With 49,700 followers on TikTok, former Agana Heights resident and digital content creator Natalie Garces posts videos on the platform to educate networks about personal finances.
“I create personal finance content that school never taught us about how to manage our finances, how to invest and save, make money beyond work, pay taxes, student loans and all types of debt, the importance of good faith. score for home ownership and how to spend wisely,” said the 24-year-old who has been a financial analyst for Puget Sound Energy for three years in the Seattle office where he analyzes and visualizes data so he can do business smarter, data-driven. jurisdiction.
“After graduation, most of us are faced with this cold thing, that we only need adulthood to manage money but none of us are educated,” said Garces, who attended Agana Arces Royal High School, Bishop Baumgartner Memorial Catholic School, Academy of Our Lady of Guam and Guam High School when he was growing up in Guam. “I firmly believe that everyone should have an understanding of finance, so I will continue to create content to help the next generation understand money and improve their personal financial journey.”
Developing a passion for finance
Growing up, Garces was never very smart in school, but lived a quiet life. On weekends, the siblings and his parents help with construction work, bringing furniture and painting to the house.
“At what time were they doing what or why,” said daughter Nympham Noel Garces. “Afterwards, I wanted to understand that they were investing in land, building houses, renting properties and adding to the income.
“My mother also liked to take us to the flea market to sell things from the Philippines,” he added. “In the end, my education and experience paid off my love of finance and business.”
Finding content in the creature’s purpose
During Garce’s undergrad days at the University of Washington Tacoma, he was on the streets deciding on a business degree; It was between finance and marketing.
“On the one hand, I loved learning to make and grow money, but on the other hand, I loved creative marketing,” said Garces, who graduated with a bachelor’s degree in business with a major in marketing and finance in 2018. obtained a master’s degree in business analytics through a one-year accelerated program at the University of Washington Tacoma in 2019.
“My passion for finance and social media marketing is what ultimately led me to become a financial creator,” said Garces, who was known as a financially-savvy friend among his team.
So many of his friends, co-workers and family ask him to invest the same questions, what is the S&P 500, what is a stock split, how to save for retirement, stock news, what is compound interest and what are the methods. to earn an increase.
One problem he had was spending a lot of time answering the same questions by different people.
“One night I was talking with one of my best friends, Naga Palepu, and he gave me the brilliant idea of being able to answer all these questions by creating a short content on TikTok,” said Garces.
She wrote all the frequently asked questions about finances, created a TikTok account and posted. He only started creating content two years ago, so he couldn’t create content in Guam.
“My ultimate goal is to be able to have the financial freedom to go back around the world and come back to Guam and be able to create content,” Garces said. “As a digital financial creator, my mission is to create short, digestible videos aimed at helping ordinary people become financially literate by providing tips, breaking down simple concepts and providing updates on relevant business news.”
Cyberbullying and trolls
One of the biggest struggles that Garces faced shortly after becoming a content creator was cyberbullying and trolling.
“I faced ageism as an Asian woman – I told the trolls I wasn’t old enough to walk to school and not talk alone about money,” Garces said. “I’m still learning to handle the hate when I receive it, but I just see that now for the thousands of people who are helping, there will always be a few negative ones.
“Perspective allowed me to overcome this challenge – I saw a video by Gary Vee explaining how the trolls behind the scenes must be so miserable that they delight in tearing other people apart,” he added. “I used to be reluctant to respond to comments, but now I don’t feed trolls; but I ignore them or simply remove them from my life by preventing them.
Garce’s advice to people looking at content is that money has little to do with the knowledge one has and that it has a lot to do with how one behaves.
“To achieve financial freedom, you need to save and invest a portion of the height of each paycheck, spending it wisely on the things you need most and things (groceries, experiences, charity, etc.) and does more. income per share driving or real investment (diversify your income, no job is safe in this economy), said Garces.
The end of the future with the blog
In the next five years, his ultimate goal is to become a full-fledged creator and potentially a financial coach.
“I would love to positively impact over 100,000 people on TikTok and grow a YouTube channel where I can collaborate with other financial creators and entrepreneurs to share more financial resources, savings and investing tips,” Garces said.