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Make Money Your Bestfriend · Divas That Care Network

• 0:00
  SPEAKER_00: It's Divas That Care Radio.
• 0:02
  SPEAKER_00: Stories, strategies, and ideas to inspire positive change.
• 0:06
  SPEAKER_00: Welcome to Divas That Care, a network of women committed to making our world a better place for everyone.
• 0:13
  SPEAKER_00: This is a global movement for women, by women, engaged in a collaborative effort to create a better world for future generations.
• 0:21
  SPEAKER_00: To find out more about the movement, visit DivasThatCare.com after the show.
• 0:25
  SPEAKER_00: Right now, though, stay tuned for another jolt of inspiration.
• 0:31
  SPEAKER_01: One just has to pick up a magazine or turn on a television to see that we as women are bombarded daily with media images of female physical perfection, leaving us with the most unrealistic of expectations as to how we should look.
• 0:47
  SPEAKER_01: No wonder female body confidence is falling while incidents of eating disorders are on the rise.
• 0:53
  SPEAKER_01: What's most alarming is the way this affects young girls.
• 0:55
  SPEAKER_01: A reduced sense of self-worth can create anxiety, stress, even depression, causing relationship issues Thank you.
• 1:22
  SPEAKER_01: I, Tina Spoletini, a woman of substance, insist women deserve to be happy, confident, successful, not to mention so totally in love with themselves and their own bodies just the way they are.
• 1:33
  SPEAKER_01: Through an ongoing series of intriguing conversations with women from all walks of life who are all extraordinary in their own right, I will take us on a journey of ultimate self-acceptance and empowerment.
• 1:45
  SPEAKER_01: Together we'll share the stories, laugh, learn, maybe even shed a few tears when you realize how far many women have come to realize just how wonderful life is when you stand in your own power, feeling fantastic in your own
• 1:59
  SPEAKER_02: skin.
• 2:00
  SPEAKER_01: Today I'm speaking with Linda Lingo.
• 2:03
  SPEAKER_01: Linda is an authority on women building wealth.
• 2:06
  SPEAKER_01: Her successful 35-year career in corporate America and her 10 years as a financial advisor have given her practical experience, radical knowledge, and a deep understanding of the best ways to manage money for the modern-day woman.
• 2:21
  SPEAKER_01: Women work with Linda to discover how to become a master at their finances, build their wealth, and make an even bigger impact in the world.
• 2:29
  SPEAKER_01: Linda's mission is to empower women with smart strategies for a successful, stress-free approach to money.
• 2:35
  SPEAKER_01: Through inspiration and education, Linda guides women into clarity and confidence in their finances so they can live the life they desire.
• 2:44
  SPEAKER_01: Welcome, Linda.
• 2:45
  SPEAKER_01: Thank you, Tina.
• 2:47
  SPEAKER_01: Now, did you notice I have the word confidence?
• 2:50
  SPEAKER_01: in my mission statement.
• 2:53
  SPEAKER_01: I did.
• 2:54
  SPEAKER_01: I inspire and guide women, yeah.
• 2:57
  SPEAKER_01: Yeah, I love that.
• 2:58
  SPEAKER_01: I love why you're such a great fit here on the show.
• 3:02
  SPEAKER_01: Thank you.
• 3:04
  SPEAKER_01: Thank you for having me.
• 3:05
  SPEAKER_01: So, Linda, why don't you tell us a little bit more about yourself?
• 3:10
  SPEAKER_01: Oh, my.
• 3:10
  SPEAKER_01: Well, I have lots of experience, which means I have lots of years on me.
• 3:15
  SPEAKER_01: If you could see me, you'd know by my gray hair, which I own.
• 3:19
  SPEAKER_01: and I'm very confident in wearing.
• 3:22
  SPEAKER_01: So I started out as a CPA way back when, and I became a corporate controller for a Fortune 500 company and then went on to be a financial advisor.
• 3:34
  SPEAKER_01: So I worked with women and couples and helped them invest their money.
• 3:40
  SPEAKER_01: But what I found out was women want more education, especially when it comes to money, because they lack confidence.
• 3:48
  SPEAKER_01: and how to manage it.
• 3:49
  SPEAKER_01: And so that's when I pivoted to a financial life coach.
• 3:54
  SPEAKER_01: So I don't do investing anymore.
• 3:57
  SPEAKER_01: What I do do is educate women and help them gain confidence, help them develop really a great relationship with money so that they know how to manage it, and use it for their best interest, for their family, for their community, and I feel ultimately women are who are going to change this world for the better.
• 4:22
  SPEAKER_01: Yes, I would like to think that too.
• 4:28
  SPEAKER_01: Not to put men down.
• 4:30
  SPEAKER_01: No, no.
• 4:31
  SPEAKER_01: Men got us to where we are, so I would not want to put any men down to allow women to be empowered.
• 4:42
  SPEAKER_01: So you obviously finished high school with the intention of being a CPA.
• 4:51
  SPEAKER_01: Well, actually, my first goal was to be an attorney.
• 4:56
  SPEAKER_01: I really wanted to be– I wanted to make a difference in the world.
• 5:01
  SPEAKER_01: I am– I don't know if you're familiar with Enneagram types, but I'm a type 1, a perfectionist, and Achiever is my close second.
• 5:08
  SPEAKER_01: So– I wanted to set the world on fire by making social change.
• 5:14
  SPEAKER_01: And the way I was going to do that was being an attorney.
• 5:17
  SPEAKER_01: Unfortunately, in college, back in the 70s, you not only graduated with your BA, but you also graduated with a Mrs.
• 5:27
  SPEAKER_01: degree.
• 5:28
  SPEAKER_01: And so I got married, and I married a man who wanted to go to law school too.
• 5:33
  SPEAKER_01: And so, you know, being...
• 5:35
  SPEAKER_01: A woman of the 70s, I said, oh, sure, you can do that, honey, and I'll do something else.
• 5:40
  SPEAKER_01: And that's when I pursued being a CPA.
• 5:44
  SPEAKER_01: I had my business degree already.
• 5:45
  SPEAKER_01: So it was actually my second choice, but it was the best thing I ever did because it opened so many doors for me and really led me on a path to getting my MBA in finance so then I could go either as a CPA or the financial road.
• 6:01
  SPEAKER_01: And I found that finance actually was more in alignment with me and my values and my personality.
• 6:08
  SPEAKER_01: I love that.
• 6:12
  SPEAKER_01: And that, yeah, and I mean, you know, accountants and lawyers have the ability of being boring, but I know through talking with you, you don't sound boring at all.
• 6:24
  SPEAKER_01: You always have so much energy in your voice, and I don't know, you seem to carry a lot of, like, high-energy vibes.
• 6:33
  SPEAKER_01: Thank you.
• 6:34
  SPEAKER_01: You know, and that has come through working on my own personal confidence.
• 6:39
  SPEAKER_01: I'm a lifelong learner, and I am a firm believer that learning You know, our confidence comes from within.
• 6:48
  SPEAKER_01: That's my belief.
• 6:50
  SPEAKER_01: And so working on my self-worth which actually starts, I believe, with loving yourself.
• 6:58
  SPEAKER_01: And it's not always easy to do, and we're not always brought up to do that, actually.
• 7:03
  SPEAKER_01: I was brought up, you know, that that was vain, that that was very self-centered, and you just didn't do that.
• 7:10
  SPEAKER_01: Through the years, I've learned that isn't, in fact, the case, at least for me, and I've learned to love myself as I am.
• 7:17
  SPEAKER_01: And I think that, you know, physically, emotionally, mentally, spiritually, it's, you know, and I think that, for me, that was the starting point, learning to love myself, believe in myself, trust in myself, trust in my intuition, because I think the more we listen to our inner guidance, which I think is spirit-led, that we develop even more confidence.
• 7:44
  SPEAKER_01: And I am a high-energy person.
• 7:47
  SPEAKER_01: I'm a high-energy person because I love myself and I believe in myself and I feel very guided.
• 7:54
  SPEAKER_01: I love that.
• 7:56
  SPEAKER_01: And how are you going to change the world if you can't be happy with who you are?
• 8:00
  SPEAKER_01: Right?
• 8:01
  SPEAKER_01: Exactly.
• 8:01
  SPEAKER_01: You have to change yourself first.
• 8:03
  SPEAKER_01: Right?
• 8:03
  SPEAKER_01: Absolutely.
• 8:04
  SPEAKER_01: I love that.
• 8:07
  SPEAKER_01: You explained that self-love so like, it was so like authentic.
• 8:13
  SPEAKER_01: Right?
• 8:14
  SPEAKER_01: Like authentic.
• 8:15
  SPEAKER_01: And it starts with us, right?
• 8:17
  SPEAKER_01: If I don't love me, number one, I can't let anybody love me for who I am, and I won't be able to love them back because I don't really know what love is.
• 8:28
  SPEAKER_01: Right.
• 8:29
  SPEAKER_01: Right.
• 8:30
  SPEAKER_01: So true.
• 8:31
  SPEAKER_01: And so when you are working with– sorry.
• 8:35
  SPEAKER_01: No, no, no, go ahead.
• 8:38
  SPEAKER_01: Okay, so when you're working with women, do you find that that's kind of where you have to start?
• 8:44
  SPEAKER_01: is like what is your relationship with yourself?
• 8:48
  SPEAKER_01: Oh, absolutely.
• 8:49
  SPEAKER_01: It's with yourself.
• 8:50
  SPEAKER_01: And then it's working with their money mindset.
• 8:57
  SPEAKER_01: And so this is formed when we're very young.
• 8:59
  SPEAKER_01: I mean, as young as four, five, six years old.
• 9:02
  SPEAKER_01: And, you know, nothing against our parents.
• 9:05
  SPEAKER_01: I believe our parents do the best that they can, that they know how at the time that they're raising, you know, children.
• 9:12
  SPEAKER_01: But Our money mindset is actually formed very young, and it is that original relationship to money that actually gets transferred when we're adults to how we manage our money.
• 9:28
  SPEAKER_01: So I actually take my clients back to visualization exercises and journaling on what was money like in the family?
• 9:40
  SPEAKER_01: Did they have a lot?
• 9:42
  SPEAKER_01: Was it scarce?
• 9:43
  SPEAKER_01: You know, did their dad get a paycheck?
• 9:45
  SPEAKER_01: And then their mom went out and bought groceries and everything she could because she knew she wouldn't get another paycheck for another probably two weeks.
• 9:53
  SPEAKER_01: You know, so was it, you know, a splurge and then nothing?
• 9:58
  SPEAKER_01: So, you know, it just depends on how you're brought up.
• 10:01
  SPEAKER_01: I personally, we were not wealthy.
• 10:04
  SPEAKER_01: I was the oldest of five, brought up on a farm in the Midwest.
• 10:08
  SPEAKER_01: And we were taught that work is hard.
• 10:13
  SPEAKER_01: That had a whole set of implications for me, that you have to earn your money before you spend it, which is a blessing, and that you don't earn more than what you need.
• 10:32
  SPEAKER_01: which actually capped my earnings for many years until I realized that money story wasn't serving me.
• 10:39
  SPEAKER_01: So those are my personal money stories of them.
• 10:41
  SPEAKER_01: I didn't even realize it.
• 10:43
  SPEAKER_01: They're subconscious.
• 10:45
  SPEAKER_01: They're embedded in your subconscious, and you're not even aware of them until you start probing and actually looking at, oh, what is causing this?
• 10:57
  SPEAKER_01: And I walk you back through some of your childhood memories And it's only when you recognize what is causing the way you have the relationship with money, only then can you start building a new and better relationship with money.
• 11:20
  SPEAKER_01: And that's actually in the brain.
• 11:22
  SPEAKER_01: That's actually creating new neural pathways, new trails, if you would, in your brain.
• 11:30
  SPEAKER_01: So, yes, so that's where I start is with the individual.
• 11:34
  SPEAKER_01: And it's a very subconscious money mindset.
• 11:39
  SPEAKER_01: And then we work from there.
• 11:40
  SPEAKER_01: We go on to values, which I'm a huge believer in.
• 11:44
  SPEAKER_01: Our values impact our purpose, our priorities, and our pursuits.
• 11:52
  SPEAKER_01: I love that.
• 11:52
  SPEAKER_01: And so you kind of, you must have like a program that says, you know, like you start at one and it's one step after another then.
• 12:01
  SPEAKER_01: Right.
• 12:02
  SPEAKER_01: I call it the V-I-I-P process for building wealth.
• 12:06
  SPEAKER_01: It's what I've developed.
• 12:07
  SPEAKER_01: So we start with values and money mindset.
• 12:10
  SPEAKER_01: Then we move to an intentional money spending and saving plan.
• 12:14
  SPEAKER_01: I personally, the word budget, sorry, it makes my skin crawl.
• 12:19
  SPEAKER_01: It's deprivation at its finest.
• 12:22
  SPEAKER_01: So I go from the other side and I say, you know, Let's develop something that's intentional, that's in alignment with your values, and that brings you joy.
• 12:32
  SPEAKER_01: And I help my clients set up not only a spending plan, but a saving plan, because I do think you can save your way out of debt if that's where you're at.
• 12:42
  SPEAKER_01: So we work on that, and then we work on investment.
• 12:44
  SPEAKER_01: So That's the second I.
• 12:46
  SPEAKER_01: Educating them.
• 12:48
  SPEAKER_01: I don't do the investing, but I educate them so that they can either do their own investing or work with a financial advisor and have the confidence to ask questions that help them make decisions that are in alignment with their values.
• 13:03
  SPEAKER_01: And then the P is...
• 13:04
  SPEAKER_01: is for protecting what you've earned and planning for the future.
• 13:10
  SPEAKER_01: So that's my full process that I take my clients through.
• 13:15
  SPEAKER_01: I love that.
• 13:18
  SPEAKER_01: And so are your clients mainly then like young parents, or are they closer to retirement?
• 13:28
  SPEAKER_01: Great question.
• 13:29
  SPEAKER_01: Thanks, Tina.
• 13:30
  SPEAKER_01: So my ideal...
• 13:33
  SPEAKER_01: Clients are women.
• 13:34
  SPEAKER_01: I only coach women.
• 13:35
  SPEAKER_01: That's where I'm at.
• 13:37
  SPEAKER_01: And they're typically in their 50s and 60s.
• 13:41
  SPEAKER_01: They've usually gone through a life event.
• 13:43
  SPEAKER_01: And I know that encompasses a lot, but it could be anything from going through a divorce.
• 13:47
  SPEAKER_01: Maybe they're empty nesters for the first time.
• 13:50
  SPEAKER_01: Their kids are off to college.
• 13:52
  SPEAKER_01: Maybe they're doing a career change.
• 13:54
  SPEAKER_01: It's very common at 50 to make a career change.
• 13:57
  SPEAKER_01: or they're widows, or they might be caregivers.
• 14:01
  SPEAKER_01: You know, we're the sandwich generation.
• 14:03
  SPEAKER_01: We're taking care of kids, or grandkids, and our parents.
• 14:07
  SPEAKER_01: They've gone through a life transition, and that is usually what triggers them to realize they've got to get right with their money.
• 14:15
  SPEAKER_01: They've either got to have a better relationship, or they've got to kick savings for retirement into high gear.
• 14:22
  SPEAKER_01: Or if they're in their early 60s, they're thinking about retirement.
• 14:27
  SPEAKER_01: I'm actually doing a master class starting in October, October 12th, and it's all about helping women transition, transition from a career, whether that's a solopreneur, entrepreneur, or corporate woman, whatever career you've had.
• 14:43
  SPEAKER_01: How to transition?
• 14:44
  SPEAKER_01: What does it look like to transition from that into retirement?
• 14:47
  SPEAKER_01: Because the number one fear is, women have about money is they want safety and they are afraid they're going to outlive their money in retirement.
• 15:05
  SPEAKER_01: I work through those issues.
• 15:08
  SPEAKER_01: We're going to do a master class.
• 15:09
  SPEAKER_01: There will be 20 of us.
• 15:12
  SPEAKER_01: We're going to work through the social and emotional aspects of what does it look like to retire?
• 15:17
  SPEAKER_01: Do you stop cold turkey?
• 15:19
  SPEAKER_01: Do you transition?
• 15:20
  SPEAKER_01: What are your options?
• 15:22
  SPEAKER_01: We're going to talk about the financial aspects.
• 15:24
  SPEAKER_01: We're going to talk about everything like, you know, where do you want to retire?
• 15:29
  SPEAKER_01: What does that look like?
• 15:30
  SPEAKER_01: What kind of, you know, income do you need to support that?
• 15:32
  SPEAKER_01: We'll talk about Social Security.
• 15:34
  SPEAKER_01: We've got to address that.
• 15:35
  SPEAKER_01: Medicare.
• 15:35
  SPEAKER_01: You know, all of the topics that impact our retirement so that women aren't afraid to dream.
• 15:43
  SPEAKER_01: You know, that's another area.
• 15:46
  SPEAKER_01: I'm going off on a tangent.
• 15:47
  SPEAKER_01: Sorry, Tina.
• 15:48
  UNKNOWN: Okay.
• 15:49
  SPEAKER_01: But it's good.
• 15:49
  SPEAKER_01: I want you to continue.
• 15:51
  SPEAKER_01: Because women, I mean, like you said, women are dreamers, right?
• 15:55
  SPEAKER_01: Well, we should be.
• 15:56
  SPEAKER_01: But unfortunately, once again, I think our society shuts us down when it comes to dreaming.
• 16:01
  SPEAKER_01: And I've learned that it's okay to dream and it's okay to have desires.
• 16:08
  SPEAKER_01: You know, we have that intuition.
• 16:11
  SPEAKER_01: And knowing what our desires are really helps us define what our purpose is and what our pursuits are going to be.
• 16:21
  SPEAKER_01: And, I mean, for some of us, it's being a full-time mom.
• 16:25
  SPEAKER_01: I was a full-time mom for seven years.
• 16:28
  SPEAKER_01: Loved it.
• 16:29
  SPEAKER_01: Absolutely loved it.
• 16:30
  SPEAKER_01: I had my kids later in life.
• 16:33
  SPEAKER_01: I've been a career woman.
• 16:34
  SPEAKER_01: Loved it.
• 16:35
  SPEAKER_01: But I think our purpose is higher than that.
• 16:38
  SPEAKER_01: I think more than what we do, it's who we are.
• 16:42
  SPEAKER_01: And it's taken me a while to get to that point.
• 16:47
  SPEAKER_01: And so do you think that, I like how you said that, do you think that that comes after all that experience?
• 16:55
  SPEAKER_01: Like I was a stay-at-home mom myself and I loved every minute of it.
• 16:59
  SPEAKER_01: I wouldn't trade it for the world.
• 17:01
  SPEAKER_01: And even though I, you know, there were days where, you know, it wasn't my favorite thing to be doing.
• 17:06
  SPEAKER_01: You know, I wanted to be, you know, probably at work or something.
• 17:09
  SPEAKER_01: But I still loved it, right?
• 17:11
  SPEAKER_01: And to this day, my youngest is 16 and he's pretty independent.
• 17:15
  SPEAKER_01: But to this day, I don't regret one day of it.
• 17:19
  SPEAKER_01: You know, when I see when my kids come home now, they're very open with me, very comfortable with me.
• 17:25
  SPEAKER_01: And I know that that's partly because I was home with them all the time.
• 17:29
  SPEAKER_01: They knew they could always rely on me.
• 17:32
  SPEAKER_01: So true, so true.
• 17:35
  SPEAKER_01: And that's not putting moms under the bus who work at all, because I was also a working mom.
• 17:44
  SPEAKER_01: I've been on both sides of that street.
• 17:48
  SPEAKER_01: But, yeah, it was.
• 17:50
  SPEAKER_01: It was great.
• 17:52
  SPEAKER_01: And you're right.
• 17:52
  SPEAKER_01: I have a very close relationship with my daughter, I think, because of that.
• 17:58
  SPEAKER_01: Right, and I mean, I know lots of women who chose to go to work, and their kids are still just as open and comfortable with them as they are with me, right?
• 18:08
  SPEAKER_01: But I know my personality, when I give, I give it all to one.
• 18:13
  SPEAKER_01: I can't multitask, I guess is how you would say it, right?
• 18:17
  SPEAKER_01: I'm either working or I'm not, right?
• 18:20
  SPEAKER_01: And so I find that if I would have went to work when my kids were younger, I wouldn't have been able to give them the attention that I did.
• 18:27
  SPEAKER_01: And I know that, right?
• 18:28
  SPEAKER_01: But I think also, too, you know, as I got older, I saw myself that way.
• 18:35
  SPEAKER_01: I was older, too, when I had my kids, right?
• 18:37
  SPEAKER_01: I was already in my 30s.
• 18:38
  SPEAKER_01: And so, you know, when I look back at when I was in my 20s, I'm like, would I have been the same parent as I was in my 30s?
• 18:47
  SPEAKER_01: Because I had already done, you know, that career type life, right?
• 18:52
  SPEAKER_01: And I knew that this was now my passion.
• 18:55
  SPEAKER_01: I wanted to put all my energy into my
• 18:58
  SPEAKER_02: kids.
• 18:59
  SPEAKER_01: And so I'm just wondering if that's how we learn when we decide who we really are.
• 19:05
  SPEAKER_01: Is it after we've done all that stuff or is it during or is it before?
• 19:12
  SPEAKER_01: I'm sure when you talk with your clients, you must see sort of a trend or a pattern change.
• 19:22
  SPEAKER_01: I would say it really depends on the woman because it depends on how self-aware she is, how in tune she is with who she is.
• 19:33
  SPEAKER_01: And I do think the more life experience we have...
• 19:42
  SPEAKER_01: Well, I've seen this in my clients and for me personally.
• 19:44
  SPEAKER_01: I would say the more life experience we have, we realize it's not...
• 19:51
  SPEAKER_01: what we're getting, but what we're giving.
• 19:56
  SPEAKER_01: And that really serves a higher purpose.
• 20:01
  SPEAKER_01: And I think, I was going to say the older we are, we think we can serve more, but I'm going to retract that.
• 20:09
  SPEAKER_01: I think we can serve at any age, any level, small or big.
• 20:12
  SPEAKER_01: It doesn't have to be something huge.
• 20:14
  SPEAKER_01: But I do think our life experiences obviously impact that.
• 20:20
  SPEAKER_01: For instance, I went through a divorce at the age after being married for 40 years.
• 20:26
  SPEAKER_01: And it was traumatic.
• 20:29
  SPEAKER_01: And was that an experience I anticipated having?
• 20:33
  SPEAKER_01: No.
• 20:35
  SPEAKER_01: But having gone through it and grown tremendously as a result of it, I am now able to emphasize and work with women who have gone through a divorce and really understand that You know, where emotionally and financially the impacts of divorce can have and I'm better able to serve them.
• 21:00
  SPEAKER_01: Could I have done that before I went through the divorce?
• 21:02
  SPEAKER_01: Not nearly as well.
• 21:03
  SPEAKER_01: I could have tried, but, you know, you haven't walked in their shoes, so to speak.
• 21:08
  SPEAKER_01: I was in an abusive marriage.
• 21:10
  SPEAKER_01: You know, as a result of that, I can empathize with women who are going through abuse.
• 21:16
  SPEAKER_01: There's a lot of different kinds of abuse.
• 21:18
  SPEAKER_01: I don't want to get into that right now, but...
• 21:21
  SPEAKER_01: Same thing.
• 21:23
  SPEAKER_01: You have more life experiences, and the more life experiences you have, the more empathetic you can be, the more open.
• 21:34
  SPEAKER_01: I think you have to heal your own wounds before you can really work with others that are going through what you've been through.
• 21:44
  SPEAKER_01: And so that's one reason why, I mean, I'm semi-retired.
• 21:47
  SPEAKER_01: I love what I do.
• 21:48
  SPEAKER_01: I work with a selective few clients.
• 21:50
  SPEAKER_01: I love doing the master classes because I can work with more than one at a time.
• 21:55
  SPEAKER_01: But it's an opportunity for me to share, what does it look like transitioning into retirement?
• 22:03
  SPEAKER_01: Because that is an area so many of us will experience, number one.
• 22:07
  SPEAKER_01: Number two, 50% of women 65 and older are single, right?
• 22:12
  SPEAKER_01: whether it's because of divorce, widowed, or never married, which is where I'm at right now.
• 22:19
  SPEAKER_01: So it's definitely another place in life that a lot of women are at that I can help them, that I can serve them.
• 22:29
  SPEAKER_01: And so my outlook on life has definitely changed over the years.
• 22:35
  SPEAKER_01: From one of, you know, what am I getting out of life, to what can I give?
• 22:42
  SPEAKER_01: What can I give back?
• 22:43
  SPEAKER_01: How can I give back?
• 22:44
  SPEAKER_01: How can I serve?
• 22:45
  SPEAKER_01: And that's really where I'm at right now.
• 22:47
  SPEAKER_01: And, you know, I think it's purpose-driven.
• 22:51
  SPEAKER_01: And once again, it's intuition and it's a higher power and it's being open.
• 22:55
  SPEAKER_01: And, like, what started all this was dreams and desires.
• 22:59
  SPEAKER_01: And I think, you know, when our desires are in alignment with our serving and, you know, and it just puts us in that positive energy.
• 23:12
  SPEAKER_01: I think that's why I'm so guided.
• 23:13
  SPEAKER_01: I think that's why I am in such a positive space.
• 23:18
  SPEAKER_01: And along those lines, I wanted to share a book which really helped me.
• 23:24
  SPEAKER_01: It's a Louise Hay book.
• 23:26
  SPEAKER_01: I love Louise Hay.
• 23:27
  SPEAKER_01: You may or may not, but in the name of this particular book, she's written many, is Mirror Work, M-I-R-R-O-R-W-O-R-K.
• 23:36
  SPEAKER_01: And it's a book that I've been 21 Days to Heal Your Life.
• 23:39
  SPEAKER_01: And this is where she talks about loving yourself.
• 23:41
  SPEAKER_01: And she takes you through a different exercise every day to release your inner critic and to love yourself.
• 23:48
  SPEAKER_01: So if any of your listeners out there want just a real practical, you know, it has nothing to do with finance or money, right?
• 23:59
  SPEAKER_01: But everything to do with loving yourself.
• 24:02
  SPEAKER_01: If you want practical guidance on money, then you can go over and see my many blogs on lindalingo.com.
• 24:11
  SPEAKER_01: I love that.
• 24:11
  SPEAKER_01: You know, it's funny that, you know, like our conversation when it started, it starts with loving yourself, right?
• 24:19
  SPEAKER_01: Because that affects every relationship that you have, whether it's with food, like other people, or, you know...
• 24:28
  SPEAKER_01: obviously your money, right?
• 24:30
  SPEAKER_01: It all comes down to how you love yourself.
• 24:34
  SPEAKER_01: And it's really difficult for women today.
• 24:37
  SPEAKER_01: I mean, I think, I find that the, you know, the women in their 30s and younger, they understand the concept a lot better than I would have at that age.
• 24:48
  SPEAKER_01: Right.
• 24:48
  SPEAKER_01: I mean, at that age, I was like, you know, I'm like in the middle of, you know, parenting and I had twins.
• 24:54
  SPEAKER_01: So I was like, there is no time for loving myself right now.
• 25:01
  SPEAKER_01: Right.
• 25:03
  SPEAKER_01: Yeah.
• 25:05
  SPEAKER_01: Somehow, some way, right?
• 25:07
  SPEAKER_01: Without, you know, destroying my kids.
• 25:09
  SPEAKER_01: I mean, you know, they had their quiet time and I took mine.
• 25:13
  SPEAKER_01: And, you know, and I think that's kind of, when I look back at that, I go, so I was doing that to some degree.
• 25:20
  SPEAKER_01: Maybe not, you know, where I was journaling or whatever, but, you know, I was doing that.
• 25:25
  SPEAKER_01: And I was teaching them the same thing.
• 25:28
  SPEAKER_01: You know, when you get over, you know, you know, we all get that, like, overstimulation, right?
• 25:34
  SPEAKER_01: Then that's your time to sit back and go, what am I doing, right?
• 25:39
  SPEAKER_01: And that's how I taught my kids, right?
• 25:41
  SPEAKER_01: But I didn't look at it as, oh, I'm giving myself some love right now, right?
• 25:45
  SPEAKER_01: I looked at it as I need a break.
• 25:48
  SPEAKER_01: Yes.
• 25:50
  SPEAKER_01: Right?
• 25:51
  SPEAKER_01: Right, absolutely.
• 25:53
  SPEAKER_01: Yeah, like, yeah, exactly.
• 25:54
  SPEAKER_01: And so when I look back at that, I think, like, we learn as we get older what we need, right?
• 26:01
  SPEAKER_01: And my grandma used to say this all the time.
• 26:04
  SPEAKER_01: The older we get, the wiser we get.
• 26:10
  SPEAKER_01: As a teenager, I used to think, oh, come on, right?
• 26:12
  SPEAKER_01: Because teenagers know everything, right?
• 26:15
  SPEAKER_01: There's no way I would, you know.
• 26:16
  SPEAKER_01: I used to think, like, what more can I learn, right?
• 26:20
  SPEAKER_01: I'm living in the life right now.
• 26:22
  SPEAKER_01: But, you know, now in my 50s, I can go, holy cow, I knew absolutely nothing.
• 26:27
  SPEAKER_01: You know, my grandma was, like, right on par.
• 26:32
  SPEAKER_01: You know, and I noticed that.
• 26:33
  SPEAKER_01: Like, yeah, like when I talk to my kids and they're in their early 20s, I think, okay, so...
• 26:39
  SPEAKER_01: you guys think you know what's going on, but do you see this?
• 26:43
  SPEAKER_01: Do you see that?
• 26:44
  SPEAKER_01: Right?
• 26:45
  SPEAKER_01: And, I mean, that's a conversation we have with money, with relationships of any kind.
• 26:51
  SPEAKER_01: You know, and sometimes they look at me like, Mom, what are you talking about?
• 26:55
  SPEAKER_01: And I'm like, yeah, that's my point.
• 26:56
  SPEAKER_01: You don't understand, right?
• 26:59
  SPEAKER_01: But I love how it always comes back to that self-love.
• 27:04
  SPEAKER_01: We need to get women on that page.
• 27:07
  UNKNOWN: Yeah.
• 27:07
  SPEAKER_01: Yeah, absolutely.
• 27:09
  SPEAKER_01: Go ahead.
• 27:11
  SPEAKER_01: No, you go ahead.
• 27:12
  SPEAKER_01: This is about you.
• 27:14
  SPEAKER_01: Well, I was just going to say, I think it's fascinating, and there have been studies that show that the way we treat food is the way we treat our money.
• 27:28
  SPEAKER_01: So if you are in a space of deprivation, scarcity...
• 27:36
  SPEAKER_01: you're probably abusing food and you're probably not managing your money well.
• 27:44
  SPEAKER_01: It's only when we can get to that place of self-acceptance, self-love, and a place of gratitude, gratitude creates abundance and happiness, when we can appreciate what we have, even if it's very little, appreciate what we have, then we can start to have a better relationship with both food and money.
• 28:17
  SPEAKER_01: Yeah, I have to agree.
• 28:19
  SPEAKER_01: I have to agree.
• 28:20
  SPEAKER_01: Now, not just saying I am so thankful that I have this.
• 28:25
  SPEAKER_01: I mean, that's where it starts.
• 28:27
  SPEAKER_01: But there's more to it than that.
• 28:28
  SPEAKER_01: Do you believe that?
• 28:30
  SPEAKER_01: Oh, right.
• 28:31
  SPEAKER_01: But that's the starting point.
• 28:34
  SPEAKER_01: Right, right.
• 28:35
  SPEAKER_01: Right.
• 28:37
  SPEAKER_01: So, yeah, so it's like, okay, I don't have a lot, but what I do have, I am so grateful for it.
• 28:42
  SPEAKER_01: And it's not like, I mean, I think a lot of times it starts with just saying that to yourself, but I think you need to really feel like appreciative of having the little bit that you have, right?
• 28:55
  SPEAKER_01: If you've got$20 to last you to the end of the week, be thankful that you have that$20.
• 29:00
  SPEAKER_01: Right.
• 29:01
  SPEAKER_01: Right, be thankful and then be aware and be intentional.
• 29:07
  SPEAKER_01: Right.
• 29:10
  SPEAKER_01: Yes.
• 29:10
  SPEAKER_01: Excuse me.
• 29:13
  SPEAKER_01: Yes, exactly.
• 29:15
  SPEAKER_01: Because now you have this$20, what, like what, what are you, like not just what are you going to do with it, but how is that going to bring you forward?
• 29:25
  SPEAKER_01: How is it going to bring you joy?
• 29:27
  UNKNOWN: Right.
• 29:27
  SPEAKER_01: I'm a big proponent of joy.
• 29:29
  SPEAKER_01: You know, actually, joy is one of the highest vibrational levels you can have.
• 29:34
  SPEAKER_01: And when you bring yourself into a place of joy, whether it's joy that you have$5 that you want to go buy a Starbucks coffee, or whether it's...
• 29:49
  SPEAKER_01: you know, that you want to do something else with that money, but it's being intentional and knowing what will bring you joy.
• 29:56
  SPEAKER_01: Or maybe it's, you know, what would bring me joy is saving$10 of this towards next week so then I could put it with my other$10 and be able to treat myself to a movie or to a manicure or, you know, or something that's even further down the road than that.
• 30:16
  SPEAKER_01: But it's, It's being intentional and taking it to that next level of what will bring you joy.
• 30:25
  SPEAKER_01: And that's when you relate your values to your goals.
• 30:30
  SPEAKER_01: Because only when your financial goals, I think it's true of all goals, but I know for a fact, when your money goals are in alignment with your values, only then, only then will you be in a good relationship with money and will you follow through and achieve your financial goals.
• 30:49
  SPEAKER_01: Right, and I do believe that.
• 30:50
  SPEAKER_01: And I think it's, I mean, that goes to say for all your goals, right?
• 30:56
  SPEAKER_01: You need to be in alignment in order for them to, like, what's the word I'm looking for?
• 31:03
  SPEAKER_01: In order for you to achieve your goals to the extent that you want to achieve them, you need to be in alignment with the goals and your values.
• 31:13
  SPEAKER_01: Absolutely, absolutely.
• 31:15
  SPEAKER_01: Yeah, I do believe that.
• 31:18
  SPEAKER_01: So if you were to have a client or a client was to come to you and, you know, said to you, Linda, I really want you to help me with my relationship with my money.
• 31:30
  SPEAKER_01: You know, I plan to retire early, and that's going to be in 10 years.
• 31:35
  SPEAKER_01: What's the first piece of advice you would give?
• 31:37
  SPEAKER_01: Define dream.
• 31:40
  SPEAKER_01: I say dream.
• 31:40
  SPEAKER_01: I don't define.
• 31:42
  SPEAKER_01: Dream early.
• 31:43
  SPEAKER_01: What does your dream retirement look like?
• 31:46
  SPEAKER_01: And I would actually take her through an exercise of what does that look like?
• 31:52
  SPEAKER_01: Who are you going to spend it with?
• 31:54
  SPEAKER_01: Where do you want to retire?
• 31:57
  SPEAKER_01: Who with?
• 31:59
  SPEAKER_01: What do you want to do in retirement?
• 32:00
  SPEAKER_01: Because only after she has thought about, taken the time to dream about what her retirement looks like, only then can she put together an intentional money spending plan And then we can put together a financial plan that will help her achieve that dream retirement.
• 32:22
  SPEAKER_01: And the other really basic principle is, you know, save more than you spend.
• 32:31
  SPEAKER_01: You know, don't spend more than your income.
• 32:34
  SPEAKER_01: And when you're really serious about saving for retirement, then we take a look at, you know, where are you spending your money now?
• 32:41
  SPEAKER_01: You know, what...
• 32:42
  SPEAKER_01: And I'm not talking deprivation, but once again, what's in alignment with your values, what's not, and then what are you willing to...
• 32:51
  SPEAKER_01: It's foregoing immediate gratification for retirement gratification.
• 32:59
  SPEAKER_01: But the first step is dreaming.
• 33:00
  SPEAKER_01: What do you want your retirement to look like?
• 33:02
  SPEAKER_01: What are the emotional and social impacts of this?
• 33:07
  SPEAKER_01: And then let's put a plan together.
• 33:10
  SPEAKER_01: Yeah.
• 33:11
  UNKNOWN: Yeah.
• 33:11
  SPEAKER_01: So I find now I have this thought that's coming to my head, and I am going to tell you what it is.
• 33:16
  SPEAKER_01: But I find that the generations today, like the younger generations, like the kids, I'll call them, in their 30s and younger, they're not kids.
• 33:26
  SPEAKER_01: I mean, they're full-on adults.
• 33:29
  SPEAKER_01: Oh, they are.
• 33:30
  SPEAKER_01: Most of them are parenting themselves at that age.
• 33:33
  SPEAKER_01: But when I say younger, because to me they're still kids, right?
• 33:36
  SPEAKER_01: But when I look at them, I find that they're, like, very, you know, because they're so used to having satisfaction, like, at the tip of their fingers at any given moment, I wonder, like, how their relationship with money compared to, say, our relationship with money is different.
• 33:59
  SPEAKER_01: Yeah, I think.
• 34:00
  SPEAKER_01: Like, have you had any experience with that?
• 34:02
  UNKNOWN: Yeah.
• 34:04
  SPEAKER_01: There's a difference for sure.
• 34:06
  SPEAKER_01: Yeah.
• 34:07
  SPEAKER_01: And would you say they're more like, you know, with the gratitude and the abundance?
• 34:15
  SPEAKER_01: Would you say they're generally more open to that, whereas we have to learn that, or the other way around?
• 34:21
  SPEAKER_01: I think they are more mindful of it.
• 34:29
  SPEAKER_01: I also find with the younger generation, they are not...
• 34:34
  SPEAKER_01: Now, this is a big generalization, so, of course, this isn't everybody.
• 34:37
  SPEAKER_01: Of course.
• 34:38
  SPEAKER_01: But they're not as tied to a profession like we were brought up.
• 34:45
  SPEAKER_01: You go to college, you have a career.
• 34:48
  SPEAKER_01: I think things have changed, especially after COVID, but things have changed for that younger 20s and 30s.
• 34:57
  SPEAKER_01: It's like they're questioning, do I really need a college degree to do this?
• 35:01
  SPEAKER_01: And you know what?
• 35:03
  SPEAKER_01: I'm going to try this.
• 35:04
  SPEAKER_01: If I don't like it, I'll try something else.
• 35:05
  SPEAKER_01: They're much more fluid, I would say.
• 35:08
  SPEAKER_01: And because of that, money...
• 35:12
  SPEAKER_01: They want enough money to have a comfortable life, but it's not always in excess, like I think some of us, well, not me.
• 35:26
  SPEAKER_01: Anyway, some people may have had.
• 35:28
  SPEAKER_01: So I do think there's a difference.
• 35:29
  SPEAKER_01: I think they're more fluid.
• 35:31
  SPEAKER_01: I don't think they're as rigid as far as a career.
• 35:33
  SPEAKER_01: And I don't think they're as tied to a six- and seven-figure income.
• 35:40
  SPEAKER_01: Now, I do think The baby boomers, which are still in the 50s and 60s, I think those generations are still very much, you know, we worked hard, we're saving for retirement, and, you know, we're going to self-fund ourselves.
• 35:59
  SPEAKER_01: We don't want to be a burden to our kids.
• 36:00
  SPEAKER_01: I hear that all the time.
• 36:01
  SPEAKER_01: I don't want to end up sleeping on my kid's sofa.
• 36:04
  SPEAKER_01: And so they definitely are planning for their retirement.
• 36:07
  SPEAKER_01: I would say the late 30s and 40s are...
• 36:11
  SPEAKER_01: It really depends on their attitude and where they're at.
• 36:14
  SPEAKER_01: Because in that generation, we have some who are very much tied to what I call the FIRE movement, Financially Independent Retire Early.
• 36:21
  SPEAKER_01: And they will do everything.
• 36:24
  SPEAKER_01: I mean, you talk about workaholics.
• 36:25
  SPEAKER_01: They are going to do two and three jobs.
• 36:28
  SPEAKER_01: They are going to save absolutely every penny.
• 36:30
  SPEAKER_01: They are going to live a very modest lifestyle.
• 36:34
  SPEAKER_01: But it's all for retiring early so then they can do what they want to do.
• 36:40
  SPEAKER_01: So then they can go hike and travel the world.
• 36:43
  SPEAKER_01: And then there are those who are like, you know, I want to do some of that now.
• 36:51
  SPEAKER_01: I'm not going to wait until I retire.
• 36:53
  SPEAKER_01: And I was definitely in that camp.
• 36:54
  SPEAKER_01: I love to travel.
• 36:56
  SPEAKER_01: I've always enjoyed traveling.
• 36:58
  SPEAKER_01: I didn't realize how much traveling I've done until I started talking to people, and I started looking at how many countries I've been to.
• 37:04
  SPEAKER_01: I lost track, but it's a bunch.
• 37:06
  SPEAKER_01: But I love traveling, and I've always done traveling, whether it's stateside or international.
• 37:12
  SPEAKER_01: So I was, you know, I want to have fun.
• 37:14
  SPEAKER_01: I want to have some fun, but I'm also going to save for retirement.
• 37:18
  SPEAKER_01: So mine was, I think, a pretty good balance.
• 37:21
  SPEAKER_01: And I do see that a lot in people in their 50s and 60s now.
• 37:27
  SPEAKER_01: Yeah, yeah.
• 37:28
  SPEAKER_01: I think our age group, because now it's more of a reality, right?
• 37:32
  SPEAKER_01: Like I remember when I was 19, my bank manager said to me, you know, you need to start an RFP.
• 37:39
  SPEAKER_01: And I was like, for what?
• 37:41
  SPEAKER_01: And he's like, for your retirement.
• 37:43
  SPEAKER_01: And I'm like, dude, this is my first real job.
• 37:45
  SPEAKER_01: Like, I am not thinking of, you know, retiring.
• 37:48
  SPEAKER_01: And he's like, but one day you will, right?
• 37:50
  SPEAKER_01: And you'll be thankful that we had this conversation, right?
• 37:54
  SPEAKER_01: And I remember thinking, he is crazy.
• 37:58
  SPEAKER_01: Right.
• 37:59
  SPEAKER_01: I know.
• 38:02
  SPEAKER_01: Good for him.
• 38:03
  SPEAKER_01: My daughter is 24.
• 38:04
  SPEAKER_01: Since she's been employed, I have had her saving$50 a month into her Roth IRA.
• 38:12
  SPEAKER_01: And it was like, okay, this is why.
• 38:14
  SPEAKER_01: But what really brought it home for her was I said, listen, if you invest$50 a month, now there's no guarantees, but this is statistically speaking, and we're just going to invest it in a good S&P 500 mutual fund ETF, And you can consistently contribute to that.
• 38:35
  SPEAKER_01: By the time you're 65, you'll have about$250,000.
• 38:40
  SPEAKER_01: And that's just contributing$50 a month.
• 38:46
  SPEAKER_01: When you get into your 30s and 40s, 50s, you'll be making, obviously, more money than you are now.
• 38:52
  SPEAKER_01: And you'll be contributing more.
• 38:55
  SPEAKER_01: So that's how you save for retirement.
• 38:56
  SPEAKER_01: But it doesn't have to be A huge amount is just getting them to start early and making it a habit.
• 39:03
  SPEAKER_01: And that's true with anybody.
• 39:04
  SPEAKER_01: Getting them to save, whether it's for retirement, whether it's for your first house, down payment, whether it's for your first car.
• 39:13
  SPEAKER_01: It's the habit of saving.
• 39:16
  SPEAKER_01: Don't spend everything you make.
• 39:18
  SPEAKER_01: Save before you spend on your discretionary expenses.
• 39:22
  SPEAKER_01: And that's another great way to have a great relationship with money.
• 39:26
  SPEAKER_01: Exactly.
• 39:26
  SPEAKER_01: I'm honoring this.
• 39:27
  SPEAKER_01: I'm paying for my basic needs right now, my housing, my food, and then I am saving.
• 39:34
  SPEAKER_01: And then comes, oh, I want to eat out with my friends or I want to go to movies or whatever it is.
• 39:41
  SPEAKER_01: But it's making it all a really good habit because one of the things we fall into, and we're humans, is the more money we make, the more we spend.
• 39:51
  SPEAKER_01: We buy those toys.
• 39:52
  SPEAKER_01: I always say our 30s are...
• 39:56
  SPEAKER_01: 30s and 40s are kind of accumulation.
• 39:59
  SPEAKER_01: You know, we get the house, we get the car, some people get a boat, some people get, you know, whatever, what other toys, you know, they like.
• 40:06
  SPEAKER_01: And when we see all of our neighbors with all these, you know, wonderful things or we get a bigger house.
• 40:10
  SPEAKER_01: I got to tell you, when you turn 50, I don't think you're there yet.
• 40:13
  SPEAKER_01: I am.
• 40:14
  SPEAKER_01: I have been.
• 40:15
  SPEAKER_01: It was like the most depressing day ever and the biggest day ever.
• 40:20
  SPEAKER_01: And it was like, what the heck am I doing with all this stuff?
• 40:24
  SPEAKER_01: It's stuff.
• 40:24
  SPEAKER_01: You can't take it with you.
• 40:26
  SPEAKER_01: And why am I trying to impress people I don't know and probably don't even like?
• 40:32
  SPEAKER_01: You know, how ridiculous is this?
• 40:34
  SPEAKER_01: And I had a total mind shift.
• 40:37
  SPEAKER_01: And I started downsizing from that day forward.
• 40:40
  SPEAKER_01: And I find that's very typical, especially once you turn 60.
• 40:45
  SPEAKER_01: It's like, oh, my gosh, I have way too much stuff.
• 40:48
  SPEAKER_01: I'm thinking about retiring.
• 40:49
  SPEAKER_01: I don't need this huge house.
• 40:51
  SPEAKER_01: The kids are gone.
• 40:52
  SPEAKER_01: And then you're looking around and it's like, why money on stuff that nobody wants?
• 40:59
  SPEAKER_01: And so those are the things.
• 41:02
  SPEAKER_01: My daughter, I actually had her help me downsize.
• 41:06
  SPEAKER_01: And she goes, oh, mom.
• 41:07
  SPEAKER_01: And I'm like, don't you do this.
• 41:11
  SPEAKER_01: Learn from me.
• 41:12
  SPEAKER_01: Don't do this.
• 41:14
  SPEAKER_01: You don't want any of this stuff.
• 41:15
  SPEAKER_01: If you end up accumulating stuff like this, trust me, your kids aren't going to want it.
• 41:20
  SPEAKER_01: So anyway.
• 41:21
  SPEAKER_01: Why isn't that the truth?
• 41:23
  SPEAKER_01: Yeah, I totally get that.
• 41:26
  SPEAKER_01: Yeah, I am 50.
• 41:27
  SPEAKER_01: And when I turned 50, I kind of went through the same thing.
• 41:31
  SPEAKER_01: And so I started now slowly, I'm filling up, you know, boxes to donate or sell or whatever, because I know, I mean, I haven't used it in the last 10 years, I won't be using it now.
• 41:43
  SPEAKER_01: I mean, we do less and less entertaining, right?
• 41:46
  SPEAKER_01: And I don't even leave it when I go on holidays or I go and I see something that I absolutely love.
• 41:52
  SPEAKER_01: If I don't have a place for it in my house right now, it's not coming with me, right?
• 41:58
  SPEAKER_01: As much as I love it, right?
• 42:01
  SPEAKER_01: As much as I love it, I know that I will not have a place for it, right?
• 42:05
  SPEAKER_01: Unless I can get rid of something.
• 42:07
  SPEAKER_01: That's kind of the rule, right?
• 42:09
  SPEAKER_01: If I can get rid of two, then I can take one more thing home.
• 42:12
  SPEAKER_01: Yeah, good for you.
• 42:15
  SPEAKER_01: Yeah, great philosophy.
• 42:17
  SPEAKER_01: Yeah.
• 42:18
  SPEAKER_01: This has been wonderful, and I feel like we could sit and chat for another two or three hours.
• 42:23
  SPEAKER_01: We probably could, and I know we're out of time.
• 42:26
  SPEAKER_01: So thank you for having me on your show.
• 42:29
  SPEAKER_01: LyndaLingo.com is where people can find me, and the master class, if I might, is www.LyndaLingo.com backslash retirement-masterclass, backslash.
• 42:45
  SPEAKER_01: I know that's a lot.
• 42:45
  SPEAKER_01: I'll email you so you can put it in the show notes.
• 42:47
  SPEAKER_01: But starting October 12th, love to have ladies in there who are thinking about retirement in the next 1 to 10 years.
• 42:55
  SPEAKER_01: That's perfect.
• 42:56
  SPEAKER_01: Thank you so much.
• 42:57
  SPEAKER_01: And so what age group are you aiming that towards, like people that are close to the retirement age, like within 2 or 3 years or 10 years?
• 43:06
  SPEAKER_01: Anybody, I would say within 10 years.
• 43:08
  SPEAKER_01: So that's typically, you know, I don't want to put an age on it, but, you know, it's usually, you know, 50, 55 and older.
• 43:16
  SPEAKER_01: Yeah, like you're planning to retire within the next 10 years.
• 43:19
  SPEAKER_01: I love that.
• 43:20
  SPEAKER_01: Thank you so much for joining me today, Linda.
• 43:23
  SPEAKER_01: Thank you, Tina.
• 43:24
  SPEAKER_01: This has been a delight.
• 43:25
  SPEAKER_01: I love chatting with you.
• 43:27
  SPEAKER_01: Yeah, it's been awesome.
• 43:29
  SPEAKER_01: Thank you so much.
• 43:30
  SPEAKER_01: Confidence in Bloom is a celebration of self-love, a confirmation that you're an amazing, desirable, brilliant, gorgeous, talented woman, even though you may not look like a screen star or a supermodel.
• 43:40
  SPEAKER_01: The truth is, they don't even look like that.
• 43:43
  SPEAKER_01: We offer unconditional love to our partners, our children, our extended family, even our pets.
• 43:47
  SPEAKER_01: It's high time we got out of our own way and learned to unconditionally love ourselves.
• 43:52
  SPEAKER_01: Chic definitely does come in every shape, so if you want something to believe in, start with yourself.
• 43:58
  SPEAKER_01: If you'd like to be a guest here on Confidence in Bloom and chat with me, contact me through Instagram at infobloomstyling or by email at tina at infobloomstyling.com or
• 44:08
  SPEAKER_00: through the Divas That Care website.
• 44:11
  SPEAKER_00: Thanks for listening.
• 44:12
  SPEAKER_00: This show was brought to you by Divas That Care.
• 44:15
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