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What is Money Mindset all about? · Rock My Finances

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Unless specifically indicated otherwise. The content expressed or my views only, and not
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necessarily those of Life Po Asset Management Llc. The content presented is in no
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way an investment advice, solutination, or an offer to sell securities or investment
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advisory services. The material is provided for general information and educational purposes based upon
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publicly available information from sources believe to be reliable. I cannot assure the accuracy
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or completeness of these materials. As such, the information these materials may change
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at any time without notice. Reference to these discussions about eye wells and annuities
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are fixed insurance products. Investments on fixed insurance products are different from investments of
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the stock market. Any guarantees provided by a fixed insurance product cannot be assumed
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to be guaranteed for any other investment. Welcome to to Rock my Finances show
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on k for HD radio and Talk for TV, where we put the fund
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in finance joint Powerhouse JAFF jos CDFA CMC and Private Wealth Advisor as she collaborates
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with you to create clarity, control and comfidence with your money, your way.
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It's not about the zeros, So what is it all about? Let's
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find out. Now here's your host and weekly friend, Jennifer jos We are
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back again for an amazing show. I'm kind of excited today because this is
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my passion, my passion. I've been in the financial industry for many,
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many years and created amazing plans and amazing rate to return and was able to
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have my clients reach their goals and have a good old time with all of
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that. However, there was something missing with some of my female clients,
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and they still had that little stress in the back of their brain and they
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had like a feeling of the flutters when they had to do their bills,
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or even myself, I was on the money roller coaster. I'd have a
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ton of money and then none, ton than none. I had four or
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five houses, than none, apartment cluboxes than none. Like. I just
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kept going on this roller coaster. So it led me to believe that there's
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more to our money than just a great rate to return, a plan and
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knowing, you know, spending saving that kind of thing. And then if
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you're not even doing that, which is half of everyone is ostrich, is
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not even looking at their numbers or even no ill, I don't know what's
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happening then you also need to listen to the show to the end of the
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show as well, because I'm going to give you amazing information that will absolutely
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enhance your life. That's all I want to do. If you're going to
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spend some time with me, I want to make sure that I add value
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to you in your day. So what is a money coach? So there's
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a couple different terms out there. We have, of course, financial advisors,
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and that also gets confusing as well, because we had investment managers,
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we have financial counselors, we have different certified professional advisors. Like there's all
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kinds of letters and acronyms and who does what. So today I'm going to
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be talking about a money coach and the difference between a financial coach and a
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money coach, or an advisor and a coach. And so we're just gonna
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kind of chit chat about all that so that you can actually look for what
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you are in need of. I definitely highly highly recommend a money team.
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In fact, that's what I make sure that all of my clients do.
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I have three things that makes my programs and my packages and working with me
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different than most anyone else that I've met so far. I make sure that
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you create a team, your money team, and of course I'm on that
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team. And then I also want to make sure you have systems in plays
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that make a lot of things automatic but also bring you joy. I want
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to make sure that your system is unique and customize to you and brings you
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joy every day, because I do believe what we put out we get back.
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Then the third thing is, here's the difference. Drum roll the difference.
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We heal your past money story. So we go back and look at
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your old money beliefs and where you maybe receive them because most of them are
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from childhood or even before, and what your new money beliefs are as grown
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adult that you are today. So we create new beliefs around your finances,
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wealth, money, abundance, attraction, everything, and then you actually step
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into the new world and lifestyle you desire and you absolutely deserve. So it's
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really really fun. So let's start with financial coach. A financial coach is
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going to help you on probably a weekly basis. I meet with my clients
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on a weekly basis accomplish your goals, your financial goals, So they're going
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to be talking more about your saving, your spending habits, maybe why how
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you feel when you save, how you feel when you spend? You know
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where the block is around that? And then investing are you investing your savings?
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And are you saving for retirement? And they'll educate you on what is
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a four O one K, what is a fourrow three B? What is
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a for fifty seven? What is of a five to twenty nine? What
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is a good savings amount for you? What is a defined benefit? If
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you get RSUs which is stock grants and stuff, if you have any of
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that restricted stock options, if you get any of that. So a financial
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coach is going to know about a lot of financial tools and solutions and they're
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going to talk about how you can get there. It's kind of like having
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a weight loss coach, right like Jenny Craig and weight watchers, and you
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have to go in and check in each week to have some type of accountability.
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I do believe this works, and that I believe is my difference of
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my clients as well, because they do talk with me every week and so
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they can accomplish something immediately. In fact, I had a client text message,
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do you have time to talk? Absolutely? If I'm here, I'm
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absolutely going to be there. For you, because sometimes you get into something
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and we're diving into it and then you just have a quick question and I
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want to make sure that I'm available for my clients as much as possible.
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That's a financial coach. Then you have a financial advisor that's going to take
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all that information, which some advisors do everything I just mentioned, and some
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do not. Some advisors do not deal with cash flow, do not deal
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with how and why you're spending. They actually just say give me all the
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numbers, now, where are you at now and where you want to go,
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and they create a plan to help you get there. That's what I
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used to do years ago. Then I found out that there's so much more
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to it than just a map on where to get there. It's why are
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we not there yet, what's holding you back? And how we can shift
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those beliefs. So some advisors do not go all the way deep down to
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like I work with every dime that my client spends, and that's going to
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be Actually one of my tricks in my system is to know and love your
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numbers. So in my system, we do need to have our money dates,
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which you've probably heard me talk before about our podcasts and get to know
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and love our numbers. We need to know where they're at and where they're
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going. Some of you, fifty percent of you, or ostriches that stresses
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the heck out of you, or you're actually going to bring up shame and
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guilt on what you've spent money on before. So when we're just trying to
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find out where you're at, that it literally just chokes people like, Oh,
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I can't even breathe. I don't even want to go there. I
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don't even want to look at what I did, Like I don't even want
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to see it, kind of like why I don't look at my other podcasts
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in my other shows because I don't want to see myself. I just want
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to show up and be authentic and be who I am and have a good
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time. So I kind of get it right. If it brings you stress
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and overwhelm, you're not going to do it anxiety as well, right,
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So it helps to have a coach hold your hand through the whole journey,
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which is what I love and so that's why I want to be there with
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my clients to hold their hands through this. The ostriches that don't look they
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need more handholding in the beginning, but then they're going to be fine towards
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the end. And so each client's different in the process. But there's some
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people that are got a grip on their money and they look at their computer
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every day and they see what's happening in their app on their phone and the
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markets down, markets up, and honey, you spend too much money on
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that, and the kids want too mention this, and it's always just so
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constricting. And so those clients I want to free up and I want them
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to relax, and I want them to definitely spend money on themselves if they
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haven't done that in a long time. In fact, if you've heard of
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the app acorn, I know I'm plugging an acorn app now, but I
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have my client to use that because it rounds up to the next dollar that
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they spend. And then my clients that don't spend any money on themselves,
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I require them to spend that monthly. It could be twenty bucks, fifty
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bucks, hundred bucks, whatever it is. It's not big, huge dollars,
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but there is something in there that they need to spend on themselves.
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And if you are one of those that do not spend on yourself, this
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is the trick that I play on your subconscious. We actually see that at
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the end of the month and say, Okay, what am I going to
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spend on myself? Then we're going to window shop per se. We're going
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to create what we're going to spend and what we're going to do. And
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I always have my clients. I've always done everything I've ever had my clients
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do, so way back when single motherhood. I don't say check to check
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because I've always owned my own business. But on that roller coaster of coming
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up and down with money in, money out, and I did not spend
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money on myself. In fact, I still am not fantastic at spending on
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myself. And so I literally trained my brain to enjoy that money when it
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was there, and then I was required to spend it. So in the
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beginning, I would get like pedicures and manicures that would be not a regular
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basis for me at that point. It would special occasions but not necessarily a
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regular basis. So I would do that's the thirty forty fifty sixty backs.
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That's easy. Then I'd get a professional like a like a spa pedicure,
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which was more right, or massages and then I would want to go out
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to dinner by myself, getting to know myself better, right, so that
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I could show up in a relationship and having maybe like a glass of wine
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with dinner, like I never had drinks with dinner because that would just be
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apt tacking on so much more to the bill. And so miss frugalhead here,
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right, And so I would figure out where is going to go to
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dinner, dream about that, maybe even drive by it. So I'm telling
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my subconscious that I'm wealthy because I'm going to go spend this extravagant amount of
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money on a dinner and an amazing glass of wine. And so then I
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would be there at these dinners. You can't go for at least three days
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because you want to really ruminate in it, like just really tell you're subconscious
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that you're amazing and you're spending money and just be excited about it for like
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three or four days. Then you go to the event or purchase the item.
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If you're going to buy something, if it's on Amazon, put it
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in your cart and look at it every day. Don't buy it yet,
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because we want to ruminate in that abundance. Then when I'm sitting there at
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dinner with all the other people that are doing the same thing, like minded
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people. Right, we all have our energy up that we are having an
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amazing dinner. We're enjoy the food is awesome, the wine is great.
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Might even in a slurge for a dessert, like just really ruminating in that
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that whole time. I'm telling my body I'm abundant. I'm telling my brain
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I am deserving of joy and wealth and happiness. So the more we put
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out we get back, right, So then I get more opportunities coming to
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me. That's going to help me feel that way. So that's a little
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trick you can do for the people who are clenching and just hanging onto it
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and not doing anything at all. The ostriches, before you look at anything,
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we need to know some things before you dive into spending money on yourself.
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Otherwise it's just going to bring you more shame and blame, which we
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do not want. So the two groups of people, your ostriches and your
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constriction people, this is really going to help you actually know what's happening by
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knowing your numbers, knowing and loving your numbers. So a financial coach can
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absolutely do that. But they're going to stick more on the numbers and not
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necessarily the feelings. You know, all effort the feelings behind the numbers.
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I just don't necessarily want to know why you have this, what the symptom
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is, but underneath the symptom, what is causing the symptoms, so we
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can clear it away, bust it away. I do not want you to
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have that symptom anymore. So we're going to go a little bit deeper.
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As a money coach, we are on behaviors. We look more at emotional
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emotional attributes and behaviors that are creating the symptom or creating the foundation for your
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financial life. If it's rocky and if it's not bringing you all the joy
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you want, I'm going to look deeper into that. And so it's fun
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to have somebody hold your hand through that process as well. And so when
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we do that, here's an example. So play with me here. What
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is one bill or one expense that brings you negativity that you might not necessarily
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enjoy doing every month? If you have a spouse that pays the bills,
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then is there something that your spouse mentioned to you that is on a negative
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connotation that brings up some stress or some overwhelmness that you just don't feel really
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good about. Okay, put that in your mind now, I'm going to
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ask you a couple of questions about that. First of all, what is
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that bill? What does it pay for? Right? As an example,
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I just had someone mentioned this to me that her husband pays all the bills.
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She doesn't even know what the heck's going on. She's completely clueless,
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and she feels shame around being clueless, so she feels not valued, uneducated,
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not smart, like she feels all these horrible things when her husband's probably
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just trying to help her out. So wives, spouses, husbands, whatever
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you are out there, every one needs to know what's happening in your financial
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world. Sometimes your money coach will go on the call with you and your
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spouse if that is some contention there, or if there's some issues that get
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brought up, I'm happy to help with you on that as well. To
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align both spouses or business partners. I've done that very very often as well.
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They have two different trains of thought of where the business is going.
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So I'm the mediator for that and we get everyone on the same page.
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I do have a hundred percent success on that as well working with my couples
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and my business partners. So we want to see where each person is coming
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from and then we want to bring them together. So her husband brought up
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her Amazon bill and so that brought her, you know, negativity. So
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then we talked about it. Okay, what is this doing? I had
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another client that hated to pay taxes. So here's the things that you ask
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yourself, and sometimes it's hard to do it yourself. So give me a
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call because I'm happy to help you out. If your pain in that Amazon,
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that could be everything, right, so it could be anything in Amazon.
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So then I said, what is the last thing that you purchased in
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Amazon that brought you joy? So that's one question, and I can't remember
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what she said, they're brought Oh it was an I cream. She said
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it was an I cream and so I said, okay, great, when
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you have that I cream, you putting it on to probably save off wrinkles,
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like me, right, we want to make sure that we're looking good.
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And then you're gonna go with your spouse and you're gonna go on on
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a hot date or you're gonna look good and you put your makeup on and
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your look at how does that feel? And she's like, oh, it
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feels great. I love to get all dressed up and go out to dinner
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or something. Okay, great, how does that feel great? So that
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feeling that you are I want you to the F word right. It's all
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about the feelings. It's not up in our head where our numbers and stress
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and strife and anxiety is. It's in the feeling of it. So the
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positive thing about spending that last money that you did, what is the feeling
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around that positivity? So she pictured herself going out with her husband, and
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I said, okay, great, next time your husband brings up Amazon,
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bring up that feeling of going out on a date with him and attach that
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to what he says about Amazon. So that will actually clear that negativity.
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The other that said she hates paying taxes. Okay, great, let's talk
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about what taxes cover. She has kids in school. Do you have a
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public school? Yes? Oh, and my son is struggling in school,
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and I'm so happy he just got the best teacher this year. What does
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your son say, Oh? He says, Oh, I love my teacher.
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Susie Smith. She's just so awesome. I love her. That's great.
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So now we attached the feeling of how she felt so happy for her
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son when he came home from school. That feeling the F word to the
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tax bill. Now. I know there's lots of other things that go into
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it. We're not going into that right now. Just stick with me here.
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That feeling gets attached to the tax bill. So then it's like,
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I love to pay my taxes because it's affording my son an amazing education in
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a relationship with the teacher that could change his life forever. Like when you
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have a very good foundation of good feelings for children and ourselves, it does
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change our life moving forward. So taxes the I cream Amazon. Now,
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I'm not saying that you're not paying too many taxes, and I'm not saying
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that you're not spending too much on Amazon. I'm not saying that right now
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because we need to know our numbers and then figure that out. But before
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we dig into that, I want you to feel good about where you're at
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right now. Wherever you're at now, even if you have some guilt about
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spending too much or not saving enough, or not making enough, whatever it
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is, let's just try to be satisfied. Right now, then a money
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coach can take you further, so we can get you satisfied if you're not
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satisfied, which a lot of people come to me in despair. They literally
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come to me in the depths of stress and anxiety and holy crap, I'm
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going to run on money. I can't pay bills wherever they're at. I
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can get them too satisfaction and then we attract abundance from there, which is
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so exciting. So another thing a money coach might do that I do.
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That's very different because I'm gonna go back to your childhood. I know we
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always blame our parents, and I'm not blaming at all, because there's some
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good attributes and some bad attributes everywhere we go from every person we meet,
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right So, but we're going to look at that so that you can actually
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get rid of the old beliefs that are not serving you. So here's a
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question for you. What is the first thing you remember about the about money
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in your childhood? Like a belief around money. So mine was work hard,
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make money because we owned a business. My parents were business owners,
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so we worked seven days a week. We were in a six five days
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a year, like it was never off a blate like we always it was
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just there, that's just the way it was. So I always picked up
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from that. They might not even have a set it, but I picked
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up work hard, make money. You might have heard money doesn't grow on
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trees, what actuality it is because it's paper. But you might have heard
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so many different things that get stuck in our little child brain that shows up
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in our adult world. Don't do business with family and friends. That's one
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that as entrepreneurs we have to squash right away because I don't know about you,
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but all my clients are my family and friends, Like I become friends
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with all of my clients. So that's just not a good belief for me
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to take on, Like I don't even believe in that. Like I do
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do business with family and friends, and I have for many, many years.
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And my thought that I switch that too, is don't do business with
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unethical or dishonest people, family, friends, or anyone. That's what we
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don't do business with. But if you have family and friends that are amazing
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and they're successful, or you at least love their integrity and their work ethic
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and their honesty, you can absolutely do business with them. So that's not
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a correct belief, right, But we have to go back and look at
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those beliefs and then if you want to keep that belief it's your choice.
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You're an adult and it's your choice. But we don't know what's back here
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and our subconscious running our money life, it's running our relationship world, it's
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running our business, it's running how we show up at work every day.
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And the subconscious is just there. It's like a file cabinet that every thought
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that has ever been funk by you is in your file cabinet. So we
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definitely want to take a look at those. And how we can tell is
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how you feel the good old left word, how you feel about your money,
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tells me where to go and look for those beliefs that we want to
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squash. Okay, I know I'm talking a lot. So what have you
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gone back and spent money on. Here's another question for you that has brought
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you joy. So this has actually been a gift if you check out my
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Soul Sisters series on the podcast, This is a gift from Peterle and my
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shiny shiny little cup. I love it. I love it. I can
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never get enough water in right, I'm trying to do a gallon a day.
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So that brought me so much joy. When I look at this,
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I'm happy. It makes me happy. We cannot be in love and fear
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at the same time. Our brain just can't do it. So I want
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you all in love, not in fear. So when we start talking about
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our money and we need to know our numbers and we're looking back at things,
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it could be a charge on your charge card for going out to dinner.
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Instead of saying, oh, I spent too much or whatever it might
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be, I want you to go into that event and go how great was
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that food? Right? How good was that I enjoyed my company who I
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was with? Remember a story that was told. I'm here in Beverly Hills
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now, and I go to Mastro's. It's so great. I love it.
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And so I go up to the top of the penthouse and there is
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a bartender there, Cheryl. I love her. So I eat there and
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I just have a little appetizer and my little cocktail. She knows me by
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name. She makes my visit so wonderful. I always tip well. I
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want to make sure she knows that I appreciate her. There. When I
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get that on my bill, I get all warm and fuzzy and gooey again
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because I have such a good time there. It's so great. They have
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live music and it warms my heart. I love music. You know me.
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I'm a rocker. If you don't know me, I'm a rocker.
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That's what it's called rock my finances. I love music, and so it
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warms my heart again. So when we are dissecting our numbers, we want
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to release the fear, release the negativity, and only think of the positive
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things of how great that dinner was, how great these shoes are. I'm
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paying for my children's education. You're creating amazing human beings for the human race
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going forward. Your car, it might be a car, it might be
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your home, it might be anything that has to do with your business.
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Like I purchased my little microphone and I love my little pink cover. It
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brings me joy, right, and so I want everything to bring us joy
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as much as possible. So in my system, we are looking at numbers.
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We're falling in love with numbers. But this is how we do it.
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Is we find out where we're at now, where money's going out,
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where money's coming in. Don't worry money coaches, financial coaches, they'll hold
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your hand through that, or just call me because I mean, let's face
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it, you're on my podcast. You're listening to my podcast. And then
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we walk through all of that and we say, okay, now we get
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to choose where we want our money to go. We actually get to decide
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do we want to spend that much on Amazon? Do we want to come
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back? I had another client as well, of a good friend of mine.
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Her credit card bill would skyrocket and her husband would freak out. So
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she got it all down, paid it, and she recalled when we went
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back and looked at it, like why is that happening? We dug deeper
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a little bit on how she felt when her husband would be angry at her
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about spending that money, and she said, it feels just like I did
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in high school with my dad, Like oh, so what are you doing?
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And she's like, I'm literally rebelling against my dad and it's actually my
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husband. So as soon as she figured that out, and I could explain
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to her that your husband's not trying to be rude, he's not trying to
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be mean, but it literally is stressing him out. Could be husband or
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wife. I have another couple that the wife is more of the constrictor and
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spending money stresses her out. We do not want to create more stress.
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And sometimes the way we show up in our money world is the way it
24:30
is. Coaches can absolutely help and we can heal and we can get you
24:33
moving forward. But I am always going to be frugal. That's the way
24:37
I was raised. It brings me joy. I love to save money.
24:41
That's who I am. So if your spouse, business partner, yourself,
24:45
if you are like that, that might be a trait that you are going
24:48
to keep. So then we just spin it to where it makes you happy
24:52
and joyful. And so I have a friend of mine, Denise, she's
24:55
on the Soul Sister series as well. Denise, her and I always set
24:59
text each other. I got a bargain, I got this, like we
25:03
love a love being frugal and finding fruit like she finds money on the ground.
25:07
It's so fun. So we celebrate that. So there are some traits
25:11
that don't go away, and so we want to make sure that we honor
25:14
those traits. And that's where you really need a coach to dive in with
25:18
you to make sure that we get rid of the old stuff. And create
25:22
the new stuff that is your adult person moving forward. So that once my
25:27
client friend she figured that out, she paid off her credit card, went
25:34
to her husband, apologized to her husband, explained it to him that it
25:38
wasn't about him at all. It's never what we think it is, y'all.
25:41
It is never what we think it is. We're always trying to accomplish
25:48
something else underneath the symptom, whatever this symptom is, There's always something underneath
25:53
that is protecting our little child, our little girl, our little boy,
25:57
our wounds, our fears, anybody that's ever been betrayed before, abused,
26:03
any of that. We have lots and lots of blocks and boundaries set up
26:07
to protect us. But if that's no longer happening, it is actually coming
26:12
spilling over into our money world and it's messing this up. And what we
26:17
think about one thing is how we think about everything. So if we feel
26:19
about this way about money, we do the same thing about relationships. And
26:22
I don't know about you, but relationships are very important to me. That's
26:26
why I'm here on this earth. Like I want to feel love and give
26:30
love and joy and it feels amazing. The Soul Sisters just had a weekend
26:36
retreat and so we'll talk about that next week. And it was so fun.
26:41
We had such a blasketting together, the first time we've all been in
26:45
together in person in three years, and so it was really great. So
26:52
recap it a little bit. Financial coach is going to work more numbers and
26:56
your goals and hold your hand and hopefully get you all all pushed on that.
27:00
I do that as well as being a financial advisor. When we are
27:03
doing a comprehensive plan and we get your goals to your I call it bucket
27:07
planning, and then we get you to all of your goals that you might
27:11
be. A money coach is going to go beyond that. It's going to
27:15
go on behavioral like what why are you doing things? What is the behavior
27:19
around it, and what are you feeling around it? So in my program,
27:22
I put it all together. And so I do believe that our feelings
27:27
come first. The F word must be the foundation around your money life.
27:32
We have to get that in order first in order to attract the abundance that
27:37
you really want. Some people want more time, Some people want more money.
27:41
Some people want freedom with our time. Some people want to be able
27:47
to gift and be in service. Everyone's different and it doesn't matter. Whatever
27:51
abundance is to you is what we're going to accomplish. So that's kind of
27:55
what a money coach does. We're gonna tee up a commercial now here and
28:00
we're going to tell you a little bit about the Rock My Finances Club.
28:03
So now I know people worry about money and hiring professionals out there and what
28:08
that all entails, and so sometimes you're a little weary and you want to
28:12
check somebody out. So this is perfect for my Rock My Finances Club.
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And you can message me on any of the platforms and I'll tell you how
28:22
to get fifty percent off. In fact, we have a couple other specials
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always running and it's very inexpensive on a monthly basis, and you get me
28:30
one hour a week in a group setting and I can answer your questions and
28:33
move you forward, and then you can see if you're right for any of
28:36
my other stuff. But I love to change, and I'd love to change
28:38
people's lives and transform them. I promise you this is one hundred percent worth
28:44
your time. It is amazing, and as the club is amazing, we
28:48
have amazing people in the club. It's awesome, So hang on, come
28:52
back, because now we're going to talk about what team do you need and
28:56
what type of system do you need to really bring in the abundance you desire.
29:00
So come right back and I'll explain it all to you. Wait,
29:03
the show isn't over yet. There's more fun and finances ahead. Jennifer will
29:07
be right back as we have a special bonus offer for you right here on
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Rock My Financers broadcasting live on K four HD radio and Talk four TV.
29:18
Hey y'all, it's Jennifer Jost. Are you ready to transform your relationship with
29:22
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Go to ROCKMF dot com for your financial empowerment. Make yourself a priority
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financial freedom. Finally, oh and don't forget to ask me how to say
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fifty percent? See you add our weekly mass your mind. Okay, Rock
30:03
my Finances on caith HD at top four TV is back once again. Let's
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put the fun in finance with your host a weekly friend, Jennifer Josh.
30:15
Okay, we're back. I'd love to see you in the club. It's
30:18
absolutely amazing. We have amazing people in there and you get stuff done immediately,
30:22
so it's really great. And feel free to ask me questions wherever you're
30:26
at. Just message me and we will chit chat. Okay, when you
30:36
should you? Let let's go with there. Should you hire a money coach?
30:38
What does a money coach do? You might already have an amazing financial
30:41
adviser, you might be doing great with your investments, so you might just
30:45
want a second opinion, which is great as well. And then you say,
30:48
what does a money coach do? Again, I go with the F
30:51
word. If you're feeling amazing and you're great, then that's you're all set.
30:55
It's amazing. But if you have any negativity whatsoever your body at all
31:00
when it comes to anything with your money, that is when we want to
31:04
dissect that and jump on with a money coach to see if we can clear
31:08
that up, because I promise you it will bring in abundance. So ask
31:14
yourself a few of these good, good questions that we have here. Do
31:22
you understand your money? Do you understand savings? Do you understand all the
31:30
bills that you have? Do you understand where your money is going? And
31:34
what investing is. We always want to make sure if we have any passive
31:38
money, our money's making money. So there's a plethora of places to put
31:45
money to make money, especially these days. Do you understand all of those
31:49
options? A money coach can help you with that, A financial coach should
31:53
be able to as well, and a financial advisor. The advisors are limited
31:57
to I've been with several different companies. I've an advisor for many years.
32:00
I feel like nine different companies and they all do something a little bit different.
32:05
So now that I'm independent fiduciary, I can explain this to all of
32:10
my clients and then they do what's best for them. So what are the
32:15
solutions out there for you that fits your unique situation and how can we get
32:22
you to your goals better, faster, quicker, safer, whatever you'd like.
32:28
So we want to definitely educate because that I believe is one of our
32:34
blocks is if we don't have the education, we feel kind of bad about
32:37
where we're at. And I tell you it's actually simple, it's not real
32:43
hard, and so I explain it very easy so that you can actually get
32:49
the gist of it. Can you teach someone else that Probably not unless you
32:52
spend a couple of years with me. However, you can understand it and
32:57
speak a little bit about it, and then you feel better. I want
33:00
you to have the three cs, y'all, confidence for sure, clarity for
33:05
sure, and control over your spending and savings. So the three c's,
33:10
confidence, control, and clarity, and that will bring so much less stress
33:16
to you. You will actually be able to step into a room and be
33:20
who you really are, truly meant to be your authentic self, and not
33:23
the stress anxiety ball when you talk about your money. We also help you
33:29
stay accountable if you say you're going to do something. This is my definition
33:34
of integrity. In fact, anyone that's suffered trauma or betrayals, such as
33:37
myself, I get very my hair stand up on the back of my neck
33:44
of people that are not in integrity, and this is how that shows up
33:49
for me. I believe integrity is what you think, is what you feel.
33:54
That's the whole thing right there, right is what you say and is
34:00
what you do. So those four things show me someone has integrity. Obviously
34:06
we're not one hundred percent perfect all the times because we're always learning how we
34:09
think and what we feel and then how we turn that into an action.
34:15
So when I meet someone and they say something and they're doing the opposite thing,
34:21
the ving ing ing ing, there's no integrity there. So they're either
34:24
tricking themselves to say what they think everyone wants to hear, or they just
34:30
don't know how to show it up in their behavior. And that's what money
34:32
coaches can help you do. What you think is what you feel, because
34:37
thoughts create, right, it's what you say and is what you do.
34:43
And so I help my clients become full of integrity around their money. And
34:47
that's also telling the universe that you're responsible and that you respect money and that
34:52
you're ready for more. Another question that I asked my clients is what do
34:55
you say if what would you say if money walked into the door? I
35:00
got that from a friend way back when Elizabeth she's amazing, So what would
35:02
you say to money if it walked into the door. I have a lot
35:07
of people say where have you been your whole life? Or come on,
35:09
in. Bring all your friends, like, that's going to give you an
35:13
idea if you have the negativity coming up or not. If you have any
35:16
feeling whatsoever, we have to pay attention to it. Right, Sit back,
35:20
relax, take a couple deep breaths, and ask yourself these questions and
35:25
see if you tense up anywhere in your body. I tens up in my
35:29
solar plexus. I tents up on my chest, my throat gets constricted,
35:32
and that's where I know that. I'm my shoulders, the back of my
35:36
neck. I'm holding all of this stress in my body. And guess what
35:40
happens when we release the stress, We release extra pounds that we don't want.
35:49
WHOA, I don't even know what that is. Sorry, Oh my
35:52
gosh, I even know what that is. Okay, sorry. I have
35:54
my little laptop here going in case my computer freaks out, so that I
35:59
have this going just in case. So a commercial just popped up. You
36:01
gotta love those commercials. Let me just cancel that all together, okay,
36:07
Oh, I gotta love technology. So when we feel that it's stress in
36:09
our body and everything, where where's it coming from? First of all,
36:14
what's the thought that is creating that stress or the words that we're using,
36:19
because once we have our thoughts and they create our words, manifest right,
36:23
thoughts create words, manifest is your my beliefs. When we manifest with our
36:29
words, negative words show up. Can't don't broke, can't afford, can't
36:34
do that, No, no, no, no, all the negative stuff
36:37
that goes into our subconscious and creates more thoughts and then creates more negativity and
36:42
negative thoughts that actually shows up in our money world. And so we want
36:46
to watch our words and look at what we're saying and always here's another exercise
36:52
for you. They call it the T exercise. A big T, right
36:57
capital T on the top. You can write a sentence and then brain dump.
37:01
I just did this with another client as well. She's found it very,
37:05
very helpful, and she's doing it again. So she's working on this
37:07
for the next two or three weeks in her coaching program. So write a
37:12
statement I deserve to be wealthy. If that brings up too much angst for
37:15
you, then put I am looking for abundance or any statement at all around
37:23
your money. I enjoy I enjoy being wealthy. I deserve wealth whatever it
37:29
is. And then on the left side, you're going to brain dump just
37:32
everything that comes to your brain, everything that like, don't don't don't dissect
37:37
it at that point. But let's just play I deserve to be wealthy.
37:42
I do not deserve to have happiness. I don't even know what wealth is.
37:49
I am afraid of wealth. I don't know where to put it.
37:53
Like, just brain dump all of these things on the left hand side,
37:57
and then on the right hand side we switched them over to some our brain
38:00
can believe. So I deserve to be wealthy. I do not deserve to
38:05
be wealthy. That could have just been one thing. So then let's turn
38:07
that around too. On the right hand side, we're going to say I'm
38:10
on my way to deserving wealth, something our subconscious can take and understand and
38:17
not kick out. This is the problem, drum roll again. This is
38:22
the problem of our positive thinking mantra post its the community because we're missing a
38:34
piece in the middle. We can't just jump to I deserve to be wealthy,
38:38
I am wealthy because our subconscious knows we are not in any realm at
38:45
all that we're not. It's going to pop up and block it. So
38:47
we have to say something that our subconscious believes. So we have to go
38:52
to the feeling first. Before we have the mantras and the post it's and
38:55
all of that, we have to have the feeling of accepting that first.
39:00
I'm on the path to wealth. I'm getting ready for wealth. Whatever it
39:07
might be. Also deserve to me as means to serve. So for me,
39:15
I can switch that up and say I serve to be wealthy. So
39:20
yes, I do. I help my clients step into the abundance they deserve
39:24
a desire, and that brings me my wealth as well. And it's so
39:30
fun to share your money with someone. Oh here's another little exercise. This
39:36
is my belief alone. I believe that money is just gratitude. And so
39:39
we all wake up at the same hours in the day and we choose to
39:43
either go to a job and say, here's my skills and time and attributes,
39:46
and you give me a paycheck and return so that money is earned,
39:51
is gratitude goes in my bank account, Or if you're an entrepreneur, you
39:53
go use your skills, time and attribute to your company or your employees and
39:59
or your poys and your clients, and then you in turn get a check
40:02
money that says thank you so much for changing my life, helping me whatever
40:07
it might be. And then that check is in a form of gratitude.
40:09
So in our bank account is gratitude. Money is just gratitude, that's all
40:15
it is. And we all have a gratitude ceiling. We have a temperature
40:22
ceiling of how much money we can accept without sabotaging it. So I found
40:27
that I just kept sabotaging anything over two hundred and fifty thousand, like,
40:30
I just kept sabotaging it, and my ceiling did not start there. My
40:35
ceiling started up five thousand a month, like I just needed five thousand a
40:38
month. Then it was ten thousand a month, the fifteen, and then
40:40
twenty then went up. But I needed to break that ceiling because I realized
40:45
that I kept getting up there and then back down, up there and back
40:47
down. It's like, okay, what's going on. So that's when I
40:51
started coming into the money world and the coaching and the feelings around it and
40:54
became a certified money coach and realized that we have beliefs and all of that.
40:59
So with that said, that gratitude is in your checking account, and
41:04
then you say, here, electric company, here, thank you, so
41:07
much for letting me have my lights here. Water Company, thank you for
41:10
letting me flush a toilet in the middle of the night and I didn't even
41:14
dig any ditches or hang any wires. Thank you so much. Thank you
41:16
Credit card company for advancing me money to take my friends out or to go
41:21
to dinner, or to buy this or buy that, or buy my stuff
41:22
on Amazon. Thank you in advance. It is just gratitude going back out.
41:29
And it makes me so happy to tell my clients when they pay me
41:35
for my coaching services and I get a check, I say, this check
41:39
is going to help me do X, Y and Z. They love it.
41:44
My daughter's name is Journey, and way back when I think it was
41:46
her twenty graduation part present, there was a band. It was a whole
41:54
series, two day event here in Los Angeles, and Journey was one of
41:58
them with a new singer. He's amazing. Journey wanted to go see Journey,
42:01
and so that was gonna be a whole weekend trip right Well that of
42:05
course, my son Parker came on boards and I want to go because of
42:07
course they grew up listening to music. So those tickets were like two hundred
42:10
fifty bucks each plus the hotel for the weekend and the drive down on all
42:14
of that. So it was going to be, you know, a couple
42:15
thousand dollars. And so my client had just come in that morning when Journey
42:20
asked me, Hey, have you seen this concert? It was amazing,
42:23
And my client came in and I got a coaching program fee, and I'm
42:28
like, guess what you're doing. You're helping me go this weekend or next
42:31
week or whatever it is, take my daughter and my son to see Journey
42:36
and all these amazing bands for the weekend. She was so excited. So
42:39
I'm like, thank you for this money to help me with my lifestyle.
42:44
And if we can turn around every bill to be saying thank you and just
42:49
sharing our gratitude, and then when we have lots of savings, then we
42:52
choose to invest into this company, when we buy stock, we choose to
42:57
invest into this company when we are i mean partners with them, maybe in
43:00
a limited liability partnership, maybe you're doing you know, you're helping them,
43:07
and so whatever it is, our money is gratitude going out in the world.
43:13
It feels so good to me when I am receiving that from my clients,
43:17
and I'm giving that to my clients or my other people as well.
43:22
It's so great. I love it. So gratitude money is just gratitude,
43:24
y'all. You get to choose to play the gratitude game or not. There's
43:30
lots of communities out there with tents under overpasses and everywhere, so you can
43:36
choose to go that route and not play the money game. It's your choice.
43:40
So when we're feeling like our money is running us, remember you don't
43:45
have to. So if you're going to choose it, how big do you
43:50
want to be? How much do you want to play? It's just a
43:54
game, and it's just money. And yes, it absolutely affords us shelter,
44:02
food, healthcare, lights, electricity, a way of life. But
44:07
if you're under a certain amount, if you're under thirty thousand a year,
44:12
yes you are just trying to keep food on the table. I get that.
44:15
I'm in California. So if you're over fifty sixty seventy thousand, that's
44:19
when we need the education to really find out and make sure that we're not
44:23
paying too many taxes that we don't need to be paying. Even though I
44:27
love my schools and my roads, and all of the things that our taxes
44:30
afford us. We don't want to pay extra and making sure that we're making
44:36
money and our risk tolerance in our time frame that we need. I do
44:39
goal based investing, so we want to make sure that our money's making money
44:44
while we sleep. That's one of our mantras. But we have to know,
44:47
love and enjoy and believe that. I hope you've had fun today talking
44:52
with me. I've had such a good time. We have about five minutes
44:55
left, So here is going to be your tip that t chert the statement
45:04
up on top, brain dump on the left and turn those around to something.
45:07
I'm on the path to wealth. I am releasing old money beliefs,
45:13
whatever it might be. Turn that around to something positive. Before you get
45:17
to know and love all your numbers, we want to love money first,
45:22
like I want you to fall in love with money if you are a restrict
45:25
Here's another one I did do this, went to the ATM and took out
45:30
money and gave people money walking by. That didn't feel so great for me.
45:36
They were just questioning so much. This blonde broad is giving me money.
45:40
What the heck is she doing that for? Right? So what I
45:43
did was I When I was in line purchasing something, I would add ten
45:49
or twenty or whatever to the people behind me and say, please just credit
45:53
their build this amount of money. So it felt so good to be in
46:00
my money that way. I've also tripled and doubled and just give a huge
46:02
tip to different people. You know, my kids have been in the restaurant
46:07
business for a long time, and so I'm big on tipping, and so
46:12
I want to give my gratitude that way. It feels really good to do
46:15
that as well. Sometimes whatever it is, if you're constricted, we want
46:20
to bust that out. We want to bust that out and come from a
46:22
gratitude place, and what we put out we get back again. That's my
46:28
beliefs law of attraction. How we feel is what we're going to attract.
46:32
Thoughts create feelings. Feelings create thoughts, and words words manifest. They create
46:42
our reality. So we do need to pay attention to what we're thinking around
46:46
money. And that's where a money coach you asked me can help you very
46:52
much. Make sure that your beliefs are your beliefs and they're not your parents
46:57
or your grandparents, or your neighbors or your wealthy boss, or your best
47:00
friend's parents or anyone else. Your beliefs are your beliefs. And when we
47:07
have a mission statement for ourselves and when we have intention behind what we do,
47:13
it is just the most amazing feeling and we are absolutely unstoppable. And
47:19
that's what I want for you. I want you to wake up, enjoy
47:22
every day and believe me, I've been through hell and back. And if
47:25
you listen to my other podcasts to hear my story, because believe me,
47:29
I have been to the depths of despair and no reason for me to be
47:34
alive and absolutely no reason for me to be happy right now. And I
47:39
am. I am enjoy a majority of the time. And so that's what
47:45
I help my clients do because life is just way too short. It's way
47:49
too short, and I want us all to have a really, really good
47:52
time. So we got to create our money systems. We got to create
47:54
our money teams and attract that abundance that we all deserve and desire. It's
48:00
going to be so much fun, all right, y'all. I'm in a
48:01
couple of minutes early today because it's just me and go to ROCKMF dot com.
48:08
That's for rock my finances dot com. Please download, please please listen
48:15
to these you know episodes. Please share it on all your social media because
48:19
I promise you, whoever supposed to hear this, we'll hear this. That's
48:22
another one of my beliefs. If you're listening to it right now, you're
48:24
supposed to be. If you're hearing, if you're in the sound I'm what
48:28
my words are saying and what's coming out, you are supposed to be hearing
48:31
me right now. Go to rockm dot com and sign up some time.
48:35
I have a fifteen minute free chat, and so sign up some time.
48:37
Let's let's chit chat and let's see how we can help you move forward in
48:40
your life, whatever that looks like. Let's help you get on the same
48:45
path with any partners that you have in your money, in your spouses,
48:47
any business partners. We want you all attracting money and wealth and desire and
48:52
just have a really, really good time. It's so fun. Please come
48:54
back for more episodes. Check it out. Can't wait to hear and see
49:00
and chime in live. It's every Thursday one o'clock Pacific Standard time. You
49:06
can jump on YouTube or Facebook and actually ask me questions and I can answer
49:10
them to you live. Thank you all so much, and I can't wait
49:14
for you to say I rock my finances. See you soon. We appreciate
49:19
you joining us today, and don't forget to subscribe to to rock my Finances
49:22
YouTube channel for more engagement and bonus content. Tell me what is your money's
49:29
story? Let's find out with Jennifer four pm Eastern one pm Pacific every Thursday
49:34
right here on K four HD Radio and Talk for TV. It's not about
49:38
the zeros, It's about the F word, feeling, feelings. Jennifer can't
49:44
wait to explore with you next week. Until then, let's all say I
49:49
rock my Finances.