Podcasts about financial coach

#272 In this episode, I'm joined by James Allen, former productivity coach and founder of Profit Your Knowledge. We talk about what it really takes to grow your business without burning out. James shares how applying simple frameworks like the 80/20 Rule and Parkinson's Law helped him stop spinning his wheels and start scaling smarter. We also dive into why your first (or fifth) funnel might flop and why that's totally OK. We also jam on: Building your course with your audience, not before you have one How to use a sales page as a waitlist builder Automating to work fewer hours without losing momentum Lessons from The 4 Agreements The truth about improvement, it doesn't happen by accident If you're a coach, gym owner, or creator looking to work less and earn more, this episode's for you.

Send us a textJoin us on Average Joe Finances as our guest Ken Gee, founder and managing partner of KRI Partners, shares his inspiring journey from growing up in Toledo, Ohio, working as a CPA and commercial lender, to becoming a successful real estate investor. Ken discusses his transition from a corporate job to real estate due to the desire to spend more time with his family and avoid corporate pitfalls.In this episode:Discover how a shift from CPA life to real estate investing gave Ken G. the time freedom he craved and how it can for you too.Uncover the power of value-add strategies in multifamily real estate and how a simple renovation plan turned Ken's first deal into a win.Explore why choosing high-growth markets like Florida using tools like U-Haul data can drive strong real estate returns.Take in Ken G.'s advice on avoiding shiny object syndrome and staying laser-focused to build long-term wealth through real estate.And so much more!Key Moments:00:00 Introduction and Welcome00:59 Meet Ken Gee: From CPA to Real Estate Mogul02:20 The Aha Moment: Balancing Work and Family03:33 First Steps in Real Estate: Learning the Hard Way10:46 Strategic Decisions: Selling and Reinvesting12:38 Partnerships and Mentorship: Finding Your Gary14:41 Evolving the Business: From Syndications to Funds16:13 Why Florida? Strategic Market Choices18:17 Analyzing Market Trends18:47 Overcoming Barriers to First Deals21:59 Mindset and Visualization24:21 Biggest Business Mistakes26:38 Advice for Real Estate Beginners30:26 Final Thoughts and ResourcesFind Ken Gee:Website: https://www.kripartners.com/LinkedIn: https://www.linkedin.com/in/geekennetha/Facebook: https://www.facebook.com/people/Ken-Gee-KRI/100086519510719/YouTube: https://www.youtube.com/@KenGee_KRIInstagram: https://www.instagram.com/kengee_KRI/Twitter: https://twitter.com/i/flow/login?redirect_after_login=%2Fkengee_kriTikTok: https://www.tiktok.com/@ken_gee_kri?lang=enAverage Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comAbout Tawnya: https://www.themoneylifecoach.com/Show Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesSupport the show

#271 Kevin Dineen is the founder of Structure and the St. Louis Fitness Conference. He got his start at Equinox before launching his first training space—a modest 150 square foot facility in New York City. From those humble beginnings, Kevin built a multi-location business, trained high-level clients (including celebrities), and relocated to St. Louis, where he continues to serve his local community. In this conversation, we cover: Kevin's journey from trainer to founder Lessons from working with ultra-successful clients How to stand out in fitness through hospitality Becoming a trusted advisor in a noisy industry The communication skill that elevates everything else Connect with Kevin: Coach Kev's IG STL Fitness Conference

Wondering how much you should be spending on food each month? Whether you're living solo, part of a couple, or feeding a family, the answer can vary—and it's easy to feel like you're overspending (especially with food prices rising).In this episode, we break down realistic grocery budget guidelines based on household size, using USDA's official food plans. You'll learn how much the average single adult, couple, and family of four spends on groceries, how restaurant spending is affecting your budget, and how to actually set a grocery budget that works for your lifestyle and goals.We'll cover:o USDA's food budget guidelines for singles, couples, and families in 2025o Why grocery store food gives more value per dollar than eating outo The difference between thrifty, moderate, and liberal food planso Common overspending traps at the grocery store (and how to avoid them)o How to use the 50/30/20 rule to determine your grocery budgeto Real-world tips for lowering your food bill without sacrificing qualityPlus, we'll help you figure out how to track your food spending, avoid waste, and keep those receipts from becoming your budget's worst enemy.Subscribe to the channel for more empowering content on personal finance, investing, and self-improvement. Don't miss out on the opportunity to unlock your true financial potential and live a life of abundance. It's time to invest in yourself and create the future you deserve!Articles For Reading:https://money.usnews.com/money/personal-finance/spending/articles/how-much-should-i-spend-on-grocerieshttps://www.ramseysolutions.com/budgeting/average-cost-of-grocerieshttps://www.nerdwallet.com/article/finance/how-much-should-i-spend-on-groceries**Support the Stream By Shopping at Our Store** Buy Your Financial Mirror Gear: https://www.thefinancialmirror.org/shop YouTube: https://www.youtube.com/@thefinancialmirrorRumble: https://rumble.com/TheFinancialMirrorFacebook: https://www.facebook.com/thefinancialmirr0rX: https://twitter.com/financialmirr0rInstagram: https://www.instagram.com/thefinancialmirror/Podcast: https://creators.spotify.com/pod/show/thefinancialmirrorIf you are in need of a Financial Coach, don't waste another day of being in debt, not planning for retirement, or simply wondering where your money went each month. Today is the day to take control of your finances and I can help, no issue is too big or too small. Contact me at https://www.thefinancialmirror.org/#budgetmeals #budgetfriendly #savemoney #frugalliving #mealplanning #groceryhaul #budgetlife #debtfreejourney #financialgoals #budgetingforbeginners #moneyhabits #costofliving #inflationtips #spendwisely #foodbudgeting #personalfinance #budgetingtips #groceriesvsdiningout #foodspending #financialliteracy

Josh and Amelie discuss various situations where people have limits to savings amounts due to governmental programs such as Medicaid or Disability. Top takeaways: Many of the limits are state-specific. Figure out what someone in this situation would need an emergency fund for–it might be fewer things than you think. Do not think of “savings” as a monolith–each individual problem should be tackled individually. ABLE accounts are similar to retirement accounts except that they're for disabled people and their families to be able to pay for specific expenses. Want help building or growing a successful financial coaching business? Find resources below based on where you're at in your journey: - Deciding whether Financial Coaching is right for you? Join our free Facebook Community with over 5000 current and aspiring financial coaches! https://www.facebook.com/groups/financialcoachescommunity - Already decided you're going to be a Financial Coach and want to learn more? Get 30+ tips and best practices in our free 8-part email series! https://www.financialcoachesnetwork.com/pre-launch-email-series - Ready to Launch your Financial Coaching business? Join FCN Launch, our step-by-step program that will help you successfully launch your business in four months and grow it to a consistent part-time income. https://www.financialcoachesnetwork.com/launch - Are you already coaching clients and want to grow your business to a full-time income? Join FCN Grow, our program that helps you scale your business to a full-time income. https://www.financialcoachesnetwork.com/grow

Enjoying the podcast? Tell us what you think below and give us a review or rating. As always we'd love to hear your suggestions and feedback. Send us an email: podcast@pensionbee.com.   Global stock markets have been on a bit of a rollercoaster lately, thanks to a flurry of announcements from President Trump and his administration around spending cuts and trade tariffs. The uncertainty about what might come next has left investors worldwide feeling uneasy. And when investors get jittery, markets tend to get volatile. So what does stock market volatility actually mean for you and your savings?   Join our host, Philippa Lamb, and our expert panel as they break it all down. Emma Maslin, Financial Coach, Financial Wellness Speaker and Founder of The Money Whisperer. Lucy Evans, Personal Finance Reporter, Daily Mail  Clare Reilly, Chief Engagement Officer, PensionBee   Episode Breakdown: 03:26 History of market volatility 07:43 What's happening with Trump and tariffs 11:20 What happens next? 12:18 How might the UK government respond? 13:12 What does this mean for pensions? 15:56 The impact of age and lifestage 17:36 Other investments and emergency funds  22:15 Pension contributions and tax relief 23:16 Where to find guidance   Further reading, listening and watching: To learn more about stock market volatility, check out these articles, podcasts and videos from PensionBee: Episode 39 transcript Understanding market volatility and how it can impact your pension (Blog) Why are financial markets volatile these days? (Blog) Pensions and tariffs: what you need to know (Blog) How young savers can turn market volatility into an investment opportunity (Blog) How to diversify your pension investments (Blog) Company spotlight - how does Meta's performance affect my pension? (Blog) Company spotlight - how does Microsoft's performance affect my pension? (Blog) Company spotlight - how does Amazon's performance affect my pension? (Blog) Company spotlight - how does Apple's performance affect my pension? (Blog) Company spotlight - how does NVIDIA's performance affect my pension? (Blog) Six ways to put together your emergency fund (Blog) How does financial planning change over the course of life? (Blog) Pension investments (Pensions Explained) Pensions and tax relief (Pensions Explained) How are pensions invested? (Pensions Explained) What is a Stocks & Shares ISA? (Pensions Explained)   Other useful resources: 2023 United States banking crisis (Wikipedia) How geopolitical events impact the stock market (Bankrate) Investors hold their nerve as market volatility rises (The Daily Brit) Half of investors admit to making impulsive, emotional decisions, and many go on to regret it (CMS Wealth) Research on retail Buyers' emotional quotient with focus on transactions on the National Stock Exchange (Sage Journals) 66% of Investors Regret Impulsive or Emotional Investing Decisions (Magnify Money) Are women better investors than men? (Unbiased) Why Women Are Better (Investors) Than Men (Forbes) Pension Wise (Money Helper) Financial Conduct Authority (FCA)   Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube Follow PensionBee (@PensionBee) on TikTok, YouTube, Instagram, LinkedIn, Facebook, X and Threads. Follow Emma Maslin (@moneywhisperer_) on Instagram, LinkedIn, Facebook and X. Follow Lucy Evans (This is money) on LinkedIn and X.  

Want to know how to build an effective funnel? In this episode of The Financial Coaches Podcast, Cody goes further into detail on the backend of what goes into running a highly effective online event.

Do you and your fiancé avoid talking about money, or end up fighting every time the topic of money comes up?I don't think you'll be shocked to know that, when you're planning a wedding and building a life together, how you handle money, individually and together, can quite literally make or break your relationship. And yet, so many couples don't know how to start the conversation, or realise how much their money habits are shaped by their childhood and their family.In this episode, I sit down with financial coach Karen Eely, from Women Talking Money, who's spent more than two decades advising and educating people about money. Karen explains how our earliest memories can quietly drive our helpful or destructive financial habits and decisions as adults. You'll get a clear understanding of:The most common money issues couples face like clashing spending styles, financial secrets, and power imbalances.The 8 simple money types and how to find out which one you are, plusPractical strategies to start open and productive chats about your finances, but without the fear, guilt or shame.Whether you're newly engaged or already deep in your wedding planning, you'll come away with some tools and a fresh perspective to be able to get on the same page, reduce conflict, and build a solid financial foundation for your future together.RESOURCES Women Talking Finance Website: https://www.womentalkingfinance.com.au/8 Money Types Quiz: Women Talking Finance – Money Type QuizEbook: 5-STEP GUIDE HOW TO TALK ABOUT MONEY SO YOUR PARTNER WILL LISTENSend Unbridely a 90-second audio message on Speakpipe: https://www.speakpipe.com/unbridelypodcast*The Unbridely Podcast is sponsored by its listeners. When you purchase products or services through links on our website or via the podcast, we may earn an affiliate commission.*------ This episode of the Unbridely Modern Wedding Planning Podcast is brought to you by Easy Name Change.You simply choose which companies you need to notify, and they send you detailed process instructions for each of your companies, plus ready to send forms, letters, and emails, so you just attach your marriage certificate to them and you're done!More info on how to change your name after you get married: https://unbridely.com/blog/name-change-after-marriageTo get $6 off your name change use the promo code UNBRIDELY6 (valid until the end of 2025)  ----- Unbridely acknowledges the Traditional Owners of the Land we record this podcast on, the Kaurna People. We pay our respects to their Elders past and present and extend that respect to all Aboriginal and Torres Strait Islander cultures.Support the showFollow us on Instagram: https://www.instagram.com/unbridely/or TikTok: https://www.tiktok.com/@unbridelyEmail the Unbridely Podcast:hello@unbridely.com

Send us a textJoin us on Average Joe Finances as our guest Richard Wilson, founder of the Family Office Club, shares insights on building an investor club and integrating AI tools to optimize investment processes. He details his journey into finance, starting businesses from a young age, and developing a blog that grew into a major platform for ultra-wealthy investors. Richard discusses the importance of in-person networking, focusing investments in familiar industries, and the value of advice from highly successful individualsIn this episode:Discover how in-person meetings drastically improve investor trust and success—16x more likely to say "yes."Uncover how Richard Wilson leverages AI to automate investor relations and streamline financial decision-making.Grasp why aligning your investments with your personal expertise significantly reduces risk.Absorb powerful mental models from billionaires to transform your investment strategies and mindset.And so much more!Key Moments:00:54 Meet Richard Wilson: Founder of Family Office Club01:33 The Power of In-Person Networking03:43 Richard's Entrepreneurial Journey06:35 Current Business Focus and AI Innovations07:53 AI Tools for Investors15:45 Family Office Club and Investor Club Details17:56 Final Round: Mistakes and Lessons Learned22:29 Tips for Aspiring Investors and Entrepreneurs24:42 Recommended Books and Resources26:18 Closing Remarks and Contact InformationFind Richard Wilson:Website: https://familyoffices.com/Facebook: https://www.facebook.com/familyofficeclubLinkedIn: https://www.linkedin.com/in/singlefamilyoffice/Instagram: https://www.instagram.com/familyofficeclub/Youtube: https://www.youtube.com/@familyofficeclub/X: https://x.com/RichardCWilsonAverage Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comAbout Tawnya: https://www.themoneylifecoach.com/Show Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesSupport the show

La Federal Reserve ha lasciato invariati i tassi di interesse per la terza volta consecutiva, con una decisione ampiamente prevista dai mercati finanziari. Ripiloghiamo brevemente il contesto in cui è stata presa questa decisione e le prospettive per l'economia mondiale. Nello scorso episodio abbiamo parlato della scelta tra destinare il TFR a un fondo pensione oppure lasciarlo in azienda.Vi ricordo il portafoglio principianti 2025 e l'azione del mese di aprile https://lafinanzainsoldoni.substack.com/p/fed-tassi-invariati-per-la-terza I contenuti del podcast e della newsletter non vanno intesi in nessun caso come raccomandazioni di investimento o consulenza finanziaria. https://lafinanzainsoldoni.substack.com/p/portafoglio-principianti-2025-aprile La finanza in Soldoni è un progetto di informazione ed educazione finanziaria che si sviluppa attraverso un podcast, questa newsletter, una serie di video sul canale youtube di Massimo Famularo, la rubrica moneyflash nella quale rispondo alle domande formulate nei commenti ai video. Commenti, like e risposte su YouTube aiutano la rubrica a continuare.(Canale Telegram) Chi è interessato a soluzioni di formazione personalizzata può scrivere a mfamularoblog@gmail.com per conoscere il programma Financial Coach. Vi ricordo che potete porre domande nei commenti ai video youtube e riceverete risposte nella rubrica Money Flash. https://lafinanzainsoldoni.substack.com/p/lazione-del-mese-aprile-2025 La finanza in Soldoni è un progetto di informazione ed educazione finanziaria che si sviluppa attraverso un podcast, questa newsletter, una serie di video sul canale youtube di Massimo Famularo, la rubrica moneyflash nella quale rispondo alle domande formulate nei commenti ai video. Commenti, like e risposte su YouTube aiutano la rubrica a continuare.(Canale Telegram) Learn more about your ad choices. Visit megaphone.fm/adchoices

Credit card travel rewards sound like a dream—sign up, spend a few thousand dollars, and fly to your dream destination for “free.” But in 2025, is it still worth it?In this episode, we break down the real value of points and miles using up-to-date data from Bankrate. You'll learn how these programs work, how much your rewards are actually worth, and when travel cards are a great tool—or a trap in disguise.We'll cover: o The psychology of “free” travel offers o How much 50,000 miles are worth on different airlines (spoiler: it varies by $700+) o Why sign-up bonuses might cost you more than you think o The math behind redeeming points vs. paying cash o When using travel rewards makes financial sense o Red flags and myths to avoid in 2025 o Smarter strategies to earn travel rewards without overspendingThis episode is for anyone considering a Chase Sapphire, AmEx Platinum, or Capital One card—or trying to decide if “points” are still worth chasing.Subscribe to the channel for more empowering content on personal finance, investing, and self-improvement. Don't miss out on the opportunity to unlock your true financial potential and live a life of abundance. It's time to invest in yourself and create the future you deserve!Articles Referenced: https://www.bankrate.com/credit-cards/travel/points-and-miles-valuations/#hotel**Support the Stream By Shopping at Our Store** Buy Your Financial Mirror Gear: https://www.thefinancialmirror.org/shop YouTube: https://www.youtube.com/@thefinancialmirrorRumble: https://rumble.com/TheFinancialMirrorFacebook: https://www.facebook.com/thefinancialmirr0rX: https://twitter.com/financialmirr0rInstagram: https://www.instagram.com/thefinancialmirror/Podcast: https://creators.spotify.com/pod/show/thefinancialmirrorIf you are in need of a Financial Coach, don't waste another day of being in debt, not planning for retirement, or simply wondering where your money went each month. Today is the day to take control of your finances and I can help, no issue is too big or too small. Contact me at https://www.thefinancialmirror.org/#creditcardtravel #travelhacks #pointsandmiles #financialliteracy #personalfinance #moneytips #creditcardrewards #smartspending

Josh and Amelie discuss the second chapter of the Financial Counseling textbook by Durband, Law, and Mazzolini. Top takeaways: Financial knowledge is very baseline (what is a savings account). Financial literacy is the understanding of how to apply the knowledge. Financial literacy only really works when you're teaching people about things that are directly relevant to their lives at that point in time. Financial capability is the ability to actually implement the knowledge. Financial ratios are great, but many guidelines are situation-specific. It's important to be aware of potential scams to help your clients protect themselves. Be aware of the topics (taxes, insurance, investing, estate planning, etc.) that bring higher liability and may be legally regulated as far as what you are and are not allowed to discuss. Make sure you do some kind of continuing ed to stay on top of research, methods, scams, etc. Want help building or growing a successful financial coaching business? Find resources below based on where you're at in your journey: - Deciding whether Financial Coaching is right for you? Join our free Facebook Community with over 5000 current and aspiring financial coaches! https://www.facebook.com/groups/financialcoachescommunity - Already decided you're going to be a Financial Coach and want to learn more? Get 30+ tips and best practices in our free 8-part email series! https://www.financialcoachesnetwork.com/pre-launch-email-series - Ready to Launch your Financial Coaching business? Join FCN Launch, our step-by-step program that will help you successfully launch your business in four months and grow it to a consistent part-time income. https://www.financialcoachesnetwork.com/launch - Are you already coaching clients and want to grow your business to a full-time income? Join FCN Grow, our program that helps you scale your business to a full-time income. https://www.financialcoachesnetwork.com/grow

Thinking about doing an online event? In this episode of The Financial Coaches Podcast, Cody and Maria talk about the benefits of doing an online event, and even give a structure of how to create it as well.

Financial coach and bookkeeper Amber Joy Pietrangelo never planned on having her own business after business classes in college completely turned her off from entrepreneurship.But now, Amber has created a unique coaching approach where bookkeeping and financial guidance blend seamlessly. In her own business. After struggling through multiple career and business shifts, Amber discovered her “magic sauce,” getting financial data organized and then helping clients truly understand what the numbers mean for their future decisions. What started as a search for purpose after personal struggles has evolved into her own authentic business model.Working as a CFO for a nonprofit while maintaining her coaching practice, Amber shares in this week's episode how she finally stopped trying to do business “the right way” and instead trusted her intuition. She says she's surrendered and allowed things to be what they are, contrasting her current confidence with her early days of trying to copy other successful coaches.For new financial coaches, Amber offers this wisdom: “Really listen to your own intuition and give yourself permission to follow it.” She believes businesses achieve longevity precisely because they embrace change rather than rigidly sticking to predetermined formulas.Listen in to hear how finding your own path, even when it's messy, leads to both personal fulfillment and a thriving practice that genuinely serves others.Links & Resources:Ultimate Growth GuideJoin the Facebook groupAmber's WebsiteKey Takeaways:Embrace your unique combination of skills rather than forcing yourself into a single professional identity.Trust your gut when building your business; the sooner you listen to your intuition instead of following others' formulas, the faster you'll find your authentic path.Connection beats promotion. One-on-one relationships and referrals create more stability than aggressive marketing tactics that don't align with your natural style.Your business model should make you feel good; if juggling multiple roles drains you, it's unsustainable, regardless of what the numbers say.Is your approach working? Ask yourself “How does this feel?” instead of just “Is this profitable?” to build a business that energizes rather than exhausts you.Businesses achieve longevity through embracing change, not by rigidly following initial plans when they no longer serve you.The magic isn't in getting the numbers right—it's translating those numbers into meaningful insights that help clients make better decisions.About Amy Joy PietrangeloAmber Joy Pietrangelo is a financial coach and bookkeeper who lives in Michigan's Upper Peninsula. After joining the Financial Coach Academy® in 2019 while searching for more purpose in her life, Amber has built a unique coaching practice that combines her accounting background with intuitive coaching. She currently works as a CFO for a local nonprofit while supporting women with service-based businesses through her coaching and bookkeeping services. In this interview, she shares insights about her business model, her journey of finding her authentic coaching style, and advice for new coaches.

In this episode, we're talking about the most common financial mistakes people make in their 20s—and how to avoid them without giving up your social life, travel plans, or daily joys.Your 20s are about finding yourself, building a career, and yes—living a little. But too often, that “live for today” mindset turns into debt, anxiety, and playing financial catch-up for decades.This isn't a lecture. It's a real conversation about the little habits, overlooked decisions, and money myths that can quietly wreck your financial future if you're not careful.You'll learn: o Why emotional spending and “I deserve this” habits are so dangerous o The truth about credit cards—and how they trap so many young adults o How to actually build an emergency fund (even on a small income) o The silent danger of lifestyle creep after you get that first raise o How waiting to invest costs you thousands in future wealth o Why you shouldn't fixate on credit scores or take on debt to build them o Budgeting myths and how to track your spending without feeling restricted o How to make space for fun without breaking your budget or using creditWhether you're in college, just landed your first job, or are trying to get your finances back on track, this episode gives you clear, realistic, and actionable advice to protect your future while still enjoying your present.Subscribe to the podcast and never miss a weekly dose of financial clarity, smart strategies, and honest conversations about money in your 20s and beyond.Get Started Investing: https://a.webull.com/NMiaGMlNOsgX8HcfjX**Support the Stream By Shopping at Our Store** Buy Your Financial Mirror Gear: https://www.thefinancialmirror.org/shop YouTube: https://www.youtube.com/@thefinancialmirrorRumble: https://rumble.com/TheFinancialMirrorFacebook: https://www.facebook.com/thefinancialmirr0rX: https://twitter.com/financialmirr0rInstagram: https://www.instagram.com/thefinancialmirror/Podcast: https://creators.spotify.com/pod/show/thefinancialmirrorIf you are in need of a Financial Coach, don't waste another day of being in debt, not planning for retirement, or simply wondering where your money went each month. Today is the day to take control of your finances and I can help, no issue is too big or too small. Contact me at https://www.thefinancialmirror.org/#personalfinance #moneytips #financialfreedom #moneyinyour20s #budgetingtips #financialliteracy #howtosavemoney #investingforyoungadults #budgetingforbeginners #smartmoneyhabits #youngadultfinance #financialmistakes #millennialmoney #financialadvice #howtoinvest

Josh and Amelie discuss the first chapter of the Financial Counseling textbook by Durband, Law, and Mazzolini. Top takeaways: Many AFCs work on military bases, in non-profits, or in private practice, but there are also opportunities in banks, schools, hospitals, and more. For one-time engagements, technology isn't as important, but for longer-term engagements, most clients are going to expect some kind of budgeting technology. Counselors should be careful about building codependent, ongoing relationships with clients. Building relationships with other professionals is important so you can refer out. Want help building or growing a successful financial coaching business? Find resources below based on where you're at in your journey: - Deciding whether Financial Coaching is right for you? Join our free Facebook Community with over 5000 current and aspiring financial coaches! https://www.facebook.com/groups/financialcoachescommunity - Already decided you're going to be a Financial Coach and want to learn more? Get 30+ tips and best practices in our free 8-part email series! https://www.financialcoachesnetwork.com/pre-launch-email-series - Ready to Launch your Financial Coaching business? Join FCN Launch, our step-by-step program that will help you successfully launch your business in four months and grow it to a consistent part-time income. https://www.financialcoachesnetwork.com/launch - Are you already coaching clients and want to grow your business to a full-time income? Join FCN Grow, our program that helps you scale your business to a full-time income. https://www.financialcoachesnetwork.com/grow

In this episode of The Financial Coaches Podcast, Maria and Cody tackle a common and sometimes uncomfortable scenario: being asked, “How much do you charge?” before a true connection or discovery has been made. They share practical ways to navigate this premature pricing question with professionalism and confidence—without sounding evasive or salesy. Learn how to redirect the conversation to focus on value, build trust, and create a meaningful coaching relationship before diving into numbers. If you've ever felt caught off guard by this question, this episode is for you.

Send us a textJoin us on Average Joe Finances as our guest James Hilovsky, CEO of the Fran Dream, shares about his journey from spending over 20 years in corporate America to becoming a successful entrepreneur. James shares his experiences in the fast food and franchising industry, working with NFL players on various business ventures, and how he now helps others become entrepreneurs by guiding them through the franchise selection process. They discuss the financial and personal freedom found in entrepreneurship, the costs and funding options for starting a franchise, and the top franchise opportunities available. In this episode:Explore how franchising offers a structured path to entrepreneurship with built-in support and scalability.Learn why aligning franchise opportunities with personal skills and goals is key to long-term success.Discover how leveraging expert guidance can fast-track your journey from corporate life to business ownership.Understand that financial and time freedom through franchising is achievable—even without prior business experience.And so much more!Key Moments:00:00 Introduction and Guest Welcome00:26 James' Background and Career Journey03:07 Transition to Entrepreneurship04:09 Personal Finance and Entrepreneurial Insights06:09 Franchise Costs and Getting Started07:16 Helping Clients with Fran Dream11:06 Top Franchise Opportunities14:08 Personal Goals and Reflections15:15 Final Round: Mistakes and Lessons Learned18:27 Tips for Aspiring Entrepreneurs20:21 Recommended Resources and Closing RemarksFind James Hilovsky on:Website: https://www.thefrandream.com/Average Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comAbout Tawnya: https://www.themoneylifecoach.com/Show Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesSupport the show

Unlock a clearer view of your law firm's financial health in the latest Lawyerist Podcast. Join host Stephanie Everett as she dives into the essential key performance indicators (KPIs) that can transform how you understand your practice, guided by the expert insights of Bernadette Harris, Lawyerist Lab's finance coach.  You'll gain practical knowledge about five crucial areas that directly impact your firm's success. Understand your net profit margin like never before – not just the surface numbers, but the true profitability that informs your strategic decisions. Explore utilization rate and discover how to optimize your team's time for maximum productivity. Learn the critical importance of your realization rate and practical steps to ensure you're capturing the revenue you've earned. See how mastering AR aging can directly impact your cash flow and create financial stability. Plus, uncover the strategic advantage of understanding your revenue by practice area, empowering you to make smarter choices about your firm's financial future.  For straightforward, actionable insights into these vital financial indicators – the kind that can immediately help you manage your law firm more effectively – tune in to hear Bernadette Harris share her expertise.    Listen to our other episode with Bernadette Harris:  #457: Healthy Profits: Understanding the Story Your Numbers Tell, with Bernadette Harris Apple Podcast | Spotify |  Lawyerist  #523: Financial Red Flags: Are You Hiring Too Soon?, with Bernadette Harris Apple Podcast |  Spotify | Lawyerist  #418: More Income, Fewer Taxes, with Bernadette Harris Apple Podcast |  Spotify | Lawyerist    Have thoughts about today's episode? Join the conversation on LinkedIn, Facebook, Instagram, and X!   If today's podcast resonates with you and you haven't read The Small Firm Roadmap Revisited yet, get the first chapter right now for free! Looking for help beyond the book? See if our coaching community is right for you.  Access more resources from Lawyerist at lawyerist.com.  Chapters:  (00:00) Introduction  (04:36) Diving into Key Performance Indicators (KPIs)  (06:38) Understanding Your Firm's Profitability: Net Profit Margin  (10:47) Optimizing Team Productivity: Utilization Rate  (15:51) Maximizing Revenue Collection: Realization Rate  (21:21) Improving Cash Flow: Managing AR Aging  (25:36) Strategic Insights: Revenue by Practice Area  (28:32) Working with a Financial Coach and a Special Announcement 

Unlock a clearer view of your law firm's financial health in the latest Lawyerist Podcast. Join host Stephanie Everett as she dives into the essential key performance indicators (KPIs) that can transform how you understand your practice, guided by the expert insights of Bernadette Harris, Lawyerist Lab's finance coach.  You'll gain practical knowledge about five crucial areas that directly impact your firm's success. Understand your net profit margin like never before – not just the surface numbers, but the true profitability that informs your strategic decisions. Explore utilization rate and discover how to optimize your team's time for maximum productivity. Learn the critical importance of your realization rate and practical steps to ensure you're capturing the revenue you've earned. See how mastering AR aging can directly impact your cash flow and create financial stability. Plus, uncover the strategic advantage of understanding your revenue by practice area, empowering you to make smarter choices about your firm's financial future.  For straightforward, actionable insights into these vital financial indicators – the kind that can immediately help you manage your law firm more effectively – tune in to hear Bernadette Harris share her expertise.    Listen to our other episode with Bernadette Harris:  #457: Healthy Profits: Understanding the Story Your Numbers Tell, with Bernadette Harris Apple Podcast | Spotify |  Lawyerist  #523: Financial Red Flags: Are You Hiring Too Soon?, with Bernadette Harris Apple Podcast |  Spotify | Lawyerist  #418: More Income, Fewer Taxes, with Bernadette Harris Apple Podcast |  Spotify | Lawyerist    Have thoughts about today's episode? Join the conversation on LinkedIn, Facebook, Instagram, and X!   If today's podcast resonates with you and you haven't read The Small Firm Roadmap Revisited yet, get the first chapter right now for free! Looking for help beyond the book? See if our coaching community is right for you.  Access more resources from Lawyerist at lawyerist.com.  Chapters:  (00:00) Introduction  (04:36) Diving into Key Performance Indicators (KPIs)  (06:38) Understanding Your Firm's Profitability: Net Profit Margin  (10:47) Optimizing Team Productivity: Utilization Rate  (15:51) Maximizing Revenue Collection: Realization Rate  (21:21) Improving Cash Flow: Managing AR Aging  (25:36) Strategic Insights: Revenue by Practice Area  (28:32) Working with a Financial Coach and a Special Announcement  Learn more about your ad choices. Visit megaphone.fm/adchoices

#268 Every master was once a disaster. That's just one of the powerful insights Brian Keane dropped in this episode as we dive into what it really takes to build a successful fitness business. Brian, a former schoolteacher turned fitness entrepreneur, author, and podcast host, shares his 12-year journey of building his brand and the marketing principles that helped him scale. In this episode, we cover:  ✅ The difference between an influencer and a coach (hint: it's your offer!)  ✅ Why pull marketing beats push marketing for long-term success  ✅ The True Force Multiplier concept & how to create exponential impact  ✅ Why choosing the right media (podcasting, writing, video) matters  ✅ The False Consensus Bias—how assuming your clients think like you can hold you back  ✅ Sniper vs. Shotgun Marketing—the key to strategic content that actually converts  ✅ How storytelling connects to your core offer for more compelling marketing  ✅ The harsh reality: Random Posting = Random Results If you're a fitness entrepreneur looking to grow a sustainable, profitable business, Brian's wisdom in this episode is exactly what you need. Follow Brian Keane's Podcast: The Online Business Podcast Listen now and take your business to the next level!

Struggling to budget your money and stay consistent? In this episode, I explain the 50/30/20 budget rule — the easiest way to manage your finances and take control of your future, even if you are dealing with debt.You will learn how to divide your income into Needs, Wants, and Savings without getting overwhelmed by complex categories. I'll show you how to prioritize debt payoff within this system and how to adjust your spending if your debt payments stretch beyond your savings.If you've ever felt stressed or struggled to organize your finances, this episode will give you a simple, powerful framework you can actually use in real life.In this episode: o How the 50/30/20 budget rule works o How to easily identify a need, want, or saving o How to budget your money without overcomplicating it o How to prioritize debt payoff inside the 50/30/20 system o How to create a flexible budget that adapts with your lifeWhether you are just starting out with your personal finances or looking for a better, more sustainable system, the 50/30/20 rule is one of the most realistic approaches to long-term financial success.Make sure to subscribe for more personal finance episodes focused on simple budgeting, debt freedom, and building wealth without the overwhelm.Let's build financial freedom the simple way.Article Referenced:https://www.investopedia.com/ask/answers/022916/what-502030-budget-rule.asp**Support the Stream By Shopping at Our Store** Buy Your Financial Mirror Gear: ⁠https://www.thefinancialmirror.org/shop ⁠YouTube:⁠ https://www.youtube.com/@thefinancialmirror⁠Rumble: ⁠https://rumble.com/TheFinancialMirror⁠Facebook:⁠ https://www.facebook.com/thefinancialmirr0r⁠X:⁠ https://twitter.com/financialmirr0r⁠Instagram:⁠ https://www.instagram.com/thefinancialmirror/⁠Podcast:⁠ ⁠⁠https://creators.spotify.com/pod/show/thefinancialmirror⁠If you are in need of a Financial Coach, don't waste another day of being in debt, not planning for retirement, or simply wondering where your money went each month. Today is the day to take control of your finances and I can help, no issue is too big or too small. Contact me at ⁠https://www.thefinancialmirror.org/⁠#503020budgetrule #budgetingforbeginners #howtobudgetmoney #personalfinance #simplebudgeting #debtpayoff #budgetingtips #moneymanagement #financialfreedom #savingmoney #budgetingtosave #debtfreejourney #budgetplanning #budgetyourmoney #budgetingtips2025

Josh and Emily discuss how to collect feedback from clients at the end of your work together. Top takeaways: Have a plan for what to do with ALL the data you gather–don't ask a question if there's not something specific to do with that info. People who loved you or hated you are the most likely to fill the survey out. The shorter a survey is, the more likely it is that people will fill it out. You need to think about how to ask the question as much as what to ask. Consider getting an unbiased opinion on your questions so they're less emotionally charged. Want help building or growing a successful financial coaching business? Find resources below based on where you're at in your journey: - Deciding whether Financial Coaching is right for you? Join our free Facebook Community with over 5000 current and aspiring financial coaches! https://www.facebook.com/groups/financialcoachescommunity - Already decided you're going to be a Financial Coach and want to learn more? Get 30+ tips and best practices in our free 8-part email series! https://www.financialcoachesnetwork.com/pre-launch-email-series - Ready to Launch your Financial Coaching business? Join FCN Launch, our step-by-step program that will help you successfully launch your business in four months and grow it to a consistent part-time income. https://www.financialcoachesnetwork.com/launch - Are you already coaching clients and want to grow your business to a full-time income? Join FCN Grow, our program that helps you scale your business to a full-time income. https://www.financialcoachesnetwork.com/grow

Looking for work/life balance? In this episode of The Financial Coaches Podcast, the hosts talk about what work/life balance looks like and means, and how to find it so that you show up going ALL IN for both areas of your life.

Send us a textJoin us on Average Joe Finances as our guest Pete Neubig, co-founder and CEO of VPM Solutions, shares his 30-year journey from an average student in high school to co-founding a company that specializes in providing virtual assistance for real estate and property management. Pete discusses critical lessons learned from his experiences in IT and real estate investment, including the challenges of managing low-income properties and starting a business. In this episode:Discover how smart financial management fuels entrepreneurial success and business growth.Learn why focusing on one business venture is key to building lasting entrepreneurial success.Uncover how solving real-world problems can turn challenges into thriving real estate and tech businesses.Grasp how strong partnerships and aligned financial goals drive long-term success in entrepreneurship and investing.And so much more!Key Moments:00:59 Guest Introduction: Pete Neubig01:34 Pete's Early Career and Real Estate Journey05:04 Building a Property Management Business09:08 Lessons Learned and Business Growth16:52 Personal Finance Philosophy21:51 The Importance of a Supportive Partner22:34 First Investment and Financial Struggles23:06 Current Real Estate Strategy23:42 Retirement and Cash Flow Plans24:49 Service-Based vs. Tech Businesses26:11 The Role of a Partner in Financial Decisions32:27 Lessons from Financial Mistakes36:10 Advice for Aspiring Entrepreneurs37:30 Recommended Books and Resources39:07 About VPM Solutions41:40 Conclusion and Final ThoughtsFind Pete Neubig on:Website: www.vpmsolutions.comLinkedIn: https://www.linkedin.com/in/pete-neubig/Facebook: https://www.facebook.com/pete.neubig.1X: x.com/VPM_SolutionsAverage Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comAbout Tawnya: https://www.themoneylifecoach.com/Show Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesSupport the show

You want a high-vibe money mindset that makes room for both Gucci and groceries right? Oh snap!!! Another unicorn present coming in hot! Forbes featured seven figure earner Nicole Cherie Hesse is bringing on another badass guest to help you level up fast and crush your unicorn goals.Nicole Saleme has the real talk on building savings, using debt as a tool (not a trap), and creating a money mindset that aligns with abundance not anxiety.You maybe asking who the F Nicole Saleme is and why the F you should listen to them… Well that is the first question Nicole is going to ask them. So push play and buckle up because it's about to get bumpy!You can connect with Financial Coach, Nicole Saleme

NEW free training women web designers: Book higher-paying web design projects without overworking! ​Get our Profitable Web Design Business Roadmap Training and find out how to go from undercharging and hustling to booking projects you love (at higher prices than you thought possible). Get the full show notes at https://webdesigneracademy.com/139 When you're ready, here are some ways we can help you with your web design business:​

Are you on track for retirement?In today's episode, we are diving deep into one of the most important financial questions you can ask yourself: Am I ready for retirement, or am I walking into it blind?Retirement is not a matter of "if" — it's a matter of "when." At some point, every one of us will need to rely on savings and investments to fund our life when work is no longer an option. The earlier you start planning, the more confident and prepared you can be.In this episode, we walk through two popular retirement calculators to show you how to check your retirement progress: o A simple check-in using the Ramsey Solutions Retirement Calculatoro A more detailed forecast using the NerdWallet Retirement CalculatorYou will see live examples of both, including: o A basic scenario to quickly assess your retirement savings tracko A more complex, realistic forecast that factors in income, inflation, and Social Securityo A comparison of both calculators using the same starting information to highlight their differencesIf you have never checked your retirement readiness before, today is the perfect time to start. If you are closer to retirement and feeling unsure, it is not too late to build a plan and gain peace of mind.Key topics we cover: o Why retirement planning matters at every ageo How a retirement calculator can give you clarity and directiono The importance of intentional investing and saving nowo How small adjustments today can make a big difference laterRemember, retirement is coming whether you prepare for it or not. Start today. Your future self will thank you.If you found this episode helpful, be sure to subscribe to the channel for more personal finance tips, retirement strategies, and real-world money advice.Retirement Calculators:Ramsey Solutions: ⁠https://www.ramseysolutions.com/retirement/retirement-calculator⁠Nerd Wallet: ⁠https://www.nerdwallet.com/calculator/retirement-calculator⁠Make a Child a Millionaire: ⁠https://youtu.be/Qcnidzjurkc⁠**Support the Stream By Shopping at Our Store** Buy Your Financial Mirror Gear: ⁠https://www.thefinancialmirror.org/shop ⁠YouTube:⁠ https://www.youtube.com/@thefinancialmirror⁠Rumble: ⁠https://rumble.com/TheFinancialMirror⁠Facebook:⁠ https://www.facebook.com/thefinancialmirr0r⁠X:⁠ https://twitter.com/financialmirr0r⁠Instagram:⁠ https://www.instagram.com/thefinancialmirror/⁠Podcast:⁠ ⁠⁠https://creators.spotify.com/pod/show/thefinancialmirror⁠If you are in need of a Financial Coach, don't waste another day of being in debt, not planning for retirement, or simply wondering where your money went each month. Today is the day to take control of your finances and I can help, no issue is too big or too small. Contact me at ⁠https://www.thefinancialmirror.org/⁠#retirementplanning #personalfinance #financialfreedom #retirementsavings #earlyretirement #investingforbeginners #financialplanning #moneygoals #wealthbuilding #howtoplanforretirement #retirementincome #401k #rothira #debtfreejourney #financialliteracy #moneytips #futureplanning #retirementfund #smartinvesting #savemoney

Josh and Amelie discuss credit cards–how do you build good habits? The strategies are slightly different Top takeaways: The proper way to use a credit card is to use it exactly like a debit card–use it for everyday purchases and pay it off every month. For new users (whether brand new or people who have had debt recently), start with something small and simple–put gas purchases on your card, pay the statement in full every month. For new users, keep the limit relatively low and don't necessarily increase the limit. For experienced users (made full payments every month for 24 months), you can start adding in multiple cards and rewards and all of that kind of thing. If you're trying to start over, stop using cards and get to the point where balances are consistently going down. Then get a new card with a low limit or a paid off card with a low limit and go back to using it for one type of simple purchase each month (like gas). Related episodes: - #119: Is the snowball method the best way to pay off debt? - #133: Credit versus Debit Cards Want help building or growing a successful financial coaching business? Find resources below based on where you're at in your journey: - Deciding whether Financial Coaching is right for you? Join our free Facebook Community with over 5000 current and aspiring financial coaches! https://www.facebook.com/groups/financialcoachescommunity - Already decided you're going to be a Financial Coach and want to learn more? Get 30+ tips and best practices in our free 8-part email series! https://www.financialcoachesnetwork.com/pre-launch-email-series - Ready to Launch your Financial Coaching business? Join FCN Launch, our step-by-step program that will help you successfully launch your business in four months and grow it to a consistent part-time income. https://www.financialcoachesnetwork.com/launch - Are you already coaching clients and want to grow your business to a full-time income? Join FCN Grow, our program that helps you scale your business to a full-time income. https://www.financialcoachesnetwork.com/grow

Welcome to the Financial Freedom & Wealth Trailblazers Podcast! In today's episode,  we'll talk about how to achieve financial freedom in 90 days—without the stress, overwhelm, or endless trial and error.Being a nurse for 12 years has been rewarding in more than one way. It allowed Kristie to become a travel nurse and move around the country. This also allowed her and her husband the opportunity to pay off their debt.After Kristie and her husband Randy paid off $290,000 in debt, NOT including their house, she knew they had a powerful story to share. That massive achievement sparked her journey into becoming a certified Financial Coach. Now, she's dedicated to helping others navigate their financial challenges and achieve their dreams with confidence.When she's not coaching folks to organize their finances, Kristie is enjoying time by the ocean with Randy, her husband of 27 years. She loves making finance feel approachable and engaging, ensuring that every conversation is as enjoyable as it is educational.Connect with Kristie Here: https://www.facebook.com/KristieRephhttps://www.instagram.com/krisreph/https://www.tiktok.com/@travelingfinancialcoachhttps://kristie.inspiritfinancialcoach.com/Grab the freebie here: https://kristie.inspiritfinancialcoach.com/debtmag===================================If you enjoyed this episode, remember to hit the like button and subscribe. Then share this episode with your friends.Thanks for watching the Financial Freedom & Wealth  Trailblazers Podcast. This podcast is part of the Digital Trailblazer family of podcasts. To learn more about Digital Trailblazer and what we do to help entrepreneurs, go to DigitalTrailblazer.com.Are you a coach, consultant, expert, or online course creator? Then we'd love to invite you to our FREE Facebook Group where you can learn the best strategies to land more high-ticket clients and customers. QUICK LINKS: APPLY TO BE FEATURED: https://app.digitaltrailblazer.com/podcast-guest-applicationDIGITAL TRAILBLAZER: https://digitaltrailblazer.com/

Are you afraid of putting yourself out there? In this episode of The Financial Coaches Podcast, Maria and Cody talk about the process and importance of putting yourself out there in the form of creating content, and how it shouldn't matter about what ANYONE thinks of you, because the truth is you won't be for everyone, but are you for the people who are right for you, and they need to have the ability to know, like, and trust you.

Send us a textJoin us on Average Joe Finances as our guest Jay Balekar, shares his inspiring journey from growing up in India to becoming a successful real estate investor in the U.S. Jay discusses his background in cybersecurity, his early exposure to Robert Kiyosaki's 'Rich Dad, Poor Dad,' and how he transitioned into multifamily real estate. He emphasizes the importance of education, careful underwriting, having ample reserves, and the value of networking and mentorship. In this episode:Explore how strategic self-education can accelerate your entry into multifamily investing.Uncover the power of networking and mentorship in scaling your real estate portfolio.Absorb the value of financial discipline—avoid risky debt and build strong reserves.Grasp why adapting to market shifts with operational excellence is key to long-term success.And so much more!Key Moments:00:00 Introduction and Welcome00:55 Guest Introduction: Jay Balekar01:30 Jay's Early Life and Education02:38 First Steps into Real Estate03:49 First Multifamily Property Experience05:18 Challenges and Lessons Learned14:00 Networking and Growth16:49 Market Changes and Strategies25:57 Final Round: Key Questions34:54 Final Thoughts and FarewellFind Jay Balekar on:Website: https://www.prospercapitalco.com/Facebook: https://www.facebook.com/jaideep.balekarLinkedIn: https://www.linkedin.com/in/jaideepbalekar/Average Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comAbout Tawnya: https://www.themoneylifecoach.com/Show Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesSupport the show

Show notes:  

I don't think I need to tell you about the chaos social media has experienced lately. Meta goes down from time to time. Instagram suddenly changed square feeds to vertical graphics with no warning. TikTok's future remains uncertain.It's too much to keep up with, and even if you understand the “rules,” they're bound to change in the coming months. While there's still value in social media, we can't really rely on it.In this episode, I'm sharing why email marketing needs to be the absolute foundation of your financial coaching business—not social media. While social media platforms constantly shift and change, email marketing remains rock solid, giving you direct relationships with your audience that you actually own and control.I've watched coaches pour endless hours into building their social media following, using all the right hashtags and following trends, but struggle to convert followers into paying clients. Email marketing changes that equation completely. When someone checks their email, they're in a completely different mindset than when scrolling social media—more focused and intentional with their time.Ready to build your email marketing foundation? Listen in for two practical approaches you can start using today, plus a third option to work toward as your business grows.Links & Resources:Ultimate Growth GuideJoin the Facebook groupKey Takeaways:Building your business on social media? You're renting property on shaky ground where the landlord changes rules without notice.Your email list is the only marketing asset you truly own—take control of your business future by starting to build it today.When was the last time someone replied to your social post? One email brought me 78 replies from engaged potential clients.Financial decisions require privacy—email creates the safe space your audience needs to engage with sensitive money topics.Want to welcome new subscribers properly? Create a simple 3-email sequence that delivers value, shares your approach, and offers a quick win.Email marketing creates consistency. Replace feast-or-famine client acquisition with steady relationship building that keeps you top of mind.Start where you are: begin with regular emails OR a welcome sequence, then work toward the hybrid approach as your confidence grows.

Is it better to be broke or in debt? Most people assume that having no money is the worst possible financial situation. But what if living paycheck to paycheck with $0 is actually safer — and smarter — than earning good money while drowning in debt?In this episode, we break down the real difference between being broke and being in debt, and why $0 net worth is better than -$10,000. From the psychological impact to the financial traps most people fall into, this episode exposes the truth about debt, the dangers of living beyond your means, and why broke might actually mean you're on the right path.What you'll learn in this episode: o Why being in debt is more dangerous than being broke o The real cost of debt: mentally, emotionally, and financially o The freedom that comes with living within your means o What lifestyle creep is and how it silently builds debt o Why minimum payments are a trap, not a solution o How broke people can still win — and why they often do o The only kind of debt that might be okay (your home) o What you need to focus on if you're serious about financial freedomKey facts mentioned in this episode: o Over 60% of Americans live paycheck to paycheck (LendingClub, 2023) o Americans hold over $1.16 trillion in credit card debt (Federal Reserve, 2024) o The average credit card APR is at a record-high 22.8% o 47% of U.S. adults say money issues affect their mental health (Bankrate, 2023) o 28% of people struggle to make minimum payments each month o Being debt-free with low income often beats high income with high debtSubscribe to the channel for more empowering content on personal finance, investing, and self-improvement. Don't miss out on the opportunity to unlock your true financial potential and live a life of abundance. It's time to invest in yourself and create the future you deserve!Articles Used:o https://ir.lendingclub.com/news/news-details/2023/60-of-Americans-Now-Living-Paycheck-to-Paycheck-Down-from-64-a-Month-Ago/o https://www.experian.com/blogs/ask-experian/research/consumer-debt-study/#:~:text=Credit%20card%20borrowers%20continued%20to,much%20of%20the%20additional%20increaseo https://www.bankrate.com/loans/personal-loans/money-and-mental-health-survey/#americans-mental-healtho https://www.lendingtree.com/credit-cards/study/average-credit-card-interest-rate-in-america/o https://www.lendingtree.com/credit-cards/study/credit-card-debt-statistics/#:~:text=Fewer%20than%20half%20of%20adult,May%202024%20Federal%20Reserve%20study**Support the Stream By Shopping at Our Store** Buy Your Financial Mirror Gear: https://www.thefinancialmirror.org/shop YouTube: https://www.youtube.com/@thefinancialmirrorRumble: https://rumble.com/TheFinancialMirrorFacebook: https://www.facebook.com/thefinancialmirr0rX: https://twitter.com/financialmirr0rInstagram: https://www.instagram.com/thefinancialmirror/Podcast: https://creators.spotify.com/pod/show/thefinancialmirrorIf you are in need of a Financial Coach, don't waste another day of being in debt, not planning for retirement, or simply wondering where your money went each month. Today is the day to take control of your finances and I can help, no issue is too big or too small. Contact me at https://www.thefinancialmirror.org/#DebtFreeJourney #LivingPaycheckToPaycheck #BrokeButFree #FinancialFreedom #GetOutOfDebt #MoneyMindset #PersonalFinanceTips #StopLivingInDebt #WealthBuilding #DebtFreeCommunity #MoneyTruth #PaycheckToPaycheck #CreditCardDebt #FinancialIndependence #BudgetingTips

Josh and Emily discuss discounts. What happens when you offer discounts, when to offer discounts, alternatives to discounts…and so much more! Top takeaways: Offering a discount can lead to a lot of different places, both positive or negative. If you want to offer pro bono services, have a policy in place about what criteria might need to be met; do not decide on the spot. Lowering your pricing or offering discounts will not increase the number of people who see your business. Want help building or growing a successful financial coaching business? Find resources below based on where you're at in your journey: - Deciding whether Financial Coaching is right for you? Join our free Facebook Community with over 5000 current and aspiring financial coaches! https://www.facebook.com/groups/financialcoachescommunity - Already decided you're going to be a Financial Coach and want to learn more? Get 30+ tips and best practices in our free 8-part email series! https://www.financialcoachesnetwork.com/pre-launch-email-series - Ready to Launch your Financial Coaching business? Join FCN Launch, our step-by-step program that will help you successfully launch your business in four months and grow it to a consistent part-time income. https://www.financialcoachesnetwork.com/launch - Are you already coaching clients and want to grow your business to a full-time income? Join FCN Grow, our program that helps you scale your business to a full-time income. https://www.financialcoachesnetwork.com/grow

Have you ever been told NO to your coaching? In this episode of The Financial Coaches Podcast, the hosts talk about how sometimes people just aren't ready to start with Financial Coaching. Maybe it is a mental/emotional reason, or maybe it's a financial reason. Whatever the case, we cannot just sit back and allow those leads to slip through the cracks, because when we nurture them, the long-term benefits of it can shine through.

Send us a textJoin us on Average Joe Finances as our guest Giang Nguyen from One River Capital, shares her inspiring story of transitioning from a biology major to real estate investing, starting with a single-family foreclosure and scaling up to a multifamily portfolio that allowed her to leave her W2 job and pursue her passion for salsa dancing. She discusses overcoming challenges, the importance of community and mentorship, and tips for new investors. In this episode:Discover the power of aligning your investments with your personal "why" for lasting motivation.Absorb the importance of starting before you're ready—progress comes from doing, not waiting.Grasp how community and mentorship can fast-track your growth and minimize costly mistakes.Understand that calculated risks and collaboration are key to scaling your real estate portfolio.And so much more!Key Moments:00:54 Meet Giang: From Vietnam to Multifamily Investor01:36 Giang's Real Estate Journey Begins02:38 Scaling Up: From Single Family to Multifamily04:15 The Importance of Taking Action07:04 Finding Your Why in Real Estate Investing11:01 Overcoming Mistakes and Learning from Experience16:10 Tips for Aspiring Real Estate Investors18:22 Recommended Books and Resources20:37 Connect with Giang and Final ThoughtsFind Giang Nguyen on:Website: https://onerivercapital.com/Facebook: https://www.facebook.com/thatsalsainvestor/Instagam: https://www.instagram.com/thatsalsainvestorAverage Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comAbout Tawnya: https://www.themoneylifecoach.com/Show Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesSupport the show

From Wall Street to Financial Freedom with Kelly Gushue Unlock Your Financial Future with Kelly Gushue! From Wall Street to Financial Freedom with Kelly Gushue Are you tired of feeling lost when it comes to your finances, constantly worrying about money and not knowing how to secure your future? Are you tired of living paycheck to paycheck and feeling like you're not in control of your financial situation? In this video, Kelly Gushue shares her expert insights on how to take control of your financial future and achieve long-term financial stability. From budgeting and saving to investing and building wealth, Kelly provides actionable tips and strategies to help you make informed financial decisions and secure your financial future. Whether you're just starting out or looking to improve your current financial situation, this video is packed with valuable information to help you achieve financial freedom. So, what are you waiting for? Take the first step towards taking control of your financial future today! Kelly Gushue is a Financial Coach who empowers female leaders to take control of their financial future. As the founder of Personal Finance Warrior (www.PersonalFinanceWarrior.com), she provides coaching programs for women to learn how to invest with confidence, understand their choices, and build wealth in addition to their business or career. Drawing on her experience as a former Portfolio Strategist and Financial Advisor, Kelly guides women through all aspects of investing—including financial markets, real estate, digital assets, and alternative investments—so they can achieve financial freedom on their terms. Inspired by her mother's resilience in rebuilding a life after financial hardship, Kelly is dedicated to ensuring no woman ever feels powerless over her finances again. She holds an undergraduate degree from Harvard University and an MBA from the Booth School of Business at the University of Chicago. As a true global citizen, she has lived in 11 cities and traveled to 50+ countries, enriching her perspective and enabling her to connect with women from all around the world. My name is Rebecca Whitman, awarded Life Coach of the Year by International Association of Top Professionals. USA Today rated me Top 5 Entrepreneurs to Watch in 2024. Follow me: https://www.instagram.com/rebeccaewhitman/ https://www.youtube.com/channel/UC3PaOeXvkhIHue2hreB22Vw https://www.facebook.com/rebecca.whitman https://twitter.com/RebeccaEWhitman https://www.linkedin.com/in/rebeccaewhitman/ My website is: https://www.rebeccaelizabethwhitman.com/ Click here to book a Breakthrough Call and product Promo Codes: http://pillar.io/rebeccaewhitman I believe there are SEVEN pillars of abundance; spirituality, fitness, emotions, romance, mental, social, and finally your financial life. When you get all seven areas in alignment, you are Balanced, Beautiful and Abundant! This show is rated top 1% globally in self-help and won the Positive Change Award by Speak Up Talk Radio. financial coaching, investing confidence, career coaching, personal finance, money management, coaching programs, financial literacy, wealth building, financial independence, portfolio strategy, financial future, financial advisor, business finance, women's financial education, women leaders, female empowerment, investment strategies

From Wall Street to Financial Freedom with Kelly Gushue Unlock Your Financial Future with Kelly Gushue! From Wall Street to Financial Freedom with Kelly Gushue Are you tired of feeling lost when it comes to your finances, constantly worrying about money and not knowing how to secure your future? Are you tired of living paycheck to paycheck and feeling like you're not in control of your financial situation? In this video, Kelly Gushue shares her expert insights on how to take control of your financial future and achieve long-term financial stability. From budgeting and saving to investing and building wealth, Kelly provides actionable tips and strategies to help you make informed financial decisions and secure your financial future. Whether you're just starting out or looking to improve your current financial situation, this video is packed with valuable information to help you achieve financial freedom. So, what are you waiting for? Take the first step towards taking control of your financial future today! Kelly Gushue is a Financial Coach who empowers female leaders to take control of their financial future. As the founder of Personal Finance Warrior (www.PersonalFinanceWarrior.com), she provides coaching programs for women to learn how to invest with confidence, understand their choices, and build wealth in addition to their business or career. Drawing on her experience as a former Portfolio Strategist and Financial Advisor, Kelly guides women through all aspects of investing—including financial markets, real estate, digital assets, and alternative investments—so they can achieve financial freedom on their terms. Inspired by her mother's resilience in rebuilding a life after financial hardship, Kelly is dedicated to ensuring no woman ever feels powerless over her finances again. She holds an undergraduate degree from Harvard University and an MBA from the Booth School of Business at the University of Chicago. As a true global citizen, she has lived in 11 cities and traveled to 50+ countries, enriching her perspective and enabling her to connect with women from all around the world. My name is Rebecca Whitman, awarded Life Coach of the Year by International Association of Top Professionals. USA Today rated me Top 5 Entrepreneurs to Watch in 2024. Follow me: https://www.instagram.com/rebeccaewhitman/ https://www.youtube.com/channel/UC3PaOeXvkhIHue2hreB22Vw https://www.facebook.com/rebecca.whitman https://twitter.com/RebeccaEWhitman https://www.linkedin.com/in/rebeccaewhitman/ My website is: https://www.rebeccaelizabethwhitman.com/ Click here to book a Breakthrough Call and product Promo Codes: http://pillar.io/rebeccaewhitman I believe there are SEVEN pillars of abundance; spirituality, fitness, emotions, romance, mental, social, and finally your financial life. When you get all seven areas in alignment, you are Balanced, Beautiful and Abundant! This show is rated top 1% globally in self-help and won the Positive Change Award by Speak Up Talk Radio. financial coaching, investing confidence, career coaching, personal finance, money management, coaching programs, financial literacy, wealth building, financial independence, portfolio strategy, financial future, financial advisor, business finance, women's financial education, women leaders, female empowerment, investment strategies

The MLC How to Get Ahead Podcast kicks off with Special Guest and Financial Coach, Brian Rump! Brian breaks down how financial anxiety can affect business and the need for coaching to become confident to create and advance in business (6:03). We further discuss how we originate our money paradigms and money scripts, often founded in the trauma of our youth (12:14). Then Lorna pops in with a quick MLC message (22:20)! Finally, Brian shares his upcoming program detail and how to best connect with him (34:32). Learn more about Special Guest, Brian Rump | ⁠https://brianrump.com/ ⁠Take his quiz at: https://brianrump.com/financialanxietyquiz ⁠Follow the Hosts, Austin Bradley @millennial_coach.austin Tanya Lleigh @tanya_lleigh Learn More about MLC @ ⁠https://millenniallifecoaches.com⁠

If you've ever felt like there's not enough time to get everything done in your financial coaching business, you're not alone. Starting a business is tough, especially when you're trying to do it on the side of a 9-to-5. This week on the podcast, we're sharing some golden nuggets on how to efficiently split your time between the essential tasks: working ON your business, snagging those crucial clients, delivering knockout coaching sessions, and keeping your own learning game strong. Plus, we've got a killer time allocation strategy that's perfect for anyone in the early stages of their coaching journey.We're challenging the notion that more hours equals better results. With our practical tips, you can make those precious hours count, focusing on what truly moves the needle in your business.From the must-do client attraction activities to avoiding the common pitfalls that trap new coaches, we're laying it all out there. And because we know how overwhelming it can be, we're also sharing a list of key podcast episodes that are game-changers for upping your client game (you can check out the links to those below!).Links & Resources:Episode 49: The Power of a Financial Coaching ProgramSpecialty Toolkit: A 90-Day Financial Coaching ProgramUltimate Growth GuideEpisode 9: How Do I Get Clients as a Financial Coach?Episode 25: Building Trust in Financial Coaching with the Trust TriadEpisode 28: Why Aren't You Getting More Clients?Episode 34: How to Talk About What You Do as a Financial CoachEpisode 43: How to Get More Coaching Clients from Social MediaEpisode 44: Identify & Craft Your Why for Financial CoachesEpisode 52: Real Talk on Social Media for Financial CoachesEpisode 53: How to Get More Referrals from Your BNI MembershipEpisode 56: How to Use YouTube as a Marketing Strategy

Is keeping your finances separate in marriage putting your relationship at risk? In this episode, we explore why combining finances isn't just a smart money move—it's a crucial step toward building a lasting, unified marriage.We'll cover powerful statistics, expert-backed research, and common misconceptions about money in marriage. You'll discover how financial unity creates trust, simplifies decision-making, and protects your relationship from one of the top causes of divorce: money conflicts.This episode is perfect for engaged couples, newlyweds, or even long-time spouses wondering if it's time to rethink how they handle money.Topics covered:Why “yours vs. mine” doesn't work in a marriage built on unityThe connection between separate finances and divorce riskHow financial transparency leads to deeper trustReal-life examples of couples who turned their marriage around by combining financesPractical tips for merging accounts and setting shared financial goalsWhether you're a saver, spender, or somewhere in between, this conversation will help you align your financial habits with your relationship goals.Articles Referenced https://www.ramseysolutions.com/relationships/married-couples-how-to-combine-bank-accountshttps://www.ramseysolutions.com/company/newsroom/releases/money-ruining-marriages-in-americahttps://middleclassdadmoney.com/should-couples-share-bank-accounts/https://pmc.ncbi.nlm.nih.gov/articles/PMC3230928/https://www.forbes.com/advisor/legal/divorce/divorce-statistics/https://www.yahoo.com/lifestyle/financial-disagreements-strong-predictor-divorce-233000764.htmlhttps://www.thejimenezlawfirm.com/what-percent-of-marriages-end-in-divorce-because-of-money/If you found this episode helpful, consider subscribing for more content on relationships, money, and building a strong future together.**Support the Stream By Shopping at Our Store** Buy Your Financial Mirror Gear: https://www.thefinancialmirror.org/shop YouTube: https://www.youtube.com/@thefinancialmirrorRumble: https://rumble.com/TheFinancialMirrorFacebook: https://www.facebook.com/thefinancialmirr0rX: https://twitter.com/financialmirr0rInstagram: https://www.instagram.com/thefinancialmirror/Podcast: https://creators.spotify.com/pod/show/thefinancialmirrorIf you are in need of a Financial Coach, don't waste another day of being in debt, not planning for retirement, or simply wondering where your money went each month. Today is the day to take control of your finances and I can help, no issue is too big or too small. Contact me at https://www.thefinancialmirror.org/#MarriageAdvice #MoneyAndMarriage #RelationshipGoals #CouplesFinance #DivorcePrevention #SharedFinances #PersonalFinance #FinancialFreedom #MarriageTips #FinanceForCouples #BudgetTogether #FinancialWellness #MarriageSuccess #MoneyTalks #MarriageGoals #CouplesTherapy #RelationshipTips #MoneyMatters #FinancialPlanning #MoneyFights #MarriageHelp #MarriedLife #MarriageCommunication #JointBankAccount #FinanceTips

Amelie and Josh discuss top takeaways from the inaugural State of Financial Coaching survey! Top takeaways: Coaches with niches have more paying clients and higher prices. Counselors with high revenue have niches. Year 1 revenue is REALLY BAD across the board (less than minimum wage bad). Many coaches with high revenue have some form of training and recognized credentials. Counselors with high revenue growth use active prospecting–networking events, contacting referral partners, etc. Coaches with high revenue growth usually have structured programs. Coaches with high revenue growth invest in their businesses. Resources: - Watch this video to see the graphs AND purchase the report here: https://www.financialcoachesnetwork.com/state-of-financial-coaching-counseling-study - Participate in the 2025 survey here: https://form.jotform.com/250657386207159 Want help building or growing a successful financial coaching business? Find resources below based on where you're at in your journey: - Deciding whether Financial Coaching is right for you? Join our free Facebook Community with over 5000 current and aspiring financial coaches! https://www.facebook.com/groups/financialcoachescommunity - Already decided you're going to be a Financial Coach and want to learn more? Get 30+ tips and best practices in our free 8-part email series! https://www.financialcoachesnetwork.com/pre-launch-email-series - Ready to Launch your Financial Coaching business? Join FCN Launch, our step-by-step program that will help you successfully launch your business in four months and grow it to a consistent part-time income. https://www.financialcoachesnetwork.com/launch - Are you already coaching clients and want to grow your business to a full-time income? Join FCN Grow, our program that helps you scale your business to a full-time income. https://www.financialcoachesnetwork.com/grow

Have you been experiencing anxiety around your consultations? In this episode of The Financial Coaches Podcast, Cody shares one shift that he made that made an incredible difference in his conversion rate from consultation to client.

"Not a single person on their deathbed says, 'I really wanted to get to a net worth of $1.5 million and I only got to 1 million, and I'm so upset.'" Dr. Jordan Grumet, author of "The Purpose Code," challenges us to rethink what truly matters when it comes to money and purpose.Jordan found his path to medicine after losing his father unexpectedly, and this personal experience gave him a unique perspective that now shapes how he helps others think about wealth, purpose, and what truly matters.This week on the podcast, Jordan, a hospice doctor, shares what people actually regret at the end of their lives (hint: it's never about not having enough money). Instead, they wish they had found the courage to pursue experiences and activities that lit them up.We explore the difference between "big P purpose" (those anxiety-inducing, goal-oriented dreams) and "little p purpose" (the everyday activities that bring us joy and fulfillment). Jordan explains why focusing on the process rather than the outcome often leads to more satisfaction.For financial coaches, this conversation offers a great perspective on how to help clients balance their pursuit of financial goals with living purposefully today. Jordan challenges the idea that spending money must always have a direct financial ROI and suggests instead that "happy money comes in, and then it behooves you to put happy money back out there."Whether you're a financial coach looking to better serve your clients or someone searching for more meaning in your own life, this conversation will help you rethink your approach to purpose and wealth.Links & Resources:Ultimate Growth GuideJoin the Facebook groupThe Purpose Code by Dr. Jordan Grumet Visit Dr. Jordan Grumet's website  Listen to Earn and InvestHappy Money by Ken HondaKey Takeaways:Purpose isn't something you find after achieving financial goals—it's what you create through small, everyday activities that light you up.Check your calendar: Are most entries activities you loathe or activities that energize you? Your answer reveals how purposeful your life truly is.Money isn't the goal; it's simply a tool to help you spend more time doing things that matter and less time doing things you hate.No one on their deathbed regrets not reaching a higher net worth—they regret not having the courage to pursue experiences that mattered to them.When clients say "I want financial freedom," ask "why?" repeatedly until you uncover the real purpose they're seeking beneath the numbers.The achievement treadmill keeps you chasing bigger goals while never feeling "enough"—step off by finding joy in the process rather than fixating on outcomes.Little purpose creates big happiness when it connects you with others—the strongest predictor of a fulfilled life isn't wealth but meaningful relationships.

The moment you choose to change your relationship to money is the moment you change every single generation ahead of you. In this episode of Finding Brave, top financial wellbeing speaker, multi-award-winning Financial Coach, and international author Catherine Morgan joins us to talk about a vitally important topic: when money feels dangerous and how to heal our survival response to wealth. A Financial Wellbeing Speaker, multi-award-winning Financial Coach, and international author of the bestselling book It's Not About the Money, Catherine presents a trauma-informed psychological approach to money. As the founder of The Money Panel®, Catherine trains financial professionals through her acclaimed Financial Coach Certification program, and works with consumers through empowering courses and retreats.  Recognized as one of the top 32 female entrepreneurs by Business Leader, her expertise has been featured in a wide array of top media and her podcast It's Not About The Money is in the top 0.5% in the world. Catherine's journey into financial coaching began with her own realization of how emotions and money are deeply connected. She unpacks the hidden blueprint of abundance that we inherit, particularly from maternal relationships, and how these subconscious beliefs can impact our financial well-being. We also discuss the core beliefs that influence financial health, as well as the new paradigms of wealth, expansion, and contraction. Catherine sheds light on the powerful emotions of shame and guilt around money, how they manifest in the body, and the essential practice of reclaiming your worth beyond financial status. Finally, Catherine offers a simple yet transformative piece of advice that is relevant for everyone, no matter where they are in their financial journey. Through forgiveness work and deep self-acceptance, she reveals how we can release financial fear and step into a healthier, more empowered and loving relationship with money. If you're ready to shift your financial story and experience and embrace true wealth as it feels most heart-aligned for you, this episode is a must-listen.   Key Points From This Episode:  Welcome to Catherine Morgan, who is also featured in the Finding Brave Episode 205 and 206 in our 2-part series about Building Financial Wellbeing Into the Heart of Your Life and Work. [02:11] Catherine's first experiences of the connections between emotions and money. [06:20] The blueprint of abundance that we inherit from our maternal relationships. [12:11] Core beliefs that influence your financial health and more. [19:30] New paradigms of wealth and money and what it means to expand and contract with wealth. [26:04] Understanding that “you are not your money” - observing shame and guilt about money in the body and reclaiming your worth beyond money. [34:23] A potent piece of practical advice that is relevant for every individual on a way to recognize and heal your relationship with money. [40:27] Defining wealth on a personal level, beyond financial success. [45:25]   For More Information: Catherine Morgan Catherine Morgan on XCatherine Morgan on Instagram Catherine Morgan on LinkedIn The Money PanelWealthy Women Community   Links Mentioned in Today's Episode: Catherine's Quiz, What's Your Money Storytypes? Maria Nemeth's Book, The Energy of Money: A Spiritual Guide to Financial and Personal Fulfilment Bessel van Der Kolk's Book, The Body Keeps the Score: Brain, Mind, and the Body in the Healing of Trauma The HearthMath Institute   ——————— READY FOR A HUGE PERSONAL SHIFT TO ACHIEVE MORE SUCCESS, IMPACT AND FULFILLMENT IN YOUR CAREER THIS YEAR?  Work with Kathy and get hands-on, transformative CAREER & LEADERSHIP GROWTH COACHING SUPPORT today!   Join me today in one of my top-requested career and leadership growth 1:1 coaching programs and take 20% off the price this week with coupon code ‘FBRAVE20 as my thank-you for tuning in today.! Visit my Career Help page, or click the links below for more information and to register today and save 20%: – Accelerate Your Job Search Success (3 sessions)– Career & Leadership Breakthrough program (6 sessions)– Build Your Confidence, Sucess and Impact (10 sessions) ———————   GET INSTANT ANSWERS TO YOUR PRESSING CAREER QUESTIONS 24/7 WITH KATHY'S DIGITAL CAREER COACHING TOOL —KATHY CAPRINO AI I'm thrilled to share my new Kathy Caprino AI career and leadership growth digital coaching tool. Here's more about it! >> https://kathycaprino.com/kathyai Powered by Delphi.ai, this tool brings my career growth teachings, advice, and answers honed from 18 years of coaching thousands of professionals. It offers tailored answers to your most pressing questions directly to you, 24/7. As a subscriber, you'll get unlimited access and can message or audio chat with my AI clone anytime you need guidance, plus special one-on-one help from me when you register for the annual membership. Drawing on 40+ years of work experience—from corporate life, therapy, and coaching to writing and speaking across 6 continents—I've trained Kathy AI using over 2.6 million words of my own content, including articles, books, podcasts, interviews, and workshops seen by over 41 million people. Let Kathy Caprino AI be your trusted resource for real-time career, leadership, and personal growth support. Check it out and subscribe today at kathycaprino.com/kathyai. I hope it becomes a game-changer for you! ——————— Order Kathy's book The Most Powerful You today! In Australia and New Zealand, click here to order, elsewhere outside North America, click here, and in the UK, click here. If you enjoy the book, we'd so appreciate your giving it a positive rating and review on Amazon! And check out Kathy's digital companion course The Most Powerful You, to help you close the 7 most damaging power gaps in the most effective way possible.   Kathy's Power Gaps Survey, Support To Build Your LinkedIn Profile To Great Success & Other Free Training  Kathy's TEDx Talk, Time To Brave Up & Free Career Path Self-Assessment Kathy's Vidoe courses: Amazing Career Project and The Most Powerful You   ——————— Quotes:  “Money really is a mirror reflection of the relationship we have with ourselves.” — @themoneypanel [0:06:46] “The relationship we have with money is the relationship we have with ourselves and our identity and self-worth.” — @themoneypanel [0:16:40] “Somewhere underneath or in between those threads is this core belief that money is not safe for me - either to make or ask for it, or it's not safe to keep it and hold it.  [0:21:40] “It is key to recognize that money and the relationship you have to it is a survival response.” — @themoneypanel [0:24:09] “The way that wealth has been created is not the way that wealth will be created. We are shifting into an entirely new paradigm” — @themoneypanel [0:26:11] “The way that we spend money, the way that we invest, the way that we save – is driven by our value system.” — @themoneypanel [0:30:45] “It's about ‘being' wealth as well as ‘doing' wealth.” — @themoneypanel [0:42:05]   Watch our Finding Brave episodes on YouTube! Don't forget – you can experience each Finding Brave episode in both audio and video formats! Check out new and recent episodes on my YouTube channel at YouTube.com/kathycaprino. And please leave us a comment and a thumbs up if you like the show!

#264 Corey Smallwood, owner of Go Performance Clarksburg and Gyminai Fitness Solutions joins me to explore the evolving role of AI in the fitness industry. With 28 years of experience as a coach, speaker, and consultant, Corey brings unique insight into how AI can help fitness professionals save time, enhance client experiences, and stay ahead of the curve. In this episode, we cover: Is using AI in fitness "cheating"? Where to begin if you're brand new to AI Will AI replace coaches? How to stay relevant in an AI-powered future If you're curious (or concerned) about AI, this episode is for you. Links & Resources: Connect with Corey on IG Go Performance Coaches Unscripted Podcast Other Resources & Links:  

Send us a textJoin us on Average Joe Finances as our guest Marcia Dawood, a seasoned angel investor, shares her journey from corporate America to discovering the world of angel investing. She explains how angel investing is accessible even for those who aren't super wealthy and discusses the importance of diversification and having a solid investment thesis. The conversation delves into different types of crowdfunding, including equity crowdfunding and debt crowdfunding, as well as the challenges and opportunities in the current investment landscape. In this episode:Discover how angel investing is more accessible than ever, with opportunities starting at just $50.Learn why diversification and due diligence are key to building a strong investment portfolio.Understand how to spot truly innovative startups beyond the hype of trending buzzwords.Explore alternative investing approaches like debt crowdfunding for lower-risk entry points.And so much more!Key Moments:00:55 Guest Introduction: Marcia Dawood01:27 Marcia's Journey into Angel Investing02:59 Understanding Angel Investing05:07 Comparing Angel Investing to Real Estate Syndication05:49 The Role of Funds in Angel Investing06:54 Risks and Rewards of Angel Investing12:36 Marcia's Book: Do Good While Doing Well15:21 Equity Crowdfunding and Platforms18:32 Debt Crowdfunding Explained25:30 Podcast Milestones and Notable Guests25:40 Democratizing Private InvestingFind Marcia Dawood on:Website: https://www.marciadawood.com/LinkedIn: https://www.linkedin.com/in/marciadawood/Facebook: https://www.facebook.com/marcia.dawoodAverage Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comAbout Tawnya: https://www.themoneylifecoach.com/Show Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesSupport the show

Kelly Gushue is a former investment industry insider turned Financial Coach as the founder of Personal Finance Warrior (www.PersonalFinanceWarrior.com). She helps women take control of their finances, invest with confidence, and build lasting wealth alongside their careers or businesses. Drawing on her experience as a Portfolio Strategist and Financial Advisor, Kelly knows how overwhelming investing can feel—and she's passionate about making it approachable, practical, and empowering. Whether it's financial markets, real estate, digital assets, or alternative investments, Kelly guides women step-by-step to achieve financial freedom on their terms. Kelly's inspiration comes from her mother, who rebuilt her life after financial hardship. Her story fuels Kelly's mission to ensure no woman ever feels powerless over her money. As a graduate of Harvard University and the Booth School of Business at the University of Chicago, Kelly combines world-class expertise with a deep understanding of the challenges women face in managing wealth. As a global citizen who has lived in 11 cities and traveled to over 50 countries, Kelly brings a unique perspective to her work, connecting deeply with women from all backgrounds. Her goal is simple: to give every woman the tools she needs to create a life of financial independence and confidence. https://bit.ly/wealthlist #PersonalFinance #InvestingForWomen #FinancialFreedom #WealthBuilding #MoneyManagement   Body Transformation System!https://modere.io/NbOyU2 https://calendly.com/rebeccaelizabethwhitman/breakthrough To learn more about Rebecca…https://www.rebeccaelizabethwhitman.com/#home