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What are the 3 Barriers to Wealth for Women? · Rock My Finances

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  Speaker 1: Unless specifically indicated otherwise.
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  Speaker 2: The content expressed or my views only, and not necessarily
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  Speaker 2: those of Life Co Asset Management LLC. The content presented
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  Speaker 2: is in no way in investment advice, solicitation, or an
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  Speaker 2: offer to sell securities or investment advisory services. The material
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  Speaker 2: is provided for general information and educational purposes based upon
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  Speaker 2: publicly available information from sources believed to be reliable. I
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  Speaker 2: cannot assure the accuracy or completeness of these materials. As such,
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  Speaker 2: the information in these materials may change at any time
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  Speaker 2: without notice. Reference to these discussions about eels and annuities
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  Speaker 2: or fixed insurance products. Investments on fixed insurance products are
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  Speaker 2: different from investments in the stock market. Any guarantees provided
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  Speaker 2: by a fixed insurance product cannot be assumed to be
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  Speaker 2: guaranteed for any other investment.
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  Speaker 3: Welcome to the Rock, my Finances show on k for
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  Speaker 3: HD radio and Talk for TV, where we put the
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  Speaker 3: fund in finance joint Powerhouse Jeffer Jos CDFA CMC and
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  Speaker 3: Private Wealth Advisor, as she collaborates with you to create clarity,
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  Speaker 3: control and confidence with your money, your way. It's not
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  Speaker 3: about the zeros, So what is it all about? Let's
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  Speaker 3: find out. Now, here's your host and weekly friend, Jennifer Jose.
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  Speaker 1: Hey there, y'all, rock My Finances. Where you back again? Today?
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  Speaker 1: We're going to have a really good show.
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  Speaker 2: It's just me, no guests or anything which could be
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  Speaker 2: good and could be could be boring, but I promise
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  Speaker 2: you I will try to keep you keep you on
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  Speaker 2: the edge of your seat. I'm going to talk about
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  Speaker 2: something today that is not talked about in the financial industry.
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  Speaker 2: We're going to talk about the three barriers to wealth
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  Speaker 2: for women. I'm going to go into so much detail.
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  Speaker 2: I'm going to do a slide show and I'm going
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  Speaker 2: to show you all kinds of things. So grab a
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  Speaker 2: pen and paper, sit down, and then replay this over
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  Speaker 2: and over again, because this is going to share with
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  Speaker 2: you why it's not your fault, and you're going to
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  Speaker 2: be able to take some tips and tricks down on
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  Speaker 2: to be on how to get rid of that stress
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  Speaker 2: and overwhelm and step into the abundance that you totally
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  Speaker 2: deserve and desire. Okay, you're Ready're going to dive right
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  Speaker 2: into the presentation and we're going to keep you going.
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  Speaker 2: So I believe that there is a difference between feminine
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  Speaker 2: financial freedom and masculine financial freedom. I believe that this
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  Speaker 2: industry is completely created by men, and it speaks to
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  Speaker 2: men very well. Now I've been in this industry for many,
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  Speaker 2: many years, decades actually, and I can speak it as well.
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  Speaker 2: And a lot of us women who are successful, we
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  Speaker 2: are stepping into that as well, but we're using a
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  Speaker 2: lot of our masculine brain. In fact, I was told
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  Speaker 2: when I started in this industry that I could not
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  Speaker 2: wear dangly earrings, I had to have a blazer on
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  Speaker 2: at all times. I could not wear open toad shoes.
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  Speaker 2: I had to wear nylons if I was going to
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  Speaker 2: wear a skirt, or I had to be in pants.
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  Speaker 2: Like this is literally in my lifetime, y'all. And so
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  Speaker 2: I think it was just really raised that men know
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  Speaker 2: what they're doing with money. And I remember in my
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  Speaker 2: first marriage in the early eighties that I had to
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  Speaker 2: have my husband come with me to the bank in
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  Speaker 2: order to open up account.
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  Speaker 1: So I didn't think much of it back.
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  Speaker 2: Then because my mom was pretty much a powerhouse and
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  Speaker 2: helped my dad run the businesses, and so I never
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  Speaker 2: really thought about women in business and banking and.
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  Speaker 1: All of that.
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  Speaker 2: So it's been very different for us, and we are
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  Speaker 2: kind of fifty years behind the game.
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  Speaker 1: So everybody take a breath with me.
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  Speaker 2: Oh, you can relax because it's not your fault at all.
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  Speaker 2: So we're going to talk about the differences of what's
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  Speaker 2: out there and what actually would be needed for women. Okay,
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  Speaker 2: So why our finance is so stressful and overwhelming And.
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  Speaker 1: Here's the deal.
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  Speaker 2: Feelings change everything, ladies, how we feel about our money,
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  Speaker 2: is it? Gentlemen, if you're listening as well, I have
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  Speaker 2: a lot of male clients that have the same feelings
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  Speaker 2: around their emotions around their money as well. I'm being
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  Speaker 2: very generalistic when I am talking about feminine versus masculine, okay,
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  Speaker 2: because we can all they are all both, right, So
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  Speaker 2: the feeling financially free is what we're striving for. It's
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  Speaker 2: going to take us time to get there. However, we
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  Speaker 2: can grab that feeling right now. And that is the
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  Speaker 2: difference between everything. So every day we all get up,
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  Speaker 2: we all have the same hours in the day, right,
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  Speaker 2: and we also can do what we want with those hours,
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  Speaker 2: and we all think about money every day.
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  Speaker 1: It's actually on average ten times a day.
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  Speaker 2: So if you don't have a good relationship with money,
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  Speaker 2: how are you feeling when you think about it ten
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  Speaker 2: times a day? Do you want to keep bringing up
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  Speaker 2: that stress ten times a day? So we're going to
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  Speaker 2: talk about that today as well. So you actually have
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  Speaker 2: the ability to spend or to save several times a
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  Speaker 2: day every day. Right, And our relationship with money, here's
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  Speaker 2: the secret.
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  Speaker 1: Are you ready?
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  Speaker 2: It has nothing to do with the zeros in your bank.
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  Speaker 2: I know it feels like it does, but I promise
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  Speaker 2: you it has everything to do with how you feel
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  Speaker 2: about the zeros in your bank. Because some people could
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  Speaker 2: feel amazing with one thousand dollars and some people feel
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  Speaker 2: totally broke with one hundred thousand dollars. So it's literally
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  Speaker 2: about how you feel about the zeros in your bank. Okay,
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  Speaker 2: So let's step into wanting better relationships with our partners,
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  Speaker 2: better relationships with our friends, better relationships with our family,
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  Speaker 2: and all of it stems with our relationship with money
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  Speaker 2: and our relationship with ourself. So I want you to
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  Speaker 2: have your money working for you so that you can
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  Speaker 2: actually have fun with your hobbies. Just go travel, go
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  Speaker 2: do what you want to do. And the biggest worry
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  Speaker 2: that most Americans have is when will you have enough
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  Speaker 2: and will you run out of money? So we all
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  Speaker 2: need to know that shares in here.
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  Speaker 1: I love her. We'll talk about her later.
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  Speaker 2: So if you don't know me yet, Certified divorce financial Analyst,
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  Speaker 2: Certified money coach, I'm a fiduciary, I'm a private wealth advisor. Yes,
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  Speaker 2: I've done really, really well. You might listen to my
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  Speaker 2: podcast that says divorce Eque's death, that explains to you
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  Speaker 2: the loss of my children here, Nicholas and Scheri when
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  Speaker 2: I was twenty nine. That started my emotional growth and
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  Speaker 2: making a decision to be here. And I know that
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  Speaker 2: I'm here to empower women. I know that I am
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  Speaker 2: here on this planet. So my kids are always with me.
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  Speaker 2: Nick and Tree, They're behind everything I do. They're burst
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  Speaker 2: on his Diamond, which is my business's names, Diamond Life
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  Speaker 2: Strategies and Diamond Life Planning. They're a huge part of
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  Speaker 2: why I'm here and why I do what I do.
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  Speaker 2: Since that time, since I lost my children thirty years ago,
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  Speaker 2: I have been screwed over by several gentlemen in the
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  Speaker 2: financial industry, and so that's why I do what I do.
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  Speaker 2: And I can tell you feeling financially free is amazing
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  Speaker 2: I literally choose my lifestyle. I actually am going to
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  Speaker 2: the beach later. I'm very excited. I've helped thousands of people,
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  Speaker 2: and I live my diamond life, I call it. And
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  Speaker 2: that's because I know my health and I know my
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  Speaker 2: true self, and I live my purpose every single day
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  Speaker 2: and I'm joyous every single day, which is exciting. So
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  Speaker 2: I am here to help you find your purpose and
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  Speaker 2: find your wealth. And I can tell you I've been
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  Speaker 2: on that money roller coaster for so many years, up
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  Speaker 2: and down single mom, oh my gosh. Every time I
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  Speaker 2: transferred a company, my licensees took a while to transfer,
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  Speaker 2: and I had zero income coming in. Talk about emotional
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  Speaker 2: roller coaster. Have you ever like done really really well,
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  Speaker 2: saved a great amount, have a good amount of savings,
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  Speaker 2: and then something big pops up and secks it all dry, right,
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  Speaker 2: or you lose your job, or the inflation's going up
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  Speaker 2: like it's crazy, Like there's no telling, but that roller
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  Speaker 2: coaster is exhausting. And of course we're stressed out over money.
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  Speaker 2: Look at everything we have to deal with, bankruptcy, unemployment, pollution,
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  Speaker 2: everything that's happening right now in our country. We have
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  Speaker 2: a divorce war, we have you might be dealing with
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  Speaker 2: death through COVID, might have a poverty crisis. Like, there's
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  Speaker 2: so many different things that we could be stressed out about.
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  Speaker 2: And ladies, here's the deal. We take that on ourself.
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  Speaker 2: We are here to hold up the world. So when
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  Speaker 2: we're talking to a friend or when we're hearing something
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  Speaker 2: on the news, it goes in our body and it
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  Speaker 2: actually has something to do with our relationship with ourself
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  Speaker 2: and our money. So here's my first tip. Turn off
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  Speaker 2: the news. It's all fake anyways, So no worries. Turn
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  Speaker 2: off the news. And ladies, if you have any friends
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  Speaker 2: that are the woe is me gal that's in your
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  Speaker 2: ear all the time, let her know that she has
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  Speaker 2: fifteen minutes with you to talk about anything negative or
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  Speaker 2: three minutes, and then we're going to go to the
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  Speaker 2: positive and the future and being happy and joyous. Otherwise
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  Speaker 2: you might have to cut her out of your life.
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  Speaker 2: And if you are negative Nelly, I love you, find
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  Speaker 2: some therapy, grab a coach. Yes I'm free, and switch
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  Speaker 2: out of that negative Nelly to amazing positive Paula. Okay,
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  Speaker 2: because it's not useful for you and or anyone else.
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  Speaker 2: We want you to find the foundation of success the
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  Speaker 2: feminine way. So here's the first thing you do, padent paper,
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  Speaker 2: goals and dreams. I want you to write down your
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  Speaker 2: goals and dreams. And then we're going to look at
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  Speaker 2: what is actually holding you back from what your desired
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  Speaker 2: life is. And it's not your fault at all. So
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  Speaker 2: we're going to step into the three barriers to wealth.
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  Speaker 2: The first one, we're going to find out why you're
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  Speaker 2: stressed with money. Here we go women and wealth and
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  Speaker 2: our financial history. We couldn't even open up our own
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  Speaker 2: account until nineteen sixty. Nineteen sixty four, we actually had
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  Speaker 2: to pass a law that says no discrimination. Okay, that
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  Speaker 2: is obvious, it's already in the constitution. And here we are,
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  Speaker 2: we are now having to pass another law in nineteen
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  Speaker 2: sixty four, no discriminating on sex, because it was happening
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  Speaker 2: so much. Right nineteen seventy two, we had to pass
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  Speaker 2: the Education Amendments that outlaw discrimination based on gender. So
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  Speaker 2: nineteen sixty four didn't work. Now we're doing nineteen sixty two.
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  Speaker 2: Now you can't discriminate based on gender. Like, we just
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  Speaker 2: keep striving to move forward, right, but we're still we
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  Speaker 2: still have a huge wage gap between men and women
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  Speaker 2: in this country now, nineteen seventy three, Roe versus Wade,
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  Speaker 2: What do't you even want to talk about? Where that
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  Speaker 2: is at this point? Depending on your beliefs, which side
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  Speaker 2: of the fence, I'm clearly women's rights. Whatever you want
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  Speaker 2: to do, that should be your right. Two thousand and
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  Speaker 2: nine the Fair Pay Act. So even nineteen sixty four,
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  Speaker 2: nineteen seventy two, we're still not getting paid the same.
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  Speaker 2: So two thousand and nine they put in the Fair
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  Speaker 2: Pay Act. That's still not happening. Twenty fourteen, yay, the
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  Speaker 2: first woman Chair of the Federal Reserve, Janet Yellen, first
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  Speaker 2: woman in finance, that's actually doing something. And just twenty fourteen,
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  Speaker 2: so nine.
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  Speaker 1: Years ago, we literally are just gaining ground of women
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  Speaker 1: in finance.
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  Speaker 2: Of course, we're stressed out. So let's create the foundation
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  Speaker 2: for you and your financial success. Here is the first tip.
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  Speaker 1: Are you ready ask for help? Ladies? We have to
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  Speaker 1: create our own money team. We cannot do it on
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  Speaker 1: our own.
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  Speaker 2: I have tried to do that so many times and
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  Speaker 2: failed until I learned more.
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  Speaker 1: So once I learned more, I'm.
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  Speaker 2: Trusting my gut, I'm trusting my own intuition, and definitely
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  Speaker 2: having my amazing CPA. I have a tax advisor. Of course,
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  Speaker 2: I have my own mentors in the financial I've always
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  Speaker 2: had my own financial advisor.
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  Speaker 1: Now I have my team. I have another colleague.
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  Speaker 2: You guys have seen her on here a couple of times,
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  Speaker 2: Miss Juliette Cardona.
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  Speaker 1: She's amazing as well. I have my whole team behind me,
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  Speaker 1: Rob and my money manager. I have my whole team
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  Speaker 1: behind me, so we're not doing it by ourselves. What
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  Speaker 1: I don't know, I will grab. I have my estate planner,
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  Speaker 1: Lulina Miles, She's amazing. So we need to have people
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  Speaker 1: that we don't know everything about. And let's be honest,
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  Speaker 1: do we really need to know everything about something that
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  Speaker 1: we're going to touch once a year?
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  Speaker 2: We absolutely do not. So if you are a woman
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  Speaker 2: business owner, or if you're just a basy busy lady
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  Speaker 2: or gentlemen, if you're listening as well, you need to
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  Speaker 2: hire out things that you don't want to do personally.
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  Speaker 1: I do not want to stand in line.
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  Speaker 2: I love Instacart. Covid has changed my life with Instacart.
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  Speaker 2: I love it, and I know you can pay extra
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  Speaker 2: fees and they can charge what they want, and I
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  Speaker 2: know all the tricks about that, and I don't care.
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  Speaker 2: It is so worth me not getting in my car
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  Speaker 2: driving down the street to go buy the groceries and
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  Speaker 2: stand in a line and come home and put them away.
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  Speaker 2: It's not going to happen otherwise. If we're not doing that,
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  Speaker 2: then we're going to go out to eat.
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  Speaker 1: Well.
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  Speaker 2: I can tell you that is quadruple the price, especially
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  Speaker 2: here in Beverly. Okay, back, sorry, So I want to
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  Speaker 2: make sure that you're putting your money where you want
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  Speaker 2: it to go. But we have to create a team
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  Speaker 2: and understand we don't need to know everything. We don't
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  Speaker 2: need to know. We need to trust people that we don't.
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  Speaker 2: I want you to have systems in place. I used
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  Speaker 2: to call it mailbox to the shredder. I want you
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  Speaker 2: to know what you're going to do with every piece
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  Speaker 2: of paper. Does anybody have a stack in their house
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  Speaker 2: that they haven't gone to yet.
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  Speaker 1: Oh my gosh. Those stacks have energy. They create energy
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  Speaker 1: and they build in it and it's like the yucky
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  Speaker 1: feeling when you walk by it. Because it's a to
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  Speaker 1: do right, it's a thing that you have to to do.
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  Speaker 2: So we create a system from the paper from when
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  Speaker 2: you pick it up from the mailbox or when you
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  Speaker 2: sit down and open it up your computer. I want
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  Speaker 2: you to know exactly where you're going to put that.
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  Speaker 2: I want you to put in the folders that it's
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  Speaker 2: supposed to be in, and yes, add color because I
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  Speaker 2: love my I have a plate that I've put all
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  Speaker 2: of my mail on when I come in from the mailbox.
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  Speaker 2: I have mail half electronic at this point, and I
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  Speaker 2: love this plate. So when I'm bringing in this mail
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  Speaker 2: and putting the mail on the plate, and it brings
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  Speaker 2: me joy. So now I'm attaching joy to all of
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  Speaker 2: the mail that's coming in, which really helps the energy
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  Speaker 2: coming into my household.
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  Speaker 1: That's amazing.
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  Speaker 2: Then I have my weekly money date, which I'll go
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  Speaker 2: into further, and I sit down and I go through
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  Speaker 2: all of that mail on a weekly basis. Then I
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  Speaker 2: immediately either file it or shred it, and it's done.
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  Speaker 2: I do not want piles to build up, So create
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  Speaker 2: systems to make sure that you have something to do
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  Speaker 2: with your monthly bills that are due. Scheduling a weekly
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  Speaker 2: money date this is a genius. I got this from
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  Speaker 2: my coaches, which was so amazing. They said, to clean
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  Speaker 2: up your money shiit on a weekly basis, and that's
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  Speaker 2: when I started this money date. So I totally stole
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  Speaker 2: this from Shannon Mark and I love it. So I
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  Speaker 2: sit down and I have my music, either Friday night
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  Speaker 2: or Sunday night.
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  Speaker 1: I love.
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  Speaker 2: I'm looking outside right now, my big window. It's beautiful,
• 15:10
  Speaker 2: so I either have the sunshine orf in the winter.
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  Speaker 2: I have my candles lit and I'm cozy and comfy,
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  Speaker 2: and my spreadsheet on my computer is purple and pink
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  Speaker 2: and all my pretty colors, and I'm highlighting in my
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  Speaker 2: green and yellow whatever i need to do, and I
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  Speaker 2: love it. It brings me joy because it's my favorite color.
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  Speaker 2: So start with your favorite colors. Then my filing system.
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  Speaker 2: Oh my goodness, have you ever seen those.
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  Speaker 1: Four tier filing drawers.
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  Speaker 2: I used to have so many of those, and now
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  Speaker 2: I have one little box. So check out Pinterest, check
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  Speaker 2: out whatever you want to do to get a good
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  Speaker 2: filing system. Since I'm never going to need those files
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  Speaker 2: again because I'm completely organized and up to date, and
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  Speaker 2: the IRS needs me to keep those and that's fine.
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  Speaker 1: I will keep those, but since.
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  Speaker 2: I'm never going to need them again, I have big
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  Speaker 2: categories house, car, business, credit cards, kids, pets like I
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  Speaker 2: have very few individual files. Back in the day, in
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  Speaker 2: my twenties, when I opened up my very first business,
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  Speaker 2: you would not believe the files that I had. I
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  Speaker 2: had one for every single company that I was dealing with.
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  Speaker 2: I had, you know, phone and water and every individual thing.
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  Speaker 2: Now it's just utilities like it doesn't matter, so it's
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  Speaker 2: up to you. You do you, but realize how much
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  Speaker 2: time it takes to get all organized with this and
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  Speaker 2: how often do you actually need it. So check that
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  Speaker 2: out before you get too crazy in it.
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  Speaker 1: But make it pretty. Mine's in a little white box.
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  Speaker 1: I absolutely love it.
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  Speaker 2: I have all my little colored folders so that I'm
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  Speaker 2: enjoying filing that at the end of my money date,
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  Speaker 2: when I'm paid that bill and I filed it, it's good.
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  Speaker 2: I also have my whole electronic filing system as well.
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  Speaker 2: That of course is backed up, so don't forget to
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  Speaker 2: back up everything electronic.
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  Speaker 1: Don't blow your computer and have no backup.
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  Speaker 2: So that's definitely backed up, so that I don't have
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  Speaker 2: to keep as much paper as I used to have,
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  Speaker 2: which is to me, I think it's wonderful. This is
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  Speaker 2: where everybody gets scared. We have to know our numbers.
• 17:13
  Speaker 2: I know it's scary, but I say, know and love
• 17:16
  Speaker 2: your numbers. So look back at three months of everything
• 17:19
  Speaker 2: that you've spent, every dime that you've spent in the household,
• 17:22
  Speaker 2: and yes, if you have quick Books or Quicken or
• 17:25
  Speaker 2: whatever you might have. I don't want it just to
• 17:27
  Speaker 2: be groceries. I want it to be Costco, Ralph's, Albertson,
• 17:31
  Speaker 2: safe Way, Whole Foods, Trader Joe's. I want to know
• 17:33
  Speaker 2: the individual grocery store because you're going to see patterns
• 17:37
  Speaker 2: that you're doing and you could actually be spending more
• 17:40
  Speaker 2: money than you need to be spending. I get organic,
• 17:42
  Speaker 2: I get you know, I do a lot from Whole
• 17:44
  Speaker 2: Foods and Trader Joe's. I get that, but there's some
• 17:46
  Speaker 2: things that you don't necessarily need to have from there.
• 17:49
  Speaker 2: So let's see if you can find some pennies in that.
• 17:52
  Speaker 2: So we want to have individual categories. Just look back
• 17:55
  Speaker 2: three months.
• 17:56
  Speaker 1: That's it.
• 17:56
  Speaker 2: Do an Excel spreadsheet. In my program, I have a
• 17:59
  Speaker 2: custom cash flow document that we go over and we
• 18:02
  Speaker 2: switch our mindset around every single dime that we're spending
• 18:05
  Speaker 2: in our household to attach it to something with joy.
• 18:08
  Speaker 2: So it's genius. I must say my coach in Brigham
• 18:11
  Speaker 2: is genius. So we do need to know our numbers
• 18:14
  Speaker 2: because a lot of us. I just met with a
• 18:15
  Speaker 2: client yesterday and she's stressed out about everything she has
• 18:17
  Speaker 2: to do, and I'm like, okay, well let's talk about it,
• 18:19
  Speaker 2: and it's all up here in her mind.
• 18:21
  Speaker 1: I'm like, let's write it down. She wrote it all down.
• 18:23
  Speaker 2: She's like, oh, that's a lot less than I thought.
• 18:25
  Speaker 2: So we do need to do this, okay, And then if.
• 18:28
  Speaker 1: You're afraid, grab a friend, get a finance buddy to
• 18:32
  Speaker 1: go with. We need to have a plan as well.
• 18:34
  Speaker 1: We need to have a money plan.
• 18:35
  Speaker 2: This is where your financial advisor, your financial planner comes
• 18:38
  Speaker 2: into play as well. I do planning as well for
• 18:40
  Speaker 2: clients I need. I find that I need they We
• 18:44
  Speaker 2: do so much stress when we have a plan because
• 18:47
  Speaker 2: we are so stressed because we don't know what's going
• 18:49
  Speaker 2: to happen. Now we can have plan A plan B.
• 18:51
  Speaker 2: I've even had people come to me say I don't
• 18:52
  Speaker 2: know if I'm gonna stay married or not. Okay, great,
• 18:54
  Speaker 2: so I have a plan, A plan B. I don't
• 18:56
  Speaker 2: know if I want this job or if I want
• 18:57
  Speaker 2: to own my own business. Then we have plan A
• 18:59
  Speaker 2: Plan B, but we definitely have numbers down the road.
• 19:02
  Speaker 2: And this is why we do our goals first, for
• 19:05
  Speaker 2: goals and dreams and desires and wishes first, so that
• 19:08
  Speaker 2: we can create a plan with that to say, Okay,
• 19:11
  Speaker 2: what are we going to need in three months, what
• 19:13
  Speaker 2: are we going to need six months? What are we
• 19:15
  Speaker 2: going to need in a year?
• 19:16
  Speaker 1: Like?
• 19:16
  Speaker 2: We need to have some type of a plan going
• 19:18
  Speaker 2: forward so that that way we know where we're at
• 19:21
  Speaker 2: right now in your twenties, thirties, forties, fifties, sixties, seventies.
• 19:25
  Speaker 2: We need to know how much we're going to spin
• 19:26
  Speaker 2: throughout our lifetime so we don't have to be stressed
• 19:29
  Speaker 2: out about it now. And we need to have a
• 19:30
  Speaker 2: certain savings going to that plan. But no one wants
• 19:35
  Speaker 2: to just save for anything. I want to save for
• 19:39
  Speaker 2: something specific. If I'm going to save for a trip,
• 19:41
  Speaker 2: I'm going to get excited. If I'm going to save
• 19:43
  Speaker 2: for a car, I know what's happening right now. I'm
• 19:45
  Speaker 2: going to save because i want to up update my wardrobe,
• 19:48
  Speaker 2: so that's exciting. I'm looking at different things that I'll
• 19:51
  Speaker 2: be buying. I do vision boards, I put in little
• 19:53
  Speaker 2: outfits and little things that I want down the road.
• 19:56
  Speaker 1: It's really fun to be able to do that. Now
• 19:59
  Speaker 1: we need to create.
• 20:00
  Speaker 2: Systems as well, So we have to have a plan
• 20:04
  Speaker 2: and we need to create systems of everything that we do.
• 20:06
  Speaker 2: Have you heard of the automatic millionaire? You know these
• 20:09
  Speaker 2: are old school books, but it's still true. When you
• 20:11
  Speaker 2: have automatic savings happening, you are creating a system and
• 20:15
  Speaker 2: you're not thinking about it. You all know that we
• 20:17
  Speaker 2: have a subconscious and a conscious and when we have
• 20:21
  Speaker 2: you ever driven from one place to another, maybe from
• 20:24
  Speaker 2: work to home, home to someone else and you're like
• 20:26
  Speaker 2: you arriving, You're like, oh my god, I don't even
• 20:28
  Speaker 2: know how it got there. That is your unconscious driving
• 20:30
  Speaker 2: that car, because you've done it so many times. We
• 20:33
  Speaker 2: want a lot of things in systems because if you
• 20:36
  Speaker 2: do not have a good relationship with money and you
• 20:39
  Speaker 2: have to deal with it ten times a day, when't
• 20:41
  Speaker 2: you want it to have it on autopilots so that
• 20:43
  Speaker 2: you don't have to actually bring it in your consciousness.
• 20:45
  Speaker 2: Because when we bring something into our consciousness, we attract
• 20:49
  Speaker 2: more of whatever is here. And if you don't believe me,
• 20:52
  Speaker 2: think of a color and see how many times you're
• 20:55
  Speaker 2: going to see that color over the next two or
• 20:57
  Speaker 2: three days. What we focus on persists. So if you
• 21:00
  Speaker 2: have something in systems already built out, already savings to
• 21:04
  Speaker 2: short term goal, midterm goal, long term goal, if that's
• 21:07
  Speaker 2: automatic as soon as your check hits your account, or
• 21:10
  Speaker 2: if you're a business owner, every time you get a
• 21:11
  Speaker 2: new client or monthly, you're going to funnel a certain
• 21:15
  Speaker 2: amount every account, then it's automatically happening and you don't
• 21:20
  Speaker 2: have to worry about it.
• 21:21
  Speaker 1: Because here's the trick.
• 21:23
  Speaker 2: We will spend what we have in our account, y'all period,
• 21:28
  Speaker 2: we will spend what we have in our account. So
• 21:31
  Speaker 2: we want to have those systems to pull the money
• 21:34
  Speaker 2: out as soon as we get it, to pay taxes,
• 21:36
  Speaker 2: to pay our monthly expenses, to pay our midterm goals,
• 21:40
  Speaker 2: our long term goals. We want to make sure that
• 21:42
  Speaker 2: our money's being funneled because what's left, I guarantee you
• 21:46
  Speaker 2: you will spend it. So we want to make sure
• 21:49
  Speaker 2: that we have systems taking place. Here's our goals and dreams.
• 21:52
  Speaker 2: Are you ready zero to three months, one year, three year,
• 21:56
  Speaker 2: five year, ten year plus simple easyps?
• 21:59
  Speaker 1: So your goals and dreams. I also call this wants
• 22:03
  Speaker 1: and needs. Your financial advisor might be calling it that
• 22:05
  Speaker 1: as well.
• 22:06
  Speaker 2: I add wishes on there, wants, needs and wishes because
• 22:10
  Speaker 2: I want to be able to play golf all the
• 22:14
  Speaker 2: time in my retirement. I need to have my medical,
• 22:17
  Speaker 2: my housing, and my food taken care of. And I
• 22:20
  Speaker 2: wish that I could travel to Greece on my beautiful
• 22:26
  Speaker 2: river crews.
• 22:27
  Speaker 1: That's you know, five to ten grand every year. That's
• 22:29
  Speaker 1: a wish.
• 22:30
  Speaker 2: So we want to create our goals and our dreams
• 22:33
  Speaker 2: and our desires accordingly what we really need to have
• 22:37
  Speaker 2: and what we want to have in the future. Like
• 22:38
  Speaker 2: you might want to have a few rental houses, or
• 22:41
  Speaker 2: you might want to build a big ranch or maybe
• 22:43
  Speaker 2: an in law quarters, and you need to make sure
• 22:46
  Speaker 2: that you're not going to run out of money to
• 22:48
  Speaker 2: eat in retirement. I hope that makes sense, all right,
• 22:51
  Speaker 2: Stepping into the three barriers.
• 22:53
  Speaker 1: Finally, three barriers.
• 22:55
  Speaker 2: Number one mindset, Yes, it is mindset.
• 23:01
  Speaker 1: Everybody jumps straight to the dollars and the numbers, and
• 23:06
  Speaker 1: they jumped straight to what exactly do you have and
• 23:11
  Speaker 1: what do you want to have? But I can tell
• 23:14
  Speaker 1: you if we're not focusing on the right things. With
• 23:16
  Speaker 1: our mindset, we're never going to create the wealth we
• 23:19
  Speaker 1: deserve and desire. We have to start with a number
• 23:22
  Speaker 1: one barrier, which is our mindset. So here is your trick.
• 23:29
  Speaker 1: What was the theme.
• 23:31
  Speaker 2: Around money in your household growing up? I hate to
• 23:35
  Speaker 2: tell you, but you already formed your relationship with money
• 23:38
  Speaker 2: before you were ten years old, some before you were
• 23:40
  Speaker 2: eight years old, So you already started creating your beliefs
• 23:44
  Speaker 2: around money and wealth before you even knew what it was.
• 23:49
  Speaker 2: So look back at the theme around your household. If
• 23:52
  Speaker 2: your parents were always arguing over money, money might be
• 23:56
  Speaker 2: a stressor for you, so you're going to never want
• 23:58
  Speaker 2: to sit down and have your money.
• 24:01
  Speaker 1: If you grew up in a.
• 24:03
  Speaker 2: Maybe poor household, or I've even had very wealthy household,
• 24:07
  Speaker 2: however they told you that you were poor, and so
• 24:10
  Speaker 2: you always felt like there was never enough, So you're
• 24:13
  Speaker 2: not going to want to talk about your money or
• 24:15
  Speaker 2: deal with your money because it's a stressful situation. If
• 24:19
  Speaker 2: your parents even divorced and you thought it was your
• 24:22
  Speaker 2: fault because you had to buy pants or buy clothes
• 24:25
  Speaker 2: or whatever it might be for you, you could be
• 24:27
  Speaker 2: having a whole belief in there that is literally blocking
• 24:31
  Speaker 2: your money. So we have to look at the mindset.
• 24:35
  Speaker 2: We have to see where it's at.
• 24:37
  Speaker 1: My mind was work hard, make money, and I definitely
• 24:41
  Speaker 1: adopted that mindset being stepping into a business.
• 24:44
  Speaker 2: Owner right off the bat in my early twenties. We
• 24:47
  Speaker 2: own Oh my gosh, I've owned so much stuff. So
• 24:51
  Speaker 2: and I still do love my job. Now, I definitely
• 24:54
  Speaker 2: change it to I love what I do, so I
• 24:56
  Speaker 2: don't feel like it's work. And I definitely have self
• 25:00
  Speaker 2: health care time. I definitely enjoy my time to solitude.
• 25:05
  Speaker 2: I meditate every morning, I have my healing program happening,
• 25:08
  Speaker 2: I exercise every day, I eat right. My health is
• 25:12
  Speaker 2: very important to me, and so it's very different. And
• 25:16
  Speaker 2: I can say that I have an amazing work ethic
• 25:18
  Speaker 2: because it means a lot to me. So we want
• 25:21
  Speaker 2: to see if that belief is still as the adult
• 25:25
  Speaker 2: person you are, or if it's the child belief. So
• 25:27
  Speaker 2: work hard, make money is the only way to make money.
• 25:30
  Speaker 2: I do not attest to that belief anymore. My belief
• 25:33
  Speaker 2: is now money is coming to me easily and effortlessly
• 25:37
  Speaker 2: because I'm loving my life and I'm putting joy out
• 25:40
  Speaker 2: there every day. So it's different beliefs. I hope that
• 25:44
  Speaker 2: makes sense. So we want to look at our beliefs
• 25:47
  Speaker 2: in childhood. Here's one little homework for you. I just
• 25:50
  Speaker 2: gave this to a new client the other day and
• 25:52
  Speaker 2: she found it very enlightening. Do the little meditation that
• 25:56
  Speaker 2: you walk down the hallway and you open up a door.
• 25:59
  Speaker 2: This is for me. If it doesn't work for you,
• 26:01
  Speaker 2: that's fine. But I open up a door at each
• 26:03
  Speaker 2: age and see if there's any beliefs in there around
• 26:05
  Speaker 2: money or my money relationship. You'll be surprised what you find.
• 26:10
  Speaker 2: I found one that's my chocolate chip, my chocolate chip
• 26:14
  Speaker 2: story that I share that my dad got so angry
• 26:16
  Speaker 2: with me and I realized that I needed to be perfect. Well,
• 26:19
  Speaker 2: that translated over to my perfectionism. And I'm a virgo,
• 26:24
  Speaker 2: so hello, compounding perfectionism there. And I needed to make
• 26:29
  Speaker 2: sure that I was perfect in everything. So I've always
• 26:32
  Speaker 2: had shame and blame around not making enough or enough
• 26:36
  Speaker 2: to someone that I knew that had more than I did. Right,
• 26:40
  Speaker 2: So I was always feeling less than around my money
• 26:43
  Speaker 2: until I realized, oh, I don't aspire to that belief.
• 26:46
  Speaker 2: I am perfectly, imperfect and loving every minute of it.
• 26:50
  Speaker 2: And I love the journey to acquire what we want
• 26:54
  Speaker 2: to acquire and live the lifestyle that we want to live.
• 26:57
  Speaker 2: And finding the joy now is just absolutely transformational.
• 27:03
  Speaker 1: It's amazing. Our second barrier to wealth is trust.
• 27:07
  Speaker 2: I know this doesn't seem right, but I promise you
• 27:11
  Speaker 2: it is because if we don't trust ourselves, we will
• 27:14
  Speaker 2: not make the right decisions.
• 27:16
  Speaker 1: Now.
• 27:16
  Speaker 2: I just spoke with a client prospect. I should say
• 27:19
  Speaker 2: she is amazing. She just fell in love with I
• 27:22
  Speaker 2: spent several hours with her, and she has not decided
• 27:25
  Speaker 2: to move forward or she just ghosted me.
• 27:27
  Speaker 1: Have you ever been ghosted? On dating apps? Clients ghost
• 27:30
  Speaker 1: us as well.
• 27:31
  Speaker 2: And I know that it's all because she doesn't trust herself,
• 27:35
  Speaker 2: So I do not hold it against her at all
• 27:37
  Speaker 2: by any means. I know that I can help her,
• 27:40
  Speaker 2: and I know that I can help her clear that
• 27:42
  Speaker 2: barrier of trust, because when we work on our foundation
• 27:46
  Speaker 2: with money and our relationship, we learn to trust ourselves.
• 27:49
  Speaker 2: We learn to love ourselves, We learn to love our
• 27:52
  Speaker 2: life and what's happening now, and if not, we change it.
• 27:55
  Speaker 2: But we love the journey.
• 27:57
  Speaker 1: So trust. Have you ever been betrayed?
• 27:59
  Speaker 2: Oh?
• 28:00
  Speaker 1: Shocker? Right, have you ever been lied to? I don't know.
• 28:04
  Speaker 2: Did our parents even tell us Undrews? Well, of course
• 28:06
  Speaker 2: they did. So our trust level, even though it sounds strange,
• 28:12
  Speaker 2: there's no easter bunny or whatever that literally translate to
• 28:17
  Speaker 2: trusting other people on doing what they're say they're going
• 28:20
  Speaker 2: to do. So when we have a trust issue, which obviously,
• 28:25
  Speaker 2: if you know my history, I have huge trust issues.
• 28:28
  Speaker 2: Definitely been betrayed by a lot of people in my past,
• 28:32
  Speaker 2: a lot of men as well and women. I could
• 28:35
  Speaker 2: say just maybe two women that I can think of
• 28:38
  Speaker 2: right now, the rest of them men, which does not matter.
• 28:41
  Speaker 2: It brings up the trust issue either way. Right, So
• 28:44
  Speaker 2: if we still have that inside of us, we are
• 28:47
  Speaker 2: not going to trust our own decisions, and then we're
• 28:50
  Speaker 2: going to critique our own decisions heavily, and so we
• 28:54
  Speaker 2: are going to shame ourselves, blame ourselves, and all of
• 28:57
  Speaker 2: that is keeping us away from our desired way wealth.
• 29:00
  Speaker 2: It's keeping us away from the abundance that we deserve
• 29:03
  Speaker 2: and desire. So we have to look inside, and you
• 29:06
  Speaker 2: don't have to go it alone. Definitely, grab a coach,
• 29:09
  Speaker 2: a therapist, someone that knows what it's like. And I
• 29:13
  Speaker 2: love Brene Brown with this right here, being vulnerable, right,
• 29:16
  Speaker 2: she did a lot of stuff on being vulnerable. We
• 29:18
  Speaker 2: don't want to bring somebody with us. It's going to
• 29:21
  Speaker 2: just throw sympathy at us. I was just talking to
• 29:23
  Speaker 2: this with ours, with my soul sisters. We don't want
• 29:25
  Speaker 2: to say, oh no, I feel so sorry for you,
• 29:27
  Speaker 2: I feel so bad for you that this happened to you.
• 29:30
  Speaker 2: That is not what I'm looking for. I am looking for. Yeah,
• 29:33
  Speaker 2: I could see how that would really piss you off.
• 29:36
  Speaker 1: I get that.
• 29:37
  Speaker 2: I can totally understand how you can feel betrayed with that.
• 29:42
  Speaker 2: That is the friend you want to grab and go
• 29:44
  Speaker 2: through this with. You don't need someone to commiserate with
• 29:47
  Speaker 2: you and take you down the negative Nelly road. We
• 29:49
  Speaker 2: do not need that. We just need someone to maybe
• 29:52
  Speaker 2: witness our pain, to validate that, yes, that was real
• 29:56
  Speaker 2: for you at that time, and now what do you
• 29:58
  Speaker 2: want to do with it? Where you want it to
• 29:59
  Speaker 2: go now? So trust is a huge situation. Number three.
• 30:04
  Speaker 2: The third barrier to wealth is the shame and the
• 30:07
  Speaker 2: blame that we put on ourselves, imposter syndrome that we
• 30:12
  Speaker 2: all think of that we should be better, we should
• 30:14
  Speaker 2: have more, which is why I can tell you people
• 30:17
  Speaker 2: don't reach out for help, which was my number one
• 30:20
  Speaker 2: tip was don't go it alone, ask for help. So
• 30:25
  Speaker 2: when we have shame and blame, that keeps us in
• 30:27
  Speaker 2: secret zone and we don't want to say, you know, okay,
• 30:31
  Speaker 2: i'm fifty now and yeah I don't have a whole lot,
• 30:35
  Speaker 2: or I got a divorce and lost everything, whatever it
• 30:38
  Speaker 2: might be, it's not our fault. We did not have
• 30:42
  Speaker 2: the foundation for feminine financial freedom when we were two
• 30:47
  Speaker 2: or three, or four or five or twenty or twenty
• 30:50
  Speaker 2: five or thirty five. We just didn't have the foundation
• 30:52
  Speaker 2: set correctly for us. So we are going to get
• 30:56
  Speaker 2: this stuff straight so that we can help younger people
• 31:00
  Speaker 2: up in the world to make sure that they're looking
• 31:02
  Speaker 2: at the relationship with money, not just the dollar signs,
• 31:06
  Speaker 2: because the F word is the most important thing is
• 31:09
  Speaker 2: how you feel about this. So we want to make
• 31:12
  Speaker 2: sure that we can release as much shame and blame
• 31:17
  Speaker 2: as possible. It can become toxic and it can actually
• 31:21
  Speaker 2: block us from a love relationship, from our children's relationship,
• 31:27
  Speaker 2: from our friendships, everything. It can block so much love
• 31:30
  Speaker 2: from coming in if we are putting up our barriers
• 31:34
  Speaker 2: because of old shame and blame. That's literally toxic. So
• 31:39
  Speaker 2: we need to look through our mindset and make sure
• 31:42
  Speaker 2: that we're not blaming ourselves or anything. We need to
• 31:45
  Speaker 2: look through our trust from way back when, and we
• 31:50
  Speaker 2: need to be educated. So our shame and blame comes
• 31:55
  Speaker 2: from not really educating ourselves on what's really out there now.
• 32:00
  Speaker 2: I have very different beliefs than a lot of other
• 32:02
  Speaker 2: financial advisors out there. I do not believe in wholeheartedly
• 32:06
  Speaker 2: fully funding a four oh one K because I believe
• 32:10
  Speaker 2: that I don't know what the taxes are going to
• 32:11
  Speaker 2: be twenty thirty years from now, and that bucket is
• 32:14
  Speaker 2: going to be one hundred percent text. So I would
• 32:17
  Speaker 2: much rather you get educated on you, your unique situation,
• 32:22
  Speaker 2: your life, your emotions, your feelings around money, and find
• 32:27
  Speaker 2: out what is the plan that's best for you instead
• 32:30
  Speaker 2: of listening to a lot of the other people that
• 32:33
  Speaker 2: are selling to the mass masses that one size fits
• 32:39
  Speaker 2: all dress never looks sexy on you, never looks great,
• 32:43
  Speaker 2: and never.
• 32:44
  Speaker 1: Makes you feel good.
• 32:46
  Speaker 2: So instead of one size fits all, we need to
• 32:49
  Speaker 2: find out what's right for you and you alone, and
• 32:52
  Speaker 2: then we will educate you on what you need for you.
• 32:56
  Speaker 2: Then guess what we get to forgive ourselves for all
• 32:59
  Speaker 2: that time that we beat ourselves up, or all the
• 33:02
  Speaker 2: time that we wasted by not taking care of our money,
• 33:05
  Speaker 2: ourselves and our feelings and our relationship with money.
• 33:08
  Speaker 1: It could be any of that.
• 33:10
  Speaker 2: So we want to make sure that we forgive ourselves.
• 33:14
  Speaker 1: I don't know if you've heard oponent.
• 33:15
  Speaker 2: Oh no, no, I probably didn't say that right, But
• 33:17
  Speaker 2: it's the Hawaiian forgiveness practice. Just YouTube it. It's amazing.
• 33:21
  Speaker 2: Say that to yourself every day and just breathe into
• 33:24
  Speaker 2: forgiving yourself or what you do not know because it's
• 33:26
  Speaker 2: not your fault. Here is one more thing that can hide.
• 33:32
  Speaker 2: This is actually kind of a little bit of a
• 33:34
  Speaker 2: barrier as well. Anger can hide your true emotions. Ah,
• 33:42
  Speaker 2: so we can go quick to anger immediately. I have
• 33:47
  Speaker 2: one trigger right now that I can actually two triggers
• 33:52
  Speaker 2: right now that can trigger me straight into anger. Now,
• 33:54
  Speaker 2: what's behind that anger I can tell you right now,
• 33:57
  Speaker 2: is I'm feeling less than or unworthy or I'm not
• 34:00
  Speaker 2: good enough. So when I feel that someone is when
• 34:06
  Speaker 2: someone is questioning my integrity or my expertise in my industry,
• 34:16
  Speaker 2: I just come in like a Mama Bear like, I
• 34:19
  Speaker 2: go straight to anger and it is really hiding my
• 34:23
  Speaker 2: core wound of feeling unworthy or feeling less than. So
• 34:28
  Speaker 2: when I get to anger, I know, oh, okay, it's good.
• 34:31
  Speaker 2: I'd rather be angry than sad. If you did the
• 34:33
  Speaker 2: Emotional Skal podcast, check out our last week's podcast Around
• 34:37
  Speaker 2: the Emotional Scale with Denise Carbone. That was amazing. So
• 34:40
  Speaker 2: anger is better than sadness or despair or depression. However,
• 34:44
  Speaker 2: it's still not addressing what's really happening. And what's really
• 34:48
  Speaker 2: happening is someone's feeling their feelings and I need to
• 34:53
  Speaker 2: address those feelings instead of getting anger angry. I need
• 34:56
  Speaker 2: to say, okay, I need to put away my feelings
• 34:58
  Speaker 2: of feeling less than.
• 35:00
  Speaker 1: Because I know I'm a mad ass at what I do.
• 35:02
  Speaker 2: I know I'm very good at what I do. I've
• 35:04
  Speaker 2: helped thousands of people. I have one hundred percent money
• 35:07
  Speaker 2: back guarantee which has never been evoked, so I know
• 35:10
  Speaker 2: that I'm very good at what I do. So that
• 35:12
  Speaker 2: little child, that little core wound, pops up when the
• 35:14
  Speaker 2: anger's there. It's like, okay, let's breathe into that anger.
• 35:18
  Speaker 2: Love the anger, but let's see what it's really hiding.
• 35:21
  Speaker 2: It's never what we think it is, y'all when we're
• 35:24
  Speaker 2: mad at something. This is another tip right down immediately
• 35:28
  Speaker 2: when you get angry, write down what you're mad at,
• 35:30
  Speaker 2: what you think you're mad at, and digest that over
• 35:33
  Speaker 2: the next couple days, and then find out what you're
• 35:35
  Speaker 2: really mad at. And if you can't do that alone,
• 35:38
  Speaker 2: I get it. I've had many coaches, love them, grab
• 35:41
  Speaker 2: a coach. So this is I'm showing a slide right
• 35:45
  Speaker 2: now of Stacy Missus Stacy Jackson Smith.
• 35:48
  Speaker 1: She is amazing and it's just sharing that when I've
• 35:53
  Speaker 1: helped her, she changed. She says.
• 35:55
  Speaker 2: Jennifer helped me change my relationship with money from drudgery
• 35:58
  Speaker 2: to fun. Getting organized with the week money date reduced
• 36:01
  Speaker 2: my stress, expanded my confidence, and empowered me to reach
• 36:04
  Speaker 2: new heights in my career. She has come so far
• 36:05
  Speaker 2: from now, So I just wanted to tell you that
• 36:08
  Speaker 2: it's not just you, right. We all feel this way
• 36:11
  Speaker 2: in one way or another. I can say that we can.
• 36:17
  Speaker 2: Some of you might think that you can do it
• 36:18
  Speaker 2: on your own, and you can. You possibly can. If
• 36:21
  Speaker 2: you know you can, you can, Like you have your
• 36:24
  Speaker 2: own path, I can tell you that that could take
• 36:26
  Speaker 2: a lot longer. Once I got my coaches and they
• 36:30
  Speaker 2: sped me up like that, Mayvoo was amazing. She helped
• 36:34
  Speaker 2: me clear a huge belief that I thought in the
• 36:37
  Speaker 2: back of my head that I caused my children's death
• 36:39
  Speaker 2: and that was horrible for me, and she helped me
• 36:42
  Speaker 2: clear that with our whole group, and I cleared it
• 36:45
  Speaker 2: and doubled my income that year, like it was amazing,
• 36:48
  Speaker 2: So grab a coach. Therapists are amazing as well. I'd
• 36:51
  Speaker 2: never be where I was where I am now without therapy.
• 36:54
  Speaker 2: I had to go to therapy to learn where things
• 36:57
  Speaker 2: were coming from, and then I had to go to
• 36:58
  Speaker 2: coaches to put it in my first in my windshield,
• 37:02
  Speaker 2: basically moving forward.
• 37:03
  Speaker 1: How it's going. So please don't try to do this
• 37:05
  Speaker 1: on your own. You definitely need to get support if
• 37:07
  Speaker 1: you have any dysfunction in childhood. Like me and pretty
• 37:10
  Speaker 1: much everybody I know, don't go it alone because it's
• 37:14
  Speaker 1: so much more fun when we have somebody to go
• 37:15
  Speaker 1: with it. So how do I know what steps to take? First?
• 37:21
  Speaker 1: I've given you so much information. Ah, let's take a breath.
• 37:26
  Speaker 1: How do I know? Well, we have to do several
• 37:30
  Speaker 1: things with starting with your goals and dreams right.
• 37:33
  Speaker 2: Number two, how do I know who to trust if
• 37:35
  Speaker 2: you have trust issues? So no wonder why we're confused
• 37:38
  Speaker 2: about finances, like it's crazy. Number three, how do I
• 37:42
  Speaker 2: make the correct decision for myself? That is a huge
• 37:46
  Speaker 2: question that people have because we don't trust ourselves yet.
• 37:50
  Speaker 2: And what should I do when life changes? Maybe I
• 37:53
  Speaker 2: have this great plan and that you have an amazing advisor,
• 37:57
  Speaker 2: but your life has changed, maybe divorce, maybe an inheritance.
• 38:01
  Speaker 2: I have a lot of people that have come into
• 38:03
  Speaker 2: a lot of money through COVID and they don't know
• 38:05
  Speaker 2: what to do. Number five question, how do I know
• 38:08
  Speaker 2: if I'm doing the right thing for me? So a
• 38:12
  Speaker 2: lot of people have these questions. You are not alone.
• 38:15
  Speaker 2: Number six, how do I know I'm not going to
• 38:18
  Speaker 2: outlive on my money? Like that's a drum roll, Like,
• 38:21
  Speaker 2: how do I know I'm not going to outlive my money?
• 38:24
  Speaker 2: That is the number one fear people have is they're
• 38:26
  Speaker 2: not saving enough. Here's another another testimonial from missus MJ
• 38:33
  Speaker 2: love her. I love working with Jennifer. It's so fun,
• 38:35
  Speaker 2: not only because she has a lot of expertise that
• 38:37
  Speaker 2: she brings to the table, but her personal experiences that
• 38:40
  Speaker 2: help support other aspects of your financial life as well.
• 38:42
  Speaker 2: If you're ready to take charge of your financial health
• 38:44
  Speaker 2: and amazing support, Jennifer's a perfect match.
• 38:46
  Speaker 1: I love MJ.
• 38:46
  Speaker 2: She's awesome, She's absolutely amazing. So ask yourself, what if
• 38:54
  Speaker 2: what if all this was possible? What if you had
• 38:58
  Speaker 2: the finance?
• 38:58
  Speaker 1: Found?
• 38:59
  Speaker 2: The finance is to have the lifestyle of a financially
• 39:04
  Speaker 2: free woman. How would that feel to be financially free?
• 39:07
  Speaker 2: So here's your three keys, which I've talked about earlier.
• 39:10
  Speaker 1: You need to have a team. We need to have
• 39:13
  Speaker 1: a team. Don't go it alone.
• 39:14
  Speaker 2: You have to have systems put in place automatically right
• 39:17
  Speaker 2: here in your team. A financial advisor, a tax person,
• 39:21
  Speaker 2: a money mindset coach, investment manager, financial educator, retirement planner,
• 39:26
  Speaker 2: insurance agent. Your system. You need to have a cash
• 39:29
  Speaker 2: flow system, a money timeline. You need to know where
• 39:35
  Speaker 2: your money's going and win. You need to have your
• 39:37
  Speaker 2: custom money blueprint. You need to have your money success system,
• 39:42
  Speaker 2: your cash flow system, your bucket strategy. All of this
• 39:45
  Speaker 2: I do in my Diamond Life programs. So I hope
• 39:48
  Speaker 2: you rewind this and listen to it again because it's
• 39:53
  Speaker 2: going to give you a lot of information. Here's the
• 39:56
  Speaker 2: third thing that's missing. Are you ready? The third thing
• 40:00
  Speaker 2: that's missing is you need a money healing. That is
• 40:04
  Speaker 2: what's missing. We have amazing financial advisors in this world.
• 40:08
  Speaker 2: You might even have one yourself, and nine times out
• 40:13
  Speaker 2: of ten, even like ninety nine million times out of
• 40:16
  Speaker 2: a billion, we literally are missing the healing portion of
• 40:21
  Speaker 2: your money. I think that's what how I come into
• 40:25
  Speaker 2: it and makes it very different. So we yes, we
• 40:28
  Speaker 2: definitely need a team. We definitely have the barriers to wealth.
• 40:30
  Speaker 2: We need systems, but we need to have that healing.
• 40:35
  Speaker 2: So we want to make sure that your healing includes
• 40:39
  Speaker 2: your money wounds. Maybe your family told you that you know,
• 40:45
  Speaker 2: you were the last kid and we didn't have any
• 40:48
  Speaker 2: money for you to go to college. Maybe maybe you
• 40:50
  Speaker 2: actually have a money trauma. I've had let go of
• 40:55
  Speaker 2: so many millions of dollars throughout my life because something
• 40:58
  Speaker 2: didn't feel right. That could absolutely be stuck in your
• 41:02
  Speaker 2: body as a trauma. Maybe you were divorced and lost everything,
• 41:06
  Speaker 2: or divorced and did not use your voice and spick
• 41:08
  Speaker 2: up for yourself and did not get what you really
• 41:11
  Speaker 2: should have received. So that's a trauma. Maybe you were
• 41:15
  Speaker 2: suffered from the two thousand and eight crisis and lost
• 41:18
  Speaker 2: a home, or like myself, a couple rentals like that
• 41:22
  Speaker 2: is a trauma. Right, Maybe you lost a business or
• 41:24
  Speaker 2: the business failed and you blame yourself.
• 41:27
  Speaker 1: So we need to address these just fears, money fears.
• 41:31
  Speaker 1: We need to address money fears. So what are you
• 41:34
  Speaker 1: afraid of? Like the last person that I just spoke to,
• 41:37
  Speaker 1: and she didn't say yes, she didn't even say no,
• 41:39
  Speaker 1: she wouldn't even come back on. And I'm pretty easy
• 41:42
  Speaker 1: to talk to, right, So I know that it's her
• 41:45
  Speaker 1: money fears that are holding you back. And I can
• 41:47
  Speaker 1: tell you that is the biggest thing that held me
• 41:50
  Speaker 1: back on that roller coaster forever with the fear of
• 41:54
  Speaker 1: that money trauma that I had. And once I cleared that,
• 41:58
  Speaker 1: oh my gosh, it's so exciting.
• 42:00
  Speaker 2: I love it. I love love, love life, I have joy.
• 42:04
  Speaker 2: Makes me feel really good to share my money with
• 42:06
  Speaker 2: people that I truly, truly adore and want to aid
• 42:11
  Speaker 2: to their lifestyle. Like I love to give my coaches
• 42:14
  Speaker 2: money because it's like, oh my gosh, now you get
• 42:17
  Speaker 2: to go on a vacation or go do something, or
• 42:19
  Speaker 2: my money's helping you, right, And I have my clients,
• 42:23
  Speaker 2: I tell them what I'm doing with their money. I
• 42:25
  Speaker 2: had a dental issue last year and I just had
• 42:28
  Speaker 2: two more teeth done again thousands of dollars, And I
• 42:30
  Speaker 2: tell them, oh, you just bought my first for front teeth,
• 42:33
  Speaker 2: and like, oh, I'm so glad I can help them, Like, yeah,
• 42:35
  Speaker 2: you're helping me be healthy. Why not talk about money
• 42:39
  Speaker 2: like it's real? We all do it, so why don't
• 42:42
  Speaker 2: we spend it where we want to spend it. Money
• 42:45
  Speaker 2: insecurities is another big thing that we need to address
• 42:49
  Speaker 2: in our money healing because we're we if we don't know,
• 42:53
  Speaker 2: if we're not educated, and most of us did not
• 42:55
  Speaker 2: have our grandpas or our dads take us aside and
• 42:58
  Speaker 2: say hey, let's buy the stock when you're fine five
• 43:00
  Speaker 2: or ten like the men did. Boys have been dealing
• 43:03
  Speaker 2: with money and have a different mindset around money than
• 43:06
  Speaker 2: we do. We attribute everything to the relationship, and so
• 43:11
  Speaker 2: everything what we have with any relationship at all shows
• 43:14
  Speaker 2: up in our relationship with money. So our insecurities show
• 43:17
  Speaker 2: that we need to heal those insecurities around our money
• 43:21
  Speaker 2: for sure. Number five our money story. So let's look
• 43:26
  Speaker 2: back and see what your money story's been. But now
• 43:29
  Speaker 2: we're going to create our new money story. We're going
• 43:32
  Speaker 2: to fall in love with money. I have a class,
• 43:35
  Speaker 2: it's called Financial Foreplay. I love it like I want
• 43:38
  Speaker 2: you to fall in love with money and have an
• 43:40
  Speaker 2: amazing relationship with money like I do.
• 43:42
  Speaker 1: It's so fun. I love it now. Is it always
• 43:45
  Speaker 1: one hundred percent perfect?
• 43:46
  Speaker 2: Of course?
• 43:46
  Speaker 1: Not? Nothing is it? Nothing is? And that's okay.
• 43:51
  Speaker 2: Like even when I'm dipping down into not the best
• 43:54
  Speaker 2: feelings around my finances or anything or anyone, because it
• 43:58
  Speaker 2: all is related, I'm like, Okay, great, on the other
• 44:01
  Speaker 2: side of this, I'm going to learn so much. It's
• 44:04
  Speaker 2: going to feel so good just on the other side
• 44:07
  Speaker 2: of this.
• 44:07
  Speaker 1: So I actually don't get so.
• 44:10
  Speaker 2: Upset now when I have the contrast, as Abraham Hicks says,
• 44:13
  Speaker 2: or the negativity or the dip of the depression or
• 44:16
  Speaker 2: sadness or whatever, because I know I'm going to pop
• 44:19
  Speaker 2: out of it and on the other side it's going
• 44:21
  Speaker 2: to be something new and inspiring and amazing.
• 44:24
  Speaker 1: So your money.
• 44:25
  Speaker 2: Story is very, very important, and these are the things
• 44:29
  Speaker 2: that are missing. And other programs or other financial advisors
• 44:32
  Speaker 2: or anybody talking about money. It's the psychology of money
• 44:36
  Speaker 2: that's so important. We must address it the F word,
• 44:39
  Speaker 2: the foundation. How do you feel about your financial freedom?
• 44:45
  Speaker 2: We want to be able to get that now. So
• 44:47
  Speaker 2: everybody play a little game with me. Right now, let's
• 44:49
  Speaker 2: see we have five minutes left, Okay, so we're going
• 44:54
  Speaker 2: to think of something that brings us so much joy
• 44:57
  Speaker 2: that it could be your cat, your spouse, laying on
• 45:00
  Speaker 2: the beach, like right now, I'm going to Cabo in
• 45:03
  Speaker 2: a couple months, so exciting that it's a gift, a
• 45:06
  Speaker 2: gift from some friends of mine, and it's for my birthday,
• 45:10
  Speaker 2: so I'm so excited. I'm picturing lying on the beach
• 45:13
  Speaker 2: in an amazing change lounge which has patting because it's
• 45:18
  Speaker 2: you know, special, and I hear the ocean, the sun's
• 45:22
  Speaker 2: hitting my face, I have an amazing Pina colada next
• 45:26
  Speaker 2: to me, or something exciting that, Like if you can
• 45:29
  Speaker 2: picture anything that brings you joy right now, I literally
• 45:32
  Speaker 2: have joy in my heart right now. It feels so good.
• 45:35
  Speaker 2: So now I'm going to attribute that to my savings
• 45:38
  Speaker 2: every month, because I'm putting away a little bit every
• 45:41
  Speaker 2: month to be able to spend in Cabo. So that
• 45:45
  Speaker 2: makes me excited to save that money to do that.
• 45:48
  Speaker 2: The feeling of financial freedom is free, y'all.
• 45:53
  Speaker 1: You can have the feeling right now, and what we
• 45:55
  Speaker 1: put out we get back. So the more I put
• 45:59
  Speaker 1: out the feeling of joy and the feeling of happiness,
• 46:02
  Speaker 1: the more experiences and opportunities they are going to come
• 46:05
  Speaker 1: my way to experience more joy and freedom. It's so amazing.
• 46:10
  Speaker 2: I promise you what you focus on persists, So don't
• 46:13
  Speaker 2: forget about the psychology of money. Oh here's miss Denise Carbone,
• 46:17
  Speaker 2: Love Love Lover. Before working with Jennifer, I would be
• 46:20
  Speaker 2: quite at a family get together whenever the topic turn of
• 46:22
  Speaker 2: finances are investing. I felt stupid around my brothers and
• 46:26
  Speaker 2: I had nothing to really contribute because I was just
• 46:28
  Speaker 2: a girl. I never got the same education that they
• 46:30
  Speaker 2: did about important topics. Jennifer helped me educate, and the
• 46:34
  Speaker 2: way it made sense. She explains things in terms how
• 46:37
  Speaker 2: our decisions affect us emotionally and how our emotions affect
• 46:40
  Speaker 2: our decisions, which is a woman I appreciate. I now
• 46:43
  Speaker 2: confidently speak up whenever the topic relates to money and wealth.
• 46:46
  Speaker 2: My brother's even come to me for advice, and I
• 46:48
  Speaker 2: feel confident managing my money and love watching my wealth
• 46:51
  Speaker 2: accounts grow. Denise Carbone literally is on this podcast with
• 46:55
  Speaker 2: My Soul Sister series Check that out. And she just
• 46:58
  Speaker 2: did last one last week with me as well, around
• 47:00
  Speaker 2: the Law Attraction in Abraham Hicks.
• 47:02
  Speaker 1: So check out Denise. She's absolutely amazing. And this is
• 47:06
  Speaker 1: her in her new BMW y'all picture, a convertible white BMW.
• 47:11
  Speaker 1: She looks so darn cute and it's awesome. So let's
• 47:15
  Speaker 1: just dedicate your time to get off the money roller
• 47:19
  Speaker 1: coaster and as Oprah says, celebrate. The more you praise
• 47:23
  Speaker 1: and celebrate your life, the more life there is to celebrate.
• 47:26
  Speaker 1: Miss Oprah Winfrey, I love her, so I want you
• 47:30
  Speaker 1: to have your diamond life. What would your diamond life
• 47:32
  Speaker 1: look like? What could actually be possible like if you.
• 47:38
  Speaker 2: Literally had feminine financial freedom? What could you possibly do? Okay,
• 47:44
  Speaker 2: I'm done sharing the slides now. I just want to
• 47:47
  Speaker 2: finish this last minute or two with you. I am
• 47:50
  Speaker 2: just so happy you sat through. If you're still here,
• 47:54
  Speaker 2: I'm so happy you sat through this. I want love
• 47:57
  Speaker 2: for you to go to ROCKMF dot com and schedule
• 48:00
  Speaker 2: a fifteen minute.
• 48:01
  Speaker 1: Chat with me.
• 48:01
  Speaker 2: If you're hearing my voice and that link is still working.
• 48:05
  Speaker 2: Like I'm giving complimentary fifteen minute chats and see if
• 48:09
  Speaker 2: there's any way that I can help you. So jump
• 48:10
  Speaker 2: on my calendar for a complimentary money breakthrough session and
• 48:14
  Speaker 2: let's see if we can get you in the next
• 48:16
  Speaker 2: step in your financial freedom. Let's see if we can
• 48:19
  Speaker 2: find out what's blocking you. And I'm very good at that.
• 48:22
  Speaker 2: I promise you I'm very good at finding out what's
• 48:25
  Speaker 2: blocking people. Thank you so much for being with me today.
• 48:27
  Speaker 2: I greatly appreciate it. I want you all to feel
• 48:30
  Speaker 2: the feminine financial freedom. Check out the other podcasts, download, subscribe,
• 48:35
  Speaker 2: share it with a friend, because you want to be
• 48:37
  Speaker 2: on that beach with your friends, right, So, when you're
• 48:39
  Speaker 2: going to Cabo, or when you're going to your hike
• 48:42
  Speaker 2: or wherever you want to go for a retreat on vacation,
• 48:45
  Speaker 2: you want to make sure that your besties are with you,
• 48:47
  Speaker 2: the people that want you want to spend money with,
• 48:50
  Speaker 2: so you have to make sure that they are also
• 48:52
  Speaker 2: feeling the feminine financial freedom. So go grab a friend
• 48:56
  Speaker 2: and check that all out. And I love to see
• 48:59
  Speaker 2: you around here more and more. So check out all
• 49:02
  Speaker 2: the other podcasts as well. We have a lot on
• 49:04
  Speaker 2: wealth building wealth, we have a lot on what's holding
• 49:07
  Speaker 2: you back?
• 49:08
  Speaker 1: And I look forward to seeing you soon.
• 49:10
  Speaker 2: I want you all to be able to say I
• 49:12
  Speaker 2: rock my finances.
• 49:14
  Speaker 1: Thank you so much.
• 49:15
  Speaker 3: We appreciate you joining us today, and don't forget to
• 49:18
  Speaker 3: subscribe to the rock my Finances YouTube channel for more
• 49:22
  Speaker 3: engagement and bonus content. Tell me what is your money story?
• 49:27
  Speaker 3: Let's find out with Jennifer four pm Eastern one pm
• 49:30
  Speaker 3: Pacific every Thursday right here on K four HD Radio
• 49:34
  Speaker 3: and Talk for TV. It's not about the zeros, It's
• 49:38
  Speaker 3: about the F word, feeling, feelings. Jennifer can't wait to
• 49:42
  Speaker 3: explore with you next week. Until then, let's all say
• 49:46
  Speaker 3: I rock my Finances.