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Mastering Financial Wellness with Veronica Deraleau · Authentic Living

0:01
Welcome to Authentic Living with Roxanne, a place where we have conscious conversations
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And now here's your host, Roxanne Durhaj.
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Thanks for tuning in to Authentic Living with Roxanne, creating the space for positive,
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Roxanne is a keynote speaker, psychotherapist, and coach.
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We'll see you next time on Authentic Living with Roxanne.
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Hi, everyone.
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It's, Roxanne Dorhoch.
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Thanks for hanging out with us again this week.
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Today, I have a special guest, and it's Veronica Villarue.
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And I did I hopefully, I said that properly, Veronica.
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It's a beautiful last name, but one of those ones that you really have to stress.
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Mhmm.
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So Veronica brings a pretty interesting background, and she is a a financial coach.
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I think one that most of us need to have conversations with.
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And she's her background is you're you're an author.
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So she's written a book, making money making money is simple.
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And she has in that book a model that we'll hopefully talk about.
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It's called the Araya money ARIA or ARIA money method.
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ARIA.
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ARIA money method.
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That's my Caribbean accent coming in there.
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So she's she's been an opera singer, a financial technology manager, and she was also
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in The US, arm she's a US army veteran.
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Pretty amazing.
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And she her book kind of looks at putting details into action and the mindset that it
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took to pay off a hundred thousand dollars debts in just three years on a on on average
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salary.
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So, Veronica, thanks so much for being here with us today.
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I appreciate you hosting me, and thank you, Roxanne.
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So how does one kinda set off to become a financial coach?
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Was that something that you kinda decided that you wanted to do, a path that kind of led you
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there?
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Definitely, there was a path that led me there.
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I have always had these dual corporate and creative careers.
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So I graduated back at during the great recession, and I started working for startups,
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sort of one of the available jobs back then.
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And I immediately loved it, and this was in commercial energy.
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And I kinda bounced around different commercial business industries, so from energy, real
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estate, financial technology.
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And but then I always also had the creative career as an opera singer.
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And what happened with that is I was grad I had graduated with my MBA in 2017.
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I was extremely motivated to pay off the debt because I was trying to combine lives with my
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then boyfriend, now husband, and I just wanted to be able to pursue my dreams of singing.
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And and I was also working in starting a career in commercial real estate.
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So I was super motivated and wanted to move on with my life, and we wanted to buy a home
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together and get married and all that good stuff.
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So I started working for this commercial real estate company.
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And despite having business degrees, I had this theoretical knowledge.
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I had an economics degree from my undergrad, and I had this MBA with a focus in real estate
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for my graduate degree.
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And then once I started working in commercial real estate, I quickly realized how unstrategic
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I was in my own personal finances because I was working with these multimillion dollar property
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budgets that were had very long term outlooks, and you could literally back into the numbers
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to create these results.
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And I was I just had this moment of, wow.
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I've just been sort of managing paycheck to paycheck, living literally paycheck to paycheck
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and not really having that long term mindset when it came to my personal finances.
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So once I was able to put those two things together, I was able to quickly turn it around.
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And I like I said, I pay I paid off a hundred like you had mentioned, I paid off over
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$100,000 of debt in just three years on entry level salary.
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And then that brings me to 2020, COVID hits.
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I have a great amount of creative friends that lost their employment overnight with canceled
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artistic contracts in the singing world, and I just felt very called to share my knowledge of
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personal finances and my own personal journey with that and be able to help, you know, at
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first creative artists.
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And I started back then just doing sort of informal webinars.
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And then I that had been kind of in the background.
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I then switched to financial technology that year and was working my way up in that company
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and then revisited it in late twenty twenty three and started putting the building blocks
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for the financial coaching business because it just stuck with me for several years after
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that.
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So what were some of the basic things?
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I I think a lot of people you're right.
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You're a good example of somebody that have learned all the relative or significant, I'm
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gonna say, models and and things to to have a business background.
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But like you said, when it came down to the specifics for your own financial, you had
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already thought about, like, a one, three, or five, and twenty year plan.
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So when you started to, I'm gonna say, re reverse engineer it into your own personal life
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with that hundred thousand dollars debt, tell me what someone what was some of the basic
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things that because I think I'm sure the average person listening is here saying, oh my
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god.
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Tell me what you did.
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Absolutely.
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I think that being super intentional was part of it.
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And so my book, Making Money is Simple, is really about the mindset that it took to get to
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that point.
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Just being very done and sick of my current situation and what being super motivated to
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make it happen quickly and being willing to make the trade offs that that required, that's
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a huge part of it.
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So I have my ARIA money model as a four step process.
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Each it's an acronym, and each letter has a step of the process for the mindset that is
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required to make those kinds of changes and make things happen quickly.
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And then, really, the mechanics of it is just being super intentional, getting started with a
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budget, spending every dollar with care, and being intentional about it because with without
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having the plan, you just have this default and money can quickly go away.
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So it can just get sucked up by mindless impulses.
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Of course.
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Because you kinda see that a nice purse or or, you know, there's a trip to New York City and
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it's a 30% off and it wasn't on my bucket list, but now it becomes so it's you're right.
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We flit around with money.
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So tell us about the about the model.
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Like you said, it's a mindset.
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Right?
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Like, at the end of the day, we're impulsive and now everything is digitized.
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And, you know, we we've lost that that connection to that real if we're gonna have to
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take out $500 to pay for something, you kinda look at the money and it slows you down.
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But now we've kind of completely lost that in every sense of the word.
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Right?
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We've gone to etransfer for everything or, Venmo or everything is getting, paid by credit
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card, those types of things.
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So tell me a bit about the model and the mindset because I think that, for me, I'm
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curious to know what's involved in it.
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Absolutely.
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Okay.
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So the ARIA money model is a for awaken, so becoming aware of where is my money currently
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going and how in the world did I get to the place where I am today.
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Because it that all what you said with the not having the tangible money to feel and feel like
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you're giving it away is all by design.
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Right?
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They make it so easy to spend money.
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That's not an accident.
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And so a is just taking that first step and putting it down and putting it down on paper.
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Like, where actually am I spending my money?
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And does it have anything to do with what I actually wanna be spending on and where I wanna
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want my goals to take me?
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So a for awaken.
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Then r is for reframe.
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So that's reframing your thoughts around money, really digging in, like, okay.
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What is causing me to impulse spend in certain areas or not be spending it where I want to be
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spending it, getting down to the root causes of that, or even just realizing where you might be
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able to add friction where right now, for example, not saving your payment instructions
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to be able to make those purchases.
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So, like, where can I add back in friction where it's just too easy for me to be spending
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money right now?
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So reframing your thoughts around money, getting clear is the next step.
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So I is for intention.
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Getting clear around, okay.
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I've uncovered where my money is going.
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I'm at the point where I'm willing to reset the trade offs that I'm making.
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And then where is it that I actually want my money to be going?
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Getting clear on those goals, getting clear on the intentions and values behind where you want
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your spending to be.
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And then the last a is for taking action.
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So all of that money mindset stuff needs to happen first.
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Otherwise, you're constantly going to be fighting against yourself if you're just not
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mentally prepared to make those trade offs.
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Which is tough.
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Right?
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Because if you think about the world that we live in, it's so consumer driven.
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It's about, you know, kind of the the new the new iPhone 17 or the, you know, or when you
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think of social media and what people put out there, it's the new bubble of some sort, be it
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a new car or, oh, somebody's in Paris or they're in the they're in the Hamptons or
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they're skiing in Quebec.
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Like, so we're always lost in what's being put in front of us.
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And so much of that we're ingesting.
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It's like a it's like a free for all.
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And, like, you said something when we talked a little bit about connection and authenticity
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that a lot of people get overridden by their values.
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So I want you to talk a little bit about what you do with people when you work with them to
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help them really come to terms with my actions are out actually out of alignment or I get
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caught up by things and what kind of simple things they have to start doing to make that
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shift because that can't be easy.
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Yeah.
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Definitely not.
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I think that some people, they'd be surprised how quickly they can turn it around if they
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just devoted a year to cleaning up their finances.
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It really is about the delayed gratification.
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So it's I'm not telling them to do it forever.
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I'm just saying, hey, guys.
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There's limited resources here.
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How do we wanna best utilize those resources?
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And it's it there will be an element of sacrifice because we got here by default
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somehow.
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But it doesn't have to be forever.
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It'll be for this time frame.
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And it looking back, you'll be where you actually wanna be.
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You'll actually have something to show for all of your hard work.
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When we go through the values exercise, often people, they don't they're not telling me that
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they want a material things.
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They're telling me they want these bigger milestones to look back on or they want family
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experiences.
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I think, universally, these are true, but they just sort of get so much bombardment from
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social media, like you say, and I talk about that in the book.
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I grew up pre social media, which I think was a great benefit because there I didn't have the
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comparison trap.
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And so it is constantly in our faces these days and can quickly lead us astray from those
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goals.
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And yeah.
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So I think it's being super clear of, like, where are my dollars going now?
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What actually are my values?
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How do we get those lined up?
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And just realizing it's not gonna be forever that we have to do this, but if we have been
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going on for many years down a non like a, sorry, unproductive path, it might there might
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be some sacrifice that's required upfront to sort of course correct.
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Which is hard.
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Right?
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Because a lot of people say, well, I wanna do it, but now you're telling me I have to take
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this path that's gonna take me off.
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Like, a year is not in the big scheme of things, it's not that much.
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But people are so accustomed to just kinda running their lives from the unconscious until
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something becomes critical to your point.
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Right?
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I'm having to save for, two children's education, but I'd love to go on those trips
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now.
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I'd like a lot of you hear a lot of people, and they try to do it all.
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And you and really at the end of the day, to your point, you can only do some things you
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have to delay even though it's a oh, I'd love to have that yesterday.
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But to already if it's peace of mind, like you said, like or, like you said, experiences with
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with family or milestones, those types of things, those aren't actual things.
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That's not the nice watch or that's not the the brand new suit for, you know, for the fall
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twenty five.
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That's more just about the feeling that the person's trying to get, but most people aren't
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stopping to think about that until or do a lot of people come forward before they start to
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realize they're in trouble.
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Mhmm.
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Yeah.
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That's right.
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It is tough.
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That's that is what I'm seeing a lot of is, like, very tough situations with inflation and
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people sort of getting started very late when they have a crisis situation happening, or
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they're just one of the first conversations I have during discovery calls is how long have
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you been dealing with the situation and kind of trying to put a cost around that so that they
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can actually see how much they've lost already
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Mhmm.
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Sort of feel that a little more tangibly.
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Okay.
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Okay.
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And do you find that wakes people up or they what kind of people would come to you and
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actually take your guidance and which ones are like, Veronica, this is all well and good, but
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I think I'll have to maybe call you back in six months.
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Like, what's the motivation generally for people to make changes around money?
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Is it critical often or if people are coming to you sooner before it gets too critical?
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Yeah.
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I have a
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few different types of client of prospects and clients that come to me.
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Clients that I love to work with are those that have seen recent increase in income, but maybe
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they're not seeing progress on debt, saving, and investing kind of thing.
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So, really, they have the resources.
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It might be very new to them.
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For example, someone who was working to become a doctor, and they've only known sort of being
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lower income, but now they have a lot of money.
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But what the heck do I do with it?
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That's a good problem to have.
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So I'd love working with those clients because they have the resources available to them.
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It's just being strategic and realizing like, hey.
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I have an opportunity here to really make some positive changes and some leaps in progress.
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So I please give me some guidance there.
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So that's always a wonderful situation to be in.
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And then, of course, there are those who do find themselves in more of a crisis situation.
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So I think we really have to connect with those values.
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If they are in, like, a sandwich generation type situation where they're caring for elderly
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and they have young children, if they're super motivated because they have young children that
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depend on them, they could be ready to go mind mentally to make drastic changes and make
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progress.
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We also sometimes I've had clients that come through and they are suffering from divorces
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that, you know, sort of, like, in their forties.
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Maybe they're like, I have to do something right now because I'm running out of time.
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And then, of course, the older you get, it's more pressing.
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So into your fifties and even sixties, they're just, wow.
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I I really need to make something happen.
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And so that can be a source of motivation as well.
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It's just I have a limited amount of working years, and I really wanna make a change.
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So at that point, you're re I guess, you're re the older the person is, you have less time to
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work with it.
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So so you're really there'd be different strategies for those different types of client.
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I would think they the newly new doctor might have a bit of debt, but he or she has a lot of
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income, so you could that probably would be a clear path.
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The young parents, they know they probably have, say, say, sixteen years to plan for
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education and those types of things.
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But the older person, they have less time till retirement.
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Is it that you have to do a more aggressive things for the older someone gets, or it just
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depends on the individual cases?
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It does depend on the the individual cases, but I would say, generally, yes.
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That's true.
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Of course, if you have less time, there's less room for investing growth and compounding
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growth naturally.
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And so it's I and then, of course, the older you get, the less able you are to work a
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second, third job.
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It just gets very taxing.
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And so then what is the most actionable thing is cutting.
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Unless there are certain specific situations, like, I've had people recently that I've talked
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to where they are taking care of an elderly parent, and so maybe you explore something with
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being compensated for that.
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There's different Medicaid programs for, like, family caregivers or something like that.
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So it depends on the individual situation, but, of course, generally, the older you get, the
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less time there just is for natural financial compounding to occur.
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What are some of the common blocks or, objections that you get from people that about
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making change?
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What what what are some of the things that you go, oh, boy.
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I've heard this, so often.
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What what are some of the things that you people should say to you?
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Yeah.
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For me, it's great being having, like, that objective coach because I ask them to fill out
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a budget to start and, like, let's look at this without emotion or try to pull the emotion
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away.
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And for me, it really is black and white.
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Like, there's income and there's expenses.
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And if they're upside down, something needs to change.
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Otherwise, they're going to just continue down this path that's not great.
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I think, really, it's tough in the Western world because there are so many things that are
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taken for granted as baseline defaults operating costs.
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In my book and I'm not sure how into detail I go with what we cut, but in my book, I in the
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first chapter, we talk about my husband and I lived for a year in an apartment and we wanted
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to save for a house and we had no furniture in there.
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We didn't even have Internet in there.
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I would go down the street and use the Starbucks Internet.
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I would walk a mile down the street.
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So things that people really take for granted, we looked at every cost and figure it out
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because we were just super motivated to make it happen quickly.
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So things that today are taken for granted as I need this thing, I don't think our actual needs
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sometimes, but that is a very hard message to get across.
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Sometimes I'm like, hey.
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Do you have things that you could sell?
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That's really tough, like, letting go of things that
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you Yeah.
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And then then you're thinking, what do you what do you want me to sell?
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You have to but, really, if you're that pointed, I guess there's probably a lot of
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things around your home or things you're not using and stuff like that, but then you think,
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would it make a difference?
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But I guess, like you said, everything becomes cumulative with an actual plan.
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Yes.
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For sure.
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Yeah.
20:09
Yeah.
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So, look, really examining every every expense critically and, like, is this actually am I
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gonna die by not having this temporarily?
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Mhmm.
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Sometimes that's what it comes down to.
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If you actually want to dig out from a big hole, sometimes that's what's what is required.
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Or, you know, are you on the flip side, are you willing to take on more work?
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Are you willing to take on a second job temporarily?
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And, you know, the older you get, like, the less able Hey.
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You just don't have the energy.
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You don't have the energy or when you're in your twenties or thirties and you're, like,
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thinking working the second or third job.
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Yeah.
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No big deal.
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But when you start to get older, definitely less time plus less energy or energy that you
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might have, you might wanna spend it on different things.
20:54
Mhmm.
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I often see sorry.
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One more thing that just occurred to me is, like, relationships.
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A lot of the a lot of times, I'm I've been seeing a lot in the market, like, not examining
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all resources from all parties involved in relationships when the relationships are
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communication is not great and they're not using all resources available, meaning both
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incomes and cumulative expenses, so that can definitely work against them.
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And then also multigenerational households.
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If someone is older but they have, like, adults children and they're not considering all of the
21:28
available resources that can often get, you know, unbalanced as far as the older person is
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taking on the majority of the cost, but they're the one with less years.
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So I'm seeing a lot of that too.
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So let's talk a little bit about, I think, what's kind of pressing is the economic times.
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Are you finding that a lot of people are are starting to think about it?
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Seriously, like, in this time, like, we know that there's a lot of things happening,
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obviously, in your company in your country, it's happening in our country.
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There's things to come.
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Do you find that a lot of people are coming forward starting to think about planning?
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Should our economies see a bit of a slump?
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I think so.
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I I it's hard to untangle whether I I think, of course, that has been in the last few years
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with even just since COVID really, disrupted a lot of the bigger macroeconomic trends.
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I think that has been true.
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A lot of the, like, mass layoffs that are happening, I think that is causing stress and
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then, of course, the inflation.
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Also, though, just the presence of social media and having it more in your face, I think, like,
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that can't be untangled from that as well.
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Some people have talked to me about how, wow.
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I didn't I actually didn't realize how far off I was until I got on social media and saw, oh
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my gosh.
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There's people that think about this all the time and are so far ahead of me.
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So there's a a a little bit of that as well.
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So when you coach someone and you've kinda whittled down what their values are, like we
23:01
talked about, and wanting to have that best life possible.
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And let's say someone's really had to work hard and they're actually starting to see the
23:09
changes.
23:09
What how do you how do you see what kind of things do you see with people like that that
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have made sometimes drastic?
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Maybe you have to work through things with them pulling and dragging them, but they eventually
23:20
get there.
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And they start to see glimmers of that.
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What what experiences can you maybe give us an example of something that you've experienced
23:28
with someone you've worked with and kind of how it's played out?
23:32
Definitely.
23:32
Yeah.
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So I think one of that is really the beautiful thing that, like, is so in invigorating when I
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do coaching is you'll just see those their eyes light up like, oh my gosh.
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I'm gonna own something for the first time.
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Like, I've always just been in this debt cycle and never owned anything and just leased and
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financed things.
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And, oh my god.
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I'm gonna own something for the first time.
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Or, oh my god.
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I'm I'm gonna pay off all my debt.
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This is insane.
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I've never not had debt in my adult life.
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Or, oh my gosh.
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I can see the few like, a positive vision for the future because we've worked through if we
24:07
do, you know, invest this amount over this course of this period of years, it's going to
24:12
turn into this.
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And now I can feel financially secure, and I feel I just feel safe, and I feel, like, cared
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for.
24:20
So, yeah, there's, like, the you see the relief, the unburdening, the peace.
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Mhmm.
24:28
And, yeah, the feeling of security is really beautiful.
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Nice.
24:34
A nice feeling.
24:35
And then then, of course, when you see them actually making some tough decisions and
24:39
following through with it, I'm sure at times people say I can't do this, but when they
24:43
actually do, it must be refreshing.
24:46
So in in your let's say people are listening and they're making good money, but they're on
24:51
that treadmill, like you said, the day in, day out, accepting that we all we all have a
24:55
certain amount of debt or, yeah, it's not everybody's in the same boat.
24:59
But but they know they have to do something.
25:02
What are some, maybe two or three steps, Veronica, that you think you could share with
25:07
people for them if they're starting to think, I've been doing this for a long time and, yeah,
25:12
I don't seem to be getting any further along.
25:15
What what kind of things could should people consider?
25:18
Yeah.
25:18
I think there's simple tactical things that can be done.
25:21
So starting to utilize a budget, so figuring out where is my money going, where do I want it
25:26
to be going, going through the steps like saving up for an emergency fund, paying off
25:31
your debts, just freeing up more cash flow.
25:35
I think one thing that I quickly realized when I was paying off my debt was the time factor,
25:41
so setting time bound goals.
25:43
Okay.
25:43
I wanna be able to buy a home.
25:46
Okay.
25:46
When?
25:47
And then how much will that require?
25:50
Do is that what I do I have those resources available to me?
25:54
You either have to increase income, decrease expenses, or change the time horizon.
25:59
Variables that can be tweaked.
26:02
So I think setting those time bound goals and being super specific about the goal.
26:07
Like, where is it gonna be?
26:08
What state?
26:09
What's the median?
26:10
Just to use that buying a home example.
26:13
But, yes, very helpful setting very specific and time bound goals and fleshing that out.
26:20
And then not feeling you like, you have to do it alone.
26:23
So either getting the the help of a financial coach if you're needing to, like, rewire your
26:29
financial behaviors, or if you'd like you said, you are at the point where you do have money,
26:35
like seeing a financial advisor and putting your money to best use.
26:39
So those three things, budgeting, setting smart goals, smart time bound goals, and getting not
26:46
feeling like you have to do it alone.
26:48
Yeah.
26:48
And and that's the thing because you might set it and you don't have a time specific, I wanna
26:53
buy or I wanna be able to know that most of my, you know, child's education is is kind of set
26:59
for, but maybe not a % by what time.
27:02
Right?
27:02
Because you do get lost when you don't do, and that's the smart goals.
27:07
Right?
27:07
Yeah.
27:07
I know it's important.
27:08
I know there's actionable steps, but if I'm kinda leaving it vague, it becomes a thing I
27:13
should be doing at some point, but then we lose kind of track of what steps or what tactical
27:18
things we have to do kinda month to month week to week, month to even day to day, right, like,
27:23
in your decision making around financials.
27:26
Veronica, this has been an amazing conversation.
27:28
I'm learning some things that I have to think about based on where I am at in my career as
27:33
well and kind of the things that I want as I kind of get closer to 60.
27:38
For people that are wanting to to learn more about you or to reach out or to get a copy of
27:43
the book, where can they get a hold of you?
27:46
Yes.
27:46
So you can find me and follow me on Instagram at making money is simple.
27:51
You can visit my website, join my mailing list, and find the the link to book to grab a a copy
27:57
of my book, Making Money is Simple.
27:58
And it's allmakingmoneyissimple.com, and the book is also available on Amazon.
28:03
Okay.
28:04
Fantastic.
28:04
And we'll make sure that's in the show notes.
28:06
So what am I walking away with?
28:08
I'm thinking I talk a lot about authenticity and relationships, and I think it starts about
28:13
authenticity in reference to yourself.
28:15
Right?
28:15
Like, what is it that I really value and how are my actions in alignment with what I want?
28:22
And don't think that I think a lot of times we get driven by external forces and then you're
28:27
you end up with maybe some things or doing things and you realize, oh, then now that's
28:32
gone or it's fleeting or it's not that important.
28:34
So taking the time, Veronica saying, to be to just really kind of be aware what am I actually
28:41
doing and then setting the intention with a timeline in mind.
28:44
I I love that.
28:45
I've never thought about smart in reference to money, but that why not?
28:49
We do it with everything else.
28:50
Think about it in reference to your financial life.
28:53
So for everyone, if you're wanting to know how authentically connected you are in
28:56
relationships, you can go to roxandrehodge.com/quiz, do a the mini quiz, and
29:02
we'll send you a report, and we can get on a discovery call to chat further.
29:06
Again, Veronica, thanks so much for your time.
29:08
And for everyone, thanks for hanging out with us again, and we'll chat with you again next
29:12
week.
29:12
Take care.
29:13
Bye bye.
29:14
Thank you.