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Welcome to another episode of the Conversations for Financial Professionals podcast where we are shaping the next generation of financial advice. Today we have Luis Rosa. Luis is the founder of Build a Better Financial Future LLC. He immigrated from the Dominican Republic at age 11 and grew up in New York City where he noticed the lack of financial literacy in his community. He's the host of the “On My Way to Wealth” podcast, co-founder of the BlatinX (BLX) Internship Program and LatinXcellence – an initiative that seeks to bring awareness to and help close the wealth gap in the LatinX community.  He's held many roles including FPA NexGen ambassador and host, to CFP Board Center for Financial Planning's Diversity Summit speaker using those platforms to spread financial literacy via media outreach as well as encourage younger and diverse planners to join and thrive in the industry. In this episode, Luis F. Rosa, CFP®, EA and I discuss why building financial literacy in our society is a key to building wealth. In this episode, you'll discover: Luis' formula for becoming financially literate, and whether this formula is different for specific people groups; What helped Luis uncover the importance of financial literacy as a component to building generational wealth; Luis' thoughts about where the nexgen financial professional can fit into the continuum of making a difference; Trends Luis has noticed with the type of talent coming into the industry now, and the type of contributions they want to make; Luis' take on the impact of the BLX internship and what he and his co-founders are trying to solve with this solution. If you want to understand the ingredients to becoming financially literate, find out where the nexgen #finpro fits into the financial literacy equation, and learn the changes to the existing model for recruitment of nexgen talent so you can incorporate tools to serve your ideal client at the next level, tune in now! _____________________ Resources: Are you a current or aspiring financial professional?  Click here to receive my 10 Tips for jumpstarting your career. Listen to previous podcast episodes, clicking here. To receive a newsletter digest of Jumpstart community happenings, click here. Don't forget to subscribe to the show on iTunes to get automatic episode updates for our "Conversations for Financial Professionals!" by clicking here. Want to collaborate? Click here. If you enjoyed this episode on building financial literacy in our society is a key to building wealth, please share it with your friends by using the social media buttons you see at the bottom of the post. And, finally, please take a minute to leave us an honest review and rating on iTunes. They really help us out when it comes to the ranking of the show and I make it a point to read every single one of the reviews we get. Please leave a review right now, click here. Thanks again for listening, reading, and watching!

EPISODE SUMMARY Entrepreneurs face uncertainty on a daily basis – yet facing uncertainty can cause a lot of overwhelm and anxiety because our brains don't like uncertainty. How are YOU dealing with this challenge?     In this episode you'll learn about: - Busyness vs productivity - Why your brain tries to eliminate uncertainty - How a common bias can steer you toward being busy rather than productive   EPISODE NOTES Claudia Garbutt is a molecular biologist turned mindset and high-performance coach for ambitious, mission-driven entrepreneurs who want to shatter invisible ceilings & create more inner peace, income & impact – without sacrificing their health, relationships, or happiness along the way.   She is passionate about empowering other entrepreneurs so that they can ditch worry, self-doubt & overwhelm and become confident CEOs and conscious creators of their dream lives.   To do that, she teaches entrepreneurs the fundamental mechanisms at the intersection of physiology and psychology that drive human behavior & wellbeing so that they can work WITH their brain & body instead of AGAINST them to stay happy, healthy & productive, and achieve their goals with more ease & joy.   Claudia is German, a wife, mom of 2 kids and 2 cats, a runner, environmentalist, a cancer survivor, and a Top10 entrepreneurship podcast host. --------------   If you'd like to connect more, you can find me here: Website: www.wiredforsuccess.solutions Instagram: https://www.instagram.com/wired_for_success/ Facebook: https://www.facebook.com/claudia.garbutt.1 LinkedIn: https://www.linkedin.com/in/claudia-garbutt/ Clubhouse: @wiredforsuccess RESOURCES Are you too busy to enjoy your life and would like to free up more time to do all the things you love? Check out my “5 Days to Getting Your Life Back” productivity course that teaches ambitious, mission-driven entrepreneurs how to win back 1-2h of precious time each day Use the coupon code PODCAST to get 10% off.  

Whether a mom works outside the home by choice, necessity, or a combination of both, it is difficult to find a good balance between work and home. Author Nancy Wolgemuth helps us see what the Bible says to help us prioritize. Dr. Meg Meeker and Tracy Lane offers some practical tips for how to achieve balance. Show Notes and Resources Are you in a race to see who can be a better mom? Dr. Meg Meeker feels that many mothers today have lost their joy due to the pressure they feel to keep up with other moms. Find resources from this podcast at https://shop.familylife.com/Products.aspx?categoryid=130. Download FamilyLife's new app! https://www.familylife.com/app/ Check out all that's available on the FamilyLife Podcast Network.  https://www.familylife.com/familylife-podcast-network/

Continuing with the “Tiny Habits” theme, Prep Dish founder Allison Schaaf talks about the Ability element of behavior today. Based on BJ Fogg’s book, Tiny Habits, “ability” refers to how easy/convenient versus difficult/inconvenient a behavior is. Allison walks you through questions to ask yourself to determine what is making a new habit difficult. She also goes through 3 strategies to make a new behavior easier. Why is a habit, such as meal prep, difficult? Think about these five questions in terms of meal prep: Do you have enough time? Is money standing in the way? Is physical ability / kitchen skill level getting in the way? Is mental energy getting in the way? Does it fit into your current routine? If you’re having trouble sticking to a habit, think through where in the “ability chain” you’re getting stuck. Which part is blocking you? Do you need a better knife? Do you need to be more realistic and plan a shorter prep session? Fogg suggests three ways to make a behavior easier: Increasing Skills - take a cooking class or a knife skills class (or even watch my YouTube series on how to chop different fruits / veggies: How-to (Chopping & Knife Skills)) Tools and Resources - Are there any tools that could make the behavior easier? This could be a good chef’s knife, pre-chopped veggies or made-for-you meal plans. Make the behavior tiny - Try a starter step. For example, set out your knife every sunday when you get home from the park. The idea is that you’ll add to that behavior over time. A different starter step could be printing out your meal plan and leaving it on the counter. Another way to make a behavior tiny is to scale back, make the behavior more manageable. You might try only chopping veggies or only baking sweet potatoes and making rice for your weekly meal prep to make it more realistic. Connect with Allison: PrepDish.com Instagram: https://www.instagram.com/prepdish/ Get your FREE mealplan at PrepDish.com/podcast OR text the word mealprep to 33777 Resources mentioned in this podcast: Get your 2 week free trial here: prepdish.com/mpm Buy the Tiny Habits Book: https://www.amazon.com/Tiny-Habits-Changes-Change-Everything-ebook/dp/B07LC9KDP5/ref=sr_1_1?dchild=1&keywords=tiny+habits&qid=1616702969&sr=8-1 3 Ingredient Marinades (Many double as a salad dressing!): https://prepdish.com/podcast-show-notes/ep49/  

Are you playing it safe?Is there a wilder version of yourself inside of you, waiting (begging) to be released?WHAT ARE YOU WAITING FOR? (That’s me yelling. Not at you. WITH you, you wild beast of gorgeousness.)When you outsource your self-worth, you just can’t play and experiment and infuse your work with possibility...because you’re too busy trying to please everyone. It’s time to unveil all of you so that you have even more potential to design a business you love and get paid to be you.Today I’m talking to Angie Cole about all things wild. We’re mixing it up and jamming about mindset and self-worth, but also super-tactical and practical ways to tap into your potential.Angie is a coach and mentor who works with gritty, come hell or high water humans determined to create work that keeps them lit up and well-paid. What’s stopping you? What’s holding you back? It’s time to step into your truth…because you do not have to settle. It’s time to get yourself lit up, well-paid and walking on the wild side!In this episode we uncover: ✅ The untapped potential of our instinct and intuition for life, business and leadership✅ How we’ve entangled our relationship with money to our value and our worth, why that matters and what to do about it✅ What value actually means and how we measure it in our business, and how it’s different from worthiness (this is powerful)✅ Giving ourselves permission to build our businesses and our lives our way (no rules!)Resources:Are you a gritty, come hell or high water human determined to create work that keeps you lit up and well-paid? Then check out more of Angie’s wildness here.Are you ready to use your unfair advantage to tap into your potential and get paid to be you? It’s time to download my eBook to learn how.I have sat in moments of pain, and that’s when we become more human and accepting of who we are. But first you have to embrace your inner heroine.If you’re a badass Queen and you’re ready to be surrounded by other badass Queens and start living all of this every day, then you’re ready to join the $10K Club. See acast.com/privacy for privacy and opt-out information.

Welcome to another episode of the Conversations for Financial Professionals podcast where we are shaping the next generation of financial advice.   I hope that you have enjoyed Season 1. I am really excited about Season 2 and what we have in store for you.  During this bonus episode, I am going to recap everything from Season 1, including a one-word takeaway from each Season 1 interview.    I will also give you a sneak peek of what to expect in season 2 on topics and guests!    Show Highlights: Why I revamped the podcast  (1:54) How did I determine the Season 1 podcast theme? (3:29) Episode 1 - Seth Godin - (SAGE) (5:07) Episode 2 - Cameron Huddleston - (COMPASSION) (6:44) Episode 3 - Bob Veres - (CONSIDERATE) (8:37) Episode 4 - Neil Patel - (RESOURCEFULNESS) (11:08) Episode 5 - Gary Clement - (STUDIOUS) (13:58) Episode 6 - Brad Klontz - (INNOVATIVE) (20:17) Episode 7 - Ana Trujillo Limon - (THOUGHTFUL) (22:47) Episode 8 - Rob Bertman - (VIGILANT) (26:55) Episode 9 - Jacqueline Schadeck - (INSPIRATION) (30:10) Episode 10 - Andy Andrews - (PERSPECTIVE) (34:20) Season 2 preview (38:55) Resources: Are you a current or aspiring financial professional?  Click here to receive my 10 Tips for jumpstarting your career. Listen to previous podcast episodes, clicking here.   To receive a newsletter digest of Jumpstart community happenings, click here. Subscribe to the podcast by clicking here. Want to connect with me? Join my exclusive “tribe” by clicking here. Want to collaborate? Click here. Thanks again for listening, reading, and watching!

Welcome to another episode of the Conversations for Financial Professionals podcast where we are shaping the next generation of financial advice.   Today we have Jacqueline Schadeck. Jacqueline, you are a Certified Financial Planner and Accredited Wealth Management Advisor currently practicing in Atlanta, GA at Sherrill, & Hutchins Financial Advisory, Inc. You've also spent time on the FPA of Georgia board and the Kennesaw State University (your alma mater) Black Alumni Society. You are also a recent author of "MONEY PLANNING AND POSITIVITY: A GUIDE TO A BETTER FINANCIAL LIFE". I consider you one of the foremost IG personalities when it comes to someone that is doing it the right way and a role model for not just young planners but all planners.   Today we are going to discuss with Jacqueline as an outsider looking in at a young advisor getting started, your mindset, personal development, engaging on social media, and more! We will also ask Jacqueline about her perspective on the number of women in the financial industry profession, the barriers that they feel, and how to lower the barrier during your initial client meeting!    Show Highlights: How did Jacqueline start her new year, what goals did she make and what changes did she make (3:09) Jacqueline's tips on ramping up your social media visibility (7:57) How to find your voice, but still keep your personal life private (14:27) How to overcome the Imposter Syndrome in the industry (16:23) Jacqueline’s advice on building your firm and career changes (20:44) How Jacqueline navigates the gender dynamics in the industry Jacqueline discusses her book and the four pillars of wealth (37:52) Jacqueline’s word of wisdom (40:16) Resources: Are you a current or aspiring financial professional?  Click here to receive tools that will help you become a next-generation financial professional! Watch a video clip of this episode on our YouTube channel by clicking here. To receive a newsletter digest of Jumpstart community happenings, click here.   Subscribe to the podcast by clicking here. Want to connect with me? Join my exclusive “tribe” by clicking here. Thanks again for listening, reading, and watching!   Conversation Transcript: 00:00:00 Dominique Welcome to conversations for financial professionals, a podcast to help shape the next generation of financial advice. I'm your host, Dominique Henderson and today's conversation is with Miss Jacqueline Schadeck. Jacqueline is a certified financial planner and accredited wealth management advisor currently practicing in Atlanta with Cheryl and Hutchins financial advisory. She is one of those that you will definitely want to jot down some ideas and nuggets from this podcast about finding your voice and holding your ground and financial services. If you look at her Instagram profile, you will immediately know what I'm talking about. She has done so much in this space to really give planners a way to personally brand what you're doing as a financial planner, inside your nine to five, helping clients and showing an aspect of your personal life that helps clients realize that you're a real person. We dive into all types of topics in this conversation, including her own struggle with mental health and being very transparent about how to take care of yourself as a financial professional.  00:01:17 Dominique You won't want to miss this episode in this conversation. You'll definitely leave with takeaways for being able to find your voice and to hold your ground in the financial services profession. Let's go to the conversation. Welcome to another episode of conversations for financial professionals, the podcast where we're shaping the next generation of financial advice. Today we have my friend and colleague Jacqueline Schadeck, Jacqueline. You are a certified financial planner and accredited wealth management advisor currently practicing in the ATL at Sheryl Hutchins financial advisory. You spent some time on the FPA board of Georgia, Kennesaw state university, alum. Also, you are the recent author of money planning and positivity. I also consider you to be one of the foremost IG or Instagram personalities when it comes to someone doing it the right way and just being a role model for young planners. Welcome to the podcast.  00:02:18 Jacqueline Schadeck Hey Dom, it's good to see you again. I'm excited to be here. You got the bio pretty much, all accurate. The fact that I am a dog mom and Mr. President is around here somewhere. So, you may see him. 00:02:37 Dominique Yeah, yeah. Great stuff. Now I can't leave out the furry four legged friends. I have, I hopefully my, Blue won't be barking in the background. I totally know how that is. During client meetings. That seems like when they want to, act up and things of that nature, but cool. I'm glad to have you here. Let me ask you this question right quick, because I know, we just got through in 2020 we're 2021.  00:03:00 Dominique Now what is on the plate for you as far as, do you do any goal setting or vision planning? Like how do you usually start the new year?  00:03:09 Jacqueline Schadeck That's a really good question. How do I start the new year? So I actually, every year write down my goals and it's more of like a forward looking kind of thing to keep me on track. It's not just like my career goals or how much money I want to make, but it's a combination of, I parcel it out. Right. I have like my personal goals to like, what do I personally want to achieve? Like my intrinsic goals for the year. I have like relationship goals and spiritual goals. I write all of that down and I've been doing that for, in the same format since 2016. This is my fifth year and it's been kind of exciting. Actually. I keep the book here with me so I can flip through here. I looked back at my previous years and was like, Oh wow. You know, I did that.  00:04:03 Jacqueline Schadeck I did that. Or, I decided, Hey, that wasn't actually a fit for me. I change up the goal. So, one thing that I do when I set my goals is I actually set a word for the year. The word for this year is focus. I know a lot of times we can get sidetracked by some of the noise out there, especially with social media, where we can kind of get deviated from our purpose. This year, my word of the year is focus.  00:04:35 Dominique No, I love that. I really love that. I picked a word of the year. I haven't really been doing that consistently, but this year for me was all about patients. Not necessarily, not just patients outside of me with others, but patients with myself too, like patients to reach my goals, knowing that I'm where I'm supposed to be and not trying to get ahead of that or any of that kind of thing. So, I love having a word of the year. I think that segues beautifully into, why I asked you on, because, finding your voice and kind of holding your ground in financial services. I know you and I have kind of talked about the, what I would call the overdone subject of, maybe to diversity inclusion and gender equality and things of that nature. I think some of those topics kind of get pulled into what I want you to kind of opine on today because as I'm kind of looking from the outside in, I think a lot of young advisors would see like myself or you or any of our other peers, and I'd be like, it's easy for you guys.  00:05:37 Dominique You guys are, you've been doing it awhile, but maybe kind of speak to like the process of what you just named. Like, you're going back in your journal and you're looking at, Oh, I did that thing. I, I, I figured out this thing or no, that, wasn't a good thing. Like talk about how that has helped Jacqueline find her voice.  00:05:58 Jacqueline So.  00:05:59 Jacqueline The process has not been easy if you've heard me on any other kind of podcast or any other platform talking about my journey I've lately, like in the last year or so, been explaining it as, okay. I said that, this thing happened in my life and it triggered me wanting to be a financial advisor and then boom, here we are CFP. It's just like one linear just journey. I've elaborated on that recently and been like, yeah, it actually wasn't that easy at all. It actually was very, difficult. There was a lot of nights, while I was studying for my CFP that I wasn't able to be social. I had set a goal of, I want to pass the CFP exam on the first time. And, for those in the state of Georgia, the Georgia bar in order to be an attorney actually has a better pass rate than the certified financial planner exam.  00:07:00 Jacqueline  That made me really ancy inside when I was studying for the exam. I was like, I have to do whatever necessary to pass this on the first time, because I cannot go through this again. If anybody has gone through or is considering the Ken's on review course, it's a great review course. I use that in order to pass on the first time, but if you've gone through it, that it's rigorous, it's several months of dedication, which does pay off, he has a really good pass rate. This is not sponsored by the way, but it was very helpful. That process from deciding I want to be a financial planner to actually becoming a financial planner, was difficult. What I wished that I would have had more of at the time was a mentor or something similar to your program that you offer the jumpstart program, which I guess you are in a form of mentor in that program.  00:07:57 Jacqueline And, that would have been really helpful for me to be able to navigate to where I am. I think I could have gotten there quicker, more efficiently. So, I do have a couple of mentors on my own that I talked to and, I tell them these are things that I wish that somebody would have told me earlier. I think that these things could have made the process smoother. Just to share a gem with you guys, you're watching this on some form of social media or listening to it on some kind of a platform. Make sure that as much as you're listening on that platform, that you're also putting into that platform. It's important that you're visible on that platform as well, even if you're not entirely sure you're going to be a financial planner or you're going to be client facing, you never know what benefits are going to come from building a tribe for lack of better words.  00:08:50 Jacqueline Schadeck You have a following, those are people who are buying into what you're showing on that site, right? And so, even if you decide to navigate and go in a different direction, those people who have bought into you as a person and what you stand for, they're still going to follow along with you. That's one of the gems that I like to drop for my mentees is like, Hey, how can we ramp up your visibility and your building of, relationships with other people. I like to share that, but like I said, that process, it went very up and down. And, I think that I found some ways to find myself, to make myself more grounded, such as, keeping track of those goals, such as reaching out to other people, and forms of mentorship and, pursuing additional education. All of those things have helped me along my career.  00:09:43 Dominique Yeah. I want to go back to something you said earlier, because I mean, one of the, so we obviously met, or not obviously, but we met at a financial advisor conference, the quad a, conference. I think it was maybe that year. It was in Atlanta. I can't remember right now, but I think it was, but what I want to bring out is afterwards, I started seeing your IG profile and just to be candid and transparent, like your nonfinancial advisory way of doing stuff on social media is actually what it's inspired. A lot of me coming out of my shell. I think one of the things, and the point I'm trying to make here is I think our industry has really, it's got this really buttoned up side that is pretty polarizing to potential clients. To actually show who you are as a person that you're developing goals as a person that you're doing other things I know that from your IG, I know that you like to play basketball and ride motorcycles like that has nothing to do with being a financial planner, but that's part of Jacqueline, right?  00:10:49 Dominique I think what I, some of the thing I, I tell mentees is that, life makes you living life makes you a better financial planner because you have advice about life and not just the black and white, program. Like the CFP is great as it is, maybe kind of, dig a little, dig deeper. Shane Parris says ,double-click, double-click on this issue of like how you started maybe tangibly developed tangibly, developing some of the, things that are kind of germane to you right now. Maybe you're like running past this, but other people are like, okay, well, wait, I need to have a plan. Like I don't even journal or things like that. Maybe talk about how that started for you or some of the milestones.  00:11:37 Jacqueline Schadeck The social media stuff just happened organically. Honestly, I was seeing a lot of, just, I think people were catching on to like influencers they're catching on to the fact that people, aren't what they show to be on social media, which, I'm obviously like multi-faceted, and there's more dimensions beyond what you see on social media. I was like, okay, I think people were like getting that, like, Jacqueline, you're not just a financial planner. Like you do other things too, whether the other things are really cool, like being a collegiate athlete or riding a motorcycle, there's other stuff that you do hang out with your friends pre COVID, you do have a dog, what kinds of things go on in your life? Like it can't just be financial planning. Like you said, the more life that you do, the more experience you have to share it with people.  00:12:34 Jacqueline  And so it's just a good thing. I think, to share that with the world, part of your story, you don't know who needs to hear that you don't know who's going to get motivation from that. You don't know who's going to snap out of a depression from that. You don't know who's going to be able to overcome the challenges that they're going through by hearing some of your story.  00:12:56 Dominique A good soundbite. I love that. You never know what part of your story people are going to resonate with. Do you use that as, how do I want to say this? Because there's certain limits in our industry as far as compliance is concerned. Like how did you make the decision on what you were going to limit the world to see about you, but still being able to find your voice and still being able to make that mark like you're talking about? Cause it does seem sometimes there could be a fine line depending on the organization you're in.  00:13:28 Jacqueline Yeah, absolutely. It can be a fine line depending on the organization. Just like your own personal beliefs in what you personally want to share with the world. I think a good way to gauge what you're going to set share on social media. If you are a financial advisor or working in an advisory kind of company is I don't share anything that I don't want to sit down with my highest net worth $12 million client and talk about anything I share on there. I'm willing to have a conversation with my, highest priority clients about, so when I made a post in the summertime about mental health and I exposed some of the mental health issues that I went through, some of that, projected me into writing money, planning and positivity, and I share more about why I hone in so deeply on being a positive person and, bringing that out through financial planning.  00:14:27 Jacqueline I, I wouldn't be ashamed to have that conversation with my clients. I think that it's important to keep that in mind, not only do you have compliance, that is a hurdle that you need to jump through, but you also have the fact that like, whatever you put on there is exposed to the world. All of my social media is public, so anybody can see it at any point. I don't put anything on that I wouldn't want to talk about. I also don't do anything in my career or, I try not to do anything in my day-to-day life that I wouldn't want to talk to anybody about that I wouldn't want to own up to. Like you said, our industry is still, I like the term, but boattend up on that, we are still buttoned up and there's not a lot of like breathing room for advisers to be able to share their story or to be able to share stuff on social media.  00:15:21 Jacqueline For those of us that can, we're really winning right now, as you can see Dom, I see you're winning. For those of us that can, we're winning right now. I would like to encourage people to just be on there in any way, shape or form that they are comfortable.  00:15:37 Dominique Yeah. Yeah. Let's go back to, some, maybe some steps that maybe you use personally to kind of lean into that. I know sounds like self-awareness was a big one. Even personal development, you even, I guess I missed the post about, mental health. I mean, that's been a huge thing. Especially in the last 12 months in this country, probably believe, way more cases of that not being talked about versus have been talked about. Maybe you can kind of opine on that just a bit, because I know as a financial professional, one of the things that I struggled with at first was imposter syndrome. It's like, I'm telling people to do this and I'm not really there right now and blah, blah, all the mental garbage that goes on in that maybe you can speak to that for just a second.  00:16:23 Jacqueline Absolutely. Imposter syndrome, that's a good one touch on. I think you will give some of that kind of a feeling when you're first in the industry, like, wow, like I'm telling people with millions of dollars what to do, and I don't have millions of dollars. It's not necessarily, I want you to change your mindset about that as opposed to being an imposter. Just say that you're in preparation for that and you're going through the process. If you talk to any, if you are client facing or you just talk to anybody that's older and has more money, let's say 60 plus ask them their story of how they got it. They either inherited it. They, had some windfalls or they spent time building that up. I mean, there's, I don't know how many other ways there is to get it, but generally they would have spent their entire lifetime building up that money.  00:17:26 Jacqueline The term that I like to use for people is to extend yourself, grace, because you're growing, you're learning your bank account is going to be growing as well, as long as you're taking your own advice. Just know that you're going through the process. I wouldn't consider yourself an imposter, but just that you are working through the process. As far as the mental health goes and like managing that and talking to clients about that, I honestly have learned so much about trauma in the last, like two years. Things that like, I didn't even know. Not even about myself, just about trauma in general. The biggest thing that I've learned is that, trauma doesn't have a timeline. So.  00:18:18 Dominique Unpack that.  00:18:20 Jacqueline Schadeck Yeah. A lot of times we think like, okay, this really bad thing happened to Dom when he was a child and Dom should be over it by now because he's an adult. Well, that's not how trauma works. You're dealing with clients and they say, they may be 70 years old and like, no, I need to keep this amount of money in cash. And, because this happened to me when I was younger and you might be thinking like, Oh my gosh, like that was 50 years ago. It doesn't matter because trauma doesn't have a timeline. Not only do you need to extend yourself, grace, when working on your own issues, you need to extend your client's grace and understand that trauma doesn't have a timeline and that, they may be dealing and working through something, for their entire life. You just have to be cognizant of that and be gentle with that.  00:19:16 Dominique Oh, I love that. I think, I think that's a really good insight. As you were talking, I was thinking about my own practice in my own conversations with clients, because there are money stories that they bring to the table that sometimes, and I learned this earlier on that there's not necessarily my it's not necessarily my job to sit as judge with a right or wrong. It's like they went through these things. We validate the experience we inspect, whether or not that mindset that they've adopted is correct. What about that mindset? Maybe limiting them to reaching their goals. Once you pose it like that, then they're like, Oh, okay, now I have the power to change. It's not like I'm a victim or anything like that. I know often, because of maybe the knowledge that we heap up in our CFP programs or whatever it is, maybe our own baggage, I know it is for me that, they're the first predisposition is to judge when that's not where the client needs to be.  00:20:18 Dominique I love that giving your clients grace, and giving yourself grace too, and stepping back I'm curious, how has your firm helped this process at all? If any? because I know sometimes we're not in the most ideal situations when it comes to let's call it the first two, three, four, five years of your career. How has your firm helped.  00:20:44 Jacqueline  The best advice that I can give when working with your firm on compliance, or any kind of growth oriented kinds of things is I would say, try to do that vetting before you sign on as an employee, because vetting, I did that vetting before I signed on as an employee. I said, Hey, I am into the social media thing. I like to share things there. I like to be vocal. As far as being growth oriented, I knew that I wanted to get another designation. I knew that I wanted to finish my masters. I asked, what kind of support do you provide for that? What's going to be the timing. There going to be any kind of grace on, can I take time for schoolwork, that kind of a thing. I try to do that vetting before I get into that position. Now, if you're already in that position and you're trying to figure out what to do next, it's just important to have that conversation with your supervisor like, Hey, these are my goals.  00:21:46 Jacqueline Schadeck This is what I'm trying to achieve. This is how I want to go about it. Now, if the goals are related to being visible on social media, you of course are just going to have to check with the company's policy. And, you just have to follow a company policy. There's no other way to go about it. Typically what I've been noticing is, more leniency, not necessarily on the broker dealer side, but on the RIA side, more leniency on the social media front, where you can share, financial tips and things like that. Like for me, I just personally would never share actual like investment tips. I would never say, Hey, it's time to go out and buy a Tesla. That's not really where I stand on social media. So, it's just important to figure out what those guidelines are for you. Then, having that conversation with whoever it is that would need to approve that.  00:22:41 Dominique No, I think that's really good wisdom Jacqueline, because I think some especially career changes, I see this a lot, aspiring financial professionals. They're so excited and maybe they've taken my advice. I've watched way too many YouTube videos of Dominique saying, don't worry about how you get in the industry. Just get in. Yes, but it is good to kind of know what you want to have mapped out some of your goals, which is the reason why I think, getting a mentor or having somebody that you can look up to. That's like, Oh, I want to kind of be like them. You can go ask questions of them and their network and be more informed. You're just not jumping into any position. You actually have an idea of where you're trying to go some type of career path. That way you can be more selective about where you land and when you get there, you're not like, Oh, I feel so constricted.  00:23:27 Dominique It's like, well, you didn't really study the environment before you got there. 00:24:30 Dominique I want to touch on something that I caught on a podcast. I don't remember the name of it. I don't remember the address of the podcast, but you were on there. This goes into the topic, about women in financial services. I think the soundbite I caught was basically how you may be interacting with a couple, a husband and a wife. Though the energy that you bring as a female or a woman into that relationship often kind of breaks down the barrier that some men may feel, because let's just be honest men in this industry, whether you're practicing or you're a consumer, you got way too much pride and ego in this thing. There's this way too much bias and being in love with our own opinions. We already know how that works, but maybe you can kind of revisit that topic. If, if in fact you remember what I'm talking about, I think what I'm really kind of coming the angle I'm approaching is the value of a woman's perspective in the financial planning relationship.  00:25:42 Dominique Because what I notice is when we have that husband, wife dynamic, we always have one. That's kinda like the one that does, like the family CFO. Usually when it's the man, he pushes the woman out and makes her like a, an appendage almost. She's not a full partner and I don't know where this comes from, but when it's the flip, I usually see the woman include the man. I think this is just like gender dynamics but let's talk about how you navigate through that. I think this is an interesting topic, to kind of talk about,  00:26:16 Jacqueline  Yeah, I, as soon as you brought that up, I was like, I think we talked about that in our first podcast. Go back and listen to that, but I'm still rooting for women. I still think that we've made better financial advisers. I mean, part of it is that emotional intelligence, that's part of being a financial advisor. You have to have emotional intelligence and you have to obviously have intelligence. With it's because there's always, when you're doing financial planning for clients, there's always an emotionally correct answer. And there's a mathematically correct answer. Two, I think in my opinion to be a good financial planner, you gotta be able to balance both of those with your clients. As far as women being better financial advisors, I think that, like you said, men like want to hear their own opinions. What I was saying was that, part of why women, I think make better financial advisors is because when we are in that a setting where there's a husband or wife, or I'm working with just a male client, there's less of that need to feel like he needs to prove himself as being big, bad, the best investor.  00:27:32 Jacqueline Schadeck He needs to make sure that, Dom doesn't think that he doesn't know what he's talking about because a man always knows what he's talking about. So.  00:27:43 Dominique Is so fragile.  00:27:46 Jacqueline Schadeck Right? So I think because of the emotional intelligence and then just some of that natural womanly nurturing,  00:27:55 Dominique I think you're hitting on some things and this is the reason why I encourage them no matter where they are usually. Cause I tell it, I mean, even 45, 50 year old career change, and I'm saying like, you can still do this. You can still have a lot of impact. This is one of those careers you can do well into your seventies. I mean, think about it from the standpoint, there's just a different angle. There's a different perspective. I'm all about perspective. I, I appreciate and recognize that there are different perspectives, whether I agree with you or not is something totally different, but I will definitely listen to you. I think that's the value in having a difference in opinion, whether we're talking about gender, whether we're talking about race, ethnicity, all these different things, all need to be incorporated into our industry. I'm sorry I jumped on a pedestal.  00:28:42 Dominique Go ahead.  00:28:44 Jacqueline  No, I was going to piggyback on that. I mean, we need to be accepting of other people's choices. It's going to be really hard to be a financial planner. If you cannot accept other people's choices for. It's not that you always agree with them, but you still have to just let people believe and do what they want to do. This has been a politically charged year. So, you've gotta be willing to accept people's choices. You're gonna have political conversations with clients that you're not going to agree with. Are you going to get into a raging argument with them or are you just going to accept their choice for what it is? So speaking to career changes that are older, that story changes. The thing that I think that's so beautiful about being a career changer is that you've had so much experience before. You get to share, I went through this personally, I wish I had known this.  00:29:43 Jacqueline  I would've been so much better off had I done X, Y, and Z. I mean, that's a beautiful thing about being a career changer. One of my business mentors, when I first got into financial planning, this person was not a financial planner. He was like, well, why are you then trying to become a financial planner straight out of college? He was like, go do something else, get some experience and circle back to financial planning later when you have some experience to share. I obviously didn't follow that routes. I had followed my heart, but I think there being a career change later on in life can beautiful.  00:30:20 Dominique No, I think it gets back to that point that we made earlier about, some of, experiencing life riches, enriches the financial advice that you do give because you do have, whether it's, being a parent or, that you've been married a long time or whatever it may being in a career for a long time, developing all the different transferable skills that are there. I think, you made a point earlier that I want to kind of opine on before we, kind of bring this in for a landing, which is, the idea around accepting other people's perspectives. I think the big idea here, and I want to get your opinion on this. I think the big aha for me is that because I listened to somebody or I gave them an audience, because I'm just genuinely curious on how they think doesn't diminish who I am. It doesn't diminish what I stand for.  00:31:13 Dominique Doesn't make me any less of a person. I think that, to me, that's one of the things that I think is one of the reasons that we're so politically charged now. The word that you used earlier is because we're so intimidated by how people think around things. I think as a financial planner, I can't afford to be that way with my clients if I want to deepen the relationship. Would you agree?  00:31:34 Jacqueline Yeah, I would agree wholeheartedly. You know, it's not it's clients. They will say verbatim from their mouth. I know this isn't good. I know you don't agree with this, but blah. I say that they do. They say it and they say, I wouldn't did X, Y, and Z. I know you're not going to be happy about it, but here it is. What do you do? Do you fly off the handle or do you say, Oh, okay, well I'm glad, what I mean?  00:32:04 Dominique That's a bull state I'm usually like, okay. How does that, rework the plan? Like, so what is the implication here? What is the application from what this is Toby? Yeah.  00:32:14 Jacqueline  Yeah. Working with them on that front and being accepting of other people's choices is important. I want people, I want financial planners to practice what they preach and to be free to be themselves. What I mean by that is I don't want you to just put on your financial planner hat and then you're accepting of people then when you're not a financial planner, you're raging flying off the handle. Like it's not okay. I've seen it on social media. I've seen other advisors being attacked on social media for diversity inclusion for some of their views. It's like, why can't we just be accepting of like, that's what works for them. This is what works for me. I want people to have that same kind of a feeling throughout, in one of those podcasts that I think you had soundbite from, they asked me, am I the same positive person in real life that I am on social media?  00:33:13 Jacqueline I just turned the question on them. I said, well, you guys have talked to me off camera. What did you think? And they were like, it was pretty good energy in the room, like, okay, thank you. I want this to be a real genuine thing. I don't want it to just be by a financial planner. Like I want all the black to be positive. That's something that I preach to my mentees is like, don't do things just for your career's sake. Like do things for your own personal growth that you can have flourished through your career.  00:33:44 Dominique No, I love that. I love that. That's the whole idea about just integrity, really right. Being whole, the Person that they see on social media is actually Jacqueline. Now granted, you're not going to see every a to Z thing, but the, what I'm showing you is actually a genuine representation of who I am.  00:34:02 Jacqueline  You wouldn't want to see everything a disease.  00:34:06 Dominique That's with all of us, right? That's about once.  00:34:08 Dominique A day, honestly. So I have to say.  00:34:13 Dominique On, your book, money planning and positivity of guide to a better financial life. I think that really captures the essence of what I wanted to have a conversation with you about, which is finding your voice. Talk about finding your voice with this particular book. Why didn't you write it? What was the kind of the gist behind that? And I know you've alluded to that in the podcast, but kind of give us the, the version of the story that you want everybody to remember.  00:34:40 Jacqueline I'm so glad that you asked Dom. Writing the book, we have talked about the Genesis throughout this podcast. The thing that we didn't talk about is the goal to actually write the book. I would have to go back and double check, but I think it was maybe 2017 that I said, like, these are my 10 year goals. Like I write them down, like these are my long-term goals. I was like, thing, an author would be cute, but author on the list. Author had been on the list for a few years and it hadn't tackled it yet, but I see it every year subsequently. 2020 and everything that happened this year really propelled me into writing the book. I spoke earlier to my own, well, really to the post of my own like mental health issues. You can go back and see on my social media.  00:35:29 Jacqueline  I posted it in August, I believe. Part of that, as well as wanting to be an author and then, shout out to COVID for the lockdown. I wrote the book bearings,  00:35:44 Jacqueline Well, I was locked down in my house. I think this is the first time I've heard a shout out to COVID.  00:35:52 Jacqueline  Other time, shout out to COVID. I told you we're going to flip everything and put a positive spin on it. So thank you for that. COVID forced for me to sit down and actually write the book. And, as I was setting the 10 year goal, I had heard a podcast or YouTube video or something where this motivational speaker, I can't quote them. I don't know who it was, but he said, what if you could accomplish your ten-year goals in six months? And so I set out on a mission to do that in 2019. Some of it got done, some of it didn't, but some of it got done this year, which was the book. Money planning and positivity speaks to what my brand is. A couple of years ago, I had just adapted that kind of tagline. So, as I was trying to figure out what exactly it was that I wanted to write about, I wanted to make sure that, there's no other books in the works, but I wanted to make sure that my first book, possibly my only book, is actually encompassing of what I stand for.  00:36:52 Jacqueline So this is what I stand for. It happens to be a book that works well with my career, but I really wanted to write something about what it is that I believe in. I believe in financial planning, because I know the effects that it has on a family, whether those affects are good or it's absent from planning. And then you see those negative results. I just believe in the power of financial planning for your own wellness. The positivity piece, because, not only have I had my own mental health struggles, but with COVID, I haven't talked to anybody who didn't have any mental health struggles this year and who doesn't regularly have some issues. So, I don't know when we're going to stop calling them mental health issues and just like adulting part of being an adult. All of those things led me to want to write money planning and positivity.  00:37:52 Jacqueline  In the book, I break it down into four pillars of wealth. The first pillar being actually healthy, I had a short stint with COVID, at the beginning of the lockdown where I myself was sick for several weeks. I want to make sure that was included in there. I talk about, of course, financial wealth, social wealth, and time wealth. The book breaks down all four of those pillars that really just hold up your entire life. That's why this is a guide to a better financial life, because I feel like your finances are the heartbeat. So, I really, hope that people find this book enjoyable. I hope it is something that is helpful for your life. It can be found on Amazon. I'm sure we'll link it.  00:38:38 Dominique Yeah. Yeah. Well, we'll give them all the resources that you provided me with too, to get a hold of it. I think this is great. I think, I mean, as I'm just thinking, back on our very first podcast to this one, and hopefully this doesn't say condescending, but know me, as being older, but I just, I'm astounded and impressed by your maturation in this industry, as not only a planner, but as a woman. Kudos to you, hats off to you. You're doing a great job, with what you're doing and for the profession as a whole.  00:39:21 Jacqueline  Thank you. I appreciate it. When that side of launching things, getting things out there, I've had a lot of feedback from your side, and a lot of people have mentioned you during our last, I think there's been a couple of years of knowing each other. I want to commend you as well for your efforts. I know making YouTube videos and podcasts and like all the content and all the ways that you help young advisers get into the profession. I know it's not easy work. Somebody has to do it. I appreciate you for helping propel our profession forward.  00:39:53 Dominique No, no, I appreciate that. I appreciate that. Well, Jacqueline, as this is a podcast, to help empower tomorrow's financial professionals with tools to serve their clients at a deeper and more meaningful level. If you have any word or words of wisdom for tomorrow's financial professional, what would you leave them with?  00:40:16 Jacqueline  I would leave tomorrow's financial professionals with keeping yourself and keep pushing forward.  00:40:24 Dominique Mm. Yeah. I think the message of being able to take care of yourself as a professional speaks volumes, especially what we saw in 2020. I think it, that is, it needs to be underscored in bold and TeleSign because there's no way you can be a good service professional for your clients unless you first take care of yourself. So I love that.  00:40:50 Jacqueline  Absolutely. It's very important that you're not attaching yourself necessarily to a company or to a title, but that you do realize that you are your own brand, especially in this digital era where you can brand yourself. You are your own brand.  00:41:08 Dominique No, that's great. Finding your voice and holding your ground and financial services. Thank you, Jacquelyn Schadeck. 

"There's nothing either good or bad, but thinking that makes it so" William Shakespeare   To this quote I would replace thinking with "the meanings we give them" because it's truly the meanings that create our reality, and the only way we can convey our meanings and thoughts? Through words.   Dive into this episode to learn how you can start to uncover the meanings you hold for things and how to take a step back from "good or bad" to uncover the meanings.   Ready to go deeper? Are you ready to say goodbye to fear and doubt being backseat drivers in your business and fully embrace your wildest goals? Then I invite you to schedule a call to learn what's really holding you back and how I can help get you there faster.   Resources: Are you ready to step into the most fearless version of yourself? I've got a present for you, download the 7 Minutes to Centered audio here to go from fear & doubt to confident and creative, based on science. Your future clients are waiting for you to ditch the fear and doubt, and show up in their lives. Grab the audio now.   -> questions? email me at kai@kaihernandez.com

Welcome to another Q & A episode. This time all about how to gain awareness of your thoughts.   It's simple, but the fact that it's simple somehow makes us think that it isn't worth doing. But this is how I, and clients, have seen massive results! Tune in to figure see if you're truly gaining awareness of your thoughts.   Are you ready to say goodbye to fear and doubt being backseat drivers in your business and fully embrace your wildest goals? Then I invite you to schedule a call to learn what's really holding you back and how I can help get you there faster.   Resources: Are you ready to step into the most fearless version of yourself? I've got a present for you, download the 7 Minutes to Centered audio here to go from fear & doubt to confident and creative, based on science. Your future clients are waiting for you to ditch the fear and doubt, and show up in their lives. Grab the audio now.   -> questions? email me at kai@kaihernandez.com

Ever feel like you've gotta know more *before* you start acting on it? Been there! Dive into this episode to learn how you can actually start taking aligned action right now, and how this is just a narrative your brain has created thinking it's keeping you safe (when really, it's just keeping you playing it small).   Are you ready to say goodbye to fear and doubt being backseat drivers in your business and fully embrace your wildest goals? Then I invite you to schedule a call to learn what's really holding you back and how I can help get you there faster.   Resources: Are you ready to step into the most fearless version of yourself? I've got a present for you, download the 7 Minutes to Centered audio here to go from fear & doubt to confident and creative, based on science. Your future clients are waiting for you to ditch the fear and doubt, and show up in their lives. Grab the audio now.   -> questions? email me at kai@kaihernandez.com

In today's episode Amberlee reflects on the ending of the TV show The Office. Andy Bernard (from The Office) talks about the good ole days at the end of the season. In this podcast, Amberlee shares from her own life and from a perspective of motherhood. Get ready to start enjoying your life right now. You don't have to wait until someday! Resources: Are you ready to join the FREE 5-day Motherhood Challenge? Go to RichLivingOnLess.com/motherhood to get started.Check out my blog post about enjoying each stage of motherhood: https://amberleerich.com/every-season-of-motherhood/ Connect with me: Facebook: www.facebook.com/amberlee.rich Instagram: www.instagram.com/amberlee_rich Be sure you are subscribed and leave a review to this podcast so you won’t miss an episode!

One of the hardest parts of limiting beliefs is that they are so sneaky! They will sit there controlling if you take certain actions, what decisions you make, but they aren't obvious.   In fact, one of the most common phrases I hear is "I didn't even realize I believed that!" Because the beliefs holding us back, are usually layers deep, but there is a way to begin to uncover them, and that's exactly what we dive into today.   Are you ready to say goodbye to fear and doubt being backseat drivers in your business and fully embrace your wildest goals? Then I invite you to schedule a call to learn what's really holding you back and how I can help get you there faster.   Resources: Are you ready to step into the most fearless version of yourself? I've got a present for you, download the 7 Minutes to Centered audio here to go from fear & doubt to confident and creative, based on science. Your future clients are waiting for you to ditch the fear and doubt, and show up in their lives. Grab the audio now.   -> questions? email me at kai@kaihernandez.com

In today's show, Amberlee shares what God has been highlighting to her lately through her Bible reading time. This episode is short and will challenge you to walk into your full inheritance has for you. Resources: Are you ready to save over $17,000 annually? Find out how inside of the Simplified Savings Guide at AmberleeRich.com/savings and use the coupon code AR10 for 10% off.Check out Amberlee’s FREE Money-Saving Download to save on groceries without using coupons.  Go to RichLivingOnLess.com/Groceries.Want to know how Amberlee and her family got out of debt at age 31? Go to richlivingonless.com/31. Are you ready to join the FREE 5-day Motherhood Challenge? Go to RichLivingOnLess.com/motherhood to get started. Connect with me: Facebook: www.facebook.com/amberlee.rich Instagram: www.instagram.com/amberlee_rich Be sure you are subscribed and leave a review to this podcast so you won’t miss an episode!

In today's show, Amberlee talks about her daughter's MIS-C diagnosis. MIS-C is a rare disease that children can get after having COVID-19. In this episode, she walks you through what MIS-C is and what symptoms to look for with your own children. Tune in to listen to what MIS-C is really like and please share this episode to bring more awareness to MIS-C and what to look for. Resources: Are you ready to join the FREE 5-day Motherhood Challenge? Go to RichLivingOnLess.com/motherhood to get started. Connect with me: Facebook: www.facebook.com/amberlee.rich Instagram: www.instagram.com/amberlee_rich Be sure you are subscribed and leave a review to this podcast so you won’t miss an episode!

Meanings are so common nature to us that most of the time, we don't even realize that we are creating meanings, our brain just likes to use meanings as a shortcut to tell us "this is the way it is"   So today we dive into a few experiences I've had recently noticing when meanings are being created and how we can unpack them to find truth.   If you're ready to redefine how you market and what marketing even is, join us live as Rachael Weaver from episode #39 gives an incredible training on finding our own authentic magnetism using human design and copywriting.   Resources: Are you ready to step into the most fearless version of yourself? I've got a present for you, download the 7 Minutes to Centered audio here to go from fear & doubt to confident and creative, based on science. Your future clients are waiting for you to ditch the fear and doubt, and show up in their lives. Grab the audio now.

Welcome to Season 2 of the Rich Living on Less Podcast! In this episode, Amberlee shares some of her own highs and lows of this past year and the lessons she learned. It's so easy to just camp out in negativity about this past year. 2020 has affected us all in some way or another. In this episode, Amberlee challenges listeners to find something that they can be grateful for this past year. Resources: Are you ready to save over $17,000 annually? Find out how inside of the Simplified Savings Guide at AmberleeRich.com/savings and use the coupon code AR10 for 10% off.Check out Amberlee’s FREE Money-Saving Download to save on groceries without using coupons.  Go to RichLivingOnLess.com/Groceries.Want to know how Amberlee and her family got out of debt at age 31? Go to richlivingonless.com/31. Are you ready to join the FREE 5-day Motherhood Challenge? Go to RichLivingOnLess.com/motherhood to get started. Connect with me: Facebook: www.facebook.com/amberlee.rich Instagram: www.instagram.com/amberlee_rich Be sure you are subscribed and leave a review to this podcast so you won’t miss an episode!

I wanted to take you on this really interesting experience I had recently about the battle for control I had with my subconscious mind and what it was like (both the experience and the mind chatter) during the process and how I came out the other side.   Resources: Are you ready to step into the most fearless version of yourself? I've got a present for you, download the 7 Minutes to Centered audio here to go from fear & doubt to confident and creative, based on science. Your future clients are waiting for you to ditch the fear and doubt, and show up in their lives. Grab the audio now.

Ever wonder how to prevent past negative experiences from hindering new opportunities and growth? And what mindset work can help me be more open to perseverance? That's the exact question we are diving into today, and you don't wanna miss it.   Resources: Are you ready to step into the most fearless version of yourself? I've got a present for you, download the 7 Minutes to Centered audio here to go from fear & doubt to confident and creative, based on science. Your future clients are waiting for you to ditch the fear and doubt, and show up in their lives. Grab the audio now. -> Submit your own question for a chance to get featured in a Q&A episode here 

This week is all about CELEBRATION! My book, The Freedom Plan, is two years old, and I couldn’t be prouder. The book was actually created off the back of a best-selling online course. Why? Let’s take a look:What if I told you that you can create your own Freedom Plan? So that you can earn more, work less, and be free? Does that sound too good to be true? Well, it ain’t! There are hundreds of thousands of people out there who’ve gone off and figured out their own route in business and in life, based on what they already know, the skills they already have and more importantly, the lifestyle they desire.I’ve spent years researching this and discovering how different people can achieve these goals. And then I wrote a book about it! So, that’s what we’re looking at today on the UNTAPPED podcast.Before we dive in, it’s important to tell you about a moment in my life that I’ll never forget. I’d developed knowledge about social media in a tech start-up that I’d created. And I realised that I could take all the knowledge I had, and run workshops and courses, and make money from them. I was like, what the what? It meant that I could package everything in my brain, and turn it into a business that I could run from anywhere in the world.I went from running a social media bootcamp, to turning that into an online course. Then creating a toolkit and turning that into an online course, to then piloting the first Freedom Plan Course, turning that into my best performing, multiple six-figure course, and then key parts of it into a No#1 Bestselling book.When you figure out the right combination of revenue streams, that align with your strengths and abilities, that allow you to live and work from anywhere, you have the most amazing amount of freedom and flow. In The Freedom Plan book, I talk about how all of this is possible. Just starting out? No problem. Don’t think you have anything to offer? Incorrect! No accreditation or certification? Who cares. All you need is to be able to teach people something you know, that they want to know. To make the complex simple. It’s not rocket science people!But first, you need to be clear on your best path to monetisation. And that’s exactly what we look at in this episode of UNTAPPED.In this episode we uncover: The TWO main revenue streams, and how to find the one or combo that’s right for youWhat each revenue method looks like and how you can swap between them at any time to suit your freedom planWhat you need to do to find your platform, and MONETISE itHow other people, just like you, are making money and living free by being THEMSELVES (and how can do it by being YOU)What active and residual revenue streams look like, and which one you can smashIf you want to take this a step further and start growing your six figure business with a beautiful community of womxn entrepreneurs, and receive unapologetic coaching, accountability, support and help implementing your vision, join the $10K Club here.I’m still totally jazzed that this podcast is now a video too! So, now, not only can you hear my dulcet tones, you can also SEE MY FACE. :)Are you ready? Let’s dive into just a handful of what I’ve discovered and researched for you! Tune into episode 94 here.Resources:Are you ready to create your own Freedom Plan? Check out this post + video youtu.be/YQHA7IOqtOg where I share nuggets of revenue-building gold from my book, The Freedom Plan!To celebrate two years of my book, The Freedom Plan, you can grab the Kindle version on Amazon for only $0.99c this week. Yup! Crazy, I know.I’m celebrating with a deal every day for the entire week - you can get crazy discounts on courses I’ve created that bring what I teach in the book to life. Head to nataliesisson.com/freedom to see them as they’re revealed!I also have a free E-book, Get Paid to Be You - 10 ways to monetise your knowledge and skills, and make the income and impact you desire. You can get this cute little freebie here.Want to be a $10K Club Queen, and get that 6-figure journey started? Check out all of the details here.A lot of what I talk about in The Freedom Plan book has to do with knowing your value and charging what you’re worth, and I just happen to have done a fabulous podcast recently where I talk about this very thing with Natalie Coombe. Take a listen to crack the code on what it takes to charge what you’re worth and price yourself right.Aaaaand if you’re keen to hear even more about why it’s so important to turn your online course into a book, and how you can do it, listen to this. See acast.com/privacy for privacy and opt-out information.

It's so easy while parenting to just focus on your immediate family, but God calls us to love our neighbors too. In today's episode, I share how we've been able to connect with our neighbors as a whole family even when you have little ones. This episode is packed with simple practical ideas to love on your neighbors without spending much at all. Links in Show: Are you ready to join the FREE 5-day Motherhood Challenge? Go to RichLivingOnLess.com/motherhood to get started. Resources: Are you ready to save over $17,000 annually? Find out how inside of the Simplified Savings Guide at AmberleeRich.com/savings and use the coupon code AR10 for 10% off.Check out Amberlee’s FREE Money-Saving Download to save on groceries without using coupons.  Go to RichLivingOnLess.com/Groceries.The older I've become, the more I have realized that my identity was placed on what others have said to me over the years and not the truth. If you want to know who you really are and who you were made to be, go download my FREE Who I am in Christ Mini-workbook at RichLivingonLess.com/identity. Want to know how Amberlee and her family got out of debt at age 31? Go to richlivingonless.com/31.  Connect with me: Facebook: www.facebook.com/amberlee.rich Instagram: www.instagram.com/amberlee_rich Be sure you are subscribed and leave a review to this podcast so you won’t miss an episode!

Do you know the names of your neighbors? Or anything about them? It's so easy to live our lives in isolation. We can drive into our garage and have the door close right behind us. But God commands us to love our neighbors. And how can we love our neighbors if we don't know them? If you want inspiration and some actionable steps to help you find community, tune into this episode. Plus, next week's episode will continue in on this theme. I'll be talking all about how to get your kids on board with connecting with your neighbors. Resources: Are you ready to save over $17,000 annually? Find out how inside of the Simplified Savings Guide at AmberleeRich.com/savings and use the coupon code AR10 for 10% off.Check out Amberlee’s FREE Money-Saving Download to save on groceries without using coupons.  Go to RichLivingOnLess.com/Groceries.Want to know how Amberlee and her family got out of debt at age 31? Go to richlivingonless.com/31. Are you ready to join the FREE 5-day Motherhood Challenge? Go to RichLivingOnLess.com/motherhood to get started. Connect with me: Facebook: www.facebook.com/amberlee.rich Instagram: www.instagram.com/amberlee_rich Be sure you are subscribed and leave a review to this podcast so you won’t miss an episode!

Do you notice that you're kind to everyone else except yourself? I know I do and I think most people struggle with self-doubt and negative self-talk. And that's why I wanted to talk about this challenging subject. The truth is, what we say to ourselves (even if it is just in our heads) matters. That's why we have to take a deeper look into how we see ourselves. We have to discover our true identity if we want to live an authentic life that God calls us to. It's time to debunk the lies we've been told and the lies we tell ourselves. That's why I created a FREE download to help walk you through what I personally did to help me start seeing myself through God's eyes. Just go to AmberleeRich.com/identity to download the FREE mini-workbook. Links in Today's Episode: Discover your true identity in the FREE Who I am in Christ Mini-Workbook. Go to AmberleeRich.com/identity to download. Resources: Are you ready to save over $17,000 annually? Find out how inside of the Simplified Savings Guide at AmberleeRich.com/savings and use the coupon code AR10 for 10% off.Check out Amberlee’s FREE Money-Saving Download to save on groceries without using coupons.  Go to RichLivingOnLess.com/Groceries.Want to know how Amberlee and her family got out of debt at age 31? Go to richlivingonless.com/31. Are you ready to join the FREE 5-day Motherhood Challenge? Go to RichLivingOnLess.com/motherhood to get started. Connect with me: Facebook: www.facebook.com/amberlee.rich Instagram: www.instagram.com/amberlee_rich Be sure you are subscribed and leave a review to this podcast so you won’t miss an episode!

Do you struggle with being consistent in reading your Bible and praying? If you do, this episode is for you because Amberlee has struggled in both these areas. She'll share with you the method that transformed her motherhood. And if you have a method that is working for you already, tune in and get some new ideas. Links from today’s episode: Are you ready to join the FREE 5-day Motherhood Challenge? Go to RichLivingOnLess.com/motherhood to get started.Read Amberlee's blog post all about prayer journaling here: https://amberleerich.com/prayer-journaling/. You can even get a FREE download showing you the inside of Amberlee's prayer journal. Resources: Are you ready to save over $17,000 annually? Find out how inside of the Simplified Savings Guide at AmberleeRich.com/savings and use the coupon code AR10 for 10% off.Check out Amberlee’s FREE Money-Saving Download to save on groceries without using coupons.  Go to RichLivingOnLess.com/Groceries.Want to know how Amberlee and her family got out of debt at age 31? Go to richlivingonless.com/31.  Connect with me: Facebook: www.facebook.com/amberlee.rich Instagram: www.instagram.com/amberlee_rich Be sure you are subscribed and leave a review to this podcast so you won’t miss an episode!

Motherhood has so many unknowns. Taking care of a tiny human is a GIANT responsibility that most of us aren't prepared for. Amberlee looks back on her own motherhood journey and shares what she has learned along the way. If you're a mother, going to be a mother, want to be a mother, or know a mother, this episode is for you. Be sure you are subscribed and leave a review to this podcast so you won’t miss an episode! Link in Episode: Are you ready to join the FREE 5-day Motherhood Challenge? Go to RichLivingOnLess.com/motherhood to get started. Resources: Are you ready to save over $17,000 annually? Find out how inside of the Simplified Savings Guide at AmberleeRich.com/savings and use the coupon code AR10 for 10% off.Check out Amberlee’s FREE Money-Saving Download to save on groceries without using coupons.  Go to RichLivingOnLess.com/Groceries.Want to know how Amberlee and her family got out of debt at age 31? Go to richlivingonless.com/31.  Connect with me: Facebook: www.facebook.com/amberlee.rich Instagram: www.instagram.com/amberlee_rich

The basic purpose of every business is to make money. But if you want to stand out from the competition, you need to define what your business’s deeper purpose is. Most successful businesses know what that is and it usually goes beyond the desire to make and have more financially.  This week’s podcast episode is Part 1 of a four-part series aimed at the four critical questions that will help you to structure a one-page plan to drive your business. I begin this series with defining the deeper purpose of your company. I’ll cover: Why having a deep business purpose is important, How to craft your purpose statement, with examples from real-life construction companies,  How to use your purpose to guide business decisions.  If you haven’t figured out yet what your business’s deeper purpose is, dive into this episode and get the inspiration you need to take action in crafting your very own purpose statement.  What's Discussed in This Episode: Analogy of cars and business [1:26] Overview of podcast episode [3:29] The 'Why' question [4:36] Deeper purpose keeps you from a life of regret [6:19] Deeper purpose makes you unique and stand out [6:58] Deeper purpose keeps you from a life of grasping [7:12] Deeper purpose leads to fulfillment [7:39] Deeper purpose enables you to make the contribution your business is designed for [7:40] Why having a deep business purpose is important [5:21] Why spending time defining your deep purpose is vital [8:37] The concept of having skin in the game [8:50] Gather your core team [9:20] Bring a facilitator in [10:34] Setting aside time to have a discussion [11:18] Ask the question 'why do we exist?' [11:48] Crafting a deeper purpose is not a marketing or team building exercise [13:38] Don't do it for the approval of others [14:09] How to craft the deep purpose of your business [8:44] Examples of purpose statements from real-life construction companies [15:32] The unique personal aspect of your purpose statement [17:35] Using the deep purpose of your business in your daily decisions [18:04] Authenticity in your purpose statement [20:56] Allow your deeper purpose to drive your business [23:22] Resources: Are you frustrated with the planning meetings that get nowhere? You could benefit from engaging an expert meeting facilitator that knows construction. Here’s what Gregg Hall, President of Tilton-Pacific says about working with Eric: “Eric has a natural ability to drive the conversation where it needs to go. Despite having no prior experience with our company, our culture, or our team, he was able to steer the conversation in the right direction without wasting any time. Rather than telling us what to do, he helped us to solve our own problems just by the questions he asked and the way he facilitated the conversation. I would also add that Eric has a natural gift for bringing out the best in the participants. Everyone was engaged and no one felt restricted in their ability to share openly. His personal communication and leadership style, combined with a solid knowledge of construction, allowed us to accomplish so much more than expected in such a short period of time. It is for these reasons that I consider our time with Eric of  great value and I have no hesitation in recommending Eric Anderton to others who might benefit from a skilled strategic planning facilitator who understands the construction industry.” To chat with Eric about if and how he can help go to his website: www.ericanderton.com/contact  Books mentioned in this episode:  James C. Collins and Jerry I. Porras Built to Last (https://www.amazon.com/Built-Last-Successful-Visionary-Essentials/dp/0060516402)  Patrick Lencioni The Advantage (https://www.amazon.com/Advantage-Organizational-Everything-Business-Lencioni-ebook/dp/B006ORWT3Y)  Verne Harnish Mastering the Rockefeller Habits (https://www.amazon.com/Mastering-Rockefeller-Habits-Increase-Growing/dp/0978774957)    Connect with me on LinkedIn. For more podcast episodes, you may also visit my website. Tune in and subscribe to the Construction Genius: A Leadership Master-Class Podcast on Apple Podcasts, Spotify, and Stitcher. Thank you for tuning in! 

Are you feeling low and you're not sure why? We all go through times when we feel depleted of everything. If you're feeling down, you don't have much energy or something just feels off, this episode is for you. Amberlee shares all about how she was just in a slump and how she got out of it. She walks you through tangible steps on how to get to the other side. Links in Episode: Tune into Episode 16: Are You Taking Care of Yourself here: https://podcasts.apple.com/us/podcast/rich-living-on-less/id1505127954Are you ready to join the FREE 5-day Motherhood Challenge? Go to RichLivingOnLess.com/motherhood to get started. Resources: Are you ready to save over $17,000 annually? Find out how inside of the Simplified Savings Guide at AmberleeRich.com/savings and use the coupon code AR10 for 10% off.Check out Amberlee’s FREE Money-Saving Download to save on groceries without using coupons.  Go to RichLivingOnLess.com/Groceries.Want to know how Amberlee and her family got out of debt at age 31? Go to richlivingonless.com/31.  Connect with me: Facebook: www.facebook.com/amberlee.rich Instagram: www.instagram.com/amberlee_rich

It's finally summer!!! But now what? How can we entertain our kids without spending money hand-over-fist especially since many vacations have been cancelled and places are closed due to Covid. That's why Amberlee shares tons of fun FREE summer activities that your whole family will love. You'll find outside activities and at-home activities that will give you more opportunity for connection. Resources: Are you ready to save over $17,000 annually? Find out how inside of the Simplified Savings Guide at AmberleeRich.com/savings and use the coupon code AR10 for 10% off.Check out Amberlee’s FREE Money-Saving Download to save on groceries without using coupons.  Go to RichLivingOnLess.com/Groceries.Want to know how Amberlee and her family got out of debt at age 31? Go to richlivingonless.com/31. Are you ready to join the FREE 5-day Motherhood Challenge? Go to RichLivingOnLess.com/motherhood to get started. Connect with me: Facebook: www.facebook.com/amberlee.rich Instagram: www.instagram.com/amberlee_rich Be sure you are subscribed and leave a review to this podcast so you won’t miss an episode!

It’s so easy to upgrade your lifestyle and spending when you get a raise or a real job, but it probably isn’t the wisest move.  In today’s episode, Amberlee shares one of the best financial lessons she got from her mom: to live like a college student for as long as possible. If Amberlee and her husband James didn’t follow this advice, who knows what financial mess they would be in today.  They would definitely not be debt-free. This episode is full of encouragement and some tough love to help you get your finances back on track. Resources: Are you ready to save over $17,000 annually? Find out how inside of the Simplified Savings Guide at AmberleeRich.com/savings and use the coupon code AR10 for 10% off.Check out Amberlee’s FREE Money-Saving Download to save on groceries without using coupons.  Go to RichLivingOnLess.com/Groceries.Want to know how Amberlee and her family got out of debt at age 31? Go to richlivingonless.com/31. Are you ready to join the FREE 5-day Motherhood Challenge? Go to RichLivingOnLess.com/motherhood to get started. Connect with me: Facebook: www.facebook.com/amberlee.rich Instagram: www.instagram.com/amberlee_rich Be sure you are subscribed and leave a review to this podcast so you won’t miss an episode!

Minimalism has caught on for good reason. Amberlee Rich will share how minimalism has helped her live a more intentional life, pay off her home, and so much more.  Tune into all seven of the lifestyle benefits Amberlee has experienced since she’s become a minimalist.  If you don’t know what minimalism is or maybe you’ve been into minimalism for years, you’re bound to get new insights from this show. This episode is for anyone who wants to find more freedom in their life (yes, that means YOU!). Resources: Are you ready to save over $17,000 annually? Find out how inside of the Simplified Savings Guide at AmberleeRich.com/savings and use the coupon code AR10 for 10% off.Check out Amberlee’s FREE Money-Saving Download to save on groceries without using coupons. Go to RichLivingOnLess.com/Groceries.Want to start setting goals with your spouse, but you’re not sure where to start? Go to RichLivingOnLess.com/goals for a free download. Want to know how Amberlee and her family got out of debt at age 31? Go to richlivingonless.com/31. Are you ready to join the FREE 5-day Motherhood Challenge? Go to RichLivingOnLess.com/motherhood to get started. Connect with me: Facebook: www.facebook.com/amberlee.rich Instagram: www.instagram.com/amberlee_rich Be sure you are subscribed and leave a review to this podcast so you won’t miss an episode!

We all know children are expensive. In fact, the average costs of raising a child from birth till 17 is $233,610 according to the USDA. Now that’s a lot of money! In today’s episode, Amberlee Rich answers a listener's question. She asked if it is wise to have another child when your financial situation isn’t very good (i.e. debt, student loans, etc.)?   So, if you’re considering starting a family or adding to your family, make sure you tune into this episode. Resources: Are you ready to save over $17,000 annually? Find out how inside of the Simplified Savings Guide at AmberleeRich.com/savings and use the coupon code AR10 for 10% off.Check out Amberlee’s FREE Money-Saving Download to save on groceries without using coupons. Go to RichLivingOnLess.com/Groceries.Want to start setting goals with your spouse, but you’re not sure where to start? Go to RichLivingOnLess.com/goals for a free download. Want to know how Amberlee and her family got out of debt at age 31? Go to richlivingonless.com/31. Are you ready to join the FREE 5-day Motherhood Challenge? Go to RichLivingOnLess.com/motherhood to get started. Connect with me: Facebook: www.facebook.com/amberlee.rich Instagram: www.instagram.com/amberlee_rich Be sure you are subscribed and leave a review to this podcast so you won’t miss an episode!

Reading is such a vital skill that we all want to impart upon our children. But how can you encourage your children to love reading? In today’s episode, Amberlee Rich is joined by her daughter.  They share how they have created a family culture that loves to read. If you want practical tips to encourage reading in your family, listen in!  Plus, you’ll get insights from Amberlee’s almost 6 year-old daughter. Resources: Are you ready to save over $17,000 annually? Find out how inside of the Simplified Savings Guide at AmberleeRich.com/savings and use the coupon code AR10 for 10% off.Check out Amberlee’s FREE Money-Saving Download to save on groceries without using coupons. Go to RichLivingOnLess.com/Groceries.Want to start setting goals with your spouse, but you’re not sure where to start? Go to RichLivingOnLess.com/goals for a free download. Want to know how Amberlee and her family got out of debt at age 31? Go to richlivingonless.com/31. Are you ready to join the FREE 5-day Motherhood Challenge? Go to RichLivingOnLess.com/motherhood to get started. Connect with me: Facebook: www.facebook.com/amberlee.rich Instagram: www.instagram.com/amberlee_rich Be sure you are subscribed and leave a review to this podcast so you won’t miss an episode!

Do you struggle with having stuff that is just too nice or too pretty to use? Maybe you have some China that’s in a box or on display, but it’s never been used. Do you have that perfect dress that is just too nice to wear out? Or maybe you have a fancy beauty product that is just too expensive to use? In today’s episode, Amberlee shares how she has struggled using and enjoying items that were too nice, too expensive, or very special. You’ll be encouraged to stop storing these things and start enjoying them, because you are worth it! Link from today’s episode: Want to know how Amberlee and her family got out of debt at age 31? Go to richlivingonless.com/31.  Do you need an easy solution to help you declutter your closet? Go to https://amberleerich.com/hanger-hack/ Resources: Are you ready to save over $17,000 annually? Find out how inside of the Simplified Savings Guide at AmberleeRich.com/savings and use the coupon code AR10 for 10% off.Check out Amberlee’s FREE Money-Saving Download to save on groceries without using coupons. Go to RichLivingOnLess.com/Groceries.Want to start setting goals with your spouse, but you’re not sure where to start? Go to RichLivingOnLess.com/goals for a free download. Are you ready to join the FREE 5-day Motherhood Challenge? Go to RichLivingOnLess.com/motherhood to get started. Connect with me: Facebook: www.facebook.com/amberlee.rich Instagram: www.instagram.com/amberlee_rich Be sure you are subscribed and leave a review to this podcast so you won’t miss an episode!

When one of my colleagues first suggested that I should interview the CEO and President of Hollman Lockers — I wondered how much is there really to say about lockers? Turns out quite a bit. Join me today for a chat with serial entrepreneur and innovator Travis Hollman. We discuss his leadership style, business as a force for good, and the future of privacy in public spaces.  We will also discuss the mind-boggling use of data and technology in lockers today and ways that leading-edge materials and manufacturing may prove to be useful in preventing or containing the future spread of viruses.    Tips On Business as a Force for Good Find a niche that suits you and learn the success mechanisms of your business. Build a company culture that gives back — Travis shares his own company’s initiatives: Hollman HELPs. Take care of your employees; they are family — Travis shares his approach to employment during COVID-19.   Be a leader, do the right thing and support small businesses around you in any way you can.   “WE HAVE TO LOOK AT BUSINESS AS A FORCE FOR GOOD AND LEADERSHIP.” Karen Tiber Leland, Sterling Marketing Group   About Karen Tiber Leland Karen Tiber Leland is the founder of Sterling Marketing Group, a branding, marketing and color strategy and implementation firm helping CEOs, executives and entrepreneurs develop stronger personal, business, and team brands. Her clients include Cisco, American Express, Marriott Hotels, Apple Computer, LinkedIn and Twitter.   She is also the best-selling author of nine traditionally published business books which have sold over 400,000 copies and been translated into 10 languages. Her most recent book is The Brand Mapping Strategy: Design, Build and Accelerate Your Brand. She regularly writes for Inc.com and Entrepreneur.com and has had articles published in Self, The Los Angeles Times, American Way, The Boston Globe, and many others. Karen has spoken for Harvard, The AMA, Direct Marketing Association and Stanford, among others. She has been interviewed on The Today Show, CNN, CNBC, and Oprah. Get in touch with Karen on Twitter|LinkedIn About Travis Hollman Travis Hollman has been a serial “funpreneur,” businessman, innovator, and philanthropist for more than 20 years. Currently, Travis serves as President and CEO of Hollman Inc., the world’s largest manufacturer of sports, fitness, and office lockers. Hollman’s leading-edge locker and workspace solutions can be found in the locker rooms of the Dallas Cowboys, New Orleans Saints, the Dallas Mavericks, The New York Times, and the J.P. Morgan Chase Park Avenue offices. Long before taking over the family business in 2011, Travis’s products and projects earned recognition on national television and in publications such as Good Morning America, The Today Show, ABC News, USA Today, and Fortune magazine. Travis has always put purpose over profit, showing the world that you can have fun in business and be a source of greater good for the local community. Find out more about Travis and Hollman. Resources Are you looking to firmly establish your CEO or executive brand, expand your influence or become more of a thought leader in your field? Consider my personal brand strategy mapping process and book a 20-minute complimentary phone consultation. For more information about Karen Tiber Leland and Sterling Marketing Group please contact karen@karenleland.com.

Today’s Thought Talk show is about overturning adversity in the workplace. I’m happy to welcome Laura Huang — Associate Professor at Harvard, the author of the new book From Adversity to Advantage. The book is based on her research on interpersonal relationships and implicit bias in entrepreneurship and in the workplace. Tune in for insight on topics ranging from the biases that women should be on the lookout for when pitching projects — and what to do with them, what “Hard work, Plus” and E.D.G.E. could mean for your career, tips and tricks to get a clearer picture of people’s perceptions of you, and why doing business as usual right now might mean the end of some of your longest vendor relationships. In addition, will explore the ramifications of the current coronavirus pandemic crisis as new constraints force adaptation.    Tips For Building Your Edge   When it comes to working in times of adversity, go back to the basics — Determine what your core role is?   Have a clear understanding of how you are perceived and work at flipping those perceptions to your advantage — try the 10 No’s exercise.   Don’t allow first impressions to dominate — be proactive when meeting new people.   Don’t wait for the system to change to take advantage of the opportunities in front of you.   “CREATE YOUR BRAND BY DESIGN RATHER THAN BY DEFAULT” Karen Tiber Leland, Sterling Marketing Group.  About Karen Tiber Leland    Karen Tiber Leland is the founder of Sterling Marketing Group, a branding, marketing and color strategy and implementation firm helping CEO’s, executives and entrepreneurs develop stronger personal, business and team brands. Her clients include: Cisco, American Express, Marriott Hotels, Apple Computer, LinkedIn and Twitter.  She is also the best-selling author of nine traditionally published business books which have sold over 400,000 copies and been translated into 10 languages. Her most recent book is The Brand Mapping Strategy: Design, Build and Accelerate Your Brand. She regularly writes for Inc.com and Entrepreneur.com and has had articles published in Self, The Los Angeles Times, American Way, The Boston Globe, and many others.  Karen has spoken for Harvard, The AMA, Direct Marketing Association and Stanford, among others. She has been interviewed on The Today Show, CNN, CNBC and Oprah. Get in touch with Karen on Twitter|LinkedIn About Laura Huang Laura Huang is a professor at Harvard Business School and has spent her academic career studying interpersonal relationships and implicit bias in entrepreneurship and in the workplace as well as in the investment decisions of financiers such as angel investors and VCs. Her research has been featured in the Financial Times, The Wall Street Journal, USA Today, Forbes, and Nature, and she was named one of the 40 Best Business School Professors Under the Age of 40 by Poets & Quants. She previously held positions in investment banking, consulting, and management for organizations such as Standard Chartered Bank, IBM Global Services, and Johnson & Johnson. Laura received an MS and BSE in electrical engineering, both from Duke University, an MBA from INSEAD, and a Ph.D. from the University of California, Irvine. Support your local bookstores and find your copy of Edge: Turning Adversity into Advantage, by Laura Huang.   Resources Are you concerned about keeping your business on the upswing in these difficult times? Give us a call at Sterling Marketing Group.   For a limited time, we’re offering a 50% discount on Rent My Brain sessions to talk about how bootstrap branding and micro-marketing can be used  to keep your business moving through tough times. For more information about Karen Tiber Leland and Sterling Marketing Group please contact karen@karenleland.com

Bonus Wednesday episode today is on my birth and law of attraction stories! Hope you enjoy!Resources:Are you feeling unfulfilled, overwhelmed or a loss of identity in motherhood? Do you feel unaligned in purpose and passion? Schedule your free, 30 minute breakthrough call and learn how to practice better boundaries and self-love + receive clarity and confidence in your direction of life. https://www.alignwellnessyxe.com/servicesMusic: Lights - SappheirosOthers Ways to Connect with Megan:New Facebook Grouphttps://www.facebook.com/groups/alignwellnessyxe/Instagramhttps://www.instagram.com/alignwellnessyxe/Youtubehttps://www.youtube.com/channel/UCbZXHR3MuVofWWnQ94cz6hgPinterest https://www.pinterest.ca/alignwellnessyxe/pins/Websitehttps://www.alignwellnessyxe.comEmailmegan@alignwellnessyxe.com

Employees or Independent Contractors... do you know the difference?  Many small business owners do not fully understand the difference between the two and hire based on opinions and not fact. However, hiring a team member under the wrong classification can lead to significant fines, fees, and other penalties by the government.  Therefore, I want to ensure that as a small business owner you understand the difference and feel confident that you are hiring the right team member each time. That is why, in this episode, you will learn the basics of the two classifications.  In this episode, you will hear:  What agencies of the government define and monitor the classifications of employees and independent contractors (ICs). (1:38) An overview of what an employee is and what it means for you to own the control of the relationship. (2:45) What ICs really are and how they should interact with your business. (4:10) One of the biggest mistakes I see business owners make when they hire ICs. (5:47) How I was once a misclassified employee and the impact it had on me and the business owner. (6:52) What can happen to you if you misclassify your workers. (11:00) Resources: Are you trying to figure out if your position should be an employee or an independent contractor? The first resource you should check out is the IRS website. View the below links to learn more. If you still are not 100% sure after reviewing the IRS website, it will be in your best interest to consult an employment lawyer.  https://www.irs.gov/businesses/small-businesses-self-employed/independent-contractor-self-employed-or-employee https://www.irs.gov/newsroom/understanding-employee-vs-contractor-designation https://www.irs.gov/newsroom/employee-or-independent-contractor-know-the-rules   Next Steps: Do you want support and encouragement as you hire and lead your perfect-fit team? Join the Growing Your Team Facebook community! With the support of Jamie and other small business owners, you can grow a business that’s bigger than you!   Subscribe and Review: Have you subscribed to the Growing Your Team podcast yet? If not, subscribe today so you never miss a future episode. I have so much information to share with you. Plus, I have a long line of guests who you will not want to miss! Also, if you have not done so yet, please leave a review! By leaving a review, you help other small business owners find this podcast and give them the knowledge to grow and lead their team members.

In this week's episode, Nancy, Misty, and Kathryn reflect with Kevin Moore (@MrMooreGeo), and our conversation begins with a discussion about heteronormative privilege. Kevin also shares ways educators can step in to support LGBTQ+ colleagues and students.  Kevin's article The Invisible Knapsack Revisited: Being a Gay Teacher in a World of Heterosexual Privilege will be published in The Multicultural Perspectives Journal.  Resources: Are you familiar with ENDA, now the Equality Act? Check out the 2019 Rainbow List for LGBTQ books for children and teens. Explore educator resources on GLSEN (Gay Lesbian Straight Educator Network). To Diversify Your Feed: Joe Tong (@teachertong) & his #100daysofQueer GIFs  EduPrideAlliance (@EdPrideAlliance) and #TeachPride   Jed Dearybury (@mrdearybury) One Teacher in Ten in the New Millenium: LGBT Educators Speak Out About What's Gotten Better . . . and What Hasn't book Queer America podcast from Teaching Tolerance LGBTQ+ Resources from Teaching Tolerance Beyond the Letters podcast from Heinemann Publishers

Before we begin I want to clear up something about last week's podcast. I randomly mentioned something going on with Popcorn's ear. He has a papilloma virus or ear plaque, but it's improving dramatically. In this episode, I'm going to explain the first communication I developed during groundwork. I'm also going to talk about the difference between leading versus drawing. In my final segment with Dr. Monty, we answer a listener question about increasing exercise tolerance versus overworking. Show Notes: [02:45] When someone brings a horse in for a lesson some of the first things I want to know include can I get this horse out of my space and can I get it to face me. [05:40] Horses that are in your space need to learn how to back out of your space. You can make your arms big or tap on the knee. [07:26] I do a lot of my work on a lunge line. [08:43] When a horse is on the line, I want to keep them out of my space and ask them to turn and face me. With this, I no longer feel crowded and the horse is facing me. [09:45] If you watch the video in my first email newsletter, you will see an example of Popcorn and two younger horses deciding who is going to back out of the space.  [11:15] When horses interact, and they have a lot of respect for each other, they have a bigger bubble. [12:18] Some will jockey for space and some kick and some bite.  [12:56] Observe the language that you see your horses using when they interact with each other. [13:06] Can I keep the horse out of my space at least four feet out? Is the horse facing me? Am I able to send this horse to the left or the right? [14:04] Communication gets more subtle. Body language is big in the beginning.  [15:04] Use big animated body language when first working with a horse. The end goal is to get the communication really refined. [16:31] I'll have the owner stand in a hula hoop and see if they can back the horse out of their space. [17:05] These are some of the things to think about when it comes to the horses body.  [18:08] At the beginning, I use drawing them in more than leading. I usually lead the horse from the side, so it's not pulling directly against me. [20:06] Your body has so much power to communicate. Dr. Monty Answers a Listener Question About Increasing Exercise Tolerance Versus Overworking [25:20] Where is the line between over practicing and keeping a rhythm? [26:23] Look how the horse is breathing and how the horse is sweating. You can tell how a horse is doing by watching respiration and sweat. Also think how healthy a horses joints are.  [28:00] Exercise your horse three to five times a week and start easy with a trot before going into canter work. It takes two to three weeks for a horse to increase strength and endurance.  Links and Resources: Are ear plaques better left alone? Stacy Westfall YouTube Equithrive tell them Stacy sent you.  Have you ever wondered what a live version of this podcast would be like?I’m hosting some live, online video calls that are like a live version of this podcast. I teach on a subject, answer questions and for those who are brave, I’ll turn your video on live too and you can join me for a conversation! If you want to learn more about this you can visit https://stacywestfall.com/live/ for more information!

Do you ever wonder why you keep making the same mistakes with money? I want to shed some light on your personality type so you can make real progress! In this episode, you’ll learn: Whether you’re a Spender or a Saver and whether you’re a Nerd or a Free Spirit—and how to avoid pitfalls for each type All about my favorite personality typing system, the Enneagram, from Enneagram expert and author Ian Cron How to gain self-awareness and use your personality type to win with money Resources: Are you a Nerd or a Free Spirit? Ian Cron’s Typology Podcast Ian Cron’s Enneagram Assessment My Facebook Group

All parenting is difficult, but when you add in divorce, the challenge multiplies. Staying connected is harder than ever, and fragile and shifting co-parenting structures and relationships put pressure on everyone. Navigating even the most routine parental responsibilities can become difficult. This episode brings help and hope to those parents who may be struggling. Show Notes and Resources Are children you know angry, hurt, and confused about their parent's separation or divorce? Check out Divorce Care 4 Kids and how they can help. https://www.dc4k.org/ To learn more and register for the Summit on Stepfamily Ministry visit: https://www.summitonstepfamilies.com/ Linda Ranson Jacobs new book The Single Parent. https://www.christianbook.com/the-single-parent-confident-and-successful/linda-jacobs/9780764232848/pd/232848 Visit FamilyLife Blended® online for articles, videos, resources, for blended families. https://www.FamilyLife.com/blended

Should You Trademark Your Business Name? Episode 26 - This is a replay of an interview that I did on another podcast I produce called Business In Real Life. Our guest is an intellectual property attorney and the information was great for business owners. Since you, the business of insurance podcast listener might be working with other business owners, or you might be a business owner yourself, I thought I would share the episode here. It’s so important to understand why intellectual property needs to be protected and why it needs to be done correctly. You’ve heard me say this more than one, but position yourself as an advisor to your clients. And as an advisor, it’s important to know about IP law. How insurance protects and doesn’t protect, although we don’t discuss the insurance aspect here. In the beginning of the recording, I talk about some real cases. Make sure your clients aren’t making the same mistakes. If you are an agent looking to create content, this is a topic not a lot of people are talking about, but it’s really important! Radiance Harris has been practicing IP law for nearly a decade. She is different than many attorneys because her pricing is based on packages. Decide what you need and you can see on her website what it will cost you. It’s a unique model for a law firm and we talk about why she set up her practice this way as well. QUESTIONS WE ASK RADIANCE What is intellectual property? Why does a company need to protect their IP What happens if a company just puts a ™ after their content? How likely is a business to be sued if they violate a trademark or copyright? RESOURCES Are you interested in learning more about Select Business Team? Check out where we have teams.  If we don’t have one in your area, we can help you start one in your area. Give us a call to discuss further at 301-996-2328 or schedule a meeting on our calendar Click here to access calendar   ABOUT OUR GUEST - RADIANCE HARRIS Radiance Harris is the founder of Radiance IP Law. Her firm specializes in protecting intellectual property. Connect with Radiance: Radiance IP Law Website Facebook Twitter - @radianceharris Instagram - @radianceharris ABOUT THE HOST This episode of the Business of Insurance is produced and hosted by Debbie DeChambeau, CIC, AAI, CPIA. Debbie is an insurance agent with an extensive business and marketing background. Her focus is helping insurance professionals be more successful. She is the co-author of Renewable Referrals and hosts two other podcasts  Business In Real Life  and Divorce Exposed. Connect with Debbie on LinkedIn, Twitter or Instagram.

A huge turning point in my health and weight loss journey was getting out of debt. I know that might seem weird, but it's true. The lessons I learned while getting out of debt taught me so much about health, fitness and even starting a business. For example: the little things do matter when you're getting out. The $2 coffee matters. The little things can get you into big trouble. Alternatively, they can transform your life for the better. In today's episode, having just celebrated 4 years in business, I'm sharing 4 lessons I learned in business that are actively improving my life every day! I hope you enjoy them! https://primalpotential.com/502 Resources: Are you new to Thrive Market? Register via thrivemarket.com/primalpotential so you will save an extra 25% on your first order and get a free 30-day trial membership. Follow me on Instagram 295: Billion Dollar Life Lessons From Ray Dalio 019: What Paying Down Debt Taught Me About Weight Loss 053: Soy Story

Episode 23: Special Parent's Edition Ft. Mentors from MIT / NYU Stern Featuring: Danielle Espinosa (MIT) & Gabriel Mejia Ruiz (NYU Stern) Mentor Bios: In this special episode, the PARENTS of the Student-Tutor Mastermind members get to ask their burning questions and get advice from tutors with ELITE college experience! Danielle is a prior MIT student, as well as one of one of Student-Tutor's elite academic & SAT/ACT prep tutors! A mentor with worldly experience, Danielle recently returned from an extended visit to India! With tutoring success dating back to her high school years, Danielle knows what it takes to get the job done... and how to go about getting into TOP schools like MIT (#5 Nationally)! Gabriel is one of Student-Tutor's elite academic & SAT/ACT prep tutors, and is currently attending New York University's Stern Business School - one of the finest in the nation (#13 Business School, Nationally)! In addition to attending class and tutoring, he's also a member of the NYU fencing team and the Colombian national fencing team! Gabriel brings a lot of energy and excitement to his work! He’s passionate, and always goes above and beyond when it comes to helping his community!! Show Notes: [1:55] - Todd Intro. [3:00] - Meet This Week's Guests! [3:20] - What They Wish They Knew BEFORE Going to College! [10:55] - What FALSE or Misleading Advice Did They Receive Leading up to College? [18:22] - College, Scholarship, and Career Tips for 8th-Grade Students! [26:05] - A Word From the Mastermind Community! [28:00] - Questions From the Mastermind Parents! [43:50] - Todd's Highlight From This Episode! [45:05] - Outro. Mentor's Key Points: Get Started EARLY! As early as 8th grade, start exploring careers, internships, and other opportunities to learn more about yourself and the potential path you'd like to pursue! Understand the different factors that play a part in your college, scholarship, and career success, then execute a strategy based on your unique goals! Choose Your Classes and Extracurriculars WISELY! Instead of doing as many different things as you can, do one or two things EXCEPTIONALLY! Find a club you love and help take it to the next level, be the captain of your sports team and lead your team to a championship victory, get an internship at a reputable company, or, try embarking on your own entrepreneurial venture! Parents and Students Should BOTH Be Prepared for the College Transition! After students leave for college, a lot of their actions will be their own responsibility! Parents can still provide love, support, and the occasional care-package, but it's important for students to get exposure to being apart and holding themselves accountable. Traveling sports teams / clubs / etc. is a great way to do this! Resources: Are you interested in learning more and joining our community of proactive teens and parents for FREE? Step 1: Join our FREE college prep, scholarship, and career guidance Facebook group! CLICK HERE TO JOIN! Step 2: Register for our next FREE webinar to learn how to save thousands + set your teenager up career, college, and scholarship success! CLICK HERE TO JOIN!   -- The Mentors 4 Teens: College, Scholarship, and Career Guidance Podcast Copyright © 2018 by Student Tutor Produced by: Todd VanDuzer & Cody Mack Recording by: Todd VanDuzer Music & Editing: Cody Mack Sponsorship & Interview Requests: podcast@student-tutor.com  

Marriage has become a joke. For instance, there is a woman named Erika who is married to the Eiffel Tower. A Japanese man who is married to a video game character, and a Swedish woman who has been married to the Berlin Wall for the past 30 years. There is a woman married to a rollercoaster and a man married to his pillow. And there are several people, unable to find true love, who have just married themselves. Marriage has become a joke for many. But not for God. And I hope, not for you. Takeaway Marriage is a very serious agreement between a man, a woman, and God.  Definition "Marriage is an exclusive heterosexual covenant between one man and one woman, ordained and sealed by God, preceded by a public leaving of parents, consummated in sexual union, issuing in a permanent mutually supportive partnership, and normally crowned by the gift of children." (John R. W. Stott, Marriage and Divorce) Witness Genesis 2:22-24 God acts as the witness as Adam declares his love for Eve. God is the witness to all valid marriages. Officiant Matthew 19:4-6 God joins together all valid marriages. Marriage is sacred because it involves God. Permanent Matthew 19:6; Genesis 2:24; Ruth 1:14 Marriage is an inseparable union.  God created marriage but man created divorce. Closing Thoughts Maybe your marriage is on shaky ground. Maybe you and your spouse are struggling. There is hope at your local Bible believing church. If you already attend, then sit down with the pastor and try to work things out. If you do not currently attend a church, ask your spouse to go with you to find a church where the Bible is taught. And once you find such a church, make an appointment with the pastor. He will be glad to help you. Years ago you made a covenant with your spouse. You made a covenant to love your spouse unconditionally until death do you part. You made this covenant before God. And it was God who married you. Do not turn your back on this covenant. You may not know this, but couples who regularly attend a church are 35 percent less likely to divorce than those who do not attend at all. However here is another number. Couples who attend church once and a while, say only on Easter and Christmas, are 20 percent more likely to divorce than those who do not attend at all. I want to let you into a little secret. Attendance has nothing to do with it. It is all about the heart. The Bible tells us that the heart, left alone is sinful. And there is no hope for it, for you, and for your relationships. But those who put their trust in Jesus are given a new heart. And it is that heart that responds to God and His leading. Having a successful marriage is not related to attendance it is related to having a new heart. And God wants to give you this new heart. Romans 3:11 says, "There is none who understands; there is none who seeks after God." If you are thinking about a relationship with God, it is because God is calling you. God is seeking you. God is drawing you to Himself. Now, it’s your turn. Believe on Jesus Christ, God the Son. Believe He died for your sins. Turn from your sinful ways and turn to Jesus. Call on Jesus to save you. If you believed on Jesus and also happen to be married, tell your spouse what you just did. Explain to them your decision to believe on Jesus.  And then ask them to believe as well. Sign Up & Subscribe Remember to review, like and share the podcast. This helps spread the good news of Jesus around the world. Sign up for our show notes. When you sign up, you receive an email notification and a copy of the show notes whenever a new episode is released. Just CLICK HERE and sign up today! The best way to listen is to subscribe on Apple Podcasts, Google Play, Stitcher Radio, TuneIn, iHeartRadio, or just about any podcast app. If you live in a country that tries to block Christian podcasts, here is a link to our RSS feed. You may be able to use our RSS to get the podcast. Finally, feel free to contact us with any question. You can contact us by clicking HERE or going to www.wakefieldbible.org/contact-us/. I would especially love to hear from you if you have believed on Jesus. Resources Are the Seven Catholic Sacraments Biblical? Fact Checker: Divorce Rate Among Christians.

Why do we at DoorGrow do what we do? In this episode you’ll hear an interview with Sterling Davis, a property manager who saw his 60 door business grow to 300 doors in just six months after investing in our Seed Package. You'll Learn... [3:00] How Sterling Davis first got into contact with DoorGrow and why [5:40] “If you’re serious, you’ll pay it”: Why investing in his business motivated Sterling [9:30] Creating a brand to sell with the right tools [12:45] The results Sterling achieved in his first 6 months [13:25] Portfolio and monthly revenue breakdown [16:30] Life after the Seed Package: Marriage, business, and finances [18:15] What would business be like without the Seed package? [19:15] Sterling’s thoughts on the value of following the Seed Package and getting used to being uncomfortable [23:50] Breaking down what’s included in the Seed Package and what benefits you can expect from following it Tweetables I’m not here to be a property manager. I’m here to get my doors up and make money. Successful Coachable Mindset: You’re the coach, I’m the player, let’s do this. How can you expect anyone to value your business and invest in it, if you’re not willing to? Our goal isn’t just to make money from people. We’re in the business of making a difference. Resources Are you serious about growing your property management business? Check out our Seed Package, the ultimate foundation for property management growth.

Welcome back. Today we’re talking about the soft skills you need to develop to be a successful attorney. It shouldn’t be shocking to learn that law school doesn’t totally prepare you to be a successful lawyer. Sure, you learn useful skills like legal writing and legal analysis, but building a practice (and a book of business) requires other skills. Some law schools are getting better at offering opportunities for students to gain these skills, but ultimately it's up to you to make sure you're fully ready to practice. Tune in to find out which soft skills are important and how to develop them.  In this episode we discuss: The types of soft skills that tend to make you a successful attorney, regardless of your practice area Why lawyers need to understand how business works (even in public interest organizations) How to work on your business skills How to deal with clients Developing an elevator pitch Tips for public speaking How to communicate effectively with others in the legal workplace Using law school to build these skills Why technological literacy matters to attorneys The value of knowing another language Why you should work on your leadership skills Should you include these soft skills on your resume?  Resources Are you emotionally Intelligent? 5 Soft Skills to Show Off in Your Summer Law Job (http://lawschooltoolbox.com/are-you-emotionally-intelligent-5-soft-skills-to-show-off-in-your-summer-law-job/) You Are a Lawyer Already: Practice Management (http://lawschooltoolbox.com/lawyer-already-practice-management/) Building the 21st Century Lawyer (podcast) (http://lawschooltoolbox.com/podcast-episode-69/) How to Behave like a Professional in the Legal Workplace (podcast) (http://lawschooltoolbox.com/podcast-episode-25-behave-like-professional-legal-workplace/) If you enjoy the podcast, we'd love a nice review and/or rating on iTunes. And feel free to reach out to us directly. You can always reach us via the contact form on the Law School Toolbox website (http://lawschooltoolbox.com/contact). Thanks for listening! Alison & Lee