In this episode, my husband Craig and I discuss the various fees associated with buying a home. As a Certified Financial Planner and money coach, I provide insights on the financial aspects, while Craig, a local real estate agent, shares his expertise on the home buying process. We cover fees such as the option period, earnest money deposit, appraisal fees, lender fees, title insurance premiums, and property taxes. We also discuss negotiating strategies and the impact of interest rates on mortgage payments. Tune in to learn more about the costs involved in buying a home and how to navigate the process effectively.

Key Highlights
00:00:03: Intro
00:01:33: Option Period and its cost.
00:02:30: Earnest money deposit and its purpose.
00:03:03: Home inspection and potential costs.
00:03:33: Appraisal, cost and its significance.
00:03:49: Lender fees, including origination fees and application fees.
00:04:19: Title insurance premiums and their purpose.
00:05:32: Cost of title fees and average cost of homeowner's insurance.
00:06:13: PMI: Private mortgage insurance for those who don't put 20% down.
00:08:23: Survey fees and their negotiability.
00:08:25: Recording fees for public record.
00:08:46: Property taxes and their impact on mortgage payments.
00:11:18: Interest rates and their impact on the housing market.
00:13:30: Negotiating fees with lenders and realtors.
00:15:10: Financing options for the various fees.

Notable Quotes
"There's a lot more to buying a home than just the price listed on Zillow."
"The option period is a prime time for you to do your homework and research to ensure you're making a good deal."
"The earnest money deposit shows the seller that you're serious about the deal and not just a random investor."
"Get a home inspection to uncover any potential issues like foundation or roof problems."
"Title insurance ensures a clean history and covers any uncovered issues in the future."
"Negotiate with lenders for fees and credits to reduce your closing costs."
"Interest rates may be high now, but it's still a good time to invest before prices skyrocket when rat

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In today’s episode, you’ll learn how to break the credit card debt cycle. I've been there myself, spending most of my 20s and early 30s in credit card debt. But now, I want to teach you how to break free from this cycle for good. If you're tired of running a balance on your credit cards and not making the progress you want, this episode is for you. I'll walk you through the mindset issues that keep you stuck in credit card debt and give you a step-by-step process to break the cycle and use credit cards in a way that actually improves your financial situation. Let's get started on your journey to financial freedom.

Key Highlights

[00:00:00] Introduction to debt cycle and personal experience with credit card debt

[00:01:50] Mindset issues that keep people stuck in credit card debt

[00:02:04] Believing that you don't make enough money to support the life you want to live

[00:03:29] Thinking that you'll worry about paying off debt later

[00:04:38] Believing that living within your means will make your life miserable

[ 00:06:45] Step-by-step process to break the debt cycle and get out of credit card debt

[00:06:45] Stop using credit cards completely

[00:08:44] Make minimum payments on your credit card until you have $1,000 to $5,000 in an emergency fund

[00:10:12] Create a sustainable debt payoff plan by allocating money for bills and monthly spending, and focusing on paying off the highest interest card first

[00:12:51] Get creative and find ways to make additional debt payments, such as selling unused items or adding extra income streams

Notable Quotes

You get to decide what is enough for your lifestyle and adjust accordingly. So this thinking that you're not making enough is just simply keeping you on the overspending cycle.
The moment the money is in there, your brain just goes to, how should I spend this? And what should I buy? Because you're not used to actually having money. I want you to learn how to have money in your bank account.
Start looking at some of the benefits that you will truly experience in your life when you learn how to get your debt paid off and begin to live within your means.
There are so many additional benefits to debt payoff that extends so much further than just a zero credit card balance. It is actually learning how to be the person that you want to be with money, how to make more money and how to use money more intentionally for your life.
The outcome of [continuously carrying credit card debt] is so much more negative than just learning how to create a life that you live within your means
Your stress will go down. Your quality of living will go up. You'll begin to trust yourself more.

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Join me and Christina as we continue our discussion on preparing for maternity leave and the journey of motherhood. In this episode, we focus on the experience of maternity leave itself, including the shift in mindset and the importance of embracing the time with your baby. We also delve into the financial aspects of having a baby, such as the recurring expenses that come with it. From diapers to formula, we provide insights on how to budget and plan for these additional costs. Additionally, we explore the impact of screen time during maternity leave and share strategies for reducing it. Finally, we discuss the transition back to work and the importance of finding a supportive work environment that values and understands the needs of working mothers. Don't miss out on this insightful conversation filled with practical tips and personal experiences.

Key Highlights

How did Christina feel during maternity leave? (00:01:10)

When did Christina start thinking about work again? (00:02:25)

How did Christina feel about going back to work? (00:03:45)

Did Christina experience a shift in the way she was treated after returning to work? (00:05:10)

What were some new expenses Christina had to start paying for during maternity leave? (00:05:58)

How did Christina manage her screen time during maternity leave? (00:08:28)

How did Christina navigate the transition back to work? (00:13:42)

How did Christina manage the cost of daycare? (00:20:33)

When did Christina start saving for her child's future? (00:24:04)

Notable Quotes

"I felt such warmth coming back to work. People welcomed me back and it was a delightful surprise."
"I had an advocate who saw my value and helped me transition out of a team that wasn't a good fit."
On the other side of boredom is creativity.
"We're building the foundation now so that we can have flexibility later in life."
"The earlier you start these accounts, the more time your money has to grow and benefit your child later in life."
"I want to have a happy child who has things to do and play with."
Step back and view your life more objectively and more holistically. I think you can really identify that and give yourself some grace.
"If you're going to buy stuff now, you have to match it with a contribution to their college fund."
"Don't take away the joy of buying things for your child from the grandparents, but consider redirecting some of that spending towards their future."
Finding connections, looking at nature, finding patterns, those types of things is how I was trying to spend my time more than looking at my phone.

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In this episode, I am joined by my friend Christina Wanta to discuss how to financially and mentally prepare for maternity leave and having a baby. We share our different experiences as a corporate employee and an entrepreneur. Part one focuses on pre-maternity leave preparations, including dealing with loss of income, insurance benefits, and saving for baby-related expenses. Part two will cover time off during maternity leave, returning to work, and daycare options.

Key Highlights

[00:00:00] - Introduction to the episode and topic of preparing for maternity leave and having a baby.

[00:00:21] - Introducing guest Christina Wanta and discussing their different perspectives as a corporate employee and an entrepreneur.

[00:00:49] - Part one of the episode: discussing preparations before maternity leave, including loss of income, insurance benefits, and saving for the baby.

[00:01:31] - Preview of part two of the series, which will cover time off during maternity leave, returning to work, and daycare options.

[00:01:32] - Welcoming Christina Wanta to the podcast.

[00:01:43] - Christina sharing her experience and financial fears when she first found out she was pregnant.

[00:04:05] - Discussing the process of informing the employer about the pregnancy and understanding maternity leave benefits through HR.

[00:14:20] - Discussing the expenses of preparing for a baby, including strollers, cribs, and the SNU rental.

[00:20:53] - Sharing the surprise of receiving hand-me-downs and spending less money than expected on baby items.

[00:25:34] - Discussing financial preparation before maternity leave, including creating a baby savings account and budgeting for expenses.

Notable Quotes

"I did not want to work during maternity leave. I want to be able to give my time and energy and love exclusively to this baby while he's so young."
"Identity plays such a big role in this whole journey, your professional identity, but also your identity as a woman becoming a mother who's also a spouse."
"I had so many friends reaching out, offering to share their baby items. I felt so loved and cared for through that process."
"Invest in a great stroller and car seat, something you can use for years. Your community can chip in to support this special item."
"You don't have to spend a fortune on baby items. Look for deals on used baby gear, like the SNOO, to save money."

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This episode concludes the "How Does She Afford That" series where I interviewed creative entrepreneurs who have found nontraditional paths to financial success. It is the final installment of the series for 2023, but there’s the possibility of revisiting it in the future. Tune in as I interview Meg Nordman, author of "Have Yourself a Minimalist Christmas" and host of the Journey to Freedom podcast. Meg shares her incredible journey from being a self-identified shopaholic to achieving financial independence and retiring early in just six years. You will learn how Meg and her husband paid off their debts, invested in rental properties, and made smart financial decisions to reach their financial goals. We also discuss the power of minimalism and sustainability in their financial journey. Discover how you can build wealth and find financial freedom by changing your mindset and embracing a minimalist lifestyle!

Key Highlights

[00:04:05] Introducing Meg Nordman

[00:10:53] Meg's shift in mindset towards minimalism and how it helped her save money and prioritize her time with her children.

[00:19:19] Husband's income as a mechanic and their lifestyle costs during the saving phase.

[00:27:09] Cash flow from vacation rentals and how it allowed her husband to retire from his job.

[00:30:12] Meg's experience living in Costa Rica and the challenges.

[00:36:31] Current savings goals and plans for future investments in real estate.

[00:40:53] How to connect with Meg

Notable Quotes

"The best day to invest was yesterday."
"The definition of luxury definitely changed."
"What is enough? Pondering enoughness."
"Skill stacking: continually adding to the toolkit."
"You can learn anything in this amazing information age."
"I can do anything."
"Opt out of cultural norms and still have a joyful holiday."
"Follow your own path and live off the income from rental properties."
"Find opportunities through networking and word of mouth."
"Create a life that prioritizes time freedom and intentional living."

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In this episode of the Creative Wealth Building Series, mindset coach and co-founder of Happy Karma Homes, Anna K. Morris, shares her inspiring journey of leaving corporate jobs and embarking on a three-year global sabbatical. Anna and her husband Derek eventually returned to Austin, Texas, where they pursued their passion for real estate and started their own design-build company. They secured their first investment property with no personal funds and acquired their next property with just $10 and a bag of tacos. Anna's story is a testament to the power of following your gut and intuition in making business, financial, and life decisions. Tune in to hear the magical twists and turns of Anna's journey.

Key Highlights

[00:01:13] Leaving corporate jobs for entrepreneurship.

[00:05:30] Knowing oneself and taking action.

[00:09:50] Money conversations and perceptions.

[00:11:25] The financials of your life.

[00:14:07] The least amount of investment for the highest return.

[00:19:12] Starting a family in Mexico.

[00:23:17] People's belief in us.

[00:25:43] Overwhelming options in real estate.

[00:28:22] The power of journaling.

[00:33:46] Living a more aligned life.

[00:35:38] Asking new questions about life.

Notable Quotes

"When you're in alignment, magic happens."
"We just went to college. This is our education in real estate."
"There's nothing to wait for. What are you waiting for?"
"We have absolutely no idea how long we're here for."
"There's no better time than today to start living your most aligned life."
"Put your personal preferences aside and focus on what will make your partner's life better."
"Don't let fear hold you back from pursuing something bigger and more aligned."
"Take action and trust yourself. You have the power to make your dreams a reality."

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Hey everyone, in this episode, I had the pleasure of interviewing Amanda Horvath, a successful YouTuber who went from running a video production business to making six figures in passive income through her YouTube channel. Amanda shares her journey of transitioning from trading time for money to building an audience and creating her own content. She talks about the importance of lifestyle design and following your intuition in order to create a life of freedom and flexibility. Amanda also discusses the different income streams she has developed through her YouTube channel, including affiliate marketing and online courses. If you're looking to build a successful YouTube channel and make passive income, you don't want to miss this episode!

Key Highlights

[00:01:45] Choosing lifestyle over trading time.

[00:03:40] Taking on high-paying clients.

[00:07:11] Starting an online course.

[00:11:01] Passive income on YouTube.

[00:16:52] Passive income and affiliate revenue.

[00:19:26] Transition and Financial Implications.

[00:24:26] Personal finances during income dip.

[00:26:48] The power of YouTube.

[00:31:42] Taking Risks for Success.

[00:33:13] Passive income online.

Notable Quotes

Short-term loss for long-term gain
Life is short. If I continue doing what I'm doing right now, I could potentially never get over to the other side of the quadrant where the 1% lives, where they have time and they have money.
Don't learn via trial and error if you don't have very long of a runway.
Every single source of passive income starts off as an active income stream.
You have to be willing to risk it in order to make it happen.
The goal of my life is not to have a successful business. The goal of my life is to have a stress-free life that I enjoy living the way that I want to live.

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In today's episode, I'm interviewing Faith Mariah, who is a real estate investor, a multi six-figure business owner and a digital nomad. In this episode, I'm going to pull back the curtain on how Faith went from living in a tent for most of her twenties to now living a freedom lifestyle that most people desire. You're going to hear Faith's incredibly inspiring story, as well as the actual financials of how she made this work and most importantly, the mindset that had her create the life of her dreams. This is not an episode that you want to miss, make sure and listen to the end!

Key Highlights
[00:01:31] Living a freedom lifestyle.
[00:04:33] Overcoming homelessness and financial success.
[00:07:34] Making money as a blogger.
[00:10:23] Significant business growth.
[00:13:24] Financial stability and resilience.
[00:18:03] What's possible with money.
[00:19:21] Buying a rental house.
[00:24:59] Rental property investment mindset.
[00:27:19] Difference between spending and investing.
[00:30:01] Sales and marketing skills.
[00:32:25] Building goals and cash flow.
[00:35:43] Entrepreneurship and business discussion.

Notable Quotes
"Failure is just not an option. The only availability I have is forward."
"Down is on the way to up. There's no down and there's no backwards for me. We're only ever going forward."
"Being poor is such a scam. It's so easy to make money, even if you only have a little bit. You've got to start getting that leverage for yourself because it gets easier and easier."
"There's always solutions. Problems can't exist without solutions. Anytime there's a problem, there's a solution."
"Even if it's going to take a year, two years, three years, five years to build, it's worth doing so you can have it someday."
"Just figure out what you want, and then look at what would it actually cost and just put your brain to work about how could I get that kind of cash flow?"
"You've got to work for yourself because if you're working for someone else, they're going to be paying you less than your labor is worth."
--
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In today’s episode, I interviewed Marlena Jarjoura, a self-made entrepreneur and founder of Hill Country Nature Retreat Center. Marlena shares her journey from teaching children to co-creating an off-grid oasis with her husband in the Texas Hill Country. They have built rental properties and a retreat center using reclaimed and recycled materials. You will gain insights into their financials and the work they have done to create their sustainable retreat center. If you have ever dreamt of having your own retreat center, this episode is a must-listen.

Key Highlights
[00:01:01] Shifting from teaching to off-grid living.
[00:04:18] Quitting teaching, starting WOOFing.
[00:08:01] Learning curve in solar power.
[00:11:53] Embracing imperfections in design.
[00:18:19] Rental income and property appeal.
[00:19:20] Building a brand beyond Airbnb.
[00:24:43] Sustainability and off-grid living.
[00:27:51] Changing climate and challenges.
[00:31:13] Setting boundaries and work-life balance.

Notable Quotes
"Just take one step at a time and don't look too far ahead."
"The goal of our lives is to be content and happy, and not stressed."
"It's like the pieces started getting put into place and it just started unfolding and blossoming."
"We try to find things for free if possible, and we end up finding a lot of really good free stuff."
"It's a puzzle. We like the challenge of it most of the time."
"Just start little by little and always remember what your goal is."

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In today's episode, I have the pleasure of interviewing Pat Romboletti, a renowned author, Ted X speaker, and career coach. We dive deep into the concept of bulletproofing your career and how to navigate unexpected career changes. Pat shares valuable insights on changing our mindset about loyalty to our employers and prioritizing our own financial future. This conversation is a game-changer for anyone looking to take control of their career and financial security.

Key Highlights
[00:02:08] Changing your relationship to your career.
[00:04:51] Loyalty to a company.
[00:08:37] On Board to Bulletproof.
[00:11:36] Building your professional network.
[00:15:33] Protecting finances and career.
[00:19:13] The financial impact of getting laid off.
[00:21:31] Finding a better boss.
[00:24:32] Job loss and networking.
[00:28:04] Be thankful for your job.
[00:30:53] Membership program and coaching.

Notable Quotes
"Your first loyalty is to yourself, to your family or anybody who's counting on you, to your legacy."
"Doing your job is only going to keep you there for three to five years on average."
"Your biggest risk is not taking the risk of looking outside, not leaving a precarious, capriciously."
"The idea is not being ready to be ready for your next something is the biggest risk of all."
"Your mental health will be better. Your physical health will be better. And that is worth money."
"The impact of this is every time you lose your job, you lose money, period, not just compensation."

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Today's episode is all about the six most common investment mistakes that I see derailing you from your investment returns and your long term financial progress. These mistakes are so common. I see them time and time again. They're promoted by the media, your friends, your family, and generally. They often seem like the most exciting and fun way to invest.

But through this episode, I'm going to teach you some wealth building fundamentals that are tried and true. They're going to help you get ideally the best investment returns for yourself and make sure that you are building a secure financial future. You're going to learn a lot about investing in general from this episode.

Plus I'm going to share specific stories, stocks I've invested in and lessons that I have learned financially as well. So without further ado, let's dive in and make you a better investor!

Key Highlights[ 00:01:51] Mistake #1: Chasing the trends
[ 00:04:29] Mistake #2: Making emotional decisions
[00:07:29] Mistake #3: Failing to properly diversify
[00:12:31] Mistake #4: Trying to time the market
[00:14:27] Mistake #5: Ignoring investment costs
[00:17:34] Mistake #6: Neglecting the power of compounding interest

Notable Quotes
"The number one mistake is chasing the trends."
"Don't try to time the market. Don't try to use your time and energy that way because it can, like I said, it can only prevent you from getting more exposure to the market."
"The earlier you begin saving and investing, the more compounding interest works in your advantage."
"Start now, start early, invest often, invest as much as you can, even if it's not a lot of money, continuously putting in money in the market year over year will help you start to really play this compound interest game."
"Maintain diversification in your investment portfolio."
"Making emotional decisions when the market is down is the number one mistake that I have seen people make in their investment portfolios."
"Neglecting the power of compounding interest is a huge mistake. Compounding interest is what Albert Einstein claims is the eighth wonder of the world."

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In this episode, I'm going to go through five different principles of a millionaire money mindset. Each of these principles will give you a deeper understanding of how millionaires think about their life, money and wealth to support them in their financial freedom goals. As I go through each principle, I will also give you reflection exercises so you can start to see if these principles align with your current relationship with money or if they are opportunities for you to enhance or strengthen your relationship with money.

Key Highlights

[00:00:07] Introduction to today’s topic: How to start thinking like a millionaire.

[00:00:31] The significance of a positive money relationship

[00:01:21] Challenging societal perceptions and personal fears about wealth

[00:03:19] The significance of financial education, strategic planning, and self-trust in achieving financial goals.

[00:05:36] The importance of managing money responsibly, planning, and actively engaging in one's financial health

[00:08:08] The importance of shifting from conservative saving to proactive, risk-embracing investing for successful wealth building

[00:10:00] The mindset and attitude required for successful wealth growth investing

[00:11:10] Benefits of focusing on value creation toward financial success

Notable Quotes

Millionaires. want to be wealthy. They have a positive relationship with money. And because of this positive relationship with money, they don't unnecessarily or unconsciously block money into their life because they're scared, ashamed, or resistant to wealth.
One of the first things that I had to learn was that morality. Who you are as a person is very different than your finances.
Your morality and your money are two separate things. They need to be addressed separately and talked about separately. You can choose to be a wonderful, generous, altruistic, aware, self-aware person. And be very wealthy and rich.
When it comes to wealth building, you have to understand that saving your way to wealth can be a slow path to wealth building to grow your money in a way that doesn't require your time and energy. You have to become comfortable with investing.
Sometimes, it takes 5, 10, and 15 tries before you start to get that positive return on your investment. But you have to keep going. You have to have the mindset that no matter what, I will figure this out.

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Welcome to today's episode! I'm thrilled to be joined by Sarah Nemecek, a seasoned life and business coach specializing in assisting C.P.A.s. In this episode, we delve into the Top 3 Millionaire Money Mindset Blocks.

We uncover the effects of separating your morality and money, and delve into the consequences of avoiding financial realities while claiming "money doesn't matter.”

But that's not all—we also tackle the concept of keeping one's financial status confidential. We explore the boundaries and limitations of this notion while highlighting the empowering advantages of open conversations about personal finances. Furthermore, we explore the transformative effects that can emerge when challenging self-perceptions of financial inadequacy.

Tune in for a thought-provoking conversation that holds the potential to pave the way towards a more prosperous future.

Key Highlights

[00:00:00] Sarah’s background

[00:01:42] Introduction to today’s topic: Main money mindset blocks

[00:02:05] Block #1: "It's just not about the money"

[00:03:04] The impact of disconnecting motivations from finances

[00:05:12] Using the "money doesn't matter" notion to avoid financial realities

[00:06:49] Harmonizing passion, service, and financial importance

[00:11:45] The misconception of keeping financial status confidential

[00:13:08] How keeping financial status confidential holds you back

[00:22:45] Benefits of having open conversations about personal finances

[00:28:07] The self-perception of being inept with money

[00:32:10] Some fears that most people have with money

[00:34:52] How genuine security arises from personal capabilities, not just financial assets

[00:41:52] Words of wisdom to the people who feel they are bad with money

Notable Quotes

● The thing about the money mindset is it's constantly a work in progress. It's something that even as I've, I've experienced. I'm sure you can talk about your experience too. Even as I started to hit these different wealth-building milestones, I still had so much work to do on my money mindset.

● I hear that from anyone who does not want to grow or wants something different but feels like they can't have it. Like it's, that struggle with money is evil. And then, if I wanted it, I would be evil. And so I shouldn't want it. Like It's so, there's so much involved in that tiny statement. And the thing is, it's, it is about the money, but not in the way that we think it is. It's always so many other little things in it.

● It’s much more interesting when you admit that you have money, wants money, and are pursuing money, and it just opens up so many more things in life, so many more experiences for sure.

● Not wanting people to know you have money keeps everyone small. Because if you show up and let people know that you have money, it shows what's possible. It opens up doors, and by you learning to be comfortable with it, it lets other women learn to be comfortable with it.

● Your biggest asset is not your money, house, or investments. It's you and your ability to go out and make money. And that's where I've always had my, I guess, security. Like, security comes from having X amount of dollars in the bank, but it comes from you knowing how to make money.

●

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In today's episode,I'm going to tell you exactly what my husband Craig and I did over the past five years that has resulted in not only a seven figure net worth, but also six figures in passive income off of the investments that we've made through our house hacking and house hopping strategy.

Even if you don't think house hopping or house hacking can work for you and your current financial situation today, I highly suggest you listen to this episode because not only are you going to hear the strategy that I use that helped me get to a million in net worth, but you're also going to hear my mindset and how I thought about the wealth building strategy that I use to actually help me accelerate my wealth building in such a short amount of time.

Key Highlights

[00:00:00] Holistic Money Podcast intro

[00:02:10] Introduction to today’s topic: The Wealth-Building Strategy That Made Me A Millionaire At 35

[00:03:20] Ways one can approach wealth-building strategy

[00:06:12] Straightforward approach to begin real estate investing

[00:08:04] Turning the primary bedroom to generate a new income stream

[00:10:04] Converting a single-family home into a duplex

[00:11:02] Benefits of house splitting for real estate investors

[00:12:56] Unseen Opportunities: A key to real estate success

[00:15:20] What it takes to generate this passive income as a real estate investor

[00:17:23] Enhancing decisions with an investor mindset

[00:19:14] Holistic Money Podcast outro

Notable Quotes

The simplest way to start real estate investing was to buy a primary residence I lived in for a year. We ended up living there for a year and a half. And then turning it into a rental. One of the main reasons why I love this strategy is because whenever you buy a primary residence that you live in. you can get a mortgage that allows you to put as little as 3% down if you get an FHA loan or 5% down if you get a conventional mortgage.
Here's what I'll tell you about house hacking. So many of you believe that if you house hack, it will be a miserable experience. What I found is the way that we chose to house hack was we actually closed off the door that allowed you to get into the primary bedroom from our house, and we put an entrance on the backside of our house.
When somebody rents your place for an Airbnb or a midterm rental, they're not looking for the perfect luxury property. They're simply looking for an affordable place that they can stay for a short amount of time for them to be able to either explore the city or have a place to live temporarily for their work assignment.
A lot of you have the goal and the idea of how nice it sounds. To generate this passive income and become a real estate investor, you're not willing to do the work and make the sacrifices required to get you there. It takes real strategy and decision-making to actually bring this to life. It's just not magically going to show up on your doorstep.
Sometimes we can have limiting beliefs about what is possible and what we can do because of our current life situation. And you have to be willing to get creative, see past that. Focus on the end goal for yourself, which is building wealth and passive income streams.

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“My advice is to get into real action for your real estate goals. Learn the information that you need to know about your specific financial situation and the ways you want to invest so you can start to get real estate properties under your belt.”

Did you know that 90% of millionaires build wealth through real estate? It's an incredibly powerful tool for building financial security, and I'm thrilled to share with you five simple, actionable steps to kickstart your real estate investing journey.

In this episode, I’ll guide you through getting financially prepared for an investment property, show you how to analyze potential properties effectively, discuss the importance of assembling a reliable team, and finally, reveal how to start making offers confidently.

If you've been considering real estate investing for a while, now is the time to turn those thoughts into reality. I’m here to help you step onto the court of your life and bring your real estate investment dreams to fruition. So, without further ado, let's dive in and equip you with the knowledge and tools to make your mark in real estate investing. Let's get started!

Key highlights[00:00:00] Holistic Money Podcast intro

[00:00:57] Introduction to today’s topic: Buying your own real estate investment

[00:02:15] How to get ready for your real estate journey:

[00:02:25] Step #1: Establish a strong financial foundation for yourself and why it is important

[00:02:29] Money Mapping training as a budgeting tool

[00:06:15] Step #2: Explore real estate investing methods that suit your finances

[00:08:27] Step #3: Learn how to start analyzing deals

[00:10:11] Websites to check nearby real estate property

[00:14:10] Step #4: Assemble your real estate team

[00:15:01] Looking for an Austin realtor for investment properties? Contact Craig& I

[00:17:02] Step #5: Stop thinking about it and start doing it

[00:19:13] Holistic Money Podcast outro

Notable Quotes

Before you go and take more risks and start investing your money to make money through real estate investing, you want to ensure that you have a stronghold and handle your personal finances. You want to make sure that you've already developed some great habits with money, like you have a great financial management system that you like to use.
Ultimately, it comes down to looking at your specific financial situation, where you are, the amount of cash you have, the amount of money you can borrow, and then the amount of work you want to put into the property. That's a big consideration as well.
For those that are new to real estate investing, consider getting a home that's in pretty good shape, one that isn't going to need a new roof or water heater or isn't in bad condition so that you don't have to plan for a lot of maintenance and repairs for the future. But you must start to think about when you need to replace the roof next, or how old the water heater is, or what condition the floors are in because these are going to be expenses that you have to put into the property later on, to make sure that you keep it up-to-date and functional for people to live in.
When it comes to real estate investing, analysing the numbers is one of the most important things you can learn. The numbers truly do no

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In this episode, I am joined by Gayle Reaume, the CEO and Founder of MoolahU, to discuss how to prepare children for financial success in the real world. Gayle shares her inspiring background and the mission of MoolahU. We address emotional triggers parents may face while spending on their children without teaching essential financial concepts, and offer practical strategies to overcome these obstacles.

She guides us in introducing financial education to children and supporting them in responsibly earning money. Understanding age-appropriate learning, Gayle shares effective methods for teaching financial decision-making based on developmental stages. We also explore opportunities in Gayle’s entrepreneurial camps for children, gaining valuable insights into fostering entrepreneurial skills and financial acumen.

Are you looking to empower the next generation with financial tools for success? Tune in and learn.

Key Highlights

[00:00:00] Holistic Money Podcast intro

[00:00:07] Introduction to today’s topic: how to prepare your children financially for the real world.

[00:00:54] Gayle's background and what MoolahU is about

[00:02:39] How Gayle tackled the issue of not feeling proficient with money

[00:07:03] Emotional triggers that parents may encounter when it comes to spending on their children and not teaching them essential financial concepts

[00:10:58] Gayle’s approach to teaching parents how to introduce their children to the concept of financial education

[00:15:08] How parents can help children learn how to earn money

[00:19:48] Age-appropriate learning when it comes to teaching children about financial decision-making

[00:22:43] Understanding the opportunities available in Gayle’s entrepreneurial camps for children

[00:26:54] The age range for the children joining Gayle’s entrepreneurial camp

[00:27:31] Gayle’s advice to parents

Notable Quotes

I believe in you doing something once; If it's wrong, it's a mistake. If you do something twice, it's a choice.
One of my favorite sayings that I saw on the school the Montessori school where I took my daughter when she was three for a little half-day program, and it said, never do for a child what they can do for themselves.
The birthplace of business is looking for places to solve problems and figuring out how to get people to exchange value for something you can do for them, right? So we want to get them thinking outside of, there's only one place for me to get this money: mom or dad.
So we want to be careful not to use money to control our children or manipulate their behavior. We want that money to become a tool for them to explore that value proposition.

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In today's episode of the Holistic Money Podcast, I dig into the topic of HELOCs (home equity lines of credit).I explain the concept of a HELOC, its benefits, and how to qualify for one. Emphasizing the importance of strategic and responsible borrowing, I discuss various ways to use a HELOC, such as investing in income-generating assets, paying off high-interest debt, and using it as an emergency fund.

I also highlight the potential risks and costs associated with HELOCs, including the possibility of losing your home if you cannot repay the loan. I will help you better understand HELOCs and how they can be utilized to achieve financial goals effectively and responsibly. Let's embark on a journey to financial freedom and wealth creation without the constraints of traditional budgeting methods.

Key Highlights

[00:00:00] Holistic Money Podcast intro

[00:00:59] Introduction to today’s topic: Why now is a great time for a HELOC

[00:02:55] What a HELOC is and how it operates

[00:03:58] Requirements for one to qualify for a HELOC

[00:04:41] The greatest risk of HELOCs

[00:05:10] Different fees associated with HELOCs

[00:06:48] Why take a HELOC as opposed to a home equity loan

[00:09:18] Different ways one can use a HELOC

[00:11:03] How a HELOC gives you access to an additional pot of emergency funding

[00:12:27] Why you should start making your principal payments earlier

[00:13:37] Holistic Money Podcast outro

Notable Quotes

HELOC is something that in the event that you do own a home and you do have enough equity in your home, which I'm going to cover in this episode, it's a great way to have revolving access to a line of credit that is relatively inexpensive and will allow you to have quick access to cash in the event that you need it.
A HELOC is a revolving line of credit that allows you to borrow against the equity that you have built up in your home. So your HELOC operates like a credit card. It's not like a loan where you get a lump sum of money; just deposit it into your checking and savings account. Instead. This is access to money you have, the equity in your house that you can draw in small or large installments whenever you need it.
The good news is that you have complete flexibility on how you can use this money. There are no restrictions or regulations. The bad news is that there are no restrictions and regulations on how you can use this money. And the reason why I say that is because this can be a really great thing, but this can also be a really destructive thing, especially if you're not intentional about how you are using this borrowed money.
Don't just take a HELOC against your home to go on a fancy vacation or buy a Range Rover or depreciating assets. Make sure that you are getting access to this money so that you can be strategic with investments as they present themselves to you.
If you're going to borrow money against your home, you're using it wisely and strategically in a way that makes financial sense, not just going out and blowing the money because you have access to more money.
During the draw period, which is the first 10 years, during which you only are required to pay the interest back, I do suggest that you go ahead and make principal payments as well so that you're not stuck with a la

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In today’s episode, you will get a behind-the-scenes recorded call from the Holistic Money Program. This call focuses on the difference between impulsive and emotional spending versus intentional spending, providing a valuable framework for understanding your spending decisions. By exploring this topic, you'll gain the necessary tools to start spending more intentionally and in alignment with your goals.

You’ll also learn a set of questions to ask yourself before making any purchase. These questions are designed to help you to use your money as a tool that supports what truly matters to you. With each decision and purchase, you'll learn how to make choices that contribute to building your desired life.

This episode is packed with practical tips and reminders to guide you toward a more intentional approach to your finances, helping you identify what truly matters to you and how to align your spending accordingly.

Key Highlights

[00:00:00] Holistic Money Podcast intro

[00:00:58] Introduction to today’s topic: How to spend money in an intentional way

[00:02:00] Behind-the-scenes call on intentional spending

[00:03:31] Differences between emotional, impulse, and intentional spending

[00:08:10] 11 questions to help you become more intentional with your spending

[00:14:15] Upcoming announcement about the Holistic Money Program

[00:15:18] Holistic Money Podcast outro

Notable Quotes

No matter what level of income you have or what level of assets you have, you still have a finite amount of money you are stewarding. You are directing the flow of that money towards what is most important for you, and you will have an opportunity to spend your money bazillion in different ways.
When you're intentionally spending money, you're thoughtfully spending money. You're sitting and asking yourself, “Is this in alignment with my values? Is this really what I want to build with my money? Is this actually how I want to be using my money?”
Everything you want to buy costs you your time, and if you start to look at the amount of time you have to work to buy the things you want, you have a new framework for financial decisions.

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“Just like investors want to diversify their investments, diversifying your income helps you reduce risk with money.”

In today's episode, we'll discuss one of my favorite personal finance topics: multiple income streams. I have been a multiple income stream girl since I left my parent’s house at 18. Today my husband and I have over 10 income streams and in this episode I am going to teach you how to get started on your multiple income stream journey. The average millionaire has seven income streams, which is by no accident or mistake; it is because it is a good financial strategy to have multiple income streams. And if you are not doing this in your financial life, now's the time, my friend.

Here’s what we'll cover:

Three reasons why you need multiple income streams
Where to look in order to create multiple income streams
Mindset you must have in order to be successful on your multiple income stream journey

Key Highlights

[00:00:00] Holistic Money Podcast intro

[00:01:38] Holistic Money Program officially opened for enrolment

[00:02:33] Introduction to today’s topic: Multiple income streams

[00:03:56] Why I love multiple streams and why you should implement the same

[00:04:05] #1: It diversifies your income

[00:06:02] #2: It helps me diversify my attention in my income-making process

[00:07:10] #3: It helps me accelerate my wealth-building journey

[00:08:37] #4: Allows you to infuse a lot of creativity into your money-making process

[00:09:45] Places to start creating multiple incomes:

[00:10:00] #1: At your professional skillset

[00:13:13] #2: Through real estate

[00:16:11] #3: Invest in a rental property with multiple investors

[00:17:01] #4: Exploring different websites

[00:18:25] Holistic Money podcast outro

Notable Quotes

The average millionaire has seven income streams, which is by no accident or mistake; it is because it is a good financial strategy to have multiple income streams. And if you are not doing this in your financial life, now's the time, my friend.
You may also be listening as an entrepreneur with a business, and you're putting all your time and energy into building this business. But multiple income streams can be so helpful in your business-building process simply because it allows you to take a lot of the pressure you may have off this income stream and diversify across various ways to make money.
What happens for my husband and I is whenever we're creating any kind of goal for the future, it's not like we're discouraged by our timeline because we realize there are so many different ways that we can get to the goal that we want to achieve, and that feels like a much more creative and free process versus just having one income stream with a fixed amount of money coming in and waiting to hit a financial goal based off of how much you can just save from one income stream.
Having multiple income streams coming in at different times at different paces helps you start to accelerate your goals and remain more positive through the wealth-building process and see more possibilities on how you can hit your wealth-building goals faster.

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In today's episode, I am interviewing Amanda Grace. Not only is she a former client, but what truly captivates me about Amanda is her remarkable intellect. We will delve into a topic we touch on in every episode: money. However, today we're going beyond the surface and exploring Amanda's personal relationship with money. Together, we'll venture into the profound aspects of money often overlooked in conventional personal finance podcasts. We aim to delve beneath the surface and examine the thoughts, feelings, and emotions surrounding money. We'll also explore the social constructs associated with money, empowering you to connect deeply with your financial journey. So, without further ado, let's dive right in.

Key Highlights

[00:00:00] Introduction to today’s guest and topic: Amanda Grace talking about her relationship with money

[00:01:53] Why Amanda decided to start working on her money

[00:03:27] Financial education is not a part of the school curriculum

[00:06:27] What money represents to Amanda beyond the practical uses

[00:08:32] How growing up without money has impacted Amanda’s life today

[00:11:17] Strategies that have helped Amanda improve her relationship with money

[00:14:34] Amanda’s advice to emotional people that don’t identify as logical

[00:19:33] Trying to make money with an emotional background relationship with money

[00:28:32] What is most valuable to Amanda?

[00:29:47] Example of Amanda’s client who wanted to declutter

[00:35:37] Can money buy happiness?

[00:44:13] Amanda’s advice to anyone with a scarcity mindset when dealing with money

[00:46:26] How to connect with Amanda

Notable Quotes●I bought things to feel good about myself and like I was good enough. I had never felt truly worthy of money, so I used money as a tool to get there, and what I found was, ultimately, it only perpetuated my sense of worthlessness when I tried to use the money to fill that hole.

●Keeping in check with money facts has given me a structure that makes it feel safe for me as an emotional person to make money decisions based on facts.

●I have a beautifully rich emotional life, but without solid ground, at some point, you're going to get tired out there in the ocean, and you're going to drown. So having that life raft of a system, a procedure, facts, because one thing is, the great thing is that the figures never lie.

●Having a read on the numbers every week gives me some time to experience other emotions like contentment and peace and not just the urgency and panic that is necessary for me to make money.

●It's up to me how much I make, but there will always be a cost. And so that helps me stay in line with my values, and I am not willing to pay certain costs. I'm not willing to pay the cost, for example, of integrity.

●Money is not the most valuable thing, and it's up to me what I spend, and it's up to me what I make, but at what cost? So that's where I'm at with money right now, and it’s also allowing money to provide for me in a very basic and functional way and honor the emotional way I meet life.

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Welcome to today's episode! I'll be addressing a common question I frequently receive: How much money should I be spending, and how much should I be making based on the lifestyle I desire? Many of you seek guidance on whether you're managing your finances to align with your long-term goals and if you’re actually making enough money to achieve it. In this episode, I am going to help you find the answer for yourself, enabling you to have confidence in your financial decisions and ensuring they contribute to the life you envision.

I'll provide straightforward formulas that you can use to calculate these figures, granting you a greater sense of awareness and helping you determine whether your current financial approach will lead to the desired outcomes. Enjoy!

Key Highlights

[00:00:00] Holistic Money Podcast intro

[00:01:00] Introduction to today’s topic

[00:02:04] Personal desires and money

[00:03:42] How much money do you want to be spending?

[00:04:58] Calculation: What your lifestyle should consist of

[00:09:20] Factors that determine savings

[00:11:14] Creative ways to retire

[00:13:29] Holistic Money Podcast outro

Notable Quotes

Before we dive into calculating your numbers, I will first offer you that there are no shoulds with your money. One of my favorite mentors always used to say, “Stop shooting all over yourself because there's not a magic formula, or one way to live your life, or one amount of money you should be spending, or one amount of money you should be earning, it all comes down to your desires.”
Adjusting your lifestyle to get closer to the ideal numbers isn’t perfect; your personal finances are simply about getting more and more intentional with your money over time.
Look at your number and compare it to what you're doing. If you are far off from your number, realizing you’re spending a lot more than the recommended percentage so that you can save and invest, start to think about some adjustments you can make in your lifestyle to get closer to the ideal numbers.
You can retire well in several ways without having enough money in your savings and investment accounts to support your life. And I'm not saying this to suggest it's not something that you don't want to prioritize now. Still, I'm saying this because most people don't have enough money saved and invested in feeling comfortable in their retirement years, and they spend so many years of their life worrying about this time when they don't have to. There are many options and solutions for your retirement years that don't always depend on you having the amount of money in your savings and investment accounts.

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How to Feel Confident with Money
“I believe that financial confidence is the most important component to financial success, wealth building, and making great financial decisions. It all starts with financial confidence.”

In this episode, I'll discuss financial confidence—the key to financial success, wealth building, and wise financial decisions.

Financial confidence is the belief in your money-related abilities, from investing to savings and understanding the stock market.

Financial confidence is developed through a combination of financial education and your relationship with money. Without it, you're less likely to seize opportunities, ask for raises, or take control of your life. Join me as we explore actionable steps to develop stronger financial confidence, starting today. Let's begin!

Key Highlights

[00:00:00] Introduction to today’s topic: How to feel confident with money

[00:02:13] Things to do to feel confident with money:

[00:02:27] #1: Bringing a higher level of awareness around the way that you were talking about money and the way that you were specifically talking about yourself with money.

[00:05:28] #2: Get a foundational understanding of money

[00:06:10] Key concepts you need to understand about money

[00:06:48] Money management skills

[00:08:25] Why should download the Free Money Map training

[00:09:10] Having some basic education in investing

[00:10:05] How to build financial confidence with the Holistic Money Program

[00:10:37] #3: Start asking questions about money or any financial-related concept that you don't understand

Notable Quotes

I find that without financial confidence, you're so much less likely to put your hat in the ring for that promotion, ask for a raise, take advantage of the financial opportunities that are presented to you, or just take full ownership of your life and feel empowered.
The way you talk about money and how you talk about yourself with money reflects your internal belief systems about money. If you consistently speak in limiting ways about money in yourself, that can highly impact and reflect your confidence in money.
When you learn more about managing your money, you'll start to understand how much money you want to spend on your present-day expenses versus how much you want to save and invest for your future.
When you start to ask more questions about money, you're going to start to practice talking about money more often, and you're going to hear other people talking about money. You are going to get just more comfortable and confident. Being in conversation about money.

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In the midst of a busy season in my life, I've been juggling multiple responsibilities: Managing our Airbnb rentals, taking care of our expanding animal farm, preparing for a hundred-mile run, attending a friend's wedding, and expecting a baby have all contributed to the excitement and growth in our lives. While it comes with challenges, I embrace these opportunities as fun problems to solve. Today's episode focuses on five simple and effective ways to optimize your finances. These strategies will help you save time, make more money, and enhance your wealth-building journey. They are easy steps that yield quick wins, boosting your financial progress. Let's dive in and make your wealth-building process more efficient.

Key Highlights

[00:00:00] Holistic Money Podcast intro

[00:00:57] Update on what’s happening in my life

[00:03:28] Introduction to today’s topic: 5 things everyone should do with their money

[00:04:20] #1: Using a high-interest savings account

[00:06:35] #2: Stop banking at large national banks

[00:09:16] Great online banks to consider

[00:09:44] #3: Have a quarterly money date

[00:10:50] My Live Money Date on June 1st, 2023

[00:11:44] #4: Automate your savings and your investing contributions

[00:13:40] #5: Be mindful of the way that you talk about yourself with money and the way that you talk about money in general

[00:16:32] Holistic Money Podcast outro

Notable Quotes

High-interest savings accounts are the only great thing about inflation because interest rates are much higher than they used to be. So now banks are paying you much more to keep your money in a savings account.
For those of you that don't use savings accounts because you like to pad your checking account with a lot of money, or perhaps you do have a savings account, but it's at a large national bank, I highly consider you make a move to a high-interest savings account because you were losing out on free money.
The golden rule of subscriptions is to make sure if you last used it for at least the past three months; it is time to cancel it, no questions asked.
A lot of mindset drama tends to stand between most of you automating your savings and your investing contributions because you're afraid you don't have enough money to do this monthly or you'll overdraw your account. But I just want you to step back and question this thought process. The reason why is that automating your money will ensure that you are consistently investing and saving monthly, even if it is a small amount.
Investing and saving consistently is like a muscle you strengthen and build up, similar to going to the gym. As your investment accounts grow in your savings accounts, you feel more secure, safer, and more motivated with your money.
There's so much power in your words, language, and how you perceive yourself. I want you all to be mindful of how you describe yourself with money, even if you may not believe that you’re amazing with money, and you’re strategic and understand everything happening. You can start making small shifts in how you've perceived yourself with money simply by talking differently about yourself.

If you do not have a quarterly practice to have money

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In today's episode, I'll be sharing the biggest money lessons I've learned throughout my journey, taking my net worth from negative $40,000 in credit card and student loan debt to a seven-figure net worth.

I'll be opening up about personal stories that have never been shared publicly before, providing insights into these financial lessons. Some of the stories include being sued by my former employer, relying on my mom to pay my rent during unemployment and financial struggle, and being financially dependent on a cheating fiancé.

By delving into these experiences, I aim to offer a holistic approach to money management and simplify your path to wealth. My goal at Holistic Money is to empower you with valuable lessons that you can apply in your own financial journey. Expect to hear compelling stories that provide great insight into money lessons you can also learn.

Key Highlights

[00:00:00] Holistic Money Podcast intro

[00:01:00] Introduction to today’s topic:

[00:02:15] My shameful financial situation in 2015

[00:05:50] My first biggest money lesson

[00:07:40] Quitting my job and starting my business

[00:08:01] Meeting a wealthy unreliable fiancé and the lesson this taught me

[00:16:09] Splitting with my fiancé, moving out, and finding a job

[00:18:16] Getting a six-figure salary job at a FinTech as a financial advisor

[00:18:47] Most important money lesson: Seeing lessons and value of every financial decision
[00:21:00] Holistic Money Podcast outro

Notable Quotes

The first big money lesson that I learned is that just having a strong burning desire to do something, especially like start a business or take a low-paying job, is not necessarily enough to make it a great decision for you if you don't have a strong financial foundation to lean back on.
Do not go for a relationship with a partner simply because they are wealthy.
The next lesson I learned after starting my business was to take a manageable financial risk, like starting a new business or taking a job that pays you significantly less without establishing a secure financial foundation. It is so critical that you learn strong money management skills and that you have good financial habits before you take any large financial risk.
After getting cheated on, getting sued, and moving out, I decided at that moment that regardless of everything that had happened in my financial life and the decisions that I had made, I was still valuable. The skills I had from my positions in previous financial roles were incredibly valuable, and the decisions I had made during that time did not define me.
The most important thing in your life, and even with your money, is truth and acknowledgment, which is looking at what's happening and starting to address it and plan for it.

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In today’s episode, we’re exploring the multifaceted world of debt.You’ll learn the three key ways to harness debt effectively and transform debt from a weapon into a valuable tool. Moreover, we'll explore the concept of strategic leverage with debt, a strategy employed by the wealthy. You'll learn to utilize debt to accelerate your wealth-building journey by the end. So, let's embark on this enlightening journey together!

Key Highlights

[00:00:00] Holistic Money Podcast intro

[00:01:00] Introduction to today’s topic: Debt

[00:02:28] What is debt?

[00:05:35] Three main ways you can use debt:

1: To solve an underearning issue

2: Overspending

3: Strategic leverage

[00:10:04] Kim Kardashian’s mortgage example of strategic leverage

[00:11:49] How strategic leverage has played a role in my wealth-building journey

[00:12:29] Three main asset classes in strategic leverage: Stock market, real estate & business

[00:14:23] Investing money in one’s self

[00:15:22] Quick overview of ways you can use debt

[00:16:48] Holistic Money Podcast outro

Notable Quotes

Debt is not bad. Debt is a wonderful tool that, as long as you're using it in a way that actually serves you in your future long-term interests, you can grow your wealth through debt. I know that is exactly what I did.
So you want to avoid going in with a preconceived notion or a preconceived bias that you shouldn't be using debt because there are amazing ways to use all kinds of debt. You will miss many opportunities if you're focused and locked in on this idea that debt is bad and you shouldn't have and shouldn't use it.
If you notice yourself as someone who is not making enough money to pay for your life, then using debt as a bridge for you to support yourself while you are increasing your income can honestly be a great way to use debt, and I am not one to shame this way of using debt.
There are so many interesting, fun, unique, and creative ways that you can borrow money to invest to get a return. Still, you have to be willing to be open to them, and you have to be willing to look for them instead of consistently telling yourself that debt is not a tool that you should be using.
One of the other places that I love to invest money is in myself. I always believe that my brain is my money maker, and for me to make more money and make great financial decisions, I need to invest in my brain and my education.

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Today's episode is going to be amazing because I have an open and beautiful guest with me, LaChelle. She left a 20-year career as a nurse anesthesiologist to coach women and help them make income faster and have better businesses. LaChelle wrote a book called Get Out Of God's Way: Get Over Yourself And Step Boldly Into The Purpose He Has For Your Life And Business for people who struggle with confusion, fear, and doubt that keep them from reaching their full potential. She has a simple process that helps people recognize their desires and take action while managing their time and organization. LaChelle understands what it's like to juggle a career, family, and a side hustle and is here to share her journey with us.

Key Highlights

[00:00:00] Introduction to today’s guest: LaChelle

[00:00:55] LaChelle’s coaching career

[00:01:44] LaChelle’s solo book: Get Out Of God's Way: Get Over Yourself And Step Boldly Into The Purpose He Has For Your Life And Business

[00:04:03] LaChelle leaves her nursing job to become a coach

[00:07:06] How much LaChelle was making from her nurse job

[00:12:36] How & when LaChelle decided to leave her job and begin her business

[00:19:45] How LaChelle replaced her income

[00:24:19] How LaChelle’s lifestyle changed at first when she began her business

[00:31:15] The challenges LaChelle faced as an entrepreneur

[00:40:53] LaChelle’s software program

[00:43:06] LaChelle’s money advice

[00:46:22] How to connect with LaChelle

Notable Quotes

In my book, I really just want to take all of the excuses that we've allowed to have power over us and get rid of them so that we can truly step into our own power and our full potential for our business.
I think that a lot of people are not as successful as they need to be because they play it safe too long where they're constantly just balancing back and forth and they're not getting any traction. And sometimes it literally takes getting to a point where there are no other options for us to get out of our own heads.
Sometimes, it takes some commitment, some owning it, some burning the boat kind of moment in order for you to take yourself seriously enough to do the things that are brave and hard.
If you are not showing up as the boss that needs to boss up and be powerful and of service-oriented and competent, you are not going to attract the business of the people that you want to work with.
What I discovered when I started my first online business is that I could have a challenging, fulfilling, and in fact a driven career, and be a more present mom and wife, and that's what drove my desires. So you have to lean into what that inkling is inside of you.
Money is energy. Money is literally just the flow in and out of energy, and it's just the meaning that we attach to it.
And so what I wanted to tell you guys is that there are solutions, creative solutions out there if you just open your eyes to them. It doesn't have to be black or white.
You can start your financial journey at any stage, and if you are someone who is currently in that career, and you know what you want for yourself you eventually want to follow your heart. You want to follow your passion, yo

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In this episode, I am going to break down the six accounts that everyone needs. They are checking accounts, savings accounts and investment accounts. I'm doing a comprehensive overview so you have a good picture of all the places your money needs to go so it not only takes care of your present day needs, but it also takes care of your short and long term needs as well. Whether you're a beginner or an experienced money manager, stay tuned to discover the benefits of how these 6 accounts can help you achieve your financial goals.

Key Highlights

[00:00:04] My favorite time of the year

[00:01:35] An intro to today’s topic: The six accounts that everyone needs

[00:05:11] Account #1: Bills account

[00:07:05] Account #2: Habits/ Spending account

[00:10:01] Additional checking accounts for partners

[00:10:42] Account #3: Emergency fund

[00:11:28] How to use your emergency fund:

For loss of income
If you have a home emergency
For an auto-emergency
As a health emergency

[00:13:31] Account #4: Travel Savings account

[00:16:20] Account fees associated with all these accounts

[00:16:56] Account #5: Investment account

[00:18:34] Two types of retirement accounts: Traditional & Roth

[00:19:19] Account #6: After-tax investment account

[00:22:43] Sign up for Money Mapping Training

Notable Quotes

What I love about the multiple account structure is it takes away the need to use technology, and you can just make these accounts specific categories.
It's beneficial to split up your bills account from your spending accounts so that you can be aware of how much money you have to spend versus having everything combined in one account and having some bills coming out and then some spending coming out. This allows you to see exactly how much money you have for spending and exactly how much money you have for bills.
If you're someone that uses credit cards and you're running a balance, and you're not constantly paying them off every single month, then my suggestion is to stop using those credit cards and use a checking account or spending account as a regular old debit card. What I mean by that is you will put an amount of money that you can spend in the spending account, and then as the month goes by, you're just going to spend directly down the money in that account by using your debit card so you won't even have your credit card as a part of your spending.
You have to remember your emergency fund is there for your emergencies. It's your money; using it when you need it is okay.
I love my travel savings account, and you all need one. I think it needs to be a part of your monthly plan so that you're saving for those travel expenses before they come up.
Instead of putting so much money into those retirement accounts and then having to take a distribution out when you need money for your life, you could put less money into your retirement accounts and start to put money into these after-tax accounts and take it out without paying any penalties on the money.

Learn about a comprehensive account system called Money Mapping

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“The facts of your financial situation are where you want to redirect your brain, because this is where you're going to find your power with your money.”

In today's episode, I'll discuss managing your finances when you feel financially strapped. I'll explore the importance of being conscious of your mindset and how your thoughts about money impact your financial decisions. I'll also discuss ways to create positive stories about money and regain control of your finances. Whether in a spending season or not, it's crucial to be intentional about the stories you tell yourself and how they shape your relationship with money.

Key Highlights

[00:00:00] Holistic Money Podcast intro

[00:00:58] Introduction to today’s topic: What to do when money feels tight

[00:03:31] What to do when money feels tight:

[00:05:12] Step #1: Recognize the story vs. the facts

[00:07:04] Step #2: Examine your reasons

[00:10:44] Recap of the first two steps

[00:12:00] Step #3: Consider if you like the reasons you spend money

[00:14:08] Holistic Money Podcast outro

Notable Quotes

It's so vital for us to be conscious about the stories that we are telling ourselves when we know we're in a season where we're actually spending more money than we're used to because what can happen when you're consistently telling yourself that story is that you start to get in an emotional state with the money that doesn't serve you in your financial journey.
If you want to access your financial empowerment and regain your control over money, the process is to get clear on your facts. Really start to look; what is happening with your money?
The facts of your financial situation are where you want to redirect your brain because this is where you will find your power with your money.
Feeling like money is tight is the most empowered state that you can be with your money simply because it puts you in the driver's seat, it gives you a choice, it gives you autonomy, it gives you a path versus feeling like you're on your heels and feeling like you're helpless.
This process of approaching your money more neutrally is the process that gives you so much more power in control of your numbers.
The idea that your money just comes in, or money is just leaking out of your bank accounts, and you don't know where your money is going, are all stories that keep you out of responsibility and empowerment with your money. Really looking at your numbers, understanding what's coming in and what's going out, and why is where you will find your financial power.
Remember, you always have a choice with your money, and until you can see your choices, you will continue to fall victim to the mindset that you're stuck with and that this is your financial reality. There's no way this will change, it's just happening, and you are just responding.

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In today’s episode, you are getting a special, behind-the-scenes listen to a few Holistic Money Program Coaching calls. In these calls, I cover money topics such as money mapping, intentional spending, tax preparation, etc. Each week, students of the program attend these sessions live, ask questions, and get coaching on their money mindset.

For this episode, you’ll hear some of the best content from three recent coaching sessions to share with you. I cover a variety of topics, from money mapping to debt. Enjoy!

Key Highlights

[00:00:00] Introduction to today’s show: Best of Holistic Money coaching calls

[00:01:08] Topics included in the calls

[00:02:06] Enrollment for the Holistic Money Program

[00:03:11] Mindset to help you in money mapping

[00:07:40] Three ways you can use debt

[00:11:16] Three main causes of debt: Overspending, under-earning, & strategic leverage

[00:29:07] Intentional spending

[00:31:01] Difference between emotional, intentional and impulse spending

[00:34:00] 11 questions to ask yourself to become intentional with your spending

[00:46:03] Exercise: Adding up mindless spending for March

Notable Quotes

So one of the things that I want you all to come into the money mapping process with is that managing money is simple, and when I talk through the categories that your money will flow into, you have to clean out your brain.
Debt is not good and is not bad; debt is neutral. It is a tool in your toolbox.
If you're listening to this, watching this, or here now, you have every opportunity to make more money. The question is, do you really want to?
So I want you to ask yourself when it comes to how much you're earning, do you want to do the things you need to do, or would you be required to do them to make more money? Because I don't want you to tell yourself why you’re accumulating debt because of under-earning, but at the same time, if we flip that over and look, we realize that you're not willing to do what it takes to make any more money.
And the way that I truly think about money is that it is never a problem. If I have an investment opportunity that I sincerely believe in and know will make me money, I don't worry about whether I can afford it because I know that I can borrow money.
I don't want any of you to ever count yourself out for an investment opportunity simply because you don't think you have the money for it. After all, debt is always available to you as long as it's a good investment opportunity. As long as you believe and you can convince someone else to believe, you can get money to pay for it.
if you're constantly in the mindset that debt is bad, I shouldn't have debt; it's not an option for me; it's like you're walking around in the world with your eyes shut because you don't get even to see any opportunities that could be available for you where you actually could leverage debt to do something interesting.
I had a lot of really strategic, smart ways of thinking about money and debt and what was really important to me and how I wanted to use my money because I had my vision for the long term. I had my vision of freedom, I had my vision of passive income, and I had my vision of using money strateg

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In today's episode, we'll be taking a deep dive into the five financial phases I went through on my journey from a negative net worth to a seven-figure net worth.

We'll explore each of the five Wealth Building phases in-depth, the mindset at each phase, and actionable steps to help you move into the next financial phase.

This episode will clarify where you are and where you’re headed on your financial journey. Let's dive in!

Key Highlights

[00:00:00] Introduction to today’s topic: The 5 phases of building wealth

[00:03:06] How wealth-building phases promote internal and external growth

[00:05:33] Phase #1: Survival phase

[00:06:00] Reasons why you’re in the survival phase:

[00:11:09] Common ways of thinking while in the survival phase:

[00:13:16] What to do to get out of the survival phase

[00:14:06] Phase #2: Foundation phase

[00:17:38] Thoughts that keep people stuck in the foundation phase

[00:19:18] Specific things to do while in the foundation phase

[00:20:38] Phase #3: Growth phase

[00:22:12] Thoughts that keep people stuck in the growth phase

[00:23:36] What to do in the growth phase to move to the next phase

[00:25:45] Phase #4: Pre-freedom phase

[00:27:41] Thoughts that keep people stuck in the pre-freedom phase

[00:32:52] Specific things to do in the pre-freedom phase to move to the next phase

[00:35:11] Phase #5: Freedom phase

Notable Quotes

I truly use the wealth-building phases as not only an outer growth exercise but also an inner growth exercise. And I am equally as proud and happy about the inner results that I've gotten for myself through my wealth-building journey as I am of the external results of the money and the freedom and the passive income streams.
If you do identify as an underearner and you're not making enough money to support your lifestyle, then you really want to start to focus on your value, which is what you have to offer in exchange for money. You have to understand how to see your value and effectively communicate it in a way that speaks to the needs and the desires of someone else so they also see your value and want to give you money.
When you have identified yourself in the survival phase, your primary focus while you're in this phase is to create positive cash flow by doing one of two things or a combination of both. Number one: increasing your income, or number two: reducing your expenses or some combination of the two
If you are in the foundation space, the most important thing I want you to do first, even before you start making big payments to your credit card, is I want you to have at least one to two months of your lifestyle expenses in your emergency fund. And the reason is because if you don't have this cushion, then at any unexpected expense, you will have to go back to living on your credit cards.
The risk aversion of you needing to play it safe, or you’re so scared to take any real risk or do anything interesting and creative with your money, is another thing that's going to keep you stuck in that growth phase or the pre-freedom phase because often you're going to have to try things in order to grow your wealth, your income, and your influence.

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Welcome back to the Holistic Money Podcast! Today's episode features an exceptional guest, Lisa Michelle Zega, who I am thrilled to have on the show. Lisa Michelle and I met a few years ago, and now she is a member of the Holistic Money Program. Not only is she an amazing person, but she is also a life coach who helps Christian women process grief and heavy emotions. We'll discuss her money story, how she joined the program, and the positive changes she's made in her financial life. Let's dive into this exciting conversation about all things money with Lisa Michelle.

Key Highlights

[00:00:00] Holistic Money Podcast intro

[00:00:58] Introduction to today’s speaker: Lisa Michelle Zega

[00:02:15] Lisa’s money story

[00:03:13] Lisa and her husband’s challenges as it related to money

[00:07:08] Why Lisa decided to join the Holistic Money Program when she did

[00:13:29] What historically has been Lisa’s challenge with money?

[00:22:16] Best experiences from the Holistic Money Program

[00:33:02] What is Financial freedom, according to Lisa?

[00:35:22] Is Lisa financially free today?

[00:37:48] What Lisa has gained from money that she’s grateful for today

[00:40:53] Lisa’s advice to anyone who wants to have financial freedom

[00:42:39] How to connect with Lisa

Notable Quotes

Joining the Holistic Money course made me realize the benefits of joining earlier, especially when finances were tight. Even then, there was room for improvement and opportunities for integration.
Recognizing my own story, I've noticed a common tendency with money where we tend to exaggerate our financial difficulties, hindering us from seeing the opportunities available. While ignoring the issue feels safer, confronting it helped me see the potential for celebration.
My adult experiences have taught me that my upbringing and early years have significantly impacted my financial mindset. I want my business to provide financial access to people from all backgrounds, enabling them to achieve wealth, freedom, and self-expression.
Money isn't meant for hoarding but for flowing through us as we become stewards to build the life we want and shape the world. Money is power.
I'm proud of our conversations in the Holistic Money Program, where I learned to face my self-rejection and differences with my partner. Through it, we built trust and strengthened our relationship toward fulfilling our dreams.
Money as a place of love doesn't mean always agreeing with your partner or having a fairy tale experience. It's about holding space, acknowledging each other's financial wounds, and sharing thoughts. Despite our money wounds, we support each other.
The Holistic Money course takes a comprehensive approach, considering our humanity, history with money, and partners. It's a full and welcoming invitation to be human around money.
Finance experts say financial freedom means having enough money to create passive income and avoid daily work. However, I believe it's a state of mind and a feeling in your body associated with money.

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Key Highlights[00:00:00] Holistic Money Podcast intro

[00:00:58] Introduction to today’s speaker: Lisa Michelle Zega

[00:02:15] Lisa’s money story

[00:03:13] Lisa and her husband’s challenges as it related to money

[00:07:08] Why Lisa decided to join the Holistic Money Program when she did

[00:13:29] What historically has been Lisa’s challenge with money?

[00:22:16] Best experiences from the Holistic Money Program

[00:33:02] What is Financial freedom, according to Lisa?

[00:35:22] Is Lisa financially free today?

[00:37:48] What Lisa has gained from money that she’s grateful for today

[00:40:53] Lisa’s advice to anyone who wants to have financial freedom

[00:42:39] How to connect with Lisa

Notable Quotes

Joining the Holistic Money course made me realize the benefits of joining earlier, especially when finances were tight. Even then, there was room for improvement and opportunities for integration.
Recognizing my own story, I've noticed a common tendency with money where we tend to exaggerate our financial difficulties, hindering us from seeing the opportunities available. While ignoring the issue feels safer, confronting it helped me see the potential for celebration.
My adult experiences have taught me that my upbringing and early years have significantly impacted my financial mindset. I want my business to provide financial access to people from all backgrounds, enabling them to achieve wealth, freedom, and self-expression.
Money isn't meant for hoarding but for flowing through us as we become stewards to build the life we want and shape the world. Money is power.
I'm proud of our conversations in the Holistic Money Program, where I learned to face my self-rejection and differences with my partner. Through it, we built trust and strengthened our relationship toward fulfilling our dreams.
Money as a place of love doesn't mean always agreeing with your partner or having a fairy tale experience. It's about holding space, acknowledging each other's financial wounds, and sharing thoughts. Despite our money wounds, we support each other.
The Holistic Money course takes a comprehensive approach, considering our humanity, history with money, and partners. It's a full and welcoming invitation to be human around money.
Finance experts say financial freedom means having enough money to create passive income and avoid daily work. However, I believe it's a state of mind and a feeling in your body associated with money.

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Today, I'm excited to share with you five key habits for wealth building that have personally transformed my financial life. Despite growing up in a family of addicts and not being primed for financial success, I underwent a huge life transformation that impacted all areas of my life, including my finances. By studying myself and the shift that occurred for me, I've developed these five habits that I believe anyone can implement to achieve wealth-building and financial freedom. So, let's dive in!

Key Highlights

[00:00:00] Holistic Money Podcast intro

[00:01:00] Introduction to today’s topic: Five key habits for wealth-building

[00:03:16] #1: Change your Environment

[00:06:10] My first job as a financial advisor

[00:09:21] #2: Stop thinking day-to-day and start thinking bigger

[00:12:09] #3: Stop mindless spending

[00:12:13] A practical example of one of my clients and her spending habits

[00:16:33] #4: Set up your money map

[00:19:17] #5: Quarterly money dates

[00:21:27] My live money date

[00:24:11] Holistic Money Podcast outro

Notable Quotes

If the company you keep spends time lamenting about their finances, pointing fingers at their boss, and blaming external factors for their lack of money, it's a sign that they don't have a wealth-building mindset. Hanging around such people won't help you develop the habits and mindset necessary to build your own wealth.
You need to shift your thinking from short-term to long-term to achieve your financial goals. Stop thinking in terms of day-to-day or month-to-month expenses, and start thinking about what you really want in life. When you have a clear goal, you'll be motivated to make the necessary changes to achieve it.
Money mapping is effective because it's integrated into your daily finances. It's automated, so the money you allocate to specific goals goes directly into the designated account. This ensures that you always make decisions from a higher, more intentional perspective.
Money dates are great! They help me stay on track with my financial goals and maintain a consistent connection with my finances. Quarterly dates give me a manageable chunk of time to focus on where I want my money to go and what I want to achieve in the next three months.

Join my live money date! For $39, you'll get a four-step process and a cute workbook, leaving you feeling motivated with a clear plan for your financial goals. Bring your partner too! The event is on April 15th, from 10:00 AM to 12:00 PM. Sign up on my website at Holistic Money or Instagram. Most profitable money date ever!

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“If I take care of my money, my money takes care of me.”

Welcome to today's episode, where we have a very special guest, Annabelle Dura, a somatic practitioner, and coach who has been through the entire Holistic Money process. Our work together is complementary because it focuses on changing our relationship with money by examining our stories and circumstances. However, Annabelle's somatic coaching expertise adds dimension to the Holistic Money Program. She helps individuals understand their emotions and connect with their bodies and inner experiences, allowing them to learn how to be present with their feelings.

Today's episode will explore the crucial role of emotional processing in managing finances and dealing with triggering money issues. We will delve into how Annabelle's work as a somatic coach and practitioner helps people work through their emotional resistance to money. In addition, we'll also talk about Annabelle's personal journey with money and how she has used holistic money practices to transform her own financial situation. This episode promises a fascinating and informative conversation, so don't miss it!

Key Highlights

[00:00:00] Introduction to today’s speaker: Annabelle Dura

[00:01:15] Annabelle joining the Holistic Money Program

[00:02:22] Annabelle’s relationship with money and biggest shifts through the years

[00:06:49] How being a somatic practitioner has impacted Annabelle’s results with money

[00:09:02] My own money story

[00:11:09] Emotional patterns with money

[00:22:53] How to complete an impulse due to spending money

[00:27:54] Bottom-up approach to building wealth

[00:32:21] How to feel safe with money

[00:38:37] Annabelle’s words of wisdom

Notable Quotes

Developing a positive relationship with oneself is a turning point in personal growth and professional work, especially in trauma therapy. This relationship and trust in oneself can have a ripple effect on all areas of life, including money, relationships, and work.
It's important not to shame oneself for feeling negative emotions about money, even if they may seem insignificant. Acknowledging and accepting these emotions is essential to give oneself the care and attention needed to overcome them.
Completing impulses is a crucial aspect of the holistic money process, allowing us to understand and control our behaviors and make intentional financial decisions that align with our goals.
The first step towards healing our relationship with money is to feel safe and create a sense of security with money and ourselves. Focusing on this aspect could bring significant healing, and it has the potential to transform our relationship with money, which could bring about positive change in the world.
Feeling safe with money allows for a shift from comparison to personal responsibility, possibility, and individualized approaches to financial safety.
Safety within oneself is key to establishing safety in other areas of life, including relationships with money and work.
Healing is possible, and feeling safe with money is accessible to everyone with the right support and love, even though it might take some time to get there.

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Sharing finances with your partner can be one of the most rewarding experiences in your relationship. Money can connect you and your partner and help you achieve financial goals faster, but it requires an intentional and thoughtful approach. Mishandling money can lead to stress, fights, and awkwardness in your relationship.

Despite income disparities that may arise, establishing shared trust, support, and goals allows you to work together toward building a mutual life. This teamwork can lead to faster achievement of financial goals and a wonderful partnership both in the world and in your money. So if you want to manage money with your partner without fighting or awkwardness, tune in to this episode where I'll teach you how to get on the same financial team. Learn the number one thing to decide on and four tips to discuss and manage money with ease openly.

Key Highlights

[00:00:00] Introduction to what today’s episode is about

[00:00:41] Benefits of managing money with your partner

[00:01:08] First thing that you and your partner need to decide on in your financial lives: Individual money versus shared money

[00:02:03] Having a candid conversation about financial expectations from each other

[00:03:25] Ways you can choose to merge and share your money with your partner

[00:03:31] #1: Choose to keep everything separate

[00:04:58] #2: Share your joint lifestyle expenses only

[00:05:44] #3: Combine everything

[00:08:17] Four tips for managing money more successfully and with more ease in your partnership

[00:08:26] #1: Set up your system and play to your strengths

[00:10:00] #2: Always be transparent

[00:12:20] #3: Schedule money dates

[00:12:59] #4: Make sure each of you has a no-questions-asked number

Notable Quotes

Money can bring you closer to your partner and help you achieve financial goals faster, but only if approached thoughtfully. Mishandling money can lead to stress, fights, and awkwardness in your relationship.
Clear communication about financial expectations is crucial in building a shared life with a partner. Without it, confusion and resentment can fester. Money is a shared responsibility that requires understanding and mutual agreement.
Financial equality in a relationship is powerful because money is a source of power in the world and relationships. It allows both partners to live a similar level of life, regardless of income disparity.
Work on your money together to achieve financial equality and teamwork in your relationship. Set up a money system that clarifies shared versus individual money.
To achieve full financial transparency, establish trust with your partner by conversing about how you will handle your money and clarifying expectations.
If you're managing money with your partner, I hope you found this episode helpful. Don't forget to start your free Money Map training at The Holistic Money Course to create a shared system and language for managing money together.

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Do you know your net worth, how to calculate it and why it’s significant?

In this episode, I am diving into all things net worth. I will teach you how to calculate your net worth, why it’s important and why it's actually not the most important number to track in your financial life.

By the end of this episode, you'll better understand what net worth means for you and how to prioritize it compared to other aspects of your finances.

Key Highlights

[00:00:07] A recap of my weekend

[00:01:02] Introduction to today’s topic: Net worth

[00:03:47] What is your net worth?

[00:05:54] Why does your net worth matter towards your financial health?

[00:09:11] Facts about net worth: Fact number 1: your net worth is going to go up, and it is going to go down frequently.

[00:11:55] Fact number 2: Your net worth doesn't always reflect what is actually happening in your financial life

[00:15:30] Net worth is only important when leaving a legacy

[00:17:30] Average net worth by age according to Federal Reserve in 2020

Notable Quotes

Your net worth is important because, ideally, we want to turn your assets into future income. After all, the goal is that, at some point in time, you don't want to trade your time for money anymore.
You could have a net worth of $100, 000 but if you have enough passive income coming in that actually pays you, so you don't have to work, you have complete financial freedom.
A high net worth is only important if you want to leave a legacy. If you aim to pass on money after you die, accumulating a large net worth is crucial.
Your net worth may not always matter if your assets are not generating future income. Time freedom is more valuable as it allows you to do what you want, with whom you want, whenever you want.

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Financial goals are one of the most underrated aspects of the financial planning process.However, they’re also one of the most essential. Setting financial goals gives your money direction and intention, allowing you to live a more intentional life where you are in control of your finances, not the other way aroundIn this episode, you will learn: Why most people don’t set financial goals * Why financial goals are important * The 4 types of financial goals everyone needs and how to set them Enjoy!Key Highlights[00:00:03] Why Money Goals Are Sexy and So Fun - Setting The Four Financial Goals You Need To Reach Success[00:05:31] Setting Financial Goals to Achieve Growth and Success[00:10:53] Setting Financial Goals for 2020: Stress-Testing Your Income, Lifestyle, and Savings Goals[00:16:14] Designing Your Financial Goals with a Holistic ApproachNotable Quotes** "I think financial goals are one of the most underrated components of money coaching and money planning that's out there." * "The only difference between those two ways is just this. It's the way that you think about your money goals." * "Setting a money goal doesn't just [cause stress and pressure] to you. The reason why you experience that is because of the way that you are actually thinking about this money goal." * "Setting money goals with unintentional negative thoughts is like carrying a heavy burden that will only weigh you down, leaving you feeling stressed and overwhelmed." * "Money goals that excite and inspire you will push you to achieve them, while those that create pressure and disappointment will discourage you from even trying." * "Setting financial goals gives your money direction and intention, allowing you to live a more intentional life where you are in control of your finances, not the other way around." * "All of these things require you to grow and get out of your comfort zone as a person. That is another amazing, amazing reason why you want to set money goals for yourself." * "When you're setting your money goal for yourself, I want you to make sure that it's grounded in reality. I want you to stress test, pressure test your income goal against what could potentially happen, and then start to create your next steps that you're going to take that growth step." * "I want all of you to make sure that you ground your income goal in some sort of reality. And the way that you can do this is you ask yourself, 'Okay, how could this potentially happen?'" Listen on Apple Podcast

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“Whether you're partnered or you're in a relationship, money dates are an incredibly important part of your relationship with money.”

In today's episode, I’m going to teach you the framework to have successful money dates! Money dates are a quarterly money check-in that will allow you to set intentions for the next 90-days with your money. This episode goes over the step-by-step process to make your money dates a success, as well as the mindset to stay consistent with your money dates every 3 months. Enjoy!

Key Highlights

[00:00:03] The Holistic Money Podcast now available in video form

[00:00:48] Introduction to today’s topic: Money dates

[00:04:52] What we do on money dates:

1) Review our net worth with Personal Capital

2) Talk through our financial desires

3) Updating our money map

4) Make decisions

5) Share our income

Notable Quotes

The relationship that you want to have with money that is going to provide the most prosperity, fruitfulness, abundance, ease, freedom and less stress with money is one where you're in touch with your money more often, where it doesn't feel bad to go in and review your money plan.
We intentionally use our money dates not to judge the past or each other, not to say what went wrong; we want to look at where we are and what we want from the next 90 days with any lessons we may have learned from the past.
The first thing on a money date is to come at it with a good attitude, and the way that I come at it with a good attitude is I have good thoughts about money dates.
When you have a larger amount of assets for your future, the goal is that those assets will eventually start to generate income for you in the future, so you don't have to trade your time for money. That's the path we're all following: We want to grow our net worth because when you grow your net worth, your assets are worth more than your liabilities.
There can be tensions around when we have limited resources, and we are trying to co-create a life together, and so the way that we handle that is we give ourselves the space to share what these desires are so I don't have to think that I don't get to be heard and the same goes for Craig.
Remember, your relationship to money dates is just your thoughts about it. So the way you think about money and the way that you think about your money partner is what will make these money dates a success or somethin

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“The first thing every single person needs to do on their passive income journey is to build their money map.”

On today's podcast, I’m sharing my journey to creating $8,000 in passive income every month.

Key Highlights

[00:00:59] Our long weekend in Houston

[00:01:23] Building a yurt as an investment and other surprises within the house

[00:05:57] Introduction to today’s topic

[00:07:06] My vision for 2023

[00:07:20] Our property & a break-down of our property

[00:09:39] From being in over $40,000 of debt to almost $8,000 in passive income

[00:10:45] Reasons for having a money map

[00:15:27] How we began buying rentals and how they are maintained

Notable Quotes

Your money and your life will always be filled with trade-offs. How you use your money, time, and energy is always a trade-off: Do I want to do this, or do I want to do that? So when it comes to using your money, the thing you really want to be clear on is: what do I value most? What is most important to me?
Craig and I want an entrepreneurial lifestyle in that we are the CEO. We want to build our income; we want to build our lives according to our rules, time schedules, desires, and wants. And so to do that, we have to prioritize that as a value versus prioritizing the other things that we are taught we should prioritize financially.
There are so many different ways to get creative with real estate and rent out an asset you own to other people. There are so many different options, but you must be willing to look for them and get creative and find them.
So you can see, with every single property, with every opportunity to make money, I have experienced a lot of resistance, a lot of mindset resistance, and many reasons why I didn't think it would work out. I had a lot of reasons why I thought it would suck to do the things that we've done to get to where we are, but I also wanted to show you how I worked through that, and that will be the process for you too.
As you start to think about all of this different passive income and multiple income opportunities, you will have resistance simply because it's going to require that you do new things that you've never done before. Your brain may have thoughts about what it will be like for you, but be very careful about the thoughts that your brain offers because often, what you don't see is the amazing freedom that can come from these things.

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“The way that you think about money, your money mindset is what is creating your results with money.”

In today's episode, I will discuss money and your money mindset. I will talk with you about what I call financial blocker thoughts. This is a concept that I teach in my Holistic Money Program, where I help my students understand the thinking that blocks them from building wealth. There are three main types of financial-blocker thinking that I'm going to go over in this podcast today so you can become more aware of these three ways of thinking and how they can get in the way of your financial success. I want you to start to discover your financial power.

Examine the connection between your thoughts about money and the world and your financial results. Talking to those with a different money mindset and successful financial outcomes can help you see key differences in their thinking. This can inspire you to adopt similar outlooks and achieve greater financial freedom. Be mindful of your thoughts about money, income, and the lifestyle you want to have with it. Avoid comfortable, non-challenging thoughts that don't push you to grow financially or personally. These thoughts may seem humble or egoless, but they can hold you back from reaching your full potential and financial success.

Key Highlights
[00:00:03] Devastating storm in Texas

[00:02:07] Introduction to today’s topic

[00:02:38] Money mindset in correlation to results with money

[00:07:32] The three types of money blockers:

Shame and worry thoughts with money
Thoughts that overemphasize your needs today versus the value of freedom and security of money for your future
Thoughts about money that make you feel comfortable and don't challenge you to grow

[00:15:21] The thought that talking about money is rude

[00:16:45] The money belief that you should ask for a raise once a year

[00:19:17] Recap of the three types of financial blockers

Notable Quotes

I want to encourage you; if you need help, ask for help. You belong, you're worthy of community, you're worthy of support.
One of the key tenants of believing that the way you think about money is what creates your financial results is this belief that: I create my financial results, and the way that my brain thinks about the world around me and perceives everything that happens is what is creating the net worth number in my bank accounts.
Some people have it way better than you and have a much easier time in their wealth-building journey. On the flip side, there are undoubtedly people that have it way worse than you do and have so many more headwinds in their financial journey, but what matters for every single one of you, regardless of those external circumstances, is the way that you think about yourself and your power despite those things.
You do not let the negative things get in your way, you keep going because you believe that the future you want for yourself is possible, and if anyone can bring it to life, it is you.
When you're constantly in the identity of someone bad with money, someone who is ashamed of themselves with money, you will perpetuate this reality because you believe that you are this person.
What we don'

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Fear with money is created from the way you think about it and the amount of control you believe you have over it.

When you feel at the whim of your circumstances without any real authority or control over your money, that’s when fear takes over.

The antidote to fear starts with changing your relationship to your money and accessing your financial power, regardless of inflation or the stock market.

You have to see it your financial power, claim it and own it. That in itself can be an incredibly triggering process because it all comes down to YOU.

In this podcast, I’m going to give you tools to work through your financial fear, shift your identity with money and claim your financial power.

Key highlights

[00:00:10] Intro

[00:03:10] Instagram poll result on money fear

[00:04:36] The main fears around money

[00:06:20] Distinguishing between emotional response and identity you hold with money

[00:09:51] Questioning your fear thoughts with money

[00:15:42] The thinking that acts as an antidote to fear part 1

[00:25:07] part 2

[00:28:13] Recap of the process of experiencing fear with money

Notable Quotes

If I look back on myself seven or eight years ago and where I am now, one of the biggest shifts for me was healing a lot of the fear I had with money. It was one of the biggest blockers that were getting in my way at the moment in my financial journey, and it was one of the things that kept me stuck.
I don't know that financial fear ever goes away, but I do know that your relationship to the fear and the frequency of the fear and the loudness of the fear is absolutely something that you can start to heal and move through to create many different financial results for yourself.
Your fear with money comes from how you think about money and how you think about yourself with money.
If you are trying to take actions from a place of fear in your life with money, you are not likely going to be taking the actions that are going to get you the financial results that you want because the way you think about money and your financial power and your confidence with money, all of that will inform the way that you feel and it informs the actions that you take and then the results that you get for yourself.
You may find that as you get more clear on who you are and the value you offer, the power you embody and the confidence you will have, you may find other people around you and situations around you that no longer fit and make sense. That can be challenging, but what I'll tell you is on the other side of that is a deeper connection to yourself, a deeper connection to your worth, to your fulfilment, and it is so worth it and necessary.
Changing your identity with money is an act of courage; it is an act of deep unconditional self-love; it is the act of seeing yourself and your potential

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In today's episode, I will talk with you about investing for financial freedom. I have been talking to many clients about financial freedom, and I think about financial freedom often. Craig and I talk about freedom often and wanted to dedicate a podcast episode specifically to how I think about investing for financial freedom.

Before I dive into this episode, I want to first remind you about my four stages of wealth building: the survival phase, the foundation phase, the growth phase, and the freedom phase. So what I'm going to be exploring today are strategies to bring to life that freedom phase regardless of where you are on your financial journey. Suppose you're in the survival phase or the growth phase; in that case, you can still listen to this podcast and start to get some ideas on how to change the way that you're currently thinking about money and perhaps even the leading narrative that you have around money in your life, because whether you're aware of it or not the way that you think about money and perceive your path forward with money has been shaped by things that you've learned from your parents, your employer, your culture, and the government. There are a variety of factors that shape the things that you believe to be true about money.

In this episode, I want to crack open all that, and I want to start to infuse in some new ways to consider using money in your life as soon as today, no matter which financial state you're in. Please stay tuned!

Key Highlights

[00:00:04] Introduction to today’s topic: How to invest for financial freedom.

[00:01:34] Recap of the four stages of building wealth

[00:02:46] Debunking the standard retirement model

[00:10:03] Investing outside of your retirement accounts

[00:12:53] Assets classes for financial freedom investing:

Investing in the stock market
Investing through real estate
Investing through business

Notable Quotes

I’m not hating on spending money; I think spending money is amazing. Every spending decision that you make shapes your life, but when so much pleasure and worthiness and satisfaction comes through the process of acquisition and wealth and spending money on things, it's unconsciously reinforcing the narrative that we're being taught that's shoved down our throat: Work at this job that you don't really care about, and don't find your unique value in the ways that you love to.
In financial freedom investing, you just have to throw a bomb and all of that and think to yourself, “Okay, there have got to be more interesting ways for me to use my money and live my life today, right now, so that I'm not on this hamster wheel and I'm not prescribed this way of living.”
We have to infuse our lives and planning with resourcefulness, creativity, and entrepreneurship.
We have to start to bus some of these standard narratives around money in these cultural myths that we've all been blindly living by to start to think about, “How can I reallocate my resources today to start to create income streams , to give me the freedom that I need and want to be able to live the life that I want on my terms?”
You have to break through this idea that spending money is the path to

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I have a very special episode for you today because I am taking my wealth building masterclass that I have delivered over the past two days, and I am putting it on my podcast. Live for you to eat up all the amazing content that I've been teaching over the past two days.The reason why I'm doing this is because I got such a great response from you.

In this masterclass I had so much great feedback on how it really helped you understand the process to build wealth without restriction and with ease.

Now, before you listen to this masterclass, I want to let you know a very exciting announcement in that is that the doors to my Holistic Money Program, my signature money program opened on January 17th and I will be accepting new students into my program until January 26. The Holistic Money Program is the place where I'm going to work with you for one full year on helping you move through the four financial phases to get to the freedom phase.

I'm going to be covering all the juicy details of my Holistic Money Program in this masterclass. Make sure to listen to the end so you can hear everything that you need to know.

If you already know that this is the program you want to be in this year, to reach your financial freedom goals, then join me.

Go to www.holisticmoneycourse.com to enroll immediately and get started on your financial journey. As soon as today, I can't wait to see you there.

I hope you enjoy this masterclass.

Key highlights

[00:00:00] Introduction to today’s topic: Introduction to the MasterClass

[00:03:25] Whitney’s Journey

[00:04:25] Are you in the right place?

[00:07:01] The process of the MasterClass

[00:08:03] Step 1: Never Budget Again

[00:11:38] What is a Money Map

[00:19:40] Step 2: Determine your 2023 Goals

[00:20:21] The 4 Stages of Wealth Building

[00:31:40] Step 3: Guaranteeing your financial success

[00:39:49] Introduction to the Holistic Money Program

[00:51:13] Q&A about the Holistic Money Program

Enroll in the Holistic Money Program here

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In this podcast, you’ll learn the major difference between budgeting and building wealth because contrary to popular belief, they’re not the same thing!

I’m going over all the ways budgeting can be a limiting experience and exactly what to focus on instead (it’s only 2 things) in order to build wealth.

Enjoy!

Key Highlights

[00:00:00] Introduction to today’s topic: The Major Difference Between Budgeting and Building Wealth

[00:00:58] What building wealth means for me

[00:02:40] What is budgeting?

[00:05:39] What is building wealth?

[00:08:09] Steph Douglas as an expander for me

[00:08:58] The right mindset for building wealth

[00:12:20] What to focus on during wealth building

[00:13:17] Step-by-step path on how much money you’re putting toward your present and future self

[00:14:18] Amount of satisfaction you derive from the money that you put towards your present life versus money towards your future vision

[00:16:18] Building wealth Masterclass on January 17th, 18th and 24th

Notable Quotes

Truthfully, if I'm going to build the life I want for myself, I'm not going to use my past as the guiding principle to establish and create the future that I want for myself; that's a completely different exercise. If I'm going to build the life I want, and I want to be intentional with my money, I'm going to step into the future version of what I want for my life, and I will make decisions from there.
Building wealth gives you freedom because when you have multiple income sources that you can build and maintain, it means that your income is not directly dependent on your current work power, your current energy, or your actions today in this very moment because you have multiple income sources that you've figured out how to work for you and make money on your behalf so that you don't always have to have your direct time making money because your money is making you money.
Here is what I want all of you to know; I want you to know that freedom with money is very, very possible.
I just want you to know that finding your stuff and looking around at people building financial freedom in their lives is incredibly motivational, important, and inspirational to your wealth-building journey because unless your brain thinks it's possible, it's not going to do so it.
It feels really good when you know your ultimate goal is freedom and that you are on the path to getting there.
You got to have a strong enough connection to the vision for your future self that when you're putting money towards that vision, you are deriving pleasure from it today, even though you don't have it yet.
You have to let go of this idea that you need to be budgeting and categorizing expenses and feeling overwhelmed with your money, you got to let all that go, and you got to step into this future vision for yourself.

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In this week’s episode of The Holistic Money Podcast, I am diving into the 4 main money blocks (or disempowered money mindsets) that prevented you from hitting your goals in 2022 and exactly what to do to shift them. You definitely want to leave these blocks behind in 2022.

I guarantee if you are not where you want to be financially, you will see exactly why in this episode.

Listen on Spotify or Apple podcast. Key Highlights

[00:00:01] Welcome to 2023, and details about the Money Mapping Masterclass

[00:04:01] Disempowered money mindset number one: Thinking that building wealth means cutting back.

[00:09:58] Disempowered money mindset number two: You think that you don't have enough money to build wealth.

[00:14:42] Disempowered money mindset number three: You think it's too late for you to build wealth

[00:18:50] Disempowered money mindset number four: You think in order to build wealth, you just need to earn more.

Notable Quotes

Wealth building is not about cutting back; wealth building is actually about having more of what you want in your life. It's about getting clear on your financial priorities and what will help you have more freedom, more ease, and less worry with money, and that is what wealth building is.
Budgeting is not what helps you build wealth; what helps you build wealth is getting clear on what you want more of in your life and learning to be in a relationship with the having of money, with the having of wealth. So it's not an exercise of restriction; it's an exercise of expansion by learning to extract value from the money you have in your bank accounts, not only learning to extract value from the money you spend on stuff.
When the leading thought that you always have in your brain is that, “I don't have enough money.” When your brain is addicted to seeing that as the reality of your life, you will continue to create that as the reality of your life.
To have a relationship with money that isn't dictated by scarcity and fear and not enoughness, you've got to break your addiction to this belief about yourself that you don’t have money. You have to start trying new narratives about money, your ability to earn money, the amount of money you have, and how you care for it.
I believe in human resourcefulness. I believe there are so many different paths to financial independence and financial freedom. Starting to save and invest for your financial future in your early 20s is one way to build wealth and achieve financial freedom, but there are millions of other ways you can do this; it doesn't have to be that specific way.
Getting 1% better every day is what we work towards here at Holistic Money; we work on incremental financial change to get to where you want to go.
If you do notice a little bit of shame about your lifest

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I spend a lot of my time talking with other people about how they should manage their money but today, I’m turning the tables! In this episode, I am going to let you into the intimate details of my financial life, and explain in detail where I plan to focus my time, money and energy in 2023.

I cover a lot in this episode, including the 4 financial phases of wealth building, how to identify which phase you are currently in, and key strategies to move from one phase to the next. Additionally, I will dive into our 2023 money plan, including specific goals and budgeting strategies to help us achieve financial success in the coming year.

Key Highlights

[00:00:50] Reasons why I’m doing this episode

[00:01:52] Context on the different phases I went through on my financial journey to get to where I am today

[00:02:30] Survival Phase

[00:04:24] Foundation Phase

[00:06:13] Growth Phase

[00:08:25] Accelerated Wealth-Building Phase

[00:12:56] An overview of our current financial situation

[00:15:34] Our 2023 money plan

Notable Quotes

If you were to tell me seven years ago that I would be sitting here in front of a microphone, telling the whole world about the intimate details of my financial life, I would probably want to run and hide and crawl under a rock because I had a lot of shame around my finances.
So many people feel like they have to live behind a curtain and hide their finances from other people, which is very harmful to us. That's very harmful because we don't get the help we need when we need it, and we don't get to celebrate our growth when we have it simply because of this stigma around money.
I will tell anyone who is in the survival phase right now the first thing that you want to do is just to figure out how to not live on credit cards every single month.
It's very important to make sure that you are past the survival and the foundation phase before you start to get heavily into investing your money because what can happen if you don't have a strong foundations phase and, let's say, you get laid off, or you have a big emergency. You don't have enough money in your emergency fund; you must start selling off your investments to pay for your living expenses.
If possible, I want to give you a little spark to the freedom phase. It just takes believing it's possible and remembering that more opportunities for more money will not create more problems for you.
When I'm looking at creating a money plan for myself, I always have one main focus: putting my time, energy, and resources behind me.
Allow yourself to identify which financial phase you are in and what you need to do to take the next step to get to the next phase. Allow yourself to exclusively focus on that thing because when you try to take on too many financial goals at one time, you dilute your resources across too many goals, and you don't get very far on any one goal. You never get out of the current phase that you're at.

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Before we get into today’s episode, I want to update you all on all the amazing financial resources I have in store from the Holistic Money Podcast in 2023. I am teaching a money masterclass, Money Mapping, in January, where I will teach you the four steps to make sure 2023 is your best financial year yet. Shortly after that, The Holistic Money Course, my signature program, opens for enrollment. This course teaches you my no-budget philosophy, how to set it up, how to get it automated, and how to change your relationship with managing money, so it stops acting like this thing that you should be doing and just becomes a natural part of your life.

Additionally, you're also going to get one year of weekly money coaching with me. So not only will you have the plan set up, but you'll also have the accountability, the coaching, and the continued financial education over one full year to execute this consistently month-over-month and make great financial decisions.

Now, in today's podcast, I'm going to dive in on my no-budget philosophy. I want to talk with you about how I avoid budgeting altogether, why it's never worked for me and what I do instead, so you have a stronger sense of what I mean when I say my no-budget philosophy. I do not budget, I don't have a spreadsheet that I reconcile at the end of the month, and I don't have budgeting apps. I have a highly-organized, highly-effective automated money plan that reflects the financial future I want for myself, and every account is automatically filled with the exact amount of money I want to spend every month. I am held accountable for my money plan, not the other way around. So please stay tuned and remember to subscribe to the Holistic Money podcast for resourceful podcasts that will guide you to your financial freedom!

Key Highlights

[00:00:01] Updates for 2023

[00:01:14] Introduction to today’s topic: No-budget philosophy

[00:02:45] Why money management is important to your financial future

[00:04:55] Why I ended up creating a money management system

[00:09:34] What is a money map?

[00:09:50] Three different accounts that your money can be: Lifestyle, savings and investment, and the sub-categories

[00:20:33] Why I like to break up my savings accounts among different accounts

[00:25:21] The Free Money Map training

Notable Quotes

I don't have to spend time reconciling budgets or deciding whether cat food goes in the animal or grocery store budgets; I don't think about any of those things. I keep my planning very simple; it's very streamlined, so streamlined that sometimes it can be a bit confronting because there's no hiding from my financial goals.
Without strong money management skills, you will never build that savings account; you will never build that investment account. You will never use your money strategically to create more income for yourself, so you have more freedom.
if you don't have savings and investments, and passive income, you’ll never get to experience any real freedom in your life. You're constan

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In this episode, I am continuing to explore my biggest mindset breakthroughs since I took my net worth from no savings and $40,000 in debt to seven figures in just seven years. By the end of this episode, you will find ways to help you shift the way you think about money, and start to recognize how important that is to your financial journey. Remember, wealth building is 98% mindset and 2% strategy.

Key Highlights

[00:01:32] Mind shift number one: More money is more freedom.

[00:06:01] Mind shift number two: Investing money consistently is equally as important as paying my mortgage.

[00:09:08] Mind shift number three: There is always an opportunity with money, even in a recession.

[00:13:37] Mind shift number four: Spending money isn't nearly as fun as financial freedom.

[00:16:48] Mind shift number five: There are no rules, only nice suggestions.

Notable Quotes

I had a lot of work to do in my relationship with money. I did not grow up around money; I did not grow up in a household where money was fun, expansive, or creative or where there was any kind of freedom with money, I grew up in a household where money was scary and restrictive and based on a lot of fear, so I had a lot of growth to do over the past seven years in my relationship with money.
More money is not more problems; more money is not more grimy, hard work, and less fun; more money is more freedom.
Historically speaking, I can't tell you what will happen in the future. Still, there are about 120 years of evidence from the previous performance of the stock market, and the market is always rebounded.
A financial opportunity is always available to us, and it's just whether or not we're conditioned to look for it.
Now that I am in a much different financial situation, I have much more money that I could spend. I actually don't like to spend nearly as much as I used to, and it is fascinating to see that the more money I have, the less of it I like to spend on stuff.
I have so much less stress in my daily life because of how I think about buying stuff versus freedom, and I like that.
There are a lot of money rules out there, but look, all of those things are just simply nice suggestions. You have to be able to look at your life; you have to be able to look at your potential; you have to decide what you are capable of and go with that and trust yourself even if it means you break some money rules. Refrain from being limited by money rules, so much so that you miss opportunities around you.

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What is your mindset about wealth? Are you amongst the many people with unreal limitations and barriers to money?

Money is simple and is never a problem. So, what do you think about money?

"One of the most interesting problems we are solving as humans is how to most efficiently and effectively use our scarce resources?"

There is no shortage of information to tell you what to do with money, but teaching you how to think and feel about money even when you are wealthy is essential. And that is the secret source of this episode.

Indeed, wealth is about your mindset; in this episode, you will understand how to actualize the secret sauce!

Key highlights

[1:01] Background of Whitney's wealthy mindset

[4:04] Mindset Shift 1: If she/he/they can do it, so can I

[6:41] Mindset Shift 2: Money is never a problem

[08:28] Mindset Shift 3: There are no dumb money questions

[10:29] Mindset Shift 4: Indecision is where dreams go to die

[12:10] Mindset Shift 5: Where I focus my time and energy with money matters

[16:01] What matters?

Notable Quotes

Have a mindset shift that says, if someone can do it, you also can.
The truth of life is shit happens, and life happens. So, always remain positive in your belief about money.
Indecision is where dreams go to die.
Financial freedom is fun. Essential Money Management helps to focus on high-value thought cycles with money.

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“You want to get 1% better every single day and the only way you get to do that is if you drop the judgment and you allow [Money] to be not only a financial growth exercise, but also a personal growth exercise.”

“I should be further along”

“My finances are a mess”

“I don’t have enough money”

Sound familiar?

If so, you aren’t alone. You are one of the many people that experience judgment and shame around money. Judgment and shame thoughts with money are tricky because we believe we need to shame and judge ourselves in order to do it differently next time. But these thoughts elicit quite the contrary and are actually one of the main blockers in your financial journey.

In this episode, you will learn how to move the shame and judgment you have around your finances. You’ll learn why you are at the perfect point in your financial journey and learn how to redirect the time you spent judging yourself into something more nourishing and beneficial for your growth and financial future.

Key highlights

[00:00:03] Introduction to today’s topic: Money and judgment

[00:04:24] How to process shame and judgment with money

[00:07:48] A new way to think about your money

Notable Quotes

The reason why I love going to these Enneagram knights is just because I really get to learn so much about other people without the judgment of needing to be like them or be different from them, that I traditionally will experience
When we have a lot of judgment around ourselves with money, it really blocks us from getting to know our money better, it blocks us from getting to know ourselves better.
Your judgmental voice around your current financial situation or your past financial decisions is what prevents you from actually really getting to know them, understanding them at a deeper level, having compassion and respect for them and then learning and growing from them and making new decisions moving forward. All it does is it makes you not want to be in a relationship with your money, it just makes you want to avoid your money and put it on the backburner.
What shame and judgment does is it locks you from really seeing where you are.
Another thing that really happens with judgment is it really prevents it prevents you from getting to know yourself better,
I really believe that removing judgment and shame around your finances is really just an exercise in loving yourself more deeply. And I also believe that when you love yourself more deeply, your net worth goes up.
That's what I really try to help my clients do as it relates to their money, is to break through those judgment and shame narratives, so that they can see what's actually behind that.
Every financial decision that you made in the past is perfect. Your starting point today is the perfect place to be because it's where you are, and anytime you spend arguing with that you are wasting time.
The mindset you want to build your financial future on is unconditional love, your commitment to personal growth, your commitment to financial growth, and getting better as a person and really starting to understand what you actually need, and how can you take care of

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“I genuinely believe money is so much more than just numbers in your bank account, it's also the way that you relate to those numbers in your bank account, the way that you relate to money, the way that you relate to yourself.”

When I first talk with my clients about money mindset or their relationship with money, most of them have no idea what I am talking about. Most of us aren’t even aware we have a money mindset or a relationship with money. Instead we simply believe the world works in a very specific way with money.

You may believe that making money is hard. You don’t have enough money. Rich people are tacky. It’s rude to talk about money. The list goes on.

Depending on who you are, which generation you were born, where you were raised and by whom you will likely have different thoughts about money, how it should be used, and what is “right” and what is “wrong” in all aspects of money. Most of your foundational beliefs about money and wealth were developed at a young age, however, they are continuously being shaped over time through your experiences.

In the first ever Holistic Money Podcast Episode, you are going to learn what money beliefs are, how to identify your personal money beliefs and how these beliefs are creating your results. Enjoy!

Key highlights

[00:00:00] Introduction to The Holistic Money Podcast and how it came to be

[00:01:48] How childhood shapes your money mindset

[00:02:49] Lessons we’ll get from the Holistic Money Podcast

[00:04:05] Today’s topic: Money Mindset

[00:13:08] Whitney’s advice to clients

Notable Quotes

So it's not that I didn't know much about money for a long time, but I was helping people with their money for a long time when in reality, in the background, my finances were a mess.
I felt like a fraud. Even though I knew a lot and could help people with money, I just felt like a fraud because I wasn't practicing what I was preaching.
That's the genesis for my business: I believe money is not just about numbers in your bank accounts; it's not just about retirement calculators and investment returns; money is also an avenue for personal and spiritual growth. It is a way to understand yourself, know yourself more deeply, love yourself, and grow in your life.
Money is so much more than just numbers in your bank account; it's also how you relate to those numbers in your bank account, how you relate to money, and how you relate to yourself.
The ripple effect of the growth that you're going to experience with money will extend much further than your net worth or the amount of money you have in your bank accounts. It will impact your whole life, relationships, sense of security, and confidence.
Your money mindset is the narratives running through your head; it's the stories that you tell yourself, the predictions for your future, and the way that you think about your past. All of that makes up your money mindset.
Your money mindset was also developed from your experiences with money and your family and how your family talked about money and engaged with money. It informs the way that you think and feel about money today.
I

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Learn more about our signature Program: Holistic Money Program

Connect with Whitney:

Instagram: @holistic.money

Email: Info@holistic-money.com

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