Future-Proof Career

Don't get sucked into some of these personal finance arguments! I'm so over these!1. Dave Ramsey - you either love him or despise him2. The Latte Factor - Can you drink coffee or not?3. Debt Snowball or Debt Avalanche - either way, you're getting out of debt! 4. Being a stay at home mom or working momFind me on YouTube!

A lot of frugal living content glamorizes extreme budgeting. However, there is a dark side that I've experienced. Checkout my YouTube channel for more content!

I've made most of these mistakes at some point! Have you?Subscribe to Family Money TV on YouTube

**I apologize the audio quality is a little off. I was having mic issues!**Everyone knows that having kids is expensive - food, housing, childcare, and even COLLEGE! But how much does it actually cost? I talk about averages and what our personal experience has looked like.Follow me on YouTube! 

If you watch YouTube at all, you've probably noticed LDS (Mormon) members dominate in the family and personal finance categories. They're entertaining and often have great tips for running a household.Do you watch any of these channels? What do you think?Disclaimer: This is not commentary on anyone's religion, but just things I've noticed. Checkout MY YouTube for more family money content: https://www.youtube.com/channel/UCrUZrmTbyind14pv5Tv-ZsQ

We're all feeling inflation right now, especially when it comes to our daily expenses (like groceries)! Here are 6 easy ways you can start saving on groceries today! None of these require major sacrifices to your mental or physical health.Checkout my YouTube channel for more grocery tips!

Some stats say that up to 80% of medical bills have errors! With healthcare more expensive now than ever, it's important to understand exactly what you're getting charged and to understand how to argue it if you disagree.In this episode, Valerie talks about how she successfully argued her healthcare bill. She provides tips on what to do if you believe you had a billing issue on your claim. Also, is there anyway to prevent confusion?Like I've said before on the show, I do work in healthcare, and this is in no way affiliated with the work I do there. Checkout Family Money's YouTube Channel

I'm always in awe of people who are so certain that they're following their life's calling. For those who are less sure, how do you know what your calling is? I called on my friend, Beth Hewitt, to shed some light on this topic. Links:Beth's websiteBeth's Podcast: Visualise YouSubscribe to Family Money on YouTube!

In this episode, Valerie talks about how she got into real estate investing, why she likes it, and gives 9 tips to those also wanting to get into it.It's been a highly effective tool in my financial independence journey. It's taken a lot of money mindset work and research to get into it, but I'm proud of what we've accomplished so far. If done strategically, real estate investing has the ability to have long-term benefits (including generational wealth).I'm not a financial professional, so this isn't financial advice. Please consult pros before you make any major financial decisions.Checkout Family Money on YouTube! https://www.youtube.com/channel/UCrUZrmTbyind14pv5Tv-ZsQ

Keeping things simple can be challenging when the world is making you feel like you need so much. Now that the pandemic is winding down (hopefully), it's a time to reassess how we spend our time. Obviously, so much is out of our control, so how what can we do to embrace simple living.Check me out on YouTube!

On Fridays I try catching up on paperwork that needs to be done personally and professionally. I also try to do some self care and clean up to get ready for the weekend.  I have so many conflicting priorities and get overwhelmed/distracted so easily, so I love the 15 minute timer hack. It helps me get things done but also make time for myself. Who doesn't have a spare 15 minutes to get something important done (even if it means taking time to just relax and listen to music).Tags: productivity, self care, life hacks

I vow not to make this podcast one of the hustle business type shows that makes you feel like you need to constantly grind in order to make money. Instead, let's focus on creating through art, allowing yourself to read fiction, listen to music, read poetry, or whatever makes you feel like a human!Creativity is the foundation of business and money making. I've never found that hustle and grind type of podcasts make me feel more creative, but instead I experience the opposite effect. 

Should you buy once and cry once?When should we spend more upfront to save money in the long run? Check me out on YouTubeTags: financial independence, retire early, FIRE, personal finance, money podcast, money for women, millennial money

A lot of people don't know this, but I got my Bachelor's degree in Art and master's degree in library and information science (MLIS). I don't do either of those professionally at the current moment!In this episode, I give tips for those who just graduated from library school and also for those making a big career change as well.My interview on the Librarian LinkoverTags: MLIS, master's in library and information science, library school, librarian, art degree, career women, career help, make money, financial independence, career tips

It's been a while since we've talked! In this episode, I get personal and talk about my experience with the healthcare system. I'm trying to change my money mindset to realize that peace of mind is worth a lot.In this episode, I talk briefly about my cancer story and how money and healthcare are intertwined. I had my first experience as a consumer with the No Surprises Act, and I attempt to explain it.Tags: thyroid cancer, healthcare, spending money, financial independence, money mindset, no surprises act

Whether you're an entrepreneur or not, it's beneficial to utilize legal services proactively. A way that makes it more affordable is by using legal insurance.Valerie used it for her estate planning recently, and saved about $1k. She also doesn't think she would have done it without the insurance. We all sign contracts on a regular basis, and it's a good practice to have attorneys look over what you're signing (housing contracts, job offers, car purchases, etc.)Although this sounds a little like an ad, it's not sponsored.We recommend carefully understanding the plans' exclusions before you commit to signing up for the plans. Valerie's plan doesn't cover business related expenses.Links:MetLaw (Valerie's plan)Sheryl's LegalShield website

Whether you call it an MLM, pyramid scheme, or network marketing, everyone has opinions on this type of business. I am personally very hesitant to recommend this type of business model because the data shows that the vast majority of business owners make minimal money (if any at all). Lots of women want to work from home, and it's easy to get sucked into the promises of an easier lifestyle (at least as social media shows). Our guest today, Sheryl Scott has some experience with MLMs, and she has had some positive experience. She shares red flags to look for and talks about specific questions you should ask when you're considering joining one of these programs.Interview starts at 02:42Have questions for Sheryl? Contact her at: sherylscott15@gmail.comCheck out my YouTube channel at: https://www.youtube.com/watch?v=drt2MpiKJCsSHOW LESS

I realized the reason why many of you listeners are stressed about your career is because you're worried about MONEY. I'm pivoting the show to provide you resources on how to make more and spend less so you can reach financial independence.I'm going on this journey with you. You can watch my YouTube channel at Family Money TV. 

In this episode, Matt Ward talks about why referrals are important, and how to get them.Resources and links:Matt Ward's websiteTags: sales, referrals, referral marketing, marketing tips, sales tips, matt ward, Massachusetts entrepreneur

In this episode, Michelle Arpin Begina talks about her experiences with money growing up. She uses this experience to help professional women step into financial freedom from a place of confidence.We also talk about raising kids with a healthy money mindset, how to talk about money productively, finding the qualities that have made you successful in the past, and negotiating raises.Resources and Links:MichelleAb.comIG: @themichelleab

This is a super short mini episode where I give you an update on where the show's going. I'm also strategizing what topics and content to feature for the rest of the year.Some of these topics include: Making more money (Who doesn't want that!?)Getting unstuckIncorporating some "fun" episodes - I'm not sure what that means yet.I'm also considering uploading more often to my YouTube channel.Connect with me on LinkedIn, and let me know what you think of this direction!

Find a mentor, but don't listen to everyone Be intentional about dating. This will impact your future so much. It's a marathon, not a sprint. You'll be working for years, so don't burn out in your first few years as an employee.Ditch perfectionism. You're not "getting graded" anymore, so stop trying to get 100% scores.Be authentic - You don't have to act like a robot and be serious all of the time. In fact, if you listen to this show regularly, you know that having fun and using humor actually helps you at work. It helps your brain be more creative and makes for a better work culture altogether.Show Confidence - It's true you need to fake it until you make it, but you also have to show confidence while you do it. Be a participator - Go to events, participate in fund raisers, company team builders, take on new projects, etc.Keep a positive curious attitude. If you're someone with a million interest, that's great. It means that you're an interesting person. So go into each day trying to be as curious as possible. That attitude will help you no matter what role you're in. Really specific tip - Young Valerie, don't cash out your 401k! Start saving and investing now!It's just a job, it's not your identity. It's all going to work out. Just breathe.

In this episode, Valerie gives her thoughts on side hustles.Why it can be toxic to always need to be busy.Passive income vs. service-based side hustlesHow her app can help new entrepreneursResources and Links:Valerie's app: HireNewbies.comValerie's LinkedInEmail valerie at valerie@valeriezaric.com

I've recently experienced a creative block with my podcast, and want to share 4 tips on how I overcame it.Links and ResourcesConnect with Valerie on LinkedIn.

Here's another blast-from-the-past episode.In this interview with Michelle Rajotte, we discuss:Why you should act with authenticity.Examples of some big life changes that Total Leadership inspired.Leaders can work successfully and efficiently, but you should also find room for the other domains of your life: home, community, and self.The importance of following our authentic, meaningful path, not necessarily the path that people expect from us.And more!Resources Mentioned:Totalleadership.orgvaleriezaric.com

In this interview, we talk about:Emotional intelligence (like optimism, stress management, regulating emotions, and the willingness to be vulnerable)Neuro-atypicalityWhy you should learn something new when you start feeling burnt out.Resources and Links Mentioned:The New Golden Rule: The Professional Perfectionist’s Guide to Greater Emotional Intelligence, A More Fulfilling Career, and A Better Life by Emily GoldenBrené Brown’s websitesoft skills, career, burnout, new job, career podcasts, career women, females at work, jobs, burnt out, job tips, salary increase

Our guest, Krystal Miranda, from Enhance My Digital talks about her career in online marketing. We talked about: How the pandemic has impacted the online business worldHow realistic it is that any of us could start working online permanentlyHow to ensure we’re being ethical as business ownersAnd more!LinksEnhance My Digital WebsiteKrystal's InstagramConnect with Valerie on LinkedIncareer women, business women, women in business, digital marketing, social media management, SMM, NYC, advertising, marketing, women in marketing

In this episode, Valerie talks about navigating office politics.What is office politics exactly?When should you try to just avoid it?Forbes published some tips recently and Valerie elaboratesHow to be strategic when dealing with office politics.Resources and Links11 Helpful Strategies For Navigating Office Politics - ForbesConnect with Valerie on LinkedIn

Hello everyone and welcome to episode 106 of FPC.  So many of the issues we talk about on this show - making more money, networking, communicating - all require some level of confidence. Confidence in your abilities and knowledge, in your appearance - it’s all the foundation of not only career success but also enjoying your career.Our guest today, Karla Angel is a confidence coach who helps leaders in tech get over imposter syndrome. She helps clients find clarity in what they want to achieve and determine their own path to get there. In this episode we talk about What confidence looks likeHow having confidence doesn’t always mean climbing the corporate ladderWhat you can do today to start feeling more confident.Resources and Links:KarlaAngel.comKarla's LinkedInConnect With Valerie On LinkedIn

In this episode, Latasha James talks about:How she transitioned out of Corporate, even though she had a great job.How realistic it is to start a successful YouTube channel in 2021When should an entrepreneur hire a social media manager? Links and Resources:latashajames.comLatasha James - YouTubeConnect with Valerie on LinkedIn

What are the benefits of beauty at work? How does it play a role in our work life?Can being beautiful actually harm your career?Resources and Links:Connect with Valerie on LinkedInCheck out my new app - HireNewbies!Forbes article: Science Asks: Do Pretty People Really Make More Money?Business Insider article: 11 scientific reasons why attractive people are more successful in life

In this episode, we talked about:Anna's career journey and how she became an employment and quality-of-life solutions advocate on behalf of people with disabilitiesUnique concerns people with disabilities have when job searchingWhy employers benefit from hiring people with disabilitiesAnd more!Resources and Links:Anna's book: Don't Ask Permission To FlyLead the Way Podcast on FacebookLead the Way PodcastLead the Way Podcast on InstagramAnna Gouker on TwitterAnna Gouker on LinkedIn

Valerie's been open about failing at many of her business ventures in the past. She is now taking a course on how to build an app and talks about her journey so far.HireNewbies is an online platform that helps new creative entrepreneurs find their first clients by offering a slightly lower rate than established pros. By joining the site, you also get exclusive access to a private group of newbies!Come along on the journey!Links:Join the mailing list: HireNewbies.comConnect with Valerie on LinkedInTags: no-code, apps without code, startups, madison, wisconsin, photographers, new clients, new entrepreneurs, get your first client, online marketing

Career advice we’re often given is “be yourself" and “just be authentic,” but what does that mean exactly?In this episode our guest Sara Schneider joins us to talk about:How do you trust yourself that you’re showing up in the right way? If you’re a woman, should you try to act like a man when you work in a male dominated industry?Should we show our "weirdo self" when we're in a leadership role?Resources and Links:Sarah's Website Sarah's IGSarah on LinkedIn

In this show, we talk about how to deal with a toxic work environment from an HR perspective, whistle blowing, pay inequality and more.Denise Cooper is the Founder and CEO of Remarkable Leadership Lessons, a company founded over 10 years ago to assist C-suite, senior-level business leaders, and managers in raising their game as contributors to profitability. Denise shares her experiences in her book, Remarkable Leadership Lessons: Change Results One Conversation at a Time. Resources and Links:Listen to Denise's podcast Closing The GapConnect with Denise on LinkedInConnect with Valerie on LinkedIn

In this episode, Valerie talks about:What she has learned personally and professionallyShe recommends building in a "buffer" with your scheduleMoving to Mondays an Wednesdays for uploads (no longer Friday)Some of her favorite episodes!Thanks to everyone who has listened to the show and become part of the community!Get notifications for my app, HireNewbies (Wisconsin residents for now)!Connect with Valerie on LinkedIn

This is a replay episode from 9/2020.If you are interested in getting involved in politics, Senator Roys suggests starting with local government. Political leaders are much more accessible, and you can have a large impact. "You don’t have to be wealthy or well-connected, but you need to have relationships with people who want to help you."We talk about parts of her political platform:Pay inequalityState InfrastructureSupporting entrepreneurship Cost of childcareFree tuition for 2-year collegesTo learn more about Senator Roys visit: https://keldaroys.com/Connect with Valerie on LinkedIn

On our show today, we talk about something that not many people want to talk about or think is a possibility of something that will ever happen in their lives - divorce.Our guest today, Andrea Hipps is a divorce coach. We talk about how divorce can impact you and your career and what the three different phases are. It’s a reality for so many. We also talk about what makes a successful relationship - something we all strive for.Resources and LinksAndrea's websiteThe Best Worst Time of Your Life: Four Practices to Get You Through the Pain of Your DivorceConnect with Valerie on LinkedIn

In this episode, Stephanie Holt talks about the current state of the pay gap in the US and gives advice on how we can make big changes toward equal pay.Resources and LinksStephonLife.comStephanie Holt on LinkedInConnect with Valerie on LinkedIn

In this episode, Valerie talks about transformations that have come out of the pandemic.Resources and Links:NYT article Our 'Before' No Longer Makes Sense. How Do We Live Now?Connect with Valerie on LinkedInConnect with Valerie on Instagram

The Networking Queen (Julie Brown) gives some great networking tips:How to prepare for a networking eventHow to network in a genuine wayWhy you need to network if you want to improve your careerWhy and how ANYONE can network (not just Ivy League folks)What to wear to networking eventsAnd more!Resources and Links:This Shit Works podcastJulieBrownBD.comIG @JulieBrown_BDConnect with Valerie on LinkedIn

 In this episode, we talk about:Why mothers are important in the workplace and why companies should have supportive family leave policiesHow to find a position with good work-life balanceWhat type of work arrangement makes working mothers the happiest Why family leave policies impact everybodyHow being busy does not equal being productiveResources and Links:www.mompowerment.comThe Mompowerment Guide to Work-life Balance book on Amazon (newest book on work-life balance for working moms)Mompowerment book on Amazon (successful transition to a part-time role for working moms)Suzanne's TED talkSuzanne's Twitter: @mompowermentInstagram @mompowermentMompowerment Facebook Group

Our friend KJ Nasrul is back to talk about silence and:Why it makes us feel uncomfortableWhy and how to embrace it at workHow KJ works with it in her therapy workResources and LinksBlissbeginswithin.comStories of Astonishing Light podcastKJ's FPC episode on Handling StressDisclaimer: The Wellness Tips provides general information and discussions about wellness and well-being topics. The information  and other content provided on the Tips or in any linked materials are not intended and should not be considered or used for medical  diagnosis or treatment, or as a substitute for medical advice, diagnosis, or treatment. If you or any other person has a medical concern,  you should consult with your health care provider or seek other professional medical treatment immediately. If you are experiencing a  medical emergency, please call immediately.COVID -19 HOTLINE (California): 1-833-422-4255, M-F 8 AM – 8 PM, SA SU 8AM – 5 PMSuicide Prevention Lifeline: 800-273-8255; Text 838255BetterHelp - Betterhelp.comPsychology Today - psychologytoday.com Domestic Violence Hotline: 800-799-7233 CRISIS HOTLINES/ WARMLINES  Distress Helpline: 800-985-5990 (TTY 800-846-8517) or text TalkWithUs to  66746, (24/7)Child help National Child Abuse Hotline: 800-4-A-CHILD, (24/7) Foster Caregiving: 800-KIDS-4USDEAF AND HARD OF HEARING INDIVIDUALS National Suicide Prevention Deaf and Hard of Hearing Hotline: 800-273-8255  (TTY 800-799-4889), (24/7)DOMESTIC VIOLENCE National Domestic Violence Hotline: 800-799-SAFE or Text LOVEIS to  22522 in English or Spanish; TheHotline.org Chat Now, (24/7)LGBTQ INDIVIDUALSTrevor Project: 866-488-7386; Text START to 678678, (24/7) Lesbian, Gay, Bisexual, and Transgender National Hotline: 800-273-8255,  1PM – 9 PMVictims of Crime Resource Center: 800-842-8467SERVICES FOR SUBSTANCE USE DISORDERSSAMHSA NATIONAL HELPLINE: 800-662-HELP, (24/7)Contra Costa Access Line: 800-846-1652, (24/7)VETERANS Veterans Crisis Line: 800-273-8255; #1; Text 838255, (24/7)YOUTH AND TEENS TEEN LINE: Text TEEN to 839863; 800-852-8336, 6 AM – 9 PMSTAYING PHYSICALLY ACTIVE  Physical activity is any body movement that works your muscles and requires more energy than resting. Engaging in  regular physical activity is a mood lifter; it is like a happy pill and health booster with no side effects! Research  showed that short bouts of exercise throughout the day have the same benefits as continuous workouts. A few tips on  how to sneak in some extra movement into your day: • Walk while on phone calls or stand up when taking calls. • Stand up while using the computer work if possible. • Do simple toning exercises while working; Take Stretch/Walk Breaks. • Move while waiting for your food to cook; Move more during lunch. • Park further away. • Take the stairs.Walking Meditation Techniques, Canyon Ranch, https://bit.ly/3279CPE RAD@Home, Free Online Classes (Ballet, Pilates, Five A Day), Royal Academy of Dance: https://bit.ly/2FyYBP

So many women are held back in their careers because they feel self conscious about their physical appearance. Juliana Leamen, the creator of Naturally Joyous, is a Mind-Body Weight Release Expert, Nutritionist & Podcaster helps women over 40 regain their confidence.In this episode, we talk about confidence, body acceptance, and how we may be using external factors to concentrate and make up for the fact that we may be uninspired with what we’re doing. We also talked about Juliana's career and health journey.Juliana also talked about "linking" - a way to make a dreaded task seem easier. Resources and Links:NaturallyJoyous.caConnect with Valerie on LinkedIn Tags: nutritionist, women over 40, confidence,  weight, caffeine, linking, creating better habits, habit building, mindfulness, holistic nutrition, mindset, health and wellness, stress, family responsibilities, career stress

Lynn Power joins FPC to talk about how she made it into the C-Suite in advertising and how she pivoted into entrepreneurship by starting a clean hair company (MASAMI).Resources and Links:MasamiHair's website - Use Promo Code FutureProof for 15% off!Masami Hair on IGConnect with Valerie on IGConnect with Valerie on LinkedIn

In this episode, Valerie talks about ways to inject more fun into your life. Resources and Links:Chase Survey On FunThe Big Picture of Working Motherhood with Suzanne BrownConnect with Valerie on LinkedIn

In this interview we talk about how Jhoanny and her family built a restaurant empire in NYC and how she started teaching other women how they can do the same.Links and ResourcesJhoannie's InstagramJhoanny's websiteJhoanny's free 30 min restaurant clarity sessionConnect with Valerie on LinkedInTags: restaurant, entrepreneurship, open a restaurant, restaurant empire, NYC business, NYC restaurant, tapas, entrepreneurship, career podcast, generational wealth, family business

In this episode, Edyta Satchell (America's Wellness Expert) talks about how to look and feel your best when you travel for work.Links and resources:Inglot cosmeticsEdytaSatchell.comSatchelleGlobal.comConnect with Valerie on LinkedInTags: travel, work travel, corporate travel, wellness tips, career women, makeup tips, inglot makeup, face masks, maskne, acne, frequent flyer, beauty tips, cosmetics

In this episode, Valerie talks about what F-You money is and how to get some!Links and Resources:Paula Pant's Afford Anything podcast episode with J.D. RothConnect with Valerie on LinkedInDave Ramsey on Financial FreedomTags: financial independence, F-You Money, career, personal finance, FIRE movement, Financial Independence Retire Early, career development, paying off debt, save money, quit your job

Latoya Leslie has found a way to  merge her work experience and education in a way that is making a difference. She’s a Social Impact Entrepreneur, Tech & Music Enthusiast, Visionary, Humanitarian, and Founder. Latoya is a former Big Data Account Manager for Ad-tech companies. She supports data-driven companies with activating their data to better serve their clients and customers. She is also the Founder of the CandShout app and host of the CandShout podcast. Her startup, LESOYA, aims to use innovative technology to solve social issues.In this episode, we talk about:How and why employers can be respectful to job applicantsWhy corporate responsibility mattersLatoya’s journey putting pieces together and finding her calling.Tags: corporate responsibility, pay equality, volunteer at work, EDI, equality diversity and inclusion, data at work, data science, tech recruitment, start ups, women entrepreneurs

Alexis Perkins is a serial entrepreneur who likes to plant seeds in different business ideas, water them with her energy and grit, and then watch them grow. She is currently the Founder and Creative Director of Chair One Fitness. Their mission is to break down boundaries making fun fitness options available to anyone no matter their age or ability. In this interview she talks about: How she started her successful businessHow she overcomes fear and maintains a CEO mindsetWhy she changed her to-do list to a today list, and how she merged that with her bucket list!Resources and LinksAlexis on InstagramChairOne Fitness WebsiteConnect with Valerie on LinkedInTags: chairone fitness, alexis perkins, virginia entrepreneur, entrepreneur mindset, CEO mindset, baby boomer business ideas, future-proof careers, fitness industry, fitness businesses, productivity, overcoming fear, career pivots, business mindset, women in business