The Diva Of Investing

this started. Welcome to another episode of the Market Disruptors podcast, and I am super excited to announce our guest today, Keanya Danielle, and she is from Investing Divas as well as she's written the new book Cryptocurrency Investing for Dummy. She's been all over the news promoting this and we have her here live. We're gonna ask her all the questions. She has amazing and fascinating background, having lived in three different countries, and she really brings a whole new perspective

to bit quinn, the blockchain and investing into it. And you've gotta stay tuned because she's gonna give us our biggest tips for investing in the space. So I'm super excited. Let's go ahead and jump right into it. All right, Welcome everybody to the Market Disruptors Podcast. Today we are joined with Keyana Danielle, who is an amazing, fascinating guest.

She has a she has a kind of a long way around that she got into the investing space into Wall Street, and uh, I'm super happy to have her today. We're gonna learn a lot, so welcome, Thank you for having me. All Right, So, for everybody who isn't familiar you, uh, you're kind of all over the news lately. You have a book that you've recently come out with, Cryptocurrency Investing for Dummies, and I've seen mooting that all over the place.

We'll talk about that. Yeah, there we go, Cryptocurrency Investing for Dummies. And then you also have the invest diva brand um where you also teach a lot about investing into all different types of markets and so forth. Um, so I want to talk about both of those. But tell us for everybody listening who doesn't know about the book and investing, but tell us about who you are and how you got to where you are right now. Oh, that's a very very long story. Let's make sure i'm not.

Let let's start with actually where I started, because I think that is. Let's start with you were in Japan going to school, right, and that's what we heard as far. So um, yeah, I wasn't even born in the US. I went to Japan to study electrical engineering because nothing to do with investing. I was born in Iran, okay, so um. I got a scholarge to go study there, and I wasn't planning to stay there for long actually, but I kind of went there. The first six months

was awesome, like, oh my god, was so cool. So I decided to stay and study for six years. Um. But I was always the only girl in my class and it was cool. At the beginning. I thought I'm gonna get hit on a lot, but I didn't. It was like geeky Japanese guys, engineers, you know what he was. Even anyways, it was kind of tough really to study engineering in Japanese, and I was constantly looking for a way out of it. And then two thousand eight market

crash happened. I had no idea about the markets, what financial prices mean, who Lemon brothers are like. I had literally zero understanding of the financial markets. But all I could hear was that the US dollar is dropping, and I'm like, okay, I'm in Japan. I have Japanese yen, and the US dollar is dropping. My family's in the US, maybe I should buy the U. S dollar at the cheaper price. So I was like, oh, this is gold, so maybe I should do that. And I bought a

tiny bit of U. S. Dollar. I converted a little bit of it. At the beginning, it was like, uh, July two thousand eight. And then the next day I went to the A T machine the dollar was even lower, Like, oh my god, I shouldn't have like exchange es today, today's even lower. And every day I went to the ATM machine it was even going low and lawn and lawer. I was like, what how can I automate this? Like I want to like buy you so at the bottom,

Like what do I do? And Adam Nor like one of my friends, are like hey, like it can trade for us and even like use levelage and that of them like what are you talking about? Like just trust him? So he basically create a forest account for me. Uh. We shorted dollar dollar yen and we had like this profit taking limit order of the fourteen time leverage. I had no idea what happened, but within a month I made sellars and like, oh my god, this is so cool.

And so that's so that's how I was like, Okay, I want to really get into this and that at that point, that was your first Uh you're an engineer, you're in Japan, your that was your first step into investing. But you had somebody there, I guess mentoring you. It sounds like, so this was just a friend to help

me out. But that was enough for me to kind of trigger the interest and investing, and I'm like, okay, maybe I should like invest I started learning about it, but it was so tough that I was like, maybe I shouldn't do myself. Maybe I should get a money manager to do it for this first. This person that helped you and knew about the forex market to knew about leverage. They knew enough to point you in the right direction, but not really enough to help you. That

was just a friend helping me. Yeah, he doesn't, he doesn't. He didn't want to like teach me how to like we just talked about it. Once you set up an account and that was it. They just pointed you in the right direction and you I still didn't know what's happening, and I still didn't know exactly how I made the ten dollar. I was like, oh, but this is cool, but it was kind of complicated that I was like, maybe I should just hire a money money manager to do this for me. And that's what I did, and

I hired somebody I don't know. This was called Frends Providence from the UK in Japan, I don't know. Anyways, the guy completely scamped me, ran away with my money, and that was enough for me. I was like, Okay, the student be that hard, I probably can't learn it. So I just quit everything in Japan. I was like, I'm going to Wall Street. So I came to the U S I started working on I got a job on Wall Stroom within two weeks of my arrival, and that's how I really started learning about how this whole

thing works. That is like ten years ago. So was that a job on Wall Street? Yep? Wow? And actually multiple so this one and that was. This one was at a broker actually that was also doing shady stuff, and I was like, ah, this is interesting. I was learning all about the back things like this, you know, really horrible things that we were doing. Back broker doesn't exist anymore. Um, But so then that is how I decided to I learned about what's happening. And how to invest.

But I also learned how many people are losing money because of the shady things that are going down. So that's how I kind of became passionate about educating people who were like me who wanted to invest it in where to start and had started and we're losing money. Because that is how I realized the first time I met money in Florence, I really got lucky. It was like pure luck that I made money. Um, but I didn't want like other people to make mistakes and like

just depending on luck. So that's how I started Investida, but the mission to really educate people about investing. So I started with four X and I expanded to stop market and options futures, and then of course I was kind of delayed to krypto, but uh two thousand and sixteen, that is when I got into crypto and I got really that was super exciting for me. So that's how I just, you know, I went down the rabbit hole and uh yeah, but the rest is history, I guess. Yeah.

I love this story because I love how you you left Iran, your country where you live, to go to Japan. I got another whole another country, and then uh you know, you saw some opportunity, you took it, someone pointed in the right direction, but then you had enough drive to say, well, I'm gonna get up and I'm gonna leave and I'm gonna go somewhere else. And so you've really been pushing that.

So I love that. Um, it's easy for people to have these excuses as to why they can't do things or all these reasons that hold them back, but you don't. You don't seem to have those. Uh, that's the thing. I think. Once you do it once, so fret I'm going to Japan with a big deal. I went there and I survived. So now because you have this experience on your backpack, then the next time you're starting over,

I think it kind of gives you an edge. It becomes easier every time you want to start over your or reinvent yourself, it becomes easier than the first time. The very first time is always the hardest time. But after that, it's just you know, Okay, I get it before, and I can do it now. I have more experience, right and even if I fail? Would you say that also applies to investing. So you started with four x and now once I'm in four X and it's easy for me to jump into because I mean not supports.

I actually realized after a while that it is not suitable for my personality because I'm a little bit more risk averse. I don't like to take as much risk as if day trader really requires to have UM. So that's how I expanded to stocks, and look like if I learned four x, obviously learned stocks. Then when it comes to crypto. I was actually originally as a skeptic a bitcoint in two thousand and eleven, one of my friends told me to buy a bitcoin and I was like, nah,

that's that's too risky. And then in two thousands sixteen, a company UK asked me to do research analysis for blocking, Like I have no idea about it. They're like, just do it. So I did it and yeah, like because again, so it was like maybe I can learn about it. I learned about it. I was my mind was blown away. I'm like, this is so cool. I got to get into this, and that's how I just really yeah, so I'm realistive. I'm really new to crypto on blockchain, but

I'm probably every every everybody. Everybody's new everything I know the goal was worth like ten years. So so when did you when did you make the shift to start the education piece to help people out? When did you start to investiva? I guess so that was that was a long time. That was twenty twelve. Okay, So it started with for X probably should book on foreign exchange. So that's here you can see it. There you go and there I feel that that's the second edge, that's

the first edition over that. And then started to make this shift to stocks around twenty fifteen and I became a certif financial planner all this stuff that I really started focusing on risk management, start uh ask good things and expanded the education that I was offering to risk management and had to become your own financial planner just because I was burned by that money manager. So it's like, you should become your own money manager. Why hire somebody else? Um?

And And I mean, even if you're like following a guru who's giving you strategies, it's always important to understand your own risk tolerance so that you can apply those strategies to your own portfolio, right, because I think everybody is kind of different, Like you can't so you have low medium and I know you guys with the strategy that you offer also have like all these different kind of ye and that's perfect. Yeah, let's talk about that

risk management all right. So getting into risk management for a little bit, which is super important. I mean, when you lose your money out of the game, right, so you have to stay in it. What do you what what would be a couple of tips that you could give somebody for practicing good risk management. So the first thing is actually really annoying your restolerance, and that is that has two components. It's your willingness to risk and

your ability to risk. A lot of people when we talk about restonans, I'm like, okay, well i am, I'm a rist take care. I'm like, okay, you might be a ristacre, but look at your perfect like, look at your assets. Can you actually take the risk ourant not? And it sounds kind of in twitive like everybody should

know about. But when it comes to investing, because a lot of people are getting into it to get rich quick, they kind of forget about it and they think, Okay, if I have high enough for stonans, you've got to take ressume make a lot of money. So the spontra has been going around the internet for a while. And yes, while you should take risk if you want to make money, but you shouldn't take more risk and you can afford. And that is when you have to really sit down.

Count Like, your restolerance is like a very simple questioner that you have to go through. And I mean you can go to a financial plan, but you can also do it yourself. Um, it's a bunch of stuff. You put in your assets, putting your liabilities, whatever you have, your financial goals, your age, your family situation, all these things that is unique to you to create a restolerance

that is really unique to you. On that way, you can go ahead and pick and choose the strategies that are suitable to your time frame, to your restolerance, and you know, just sit on it because um, if if you don't know your instolerance, you're basically gambling and it could really hurt you in the in the long one. Yeah, I see, you know, especially with the cryptocurrency boom, like you've had a lot of people jumping in to get

rich quick. And I've seen so many people through two saying that they're wrecked, right that that kind of phrase r e K T wreck who was coming out and I was thinking to myself, like, nobody should ever get wrecked, Like maybe you lose a little bit of money, but

why is anybody getting wrecked? And I think it's just because they didn't understand, um how to, how to how to manage that, And really, I think it all comes down to just asset allocation, right yeah, yeah, because like right now, let's say, like my stock portfolio, I am deepling the right at the moment, I took profit partial profit of the peak, but I'm holding the rest of the long term. But you know what, I don't care because this is the money I can afford to lose,

and it's in the right on buying more. I have the I have the ability to buy more the lower crisis, and everybody should be the same, Like you should You should not be panicking. You should not put yourself in the position that you panic when the markets go down. If you're panicking, that means that you're not using the money you can afford to lose, and that you should you should invest in something else, and maybe you should invest smaller and grow gradually. Um, so you should really

should understand the basics of your situation before jumping in. Yeah, that's one of the worst things that you can run into where you panic. Right. And so when you have too much invested or too much of your allocation in one position, it makes you makes you do things you shouldn't be doing. So if I had put just a small rational amount, then I can make rational decisions. Um. You know, if you've put five dollars into a cryptocurrency position and it drops to three dollars, it's not going

to be that big of a deal. Uh, you know versus if it's a million dollars um, and and it caused you to do things that you shouldn't be doing. So it's it's interesting and something how do you recommend is risk management? Now? Um, I find something else interesting again, Like, so you've moved from Iran to Japan to the US. She said, it's not that hard when you do it. Um, when you first started looking at cryptocurrencies, Um, something really

caught your eye. When you first started looking at the cryptocurrency, you look at the blockchain, you look at technology, and I guess as an engineer, that kind of caught your eye. Yeah, so the blockchain technology, that's technology behind it, to me sounds revolutionary and I do believe that it's obviously goes beyond cryptocurrency and everything is probably gonna moving onto blockchain eventually. So that was the first thing. And then as I

dug deeper into cryptocurrency aspect of it. So this is what really hunted me. So you know I'm from me one, right, And uh so my dad before that, you want a revolution.

I don't know if your audience remember what having nine there was this massive revolution new On where the show collapsed and the new regime, the Mulas came over and now everyone is this enemy of the U S. Right, So before this revolution, my dad was this incredibly successful CEO of a construction company, was building tellypads and airports and this and that. He used to work directly with the Shaw and uh well we were like one of

the fortunate people in here on basically. And when the revolution happened, the new regime to cover my company's dad and my company, my dad's company to cover all of his assets, everything that he owned, and froze his bank account.

And I couldn't help but think that if my dad had his assets in crypto, the government would not be able would not have been able to freezer freeze's account, and I wouldn't grow up in poverty basically on because that's when my dad fell into you fell all the way down to zero below zero, and the government wanted to execute him all these kind of stuff. But so

crypto cracy literally would have solved our problem. Like if our even half of our assets we're in crypto, a government like you want would not have been able to have its hands on it. So that is something to me that I think in the US it's hard to relate to because no matter what your position is with the U. S Government, you still have some sort of trust that the government is not going to free your

account tomorrow. You might have political opinions, but you still have that trust somewhat right, So um, and people who don't, then they should consider critic currency because that literally is what it does. It takes the third party government out of the equation. Yeah, that's interesting. I hear that all the time from people inside the US, and they they're

not afraid of those types of things happening. But I say, this is global and this thing, this type of thing does happen all the time in other countries, and so having somebody like you from a from an area that has been effective. From that, it's an amazing viewpoint to have. And um, you know, it's like insurance. You hope you don't need it, but when you do need it, you're

glad that you have it. And so um. What's interesting though, is is I am from the United States and that was the exact thing that got me interested in bitcoin as well. So I had heard about it for a long time. In two thousand and fifteen, I was looking at saying that it was after the financial crash, and I was looking at trying to get like some offshore corporations set up for offshore banking. So I figured, why have all my money in one country, why not at

least put some in Singapore, some in Panama, etcetera. And then I learned about bitcoin, and I'm like, that's exactly the same thing, and so I did that, and then of course as I learned more, But it was really that that sovereignty, that sovereign banking, like you said, and really, I think that's what the whole revolution is about. It's the ability to hold our wealth, our value and transfer

it without having somebody interfere exactly. Yeah, So that was the biggest thing for me and I can see in countries I mean obviously beyond the US, but I mean you would think that, I don't know, Japan is stable or still in the stable, but history shows that over and over again, none of these companies are going to be in power for a extended period of time. So I think the biggest bet, the best that you can take, is to if you want, if you're considering your family's future,

for generations to come, crypto is a way to go. Now, let's get back into invest eva a little bit in your in your book, so well, maybe let's talk about the book. So the Cryptocurrency Investing for Dummies. Um, I'm guessing that's available anywhere. It's easy to pick up there you have a copy of it, but if you can get it anywhere, you can get it on Amazon, Bars

and Noble. He can pay for it. But because I'm actually really passionate about educating people, and I think for crypto to become mainstream, people have to trust in the whole system, and the trust is only going to appear based on education. And in the book, I really have put my part and soul into it to make everything

Christoper clear. It says Difference Investing Program is, but I talk about blockchain mining, other kinds of investing, diversification or management, literally everything you need to know in order to get into it. And because I'm so passionate about it, and because I'm not gonna make that much money out of selling books anyway, I'm giving the book for free on my website. I mean, gotta you gotta pay the shipping fee, but still it is gonna be much cheaper than buying

it on Amazon. So um to go to investor dot com, you're gonna be able to get the book for free. So I'm and I definitely commended. Uh people read it, They've been impressed, and the book actually has been able to change the minds of some of the people who are naysayers. So I'm kind of proud of that. Yeah, awesome, good job. Yeah, So ahead and make sure we put a link to the in the show notes for for

a copy of that book. Now, as a as an as an educator, and you'd educate in forex and stocks and cryptos and everything, so you're not just like pushing cryptocurrency, but really you're trying to push this education of investing, which I love and I want to get behind because I believe that investing is really the only way to get ahead. Right, we have to live on less than we earn, so we can save and invest. Now, what would you give as advice to somebody for investing broadly? Um? Again,

this goes through risk manage that your installerans. Um. Uh. So, I'm a big fan of the adversification in general, and I've been following the markets, and I don't follow each markets. For example, I don't personally invest in futures or options, like I try to keep it to what I know, but I still diversify it a little bit. And I think you start, like if your restolerance is high meeting the law, you start with with whatever your comfort zone

is at, and you go up the ladder. To me, for example, stock is the lowest part of risk taking. Cryptocurrency is kind of the same level as stops from me at this point and forks his way up here. So, um, wait, no matter what, when you're getting started, first again, go find not re restolerance, and then start with the money

you can burn in the backyard. And third, start diversifying with relative relevant to your restolerance and keep on adding to it, and like put a little bit of your savings every month automatically going to your worker's account of or exchange and and started accumulating. Because I love that um uh analysis that you put out on Twitter the other day that if you bought bits going every single asns of bubble, it would you would still be in

the pilot. Like that is literally what you should do, all okay, a little bit of money, invest in money every month that you can afford to lose, and then spread it and diversify it. And even within crypt the currencies, you can be diversified. Within crypt the currency categories, you can diversify it with the other financial asses in their diverses. So there's so many different ways to do it, and you can just do it gradually. It's not a which

could get rich quick scheme. It's it's patience and it's knowledge. I think that that will get you to where you want to be. Yeah, one piece that you didn't say, but we picked up from your story, I think is that also take it into your own control, right, It's it's important, it's about it's your money. And like you, you know you have some kind of point you in the right direction. You realize you got a little bit lucky, but then you really went out on your own to

figure this thing out, even moving to New York. And so for anybody else who's like paying attention listening right now, um, really, you know, get in, like she's saying, make these commitments and look at your risk, but like, really think about what you're doing, really try to learn, really try to add to your knowledge, right. I think that's a that's a really big yeah. That is a very good point.

And I actually do want to stress that because I mean, they are financial planners, money managers out there who may or may not be you know, for your sake, majority of times that are in it for the sake of their own commission fees, and they might point you to something that may not be really suitable to your portfolio, but it's good for them in terms of commissions that are going to earn and their partnerships with whatever company

that they are pushing. So it is very very important, in my opinion, that you take things in your hands. It's not rocket science, really, and with just a little bit of education, you're gonna get there, and you're gonna be the master of your own wealth and you're gonna be able to keep up with it and you're not gonna pay a commission fees of people that don't don't deserve right, Yeah, good stuff, all right? Good? Well? Um, where can people keep up with you to learn more? Um?

You can follow me across social media. I got Twitter at Kenana Daniel, invested at and at Investiva at Kena Daniel is a little bit more personal. I got Instagram or share photos of my daughter, and I've got Facebook. But more more importantly, I actually do have a YouTube channel that we're starting and launching in you YouTube series to educate people about blockshin and cryptocurrency industry. It is called Diva on the Block, but it is again the

handle name is Investiva. So definitely check it out and hopefully I can have you on the series as well, because you're somebody that who's really dedicated to the to the industry, and I think my audience could also benefit from having you and hearing your opinion. Yeah, I like that name. That's a good name on the block. Cool, all right. We'll make sure to put notes are links in the show notes for At and Kano. We appreciate you taking the time and thank you so much for

having me. This is so much fun. Hey, if you like this episode of the Market Disruptors Podcast. Please help us take this to the top of the podcast charts. Just please do me a favor and rate, review and subscribe. Taking fifteen seconds to just leave a quick review goes a long way and helping us reach more people and disrupt more markets. I really appreciate you listening and I'll see you next time on the Market Disruptors Podcast.