“Every service, a lived experience”: Ani Miller on INNEGABLES Podcast

In a long interview on INNEGABLES Podcast, Ani Miller looked back on her banking career, her arrival in the United States and how every setback became a service at her company.

What we talk about

• Her rise in Venezuelan banking and the habit that helped her grow
• Why she had to leave Venezuela and how her financial cushion helped her
• Her start at Amazon and the origin of each of the company's services
• Negotiating her first office in the middle of the pandemic
• Growing through referrals, investing and staying true to herself

The full conversation

In episode 124 of INNEGABLES Podcast, host Edgar spent more than an hour talking with Ani Miller, founder of Ani Miller Services. The conversation covered her entire journey: how she discovered her passion for finance at 16, the banking career that took her from intern to vice president in Venezuela in little more than a decade, the tragedy that forced her to leave the country, the shock of starting from zero in the United States and the way each stumble as an immigrant became a service at her company. She also talked about how she negotiated her first office in the middle of the pandemic, why her business grew almost entirely through referrals, how she invests in real estate and the discipline she asks of her clients. The episode closed with a round of quick-fire questions in which Ani showed her more personal side.

At 16, a passion born inside a bank

Edgar opened the conversation with something that had caught his attention in an earlier interview: that Ani discovered her passion for finance at 16, an age when almost everyone is thinking about other things. He wanted to know what that moment was like and why it came so early.

Ani explained that she graduated from high school at 16, and that her country had a program that helped recent graduates learn a profession or trade. She joined that program in June, the month of her birthday, and just 30 days later she was interviewed at a bank. She passed all the tests and started as an intern, with the bank as her sponsor.

From the inside, she had the chance to understand the financial world not as a customer but from the internal side, and to see the impact a financial institution has on the life of a person, of a company and on its growth.

I feel that when a bank gives you a loan, it's a vote of confidence in the company's representative. If they know how to do things, they can take their business and their employees to the next level. It's like a little seed that gets planted, and from there they can do wonderful things.

For Ani, the chain is clear: the bank lends the money, the business owner invests it well, the company grows and its employees can have a better quality of life because they can be paid more.

Daughter of a business administrator and an investor father

Edgar asked what she thought her life would be like before she joined the bank. Ani said she started working very young, at 12, going along with and helping her mother in her businesses, and that she grew up watching her father rent out the properties he has always owned. She knew she would be a businesswoman, because she admired that in her mother, but she thought her path would lean more toward marketing: from a very young age she had signed contracts as the face of major brands in her country, among them Coca-Cola. However, when she joined the bank she discovered something that made her want to continue down that road.

What finally convinced her was a client's story. Ani had seen many people excited to receive their first loan, but one day a man came to the bank who had received the money a year earlier. He had invested it, his company had grown remarkably, and he came to bring the bank a small gift so they would know how much that help had meant to him.

Being inside the bank, she explained, also taught her the nature of finance. When someone has an account, they put their money in and spend it. But the bank finds people with surplus money, pays them a low rate and lends that money to those who have a deficit and need to invest with a purpose or a structured business idea. That margin is what generates the bank's profits. Seeing it that way, she said, is completely different from the view of someone who just has a bank account.

From intern to vice president, and the decision to leave

Edgar remarked that by 28 Ani was already a vice president, which could have set her up for life, and asked why she did not stay. Ani admitted that leaving that position was very painful. She joined the bank at 16 and left at 28, almost 29, when she came to the United States. In those 12 years she went from intern to advisor, executive, manager, regional manager and, finally, vice president of a business area.

She already had her house paid off, a big, beautiful house, with no debt, and her vehicles. She had worked very hard for all of it. She recalled that people think banks close at four in the afternoon, but at year-end closings she sometimes left at two in the morning, making sure every client had the money from the loans they had requested in their accounts.

Imagine a 28-year-old who manages to reach the level of vice president at a financial institution, where I had already paid off my house and didn't owe anything. I had worked very hard for everything I had built.

But a personal event changed everything, and for her family's safety she had to leave the country. She shared an anecdote that makes her laugh today: days before resigning, she had a farewell coffee with a friend who worked at another bank, near that friend's office. When she handed in her resignation, her bosses were convinced another bank had made her an offer and asked her to tell them how much she was being offered so they could beat it. Ani insisted that she was leaving the country, and her boss only believed her about 90 days later, when she was already in the United States.

What forced her to leave Venezuela

Edgar asked for context on those "security issues." Ani explained that the father of her two older children, her first husband, was murdered in Venezuela. They were already divorced, but he never changed his identity document and died still listed as married. Under Venezuelan law, in that case it is the wife who must claim the body, so his family asked for her help: if she did it, the body would be released the same day; if not, they would have to wait at least two weeks while the documents were corrected. Ani agreed without hesitation, to support them.

After that, she said, she began to feel she was being pursued by people apparently linked to his death. They tried to kidnap her and she was shot in the leg, but she managed to escape. That is when she decided to leave the country for her safety.

The financial cushion that made starting over possible

Edgar wanted to know whether she had had time to wrap up her affairs in Venezuela or whether everything happened overnight. Ani explained that she was able to leave the way she did because she had made a point of investing her whole life.

She explained that in Venezuela back then, buying vehicles worked very well: if you bought a car and kept it for a couple of months, it would later be worth double or triple. And she clarified something many people do not know about banking:

A person who works at a bank doesn't earn a high salary, no matter what position they hold. What you do have is a great many benefits, and those who work in sales or business have access to commissions that are actually good, as long as you hit your targets.

Ani always hit her targets, and for years she had been converting all the money from those commissions into dollars and investing it. That financial cushion is what allowed her to come here and support herself when she arrived.

The outlook she inherited from her parents

Edgar asked what view of the world her parents gave her. Ani described her mother, a business administrator by profession, as a very hardworking woman, with an exceptional quality of service and concerned that people came out well from anything they did with her; today she works with Ani at the office. Her father, on the other hand, was the bigger risk-taker, always on the lookout for deals, buying, fixing up and renting out houses. One brought the structure and the other the drive.

Even so, Ani wanted something different. As a child she would say she would never have a baby if she did not have a car, because she did not want to carry it around on the street but to have it sleeping in the back seat. She is grateful to her parents for doing the best they could with what they had, but she grew up hearing phrases like "that's too expensive," "we won't be able to buy that" or "do you think you're a millionaire?"

I do believe we're responsible for what we're going to live in our future and for what we want for ourselves and for our children. I always said that after me, I don't want anyone to have to worry about money.

She became financially independent very early, and whenever there was a bank holiday she would invite the family on vacation, but with one condition: no bringing home-cooked food to the beach. A vacation is a vacation, with restaurants and service. For her, the mind gets ready for scarcity if you get used to saying it cannot be done. Edgar agreed that he would rather "fool himself" by believing things can go better for him and seeing the glass half full.

The keys to moving up: the extra mile and the half-hour lunch

Edgar pointed out that some people work for years without moving up, and asked what set her apart. Ani said that in college, while studying accounting, she read a book with an idea that changed her life: everyone goes to work and everyone puts in their hours, so anyone who is not willing to give something extra cannot expect something extraordinary to happen to them.

All my life I've been willing: if I have to stay until 10, I stay until 10. I've always been willing to go that extra mile if it's needed.

She also talked about aspirations, with a line that drew laughs:

If a person wakes up and has no aspirations, I recommend they go back to bed.

When someone tells her she has to be realistic, she answers that she is: that is the reality she wants, and she will do what it takes to achieve it. She believes everyone can achieve what they want, but the first step is to believe it, because if you do not believe in yourself, no one is going to bet on you. And if today you are not where you want to be, that is fine: you are on the way.

Then she gave a concrete example. When her internship ended, the bank hired her while honoring her seniority, and her first position was customer service assistant, the person who handed out checkbooks and credit cards. She did not even know that position was measured by the time between one customer and the next, using a system timer at that Spanish-owned bank. She was the only assistant at her branch, while other branches the same size had two, and even so she cut service times to half of what the others achieved. When the report came out, no one could believe it, and people started coming to watch her work. She attributes part of the result to how fast she is on the keyboard.

Four months in, a business advisor got sick and the manager said they would have to request a replacement. Ani volunteered. The manager did not understand how she could know how to do that job, and she explained her secret:

I had a one-hour lunch break. I'd eat in 30 minutes, and for the other 30 minutes I'd sit with the person in the next position I wanted to move into, to train myself. And I'd say: when an opportunity comes up, I'll already know the job.

The manager had her serve a client to test it, could not believe what he was seeing and nominated her. That is how she became a business advisor before she had even completed six months in her first position.

Work and personal life

Edgar asked whether she had sacrificed her personal life. Ani said no. She married at 18 to her longtime boyfriend, whom she met in high school, and had her first child three years later. He also had a demanding job, so they made a very good team, aware that they were building something.

Ani has always been honest with people about her aspirations, and she makes a point of surrounding herself with people who have the same energy.

If you want to achieve something, you have to surround yourself with people who have the same mindset as you. Imagine you want to start something and you tell three people who sleep all day: they're going to tell you not to do it.

Besides, banking gave her weekends off. Every time there was a bank holiday, they took the chance to travel from Friday to Monday. They were short trips, two or three days, but about eight or ten a year.

The first week in the United States

Edgar jumped ahead: if moving house or changing jobs is already hard, what was the first week in the United States like? Ani said it was very intense and full of emotion. Although she had a lot of experience in finance, she has always believed you have to give people a vote of confidence, and she trusted a former colleague from the bank who guided her when she arrived. Over time she discovered that many of the things he recommended were wrong and cost her a great deal of money.

I don't regret it, because those things made me learn the system. And now I can tell someone: look, don't do it that way, do it this way, it happened to me.

For Ani, having lived through it gives her empathy for anyone going through the same thing. The language was another shock: she did not speak English, and although many things in Miami are in Spanish, the language of the country is English. For example, she rented a car and was charged $2,000, when she later learned she could have rented it for about $400 a month.

She also had to get used to the fact that in the United States you pay for everything, something she agrees with because things work, unlike in her country, where many things were not paid for but did not work either. She went from not paying for housing to having to pay rent, finding a place to live, figuring out how to work and how to get her legal status in order. And she went from leading 120 people to starting from zero.

Disney first, then everything else

The first thing she did when she arrived, she said with a laugh, was something many people criticized her for. She had promised her children they would go to the theme parks, and she kept her word: they spent almost two weeks in Orlando visiting Disney and Universal. She knew that afterward she would have to sit down with a lawyer to sort out her immigration status, find a school for the kids and organize everything else, but first she wanted them to have the experience of a vacation. She was able to do it thanks to her financial cushion, which also allowed them to get by until she was authorized to work. During that time, she also created her company.

The day she cried delivering packages

Her first job was with Amazon, delivering packages, and that day was, as she tells it, the real shock. She started at ten in the morning and at midnight she still had not finished. She was sent to an area where no one spoke Spanish, and she did not understand what people were telling her. She cried.

But, as with every experience, she decided to take it as a lesson and not as something bad.

If I'm arriving in the country, I have to adapt to the country. The country isn't going to adapt to me.

A coworker at Amazon who spoke English recommended an institute that was more expensive than others but very good, with groups of 10 to 15 people per teacher. She studied there for one year of grammar and another of conversation, and today she can communicate in English.

Every service, a lived experience

Edgar asked how much time passed between Amazon and the creation of Ani Miller Services, and why she chose that field. Ani explained that she created the company in 2016, when she arrived in the United States. She first tried selling products, then put that on hold and kept working with Amazon and other delivery apps. Everything changed with her first taxes.

The IRS letter

Someone who had been recommended to her prepared her return, she paid on the spot, and then she received a letter from the IRS. She got scared, as everyone does, especially because you hear so many stories. Today, when a client tells her they received a letter, she tells them to relax and send her a photo, but back then she did not understand anything it said.

She sent the scanned letter to the preparer and three days went by without a reply. While she was paying, they answered right away; now that she had a problem, no one responded. On the fourth day, the assistant told her they were busy and that she would have to resolve it herself. Ani drove an hour to the office, ready to wait until everyone else had been seen, and after almost an hour she was told they would not see her.

I went back to the car so frustrated and said: this can't be, a person who went to college, who studied accounting, who studied finance, why do I have to be going through this?

She searched online for urgent tax courses. In the middle of the season it is hard to find someone to teach, because everyone is busy preparing returns, but she found an institute with an intensive weekend course, which was more expensive and forced her to stop working for several days. She did it, because the letter had a deadline and several days had already gone by. She brought the letter to the course, they taught her how to respond, she went to the IRS in person, defended her return, explained her case and received the refund she was owed.

When she told the story to her Amazon coworkers and her family, many who had not yet filed their taxes asked her to do them. She warned them she had never prepared a single return, but they replied that she had the experience of having defended her own before the IRS. That first year she prepared about 30 returns.

I'd say: wow, these 30 people trusted me. I can't believe it.

Her own immigration process

Something similar happened with her own immigration process. She hired a lawyer for her residency and that of her two children. When she moved, she told him about the change of address, but he forgot to report it, and Ani missed the interview. She received a letter warning her that her residency would be denied because she had not appeared. She called the lawyer and, as with her taxes, no one answered or solved the problem. So she did the same thing as the first time: she studied the process thoroughly, called the immigration office herself, explained what had happened, got a new appointment and obtained her residency.

Insurance and real estate

The same thing happened with insurance. Ani referred her tax clients to other agents, and the clients kept coming back to complain that they were not being looked after. When you recommend someone, she explained, the client feels you have a moral commitment to that recommendation. That is why she decided to open her own agency, which today offers all kinds of insurance, health, life, auto and liability, licensed in all 50 states.

And the same with real estate: she prepared taxes for clients who then went to buy a house with other agents, and she heard the same complaints. That is how she added real estate services. The company that started out as just Ani, at a tiny desk in her rented apartment, kept growing because clients told her they preferred to have everything with her.

Everything is based on my experience as an immigrant in the United States.

Edgar acknowledged that he now understood the company's vision much better: Ani has been through everything she offers and, more than anyone, knows how her clients feel.

Growing without advertising, only through referrals

Edgar wanted to know how she got her first client outside her circle, how she made herself known. Her answer surprised him: Ani never did cold sales. In the entire history of Ani Miller Services, the first time the company invested in advertising and marketing was in 2025. All the growth before that was by word of mouth.

Edgar would come to do his taxes with me and refer his mom, his dad, his brothers and sisters, his girlfriend. Edgar turned into 10 more people, and those 10 people into more. It was a multiplier effect.

An office in the middle of the pandemic

The biggest leap, she said, came in the middle of the pandemic. Until August 2020 she worked from home. The country was shut down, offices were closing, people could not pay their rent and everything was done over Zoom. And Ani announced she was going to open her office. Everyone told her she was crazy.

Her reason was practical. She had started to have many clients who wanted to meet in person. In addition to taxes, she advised people on buying cars without getting scammed, something she learned after she herself was scammed with her first vehicle, and she also taught them a method for getting out of credit card debt. They met wearing masks in coffee shops all over Miami, but no one is comfortable talking about their personal finances in a coffee shop. She needed a private space.

The negotiation

In the building she liked, they showed her some small offices on the second floor, which was like a maze. Ani turned them down with an argument that came from her experience as a delivery driver: she knows how hard it is to find a confusing address, and a service needs easy, direct access. She asked whether there was anything on the first floor near the entrance. There was one, but it was outside her budget: she had said she did not want to go over $500 and that one cost $1,000 a month.

She asked to see it anyway and discovered it had been empty all year; it was already August. The secretary told her the price was firm and that the decision was up to the owner, also Venezuelan, who would arrive at two in the afternoon. Ani asked her to pass along her offer: the owner had already lost eight months, no one was going to rent in the middle of the shutdowns, and in an hour and a half she had not seen a single person walk through the building. She was offering $700, which was what she actually had. The secretary preferred that she discuss it with the owner herself.

When he arrived, he repeated that the office was worth $1,000 and that he would not go lower. Ani ran the numbers for him:

What seems strange to me is that you tell me you won't go below 1,000 and you've been losing money for eight months. You have someone who's going to rent it from you for 700. We can put in the contract that as soon as a year is up, you make whatever adjustment is appropriate.

She reminded him that she would immediately hand him the deposit plus the first month, almost $3,000, for an office that would otherwise remain empty, plus $700 every month. The owner ran out of arguments and set one condition: he would check her credit; if it was bad, there was no deal. Ani told him to go ahead and check it while she went to the bank for the money orders, because her score was close to 800. When she came back, the contract was ready. She handed him the checks and was given the keys to a completely empty office.

That office was about 250 square feet. Today the company is in an office of its own, which they bought, of about 2,200 square feet.

The before and after

Edgar asked whether that first office marked a before and after. Ani said absolutely. It gave her a business address and a place to receive her clients. She was the one who worked the most in the entire building: she opened it and closed it. She would drop her children off at school and go to work, and sometimes she brought them along and they fell asleep under the desk while she held meetings. She is deeply grateful to the owner for believing in her.

Quality of service and a growing team

Edgar asked whether by then she was already living comfortably. Ani said no, she was still struggling. She started alone, but soon understood she could not keep going that way. She comes from traditional banking, where quality of service is sacred, and that is what she instills in the women at her office:

When a client comes in, it's because they have a situation we need to find a solution for. So you can't be one more problem. That's what the client wants: a solution, not more problems, because they already have problems.

The growth demanded it: the first year she prepared 30 tax returns and the second, 200. She did not want to be like so many good businesses where the owner keeps working alone and no one answers while they are with a client. She started hiring and training people, above all in quality of service. First she hired one person; then her mother joined, and later her older and younger sisters, who were also doing deliveries and whom she encouraged to get trained and earn their licenses. Today her mother, her two sisters and other relatives work with her.

Investing instead of spending

What she did take advantage of from the start was the money coming in: she paid her obligations and invested the rest in rental properties. Today she has ten properties, all rented. She bought some of them when interest rates were very low, and they generate cash flow every month: they cover their expenses and there is money left over.

I could have taken the money and spent it on anything, because that's what most people do: I have more, I spend more. No. I keep living on what I need to live, and all this money goes over here.

Her most recent purchase had been in December. Ani is convinced that real estate is one of the great paths to wealth in the United States, and that the business is not just about buying a house to live in or rent out. An important part of it is understanding debt, which many people are afraid of. For her, debt used to invest is a tool, and combined with the tax benefits of real estate investing it is part of the advice she gives her clients. Those who only work to pay the bills, she explained, get trapped in a cycle that is very hard to break out of.

How to compete with the big players

Edgar posed a business question: someone who does not know her story and looks for advice online will find companies with more years in business and more invested in advertising. What sets her apart?

Ani explained that her advisory consultation is not free, and that this is not for lack of confidence in the result. She does it so that people understand that things in life are not handed to you: when something is free it is not valued, and someone who decides to invest in an appointment first researches who they are going to meet with. She recalled a client who drove an hour to see her on a Saturday and left smiling from ear to ear: he told her he had been in the country for 35 years and was leaving happy and at peace, because he had arrived afraid.

Although they have now started advertising, most clients still come through someone. It has happened that a client saw her on Instagram, noticed that some friends already followed her, asked them and got the best recommendations. That person no longer needs to be convinced of anything.

Ani told Edgar that she had just talked with her publicist about the importance of telling the company's story, because offering a service without having lived it is not the same.

If you don't even know what it feels like to be an immigrant in the United States, if you never had to wait for a work permit to arrive, it's very hard for you to feel that empathy when someone desperate walks in.

When people know the story, she said, they identify with it. Also, when she sits down to talk with someone, the person notices the emotion and realizes how much she loves finance.

How she knew she was on the right track

Edgar asked how she measured success, what concrete signs told her it was worth holding on to her project. Ani explained that in the tax business it is easy to see how things are going, because preparers have profiles within the IRS system where you can see the number of returns submitted. And she began receiving letters from gigantic companies devoted exclusively to taxes, with many years in the country, offering to buy her client portfolio. The most recent one had arrived just the week before. If a company that size, which can see her business's track record, wanted to buy it, she was on the right track.

She also set goals. When the business started doing better, she set out to buy at least two homes a year, and at the end of each year she confirmed she had done it. She kept expanding the office and hiring people. And when she opened the insurance agency in September, by October she already had 150 clients, whom she called personally and who told her without hesitation that they wanted to switch to her.

Finance is about relationships of trust

Edgar asked whether she felt she was building relationships of trust with her clients. Ani replied that finance is exactly that. She noted that many Latinos arrive with the mindset of looking for whoever charges the least or whoever lets them do whatever they want, and that at her office the vision is different:

Here we're going to do things the right way. We don't want consequences later. I'm not going to tell you what you want to hear, I'm going to tell you how things are.

She gave an example: clients who come in for a financial consultation and, when she reviews their statements, she sees hundreds of dollars a month in food delivery. They spend at the supermarket, do not cook and order food on top of that. Her advice is direct:

• If you are in debt and feel you only work to pay the bills, look at where your money goes month by month.
• If your financial situation does not allow it, cook at home instead of ordering delivery.
• Understand that if you do not make a sacrifice at a certain point, nothing in your life is going to change.
• Do not use high-interest credit cards for expenses like travel.
• Believe in yourself and stop sabotaging yourself.

She said, laughing, that some clients call saying they know Ani is going to scold them, as if she were their mother. She makes clear it is not a scolding: she simply cannot accept someone sabotaging their own life and their family's.

Quick-fire questions

In the final segment, Edgar asked her a series of specific questions with no right answers.

A purchase of $100 or less that changed something for her

Books, and in particular a book that teaches you how to invest.

What she enjoys watching

She loves reality shows, especially blind dating ones, because people start getting to know each other only for what they have inside and not for their looks, which, like social media, is what people see but may not be true.

Something she never wanted to be

A chef. She likes to cook, but just a little. She also said she was close to becoming a lawyer, but she was moving up so fast at the bank that she had to choose between finishing that degree or continuing her professional path in banking.

Big fish in a small pond or small fish in a big pond

A small fish in a big pond, without a doubt.

Something she is worse at than anyone

Hiding her feelings. Everyone can tell within a minute whether she is upset or happy.

The title of her life story

Something related to the path in life she wants to travel, not the one she was dealt, because she has built her own path. If she had only followed the guidelines she brought from the past, she would not be where she is. When she says she is going to do something, she does it in the time she set for herself, because she directs all her energy toward achieving it, and that is what she tells her clients: everyone can do it if they have discipline.

Her favorite failure

Losing time or money, because for her time is also money. When it happens, she reprograms herself immediately, analyzes what she did wrong and learns the process from A to Z, so that it does not happen again to her or to anyone she is guiding.

The worst advice she was ever given

"Don't start a business." When she started with taxes, she was told there were too many people in the United States doing the same thing and that it would not go well for her.

How she handles uncertainty

Every year is a new season, but she adapts very quickly and is very flexible about change. She gave artificial intelligence as an example: even though she is not going to work in marketing, she feels she has to learn it, and she even worked on an essay about the topic with her son for school. When you get trained, know where you are going and have a plan that you adjust as the world and the economy change, uncertainty goes down.

How she recharges

With music, and loud. People at the office are amazed because, with the music on, on a day during tax season she can close 25 tax returns. She turns the volume down to talk with each client and turns it back up again.

Living without lying

She believes it is possible. It hurts her deeply to be lied to; she is very loyal and trusts people until they prove otherwise, and when someone lets her down, she closes the door. She does not believe in white lies: a lie is a lie, whatever its color, and it always hurts when the truth comes out. Over the years she has learned to soften her frankness, because not everyone takes information the same way.

Her most useless talent

Making a ring out of a folded bill. Sometimes she puts it on, forgets about it, goes out and someone compliments her on the ring.

Her recurring nightmare

During tax season, dreaming that she forgot to file a client's return. It happens because she puts herself in people's shoes: sometimes a client spends two hours telling her about their life and their problems, and even though she has already solved the financial part, she goes to sleep wondering how they will solve the rest.

The last time she cried

A week earlier, watching a movie. Some of them make her emotional.

Whom she would look for first in a plaza with everyone she has ever met

Someone who supported her enormously in her banking career, who taught her a great many things and whom she admires and loves. In the almost ten years she has been in the United States she has not been able to talk with him, and she would like to know what has become of his life and whether she can help him in any way.

Something she has not done yet

Go to China, for at least ten days, to experience its culture. She had it planned when the pandemic hit, and if she cannot go this year, she already has a date set for next year.

A question she would like to know the answer to

Whether her children will fulfill their dreams: her daughter wants to be a pediatrician and her son wants to be a lawyer and take over the company. She asks God for life and health to see it, and she would like to know that the day will come when, already retired, she can be with them the way she wants.

How Ani Miller describes herself

For the last question, Edgar asked her to describe herself without using her name, her profession or her achievements.

A woman with dreams, but with determination, loving, disciplined and definitely kind.

She loves helping people, although she has learned that everything has to be done in moderation, so that no one takes advantage. What she wants most is never to stop being herself, because many people lose themselves as they move forward in life. Her lifelong friends tell her she is still the same Ani from 20 years ago, and that is exactly what she wants. If someone reacts in an unexpected way or decides to leave her life, that does not have to change her.

Her motivation, she said, is to guide other people so they find what they are passionate about and achieve something she already has and that feels wonderful: financial security, not having to worry about whether there is enough to pay the rent.

There are people with a huge amount of potential, but the first thing they have to do is believe in themselves. If we start there and have a little discipline, we can all achieve it.

She said nothing fills her heart as much as seeing someone who arrived with a dream and, two or three years later, is making it come true. She has the case of a client who came to her having never filed his taxes and who today is signing the purchase of his third property.

Edgar closed by thanking her and admitting that he was leaving the conversation with a new perspective. Ani Miller's story sums up the idea of the episode well: it is not just about surviving when you arrive in another country, but about turning every blow into knowledge and that knowledge into a way of helping others prosper.

Video: INNEGABLES Podcast channel, episode 124.

This article is an English translation of the original Spanish version. Quotes have been translated from Spanish. Leer en español.