Rebecca Hulse had ticked off her first ever bucket list by the time she was 20. Travel the world, meet the man of her dreams, dance for a living, earn enough money to be truly comfortable (and then some) - all done and dusted before her third decade on the planet. Since most people take a lifetime to do this, she's now teaching others they don't have to follow the path of starting out as a poor student or apprentice, and working their way up incrementally till they are comfortable some time in their 40s or 50s. "You can truly have it all at a young age – I earn six figures at the age of 24, get to help people every day and lead the life I've always wanted to. It's definitely possible" says Hulse.
Rebecca, a bestselling author, Access Consciousness facilitator, international event manager and Right Riches for You coach, is one of a growing generation of millennials who don't believe there are rites of passages and ways you have to do things on a personal financial and career path. "The internet has changed everything and there are opportunities available to us that weren't around even five years ago, let alone a generation back. We can start businesses with very little capital, we can work from anywhere in the world, we have far fewer limitations on what we can earn and how we can earn it, than our parents or grandparents." Hulse worked as a Life Coach and Business Consultant before she became a Right Riches for You facilitator and international event organiser. While initially she worried about how people would cope taking advice from someone so much younger than them, she soon realised she'd achieved so much in a short time and that was every reason people should listen, instead of wasting years and years taking the long way to where they want to get. "I also know I'm a real person, not just spinning a yarn. I've been through challenges and struggles, like body image in the dance industry and grief, when I lost my father at age 15. That kind of change creates growth fast, and you realise what's important in life."
Rebecca's top tips for getting the life you want, rather than believing you need to climb a corporate ladder or work for years to achieve financial security, are:
Create a disciplined work ethic for yourself - not based on what other people want you to deliver.
Understand that money follows joy - weirdly enough, your money problems don't go away with more money, they just change. Put joy first, and it's interesting how money comes to the party
Don't quit your job - look at what additional income streams you can create.
Look at what possibilities are available that will create a future for you - and yes, there are always possibilities.
Go Global - the internet means your opportunities are now as big as you can reach in the world, and the only one stopping you from doing that is you.
Rebecca Hulse is a go-getting, risk-taking millennial. She is a best-selling author, reality shaking coach, international author, speaker and Right Riches for You facilitator, a specialty program with personal development organisation, Access Consciousness. By age 20 every item on her bucket list was checked off so she began creating a new one. So far the results have been fast and fantastic. From her cosy Christchurch home in New Zealand, Rebecca Hulse reaches a global audience.
Question: Why do you think millennials receive a bad rep for being lazy and entitled?
Rebecca Hulse: Every new generation gets this, it's really nothing new. Even Socrates mentions the same thing around 400 BC: "The children now love luxury; they have bad manners, contempt for authority; they show disrespect for elders and love chatter in place of exercise. Children are now tyrants, not the servants of their households. They no longer rise when elders enter the room. They contradict their parents, chatter before company, gobble up dainties at the table, cross their legs, and tyrannize their teachers."
Question: How are you hoping to change this reputation?
Rebecca Hulse: I don't know if it's really changeable in itself. What's important is to identify yourself if your point of view is that you should be entitled and lazy, or if it's just a projection. And if it's not the case for you as an individual, then go on and life your life and do what you want to do personally - for you. Not to prove a point against anything said about you or your generation. I personally hardly ever get any crap for being a millennial (apart to tease about technology changes) because of who I am and what I have accomplished.
Question: Can you tell us about how you completed your bucket list, by 20 years old?
Rebecca Hulse: I got started. I looked at what I truly wanted to do with my life and then what I would need to do in order to get there. And I had help along the way, you don't achieve crazy dreams without letting in some help along the way. The best thing to know when striving for something is that it will never show up the way you think it will. The Access Consciousness and Right Riches for You tools are really great for letting go of any limitations in the way.
Question: What advice do you have for someone who wants to start an online business?
Rebecca Hulse: Do all the research you like and then throw it out the window. You are the one running your business and you will do it different to everyone else - that's a good thing! You will know what to choose when the situation arises. I find too many people are scared to make a choice. The ones that do choose end up creating success because they always keep moving forward.
And remember to get financial education, you can never start being set up financially for success too early and remember to not hide from the financial side.
Question: What criticism do you face as a young financial educator?
Rebecca Hulse: I'm sure I get it still but I don't pay attention to it. I'm busy creating my own financial future that works for me, not for someone else. When I first started in business, my accountant kindly joked that they'll see me in a few years, then got a pleasant surprise when I was already moving into a higher tax bracket in my first year. They then asked me to warn them next time! I did warn them, but they didn't believe me. They know now that I'm not joking.
Question: How important is additional income (on top of our job)?
Rebecca Hulse: Extremely important! Look at the people you consider financially successful, how many revenue streams do they have? I like having a minimum of 10 up my sleeve at all times personally. This way you're also not reliant on one source. You can spread your platform.
Question: What's the best thing we can start doing today for our finance?
Rebecca Hulse: Start enjoying having and educating yourself about money. It's fine to learn about the latest trends in an industry but if you are better at spending money rather than having it, once you attain it, it won't do much for you. You will have already spent it! But if you learn to be better at having money, it doesn't matter what method you are using for accumulation of wealth, it's what you do next. A trick I started with, was taking the money I didn't want to spend and buying silver, gold, and putting it in another currency of cash.
Question: How do you spend a typical day?
Rebecca Hulse: It depends where I am and if I'm traveling or not, however I just got home and am enjoying the New Zealand summer.
So I will wake up to open curtains so I can see the view, take a minute to ask myself, 'Who am I today and what grand and glorious adventure can I have?" and check my phone to see what happened overnight in the different projects I am involved with, as we work with staff all over the globe.
Once I'm up and ready, I take a coffee down to the office and am generally on meetings most of the morning.
The afternoons I enjoy creating and spending time with my mum on longevity projects, like a family property we're turning into an events centre and B&B.
In the evenings if I'm not on the balcony enjoying a glass of wine, I'm working on projects on the other side of the world. Europe wakes up around 7pm and I take that glass of vino to the office for helping Europe start its day.
Question: Do you have a morning routine?
Rebecca Hulse: I do everything in the shower! Get clean, exercise and get my mind ready for the day. I have a list of questions to ask myself daily laminated in there. It reminds me of what I desire to create so my day is what I choose and not at the effect of others.
Question: What's next, for you?
Rebecca Hulse: I'm starting to tour my next classes called The Next Generation of Wealth - first off at home in Christchurch and next stop is Delhi. I hope to be back in Australia by September.
Interview by Brooke Hunter