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Why do so many smart, capable women struggle with money? And more importantly—how do we fix it? In this episode of Getting Real, I sit down with Barbara Huson, a bestselling author, financial therapist, and wealth coach, to uncover the biggest money mistakes women make and the mindset shifts that can change everything.Barbara shares her powerful journey from financial crisis to financial expert, breaking down the steps to rewire your brain for wealth so you can attract, keep, and grow your money with confidence. Whether you're feeling stuck financially or ready to level up, this conversation is packed with insights that will help you shift your relationship with money for good!

Meet Barbara Huson Barbara Stanny Huson is a renowned author, speaker, and financial expert who has helped thousands of women transform their relationships with money. After struggling with financial challenges in her early years, Barbara made it her life's mission to understand the psychology of money and help women become financially empowered.   She has written numerous bestselling books (some of my all-time favorites) on the subject, including Prince Charming Isn't Coming: How Women Get Smart About Money, Overcoming Underearning: A Five-Step Plan to a Richer Life, Sacred Success: A Course in Financial Miracles and Rewire for Wealth.   Barbara has become a leading voice in the personal finance world and a champion of women's financial health. She has been featured on major media outlets, including The Today Show, CNN, and The New York Times, and has spoken at conferences and events all over the world. Barbara's unique approach to financial empowerment is grounded in spiritual principles and focuses on helping women overcome limiting beliefs and tap into their inner strength and wisdom. She believes that true wealth is not just about money but also encompasses a sense of purpose, fulfillment, and joy.    Sacred Success As one of my personal mentors and teachers, I wanted to bring Barbara back on my show to talk about overcoming fear and a scarcity mindset in a time of economic shifts.   If you're ready to take charge of your financial future and become the boss of your money and financial well-being, you won't want to miss this exciting interview on the You-est You podcast. Barbara's wisdom and experience will inspire and motivate you to take action.   Fear is an indicator light of success. Success always lies outside our comfort zone. As Joseph Cambell said, “The cave you fear to enter is where your treasure lies.” It's crucial to enter the points of pain and fear as this is where you will begin to heal and transform. It's our secrecy and silence that keep us stuck. Focusing on your thoughts and feelings leading to the fears and stories that aren't serving your financial well-being is a good place to start.    Barbara defines sacred success as pursuing your soul's purpose for your own bliss and the benefit of others while being richly rewarded. Isn't that SO powerful?    A Busy Woman's Guide to Financial Success Barbara interviewed thousands of successful, high-earning women and came to the following realization about women creating success financially:    1) No one is going to save you or do it for you  2) You don't have to do it alone and shouldn't go at it alone (as women, we're wired for connection and naturally relationship-oriented)  3) Find a financial professional to help you   These are the habits that are crucial to building financial literacy and wealth:  Every day you must read something about money and familiarize yourself with the jargon. Every week have a conversation about money with someone who knows more than you do. Every month save automatically and make it a consistent habit.   The Wealth Connection Whether you know it or not, the brain controls our behavior, and our mind shapes our brain. Barbara explains that true financial success is 4 pronged in this way:   You must do the outer work of wealth (knowing your numbers, getting help managing your money, learning about money, and increasing your financial literacy).   You need to pursue the Inner work of wealth, which includes studying your attitudes, beliefs, and early decisions around money.   There's a spiritual and higher realm of wealth, and once you know your purpose and are financially stable, you can be of higher service. The more you have, the more you can give.   The deeper work of your mind and brain connection is crucial and often overlooked. This is explained in depth in Barbara's book, Rewire for Wealth.    The Three Levels of Financial Wellbeing Barbara shared in clear and easy terms the three levels of financial being. See which one resonates the most and how you might start working on your own financial set point to move to the level of affluence and overflow.    The three levels of financial being are: Survival - this is where you do not have enough money and feel like you are barely getting by. Stability - you have just enough money but not a lot of extra or overflow.   Affluent - You have more than enough money and are able to experience financial freedom on all levels.    We discussed how to create affluence. I thought Barbara's wisdom here was spot on. To have affluence, you need to give up profit as the primary goal. It's actually about greatness.    Greatness is the intersection where your deep gladness meets the world's deepest hunger. As Frederick Buechner said, “The place God calls you to is the place where your deep gladness and the world's deep hunger meet.”That is sacred success.    Spiritual Guidance With Money A Course In Miracles (ACIM) is a spiritual guide that helped Barbara to heal her relationship with money (and is helping me on my own journey as well). Money gives us choices and freedom. As Dr. Rev. Michael Beckwith says, “You can't be the Light of the world if you can't pay your light bills.“ I loved Barbara's definition of money (something she almost left out of her book for fear of being too ‘woo woo') – “I believe that money is God made visible.” This exact quote is what put her book on the map worldwide.    Back to ACIM and how this relates. A miracle is defined as a shift in perception. That is what you want to ask for with your money and in general. You're asking to have a shift in how you're perceiving money on all levels. One way to do this is by making spiritual guidance a daily practice to embed this as a new way to view the world and money.    I had to ask Barbara about her daily morning practice, and here's what she does: Half an hour of stretching. Listens to uplifting music (for her, it's country!) Reads the lesson of the day from ACIM. Meditation in bed. Imagines how she wants to feel that day to pre-pave her day. Eats breakfast in bed with her hubby.   Overcoming Fear We discussed overcoming fears, especially around money. When you feel fear about your money, be sure to stay in the energy of inspiration. Above all else, ask the Universe something like: ‘Let me see this differently. Let me see this through your inspiration and eyes.' Remember, wealth comes from you becoming and being your authentic self (what I call your ‘You-est You'), which is often conditioned out of you.    My friend, get ready to unlock your full financial potential and spiritual connection to money. Go to barbara-huson.com to learn more about Barbara, her books and work, and her amazing community for women wanting a greater connection to finances, wealth, and heart-centered living.      Looking To Help Others Know Who They Are and Design Their Best Life? If you are feeling a strong urge to help other big-hearted empaths get unstuck and design their best life, you've got to check out my Life Designer Coach Academy. This world-class four-month virtual live coach certification program will give you proven tools, techniques, practices, and methodology to be a powerful coach. This coaching program is for aspiring and current coaches looking to fill in the missing pieces and gain confidence and mastery both in the coaching core competencies and the integrative health modalities from a mind-body science, positive psychology, and healing arts perspective. To learn more, go to lifedesignercoachacademy.com.   You-est You Intention Cards Want your own powerful deck of 33 You-est You Intention Cards? These cards were channeled by Julie. Each card has an empowering intention and deeper questions to ask your ‘You-est You' for greater self-awareness, higher consciousness, and spiritual growth. You can get them now at juliereisler.com/shop.    Sacred Connection As always, this community is a sacred, safe place built on love and acceptance. It was created to help you evolve and expand into your highest self. Please share your wisdom, comments, and thoughts. I love hearing from you and learning how you are being your truest, you-est you. Please join us in our Facebook group: The You-est You® Podcast Community. Join host Julie Reisler, author and multi-time TEDx speaker, each week to learn how you can tap into your best self and become your You-est You® to achieve inner peace, happiness, and success at a deeper level! Tune in to hear powerful, inspirational stories and expert insights from entrepreneurs, industry thought leaders, and extraordinary human beings that will help to transform your life. Julie also shares a-ha moments that have shaped her life and career and discusses key concepts from her book Get a PhD in YOU Here's to your being your you-est you! Enjoying the show? For iTunes listeners, get automatic downloads and share the love by subscribing, rating & reviewing here!   *Share what you are struggling with or looking to transform with Julie at team@juliereisler.com. Julie would love to start covering topics of highest interest to YOU.   You-est You Links: Subscribe to the Podcast  Learn more at JulieReisler.com Become a certified Life Coach in Julie's Life Designer Coach Academy certification program Become a Sacred Member at the Sacredology® Membership Join The You-est You® Podcast Community on Facebook Subscribe to Julie's YouTube Channel Book Julie as a speaker at your upcoming event Amazon #1 Best selling book Get a PhD in YOU Download free guided-meditations from Insight Timer Julie's Hungry For More Online Program (10 Module Interactive Course) 15 Days Of Gratitude To Change Your Life on Insight Timer  

Barbara Huson is the author of 7 best selling books with a powerful teaching for women. Her message is to teach women the secret wisdom of creating wealth and asserting power as a woman. As her story goes: she grew up relying on her father (the “R” of H&R Block), then her husband, to manage her inheritance. But early in the marriage, she found out her husband was a compulsive gambler. She explains she continued to let him handle all our finances because that's how scared and intimidated she was by money. Soon after she received a tax bill for over $1m for illegal deals from her ex husband. He'd left the country. She didn't have anywhere close to $1m. And her father wouldn't lend her the money. She had three daughters — one just a baby at the time. That's when she knew she had to get smart. And she did. Today Barbara is here to share her journey to financial independence in hopes of inspiring, and even better, motivating YOU to become smart (or smarter) with money… and earn more than you're making now. It's much simpler and more in your control than you may realize she says. Barbara's 7 books linked below: Prince Charming Isn't Coming: How Women Get Smart About Money Secrets of Six-Figure Women: Surprising Strategies to up Your Earnings and Change Your Life Overcoming Underearning: A Five-Step Plan to a Richer Life Finding a Financial Advisor You Can Trust: A Guide for Investors and Those Who Want To Be Breaking Through: Getting Past the Stuck Points in Your Life Sacred Success: A Course in Financial Miracles Rewire for Wealth: Three Steps Any Woman Can Take to Program Her Brain for Financial Success   Join us for a transformative, healing retreat designed for women. I AM WOMAN PROGRAM: https://www.inspirehealthbyjen.com/iamwoman ONLY A FEW SPOTS LEFT FOR THE I AM WOMAN RETREAT: https://www.inspirehealthbyjen.com/retreats/i-am-woman-retreat   FREE One Day Detox https://www.inspirehealthbyjen.com/onedaydetox   Blog https://www.middaypigeon.com/   Work with me: https://www.inspirehealthbyjen.com/work-with-jen   Podcast requests and questions:  https://forms.gle/bbpYJKTPhmsezYs3A   Work with Jen: https://www.inspirehealthbyjen.com/   If you have questions or would like me to help you get started… Let's get in touch and begin your true path of healing today. Your body and your mind will eternally thank you!

I want to teach you the secret wisdom of creating wealth and asserting power, as a woman… wisdom which took me over 40 years to figure out. I grew up relying on my father (the “R” of H&R Block), then my husband, to manage my inheritance. But early in my marriage, I found out my husband was a compulsive gambler. And here's the insane part — I continued to let him handle all our finances because that's how scared and intimidated I was by money. That didn't change until a devastating financial crisis became a personal wake-up call. I got tax bills for over $1m for illegal deals my ex got us in. He'd left the country. I didn't have anywhere close to $1m. And my father wouldn't lend me the money. I had three daughters — one just a baby, and I was not going to raise them on the street. That's when I knew I had to get smart. And I did. I share my journey to financial independence in hopes of inspiring, and even better, motivating YOU to become smart (or smarter) with money… and earn more than you're making now. It's much simpler and more in your control than you may realize. My life took a miraculous turn when I began, as a former journalist, interviewing financially savvy women. I discovered a surprising series of insights that all these women shared — insights that enabled them (and eventually, me) to get smart about money. Those insights became the core of my first book, Prince Charming Isn't Coming: How Women Get Smart About Money (Penguin). Suddenly, I was a financial expert, with a whole new career, traveling the country educating women about money. But I couldn't make money, at least not very much, no matter how hard I worked. That's when my mentor, Karen McCall, told me I was an underearner. “I am not!” I protested. “I'm a writer. Everyone knows writers don't make money!!!” I truly believed that until I decided to focus my research on women's earnings. Rather than concentrate on the wage gap and gender barriers, I turned my attention to the women who were breaking those barriers. I interviewed over 150 women who made $100,000 or more. My goal: to find out how they did it, if I could too, and how to avoid the pitfalls along the way. From this new research came my next book, Secrets of Six Figure Women: Surprising Strategies to Up Your Earnings and Change Your Life (HarperCollins). I not only uncovered the secrets that enabled these women to become financially successful, but for the first time in my life, I became a six-figure woman — before I even finished writing the book. At the same time, I began giving Overcoming Underearning® seminars to teach others what I was learning. --- Send in a voice message: https://anchor.fm/kara-allan/message Support this podcast: https://anchor.fm/kara-allan/support

I want to teach you the secret wisdom of creating wealth and asserting power, as a woman… wisdom which took me over 40 years to figure out. I grew up relying on my father (the “R” of H&R Block), then my husband, to manage my inheritance. But early in my marriage, I found out my husband was a compulsive gambler. And here's the insane part — I continued to let him handle all our finances because that's how scared and intimidated I was by money. That didn't change until a devastating financial crisis became a personal wake-up call. I got tax bills for over $1m for illegal deals my ex got us in. He'd left the country. I didn't have anywhere close to $1m. And my father wouldn't lend me the money. I had three daughters — one just a baby, and I was not going to raise them on the street. That's when I knew I had to get smart. And I did. I share my journey to financial independence in hopes of inspiring, and even better, motivating YOU to become smart (or smarter) with money… and earn more than you're making now. It's much simpler and more in your control than you may realize. My life took a miraculous turn when I began, as a former journalist, interviewing financially savvy women. I discovered a surprising series of insights that all these women shared — insights that enabled them (and eventually, me) to get smart about money. Those insights became the core of my first book, Prince Charming Isn't Coming: How Women Get Smart About Money (Penguin). Suddenly, I was a financial expert, with a whole new career, traveling the country educating women about money. But I couldn't make money, at least not very much, no matter how hard I worked. That's when my mentor, Karen McCall, told me I was an underearner. “I am not!” I protested. “I'm a writer. Everyone knows writers don't make money!!!” I truly believed that until I decided to focus my research on women's earnings. Rather than concentrate on the wage gap and gender barriers, I turned my attention to the women who were breaking those barriers. I interviewed over 150 women who made $100,000 or more. My goal: to find out how they did it, if I could too, and how to avoid the pitfalls along the way. From this new research came my next book, Secrets of Six Figure Women: Surprising Strategies to Up Your Earnings and Change Your Life (HarperCollins). I not only uncovered the secrets that enabled these women to become financially successful, but for the first time in my life, I became a six-figure woman — before I even finished writing the book. At the same time, I began giving Overcoming Underearning® seminars to teach others what I was learning. --- Send in a voice message: https://podcasters.spotify.com/pod/show/kara-allan/message Support this podcast: https://podcasters.spotify.com/pod/show/kara-allan/support

I want to teach you the secret wisdom of creating wealth and asserting power, as a woman… wisdom which took me over 40 years to figure out.I grew up relying on my father (the “R” of H&R Block), then my husband, to manage my inheritance. But early in my marriage, I found out my husband was a compulsive gambler. And here's the insane part — I continued to let him handle all our finances because that's how scared and intimidated I was by money.That didn't change until a devastating financial crisis became a personal wake-up call. I got tax bills for over $1m for illegal deals my ex got us in. He'd left the country. I didn't have anywhere close to $1m. And my father wouldn't lend me the money. I had three daughters — one just a baby, and I was not going to raise them on the street. That's when I knew I had to get smart. And I did.I share my journey to financial independence in hopes of inspiring, and even better, motivating YOU to become smart (or smarter) with money… and earn more than you're making now. It's much simpler and more in your control than you may realize.My life took a miraculous turn when I began, as a former journalist, interviewing financially savvy women.I discovered a surprising series of insights that all these women shared — insights that enabled them (and eventually, me) to get smart about money. Those insights became the core of my first book, Prince Charming Isn't Coming: How Women Get Smart About Money (Penguin).Suddenly, I was a financial expert, with a whole new career, traveling the country educating women about money. But I couldn't make money, at least not very much, no matter how hard I worked. That's when my mentor, Karen McCall, told me I was an underearner.“I am not!” I protested. “I'm a writer. Everyone knows writers don't make money!!!”I truly believed that until I decided to focus my research on women's earnings. Rather than concentrate on the wage gap and gender barriers, I turned my attention to the women who were breaking those barriers.I interviewed over 150 women who made $100,000 or more.My goal: to find out how they did it, if I could too, and how to avoid the pitfalls along the way. From this new research came my next book, Secrets of Six Figure Women: Surprising Strategies to Up Your Earnings and Change Your Life (HarperCollins).I not only uncovered the secrets that enabled these women to become financially successful, but for the first time in my life, I became a six-figure woman — before I even finished writing the book.At the same time, I began giving Overcoming Underearning® seminars to teach others what I was learning.After a few years, I went back and interviewed hundreds of women who had attended my seminars. The result became my next book, Overcoming Underearning®: A Five Step Plan to a Richer Life.Soon after, I set a new goal for myself — make millions, help millions, and give millions — which would be the subject of my next book. I began interviewing women who were making millions. But three years later, there was no book, no millions, and I was totally burned out.My coach at the time said, “Barbara you're too into doing. You need time for just being.”A New Model For Financial SuccessI knew my coach was right, so I took some time off.During this period, as I reread my transcripts, I discovered what I'd missed. The women I had interviewed each achieved remarkable success in a radically different way than the world models. I called this “other” way Sacred Success — pursuing your soul's purpose, for your own bliss and the benefit of others, while being richly...

Infidelity creates turmoil both personally and financially. Not only must you make decisions about yourself and your marriage, but you also must face some very real financial realities. As overwhelming as it may seem, you can learn to make, manage, and grow your money regardless of your marital or motherhood status. Top take-a-ways: Three simple steps to becoming financially literate. The connection between money and power, and why doing the internal work of knowing who you are and what you want is the key to happiness and success. Achieving sacred success and the difference between survival, stability, and affluence. Consciously creating your financial legacy. You can find out more about Barbara, her work, coaching, and books at https://www.barbara-huson.com/ Consider joining Barbara's Wealth Connection, a Virtual Community of Women Supporting Women! Because Wealth Building isn't just about the money. It's about becoming the powerful woman you were meant to be. The #1 reason women don't invest is lack of confidence. The Wealth Connection is not like any other program out there. It offers coaching, group support, expert advice, and financial education. If you're ready to become a Financially Savvy Wealth Builder this community is for you. Only $47 a month! Learn more at: https://www.barbara-huson.com/the-wealth-connection/   Helpful Resources: HerMoney Newsletter: https://hermoney.com/ ElleVest Newsletter: https://www.ellevest.com/newsletter   About Barbara: Barbara Huson, formerly known as Barbara Stanny, is a wealth coach who wants to teach you the secret wisdom of creating wealth and asserting power, as a woman… wisdom that took her over 40 years to figure out. She grew up relying on her father (the “R” of H&R Block), then her husband, to manage her inheritance. But early in her marriage, she found out her husband was a compulsive gambler. And here's the insane part — she continued to let him handle all their finances because that's how scared and intimidated she was by money. That didn't change until a devastating financial crisis became a personal wake-up call. She got tax bills for over $1m for illegal deals her ex got them into. He'd left the country. She didn't have anywhere close to $1m. And her father wouldn't lend her the money. She had three daughters — one just a baby, and she was not going to raise them on the street. That's when she knew she had to get smart. And she did. Join me and Barbara as she shares her journey to financial independence in hopes of inspiring, and even better, motivating YOU to become smart (or smarter) with money… to earn more than you're making now, and to create the legacy that you desire! It's much simpler and more in your control than you may realize. She is the author of Prince Charming Isn't Coming: How Women Get Smart About Money (Penguin) Secrets of Six Figure Women: Surprising Strategies to Up Your Earnings and Change Your Life (HarperCollins) Overcoming Underearning® A Five Step Plan to a Richer Life, and Sacred Success — pursuing your soul's purpose, for your own bliss and the benefit of others, while being richly rewarded. Download Rewire for Wealth: Three Steps Any Woman to Program Her Brain For Financial Success, for free on her website@ https://www.barbara-huson.com/   Lora Cheadle is an infidelity survivor who uses the concepts in burlesque to help women reclaim their identity and self-worth after betrayal so they can move forward with confidence, embrace their sexy, and create a life they love!   Download your Sparkle After Betrayal Recovery Guide at www.BetrayalRecoveryGuide.com and start reclaiming yourself and your life today!

Understanding Money-Your Post-Infidelity Plan with Barbara Huson, formerly Barbara Stanny Infidelity creates turmoil both personally and financially. Not only must you make decisions about yourself and your marriage, but you also must face some very real financial realities. As overwhelming as it may seem, you can learn to make, manage, and grow your money regardless of your marital or motherhood status. Top take-a-ways: Three simple steps to becoming financially literate. The connection between money and power, and why doing the internal work of knowing who you are and what you want is the key to happiness and success. Achieving sacred success and the difference between survival, stability, and affluence. Consciously creating your financial legacy. You can find out more about Barbara, her work, coaching, and books at https://www.barbara-huson.com/ Consider joining Barbara's Wealth Connection, a Virtual Community of Women Supporting Women! Because Wealth Building isn't just about the money. It's about becoming the powerful woman you were meant to be. The #1 reason women don't invest is lack of confidence. The Wealth Connection is not like any other program out there. It offers coaching, group support, expert advice, and financial education. If you're ready to become a Financially Savvy Wealth Builder this community is for you. Only $47 a month! Learn ore at: https://www.barbara-huson.com/the-wealth-connection/ Helpful Resources: HerMoney Newsletter: https://hermoney.com/ ElleVest Newsletter: https://www.ellevest.com/newsletter About Barbara: Barbara Huson, formerly known as Barbara Stanny, is a wealth coach who wants to teach you the secret wisdom of creating wealth and asserting power, as a woman… wisdom that took her over 40 years to figure out. She grew up relying on her father (the “R” of H&R Block), then her husband, to manage her inheritance. But early in her marriage, she found out her husband was a compulsive gambler. And here's the insane part — she continued to let him handle all their finances because that's how scared and intimidated she was by money. That didn't change until a devastating financial crisis became a personal wake-up call. She got tax bills for over $1m for illegal deals her ex got them into. He'd left the country. She didn't have anywhere close to $1m. And her father wouldn't lend her the money. She had three daughters — one just a baby, and she was not going to raise them on the street. That's when she knew she had to get smart. And she did. Join me and Barbara as she shares her journey to financial independence in hopes of inspiring, and even better, motivating YOU to become smart (or smarter) with money… to earn more than you're making now, and to create the legacy that you desire! It's much simpler and more in your control than you may realize. She is the author of Prince Charming Isn't Coming: How Women Get Smart About Money (Penguin) Secrets of Six Figure Women: Surprising Strategies to Up Your Earnings and Change Your Life (HarperCollins) Overcoming Underearning® A Five Step Plan to a Richer Life, and Sacred Success — pursuing your soul's purpose, for your own bliss and the benefit of others, while being richly rewarded. Download Rewire for Wealth: Three Steps Any Woman to Program Her Brain For Financial Success, for free on her website@ https://www.barbara-huson.com/ BONUS! Grab a copy of your Betrayal Recovery Tool Kit, with a chapter of Lora's book, FLAUNT! Drop Your Cover and Reveal Your Smart, Sexy, and Spiritual Self on re-writing the screenplay of your life, a beautiful, downloadable journal, and a guided meditation. All for $19.99. Snap it up here! https://loracheadle.com/product/infidelity/ Lora Cheadle is an infidelity survivor who uses the concepts in burlesque to help women reclaim their identity and self-worth after betrayal so they can move forward with confidence, embrace their sexy, and create a life they love! Download your Sparkle After Betrayal Recovery Guide at www.BetrayalRecoveryGuide.com and start reclaiming yourself and your life today! Learn more at www.loracheadle.com and follow me across all social!  Thank you to BetterHelp for sponsoring this podcast! Take charge of your mental health and get 10% off your first month of therapy at https://BetterHelp.com/FLAUNT FLAUNT! is brought to you by Revel the new kind of social platform built exclusively for women over 40. Members make connections at virtual and in-real-life events, start conversations from super serious to silly, and learn from experts on topics from financial wellness for women, managing menopause, and dozens more. Explore our community of like minded, smart, fabulous, and fun women at hellorevel.com/flaunt.

Next Be Real Get Real Susan shares - Things happen in life that you can't plan for, it's the unimaginable happening. And when it happens - that life turning event - everything changes. It could be a divorce, a death, bankruptcy, or some event that cuts you to your core. And your world gets upended. For me, it was divorce. And so began my Hero's Journey - Finding the truth of who I really was Follow Susan: Website - https://www.susanderobertis.com Linked In - https://Linkedin.com/in/Susan-De-Robertis-71A8B017/ Facebook - Facebook.com/SusanDeRobertisMoneyFlowMastery Connect with me - calendly.com/susanderobertis28 Follow Women's Prosperity Network: Website: https://womensprosperitynetwork.com/ Facebook: https://www.facebook.com/groups/WomensProsperityNetwork LinkedIn: https://www.linkedin.com/groups/1621957/ YouTube: https://www.youtube.com/user/WomensProsperity Podbean https://womensprosperitynetwork.podbean.com/ Apple Podcast: https://podcasts.apple.com/us/podcast/womens-prosperity-network/id1489042473 #womensnetworking #womenempowerment #womensupportingwomen #inspiration #education #motivation #momentum #femaleentrepreneur #networkingforwomen

Do you feel like you are underearning in your career? How do you get over it? And what are the factors that may cause underearning?These questions are answered by a very special guest in this episode, Barbara Stanny Huson. Barbara is the leading authority on women, wealth, and power. As a bestselling author, financial therapist, teacher & wealth coach, Barbara has helped millions take charge of their finances and their lives.Barbara's background in business, her years as a journalist, her Master's Degree in Counseling Psychology, her extensive research, and her personal experience with money give her a unique perspective and makes her the foremost expert on empowering women to live up to their financial and personal potential.Barbara Huson has been featured on Good Morning America, The View, Extra, The O'Reilly Report, and many times on CNN, MSNBC, CNBC, Fox News, PBS, and NPR, as well as the New York Times, and USA Today.She is a well-known author of seven books, including Prince Charming Isn't Coming: How Women Get Smart About Money, Secrets of Six-Figure Women: Surprising Strategies to up Your Earnings and Change Your Life, and Overcoming Underearning: A Five-Step Plan to a Richer Life.Barbara shares her financial experiences, what was her drive in overcoming underearning, and why she wants to share her lessons in money mindset with other women through her books and coaching. She shares her thoughts on why women have difficulties in asking for better rates and the reasons why women don't handle money well. She talks about steps to becoming a better version of yourself, the four-pronged process of working with your money mindset, and her four rules of wealth. She also talks about the importance of having the right resources and financial advisor to guide you in handling your finances well.In This Podcast We Talk About: Who is Barbara and what made her embrace the role of money in her personal and professional life. Why it's difficult for women to increase their rates.What are the steps to becoming a better version of yourself?What is the four-pronged process of working with your money mindset? What are Barbara's four rules of wealth?The reasons women are not handling money well.How do you restart rewiring your brain for financial success?Why it's important to have a trustworthy financial advisor?Connect With Barbara:Website: https://www.barbara-huson.com/ Instagram: @thebarbarahusonFacebook: Barbara Huson-Formerly StannyTwitter: @TheBarbaraHusonLinkedIn: Barbara (Stanny) HusonCheck out Barbara's books here: https://www.barbara-huson.com/books-and-products/

Who or what are we giving our financial power to? That is the big question in today's episode. We all have a “Prince Charming” that allows us to relinquish control when we are uncomfortable, stressed, or frustrated with our financial situation.Prince Charming can be someONE or someTHING that we are relying on to make the money decisions only we are equipped to do. Sure it helps to have a CPA or advisor that knows a thing or two, but when we give others absolute sovereignty over all the choices with our money it is not just scary but leaves us powerless at growing our own financial wisdom and confidence.Today we take back our financial power once and for all!Connect with me on IG! @janinemixJoin my FREE 5-Day Challenge at permissiontolaunchchallenge.comSnag a copy of >>> “Prince Charming Isn't Coming. How Women Get Smart About Money” by Barbara Stanny

On this week's 51%, we kick off our series on women in business. Financial advisors Kathleen Godfrey and Gretchen Meyer offer up some Investing 101, and Judy Herbst of Savvy Ladies stresses the importance of building financial independence. Guests: Gretchen Meyer, president of Gretchen Meyer Financial; Kathleen Godfrey, president of Godfrey Financial Associates; Judy Herbst, executive director of Savvy Ladies 51% is a national production of WAMC Northeast Public Radio. It's produced by Jesse King. Our executive director is Dr. Alan Chartock, and our theme is "Lolita" by the Albany-based artist Girl Blue. Follow Along You're listening to 51%, a WAMC production dedicated to women's issues and experiences. Thanks for tuning in, I'm Jesse King. Today we're launching our Women in Business series. Over the next few weeks, we'll be hearing from a host of women financial experts, entrepreneurs, and volunteers. To kick things off, we're talking financial literacy and investing. As a somewhat-recent college grad myself, this is an area that I have been particularly intrigued, confused, and intimidated by over the past few years - and I figure I can't be the only one. I feel it's important to note that, for many people living paycheck to paycheck, getting to set aside fund for the future is a privilege in and of itself - but the tools we'll discuss today are helpful for everyone. Our first guest today is Gretchen Meyer, owner and president of Gretchen Meyer Financial in Latham, New York. Meyer says she never initially thought she'd go into financial planning, particularly because her first experiences with money were stressful and unstable. As a kid, money became scarce when her parents took a risk and quit their jobs to open a small business, which, ultimately, proved unsuccessful. Meyer credits a theater scholarship with allowing her to attend Boston University, and it was there that she ultimately met her first husband. “To me, he represented more, like, financial security. He was in law school, he came from an affluent family, and I thought maybe [he was] somebody who could protect me. And so we got married when I was 22, and, unfortunately, the marriage didn't work out. And I found myself in my mid 20s, suddenly single, with a boatload of debt. And I had to crawl my way out of a situation that I found myself in, and kind of learned the hard way that financial empowerment, financial independence is all within – and you can't rely on anybody else to protect you,” says Meyer. “There's a book that I like called Prince Charming Isn't Coming, and it's all about how you can't expect anybody else to ever take care of you. You really need to take care of yourself. Using my story, frankly, of what not to do, I thought I can really empower women to become financially independent themselves. So I started my business here with one client, and then she told her friends, and they told their friends, and now we have collectively, maybe 1,300 / 1,400 clients all over the United States. And we help women of all ages and income levels achieve their financial goals.” Just to start and cover some of the basics, what types of investments are there? And how do you decide which path is the best for you? Different investments involve things like stocks. So a stock is like an equity. When you own home, you own equity, right? And you take the good with the bad. So if your roof is shot, you're gonna have to buy a new roof. And so you're building equity, yes, but also there are some downturns in having a home, right? Same with an equity. Yesterday, Netflix was down

On this week's 51%, we kick off our series on women in business. Financial advisors Kathleen Godfrey and Gretchen Meyer offer up some Investing 101, and Judy Herbst of Savvy Ladies stresses the importance of building financial independence. Guests: Gretchen Meyer, president of Gretchen Meyer Financial; Kathleen Godfrey, president of Godfrey Financial Associates; Judy Herbst, executive director of Savvy Ladies 51% is a national production of WAMC Northeast Public Radio. It's produced by Jesse King. Our executive director is Dr. Alan Chartock, and our theme is "Lolita" by the Albany-based artist Girl Blue. Follow Along You're listening to 51%, a WAMC production dedicated to women's issues and experiences. Thanks for tuning in, I'm Jesse King. Today we're launching our Women in Business series. Over the next few weeks, we'll be hearing from a host of women financial experts, entrepreneurs, and volunteers. To kick things off, we're talking financial literacy and investing. As a somewhat-recent college grad myself, this is an area that I have been particularly intrigued, confused, and intimidated by over the past few years - and I figure I can't be the only one. I feel it's important to note that, for many people living paycheck to paycheck, getting to set aside fund for the future is a privilege in and of itself - but the tools we'll discuss today are helpful for everyone. Our first guest today is Gretchen Meyer, owner and president of Gretchen Meyer Financial in Latham, New York. Meyer says she never initially thought she'd go into financial planning, particularly because her first experiences with money were stressful and unstable. As a kid, money became scarce when her parents took a risk and quit their jobs to open a small business, which, ultimately, proved unsuccessful. Meyer credits a theater scholarship with allowing her to attend Boston University, and it was there that she ultimately met her first husband. “To me, he represented more, like, financial security. He was in law school, he came from an affluent family, and I thought maybe [he was] somebody who could protect me. And so we got married when I was 22, and, unfortunately, the marriage didn't work out. And I found myself in my mid 20s, suddenly single, with a boatload of debt. And I had to crawl my way out of a situation that I found myself in, and kind of learned the hard way that financial empowerment, financial independence is all within – and you can't rely on anybody else to protect you,” says Meyer. “There's a book that I like called Prince Charming Isn't Coming, and it's all about how you can't expect anybody else to ever take care of you. You really need to take care of yourself. Using my story, frankly, of what not to do, I thought I can really empower women to become financially independent themselves. So I started my business here with one client, and then she told her friends, and they told their friends, and now we have collectively, maybe 1,300 / 1,400 clients all over the United States. And we help women of all ages and income levels achieve their financial goals.” Just to start and cover some of the basics, what types of investments are there? And how do you decide which path is the best for you? Different investments involve things like stocks. So a stock is like an equity. When you own home, you own equity, right? And you take the good with the bad. So if your roof is shot, you're gonna have to buy a new roof. And so you're building equity, yes, but also there are some downturns in having a home, right? Same with an equity. Yesterday, Netflix was down about 40%. When you own an equity, sometimes you make money, and sometimes you could also lose money. But a bond is a debt, a bond is an IOU. Governments will issue bonds, and so you have more stability, generally speaking, with bonds, because when you put your money in a bond, you're going to expect to get it all back, plus a little bit in terms of interest. So you have stocks, you have bonds, there's other things like ETFs, which are called exchange traded funds. You have mutual funds – those are mixtures of all sorts of stocks and bonds put together in a pot. You've got annuities, you have structured products, you have CDs. And you're absolutely right. How does anybody ever determine which is the right program for them? And not only that, which stocks to pick, and which bonds to pick? And what percentage of your overall portfolio should be in any one of those given things? So that is absolutely the mystery, and thankfully, that keeps me employed. It really all stems with a client's goals and what they are specifically looking to do. So we always start with “Are you looking to save for retirement? Are you looking to buy a house? Are you looking to fund your child's education?” You know, what exactly are you looking to do? And then secondly, how long do you have to go before you're going to reach that goal? If you have 20 years, 30 years, 40 years until retirement, you may decide that maybe your portfolio can take on a little bit more risk then if you have a year before you're going to buy a house. So once goals are determined, then you can start to pinpoint which types of investments would be a good fit for your specific goal and time horizon. Somebody's portfolio may look completely different when they're young and getting started, where they don't really have anything to lose, versus somebody who's, you know, been saving for their entire life in their retirement, and they maybe have $1 million or $2 million in their retirement. They may want to protect their wealth. So their goal and their circumstances may inform, more or less, what they're investing in. One thing we always hear about is how it's important to diversify your investments. Can you elaborate on that for me on why that is? Not even the best of us have a crystal ball and can identify exactly what's going to happen when. So you have not all of your eggs in one basket, right? We have different things going on. They can ying and yang one another at the same time. So there's different kinds of diversification too. So a mutual fund might enable you to have anywhere from 30 stocks to 1,000 different stocks in one fund. So even if you have one fund, you may have lots of different things going on within that one fund. Besides that, you may have diversification in the type of investment that you're in. In other words, are you investing in large companies? Are you investing in international companies? Are you investing in commodities? Are you investing in bonds? So you may have not only different stocks, but also different asset classes, as we call them. And those asset classes are going to give you different perspectives. I'll give an example: in 2017, international companies developed markets, and emerging markets were at the top, and they were doing really, really well. And cash investments were at the bottom. But then in 2018, it completely flip-flopped, and all of a sudden, international holdings were not doing as well, and cash jumped to the top. So had we had all of our funds in that one international bucket, we could easily lose all of it. I think the thing to keep in mind is a diversified portfolio can assist in mitigating volatility. But remember that it's not necessarily going to outperform a non-diversified portfolio. With a nice diversified portfolio, you kind of have guard rails, and you can have your investments sort of be less volatile, with a very decent return over time. So if someone wants to start investing or just make a new investment, where do they go for that? Like, would I go to someone like you, or my bank, or maybe like an app like Robinhood? What are those first steps? That's such a great question, and thankfully, there are so many resources. Yes, financial advisors, we will sit down with folks and help our clients understand what they are trying to do. I think half the battle with financial planning is really all about articulating your specific goals, because the financial plan can't be formulated until you actually know what you want. And then we have to figure out how much you can afford to save and put away. So usually, there's a budget involved in that articulation. Following that, once you sort of know what you want, and you know how you can afford to save in that regard – or some folks have credit card debt or student loan debt, you know, and it's not all about savings, it might just be part of your financial plan – then in order to set up an account, you can get together like a Roth IRA or a child's 529 account. You can go absolutely go to a financial advisor to do that. There are financial advisors at banks. My operation is in the independent financial planning channels, so we're not affiliated with a large establishment. You may go to other organizations, like Merrill Lynch, Northwestern Mutual, you know, some other very large organizations that you can tap into. Some organizations have minimums, so they don't necessarily always allow everybody to meet with them, to meet with a financial advisor. You have online resources available to you like Schwab. And yes, Robinhood is as a brand new one that people can tap into. So there's so many resources out there, more so than ever before. And it really depends on the level at which you feel like you would like to be supported, I think. Certain entities will provide very little support, and therefore the cost will be very low. Other entities might be much more supportive, but again, the cost might be a little bit more expensive. OK, so you mentioned how important it is to know where you want to go. Once you've established what your goals are, how does one go about making a proper budget to achieve those goals? I think it's important to break down a budget into your fixed expenses versus your variable expenses. And by fixed, I mean these are the things that don't change over time: your mortgage or your rent, your car, your insurances, your cell phone. But sneaky little things can get in there sometimes, like subscriptions that you might have forgotten about, or maybe you haven't checked in on lowering your cable bill for a long time, and it keeps creeping up, right, it keeps getting more and more expensive. Car insurances tend to get more expensive, cell phones tend to add little bits. So starting a budget with your fixed expenses, and identifying maybe opportunities to easily weed things out that you're not either using in terms of a subscription, or contacting your vendor to see if there are better deals out for you, make a lot of sense. From there, your variable expenses are really kind of where the opportunities lie. And by variable I mean, those are like your gas, and your groceries, and your wine. That's where you can really kind of track your expenses over time and get a sense for patterns in terms of what you spend your money on. And when are you spending your money, maybe you can start to identify, “OK, well, I want to go on a trip once a year, and my average travel is going to be $3,000.” And so you can set yourself that goal and start to save on a monthly basis toward that trip, rather than getting to that vacation, throwing it on a credit card, and then scrambling to figure out how to pay for it after. So, in terms of the budget, it does take a little bit of time to get it set up, and to figure out what you should be spending your money on – but once that process is done, and we do that with our clients all the time, then it's just a matter of tracking it to see where opportunities lie, and how much you can put toward your goals. Is that planning any different, or are there things people should keep in mind, for big ticket items? Like if they're going to buy a house, get a mortgage, or save up for college? Yeah, absolutely. So big ticket items can be so daunting, especially if somebody says, “Hey, you need to save $50,000 for a down payment on a mortgage. “ You're going, “Whoa, where am I gonna get that?” As they say, the journey of 1,000 miles begins with a single step. So there is a thing called the rule of 72. Have you heard of it before? No, I haven't. OK, it's one of my favorite little tips and tricks. So the rule of 72 is a mathematical concept. It's not like it can guarantee any rate of return, or it's not a predictor of a rate of return – it's just a concept whereby you take 72 divided by an interest rate to get you the anticipated number of years that it would take for your money to double. If you were to take out your calculator, you can do 72 divided by the interest rate. Banks right now are paying, let's say, on average, .01 percent. I don't know, that's what's going on in my world. So it takes 7,200 years for your money to double in your bank account. An average investment in, let's say, the S&P 500, which is stocks, has earned around 7 percent. So that means it takes 72 divided by seven – it's a little over 10, which means your money would double in a stock account every 10 years. That talks about compound interest. By investing your money, your money is growing on itself. So you are both actively saving for your goal, and again, little bits at a time actually add up. But in addition to your own savings, allowing your investments to help you earn your money, and hopefully double your money, which then doubles your money and then doubles your money again, over time. One thing I feel like I hear people debate is how you should tackle your debt. So for things like a mortgage or student loans, is it better to pay them off as soon as possible or to follow that extended payment plan? Right now, with interest rates as historically low as they are, money is inexpensive to borrow. The average home loan in the last few years has been somewhere between 2.5 to 4 percent, whereas if the market is earning you, on average, 7 percent, you're better off continuing to save in the market than you are to try to hurry up and pay down your mortgage faster. Having said that, I think doing maybe a little bit of everything makes a lot of sense. So for example, if your goal is to pay down your mortgage a little earlier, maybe you make one extra payment per year toward your mortgage. And that would shave off, you know, several years on your mortgage payment. Your student loans, maybe just do a little bit more. But in the meantime, don't sacrifice your saving for retirement or saving for other things all at the cost of paying down debt. If you're trying to do a little bit of both, you're using that compound interest, that rule of 72, doubling your money every 10 years or so, you're using that inertia to build your wealth. And at the same time you're taking small steps to pay down your debts. What do you do if you feel like you've missed the boat on saving early or investing early? What do you do in the event that you have to start over? Nobody's ever missed the boat. Everybody's just fine. You know, sometimes people feel so guilty, and that guilt can be debilitating. You don't want to feel as though it's already too late for you, there's nothing you can do, and so therefore you just don't do anything. We really try to encourage our clients to start where they are, and be happy and proud that they're starting exactly where they are. The thing is that if you are starting on the later side, you will have to save a bit more than you would have, maybe, if you started on the earlier side. But it doesn't mean that all bets are off, that you can't do anything. So I would say that figuring out how much you can save, what sacrifices you're going to make if you're starting a little bit later, is important – but don't be discouraged if you are starting late. The important thing is just to start. Well lastly, are there any investing myths that you'd like to dispel for us? The biggest watch out I would have for folks is the expectation that you can get rich quick. If I were to give advice to somebody, it just really, truly is one step at a time. It's systematic, and it does require a little bit of sacrifice to save, but really our most successful clients are those clients who set a goal for themselves, put a chunk away on a monthly basis. You know, they forget about it, they pay themselves first, and they check in with their financial advisor at least once a year to see whether or not they're on track to meet their goals. It really isn't any more glamorous than that. It's just being disciplined and engaged in your own financial success. Gretchen Meyer is a financial consultant and owner and president of Gretchen Meyer Financial in Latham, New York. You can learn more about her work at gretchenmeyerfinancial.com. Of course, one of the biggest things we hope to save for is our retirement. Whether your goal is to retire early, or just to retire, period, the question remains: what are you going to do, when you can no longer work? According to the CDC, women in the U.S., on average, live about five years longer than men, but they're less likely to have the funds to support them in those later years. In 2018, the U.S. Census Bureau's Survey of Income and Program Participation found about 50 percent of women ages 55 to 66 had no personal retirement savings, and on the opposite end of the spectrum, women were less likely than men to have $100,000 or more saved up for retirement. Kathleen Godfrey joined me to share her advice when it comes to saving for retirement. Godfrey is a financial advisor and president of Godfrey Financial Associates, a fiduciary that's specialized in serving women in Glenmont, New York for over 25 years. She says one of the most frequent questions she gets at her job is, “Am I gonna be able to retire?” “Whenever we're talking about women and money, I like to start at the beginning. Early in life, girls and boys are taught different messages about money. Girls are taught how to budget, how to spot a bargain, how to spend smartly. And boys are taught how to earn and invest and grow money. And so in a nutshell, girls learn how to spend money, and boys learn how to earn and invest money,” says Godfrey. “And so as a result, there are many adult women who have deep-seated anxieties and deep-seated insecurities around money and around wealth. Many women are fearful of risk, they don't want to lose. So they avoid investing in the stock market, where growth is actually the greatest over time. Many women, not all but many women, opt for CDs and other low-earning financial products because they're “safe.” And this can be really disastrous, because as inflation keeps rising, they're actually losing money. Women typically live longer than men, so their money has to last longer. And if it's all very safe, it can be disastrous really.” So specifically when planning for retirement, what are the different options out there? For retirement planning, women need to start saving early, early, early. I would say your first job, right out of college, or when you get your first job, start saving. Even if your employer doesn't offer a retirement plan, like a 401k or a 403b, every person who has earned income can open an IRA, which is an individual retirement account, or a Roth IRA. A traditional IRA allows you to put money aside, it grows tax deferred. So in other words, you don't pay any tax on the growth until you make withdrawals in retirement. Right now the limit on traditional IRAs is $6,000 a year, and if you're over age 50, you can put in $7,000 a year. A Roth IRA is a little bit different. It has the same contribution limits, so $6,000 if you're under age 50, and $7,000 if you're over age 50. But with a Roth IRA, you don't get any kind of deduction upfront. And when you make your withdrawals in retirement, you don't pay any tax. We recommend that you contribute as much as possible every single year, and learn that compounding is your best friend. And you just have to let your money grow, and try not to get too caught up when the market is down – because that's a good buying opportunity. When the stock market is down is a good time to be investing, it shouldn't be a time to be pulling out your money. Is there ever a moment when it's a good time to throw in the towel and pull out your money? You shouldn't pull it out, really, until you're retired. You really need to be disciplined enough to keep it in for the long run. In fact, there are penalties for taking your money out too early. So with most retirement plans, you would pay a 10 percent penalty if you made a withdrawal prior to age 59.5. And yeah, there will be days that the market is going to be down. There could be a couple of weeks when the market's going to be down. Or if we go back just to 2020, in March of 2020, the stock market was horrible. So there's always going to be something going on in the world. Right now, it's inflation, it's the war in Ukraine. There's always something that's going to affect how the stock market is doing. But investing for the long term and resisting the urge to pull your money out when things start to look a little scary – that's how you succeed as an investor, and that's how you actually grow your funds long term. When people are looking at potential stocks to invest in, what are some of the things that they should be keeping in mind? That depends on how much money you have to invest and how much volatility you can handle. And I don't want to use the word risk, because risk is very relative. But you know, there are certain kinds of stocks that are less volatile, like blue chip stocks, big company stocks that pay dividends. Those tend to be less volatile. The growth is not as exciting as say, Apple or Google or tech stocks, but those stocks tend to be a lot more volatile. You also want to look at investing internationally. The United States only makes up about 40 percent of the total world economy, so you're missing out on a lot of growth opportunities by not investing overseas, in other markets. The biggest advice I can give is you want to be diversified, you want to be invested in a lot of different things. So we recommend that you look at large stocks, mid-sized stocks, small stocks, international stocks, balance that out with bonds, corporate bonds, treasury bonds, and it's helpful to work with a professional. How do you know if you're on track? If you're trying to retire at 65, what's a good amount to feel comfortable? There are plenty of websites where you can check your progress. I like to have people start out by saving and investing 10 percent, if they can in the beginning, with a goal of 20 percent. So if you can save and invest 20 percent of your income, that's a really great thing to do. And that's going to get you really far. Because, you know, you figure you're going to be working 20, 30, maybe 40 years. And again, compounding is your best friend when it comes to investing. I'm curious as to your thoughts on the retirement gap, both on what you think the causes are and what women should keep in mind as a result. Well, the retirement gap is caused by a few things. First of all, historically women tend to earn less than men. So there's less to contribute. We live longer than men, and many women take time off from their careers to have children and to care for aging parents. And so those contributions that might have been made to their retirement plan are not getting made. And so now they're behind even more. So you want to make sure that you're invested wisely, that you're invested for growth, and that you know, beyond a shadow of a doubt, that you're not going to be taking the money out. It's really designed for long term accumulation. Overall, what would you say is the biggest mistake people make with their money? They live beyond their means, and they spend more than they're earning and they don't save. Those are the biggest mistakes. You can build a great deal of wealth if you learn how to manage your money, not spend it all, save a good amount of it, and invest wisely. Kathleen Godfrey is president of Godfrey Financial Associates in Glenmont, New York. You can learn more about her work at godfreyfinancial.com. Godfrey Financial Associates is a WAMC underwriter. As Kathleen Godfrey mentioned, there are plenty of resources, both online and offline, to help you identify your goals and research potential investment strategies. Our last guest today is Judy Herbst, the executive director of Savvy Ladies, a nonprofit organization that has been such a resource for more than 25,000 women since 2003. Herbst says founder Stacy Francis started the organization with the belief that financial education and independence is key to getting women out of abusive relationships and situations. "She saw that her grandmother suffered from financial abuse and couldn't get out of a marriage, and was held there because of finances. She was scared, she lacked the confidence to move herself forward, and ultimately died living in a financial abuse marriage. And Stacy, when she learned this and saw this as she was growing up, she saw the need for financial education," Herbst explains. "You know, women do not get educated about finances, we always think it's a “man's role.” And with more and more women having careers and making their own money, they need to take control, not just of their daily budgets with their family, but of their future. And it's really important for couples and individuals to know their financial situation and learn how to get out of debt and not be scared. So it's a conversation that we want to bring to the forefront." Tell me about Savvy Ladies. What's really unique about Savvy Ladies is that we have a free financial helpline. And with that we have a community of pro bono financial advisors from across the country that are certified CFPs, also financial executives and professionals, that are offering their expertise for one hour of time, to listen to a woman's question who comes to the helpline and give them guidance. We are not giving them like where to invest, but we are giving them the guidance of what to do to set them on the right path. So out of college: do you pay down debt? Do you save? How do you pay your rent? These are the questions we're getting. Our audience are women anywhere from age 18 to over 60. Many of the women are single women that come to Savvy Ladies. And they're single because they're right out of college, or they've been divorced, and they are now starting over – or they are widowed, and they're looking to now manage their money for the first time, and they're 65. And how do they do that successfully? What advice do you have when it comes to maintaining financial independence in a relationship, or perhaps at the end of a relationship, whether someone is widowed or it gets a divorce? I think the key is transparency. So there should be an open conversation. We seem to have, as women, we love to talk about our families and sex – but we never talked about money out there on the table. So many of the advisors will say have an open conversation about money and your spending habits, so you can actually list a budget. And one of the best ways to do that, there's many different apps out there. We love to refer people to Mint. Mint is a great one out there that people are using. But just list in a notebook what are your fixed and variable expenses, and I think that is a really key place to start. And then what are the variable expenses that can actually trigger a change? So even some of those fixed expenses, you might think you can't change, but maybe you can. That could be your rent, based on your location. Do you need roommates? If you're a widower, do you take in a border? Or do you need to downsize? Many women going through divorce want to keep the home. We hear that a lot, and probably about a third of the women coming to us are going through a divorce. And many, many want to keep the house. It really is a hard look to say, “Can I really afford the house? Or is it better to cash it out and split it now?” As you go through that divorce, that's a question you need to ask yourself, and ask your lawyer as you go through it. It's really important to understand the costs associated with keeping that house, whether you can afford them. Or is it better to downsize? Maybe stay in the same school district for your kids, but not pay those expenses? Because those expenses add up. The care of the lawn, just maintenance of the house, you never know. And then, selling the house, it becomes taxable possibly, and you need to understand those tax implications if you ultimately own it outright yourself. What are your thoughts when it comes to having joint versus separate accounts in a relationship or marriage? Many women commingle everything together with their spouses or their future spouses. You know, prenups are really an easy piece of paper to look at and have a conversation with your spouse. There's also postnups, you can do postnups after (the wedding). So this is becoming more and more common, and in the past it would have been totally taboo, I think, to talk about a prenup. But I think that brings the money conversation to the table. Commingling is OK, but it's also a good idea to keep a separate account in your own name. And if you are thinking about getting a divorce, and you haven't gone through all the steps yet, it is important that you begin to separate, and you can create your own account – and you should at this point, because it's probably easier for you to set up a new account in your own name, by still being married. So I would recommend to think about having a separate bank account. And there's no reason not to have your commingled as well. And understanding the commingled is what bills are being paid, and then where are you keeping [your funds]. But if you're going to get a divorce, many states are common laws. So everything from that marriage date onward is shared income, shared assets. So it is reportable, and it is traceable, and it will be looked at. But it is very important, I think from a timeline perspective, to have your own accounts. So how early do you think we should be teaching kids in general, but especially girls, about money? And are there ways you think we can better provide financial education? I think absolutely. And I think women are having the conversation more and more now. So I think as girlfriends and as groups speaking about it, we should have the confidence to talk about money. And that's also the income gap, you know, we should have the confidence to go in and ask for a higher wage, and a higher income based on the work we do. And I think that negotiation can happen upfront now. And you should feel very confident to have that conversation with an employer, especially with many women being independent contractors now as well, based on the Great Resignation thing – it's a huge opportunity for women to understand that they can work from home. And it's easy to pick up and set up a business, it could be a side hustle first before you dive into it as a full time independent contractor, but we're seeing many writers, digital marketing, social media, even virtual assistants, where women can take on these jobs that fit their schedules. Where they can do them at any time of day, but they get the job done. And I think it the important thing is to ask for your worth – understand your value and understand your worth, and don't underprice yourself. It's actually better to price yourself for the value of what you do and what you produce, and have fewer clients, and make more money that way so you're not juggling 12 clients – it's probably better to juggle four to five clients, and just price it right. We worked with one woman, and she actually thought she was pricing herself too high for the services she was offering. She was offering career coaching for colleges, so she was charging parents for giving advice to their kids looking for colleges. She went higher in her pricing than anyone in her neighborhood, and she actually made more money than pricing herself lower. Because I think that people thought with a higher price that she was more valuable – and of course, she was, and she was able to really balance her time with six clients versus taking on 12. Don't undervalue yourself, I think is really important. And absolutely – you asked when to have [the conversation]. I think mothers and parents should begin to have it with their children, and begin to have that conversation. We just did a focus group on your relationship with money, and we ask people to think about, “What was the first time you thought about money, or you remember money? And did you work for it? Or was it a gift to you?” So that's really interesting, because how did that set you up your emotional relationship with money? And then how do you then use that to teach your children? So for me, my first memory of money was a gift, which is very different, other people's was around working. So I think that sets you up in how we, as parents, don't think of money when we think of our children, and how to set them up for success early on. Judy, thanks so much for taking the time to speak with me. Is there anything that I'm missing that you'd like me to know or that you'd like our listeners to know? The general advice is do not be scared to ask a question. Any question is a good question. And this free financial helpline is here as a resource to help all women answer that financial question, whatever age you are, whatever your question might be, whatever your income is. We have a community of over 100 volunteers that we match based on your question and expertise. Judy Herbst is executive director of Savvy Ladies, a nonprofit dedicated to improving financial education for women. You can access their financial helpline at their website, savvyladies.org. 51% is a national production of WAMC Northeast Public Radio. It's produced by Jesse King. Our executive director is Dr. Alan Chartock, and our theme is "Lolita" by the Albany-based artist Girl Blue.

On this week's 51%, we kick off our series on women in business. Financial advisors Kathleen Godfrey and Gretchen Meyer offer up some Investing 101, and Judy Herbst of Savvy Ladies stresses the importance of building financial independence. Guests: Gretchen Meyer, president of Gretchen Meyer Financial; Kathleen Godfrey, president of Godfrey Financial Associates; Judy Herbst, executive director of Savvy Ladies 51% is a national production of WAMC Northeast Public Radio. It's produced by Jesse King. Our executive director is Dr. Alan Chartock, and our theme is "Lolita" by the Albany-based artist Girl Blue. Follow Along You're listening to 51%, a WAMC production dedicated to women's issues and experiences. Thanks for tuning in, I'm Jesse King. Today we're launching our Women in Business series. Over the next few weeks, we'll be hearing from a host of women financial experts, entrepreneurs, and volunteers. To kick things off, we're talking financial literacy and investing. As a somewhat-recent college grad myself, this is an area that I have been particularly intrigued, confused, and intimidated by over the past few years - and I figure I can't be the only one. I feel it's important to note that, for many people living paycheck to paycheck, getting to set aside fund for the future is a privilege in and of itself - but the tools we'll discuss today are helpful for everyone. Our first guest today is Gretchen Meyer, owner and president of Gretchen Meyer Financial in Latham, New York. Meyer says she never initially thought she'd go into financial planning, particularly because her first experiences with money were stressful and unstable. As a kid, money became scarce when her parents took a risk and quit their jobs to open a small business, which, ultimately, proved unsuccessful. Meyer credits a theater scholarship with allowing her to attend Boston University, and it was there that she ultimately met her first husband. “To me, he represented more, like, financial security. He was in law school, he came from an affluent family, and I thought maybe [he was] somebody who could protect me. And so we got married when I was 22, and, unfortunately, the marriage didn't work out. And I found myself in my mid 20s, suddenly single, with a boatload of debt. And I had to crawl my way out of a situation that I found myself in, and kind of learned the hard way that financial empowerment, financial independence is all within – and you can't rely on anybody else to protect you,” says Meyer. “There's a book that I like called Prince Charming Isn't Coming, and it's all about how you can't expect anybody else to ever take care of you. You really need to take care of yourself. Using my story, frankly, of what not to do, I thought I can really empower women to become financially independent themselves. So I started my business here with one client, and then she told her friends, and they told their friends, and now we have collectively, maybe 1,300 / 1,400 clients all over the United States. And we help women of all ages and income levels achieve their financial goals.” Just to start and cover some of the basics, what types of investments are there? And how do you decide which path is the best for you? Different investments involve things like stocks. So a stock is like an equity. When you own home, you own equity, right? And you take the good with the bad. So if your roof is shot, you're gonna have to buy a new roof. And so you're building equity, yes, but also there are some downturns in having a home, right? Same with an equity. Yesterday, Netflix was down about 40%. When you own an equity, sometimes you make money, and sometimes you could also lose money. But a bond is a debt, a bond is an IOU. Governments will issue bonds, and so you have more stability, generally speaking, with bonds, because when you put your money in a bond, you're going to expect to get it all back, plus a little bit in terms of interest. So you have stocks, you have bonds, there's other things like ETFs, which are called exchange traded funds. You have mutual funds – those are mixtures of all sorts of stocks and bonds put together in a pot. You've got annuities, you have structured products, you have CDs. And you're absolutely right. How does anybody ever determine which is the right program for them? And not only that, which stocks to pick, and which bonds to pick? And what percentage of your overall portfolio should be in any one of those given things? So that is absolutely the mystery, and thankfully, that keeps me employed. It really all stems with a client's goals and what they are specifically looking to do. So we always start with “Are you looking to save for retirement? Are you looking to buy a house? Are you looking to fund your child's education?” You know, what exactly are you looking to do? And then secondly, how long do you have to go before you're going to reach that goal? If you have 20 years, 30 years, 40 years until retirement, you may decide that maybe your portfolio can take on a little bit more risk then if you have a year before you're going to buy a house. So once goals are determined, then you can start to pinpoint which types of investments would be a good fit for your specific goal and time horizon. Somebody's portfolio may look completely different when they're young and getting started, where they don't really have anything to lose, versus somebody who's, you know, been saving for their entire life in their retirement, and they maybe have $1 million or $2 million in their retirement. They may want to protect their wealth. So their goal and their circumstances may inform, more or less, what they're investing in. One thing we always hear about is how it's important to diversify your investments. Can you elaborate on that for me on why that is? Not even the best of us have a crystal ball and can identify exactly what's going to happen when. So you have not all of your eggs in one basket, right? We have different things going on. They can ying and yang one another at the same time. So there's different kinds of diversification too. So a mutual fund might enable you to have anywhere from 30 stocks to 1,000 different stocks in one fund. So even if you have one fund, you may have lots of different things going on within that one fund. Besides that, you may have diversification in the type of investment that you're in. In other words, are you investing in large companies? Are you investing in international companies? Are you investing in commodities? Are you investing in bonds? So you may have not only different stocks, but also different asset classes, as we call them. And those asset classes are going to give you different perspectives. I'll give an example: in 2017, international companies developed markets, and emerging markets were at the top, and they were doing really, really well. And cash investments were at the bottom. But then in 2018, it completely flip-flopped, and all of a sudden, international holdings were not doing as well, and cash jumped to the top. So had we had all of our funds in that one international bucket, we could easily lose all of it. I think the thing to keep in mind is a diversified portfolio can assist in mitigating volatility. But remember that it's not necessarily going to outperform a non-diversified portfolio. With a nice diversified portfolio, you kind of have guard rails, and you can have your investments sort of be less volatile, with a very decent return over time. So if someone wants to start investing or just make a new investment, where do they go for that? Like, would I go to someone like you, or my bank, or maybe like an app like Robinhood? What are those first steps? That's such a great question, and thankfully, there are so many resources. Yes, financial advisors, we will sit down with folks and help our clients understand what they are trying to do. I think half the battle with financial planning is really all about articulating your specific goals, because the financial plan can't be formulated until you actually know what you want. And then we have to figure out how much you can afford to save and put away. So usually, there's a budget involved in that articulation. Following that, once you sort of know what you want, and you know how you can afford to save in that regard – or some folks have credit card debt or student loan debt, you know, and it's not all about savings, it might just be part of your financial plan – then in order to set up an account, you can get together like a Roth IRA or a child's 529 account. You can go absolutely go to a financial advisor to do that. There are financial advisors at banks. My operation is in the independent financial planning channels, so we're not affiliated with a large establishment. You may go to other organizations, like Merrill Lynch, Northwestern Mutual, you know, some other very large organizations that you can tap into. Some organizations have minimums, so they don't necessarily always allow everybody to meet with them, to meet with a financial advisor. You have online resources available to you like Schwab. And yes, Robinhood is as a brand new one that people can tap into. So there's so many resources out there, more so than ever before. And it really depends on the level at which you feel like you would like to be supported, I think. Certain entities will provide very little support, and therefore the cost will be very low. Other entities might be much more supportive, but again, the cost might be a little bit more expensive. OK, so you mentioned how important it is to know where you want to go. Once you've established what your goals are, how does one go about making a proper budget to achieve those goals? I think it's important to break down a budget into your fixed expenses versus your variable expenses. And by fixed, I mean these are the things that don't change over time: your mortgage or your rent, your car, your insurances, your cell phone. But sneaky little things can get in there sometimes, like subscriptions that you might have forgotten about, or maybe you haven't checked in on lowering your cable bill for a long time, and it keeps creeping up, right, it keeps getting more and more expensive. Car insurances tend to get more expensive, cell phones tend to add little bits. So starting a budget with your fixed expenses, and identifying maybe opportunities to easily weed things out that you're not either using in terms of a subscription, or contacting your vendor to see if there are better deals out for you, make a lot of sense. From there, your variable expenses are really kind of where the opportunities lie. And by variable I mean, those are like your gas, and your groceries, and your wine. That's where you can really kind of track your expenses over time and get a sense for patterns in terms of what you spend your money on. And when are you spending your money, maybe you can start to identify, “OK, well, I want to go on a trip once a year, and my average travel is going to be $3,000.” And so you can set yourself that goal and start to save on a monthly basis toward that trip, rather than getting to that vacation, throwing it on a credit card, and then scrambling to figure out how to pay for it after. So, in terms of the budget, it does take a little bit of time to get it set up, and to figure out what you should be spending your money on – but once that process is done, and we do that with our clients all the time, then it's just a matter of tracking it to see where opportunities lie, and how much you can put toward your goals. Is that planning any different, or are there things people should keep in mind, for big ticket items? Like if they're going to buy a house, get a mortgage, or save up for college? Yeah, absolutely. So big ticket items can be so daunting, especially if somebody says, “Hey, you need to save $50,000 for a down payment on a mortgage. “ You're going, “Whoa, where am I gonna get that?” As they say, the journey of 1,000 miles begins with a single step. So there is a thing called the rule of 72. Have you heard of it before? No, I haven't. OK, it's one of my favorite little tips and tricks. So the rule of 72 is a mathematical concept. It's not like it can guarantee any rate of return, or it's not a predictor of a rate of return – it's just a concept whereby you take 72 divided by an interest rate to get you the anticipated number of years that it would take for your money to double. If you were to take out your calculator, you can do 72 divided by the interest rate. Banks right now are paying, let's say, on average, .01 percent. I don't know, that's what's going on in my world. So it takes 7,200 years for your money to double in your bank account. An average investment in, let's say, the S&P 500, which is stocks, has earned around 7 percent. So that means it takes 72 divided by seven – it's a little over 10, which means your money would double in a stock account every 10 years. That talks about compound interest. By investing your money, your money is growing on itself. So you are both actively saving for your goal, and again, little bits at a time actually add up. But in addition to your own savings, allowing your investments to help you earn your money, and hopefully double your money, which then doubles your money and then doubles your money again, over time. One thing I feel like I hear people debate is how you should tackle your debt. So for things like a mortgage or student loans, is it better to pay them off as soon as possible or to follow that extended payment plan? Right now, with interest rates as historically low as they are, money is inexpensive to borrow. The average home loan in the last few years has been somewhere between 2.5 to 4 percent, whereas if the market is earning you, on average, 7 percent, you're better off continuing to save in the market than you are to try to hurry up and pay down your mortgage faster. Having said that, I think doing maybe a little bit of everything makes a lot of sense. So for example, if your goal is to pay down your mortgage a little earlier, maybe you make one extra payment per year toward your mortgage. And that would shave off, you know, several years on your mortgage payment. Your student loans, maybe just do a little bit more. But in the meantime, don't sacrifice your saving for retirement or saving for other things all at the cost of paying down debt. If you're trying to do a little bit of both, you're using that compound interest, that rule of 72, doubling your money every 10 years or so, you're using that inertia to build your wealth. And at the same time you're taking small steps to pay down your debts. What do you do if you feel like you've missed the boat on saving early or investing early? What do you do in the event that you have to start over? Nobody's ever missed the boat. Everybody's just fine. You know, sometimes people feel so guilty, and that guilt can be debilitating. You don't want to feel as though it's already too late for you, there's nothing you can do, and so therefore you just don't do anything. We really try to encourage our clients to start where they are, and be happy and proud that they're starting exactly where they are. The thing is that if you are starting on the later side, you will have to save a bit more than you would have, maybe, if you started on the earlier side. But it doesn't mean that all bets are off, that you can't do anything. So I would say that figuring out how much you can save, what sacrifices you're going to make if you're starting a little bit later, is important – but don't be discouraged if you are starting late. The important thing is just to start. Well lastly, are there any investing myths that you'd like to dispel for us? The biggest watch out I would have for folks is the expectation that you can get rich quick. If I were to give advice to somebody, it just really, truly is one step at a time. It's systematic, and it does require a little bit of sacrifice to save, but really our most successful clients are those clients who set a goal for themselves, put a chunk away on a monthly basis. You know, they forget about it, they pay themselves first, and they check in with their financial advisor at least once a year to see whether or not they're on track to meet their goals. It really isn't any more glamorous than that. It's just being disciplined and engaged in your own financial success. Gretchen Meyer is a financial consultant and owner and president of Gretchen Meyer Financial in Latham, New York. You can learn more about her work at gretchenmeyerfinancial.com. Of course, one of the biggest things we hope to save for is our retirement. Whether your goal is to retire early, or just to retire, period, the question remains: what are you going to do, when you can no longer work? According to the CDC, women in the U.S., on average, live about five years longer than men, but they're less likely to have the funds to support them in those later years. In 2018, the U.S. Census Bureau's Survey of Income and Program Participation found about 50 percent of women ages 55 to 66 had no personal retirement savings, and on the opposite end of the spectrum, women were less likely than men to have $100,000 or more saved up for retirement. Kathleen Godfrey joined me to share her advice when it comes to saving for retirement. Godfrey is a financial advisor and president of Godfrey Financial Associates, a fiduciary that's specialized in serving women in Glenmont, New York for over 25 years. She says one of the most frequent questions she gets at her job is, “Am I gonna be able to retire?” “Whenever we're talking about women and money, I like to start at the beginning. Early in life, girls and boys are taught different messages about money. Girls are taught how to budget, how to spot a bargain, how to spend smartly. And boys are taught how to earn and invest and grow money. And so in a nutshell, girls learn how to spend money, and boys learn how to earn and invest money,” says Godfrey. “And so as a result, there are many adult women who have deep-seated anxieties and deep-seated insecurities around money and around wealth. Many women are fearful of risk, they don't want to lose. So they avoid investing in the stock market, where growth is actually the greatest over time. Many women, not all but many women, opt for CDs and other low-earning financial products because they're “safe.” And this can be really disastrous, because as inflation keeps rising, they're actually losing money. Women typically live longer than men, so their money has to last longer. And if it's all very safe, it can be disastrous really.” So specifically when planning for retirement, what are the different options out there? For retirement planning, women need to start saving early, early, early. I would say your first job, right out of college, or when you get your first job, start saving. Even if your employer doesn't offer a retirement plan, like a 401k or a 403b, every person who has earned income can open an IRA, which is an individual retirement account, or a Roth IRA. A traditional IRA allows you to put money aside, it grows tax deferred. So in other words, you don't pay any tax on the growth until you make withdrawals in retirement. Right now the limit on traditional IRAs is $6,000 a year, and if you're over age 50, you can put in $7,000 a year. A Roth IRA is a little bit different. It has the same contribution limits, so $6,000 if you're under age 50, and $7,000 if you're over age 50. But with a Roth IRA, you don't get any kind of deduction upfront. And when you make your withdrawals in retirement, you don't pay any tax. We recommend that you contribute as much as possible every single year, and learn that compounding is your best friend. And you just have to let your money grow, and try not to get too caught up when the market is down – because that's a good buying opportunity. When the stock market is down is a good time to be investing, it shouldn't be a time to be pulling out your money. Is there ever a moment when it's a good time to throw in the towel and pull out your money? You shouldn't pull it out, really, until you're retired. You really need to be disciplined enough to keep it in for the long run. In fact, there are penalties for taking your money out too early. So with most retirement plans, you would pay a 10 percent penalty if you made a withdrawal prior to age 59.5. And yeah, there will be days that the market is going to be down. There could be a couple of weeks when the market's going to be down. Or if we go back just to 2020, in March of 2020, the stock market was horrible. So there's always going to be something going on in the world. Right now, it's inflation, it's the war in Ukraine. There's always something that's going to affect how the stock market is doing. But investing for the long term and resisting the urge to pull your money out when things start to look a little scary – that's how you succeed as an investor, and that's how you actually grow your funds long term. When people are looking at potential stocks to invest in, what are some of the things that they should be keeping in mind? That depends on how much money you have to invest and how much volatility you can handle. And I don't want to use the word risk, because risk is very relative. But you know, there are certain kinds of stocks that are less volatile, like blue chip stocks, big company stocks that pay dividends. Those tend to be less volatile. The growth is not as exciting as say, Apple or Google or tech stocks, but those stocks tend to be a lot more volatile. You also want to look at investing internationally. The United States only makes up about 40 percent of the total world economy, so you're missing out on a lot of growth opportunities by not investing overseas, in other markets. The biggest advice I can give is you want to be diversified, you want to be invested in a lot of different things. So we recommend that you look at large stocks, mid-sized stocks, small stocks, international stocks, balance that out with bonds, corporate bonds, treasury bonds, and it's helpful to work with a professional. How do you know if you're on track? If you're trying to retire at 65, what's a good amount to feel comfortable? There are plenty of websites where you can check your progress. I like to have people start out by saving and investing 10 percent, if they can in the beginning, with a goal of 20 percent. So if you can save and invest 20 percent of your income, that's a really great thing to do. And that's going to get you really far. Because, you know, you figure you're going to be working 20, 30, maybe 40 years. And again, compounding is your best friend when it comes to investing. I'm curious as to your thoughts on the retirement gap, both on what you think the causes are and what women should keep in mind as a result. Well, the retirement gap is caused by a few things. First of all, historically women tend to earn less than men. So there's less to contribute. We live longer than men, and many women take time off from their careers to have children and to care for aging parents. And so those contributions that might have been made to their retirement plan are not getting made. And so now they're behind even more. So you want to make sure that you're invested wisely, that you're invested for growth, and that you know, beyond a shadow of a doubt, that you're not going to be taking the money out. It's really designed for long term accumulation. Overall, what would you say is the biggest mistake people make with their money? They live beyond their means, and they spend more than they're earning and they don't save. Those are the biggest mistakes. You can build a great deal of wealth if you learn how to manage your money, not spend it all, save a good amount of it, and invest wisely. Kathleen Godfrey is president of Godfrey Financial Associates in Glenmont, New York. You can learn more about her work at godfreyfinancial.com. Godfrey Financial Associates is a WAMC underwriter. As Kathleen Godfrey mentioned, there are plenty of resources, both online and offline, to help you identify your goals and research potential investment strategies. Our last guest today is Judy Herbst, the executive director of Savvy Ladies, a nonprofit organization that has been such a resource for more than 25,000 women since 2003. Herbst says founder Stacy Francis started the organization with the belief that financial education and independence is key to getting women out of abusive relationships and situations. "She saw that her grandmother suffered from financial abuse and couldn't get out of a marriage, and was held there because of finances. She was scared, she lacked the confidence to move herself forward, and ultimately died living in a financial abuse marriage. And Stacy, when she learned this and saw this as she was growing up, she saw the need for financial education," Herbst explains. "You know, women do not get educated about finances, we always think it's a “man's role.” And with more and more women having careers and making their own money, they need to take control, not just of their daily budgets with their family, but of their future. And it's really important for couples and individuals to know their financial situation and learn how to get out of debt and not be scared. So it's a conversation that we want to bring to the forefront." Tell me about Savvy Ladies. What's really unique about Savvy Ladies is that we have a free financial helpline. And with that we have a community of pro bono financial advisors from across the country that are certified CFPs, also financial executives and professionals, that are offering their expertise for one hour of time, to listen to a woman's question who comes to the helpline and give them guidance. We are not giving them like where to invest, but we are giving them the guidance of what to do to set them on the right path. So out of college: do you pay down debt? Do you save? How do you pay your rent? These are the questions we're getting. Our audience are women anywhere from age 18 to over 60. Many of the women are single women that come to Savvy Ladies. And they're single because they're right out of college, or they've been divorced, and they are now starting over – or they are widowed, and they're looking to now manage their money for the first time, and they're 65. And how do they do that successfully? What advice do you have when it comes to maintaining financial independence in a relationship, or perhaps at the end of a relationship, whether someone is widowed or it gets a divorce? I think the key is transparency. So there should be an open conversation. We seem to have, as women, we love to talk about our families and sex – but we never talked about money out there on the table. So many of the advisors will say have an open conversation about money and your spending habits, so you can actually list a budget. And one of the best ways to do that, there's many different apps out there. We love to refer people to Mint. Mint is a great one out there that people are using. But just list in a notebook what are your fixed and variable expenses, and I think that is a really key place to start. And then what are the variable expenses that can actually trigger a change? So even some of those fixed expenses, you might think you can't change, but maybe you can. That could be your rent, based on your location. Do you need roommates? If you're a widower, do you take in a border? Or do you need to downsize? Many women going through divorce want to keep the home. We hear that a lot, and probably about a third of the women coming to us are going through a divorce. And many, many want to keep the house. It really is a hard look to say, “Can I really afford the house? Or is it better to cash it out and split it now?” As you go through that divorce, that's a question you need to ask yourself, and ask your lawyer as you go through it. It's really important to understand the costs associated with keeping that house, whether you can afford them. Or is it better to downsize? Maybe stay in the same school district for your kids, but not pay those expenses? Because those expenses add up. The care of the lawn, just maintenance of the house, you never know. And then, selling the house, it becomes taxable possibly, and you need to understand those tax implications if you ultimately own it outright yourself. What are your thoughts when it comes to having joint versus separate accounts in a relationship or marriage? Many women commingle everything together with their spouses or their future spouses. You know, prenups are really an easy piece of paper to look at and have a conversation with your spouse. There's also postnups, you can do postnups after (the wedding). So this is becoming more and more common, and in the past it would have been totally taboo, I think, to talk about a prenup. But I think that brings the money conversation to the table. Commingling is OK, but it's also a good idea to keep a separate account in your own name. And if you are thinking about getting a divorce, and you haven't gone through all the steps yet, it is important that you begin to separate, and you can create your own account – and you should at this point, because it's probably easier for you to set up a new account in your own name, by still being married. So I would recommend to think about having a separate bank account. And there's no reason not to have your commingled as well. And understanding the commingled is what bills are being paid, and then where are you keeping [your funds]. But if you're going to get a divorce, many states are common laws. So everything from that marriage date onward is shared income, shared assets. So it is reportable, and it is traceable, and it will be looked at. But it is very important, I think from a timeline perspective, to have your own accounts. So how early do you think we should be teaching kids in general, but especially girls, about money? And are there ways you think we can better provide financial education? I think absolutely. And I think women are having the conversation more and more now. So I think as girlfriends and as groups speaking about it, we should have the confidence to talk about money. And that's also the income gap, you know, we should have the confidence to go in and ask for a higher wage, and a higher income based on the work we do. And I think that negotiation can happen upfront now. And you should feel very confident to have that conversation with an employer, especially with many women being independent contractors now as well, based on the Great Resignation thing – it's a huge opportunity for women to understand that they can work from home. And it's easy to pick up and set up a business, it could be a side hustle first before you dive into it as a full time independent contractor, but we're seeing many writers, digital marketing, social media, even virtual assistants, where women can take on these jobs that fit their schedules. Where they can do them at any time of day, but they get the job done. And I think it the important thing is to ask for your worth – understand your value and understand your worth, and don't underprice yourself. It's actually better to price yourself for the value of what you do and what you produce, and have fewer clients, and make more money that way so you're not juggling 12 clients – it's probably better to juggle four to five clients, and just price it right. We worked with one woman, and she actually thought she was pricing herself too high for the services she was offering. She was offering career coaching for colleges, so she was charging parents for giving advice to their kids looking for colleges. She went higher in her pricing than anyone in her neighborhood, and she actually made more money than pricing herself lower. Because I think that people thought with a higher price that she was more valuable – and of course, she was, and she was able to really balance her time with six clients versus taking on 12. Don't undervalue yourself, I think is really important. And absolutely – you asked when to have [the conversation]. I think mothers and parents should begin to have it with their children, and begin to have that conversation. We just did a focus group on your relationship with money, and we ask people to think about, “What was the first time you thought about money, or you remember money? And did you work for it? Or was it a gift to you?” So that's really interesting, because how did that set you up your emotional relationship with money? And then how do you then use that to teach your children? So for me, my first memory of money was a gift, which is very different, other people's was around working. So I think that sets you up in how we, as parents, don't think of money when we think of our children, and how to set them up for success early on. Judy, thanks so much for taking the time to speak with me. Is there anything that I'm missing that you'd like me to know or that you'd like our listeners to know? The general advice is do not be scared to ask a question. Any question is a good question. And this free financial helpline is here as a resource to help all women answer that financial question, whatever age you are, whatever your question might be, whatever your income is. We have a community of over 100 volunteers that we match based on your question and expertise. Judy Herbst is executive director of Savvy Ladies, a nonprofit dedicated to improving financial education for women. You can access their financial helpline at their website, savvyladies.org. 51% is a national production of WAMC Northeast Public Radio. It's produced by Jesse King. Our executive director is Dr. Alan Chartock, and our theme is "Lolita" by the Albany-based artist Girl Blue.

200! When I started the show, I thought it would be fun to bring my two favorite passions together - Wine and Finance. Everyone's journey in life is different, just like everyone has different palettes for wine - both should be celebrated and not judged. This week's guest could not have been a better fit to help us celebrate our 200th episode as she is the essence of why I started this podcast. Join us for this podcast and learn about Barbara's riches to rags to riches story. Barbara is a Mentor and a Coach and is "The Leading Authority on Women, Wealth & Power". Barabara joins us this week to share her amazing story about how she had wealth, lost wealth, and had to rebuild her wealth. That started her on a journey you will never forget, as she reveals her financial lessons with other women in all walks of life. You're definitely going to want to tune into this one! Thanks for listening and be sure to like, rate, subscribe and share. If you have any questions that you would like answered on the show, feel free to email us at info@rootedpg.com Or visit us at www.rootedpg.com/podcasts for full show notes and links! https://www.barbara-huson.com/ (Barbara Huson | The Leading Authority on Women, Wealth & Power)Author of: Newest Book: https://www.amazon.com/Rewire-Wealth-Program-Financial-Success-dp-1260464237/dp/1260464237/ (Rewire for Wealth) https://www.amazon.com/Sacred-Success-Course-Financial-Miracles/dp/1940363233/ (Sacred Success: A Course in Financial Miracles) https://www.amazon.com/Overcoming-Underearning-Five-Step-Plan-Richer/dp/006081862X/ (Overcoming Underearning: A Five-Step Plan to A Richer Life) https://www.amazon.com/Prince-Charming-Isnt-Coming-Women/dp/0143112058/ (Prince Charming Isn't Coming - How Women Get Smart About Money) https://www.amazon.com/Secrets-Six-Figure-Women-Surprising-Strategies/dp/0060933461/ (Secrets of Six-Figure Women: Surprising Strategies to up Your Earnings and Change Your Life) https://www.amazon.com/Finding-Financial-Advisor-You-Trust/dp/1934126055/ (Finding a Financial Advisor You Can Trust: A Guide for Investors (and those who want to be)) https://www.barbara-huson.com/books-and-products/ (AND MORE!) About BarbaraI want to teach you the secret wisdom of creating wealth and asserting power, as a woman… wisdom which took me over 40 years to figure out.I grew up relying on my father (the “R” of H&R Block), then my husband, to manage my inheritance. But early in my marriage, I found out my husband was a compulsive gambler. And here's the insane part — I continued to let him handle all our finances because that's how scared and intimidated I was by money. That didn't change until a devastating financial crisis became a personal wake-up call. I got tax bills for over $1m for illegal deals my ex got us in. He'd left the country. I didn't have anywhere close to $1m. And my father wouldn't lend me the money. I had three daughters — one just a baby, and I was not going to raise them on the street. That's when I knew I had to get smart. And I did. I share my journey to financial independence in hopes of inspiring, and even better, motivating YOU to become smart (or smarter) with money… and earn more than you're making now. It's much simpler and more in your control than you may realize. Interested in working with Barbara? https://www.barbara-huson.com/courses/ (Click Here to find out more!) Wine Pick of the Weekhttps://www.joshcellars.com/product/josh-cellars-chardonnay/ (JOSH CELLARS Chardonnay)STYLE Our Chardonnay is a great balance of bright citrus and honey with a touch of oak character and hints of juicy peach. Crafted with care so that no single flavor overpowers another, this wine is simply delicious.  Pairs beautifully with shrimp, steamed mussels, creamy pastas, roasted chicken, and grilled vegetables. THIS EPISODE WAS PRESENTED BY AMY IRVINE ROOTED PLANNING GROUP 10 EAST MARKET STREET CORNING NY 14830...

In today’s episode, I speak with Barbara Huson (previously known as Barbara Stanny), who is the leading authority on women, wealth and power. As a bestselling author, financial therapist, teacher & wealth coach, Barbara has helped millions take charge of their finances and their lives. Barbara's background in business, her years as a journalist, her Master's Degree in Counseling Psychology, her extensive research, and her personal experience with money give her a unique perspective and makes her the foremost expert on empowering women to live up to their financial and personal potential. Barbara is the author of 7 books including, Prince Charming Isn’t Coming: How Women Get Smart About Money, Secrets of Six-Figure Women: Surprising Strategies to up Your Earnings and Change Your Life, Overcoming Underearning: A Five-Step Plan to a Richer Life, Finding a Financial Advisor You Can Trust: A Guide for Investors and Those Who Want To Be, We talk about the following and so much more: ✅ Why is wealth a topic so many women do not talk about? ✅ What does it mean to be “wealthy”? ✅ Why so many women have so much difficulty making or managing money ✅ The three levels of financial development ✅ Why she said “problems with money are never about money”. ✅ Why so many women are underearners Barbara Huson has been featured on Good Morning America, The View, Extra, The O'Reilly Report, and many times on CNN, MSNBC, CNBC, Fox News, PBS and NPR, as well as the New York Times, and USA Today. Please tag us and tell us what you loved! You can follow @Gateways_To_Awakening on Instagram or Facebook if you’d like to stay connected.

In today’s episode, I speak with Barbara Huson (previously known as Barbara Stanny), who is the leading authority on women, wealth and power. As a bestselling author, financial therapist, teacher & wealth coach, Barbara has helped millions take charge of their finances and their lives. Barbara's background in business, her years as a journalist, her Master's Degree in Counseling Psychology, her extensive research, and her personal experience with money give her a unique perspective and makes her the foremost expert on empowering women to live up to their financial and personal potential. Barbara is the author of 7 books including, Prince Charming Isn’t Coming: How Women Get Smart About Money, Secrets of Six-Figure Women: Surprising Strategies to up Your Earnings and Change Your Life, Overcoming Underearning: A Five-Step Plan to a Richer Life, Finding a Financial Advisor You Can Trust: A Guide for Investors and Those Who Want To Be, We talk about the following and so much more: ✅ Why is wealth a topic so many women do not talk about? ✅ What does it mean to be “wealthy”? ✅ Why so many women have so much difficulty making or managing money ✅ The three levels of financial development ✅ Why she said “problems with money are never about money”. ✅ Why so many women are underearners Barbara Huson has been featured on Good Morning America, The View, Extra, The O'Reilly Report, and many times on CNN, MSNBC, CNBC, Fox News, PBS and NPR, as well as the New York Times, and USA Today. Please tag us and tell us what you loved! You can follow @Gateways_To_Awakening on Instagram or Facebook if you’d like to stay connected.

Don't be Stupid about Money - An Interview with Candace Sampson Episode 136 Today's podcast episode is the third in the Breaking Money Silence® with Your Younger Self series. I interviewed Candace Sampson, a well-known Canadian television and radio personality about how divorced impacted her financially and what advice she would give her younger self about money.  Candace Sampson has been in the trenches with women across Canada for over a decade sharing her self-deprecating humor as a TV and Radio personality, and her passion for travel and food on her website, Life in Pleasantville.  Currently, Candace is the owner and host of the What She Said Talk radio show. Read more. Here are 5 things you will learn by listening to this episode: Why divorce disproportionately impacts women's wealth The importance of advocating for yourself during a divorce  The role education plays in being money-wise  3 tips to take care of yourself financially (hint: save!)  One lesson every young person should know about money  Learn more about the 50/20/30 Rule  Read the book, Prince Charming Isn't Coming: How Women Get Smart About Money by Barbara Stanny   Want to connect with Candace? Here's how:  Life in Pleasantville website What She Said Talk Radio  Social: Twitter, What She Said Talk Radio on Twitter   A special thank you to our episode sponsor, Plan Well. Be Well.   Plan well. Be Well is a place that connects your financial well-being to your personal well-being. It's a place to inspire and learn. To define aspirations. To begin articulating what well-being looks like for you. And a place to provide the financial tools needed to achieve your financial goals and live your intended life. Because when you plan well, you can be well. Now and in the future. For more information, visit PlanWellBeWell.com  Apply for the Master Class on Negotiating: Join me for this small group coaching experience and learn how to remove psychological roadblocks to earning your true worth. A new group starts January 2022. Space is limited so register today. Click here to register. .et_bloom .et_bloom_optin_1 .et_bloom_form_content { background-color: #146a7d !important; } .et_bloom .et_bloom_optin_1 .et_bloom_form_container .et_bloom_form_header { background-color: #146a7d !important; } .et_bloom .et_bloom_optin_1 .et_bloom_form_content button { background-color: #f58023 !important; } .et_bloom .et_bloom_optin_1 .et_bloom_form_content .et_bloom_fields i { color: #f58023 !important; } .et_bloom .et_bloom_optin_1 .et_bloom_form_content .et_bloom_custom_field_radio i:before { background: #f58023 !important; } .et_bloom .et_bloom_optin_1 .et_bloom_form_content button { background-color: #f58023 !important; } .et_bloom .et_bloom_optin_1 .et_bloom_form_container h2, .et_bloom .et_bloom_optin_1 .et_bloom_form_container h2 span, .et_bloom .et_bloom_optin_1 .et_bloom_form_container h2 strong { font-family: "Open Sans", Helvetica, Arial, Lucida, sans-serif; }.et_bloom .et_bloom_optin_1 .et_bloom_form_container p, .et_bloom .et_bloom_optin_1 .et_bloom_form_container p span, .et_bloom .et_bloom_optin_1 .et_bloom_form_container p strong, .et_bloom .et_bloom_optin_1 .et_bloom_form_container form input, .et_bloom .et_bloom_optin_1 .et_bloom_form_container form button span { font-family: "Open Sans", Helvetica, Arial, Lucida, sans-serif; } Submit your question for the Breaking Money Silence® Podcast!

Valeria Guerra es Socia Fundadora de Kiik Consultores y creadora del Programa Women at Work 360o, donde buINsca impactar positivamente el desarrollo integral de las personas. Es conferencista y consultora a nivel nacional e internacional en temas de desarrollo de mujeres y el cambio cultural en las organizaciones respecto a diversidad, equidad e inclusión. Es abogada y fue directora de la Carrera de Derecho en la Universidad Metropolitana de Monterrey, también catedrática para la Universidad de Monterrey y el Tecnológico de Monterrey. Es apasionada de la promoción de la participación ciudadana en la política, ha colaborado con el IFE como consejera, fue síndica segunda del Municipio de San Pedro y actualmente es Secretaria de Servicios Públicos y Medio Ambiente del Municipio de San Pedro Garza García, donde su objetivo es lograr construir una ciudad funcional, bella y sostenible. También es Coach Ejecutiva Certificada por la International Coaching Community of London y El Instituto MMK. Es co-autora del libro “Parejas parejas: Hombres que comparten la vida con mujeres poderosas”, junto con Tatiana Clouthier. Donde nos narra historias de parejas comunes que en distintas realidades han logrado caminar juntos hacia el éxito.   En esta entrevista con Valeria platicamos de: ✨ ¿Cómo reflexiona en los momentos de adversidad y desafíos, para no detenerse y tomar decisiones inteligentes? ✨ ¿Cómo organiza el tiempo para ser mamá de 4 hijos, empresaria, servidora pública, pareja, deportista? ✨El networking como una manera de ser, en lugar de una estrategia ✨ ¿Cómo hablar del dinero con tu pareja y con tus hijos? ✨Tres aspectos con los que logra muchísimo: apropiarse de los proyectos, preguntar y pedir   Libro que cita: Prince Charming Isn't Coming: How Women Get Smart About Money Amazon: https://www.amazon.com.mx/Prince-Charming-Isnt-Coming-Women/dp/0143112058   ► SÍGUENOS EN: ◄ ☘️ YouTube: https://www.youtube.com/channel/UCt2r8LeKpms_rf2zw_jYO-Q ☘️ Instagram: https://www.instagram.com/mentores_con_maite/ ☘️ Facebook: https://www.facebook.com/mentoresconmaite ☘️Spotify: https://open.spotify.com/show/2O952j0tyXgDCW5APgYpzN?si=HgB3vsMVRWSZYdk1ge5AAQ ☘️iTunes: https://podcasts.apple.com/mx/podcast/mentores/id1524837156   Contacto: info@mentoresconmaite.com   ➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖   ► SÍGUELA EN: ◄ ☘️ https://twitter.com/guerravaleria ☘️ https://twitter.com/kiikconsultores ☘️ https://www.linkedin.com/in/valeria-guerra-siller-93294548/?originalSubdomain=mx ☘️https://www.instagram.com/vguerras   ➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖ Este SET es patrocinado por mi empresa Yes to Value, una empresa que se dedica a dar “Performance mentoring” (mentoría en desempeño) a través de programas de inteligencia emocional, cultivar hábitos, aprender a vivir incómodos, mindfulness y despertar inteligencias. El enfoque está en generar excelencia y satisfacción dentro de las empresas y en la vida de las personas de manera simple y eficaz.   Si eres dueño de negocio o colaboras en alguna empresa contáctame si quieres que llevemos estos programas, serán impactantes, benéficos y ayudará a generar un ambiente laboral en el que es inspirador trabajar y crecer.   Escríbeme a: cursosmaite@gmail.com   ➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖   Maite Valverde de Loyola:   ✨Creadora y host de MENTORES ✨Fundadora y directora de “Yes to Value”, empresa que ofrece "performance mentoring” a través de conferencias y cursos multimedia sobre entrenar la mente, aprender a vivir incómodos, Mindfulness, disciplina, hábitos, bienestar, desarrollo de inteligencias, reducción de estrés, inteligencia emocional y hablar en público. ✨Fundadora y productora de su canal de YouTube y podcast: Maite Valverde de Loyola ✨Da cursos, conferencias y mentoría en performance, estrategias de comunicación, bienestar, inteligencias (inteligencia emocional y social) y public speaking ✨Tiene una Maestría en Mindfulness (Universidad de Zaragoza - 2017 - 2019) ✨Certificación en Formación Maestros de Meditación (Yoga Espacio, 2 años 2014-15) ✨Más de 10 años ofreciendo contenidos en medios de comunicación sobre: inteligencias, performance, disciplina, hábitos, meditación, estilo de vida, bienestar, logro de metas (ej: con Ricardo Rocha en Telefórmula, Televisa, TVC, Youtube) ✨Mentora de meditación para empresas, universidades y grupos privados (desde 2014). ✨Practicante de meditación ( más de 10 años) ✨Fue productora y titular de su programa Dimensión 11:11 (103.3FM 2017-2019, Radio Fórmula. De lunes a viernes 11pm) ✨Da terapia individual basada en Mindfulness y trabajo corporal ✨Es parte del equipo que está formando la siguiente generación de maestros certificados de Yoga Espacio (2019-2020)   ► SÍGUELA EN: ◄ ☘️ YouTube: https://www.youtube.com/channel/UCIH7z1i8IapYfN33NvI7ssQ ☘️ Facebook: https://www.facebook.com/soy.maite.txu ☘️ Instagram: www.instagram.com/maitevalverdedeloyola/ ☘️ Podcast iTunes: ‎https://podcasts.apple.com/mx/podcast/maite-valverde-de-loyola/id1463115047 ☘️ Podcast Spotify: https://open.spotify.com/show/1QJS3ZLfAWxKHzIHMKN13J?si=IGcvBQ48RKu217m5mioaMg   Contacto: cursosmaite@gmail.com

“It was terrifying to have to make it on my own to have to start looking at finances on my own, but it was liberating.”  In today's episode, Barbara Huson and I discuss wealth and power during divorce, and how to overcome those feelings of being dependent on your ex. We discuss how to feel empowered after divorce, and taking back your life. Divorce can be this huge opportunity to completely change your life.  Barbara Huson (previously known as Barbara Stanny), is the leading authority on women, wealth and power. As a bestselling author, financial therapist, teacher & wealth coach, Barbara has helped millions take charge of their finances and their lives. Barbara's background in business, her years as a journalist, her Master's Degree in Counseling Psychology, her extensive research, and her personal experience with money give her a unique perspective and makes her the foremost expert on empowering women to live up to their financial and personal potential.  Barbara Huson has been featured on Good Morning America, The View, Extra, The O'Reilly Report, and many times on CNN, MSNBC, CNBC, Fox News, PBS and NPR, as well as the New York Times, and USA Today. Barbara is the author of 7 books: Prince Charming Isn't Coming: How Women Get Smart About Money Secrets of Six-Figure Women: Surprising Strategies to up Your Earnings and Change Your Life Overcoming Underearning: A Five-Step Plan to a Richer Life Finding a Financial Advisor You Can Trust: A Guide for Investors and Those Who Want To Be Breaking Through: Getting Past the Stuck Points in Your Life Sacred Success: A Course in Financial Miracles Rewire for Wealth: Three Steps any Woman Can Take to Program Her Brain For Financial Success   You can learn more about Barbara and her work at www.Barbara-Huson.com Read more about her book, Rewire for Wealth - https://www.barbara-huson.com/rewire-for-wealth/

Even if you give up a dream, if it's your destiny, it won't leave you. This is how you know.  Your dream won't leave you.  It remains. Always. My guest this week is the amazing author Barbara Huson, who has written several books about wealth and personal development.  She's on a mission to help each of us feel confident and have consistent well being about wealth.  They are not exclusive.   She reminds us of the following: Even if you give up a dream, if it's your destiny, it won't leave. Look for signs and ask for signs. The only thing that stands between you and success, is fear. If it doesn't challenge you, it doesn't change you. Anything you want to achieve always lies just outside your comfort zone. She's determined to help you take the charge out of the word "wealth". Let's all be well-thy, now! It will serve you and more importantly, the world!   More about Barbara: Barbara Huson (previously known as Barbara Stanny), is the leading authority on women, wealth and power. As a bestselling author, financial therapist, teacher & wealth coach, Barbara has helped millions take charge of their finances and their lives.   Barbara's background in business, her years as a journalist, her Master's Degree in Counseling Psychology, her extensive research, and her personal experience with money give her a unique perspective and makes her the foremost expert on empowering women to live up to their financial and personal potential. Barbara Huson has been featured on Good Morning America, The View, Extra, The O'Reilly Report, and many times on CNN, MSNBC, CNBC, Fox News, PBS and NPR, as well as the New York Times, and USA Today. Barbara is the author of 7 books: Prince Charming Isn’t Coming: How Women Get Smart About Money Secrets of Six-Figure Women: Surprising Strategies to up Your Earnings and Change Your Life Overcoming Underearning: A Five-Step Plan to a Richer Life Finding a Financial Advisor You Can Trust: A Guide for Investors and Those Who Want To Be Breaking Through: Getting Past the Stuck Points in Your Life Sacred Success: A Course in Financial Miracles Rewire for Wealth You can learn more about Barbara and her work at  www.Barbara-Huson.com Join her online community, The Wealth Connection https://www.barbara-huson.com/the-wealth-connection/

Meet Barbara Huson Barbara Huson (previously known as Barbara Stanny) is the leading authority on women, wealth, and power. As a bestselling author, financial therapist, teacher & wealth coach, Barbara has helped millions take charge of their finances and their best lives. Barbara's background in business, her years as a journalist, her Master's Degree in Counseling Psychology, her extensive research, and her personal experience with money give her a unique perspective and makes her the foremost expert on empowering women to live up to their financial and personal potential.     Barbara Huson has been featured on Good Morning America, The View, Extra, The O'Reilly Report, and many times on CNN, MSNBC, CNBC, Fox News, PBS, and NPR, as well as in the New York Times and USA Today.   Barbara is the author of 7 books:  Prince Charming Isn't Coming: How Women Get Smart About Money  Secrets of Six-Figure Women: Surprising Strategies to up Your Earnings and Change Your Life  Overcoming Underearning: A Five-Step Plan to a Richer Life  Finding a Financial Advisor You Can Trust: A Guide for Investors and Those Who Want To Be  Breaking Through: Getting Past the Stuck Points in Your Life  Sacred Success: A Course in Financial Miracles, and Rewire for Wealth was just published in January 2021 Barbara Huson talks very openly both in this conversation and in her books about being in a financial fog for the first 45 years of her life. She adopted the belief through her family upbringing that she didn't have to deal with finances or money, only to find out that after her husband left her and the country, that she owed hundreds of thousands of dollars. Her former husband was a stockbroker and also a compulsive gambler. Barbara has since learned that if you don't deal with your money, your money will deal with you and has gone on to teach thousands of women about how to create wealth, financial freedom, worthiness, and wellbeing. This was such a rich conversation and I'm excited for you to learn so much of what I've taken away from her many powerful books and teachings.       The Secrets of Successful Women with High Earnings Barbara Huson explains how working with successful women who experience financial freedom still struggled with self-doubt. Proving that insecurities exist no matter how high up the ladder a woman may climb. The difference Barbara found is that each of these women felt the fear and did it anyway. They refused to let fear stand in their way of success, knowing that it was part of the equation. Barbara shares that the number one requirement for success and thriving financially is being willing to do what you fear. That is the big secret to financial freedom.  The Power of Fear Barbara Huson has a take on fear that I think is incredibly empowering and true. In sum, it is to turn towards the fear and go there. Ask yourself, what are you most scared to do? That's the secret, that one little thing. Follow what scares you most. It is essential to have lots of support so that when that fear rises, and it will rise, you don't let it stop you, but be there to help you push through with your head held high.  Overcoming Underearning  In Barbara Huson's (previously Barbara Stanny) book Overcoming Underearning: A Five-Step Plan To A Richer Life, she defines underearning as when anyone who needs or desires to earn more but can't despite their best efforts. There isn't a specific number attached to underearning, as you could be underearning at 6-figures. It is reaching a point and being unable to break it no matter what you do. Maybe this is because you feel like what you are doing doesn't feed your soul. Instead, it deprives you of its true purpose, often having the quality of feeling a lack of money, time, and boundaries. Barbara explains how boundaries are crucial to set and should be based on a "hell yes"; otherwise, it's about having the courage to say no. Creating boundaries actually builds your self-esteem instead of encouraging self-doubt. She further explains in her book that problems with money are rarely about money and rather have everything to do with power. Barbara defines power from a new lens and explains that feminine power is about knowing who a woman is, knowing what she wants, and expressing that in the world unapologetically.  The Addiction Many of Us Have There's an addiction that many of us have that keeps us from financial freedom-ATBS. ATBS stands for Addiction to Busyness Syndrome. This need to be busy keeps you from feeling inner pain and can be hard driving. It is the over "doing" that you numb yourself to what is really wanting to be birthed in your soul. The antidote is taking time to be, do nothing, and ultimately surrender to your soul's purpose. You must be willing to be quiet, to slow down and to stop the busyness and hear your soul's whisper. This allows the unfolding of your purpose, and from the purpose, your success.  How To Find Sacred Success  Barbara Huson's book Sacred Success: A Course in Financial Miracles is about pursuing your soul's purpose. This entails doing the outer work, the inner work, the higher work, and the deeper work. It is all about moving from survival to stability (having just enough) to affluence, which allows you to make a more significant difference. Barbara's motto is to pursue your greatness, which is where the deep gladness of your soul's desire meets the deep hunger on the planet. Ultimately, this is about leaving a legacy and deciding how you want to make a difference and how you want to be known after your gone. Rewire for Wealth  Rewire for Wealth is Barbara Huson's latest book promoting financial freedom. In Rewire for Wealth, she weaves in neuroscience, spirituality, and psychology to teach a powerful 3-step process to help you rewire your brain for wealth. These 3 steps are: Recognize: Recognize the self-doubt thought with curiosity, and notice that you're having a thought about 'I'm not enough,' not that the thought is the truth of who you are. Recognize that you are separate from the thought. Reframe: Reframe your limiting beliefs. Ask yourself, 'how can I see this differently?' For example, 'there's not enough money' to 'there's plenty of money'.  Respond: Respond differently as if the reframe is true. Repeat this over and over and if you can, feel the truth and add the excitement to your voice.  Final Thoughts With a bit of work, we can rewire our brains from limiting thoughts and self-doubt to new beliefs that align with our desires, leading us towards success, excellent health, and financial freedom. The secret lies within us if only we take the time to do the work. One of my favorite takeaways: Do what you fear, sacred soul, as that is where your secret treasure lies.        You can learn more about Barbara and her work at www.Barbara-Huson.com.     Sacred Connection As always, this community is a sacred, safe place built on love and acceptance. It was created to help you evolve and expand into your highest self. Please share your wisdom, comments, thoughts. I love hearing from you and learning how you are being your truest, you-est you. Please join us in our Facebook group The You-est You® Community for Soul Seekers Join host Julie Reisler, author and multi-time TEDx speaker, each week to learn how you can tap into your best self and become your You-est You® to achieve inner peace, happiness, and success at a deeper level! Tune in to hear powerful, inspirational stories and expert insights from entrepreneurs, industry thought leaders, and extraordinary human beings that will help to transform your life. Julie also shares a-ha moments that have shaped her life and career and discusses key concepts from her book Get a PhD in YOU.   Here's to your being your you-est you!   Connect with Barbara Huson Website:  barbara-huson.com Facebook: @barbarahusonofficial Instagram: @thebarbarahuson Twitter: @TheBarbaraHuson LinkedIn: linkedin.com/in/barbarahuson YouTube: youtube.com/channel/BarbaraHuson   Enjoying the show? For iTunes listeners, get automatic downloads and share the love by subscribing, rating & reviewing here!   *Share what you are struggling with or looking to transform with Julie at podcast@juliereisler.com. Julie would love to start covering topics of highest interest to YOU.   You-est You Links: Subscribe to the Podcast  Learn more at JulieReisler.com Become a Sacred Member at the Sacredology® Membership Join The You-est You® Community for Soul Seekers on Facebook Subscribe to Julie's YouTube Channel Book Julie as a speaker at your upcoming event Amazon #1 Best selling book Get a PhD in YOU Download free guided-meditations from Insight Timer Julie's Hungry For More On line Program (10 Module Interactive Course) 15 Days Of Gratitude To Change Your Life on InsightTimer

If you don’t deal with money, it’s going to deal with you. Faced with millions of dollars of debt and a failing marriage, Barbara Huson knew she had to stop letting life happen to her and create the future she desired from the ground up. In doing so, Barbara has worked tirelessly to learn, grow, and inspire others to face their fears and shame around finances. Through this work, Barbara discovered the amazing transformation that is possible through rewiring your brain to understand and embrace success and power. I am honored to speak with her about her journey and cannot wait to share this amazing conversation with you. Inside today's Make Your Passion Pay You Podcast episode you'll learn:

Barbara Huson (previously known as Barbara Stanny), is the leading authority on women, wealth and power. As a bestselling author, financial therapist, teacher & wealth coach, Barbara has helped millions take charge of their finances and their lives. Barbara's background in business, her years as a journalist, her Master's Degree in Counseling Psychology, her extensive research, and her personal experience with money give her a unique perspective and makes her the foremost expert on empowering women to live up to their financial and personal potential. Barbara Huson has been featured on Good Morning America, The View, Extra, The O'Reilly Report, and many times on CNN, MSNBC, CNBC, Fox News, PBS and NPR, as well as the New York Times, and USA Today. Barbara is the author of 6 books: Prince Charming Isn't Coming: How Women Get Smart About Money Secrets of Six-Figure Women: Surprising Strategies to up Your Earnings and Change Your Life Overcoming Underearning: A Five-Step Plan to a Richer Life Finding a Financial Advisor You Can Trust: A Guide for Investors and Those Who Want To Be Breaking Through: Getting Past the Stuck Points in Your Life Sacred Success: A Course in Financial Miracles Her 7th book, Rewire for Wealth, was published Jan 12, 2021 You can learn more about Barbara and her work at www.Barbara-Huson.com What You Will Learn: What does financial therapy mean The 4 prongs of financial success What does Barbara do to change beliefs about money How neuroscience impacts financial success 3 steps to rewire your brain from all of your financial beliefs What is individuation and how it relates to money 3 beginner steps to wealth building What wealth is to Barbara How to contact Barbara Huson: Website: https://www.barbara-huson.com/ LinkedIn: https://www.linkedin.com/in/barbarahuson/ Facebook: https://www.facebook.com/barbarahusonofficial/ Twitter: https://twitter.com/TheBarbaraHuson

Your thoughts about money are powerful and impact your financial confidence. Tune into my interview with Barbara Huson (formerly Stanny), bestselling author of several books including Prince Charming Isn’t Coming Anymore and Overcoming Underearning to learn about her latest book, Rewire Your Brain. Discover three simple steps for turning negative thoughts into positive actions. You don’t want to miss out on this actionable podcast so download it on your app or listen below today. Special Offer: Guided Exercises for Overcoming Underearning. In this five-step plan to a richer life, Barbara leads you through a series of powerful exercises. A perfect companion to her Overcoming Underearning book, this also includes 3 exclusive bonus exercises available only on this recording. Show Notes: Meet Barbara Huson Rewire for Wealth Overcoming Underearning This episode is sponsored by Life Transitions by Dr. Amy. When it comes to life’s changes, there are two types of people: those experiencing the change and the professionals advising them. Life Transitions by Dr. Amy walks beside both, helping financial professionals and individuals navigate more gracefully through any life change. To find out more, visit DrAmy.life Be sure to sign up for the Breaking Money Silence® podcast and not miss an episode!  Disclosure: Please note that the links above may be affiliate links, and at no additional cost to you, I will earn a commission if you decide to make a purchase after clicking through the link.

Our first episode of Informal Education is finally here! This week we are meeting with Misha Ferguson, marketing operations expert for the tech industry, discussing how she's gone from minimum wage to a six figure salary by learning how to negotiate and negotiate well. Books and resources discussed during the show: Barbara Stanny's books “Secrets of Six Figure Women”,“Overcoming Underearning”, and “Prince Charming Isn't Coming”. Here's an article that gives a quick review on Barbara Stanny's “Secrets of Six Figure Women” https://www.vocationvillage.com/secrets-of-six-figure-women/ Article on Overcoming Underearning https://www.businessinsider.com/personal-finance/overcoming-underearning-increased-income-saved-time Article on Negotiation https://www.themuse.com/advice/how-to-negotiate-salary-37-tips-you-need-to-know

Newly divorced with three children and a million dollars of debt, Barbara Huson had to get smart with her money—and fast! In our conversation, she talks about the challenges many face with their finances and strategies you can use to rewire your brain and achieve success. She says when you know your motivation, that’s when money shows up. Then Barbara shares the simple recipe to getting smart with your money: consistent small steps lead to remarkable results.   What you will learn: It’s not too late to start getting smart Problems with money are never about money First step to getting out of debt: Commit The three levels of financial development Be purpose-driven, not just profit driven Wealth is not an amount—it’s an attitude Do what you’re afraid to do Train your brain in three steps   Quotes: “If you don’t deal with your money, your money will deal with you.” – Barbara Huson “What I found is that getting smart about money doesn’t need to take a long time. It doesn’t take a lot of money to create wealth, and it’s never, ever, ever too late to start.” – Barbara Huson “My definition of a powerful woman is someone who knows who she is, who knows what she wants and expresses that in the world unapologetically.” – Barbara Huson “I really see that the number one requirement for going to the next level, in anything, making more money or losing weight, is always the willingness to be uncomfortable.” – Barbara Huson “So, the three levels of financial development are survival, stability and affluence. And survival is not enough, stability is just enough, and affluence is more than enough.” – Barbara Huson “That really is the whole point of creating wealth. It’s to have the well-being and peace of mind to know you’re okay and you’re safe.” – Barbara Huson “Our words are so powerful. The words we use that come out of our mouth and the words in our head—it’s how you rewire your brain.” – Barbara Huson “Getting smart, it’s really small steps consistently taken that lead to remarkable results.” – Barbara Huson   Free Valuable Report for our Listeners: “3 Beliefs About Money Your Kids Should Learn That No One is Teaching Them” https://goodmoneyframework.com   Follow The Good Money Show on Instagram! https://www.instagram.com/goodmoneyframework    Recommended Resources: Barbara-huson.com Prince Charming Isn’t Coming: How Women Get Smart about Money by Barbara Stanny (https://amzn.to/2N7KIvK) Rewire for Wealth by Barbara Huson (https://amzn.to/37dsFef)

Today I speak with Author Barbara Huson (previously known as Barbara Stanny) Overcoming Under-earning and her new book, Rewire for Wealth. Barbara Huson is the leading authority on women, wealth and power. As a bestselling author, financial therapist, teacher & wealth coach, Barbara has helped millions take charge of their finances and their lives. We discuss overcoming under-earning and how your mind must Rewire for Wealth.  Barbara is the author of 6 books: Prince Charming Isn’t Coming: How Women Get Smart About Money Secrets of Six-Figure Women: Surprising Strategies to up Your Earnings and Change Your Life Overcoming Underearning: A Five-Step Plan to a Richer Life Finding a Financial Advisor You Can Trust: A Guide for Investors and Those Who Want To Be Breaking Through: Getting Past the Stuck Points in Your Life Sacred Success: A Course in Financial Miracles Her 7th book, Rewire for Wealth  In her new book, Rewire for Wealth, we discuss the 3 steps any woman can take at any time to rewire: Recognize - your thoughts and the lines you repeat to yourself as if they are true Reframe - how else you can think about things through different lenses Respond - what new choices you will make now that you know something different to be true   We also discuss:  How you can recognize whether or not you are under-earning. It’s relative to your potential and your desire to earn more The element of co-dependency in the accounting profession How growing your income requires changing your self-image The goal of 7-figure earning women is not more profit, but greatness Connect with Barbara: www.Barbara-Huson.com   Rewire for Wealth: https://www.amazon.com/Rewire-Wealth-Program-Financial-Success/dp/1260464237/ref=sr_1_1?crid=BOB4NO2P1SW1&dchild=1&keywords=rewire+for+wealth&qid=1611707302&sprefix=rewire+for+we%2Caps%2C191&sr=8-1   /////////   Upcoming Events: How to Deliver Rolling Forecasts to Your Clients with Laura Landmark Tues Feb 9th noon ET Email geraldine@shethinksbigcoaching.com with “Rolling Forecast” in the subject line and I will send you the calendar invite.   //////////   If you suspect you are under-earning and you are ready to do something about it,  Schedule time with Geraldine: https://calendly.com/geraldinecarter/15min   Work with Geraldine: https://shethinksbigcoaching.com/coaching-options   Download the ebook “6 Simple Steps to Double Your Revenue” https://shethinksbigcoaching.com/download-double-your-revenue

Happy New Year! It goes without saying that 2020 was collectively a challenging year for many of us. This year, I want to make sure you’re set up to leverage the lessons you learned last year so that you can attain all of your goals.To kick off the new year, I wanted to introduce you all to a trailblazer who truly compliments what it means to redefine wealth and who I absolutely admire and appreciate. Barbara Huson (previously known as Barbara Stanny), is the leading authority on women, wealth and power. As a bestselling author, financial therapist, teacher & wealth coach, Barbara has helped millions take charge of their finances and their lives. Barbara's background in business, her years as a journalist, her Master's Degree in Counseling Psychology, her extensive research, and her personal experience with money give her a unique perspective and makes her the foremost expert on empowering women to live up to their financial and personal potential. Barbara is the author of 6 books and her 7th book, Rewire for Wealth, will be published this month, January 2021. Many of us have become comfortable with thoughts, ideas, habits, patterns, mindsets, and limiting beliefs that don’t serve us for the year that we are claiming we want. We need to rewire ourselves and Barbara’s new book establishes the framework to build generational wealth and will guide all of us toward achieving success in every pillar of our lives. Key discussion points from this episode include: Prince Charming Isn’t Coming - 13:18 What Holds You Back From Earning More? - 17:07 It Takes Money To Make Money - 23:58 The 3 Steps To Train Your Mind To Rewire Your Brain - 27:08 Do It For Someone You Love - 32:49 Power From A Feminine Perspective - 34:54 Taking Your Power Back - 41:33 The 4 Components Of Financial Success - 44:20 What Is Enough For You? - 48:37 This episode is brought to you by our complimentary Purpose Chasers community. Want to share your aha moments with a group of like-minded purpose chasers from all over the world? Visit iamapurposechaser.com and join NOW. Rewire for Wealth - Takeaways “Success in everything always lies just outside of our comfort zone.” - Barbara Huson “In our deepest pain lies our highest purpose.” - Barbara Huson “When you make a commitment, the universe revolves to help you reach your goals.” - Barbara Huson “The number one requirement for going to the next level in your life is always the willingness to be uncomfortable.” - Barbara Huson “I feel the fear and I just keep pushing forward.” - Patrice Washington “The stretch is going from what feels comfortable to what seems impossible.” - Barbara Huson “What flows through the mind wires the brain.” - Barbara Huson “I was afraid that a man wouldn’t love me if I was financially successful.” - Barbara Huson “There’s one person out there who needs to read that, so I’m writing for that one person.” - Barbara Huson “I will always show up for an audience of one, because an audience of one is still an audience.” - Patrice Washington “You can’t pursue your purpose and play full out if you’re drowning in debt and struggling to make ends meet.” - Barbara Huson “Women’s difficulties with money - making and managing it - has very little to do with money, and everything to do with our fear of and ambivalence about power.” - Barbara Huson “My definition of a powerful woman is someone who knows who she is, knows what she wants, and expresses it in the world unapologetically.” - Barbara Huson “Being powerful means becoming all of who we’re meant to be and saying no to what doesn’t work for us, instead of watering ourselves down so we don’t make waves.” - Barbara Huson “The heart work and hard work is having to recognize and give yourself permission to dig up the roots of what hasn’t served you for years.” - Patrice Washington “The way you take your power back is by answering the question: What do I want?” - Barbara Huson “In the world of work, I’d rather be respected than liked.” - Barbara Huson “Power is truth. When you really understand what’s true for you, you are in your power.” - Barbara Huson    Redefining Wealth Rapid Wisdom Questions And with that, let’s dig into Barbara’s responses to our Redefining Wealth Rapid Wisdom Questions. Define Success: “Success for me is when doors open easily.” Define Wealth in 3 Words or Less: “More Than Enough (and you know it).” One Book that Has Redefined How You See Wealth: The Richest Man In Babylon by George Samuel Clason Fill-in the Blanks … “My name is ___ and the truth about wealth is ___”: “My name is Barbara Huson and to me the truth about wealth is it’s so fun to have.”   EPISODE MENTIONS: “ReWire For Wealth” Book   LINKS: Join Purpose To Platform: https://patricewashington.com/purpose2platform/ To advertise on the podcast: http://www.patricewashington.com/podcastads Become an Official Purpose Chaser: https://www.facebook.com/groups/redefiningwealthcommunity/?ref=bookmarks To check out ALL of our past guests + episodes: http://www.patricewashington.com/Listen If you have questions about booking Patrice or sponsoring the podcast, email us at info@seekwisdomfindwealth.com. Find me in Social Media: Our podcast hashtag is #RedefiningWealth Instagram: @SeekWisdomPCWhttps://www.instagram.com/seekwisdompcw/ Twitter: @SeekWisdomPCWhttps://twitter.com/SeekWisdomPCW Facebook: @SeekWisdomPCWhttps://www.facebook.com/SeekWisdomPCW/ YouTube: @SeekWisdomPCWhttps://www.youtube.com/user/SeekWisdomPCW

Financial problems are usually not solely about money… they  are usually about having the power to take control of your destiny.  Women have been holding back their power for generations. Women need support. We need courage, and we need to find our purpose so that we can step fully into our power, specifically when it comes to making informed financial decisions.  Today’s guest, Barbara Huson, has been crusading for women for decades when it comes to wealth and power. She’s been on Good Morning America, The View, Extra, CNN, MSN, and she’s here to share her unique perspective on how to find financial freedom! We dive in and discuss how to find your purpose and have the passion to drive you through any hurdles that come your way.   While there are many ways to find your purpose, the one thing you have to do to is crystallize and clarify your purpose: Know who you are. Know what you want.  Barbara Huson, author of Prince Charming Isn’t Coming, shares her story of how she became a leading authority in empowering women to take charge of their own financial futures, with lots of tips and mindset shifts for you along the way. Today on the InFLOW podcast, Barbara shares: Finding your purpose, passion, and your drive.  Small actionable steps you can take everyday to get smarter about money. One secret key to finding success. Find out more! Subscribe and rate our podcast on iTunes at: http://www.michellebosch.com/itunes Android users can subscribe and rate our podcast at: http://www.michellebosch.com/android Follow Michelle Bosch on Instagram to see what she’s up to: https://www.instagram.com/michelleboschofficial Find out more about Barbara Huson at: https://www.barbara-huson.com/

The girls gush over the awesome payoff from each book. In this part 2, the girls dish on the goods. Read these books! Nikki's review- The Energy of Money by Maria Nemeth, PhD. Gina's review- Prince Charming Isn't Coming by Barbara Stanny. Lizzie's review- The Art of Money by Bari Tessler.

Why horses are perfect PTSD co-therapists......Join together in advocating for effective trauma therapy with Michele Fisher Michele Fisher is a Univ. of Michigan educated ( early childhood development) and 16-year CASA volunteer advocating in court and in life for traumatized children in our foster care system. Ms. Fisher has made it her mission in life to connect changemakers with effective mental health offerings, to compromised populations. The impact of this groundbreaking work speaks to otherwise unattainable joy and functionality in the lives of traumatized Americans. The unconventional, yet proven effective, use of the horse as an active participant in the therapeutic process make this modality an unusual yet compelling area for exploration.     Read the Interview Hugh Ballou: Hi, this is Hugh Ballou and Russell Dennis again for this edition of The Nonprofit Exchange. We have interviews with thought leaders every week. Russell, this is somebody you found today. How are you today, Russell? Russell Dennis: Greetings, salutations from sunny Aurora, Colorado, not far from Boulder, where our guest is today. My friend Michele Fisher, who runs a nonprofit that supports people through equine therapy. She is unique in that she raises money for herself, and she funds other projects. We're going to find out a lot about her secrets and how she is able to juggle both hats and wear both hats and what she looks for, and to talk about how equine therapy is helping veterans and children all over Colorado. Hugh: Let's jump into this. Michele, welcome to The Nonprofit Exchange. Tell people a little bit about yourself. Michele Fisher: Thank you, Hugh. Thank you so much, Russ. I am a graduate of the University of Michigan, and my degree is in early childhood development. I am a teacher and have been a teacher and lover of education from the get-go. I decided at a very early age that I wanted to try to help children in a different way, not just through traditional education means by being a teacher. I became a CASA worker. It's an acronym for Court Appointed Special Advocate. We are volunteers that are trained to work with foster children who have been abused and/or neglected. We help them in life. We actually become life coaches and advocates in court and in their family life for them. This showed me how there were many more opportunities to help not only one child at a time or one classroom at a time, but entire families and entire communities that were compromised or otherwise had survived some sort of trauma. When I lived in Lake Tahoe, I became certified in what was then called the NAHRA program, the North American Handicapped Riders' Association. Today, it's called PATH. It's a particular version or modality of equine therapy that primarily addresses the needs of humans on the autism spectrum and also people who have cerebral palsy. As I married my two new loves, my equine therapy and my CASA work and education work with children, I realized that if there was enough money available for veterans that have PTSD and children who have been traumatized, we would be able to have a permanent impact upon the mental health in our society. As I became more and more involved in the mental health arena through my CASA work and also through the equine therapy work, I was struck and dumbfounded by how remarkably effective working with the horses was with people who were frankly quite emotionally ravaged and even physically ravaged in their lives. This became almost an obsession with me to find out why this connection was so different from other forms of traditional modalities and therapies when we are trying to help victims of trauma of all sorts try to live normal lives. I say “normal” knowing there is nothing normal. Joy-filled lives, trying to live lives with fulfillment and with absence of emotional and mental pain. I started to volunteer as a horse handler at various equine therapy barns around my area in Boulder, Longmont, Lafayette, Lewisville, Colorado. I learned there is an entire tribe of incredibly skilled, passionate, knowledgeable people who are doing this work, not only here in Colorado, which happens to be a hotbed of equine therapy, I've learned, but also all over the country and in eastern Europe as well. I started The Healing Hoof in order to raise money for people who couldn't afford equine therapy in order to get the benefit of it. In that, I've also learned how to find the vibe of my tribe, which I think is a really important learning for executive directors and other individuals involved in nonprofit work. Whether you are awarding grants, receiving grants, or doing some mix of both, or whether you are not even involved in the grant world, but maybe you are accepting donations or sponsorships, no matter what means you are using to generate energy and create a new life for your nonprofit, I think it's incredibly important to make sure that you find the right people. That is what I mean by find the vibe of your tribe. I'll tell you a short story, an anecdote. I was a director of business development for a nonprofit in Lakewood for a while before I immersed myself fully into my own nonprofit. During that time, one of the very large mega oil producers in Weld County approached us and asked if they could partner with us in order to gain positive PR. Their philosophy was that because many folks in Colorado are opposed to fracking, and they work here and have to work with us—gee, did I just say something about my political opinions?—they have a hard time really getting community buy-in to what they're doing. What they came to us for was to spend a lot of money in several communities on the I-25 corridor in the heart of Weld County, where the bulk of their operations exist, to build things like rec centers or community places where the community could come, and they would name it after themselves so that the community could see them as a more friendly player. At that company, we thought that was a great idea, and they were willing to pay us a great amount of money to do it. Fast forward to now marketing this nonprofit. I am speaking to all thought leaders in the nonprofit sector. As a marketer and a business development person, my mind went to, Wow, how many veterans and kids could I help with their checkbook? Maybe I should approach them to become a sponsor. I did my research, and I looked at the websites, and I dug deeper and deeper into their fiscal plans and all of the information I could garner from each of seven or eight of the larger to mid-size operators. What I found was that they are not my tribe. The reason they're not my tribe is because of who they really are intrinsically and the way that they choose to present themselves to the community. I'm not saying this is true for all of the operators, but these large ones I did research on. What I found was deception. What I found was that they promised to show certain things or reveal certain things they really didn't. Even though I probably could've gone down that path and gotten significant sponsorship dollars for my foundation, I decided not to because in the end, the only real support that we will get for our individual passions and for our work that we're doing is from the people who are authentically attached to it passionately and in their hearts and souls, not just as a job each day. I tell that story because I think that as businesspeople and as responsible executive directors and volunteers and different kinds of people that work to make this world better on many different planes, sometimes we get lost in trying to raise money and making that the goal because it is paramount not only to our success but to our survival. Of course, we must keep our eye on that ball. But I ask for us today to open some space to consider being a little bit more selective and taking a long-term view in exchange for a shorter-term relationship that may end up working out for the short run, may get you some bad press or not. In the end, if it's not really part of your vision and your mission and your heart, then I don't believe it's worth pursuing, even if it glitters a lot. Hugh: Michele, how long have you been doing The Healing Hoof foundation?   Michele: We started in 2013. We have really just begun to become vibrant and active. Life got in the way a little bit with me between then and now, which prevented me from really going full force into this. Now, I am able to do that. We're having our first event this summer, August 11 in Longmont. We are going to have a really fun event with a very well-known a capella rock band called Face Vocal Band, which will be our headline entertainment there. We are looking to make a splash into the Denver market with lots of great grant funding and lots of opportunity for veterans and kids and people who need to address issues relative to their trauma. Hugh: Russell, you've been carefully paying attention. I'm sure you have some questions for Michele. Russell: We met fairly recently, and we have been working together to move things forward. The ability to build relationships that help you raise money and fund projects takes a bit of juggling. What I wanted to ask Michele is what are three things that you look for in collaborative partners, whether you are getting them to write you a check or you are writing them a check? Michele: The first thing I look for is authenticity. Are they really who they purport to be? Are they really doing the work they say they're doing? Are they passionate? Are they involved? Are they engaged? That is the most important thing: their dedication from inside to the work that they're doing. Then I look for their wherewithal. Are they emotionally balanced? Are they able to carry forward this work? Are they able to do the work they set out to do and accomplish their goals? Are they well balanced and able to be a leader? The third thing would be for whom are they the sphere of influence? When I start to gather my tribe of those I want to help and those I would like to help me help them, I want to make sure that we have the same spirit of moving money. I'm dedicated to moving the money that I receive so that it can work. Whereas I appreciate people who make a lot of money and have a lot of resources. If they are not willing to move these resources and allow them to be a part of the commerce of healing and making our world better, then they are not a good partner for me. And they need to smile. Russell: You don't smile very much. Michele: Not much. Russell: With that said, looking for these things in the collaborative partners, there are things that you do that make you successful. What would you say are the three key ingredients to your success, both before and after you started this project and this journey? Michele: #1, I am willing to say no. That is a difficult thing, especially for those of us in this world who have inherently large hearts and say yes too often around the table and then cry on the way home trying to figure out how to fulfill that promise. I think the ability to draw boundaries when it's appropriate, to say no to the opportunities that are not good for everyone, and to recognize what is really a win-win for all of the people and animals involved. For example, one of our strong tenements is to fund barns and equine therapists who take excellent care of their horses, who don't overuse the land, who try to use organic products and not a lot of chemicals. It's not just the mental health of the child or the adult that we're concerned about. We want to make sure that our horses are happy and healthy. They are co-therapists. They are important to us. They are sentient beings who we respect a great deal. That is part of what is very important to us, too. That does set us apart. There are some people who will do some equine therapy. Just come and pet my horse. Get on my horse and ride. There is a certain kind of therapy or equine experience associated with that, but we are pretty picky about who we fund. We fund therapists that are licensed and have experience. Depending on what you come to us with, what your maladies are, whether they're physical, emotional, mental, or some combination will depend on which barns we might recommend for you or what type of equine therapy we suggest might be the most impactful for your particular issues you're dealing with or way of life or concerns or experiences. Everything is individual. Russell: That is one of the hallmarks of effective collaboration when people come to you. Having that network of people and being willing to share the wealth so to speak. I know people who do certain types of therapies for certain types of people. We're well aware of both strategy and collaboration here at SynerVision. One of the things that Beth Cantor, who is an expert at nonprofit social media, she wrote a book called The Healthy, Happy Nonprofit. She talks about the importance of taking care of yourself, which you emphasized here. How important is it for nonprofit leaders to take care of themselves in order to be effective at actually serving others? What would you say are the three most important things a nonprofit leader could do to take care of themselves so they are effective at helping other people? Michele: Russ, it's not only important, it's critical. One cannot be effective if they are not well cared for. There is a reason that the flight attendants tell us to put the oxygen masks on ourselves first. If we are not fully present, and our cup isn't full, then we are not able to give to others fully, authentically, and give everything they truly need. I believe in two-hour massages. Not one-hour massages. After one hour, I'm just getting relaxed, and the Jello is just setting. Two-hour massages. Yes, it will cost a little more money, but it will go a lot further. Massages. Happiness. To do what really brings you joy, whether it's dancing or singing or drinking a cup of coffee at six o'clock in the morning and watching the sun rise or climbing up on my horses at midnight when I can't sleep or breathing or yoga or taking a walk or a bath or having a good argument or discussion or reading a book or knitting or sports. Whatever it is. Find out, like my good friend Cody Qualls from Face Vocal Band says, “What's your jam?” Get your jam on. Your jam. I think that's a really important thing to know about ourselves, and to give us permission to indulge in. If you have children, if you are involved in your work or extracurricular activities, or taking care of parents, we all need to fill ourselves up. There are some schools of thought that will have us believe that is a selfish act, or that it is not giving to take care of yourself first. We all have to negotiate that particular conversation and value amongst ourselves and the people we engage with. But there is nothing wrong with meeting your own needs. Eating healthy, great food. I have had people say to me, “I can't afford to eat organic,” and they have the latest version of the newest iPhone. It depends on what you value. If you value your longevity, if you value what you have to give, you will be able to give it for a long time and to give much more quality in terms of your knowledge, wisdom, offering, service, or products if you take care of yourself. That is one thing. Get massages. Engage with people. Find your own personal tribe. Laugh with people. Cry with people. Engage. For me, this might not be for everyone, engage with animals. That to me is a big part of my own personal well-being. I know it's not for everybody. But if you are a meow or a bark or a neigh, go do your neigh neigh. Find your neigh neigh. It might not be a horse. Russell: I can't be of service to others unless I'm at my best. You are by trade a teacher from the University of Michigan. As a lifelong fan of the Ohio State Buckeyes, I never thought in a thousand years I would meet a Michigan Wolverine I like as much as I like you. We just connected and clicked on so many levels. You started your career. You have been working very closely for a long time with children. You chose to serve children. As a Court Appointed Special Advocate in three counties, you still are serving children at a high level. Talk a little bit about the therapy work that you've done with children and why horses are perfect for helping children through any challenges they have. Michele: Why children? Because children are our future. Children are our hope. Children represent the continuity of our very being and species. They are so magically delightful that when they honor me by allowing me to pick them up or care for them or laugh with them, it just touches my heart deeply. I find them to be so varied and open. They teach me so much. I learn so much from kids that adults are just kind of a little bit jaded or dead sometimes. It keeps me alive. It keeps me willing to be a little different and think of things in a different way. It also allows me to see the world literally from a different point of view. When you look at the world from a three-year-old's view, and you are looking at mostly table legs or humans' knees, it's a very different way of looking at the world, and it gives me compassion for needing to work harder to look into people's eyes and to be able to meet them on a deep level. Children allow me to do that and foster that for me. I think they bring life and honesty and joyfulness to most situations. That is what draws me to children. It makes me feel so great when I am still in touch with an 18-year-old child who I got as a CASA child when she was 18 months old out of a horrific situation, and today she is a pediatrician. Russell: That sense of possibility is impossible among children. They're small. Talk a little bit about how being a Court Appointed Special Advocate played into you starting your own foundation. What we are talking about with PTSD is trauma at the highest level. Michele: So when I first became a CASA member, a lot of people would respond to the news by saying, “Oh my God, how could you do that work? I could never do that work. I love children so much, and I'm so sensitive to them.” I'm here to tell you that I can do the work because I love children so much. It hurts me to see what people do to children. Every single time, it breaks my heart. Even after 18 years—she's not a pediatrician yet, she's in school—after 18 years, I still cry. I still feel very deeply, but never in court, never in front of them. It gives me power, it empowers me because if a child can stand up and put one foot in front of the other after what they've experienced with so little resources and so little support, then who am I, this privileged white woman, to say that I can't go out and raise money and help people and do what I know I can do? I find that strength in those cases. I find my wherewithal. I find that I can take on a tougher family. I can take on a gang member. I can work with these people. I'm not afraid anymore. What they have taught me is how to grit my teeth and get what I want. It was a message that my father taught me that they are reinforcing that has been valuable. Even when it looks like there is nothing, I don't know if you know who David Pelzer is. A Boy Named It was the book he wrote; he was the spokesperson for CASA, as are Dr. Phil and his wife, Robin. But what they show us is how the human spirit knows no bounds and that if we will just reach out a little bit and give just a finger up, a hand up, an arm up, whatever we can afford to spread around, what blooms is so much greater than the small seed that we once planted. Now many of these children are leading productive, contributatory lives in society. I'm not going to say it; it would not be deserving to say just because of me. But I did play a role in their self-confidence, in bringing them hope, that there is an adult who will listen, and in learning to use resources. That keeps my engine going. There are plenty more children and people who are suffering that I can help through using my education, experience, mind, resources, and wherewithal to bring awareness to what they need. There are people who will help. We just have to ask the right people. Russell: This work is taking place with small children, with teenagers. Some have been in gangs, but they have experienced all of this trauma. City kids. Connectedness is important as far as reaching children. I'm sure a lot of our nonprofit leaders who watch here work with youth and children. Equine therapy is a unique, out-of-the-box, fairly new way of approaching working with these kids. Horses are very large animals.   Michele: Most of them. Russell: The sight of a horse, even for an adult, you look up and see this huge animal, they have experienced all of this trauma, and there is probably some fear going on around that. How do you ease the children and these young people you work with- Same thing could be with veterans that you work with. When people have experienced this trauma, there is a fear factor going on. How do you bridge that and let these folks know you're safe here so that they can ease into actually building the relationship with the animal? Michele: Great question. I use the principles of an author by the name of Gavin de Becker. He protects one of the presidents. I don't know if it's the current president or Obama. He is also an author. He wrote the book The Gift of Fear. The principle is that fear is useful. Fear exists in us for a reason. It is to be paid attention to, not to be overridden, ignored, or otherwise bulldozed through. Your question is so wonderful. Why horses? How do we mitigate fear? Horses help us to mitigate fear. Not only by virtue of their size and maybe other people's experiences or what people have heard about horses, they not only induce fear, but they also help us to bring our fears out and put them on the table. For example, no matter who the herd of horses that I pick, if I bring a client that has a boundaries problem, one of those horses is going to get up into her face and make that client deal with her boundaries. They know. They just know that what you're feeling inside. Why fear? We use the fear as a therapeutic form to become aware of, to understand that these are feelings to name what that really is that you're feeling, and to be able to talk about it and why. Where else in your life do you feel fear? How is this like other fearful situations? How is it different? There is a plethora of conversations that then ensue because we use trained therapists who not only take advantage of these situations, but they foster the discussion. They're talented and skillful enough to recognize when a person is feeling fearful or trepidation, and move in and relieve it and talk about it, so that processing occurs. Once processing occurs, then healing can start to live there. You can plant a seed of healing. Horses are remarkable beings. They are extremely intuitive. That old adage: horses know you're afraid, so pretend you're not. The first half is true, and the second half just doesn't work. If you're afraid, the horse knows you're afraid, so you might as well just stand there and say, “I'm scared,” or “Hey, it's okay, buddy.” If you walk in with a lot of bravado and pretend you know what's going on and go into the horse's space, he/she will let you know. They won't hurt you. But they will somehow recognize who you are and find a way to let you know that's not okay. As we get managed in our behavior by the herd, there are lots of opportunities for us to talk about our own personal herds. Who are our relationships? We let our clients watch the herd interact. There they are in their families. Every single one of them can find their mother, father, boyfriend, little brother, someone to bring up issues that are yet not dealt with and still wreaking havoc with their joy. Horses do that. They have a very large nervous system. Just being around them will calm you. Some people just want to stand near them. Some people just take chairs and go in the stalls and breathe with them or listen to them eat. It's very relaxing. There is a whole gamut of why horses work for certain people. The theme is that they do. Not every horse wants to be a therapy horse by the way. You can't just pull over by the side of the road, jump into a corral, and make yourself feel better. It may work. But not every horse wants to engage. Not every horse wants to engage with people who are triggered, or triggered easily, or on medication, or going through withdrawal, or having some of the human experiences that we do. Bu the ones that are are all there. Often, they've had professional lives being competitive horses, hunters, jumpers, Western, reining horses, English, equitation on the flat. Many of them were very successful. They don't have anything to prove. Now they're like we are. They are in the time of their life when they are settled and ready to give back. Russell: Just looking out, there hasn't been a lot of data collection on equine therapy and studies on how that helps people. You and I went to see some folks at the United Veterans' Committee of Colorado. When you introduced yourself, people gravitated to you right away because the first words out of their mouths were, “This works.” Talk about some of what people who are exposed to this and who take on equine therapy, talk about some of the benefits and results you have been able to give people. Michele: Sure, thank you. One of the things that really stands out in my mind is their ability to cope. They have a toolbox now that they didn't have before. I'm not saying it's the only toolbox they have. It is one that they will always have and one that works every time. Because of that, they are more grounded. They are happier. They are easier to get along with. The children represent less behavior problems in school. They get along with their parents, foster parents, stepsiblings, and siblings much better than they used to. They are able to be more proactive in their own lives. They found a way to not just blow up. They have found coping mechanisms. They found the ability to recognize when they are having trouble. The ability to recognize and having a toolbox are two things that can really change people's lives. Those are the kinds of things that we impart into their world, into their ability, their resources to be able to go to. Russell: One of the things, going back to our meeting with the veterans here in Colorado at UVC, that they spoke to, was the epidemic of veteran suicides. This has become a national issue. Although there has been a lot of awareness over the last four or five years certainly, the mental health profession has not really been able to make a significant dent in it. As a matter of fact, the first time I started hearing statistics seven or eight years ago, there were 18-20 veterans a day committing suicide. That is up to about 23 a day now. I know a lot of mental health resources have been put into that. A lot of people are doing work toward it. But we haven't made a dent in it. With equine therapy being new, people might say, “I've tried some other things.” What would you talk to them about as far as: Are you a candidate? Are you someone who would benefit from equine therapy? Who does equine therapy help? Who is predisposed to getting better results? How would you handle that type of conversation? What are some of the things you would say to those folks who may be on the fence about trying it?   Michele: I would say jump over that fence and come on over. I don't know if you know this, but I have a personal story with suicide. My husband committed suicide in 1999. My personal experience with it is part of what motivates me to really be involved with the veterans. The fact that I see it escalating and not decreasing is even more motivation to do it quickly and in a large way and to try and get involved from a legislative perspective and try to get equine therapy involved and try to get these men and women into groups that are where they belong and where the rubber meets the road in terms of what they're dealing with and how we can help them to have less of it. I'm not saying we're the panacea, but it is the best kind of therapy that I've ever been exposed to in terms of impact and the amount of joy that it allows people to feel in their lives for a longer period of time and in a deeper, meaningful, lasting way. Yes, suicide prevention is something that is very much part of our work. We take it very seriously. We have some people in our network who are specialists. Not only are they veterans, but they are also equine specialists. We feel like we're a really good resource for the veterans. We really want to make an impact and help to reduce that number down to nothing, or at least single digits, in the next year or two if we can. Hugh: It's an alarming number. I've seen it escalate. When we started out, I thought maybe she had a green screen image like me, but it kept moving. The horse that is grazing is right in the picture. This is from the ranch. I'm wondering, you're really articulate. You're really focused. You're passionate about what you're doing. What do you do for self-care as a leader? It's not a straight line developing an organization. You've been through some life trauma yourself. How do you keep yourself not only on the cutting edge of what you're doing, but balanced—you've set some boundaries as you mentioned—and growing as a leader? How do you care for yourself? Michele: I like to do workshops. I like to look for leaders who I admire and whom I would like to adopt some of their means of work. I go to different places and do workshops and educate myself. I further myself mentally and spiritually. I take time to expand, not only in terms of mental health and how we can help veterans and children, but also where I need to grow. I do therapy for myself. I invest in relationships and get a lot of feedback from people and take their advice. I actually ask people what areas need to be improved. As far as leadership, I like to go away with people. I like to go on things that are kind of like retreats or weekends and just focus on, or even have a lunch or spend time with other thought leaders in a relaxing atmosphere to really just share ideas and not pursue the agenda so that we can expand ourselves and be more elastic instead of just doing our work every single day. That is expected of us. How can we get bigger? How can we have new ideas and see things in different ways? I like to be involved with people in all different kinds of ways. Hugh: That's a great answer. What do you think, Russell? That is a balanced approach to staying centered as a leader. Russell: A podcaster James Altucher, whose books I've been reading, talks about that. He talks about improving 1% a day. I don't remember where he got that, but he said improving 1% a day helps him to get better. One of the things he does is write down 10 ideas every day. He says it's the ideas that move people. Ideas move things forward. He writes down ideas. Not all 10 of them may be good. But getting into the practice of doing that helps you expand, helps you grow and shift into who you are. We're big fans here at SynerVision of learning. We're building toolkits all the time for people to come into the community and take advantage of. Leaders are readers. That might be a green screen, but Hugh reads a lot of books. He's written some. Soon, we're going to be talking about some of the books that are out there that we've read that some of our guests have written, and talk about some of the lessons we learned from them and some things we can apply to put to work for ourselves. Along that line, talk to us about some things that you've written and read that have been helpful to you on your journey in making a difference in the lives of other people. Michele: I think my go-to resource is the book by Dr. Charles Whitfield on boundaries. He might not even be with us anymore. He was in his 90s a while ago. It is a go-to place for me because no matter what walk of life you choose, and no matter what kind of people you surround yourself with, it's important to be able to recognize what their boundaries are in order to maintain respectful relationships and boundaries that go deep and get intimate. It also talks from a psychological point of view why we need to be able to understand what our own personal boundaries are because it gives us room for our own mental health and our space to be able to stay emotionally fluid and healthy and available to be able to function and contribute as a human on the planet instead of taking away. I'm not saying people who are needy are taking away. I'm saying people who impose upon others and strip us of our dignity and our respective selves. That is one of the most important books I really like. Another great book is by the daughter of either H or R Block. Her name escapes me right now. Prince Charming Isn't Coming. It's a lovely book. I see you're chuckling. It's true. By the way, Prince Charming isn't coming. I love that book because it really reinforces that we are responsible for ourselves, and that we can take responsibility no matter what our learnings previously or understandings have been. We can move on at whatever age to know who we are and to take care of our own needs. I love that message in that book. Another one would be Judith Durek, Circle of Stones. You could read this book in an hour. It's a book about what your life would have been like if you had been offered all of the support from your tribe that you needed at every step of the way. If you were in the sweat lodge with all of your tribe members, and your elders were teaching you about how it is to be a man or a woman, instead of the kind of life that you led, what would that be like for you? It's a wonderful springboard into what if. It allows us to fantasize about what we still could be. I really love that. She presents it in an easy-to-read, lightly anecdotal format. I think those would be the three go-to places. Another author I must talk about is Andrew Sam Newman. You must listen to his TED Talk. He writes children's books. They are the best children's books I've ever read. I majored in kiddie lit. I read a lot of children's books. The reason they're so good and so meaningful is because of the values that they impart and because of the way they set up reading time and the way they foster intimacy and create joy and love around reading. He writes just the greatest books. Whether you have children or not, you must familiarize yourself with him. He has a delightful soul. Hugh: You have a little sparkle in your eye when you talk about that. Michele, as we wrap up this good interview, lots of useful information, we like for people to tell their own stories because it's encouragement for those who are starting out or for those who are stuck. You can make a pathway if you are determined to do it, but if you have a strategy and a team around you and a clear way of talking about your vision and why you should support it. We will give you a chance to share a closing thought, tip, or challenge. We have great leaders, but they need help to get them to where they need to be with it. You get to have the last word. Russell closes us out and says sayonara at the end. *Sponsor message from Wordsprint* We close out this interview with you giving the last word to people. What thought do you want to leave people with? Michele: There are two things I would like to ask. First, I would like to say thank you for all of the work that you're doing. The two things I'd like to ask are these. Today. I'd like to ask you to do two things today. 1) Ask for something you have previously been afraid to ask for. 2) Spontaneously help someone. I want to thank you so much for listening today. I want to let you know we appreciate all of the work you're doing. Hope to see you August 11 in Lafayette. We're at TheHealingHoof.org. Russell: Thank you, Michele. This has been a really great interview. It's a pleasure working with you. I'm looking forward to continuing and making that impact here on the front range with the wonderful program you have. A lot of people out there. Learn more about your ad choices. Visit megaphone.fm/adchoices

Join Stacy in an info-packed conversation with award-winning family and matrimony attorney, Amanda Trigg. Based in New Jersey, Amanda brings years of experience protecting her clients and their families through the complex and challenging process of divorce.   In this episode, Amanda details how women who are contemplating divorce can prepare for the possibility of divorce and find the financial information without raising their spouse’s suspicions. Among her insights:   •              Why you should never panic, but you should “just ask”. [7:20] •              What to do when “just asking” doesn’t work - legal ways women can get information about a spouse’s finances.  [14:30] •              Understanding the grey area between “Awkward” and “Illegal”. [15:50] •              What constitutes a reasonable expectation of privacy within the home.  [27:00] •              What is “safe”/ “legal” to look at when it comes to digital files and online information [27:47] •              How valuable credit applications can be when searching for financial information [30:40]   Stacy Francis | W: www.francisfinancial.com P: (212) 374-9008 E: stacy@francisfinancial.com Amanda Trigg | W: www.amandatrigg.com E: ast@lmllawyers.com   Items mentioned in this podcast (Stacy’s Recommended Readings)   1. The Richest Man in Babylon George S. Clason’s classic book shares the secrets to overcoming your personal financial problems. Read and absorb the inspirational and informative “Babylonian parables” containing stories on thriftiness, financial planning and personal wealth. 2. MONEY Master the Game: 7 Simple Steps to Financial Freedom Tony Robbins has released his first book in two decades. It includes extensive research and interviews with more than 50 renowned financial experts. Use his easy-to-follow, seven-step plan to get your finances in order, create a lifetime income plan and achieve financial freedom. 3. When She Makes More: 10 Rules for Breadwinning Women Do you earn more than your partner? Personal finance expert Farnoosh Torabi explains how women can avoid burnout, infidelity and divorce as the family breadwinners. Check out her 10 rules to achieving personal and professional success. 4. Prince Charming Isn’t Coming: How Women Get Smart About Money, by Barbara Stanny 5. On My Own Two Feet: A Modern Girl’s Guide to Personal Finance, by Manisha Thakor and Sharon Kedar 6. The Debt Escape Plan, by Beverly Harzog 7. Worth It: Your Life, Your Money, Your Terms, by Amanda Steinberg

Barbara Huson (previously Stanny), is the leading authority on women, wealth and power. As a bestselling author, teacher & wealth coach, Barbara has helped millions take charge of their finances and their lives. Barbara's background in business, her years as a journalist, her Master's Degree in Counseling Psychology, extensive research, and her personal experience with money makes her the foremost expert on empowering women to live up to their financial and personal potential. Barbara's 6 books are: Prince Charming Isn’t Coming, Secrets of Six-Figure Women, Overcoming Underearning, Finding a Financial Advisor You Can Trust, Breaking Through, and Sacred Success.

As the daughter of the R in H&R Block tax services, Barbara Stanny grew up relying on her father, then her husband, to manage her money. But a devastating financial crisis became a personal wake-up call. Her journey to financial enlightenment is inspiring and is the basis for her best-selling books, and our interview with her on Cinderella CEO On Air. She’s done hundreds of media interviews, including Time Magazine, The View, The New York Times, Forbes, MSNBC, Fox News, CNN, PBS and more. We’re so honored to have her on our program.Barbara’s message: “When you take charge of your money, you take control of your life.” You may have read her books Secrets of Six-Figure Women, Overcoming Under Earning, Prince Charming Isn’t Coming and her most recent Sacred Success. She’s written a total of six books on the topic of financial and personal empowerment. A highly entertaining and sought-after speaker, Barbara teaches women how to map out their financial futures and shares her secrets of personal empowerment. For more information or to contact Barbara Stanny, go to http://www.barbarastanny.com.

As the daughter of the R in H&R Block tax services, Barbara Stanny grew up relying on her father, then her husband, to manage her money. But a devastating financial crisis became a personal wake-up call. Her journey to financial enlightenment is inspiring and is the basis for her best-selling books, and our interview with her on Cinderella CEO On Air. She’s done hundreds of media interviews, including Time Magazine, The View, The New York Times, Forbes, MSNBC, Fox News, CNN, PBS and more. We’re so honored to have her on our program.Barbara’s message: “When you take charge of your money, you take control of your life.” You may have read her books Secrets of Six-Figure Women, Overcoming Under Earning, Prince Charming Isn’t Coming and her most recent Sacred Success. She’s written a total of six books on the topic of financial and personal empowerment. A highly entertaining and sought-after speaker, Barbara teaches women how to map out their financial futures and shares her secrets of personal empowerment. For more information or to contact Barbara Stanny, go to http://www.barbarastanny.com.

I am super excited to introduce Barbara Stanny on today’s show! Barbara is on a mission to motivate women to become financially empowered. She is the author of multiple books including Prince Charming Isn’t Coming, Secrets of Six- Figure Women and Overcoming Underearning. Her latest book is called Sacred Success. We talk about the practical, psychological, and spiritual work of wealth in this episode. I think you’ll love Barbara’s energy and perspective. “My definition of a powerful woman is someone who knows who she is, who knows what she wants, and expresses that in the world unapologetically.” - Barbara Stanny. Learn more about this episode of Money with a Twist of Sublime at www.hollysignorelli.com/08

Barbara Stanny, Author Prince Charming Isn't Coming Women can have a love/hate relationship with money. Even in today’s society, some women feel they are not going to be attractive to a mate if they are financially put together. Barbara Stanny and Kathleen delve into the notion that women are still waiting for Prince Charming to rescue them financially instead of empowering themselves to learn about investments and money management. Listen in as they discuss the importance of busting this myth wide open so that women of all ages can be more financially intelligent and set a good example for the next generation. Key Take Aways: Barbara explains that getting smart about money involves a three-pronged process – the outer work (education), the inner work (money mindsets), and the higher work (your life purpose). You need to take small steps consistently and you will see remarkable results. Money doesn’t come from what you earn, it comes from what you do with what you earn. (Click to Tweet)] Special Offer: Free e-book "So You've Made Good Money...Now What?" Barbara Stanny is the best-selling author of Prince Charming Isn't Coming, Secrets of Six-Figure Women, and Overcoming Underearning®.  She has been teaching women how to take charge of their money and take charge of their lives for 20 plus years. An experienced mentor, wealth coach, and sought-after speaker, Barbara can help you create the wealth you desire and the life you deserve.  

Ever wonder how women with six-figure salaries ended up so successful? Learn their secrets from Barbara Stanny, a best-selling author who has been featured on CNN, Fox, CNBC, and other notable publications. She talks about how financially successful women have understood the concept of power from a female perspective, and how they have harnessed that in order to have financial independence. She relates her own personal and devastating experiences with money, and how she turned her life around by learning from other successful women. She mentions how she wrote her books, like “Prince Charming Isn't Coming: How Women Get Smart About Money” and “Secrets of Six Figure Women: Surprising Strategies to Up Your Earnings and Change Your Life”, in hopes of helping other women become financially free as well. Besides advice on money matters, Barbara also gives a perspective on what makes a woman with passion and strength powerful. She talks about the common traits she has seen among successful women, and what they have done to keep themselves committed to what they do. Being financially successful is something many people yearn for. So listen as Barbara gives helpful tips and advice that can help anyone achieve their deepest purpose while being financially stable.   In this episode, you'll learn: • The importance of asserting your power in financial matters. • Three reasons why women tend to under-earn. • The one thing all successful women have. • How to prepare for your first TV appearance. Tweetables: • My definition of a powerful woman is someone who knows who she is, who knows what she wants, and expresses that to the world unapologetically. • The number one requirement for going to the next level is the willingness to be uncomfortable, because success always lies outside your comfort zone. • Having passion was so much more important than their education, their talent, and their knowledge. Big Takeaways: • Experiencing difficulties with money has very little to do with actual money. It actually has something to do with your concept of power, and learning how you can assert your own power will help you become more financially independent. • In the world of work, it is important to toughen up if you want to be successful. However, it is also important to have friends, family, and peers that can help support you outside your business life. • Passion helps you have a deep sense of purpose, and will help you get over all obstacles if you truly believe in it. It is also one of the things that many successful people have that helped propel them to where they are today. Related Links & References: • Barbara's website: http://barbarastanny.com/ • Barbara's books: http://barbarastanny.com/books-products/ • Money Monday: http://barbarastanny.com/seminars/money-mondays/ • The “Zone of Genius” in Gay Hendricks's The Big Leap: Conquer Your Hidden Fear And Take Life To The Next Level: https://www.amazon.com/Big-Leap-Conquer-Hidden-Level-ebook/dp/B0026772QU/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Barbara Stanny is the leading authority on Women and Wealth. As the daughter of the R in H&R block, Barbara grew up relying on her father and then her husband to manage money.  Little did she know she would soon be taking financial matters into her own hands after a devastating financial crisis rocked her world in which she owed the IRS over $1 mil for her ex's reckless illegal deals. She knew she had to get smart about money... and she did. She took her skills as a prior journalist and started interviewing financial savvy women leading to her first book: Prince Charming Isn't Coming: How Women Get Smart About Money She then turned her focus on how to become financially successful herself by interviewing women who made $100k or more leading to her book: Secrets of Six Figure Women: Surprising Strategies to Up Your Earnings and Change Your Life She's now gone on to write, Overcoming Underearning®: A Five Step Plan to a Richer Life And the book that initially got my attention: Sacred Success: A Course in Financial Miracles   Her new mission is to make millions, help millions, and give millions by empowering other women to take charge of their finances and take charge of their lives through her books, her life-changing retreats, and private coaching.    Join Barbara June 2-5, 2016 for her next Sacred Success Retreat in Baltimore, Maryland, as she leads a small, intimate group of women on a quest that's both a practical process and a spiritual practice, merging higher incomes with a higher calling, pursuing your soul's purpose while being richly rewarded.   AND to find out more about the Fierce Feminine Masterclass to Up Level your leadership and you success, find out more here: FierceFeminineMasterclass.com.

Barbara Stanny is the leading authority on women and wealth. Her mission – to revolutionize women's relationship with money. As a best-selling author, sought after speaker, workshop facilitator and money/wealth coach, Barbara has helped millions take charge of their finances and their lives. Barbara's background in business, her years as a journalist, her Master's Degree in Counseling Psychology, her extensive research and her own dramatic experience with money gives her a unique and powerful perspective on women's financial issues. She has been featured on Good Morning America, The View, Extra, The O'Reilly Report and many times on CNN, MSNBC, CNBC, Fox News, PBS and NPR, as well as the New York Times, and USA Today. She has written the following books: • Prince Charming Isn't Coming: How Women Get Smart About Money • Secrets of Six-Figure Women: Surprising Strategies to up Your Earnings and Change Your Life • Overcoming Underearning: A Five-Step Plan to a Richer Life • Finding a Financial Advisor You Can Trust: A Guide for Investors and Those Who Want To Be • Breaking Through: Getting Past the Stuck Points in Your Life • Sacred Success: A Course in Financial Miracles For more information on Barbara Stanny and her work please visit: www.BarbaraStanny.com  

Barbara Stanny is the leading authority on women and wealth. Her mission - to revolutionize women's relationship with money. As a best-selling author, sought after speaker, workshop facilitator and money/wealth coach, Barbara has helped millions take charge of their finances and their lives. Barbara's background in business, her years as a journalist, her Master's Degree in Counseling Psychology, her extensive research and her own dramatic experience with money gives her a unique and powerful perspective on women's financial issues. She has been featured on Good Morning America, The View, Extra, The O'Reilly Report and many times on CNN, MSNBC, CNBC, Fox News, PBS and NPR, as well as the New York Times, and USA Today. She has written the following books: • Prince Charming Isn't Coming: How Women Get Smart About Money • Secrets of Six-Figure Women: Surprising Strategies to up Your Earnings and Change Your Life • Overcoming Underearning: A Five-Step Plan to a Richer Life • Finding a Financial Advisor You Can Trust: A Guide for Investors and Those Who Want To Be • Breaking Through: Getting Past the Stuck Points in Your Life • Sacred Success: A Course in Financial Miracles   For more information on Barbara Stanny and her work please visit: www.BarbaraStanny.com  

Katana and Vicky will be interviewing author, financial coach and the Leading Authority on Women and Money, Barbara Stanny.Join us as we’ll discuss:The Relationship between money and powerHow Men and Women view wealth and power through different lenses.Barbara Stanny is the leading authority on women and money. Her mission—revolutionize women's relationship with money. As a bestselling author, sought after speaker, workshop facilitator, and money/wealth coach, Barbara has helped millions take charge of their finances and their lives. She has written the following books:Prince Charming Isn’t Coming: How Women Get Smart About MoneySecrets of Six-Figure WomenOvercoming UnderearningBreaking Through: Getting Past the Stuck Points in Your LifeFinding a Financial Advisor You Can TrustSacred Success: A Course in Financial Miracles To learn more about Barbara go to BarbaraStanny.com.

Join us as we’ll discuss:Barbara’s Sacred Success Weekend RetreatWhat Sacred Success means to herThree things a woman can do to get smart about money Barbara Stanny is the leading authority on women and money. Her mission—revolutionize women's relationship with money. As a bestselling author, sought after speaker, workshop facilitator, and money/wealth coach, Barbara has helped millions take charge of their finances and their lives. Barbara's background in business, her years as a journalist, her Master's Degree in Counseling Psychology, her extensive research, and her own dramatic experience with money give her a unique and powerful perspective on women's financial issues. She has been featured on Good Morning America, The View, Extra, The O'Reilly Report, and many times on CNN, MSNBC, CNBC, Fox News, PBS, and NPR, as well as the New York Times, and USA Today. She has written the following books:Prince Charming Isn’t Coming: How Women Get Smart About Money Secrets of Six-Figure Women Overcoming Underearning Finding a Financial Advisor You Can Trust To learn more about Barbara Stanny go to www.barbarastanny.com

Many of us believe we would enjoy having a trust fund and having someone else take care of the money. Or you may believe you have a limit on your earning potential. How about those of you who want to let go of something that is holding you back – a job, a belief, a fear. Today we have Barbara Stanny who is on a mission to motivate women to become financially empowered. She is the author of several books including: Prince Charming Isn t Coming: How Women Get Smart About Money and Secrets of Six Figure Women: Surprising Strategies to Up Your Earnings and Change Your Life. smiling, The post Barbara Stanny appeared first on howshereallydoesit.com.