More Than Money with Jacquette Timmons: Recent Episodes

Jacquette Timmons

Financial Behaviorist, Jacquette Timmons, explores the psychology, emotions and the math of money so that you can make better, smarter choices no matter where you fall on the income or wealth spectrum. Money. Choices. Relationships.

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morethanmoney #Jacquettetimmons #survivalmode #bootstrapping

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morethanmoney #Jacquettetimmons #growth #tizzy

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morethanmoney #Jacquettetimmons #financialdecisions

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morethanmoney #jacquettetimmons #hiddenpotential

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morethanmoney #jacquettetimmons #growth

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morethanmoney #jacquettetimmons #growth

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morethanmoney #jacquettetimmons #morethanmoney

For a one-on-one session withJacquette Timmons, click here.

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morethanmoney #Jacquettetimmons #entreprenuership Juneteenth

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In this episode Jacquette discusses the relationship between time and money.

morethanmoney #Jacquettetimmons #entreprenuership #timeanxiety

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In this episode, learn the factors that impact the pricing of your business services and the message your pricing sends out to the marketplace.

morethanmoney #Jacquettetimmons #entreprenuership #pricingtrap

For a one-on-one session withJacquette Timmons, click here.

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Change is hard. But on the other side of change is usually the progress that we desire. In this episode learn what makes change so difficult and how to overcome the negative emotions associated with it.

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In this episode Jacquette is joined by Jamila White, founder of Doggie Nibbles, to discuss the journey of entrepreneurship.

To learn more about Doggie Nibbles

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In this special crossover event, Jacquette joins author and podcaster Jenny Blake. The two discuss best pricing practices and moving past the fear of asking for what you deserve.

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When the shockwaves of life shake up your your plans and your finances, all is not lost. In this episode learn the five things you can do to counter the calamity you might be facing.

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Do you have space for the things you are striving for? In this episode learn about the tough questions you need to ask yourself if you plan to remove or add space to any area of your life.

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Has the volatility of the economy shaken your business and personal finances? In this episode learn why tracking your finances will help change your perspective and answer the tough questions concerning your business and finances.

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If current economic volatility has you freaking out and losing confidence, then you may want to hear about the benefits of volatility and things you should keep in mind when it effects your life and finances.

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Jacquette discusses Black Women's Equal Pay Day and what needs to happen to eliminate the disparity that created it.

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What are your feelings on gentrification? In this episode, Jacquette examines gentrification and its close tie to wealth.

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In this episode Jacquette discusses the potential repercussions of anti capitalism and the vital role that business, particularly small businesses play in this country.

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In this episode, learn how to implement major changes in your life and get the most out of those changes. Jacquette poses three questions you must answer.

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How much are you willing to bet on yourself? In this episode learn why it's time to double down on you.

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Are all the emotions you have around money negative, rooted in fear and anxiety? If this is true, then this episode is for you! Jacquette explores the often overlooked positive emotions of money.

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Not all guilt is bad. In this episode learn three steps you can take to identify and manage your money guilt.

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Where there is boredom there is probably a lack of curiosity. And this is especially true for your money. In this episode learn why raising your level of curiosity about money will improve your finances.

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In this episode, learn the difference between distraction and avoidance. Jacquette also discusses how distractions may be costing you the success you want, both personally and professionally.

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What will it take for you to get your financial house in order? In this episode, learn about some of the changes you may need to make to reach your goals.

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What do freedom and independence look like for you? In this episode, learn why the two are not interchangeable and why you must define them for yourself.

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Seniors are increasingly becoming the target of financial abuse and fraud. In this important episode, learn how to protect the personal finances of the seniors in your life.

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Jacquette examines the past, present, and future of black wealth and what Juneteenth means to her.

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Are you worried about inflation and the pending recession? It may be time to shift your focus away from the economic doom and gloom and learn the financial moves you should be making during times of economic uncertainty. Jacquette shows you how.

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What biases are affecting Your financial decisions? In this episode, learn about three very common biases and how they may be preventing you from getting to the next level.

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In this episode, Jacquette discusses the effects of financial gaps and the importance of overcoming them.

Click here to enroll and save your spot: Pricing Masterclass

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Jacquette takes a deep dive into the what, when and why we buy what we buy and the five factors that influence our decisions.

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Just wishing for better financial outcomes in your life, is not enough. In this episode, Jacquette tackles the frustrating aspects of money that can often stunt our financial progress, if we don't confront them.

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Are you keeping up with the evolution of your business and personal finances? If not, learn how a reflective look back may be exactly what you need to catch up.

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In this episode, learn how not to become a victim of what you don’t know about your financial habits.

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What needs renewing in your life? What do you need to make your business work better? In this episode, learn the best time to pause, take stock and prepare for what's ahead.

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April is Financial Literacy Month, making it the perfect time to have those important financial conversations that you have been putting off. It is also time to have your financial questions answered. Just send Jacquette a DM on Instagram and tune in for the answer.

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Following the brutal murder of George Floyd in 2020, Corporate America scrambled to ensure they were racially "sensitive" and inclusive. Diversity, Equity and Inclusion (DEI) became a priority. Two years later, is it still a priority? Has anything changed or improved? Jacquette has a roundtable discussion with DEI experts Paula Edgar, India Jackson and Erica Courdae on the progress of DEI in 2022.

Guest contact: Paula Edgar - PGE Consulting , Erica Courdae and India Jackson - Pause on the Play

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Inspiration doesn't have to come from people you know. Jacquette shares the inspiring story of one of her inspirations...Fawn Weaver, CEO of Uncle Nearest Premium Whiskey.

If you would like to take part in the next Pricing Master Class on Thursday, June 9th at 4:00 p.m.

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When stress and fatigue set in we are no longer at our best. Unfortunately, important financial decisions still need to be made both personally and professionally. Learn the importance of identifying how you feel in order to make the best decisions possible under pressure.

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In this episode, Jacquette breaks down the signs of financial trauma and how the lingering effects of financial trauma may be holding you back.

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In this episode, Jacquette shares the success that one women's illegal business had on her community and family for generations because she did it right.

If you would like to purchase: The World According to Fannie Davis by Bridgette M. Davis.

For a one-on-one session withJacquette Timmons, click here.

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What version of you is showing up in the various settings of your life? Getting to know the other versions of yourself may shine a light on the relationship you have with your money, in business and in your career.

Go beyond the numbers with: The Financial Wheel

For a one-on-one session withJacquette Timmons, click here.

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Are expectations bad or good? Learn why high expectations are the key to getting what you deserve in money and business.

Go beyond the numbers with: The Financial Wheel

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Wondering if you have a healthy relationship with money? Look no further, in this episode Jacquette shares six traits of a healthy relationship with money.

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Money and your personal relationships, have you made the connection? Making the connection may provide insight into the health of your relationship with money.

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In this last installment on goals, Jacquette explains why it's important not to discount the small actions and small dollar amounts on the way to achieving your goals. She also discusses the role that commitment plays on your journey.

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Jacquette talks with attorney Paula Edgar about the power of having goals and the goal setting process. They also talk about the importance of sharing your goals.

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Learn more about Paula. Resources and webinar recording, click here: Password: 2022goals

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What's the cost of your non-financial goals? Jacquette discusses four common mistakes you may make with their goals that often hinder your financial plans.

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Jacquette does a deep dive into why you are more likely to achieve your goals and not your resolutions.

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What patterns of your behavior and thinking need to be disrupted to create the changes you want to see in your life? Jacquette shares four steps to help you move past old habits and thought processes to create the outcomes you desire.

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Jacquette breaks down what it's going to take to improve your finances in the new year and the new decade.

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Are you struggling to embrace your success ? In this episode learn why it's time for you to own every aspect your success and celebrate it.

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It is probably time for you to shift your focus beyond your current financial reality and toward considering all of what's possible with your money. In this episode, Jacquette invites you to revisit the Financial Wheel Exercise, or Ep.1: Living By Design to gain new insight and perhaps a new perspective on your current relationship with money for the New Year.

For a one-on-one session withJacquette Timmons, click here.

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If discussing money with your family is taboo, then you are not alone. In this episode, learn how to navigate the delicate and often uncomfortable subject of money with your family.

If you would like to take part in Jacquette's Pricing Masterclass you can register here.

For a one-on-one session withJacquette Timmons, click here.

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Navigating your finances as a first-generation wealth builder is hard. In this episode, learn the pitfalls and situations that are often unique to FGWBs and the strategies to overcome them.

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Is your money fear real or is it an illusion? In this episode, Jacquette discusses learning the source of your money fears and the steps you can take to flip your fear in your favor.

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They say you want a revolution? Jacquette spells out why it may be time for you to focus on your personal revolution to enact the changes you want to see in your life.

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Is the current shift in power from employer to employee here to stay? Join Jacquette for a deep dive into the Great Resignation and the numbers behind this phenomenon. #MorethanMoney

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Join Jacquette for a must-listen interview by Tara Newman, host of The Bold Money Revolution, in an in-depth discussion on money, business and entrepreneurship. #MorethanMoney

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In this episode Jacquette shares some exciting news and does a deep dive into pricing methods and what to do when your current method fails. #MorethanMoney #JacquetteTimmons #FinancialFreedom

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Instinct may cause you to speed up when time is running out on your goals, but you may need to do the exact opposite. In this episode, learn why slowing down can give you the strong finish you desire.

Jacquette Timmons delivers money, choices and relationships.

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Do you ever wonder how and why people make the decisions they make? If you do, then you'll enjoy this discussion on why it's important for you to make choices that are based on living your best life and not on what others may want for you.

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The professional investing world says, "Investing and emotions don't mix." In this episode, learn why your emotions could be the edge you need when it comes to investing. Jacquette also reveals other things she has learned being in the financial industry for more than 30 years.

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If you're not celebrating your accomplishments, you are missing out. In this episode, learn the benefits of celebrating your wins. #MoreThanMoney #JacquetteTimmons

Join the class: www.JacquetteTimmons.com/pricing-masterclass

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In celebration of the 100th episode of "More Than Money," Jacquette has an in-depth and insightful conversation with Karen Hunter to discuss her career, life and money.

Join the class: www.JacquetteTimmons.com/pricing-masterclass

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Have you given up your financial power and control? If you find yourself lingering in financial regret then this episode is for you. Jacquette asks the questions that will help you claim or reclaim your financial power.

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For a one-on-one session withJacquette Timmons, click here.

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Do you have trouble finishing as strong as you start? In this episode, Jacquette breaks down three strategies that may help you get to your goals stronger.

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In this episode, Jacquette takes a deep dive into the financial literacy campaign and shares how it all started, who it was intended for and why so many seem to have been left out of the movement.

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For a one-on-one session withJacquette Timmons, click here.

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Time and energy are priceless. Are you doing everything to protect yours? In this episode, learn how to organize the steps and processes of every task you set out to do in order to preserve your time and energy.

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What would you do if you suddenly received a $1 million or $10 million or $100 million? Are you ready for an unexpected windfall? In this episode, learn how to navigate, plan and keep your windfall if your financial reality is suddenly upgraded. Learn some of the tips and strategies that Jacquette shared with some of the NBA's new millionaires, during a "Rookies in Transition" workshop.

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Do you cringe at the thought of selling? Everything comes back to selling...yourself for a job, a product in business. There is a stigma around selling. And if you're anxious, you're not alone.,In this episode learn why most people fear selling and why your ability to sell has a direct impact on your success.

For a one-on-one session withJacquette Timmons, click here.

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Does the idea of managing your money make your skin crawl? In this episode learn the "why" behind your relationship with money and the role that saving and investing can play to strengthen your relationship with your money.

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What are you missing when it comes to networking and money? In this episode, Jacquette breaks down the four things people often overlook. #MorethanMoney #JacquetteTimmons

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How many people do you have in your network? Did you know that your personal network has a maximum capacity? In this episode, learn how to organize your network and learn why your network shouldn't exceed a certain number of people.

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What is your networking process? Are you good in some areas and weak in others? In this episode, you'll learn what it takes to be a great networker and why building a network is essential to your success. You can join Jacquette for more conversations like this in-person at the next Comfort Circle event.

For a one-on-one session withJacquette Timmons, click here.

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Does networking feel awkward? If you answered yes, don't worry. You're not alone. In this episode, Jacquette breaks down the good, the bad and the ugly of networking and why, like it or not, networking is foundational to your success.

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In this fun and informative episode, Jacquette joins the startup enthusiasts from the Whiskey Hue Podcast to discuss everything from crypto to money and relationships.

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Are you aware of the things that trigger you? Do you make every effort to avoid awkward conversations? Learn why your power is often in the details that we overlook when negotiating.

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In this episode Jacquette explains why being a better negotiator is about doing what comes naturally to you.

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Do you pay attention to your behavior patterns? Learning and understanding your behavior patterns are fundamental to becoming the best negotiator you can possibly be. In this episode, Jacquette encourages you to critique your patterns and ultimately improve your ability to negotiate to get what you want.

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Jacquette discusses the love hate relationship many have with negotiating and selling. And why these often overlooked life skills are needed to take your life and career to the next level.

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Did you know that all great branding is provoking? In this episode, Jacquette discusses the power and importance of your brand and message. She also talks about the work you must do to distinguish brand.

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In this episode Jacquette asks "What do you stand for?" Whether you're an employee or entrepreneur, you communicate messages about who you are with everything you do and everything you choose not to do.

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Do you realize that you're a brand? Today, whether you own a business or work in an office you are a brand and with that comes the responsibility of setting yourself apart. In this episode Jacquette discusses the importance of knowing what your brand is, knowing what your brand stands for and how to distinguish yourself in a saturated spaces.

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In this final installment of These Remarkable Women series, Jacquette shares where her love of the New York Yankees came from, the tremendous strides that woman have made in baseball and all the lessons that baseball teaches away from the field.

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In this episode the third in a tribute to remarkable women series. Jacquette shares where her love of music came from and the support she received that made her the woman she is today.

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Who has inspired you to be great? Who are your mentors? Who are the people who saw your potential before you did? In celebration of Women's History Month, Jacquette shares stories about the powerful woman that have inspired generations in life, money and business.

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Who has inspired you to be great? Who are your mentors? Who are the people who saw your potential before you did? In celebration of Women's History Month, Jacquette shares stories about the powerful woman that have inspired generations in life, money and business.

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Unfortunately, positive thinking has its limits especially when it comes to producing tangible results in your finances, business or career. in this episode learn why falling victim to unproven guru's that promote positive thinking as a way to take your career, business, and finances to the next level will only leave you still having to do the work and perhaps even behind. Because there is no shortcut to elevation in any area of your life.

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When was the last time that you evaluated, if ever, your ability to make decisions? Are some areas of decision making harder for you than others? In this episode, Jacquette discusses the decision of what to keep, tweak and let go. She also talks about how the latter may be standing in the way of your success.

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In this episode Jacquette continues to explore the parallels between investing in the stock market and managing ones business or career. Are you hitting your benchmarks? If not, you may want to explore the multiple layers of portfolio evaluation used to meet external benchmarks and how the same process might be applied to your business or career to reach your goals.

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In this episode Jacquette draws on her expertise in portfolio and wealth management to explain how the processes and strategies used to build resilient portfolios are akin to managing your business or career. She also discusses how designing your business like an investment portfolio will work to also make your business more resilient.

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Are you under the impression that if you want to start a business you have to leave your job? Learn why being prepared financially should be of the highest priority. Jacquette also explores some of the questions you should ask yourself before leaving your job to start a business.

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Todays retail investor has more access and with social platforms like Reddit, they also have more power than ever before. But do they have understanding? Do individuals that use Robinhood and similar platforms know if they are traders and investors? Jacquette breaks down why you should know the difference between the two.

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Why do so many hard working people still find themselves in a place of economic need? How flawed or how completely false is the bootstrap narrative? In this episode Jacquette asks how often do you think about your personal economic growth.

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Are you under the impression that you need to do poorly financially before you implement a reset? In this episode, Jacquette discusses why we can all use a financial reset and how that could be the very thing that takes your finances to the next level.

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What do you typically do when you reach a goal? Do you coast, do go the extra mile or do you use it as an opportunity to plan? In this episode Jacquette explains why it's important to figure out what your extra mile actually looks like so that you know exactly what it's going to require of you go.

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Are you ready to stabilize your financial situation? Have you figured out your financial weak spots and where you might be winning or losing? Then this episode is for you. Jacquette shares her three-part audit process and explains why it is vital for you stay on top of your finances...especially these days.

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What is your capacity? Have you reached your capacity but find yourself still adding to your plate? Then it's time for you to audit the areas of your life that have left you feeling overwhelmed. In this episodes, Jacquette shares how you might let yourself off the hook and make additions through subtraction for the new year.

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Are you a gardener or a carpenter? Drawing a parallel between parenting styles and the way you manage your business and finances. Jacquette explains why the same growth and balance required to be a parent is in direct correlation with everything it takes to be successful in business and personal finance.

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In part two of the Black Business Roundtable, Jacquette is joined by Tanya M. Odom, Global DEI Consultant and Coach, Erica Courdae, DEI Consultant/Coach and co-founder of Pause on the Play, Valerie Rainford, Founder & CEO of Elloree Talent Strategies and India Jackson, CEO of Flaunt Your Fire and co-founder of Pause on the Play to discuss Black presence in tech, marketing, manufacturing and social media.

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Did you know the way an election is won is similar to how you win in life? Jacquette explains how the years of work, planning and strategy that are required to win an election is the same work, planning and strategy, required for the personal and financial success that you want in life.

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Jacquette offers seven steps that will help bring you back to your place of power and confidence.

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Are you having a difficult time raising money and growing your business? If you are a person of color, you are not alone. Jacquette welcomes guests Siddiq Bello (of SocialMBE), Lauren Gall (co-founder of VaVa Virtual Assistants) and Jeffrey Jacque (founder of CeeBaK), to discuss the unique difficulties that African American business owners face, how COVID-19 has exacerbated those issues and what it will take to overcome them.

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Do you find yourself trying to fill the empty space in conversations? If you do, understand that we have all been conditioned to fill the awkward silence in conversations. But did you know there was power in that silence? In this episode Jacquette discusses the underrated and powerful use of "the pause."

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Jacquette explains why the space you often find yourself craving is so essential and why you have to take time to create it.

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Do you appreciate the what if conversations around the topic of money? In this episode Jacquette explains why abstract conversations around money often lead to a better understanding of where and why you may fall short with your financial goals as well as your life goals.

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What type of fear are you dealing with and what is it telling you?

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When you make a mistake or things don't go according to plan, how do you respond? In this episode you will learn the difference between self reflection and self criticism. And how to keep a healthy balance between the two.

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Did you know that the average black woman will lose more than a million dollars in earnings over the course of her career because of the gender and racial gap? Jacquette discusses the facts and the stats in this episode.

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Are you feeling like time is never on your side? In this episode Jacquette shares seven ways to slow down and get the things you need and want accomplish done.

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Can intentionally doing things that you're not good at move you into a space of exponential growth? The answer is yes. Jacquette discusses the growth that takes place when we are no longer in our comfort zone.

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Are the problems you face today issues that were always present.

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Are you able to ask for Help?

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Capitalism vs. Anti-capitalism is gaining traction but unfortunately many don't understand that capitalism permeates the wealth gap that exists between the races and the sexes. Jacquette breaks it all down.

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In Part 2 of the mid-year review, Jacquette breaks down some of what your mid-year review should have revealed for you. She also talks about why the most important revelation through this process should be your strengths and weakness.

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Jacquette pays tribute to Activist and Congressman, John Robert Lewis. With an examination of his speech "We Must Free Ourselves" both the original draft of the speech and the one he actually gave in 1963.

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This is part 1 of a two-part discussion on taking stock of where you are. Are you tracking the progress you've made in your business and personal finances? If you haven't, then this episode is for you. Jacquette M. Timmons explains why a mid-year review may not be fun or sexy but it is absolutely necessary if you're serious about reaching your goals.

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Jacquette discusses time and our perception time during lockdown. Do you have more time or do you have less time now. Well wether you feel

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There are 26 million reasons why you need to start a side hustle. But Jacquette gives a break down of why you shouldn't confuse a "side hustle" with a part-time job.

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COVID-19 has forced us all into recalibration mode. In this episode Jacquette shares her recalibration process And how you might also get practical and lean towards what's possible.

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Feeling like you didn't prepare well enough for this 'Rainy Day"? Jacquette explains why it's a waste of energy to beat yourself up. Instead, you should focus your energy and attention on your immediate needs.

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While we ask for things all day long, most of us fail to ask for what we really, really want. Jacquette explains why asking is so hard and why its important that we eventually get our "ask' right.

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Jacquette discusses the art and life skill of negotiation and the consequences of treating negotiations like a chore.

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Jacquette expresses her frustration with the soundbite conversations being had around politics and money.

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Jacquette explores the connection between finding your voice and the financial independence you desire.

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What does financial independence mean to you and how do you know when you actually have it?

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What does simple mean to you? When the decisions we have to make around our goals are simple, we often accomplish those goals. In this episode Jacquette walks listeners through the often complex process of getting to simple.

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Have you already fallen off the New Year resolution wagon? If you have, then this podcast is for you. Jacquette shares tips that will get you back on the path to actually achieving the goals you set for yourself.

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Jacquette talks about how . to properly plan and set goals for yourself that you will actually achieve.

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Were your money lessons Intentional on experiential? Jacquette explains the difference and why it matters heading into the New Year.

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If you don't have time for your money, you don't really value yourself. Jacquette explains why time is usually not the reason we fail to manage our finances. It comes down to making yourself a priority.

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Jacquette explains why setting and reassessing your financial boundaries especially, during the holiday season is vital to your financial success now and well into future.

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In this episode Jacquette discusses holiday gatherings and using this time of the year to capitalize on the opportunity to plan for generational wealth as a family.

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Jacquette explains the various sources of financial stress that you might encounter over the holidays and how to manage and get ahead of it.

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How do you approach a friend who has unhealthy financial behaviors? What's the best approach for managing an inheritance? Should I be sitting with a financial advisor? Jacquette answers these and other money questions.

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Jacquette explores the intersection between questions and our comfort zones and why it is important to create an environment where all questions are welcome.

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Jacquette shares the questions she wished people would ask about money. Her answers will allow you to better understand yourself and ultimately create a better relationship with money.

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"Should I pay down my debt or save?" Jacquette answers this and eight other questions she is most asked about money.

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Jacquette interviews Charlie Gilkey, Author of Start Finishing: How to Go from Idea to Done.Gilkey shares his very interesting life story and breaks down the steps to completion.

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Jacquette breaks down the relationship between confidence and finishing and how finishing is a skill that has to be cultivated. She also discusses the perils of setting your prices for your goods and services for business owners. Jacquette is doing a retreat where she will answer the question, "What should I charge for this?" Click here to sign up.

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Jaquette explores the link between not finishing and fear. And why learning to finish is a skill.

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Jacquette explores time distractions like the "Popeye Chicken Challenge" are how these distractions are more costly than they seem.

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Have you considered the economic and psychological cost of not finishing the goals you set for yourself? In this episode, Jacquette shows you how to go about finishing the goals you set for yourself and why it's so important that you do.

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In this episode Jacquette offers expert advice on how to prepare and plan for the next global or personal recession.

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Jacquette teaches and explains the process of mind mapping and the value it can bring to every area of your life.

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Are you under the impression that you need to be wealthy to have a wealth transition plan? In this episode Jacquette discusses one of the most important yet challenging aspects of Financial Planning, passing wealth onto the next generation. Learn why it's important and why most of us get it wrong.

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Are you a striver? In this episode, Jacquette explains why the process of recalibrating and clearing your plate to make room for more is so important.

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Jacquette discusses the tug-of-war that we face in trying to balance our finances between the life that we want to live today and future for which we should prepare.

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Jacquette breaks down how saving just $2.74 a day will give you a launchpad by the end of the year. And that's the first step. In this podcast, she also breaks down the misinformation around money and finances that can do a lot harm and hinder your progress financially.

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Jacquette discusses politics, money and power with her first guest, Joycelyn Taylor. Also, "What would you do with a billion dollars?"

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Pay transparency. Jacquette discusses the importances of discussing your pay with coworkers and when it's most beneficial.

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Most marriages end over disputes around money. Why? Jacquette breaks down what's not being discussed and what needs to be discussed about money when you are in a relationship.

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Jacquette examines eight decision-making styles and why it's important to figure out what type of decision maker you are for maximum results in every area of your life, especially your finances.

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The wisdom of Jacquette Timmons is powerful in this podcast as she shares some of the lessons she learned and mistakes she made while in college and after graduation. This is the advice she wishes she had when starting her life.

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What happens when money is tight? Jacquette Timmons walks you through how to navigate tough times. You may think you have a money problem, but Jacquette will tell you why it may not be about money.

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Jacquette explains why paying down debt and saving should not be an either or proposition.

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From your balance sheet to your bank statements, your journey to becoming wealthy is a process and requires a plan. How you manage your money tells a story about you.

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Jacquette explores the major historical shifts that have impacted the way we as individuals and as a society, interact with money.

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Jacquette breaks down the difference between being rich and being wealthy.

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Jacquette breaks the quickest, best ways to save. In this episode she also talks about how she became fascinated with money, particularly how people relate to money and treat money and what led her to become a "financial behaviorist."

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In this episode, Jacquette breaks down a strategy that will help you to save, invest and spend your money by design instead of by default.

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