Upcoming Event!How Can Mindfulness Give You a More Abundant Retirement?Are you ready to let go of anxiety and find the peace of mind you seek as you prepare for your golden years? Your Answer Lies in These 5 Critical Retirement Questions: Am I on track for financial independence?What do I need to do to get on track?How do I design a mindful investing portfolio?How do I manage that portfolio and my income over time through changing markets?How do I prepare non-financially for retirement? What are the dominant variables in a happy retirement?Learn more: https://courses.mindful.money/mindful-retirement-review-workshop/Jason Scott Montoya is a lifelong entrepreneur, not surprising as he’s come from four previous generations of entrepreneurs. Jason grows their online influence & program sales for people development-oriented organizations. He is guided by his values of love, mindfulness, mastery, dependability, and openness. Today, Jason joins the show to discuss his journey from entrepreneurship to freelancing, the importance of meeting people where they are, and the incredible value that entrepreneurship can bring to your life. Jason and Jonathan talk about cutting out the noise, what Jason misses the most about running a team, and what the transition was like going from running a business to becoming a full-time freelancer.📺 Watch on YouTubehttps://youtu.be/nEhV_v5sxw0Key Takeaways00:51 – Jonathan introduces today’s guest, Jason Montoya, who joins the show to share his experience as a fifth generation entrepreneur and being open about discussing money09:11 – Early financial lessons imparted on Jason15:08 – Jason’s career arc18:38 – The importance of fully committing21:44 – Defining ‘freelancing’ and the transition from business owner to freelancing31:20 – Considering entrepreneurship as a path36:52 – The Jump: a letter to Jason’s younger self40:07 – What Jason misses about running a team43:04 – One piece of business advice to heed and one thing to completely ignore46:20 – The last thing Jason changed his mind about and the one question Jason would like to know the answer to49:52 – Jonathan thanks Jason for joining the show today and lets listeners know where to connect with himTweetable Quotes“Entrepreneurialism was always something in me, and just my personality of being highly extroverted and ambitious, and just having a safe and loving home, community, family, and church life. It just gave me that safe space to dream big and go after it.” (04:38) (Jason)“Money is a vehicle for some destination. And I think, for many people, they lose sight of that and make it about the money itself.” (12:48) (Jason)“If I’m gonna do this - and I’m gonna do it right, and I’m gonna steward this business well - it’s gonna be really hard. And so, if I’m going to do something really hard like that, I gotta be fully committed to it.” (18:38) (Jason)“One of the things I ask freelancers to try to figure out if they are fully committed - and it’s a key question that you need to ask yourself - ‘if your bank account was empty, and you didn’t have any work in front of you, is your first thought: ‘Where am I gonna get my next project?’ or is it, ‘I need to get a job?’ Because if you’re fully committed, you’re looking for next project.” (20:03) (Jason)“As a freelancer, there’s benefits and downsides to being independent. We have the freedom to be independent, but the downside is we’re in the fire. We are the...

Upcoming Event!How Can Mindfulness Give You a More Abundant Retirement?Are you ready to let go of anxiety and find the peace of mind you seek as you prepare for your golden years? Your Answer Lies in These 5 Critical Retirement Questions: Am I on track for financial independence?What do I need to do to get on track?How do I design a mindful investing portfolio?How do I manage that portfolio and my income over time through changing markets?How do I prepare non-financially for retirement? What are the dominant variables in a happy retirement?Learn more: https://courses.mindful.money/mindful-retirement-review-workshop/Paul Montoy-Wilson is an entrepreneur with a vision of helping people with their relationship to money and their personal money mindsets. Paul developed and launched Allo, a financial wellness app that focuses on mindful money practices. Today, Paul joins the show to discuss his personal and financial values, the relationship between spending and happiness and the importance of becoming aware of how we spend and save our money. Paul and Jonathan talk about the psychology of money as well as how the Allo app is helping others improve their financial well-being.📺 Watch on YouTubehttps://youtu.be/ouojnn7Sa_YKey Takeaways00:54 – Jonathan introduces today’s guest, Paul Montoy-Wilson, who joins the show to talk about his personal and financial values, what he learned about entrepreneurship at a young age, and what inspired him to launch Allo11:31 – How Paul shifted his own money mindset13:05 – The relationship between spending and happiness15:52 – Becoming aware of our values21:03 – How Allo works26:14 – Money in relationships29:41 – Paul speculates on the future of Allo and exciting new tools he would like to pursue31:49 – One piece of investment advice to heed and one thing to completely ignore35:48 – The last thing Paul changed his mind about and Paul’s idea of a ‘perfect’ day39:04 – Jonathan thanks Paul for joining the show today and lets listeners know where to connect with himTweetable Quotes“What apps can do, which is great, is they make things much more accessible to a lot more people, and they help build habits. And so, I think that’s what we’re excited about with Allo. We’re trying to help people build a positive habit around their financial well being.” (10:31) (Paul) “When you have money to spend - when you’re able to use it in a way in accordance with your values - you’re happier. And it’s one way in our capitalist culture that you’re able to articulate what your values are. And so, one of those ways is being generous. When you give money to others, you feel great. And that’s true in my own life. But there’s a hesitancy, I think in general, when you feel like you don’t have enough to give.” (14:08) (Paul) “The point of the app is to effectively look at these different areas of your life asking yourself, ‘What’s important to me in each of these areas?’ And then, sort of a secondary question is, ‘How is my spending reflected in these values and can I make a change in how I’m spending my money to be more congruent with these different values?’” (17:12) (Paul) “The core of the app is really around awareness. The point is not to optimize your net worth. The point is not to tag everything. The point is not to flag everything, it’s just to be aware.” (22:15) (Paul) “The majority stressor, for the majority of us, is our finances.” (24:17) (Paul) “One of the value categories that we...

Upcoming Event!How Can Mindfulness Give You a More Abundant Retirement?Are you ready to let go of anxiety and find the peace of mind you seek as you prepare for your golden years? Your Answer Lies in These 5 Critical Retirement Questions: Am I on track for financial independence?What do I need to do to get on track?How do I design a mindful investing portfolio?How do I manage that portfolio and my income over time through changing markets?How do I prepare non-financially for retirement? What are the dominant variables in a happy retirement?Learn more: https://courses.mindful.money/mindful-retirement-review-workshop/Gil Baumgarten is a disruptive wealth management pioneer. After battling UBS in defense of 100% ETF portfolios, a direct assault on the firm’s fee-rich mutual fund business, he was on the original beta-test team of six advisors permitted to run discretionary ETF portfolios in 2002. He has since been named one of the “Top-20 ETF Thought Leaders in the U.S.” by Barron’s and The Wall Street Journal . Gil’s fee-only fiduciary firm, Segment Wealth Management, is a top-15 firm in Houston as ranked by the Houston Business Journal . Gil is perennially named a top-50 advisor in Texas by Barron’s , out of the state’s estimated 26,002 registrants. Gil is also the best- selling author of FOOLISH: How Investors Get Worked Up and Worked Over by the System. Today, Gil joins the show to discuss his background in the financial services industry, the difference between fiduciary and non-fiduciary standards, and the psychology behind investing.📺 Watch on YouTubehttps://youtu.be/WJ-c7TCG-TUKey Takeaways00:57 – Jonathan introduces today’s guest, Gil Baumgarten, who joins the show to talk about financial trauma, share his experience in the financial services industry, and why he decided to pivot08:39 – Leaving to start his own firm10:50 – Gil talks about his book, FOOLISH:How Investors Get Worked Up and Worked Over by the System13:10 – The Slaughterhouse Example16:29 – Breaking into the brokerage industry and the major players out there23:41 – The fiduciary and non-fiduciary standards and recent legislation27:18 – Performance and return on investment35:01 – Investor psychology and ‘cognitive bias’42:29 – One piece of investment advice to heed and one thing to completely ignore50:07 – The last thing Gil changed his mind about and the one question he would like to know the answer to51:37 – Jonathan thanks Gil for joining the show today and lets listeners know where to connect with himTweetable Quotes“They say that you’ll stay in a situation until the pain of leaving is less than the pain of staying. And, so I kinda reached that point with touch-point after touch-point that I was getting in conflict over some issue with the firm. It was always about what was best for the client. And I just had enough and decided I wasn’t going to do it anymore.” (08:50) (Gil)“When you start to dissect the brokerage industry, they understand how sticky the relationship is between the advisor and the client. And they will position themselves in such a way to monetize that. They will sell information. They will sell order flow. They know that you’re going to stick with a mutual fund for a certain period of time. They also know that clients like for fees to be hidden from them. They like to understand that people in the brokerage industry are getting paid; they just don’t want to see it.” (13:52) (Gil)“Anybody in the world can give you...

Upcoming Event!How Can Mindfulness Give You a More Abundant Retirement?Are you ready to let go of anxiety and find the peace of mind you seek as you prepare for your golden years? Your Answer Lies in These 5 Critical Retirement Questions: Am I on track for financial independence?What do I need to do to get on track?How do I design a mindful investing portfolio?How do I manage that portfolio and my income over time through changing markets?How do I prepare non-financially for retirement? What are the dominant variables in a happy retirement?Learn more: https://courses.mindful.money/mindful-retirement-review-workshop/Scott Jacobs has been a financial advisor for twenty-eight years. He’s done this work with lots of clients who have privately held businesses, pre-IPO stock, options, and RSUs. Prior to joining EP Wealth Advisors in 2021, Scott worked for a number of the largest Wall Street firms, including UBS, Prudential and Wells Fargo. He’s been serving LGBTQ families, technology employees and small business owner clients since his days at PaineWebber in 1994. Scott loves educating the public in a way that’s down to earth and jargon-free. Today, Scott and Jonathan discuss what the modern-day financial advisor does, the difference between an advisor and a fiduciary, questions to ask a prospective financial advisor, and best practices for correcting bad financial behaviors.📺 Watch on YouTubehttps://youtu.be/IWsdzeCiXckKey Takeaways00:58 – Jonathan introduces today’s guest, Scott Jacobs, who joins the show to share early money lessons and experiences that impacted his money story07:16 – Scott expounds on his career trajectory10:34 – The shift from financial products to financial planning12:20 – The modern-day financial advisor and skills that they bring to the table today14:37 – Needs versus wants17:53 – Who needs a financial advisor and who does not19:38 – Three questions to ask a prospective financial advisor22:53 – One piece of financial advice to heed and one thing to completely ignore29:27 – The last thing Scott changed his mind about and one thing Scott would like others to know about him31:44 – Jonathan thanks Scott for joining the show today and lets listeners know where to connect with himTweetable Quotes“My father taught me two things. One, you do not judge a man, women, they, or them by the house they are in, because it could be owned 95% by the bank. And, two, you do not judge somebody by the car that they drive because it could be a lease that’s their entire income for the month.” (03:14) (Scott)“One of the nicest gifts our father gave me and my sister was that we came out of college with no debt. And I think that’s powerful. I meet people now that are four, five, six hundred thousand dollars of debt, which sounds like a mortgage but it’s not; it’s law school debt. He did a great job of giving us this incredible education without us having these bills.” (06:37) (Scott)“Looking at and analyzing assisted living, and the pricing of such, and how that impacts someone’s long term financial plans. You’re bringing in strategic partners that are doing estate planning that are doing tax planning, things like Roth conversions, things that are really strategic in nature. It’s just a much more holistic, comprehensive, forensic process - the financial planning process today - than it ever has been. And, I think most importantly, we try to modify bad behavior.” (12:40) (Scott)“There’s a very, very subtle, but...

Upcoming Event!How Can Mindfulness Give You a More Abundant Retirement?Are you ready to let go of anxiety and find the peace of mind you seek as you prepare for your golden years? Your Answer Lies in These 5 Critical Retirement Questions: Am I on track for financial independence?What do I need to do to get on track?How do I design a mindful investing portfolio?How do I manage that portfolio and my income over time through changing markets?How do I prepare non-financially for retirement? What are the dominant variables in a happy retirement?Learn more: https://courses.mindful.money/mindful-retirement-review-workshop/Rocky Lalvani serves as Chief Profitability Officer (CPO) for business owners. He helps small business owners maximize their business’ profit so that they have time and freedom to do what they love. He does this by changing the mental accounting formula from ‘Sales minus Expenses equals Profits’ to ‘Sales minus Profits equals Expenses.’ The point is to make sure that profits come first. Today, Jonathan and Rocky discuss the Profit First method, why there aren’t more wealthy people, and the misconception small business owners have about growth.📺 Watch on YouTubehttps://youtu.be/Sj-2nXN-bZ4Key Takeaways00:49 – Jonathan introduces today’s guest, Rocky Lalvani, who joins the show to share how to get value for your money and other financial lessons that were critical to his success07:02 – Rocky’s first paper route to his current role as CPO13:56 – Why there aren’t more wealthy people17:29 – Statistics on small businesses19:55 – The two equations of Revenue, Profit, & Expenses24:55 – The fallacy of ‘Growth’27:26 – The Profit First system31:55 – One piece of financial advice to heed and one thing to completely ignore35:22 – The last thing Rocky changed his mind about and one thing Rocky would like others to know about him37:44 – Jonathan thanks Rocky for joining the show today and lets listeners know where to connect with himTweetable Quotes“I think the biggest lesson coming out of it all is you can live an abundant life on a pauper’s budget. I think, too often, people just overspend money and they don’t get value for it.” (05:14) (Rocky)“I can look at a set of numbers and they tell me a story. I can look at data and I can pick out the anomalies. I know how to make the buck work. In small business, understanding numbers and stretching your bucks is what makes you successful.” (11:57) (Rocky)“So there’s all these different money messages that are going into people’s heads, and if they never question them then that’s a problem.” (15:06) (Rocky)“If nobody wants what you have to sell, or they aren’t willing to pay for it, then it doesn’t matter. I think that’s a big part of it. The other thing is understanding the business-to-business, understanding how to systematize, how to build processes, how to lay stuff out and get stuff done.” (18:57) (Rocky)“Too often, I think [business owners] are focused on the wrong metrics, which is what’s the topline? The question, at the end of the day, is how much do you get to keep, how much do you get to take home, and how much is for you?” (25:57) (Rocky)“Our first step is to sit down with the business owner, and the first question is, ‘Tell me about how you grew up and learned about money.’ Because whatever those money mindsets and habits are, I need to know how they are affecting you today, what the programming is, and what your core beliefs are and...

Upcoming Event!How Can Mindfulness Give You a More Abundant Retirement?Are you ready to let go of anxiety and find the peace of mind you seek as you prepare for your golden years? Your Answer Lies in These 5 Critical Retirement Questions: Am I on track for financial independence?What do I need to do to get on track?How do I design a mindful investing portfolio?How do I manage that portfolio and my income over time through changing markets?How do I prepare non-financially for retirement? What are the dominant variables in a happy retirement?Learn more: https://courses.mindful.money/mindful-retirement-review-workshop/Alice Shikina is an international speaker, negotiation coach, and divorce mediator. She’s the author of the book, Negotiating with Your Kids. Alice is passionate about helping people out of conflict and moving forward with their lives. Today, Jonathan and Alice talk all about marriage, divorce, and navigating the difficult topic of finances throughout the two. Alice talks about the importance of acknowledgement and communication, and provides insights on how to approach your marriage as a business partnership.📺 Watch on YouTubehttps://youtu.be/A_KQCKMnP0YKey Takeaways00:48 – Jonathan introduces today’s guest, Alice Shikina, who joins the show to share her unique experience being shielded from money at an early age08:33 – Alice’s career trajectory, from theatre to divorce mediation13:01 – Statistics on divorce17:07 – Why financial literacy is a critical skill to have in a relationship20:38 – Joint vs. separate accounts26:39 – How to prepare yourself for the ‘business partnership’ of a marriage30:52 – Prenups, postnups, and other strategies for cultivating a healthy ‘business partnership’34:34 – The power of acknowledgement37:42 – Approaching money as a team44:54 – Alice’s 8-week negotiating and communication course48:24 – One piece of financial advice for couples to heed and one thing to completely ignore51:07 – Alice’s latest course, Design Your Own Divorce52:51 – The last thing Alice changed her mind about and the most impactful place Alice ever visited55:08 – Jonathan thanks Alice for joining the show today and lets listeners know where to connect with herTweetable Quotes“For those people who don’t know the difference between arbitration and mediation, arbitration is basically a private trial. So, you don’t go into the public court system. You hire a private judge, who is the arbitrator, and you do everything privately.” (11:53) (Alice)“It is very interesting to note that if I’m mediating alimony from a husband to a wife, usually they want to be fair and talk about it. Usually when I mediate alimony from a wife to a husband, everyone is bitter.” (15:18) (Alice)“If there is a partner who is not as financially literate, it would be extremely beneficial for them to get a financial coach so that they can at least feel somewhat comfortable looking at a spreadsheet. And the other thing is budget! So many people do not create a family budget.” (19:37) (Alice)“I have noticed that when people come from marriages where they only have a joint account and they only had a joint account for several decades, there’s a lot of fear about splitting it up and opening a brand new account. Of course they do it, but I can tell it feels very uncomfortable for people.” (22:17) (Alice)“Communication is a huge reason why people get divorced. I see it all the time. And they come to me...

Upcoming Event!How Can Mindfulness Give You a More Abundant Retirement?Are you ready to let go of anxiety and find the peace of mind you seek as you prepare for your golden years? Your Answer Lies in These 5 Critical Retirement Questions: Am I on track for financial independence?What do I need to do to get on track?How do I design a mindful investing portfolio?How do I manage that portfolio and my income over time through changing markets?How do I prepare non-financially for retirement? What are the dominant variables in a happy retirement?Learn more: https://courses.mindful.money/mindful-retirement-review-workshop/Dr. Mary Martin is a trauma sensitive mindfulness educator, a futures thinker, and the author of Mindfulness for Financial Advisors: Practicing A New Way of Being . She’s certified by Brown University to teach mindfulness-based stress reduction and has a PhD from NYU’s School of Culture, Education & Human Development. Dr. Mary has worked in financial services for over two decades, has been teaching mindful awareness to advisors since 2015, and today she joins the show to share the work she does as a mindfulness educator, and why mindfulness is so critical in the field of financial advice.📺 Watch on YouTubehttps://youtu.be/L6SCuYdq2GcKey Takeaways00:51 – Jonathan introduces today’s guest, Mary Martin, who joins the show to share the first financial lessons she learned, the early expectations she set for her life, and how she got into ghost writing07:42 – Everything Dr. Mary learned about entrepreneurship she learned from her neighbors13:31 – An independent mindset19:05 – An awakening and the inspiration to teach financial advisors about mindfulness31:17 – The absence of mindfulness in financial advisement38:09 – How to identify which financial advisors are mindful46:08 – The danger of falling into a trap of accumulation, consumption, and materialism50:10 – A message of love56:30 – One thing Dr. Mary would like others to know about her and the one question she would like to know the answer to57:51 – Jonathan thanks Dr. Mary for joining the show today and lets listeners know where to connect with herTweetable Quotes“What I always managed to do is find people who had wonderful things to teach me - theseamazing mentors - and work with fantastic, fun colleagues. And I was always making moremoney than anybody else my age .”(05:25) (Mary)“Everything I learned about entrepreneurship I learned from my neighbors.” (07:47) (Mary)“With this contemplative practice all of these years, I somehow failed to recognize that I had a body. I was this brain walking around in a meat suit. What I was doing with my body was all superficial.” (21:25) (Mary)“Whenever I define mindfulness for people I say, ‘Notice you didn’t hear the word ‘calm’ in there. And you didn’t hear the word ‘relaxation’ in there. And you didn’t hear the word ‘bliss’ in there. And you didn’t hear the words ‘clearing your mind’ or ‘stopping your thoughts.’” (24:07) (Mary)“Your superpower should not be super. Your superpower is that you’re a human being and you understand how you operate. And, when you understand how you operate - and your own suffering and where that comes from and what that feels like, and your own regret, and your own shame, and your own pain - you don’t understand someone else through and through, but you are able to empathize. Your own pain is a bridge to somebody else.” (30:17) (Mary)“You have a way of being...

Upcoming Event!How Can Mindfulness Give You a More Abundant Retirement?Are you ready to let go of anxiety and find the peace of mind you seek as you prepare for your golden years? Your Answer Lies in These 5 Critical Retirement Questions: Am I on track for financial independence?What do I need to do to get on track?How do I design a mindful investing portfolio?How do I manage that portfolio and my income over time through changing markets?How do I prepare non-financially for retirement? What are the dominant variables in a happy retirement?Learn more: https://courses.mindful.money/mindful-retirement-review-workshop/Kim Trathen is a business, money, and mindset coach, three things that are foundational to the process of building wealth and creating financial independence for our families. Her favorite topic is how our thoughts about money shape our ability to make more money. Today, Kim joins the show to share how her own relationship with money was forged, what inspired her to become an entrepreneur, and why she is so passionate about helping female founders.📺 Watch on YouTubehttps://youtu.be/f8VPekrW4z0Key Takeaways00:59 – Jonathan introduces today’s guest, Kim Trathen, who joins the share her philosophy on money, what it means to have a healthy relationship with money, and the importance of awareness09:33 – What inspired Kim to start her own business13:39 – A passion for helping women and the difference between a consultant and a coach20:08 – The importance of entrepreneurship in the journey to financial independence28:35 – Kim speaks to some of the more common ‘mainstream’ money beliefs32:36 – One piece of financial advice to focus on and one thing to absolutely avoid35:17 – The last thing Kim changed her mind about and the one question she would like to know the answer to36:28 – Jonathan thanks Kim for joining the show today and lets listeners know where to connect with herTweetable Quotes“Saving is such an important part of being financially healthy, but I took it to an extreme where I actually made us live like we were poor. And we would sock everything away so that I wouldn’t see it, because I had this deep perception that I might turn into a nasty person if I had access to all of this money.” (04:43) (Kim)“I think, as so often happens with things, whatever is the negative that is going on seems to have the stronger influence on the brain. It’s not too surprising that I came out with that unhealthy relationship with money because that was the negative piece that my brain hung onto. As our brains process information, we all absorb it differently, and it impacts us differently. It wasn’t until I was well into adulthood that I started recognizing that maybe that’s not the healthiest approach that I have.” (08:03) (Kim)“When I first sat down I had a divine inspiration one night that I really didn’t want to work foranybody else. I wanted to be an entrepreneur. I wanted to have that freedom lifestyle. I wantedto be able to make choices about how I spend my time, who I spend my time with, things likethat. So, I knew I wanted to be an entrepreneur.”(13:45) (Kim)“Some people will ask what’s the difference between a coach and consultant. My personaldefinition is that a consultant will come in and tell you how to do something. So, if you hire aSales consultant, they will come in and tell you how to do your Sales; they will train your people.A Marketing consultant may write your entire Marketing Plan for you. I view my role...

Upcoming Event!How Can Mindfulness Give You a More Abundant Retirement?Are you ready to let go of anxiety and find the peace of mind you seek as you prepare for your golden years? Your Answer Lies in These 5 Critical Retirement Questions: Am I on track for financial independence?What do I need to do to get on track?How do I design a mindful investing portfolio?How do I manage that portfolio and my income over time through changing markets?How do I prepare non-financially for retirement? What are the dominant variables in a happy retirement?Learn more: https://courses.mindful.money/mindful-retirement-review-workshop/Marda Stoliar has improved the world in war torn countries and countries with repressive regimes as well as wealthy and poverty-stricken U.S. neighborhoods. She didn’t do it through politics or activism; she did it through baking. Sheila has had a life and career that has spanned across geographies, years, and roles. She’s worked in health and medical research. She was a community organizer, has worked in public broadcasting, started a nonprofit and has raised money for documentary films.A few years ago, as Marda started telling Sheila about her students and their special reasons for learning to bake, Sheila was lit up by Marda’s work and the impact it had on the world. Today, they join the show to talk about discovering a passion, persisting through hardship, and how pursuing your vocation - your passion work - can enhance your impact on the world.📺 Watch on YouTubehttps://youtu.be/qPSAIkUX9GoKey Takeaways01:03 – Jonathan introduces today’s guests, Marda Stoliar & Sheila Rittenberg, who join the show to discuss early financial lessons they learned and what it means to truly pursue your passion work08:00 – Marda’s gift, explained10:19 – Sheila reflects on her career and what inspired her to make the documentary Marda’s Gift18:05 – The Bread Doctor25:23 – How Marda inspires her students through positivity, resources, and education32:44 – One extra step we can take to truly understand our path and one thing to avoid35:46 – A hidden gem walking among us37:33 – One thing about Sheila that she would like others to know about her and the last thing she changed her mind about39:22 – How listeners can learn more about the documentary Marda’s Gift40:39 – Why Marda provides one-on-one classes43:29 – The Forty-Six Percent Chocolate Rule45:59 – Marda opens up about a difficult time in her career51:22 – Finding your passion work and why Marda continues her work59:26 – Marda describes her ‘perfect day’1:00:51 – Jonathan thanks Marda for joining the show today to share her storyTweetable Quotes“Success for me was not about being rich. Success for me was finding a vocation, finding work, finding a purpose to matter in the world - to make a difference.” (06:07) (Sheila)“I became a community organizer in those days because I was so riled up about the political action I was involved in. So it was a natural fit and the opportunity was there. It just felt right.” (13:36) (Sheila)“There is only one life. What is most important? How can you impact others by taking risks yourself? So, we’re all models in whatever we do - in the way we walk our dog, in the way we discipline our children, in the way we speak to a clerk in a store - we are all modeling all the time.” (22:32) (Sheila)“One person’s actions can have a ripple effect that we don’t necessarily think about when we think...

Upcoming Event!How Can Mindfulness Give You a More Abundant Retirement?Are you ready to let go of anxiety and find the peace of mind you seek as you prepare for your golden years? Your Answer Lies in These 5 Critical Retirement Questions: Am I on track for financial independence?What do I need to do to get on track?How do I design a mindful investing portfolio?How do I manage that portfolio and my income over time through changing markets?How do I prepare non-financially for retirement? What are the dominant variables in a happy retirement?Learn more: https://courses.mindful.money/mindful-retirement-review-workshop/Dr. Eric J. Holsapple is a successful developer, author and entrepreneur who has used mindfulness to transform both his life and his business. He’s got a PhD in Economics and has been involved in the real estate industry for forty years. He works with people to merge business and mindfulness as a catalyst for changing lives. He’s the Founder of Living in the Gap and today, Dr. Eric joins the show to discuss how mindfulness can transform business culture. His new book, Profit with Presence: The Twelve Pillars of Mindful Leadership , helps readers learn that bringing mindfulness to the workplace is an investment that pays out real dividends.📺 Watch on YouTubehttps://youtu.be/P8mHFaEuUg4Key Takeaways01:09 – Jonathan introduces today’s guest, Dr. Eric Holsapple, who joins the show to share early lessons of entrepreneurship, his career trajectory, and his entry into mindfulness08:33 – A massive, shocking wake-up call for Dr. Eric11:32 – From LC Real Estate Group to Living in the Gap18:58 – Finding happiness now22:22 – Dr. Eric speaks to his latest book, Profit with Presence24:38 – Mindset, inequality and what we can do to help others less fortunate33:34 – How Dr. Eric defines and practices mindfulness39:54 – Detaching from results43:20 – One piece of entrepreneurial advice to focus on and one thing to absolutely ignore49:48 – The last thing Dr. Eric changed his mind about and a place he visited that had a profound impact on himTweetable Quotes“I ended up knowing everybody in the state - every bank, every real estate firm. It wasn’t intentional, but it dramatically helped my business because I was a trustworthy person, I was a good developer, and I was really well connected. I knew the best students and I helped place them at the best firms.” (14:03) (Dr. Eric)“Living in the Gap is having it all. I think that people can live the life of their dreams, that this idea that spirituality and business are at odds is a mistake, that mindfulness is primarily focus. And, I have found personally that you get more done in less time if you’re focused and that mindfulness is actually a compliment to work.” (15:19) (Dr. Eric)“What I’ve seen, from myself and from my friends that have been really successful, is that when you check off the list, you add more to the list. First it was a house, then it was a condo, then it was the trips to Maui, and then it becomes, ‘one country club isn’t enough, I gotta have two.’ I think that’s ‘the space race,’ and I look at it like what’s really going on here? I don’t pretend to know. It looks to me like it’s really hard to be happy with money.” (20:08) (Dr. Eric)“My outer purpose is what I do. I’m on a podcast with you. I’m running ‘Living in the Gap.’ I’m building a real estate firm. I’m teaching at the University. My outer purpose is just what I do. But, with presence, I can...

Toby Bloomberg is one of the original web-marketing leaders. Forbes listed her original Diva Marketing Blog as one of the top twenty social media blogs for women. She put together the first book ever written on Twitter by interviewing forty marketing leaders over Twitter and compiling their 140 character answers into her successful ebook, Social Media Marketing GPS. Today, Toby joins the show to discuss the power of being intentional and following a dream, advice she would give to entrepreneurs looking to integrate social media marketing into their businesses, and her vision for her latest venture, Diva Foodies.📺 Watch on YouTubehttps://youtu.be/5GCALRD90oUKey Takeaways01:07 – Jonathan takes a moment to read a five-star review and encourages listeners to leave their own reviews02:07 – Jonathan introduces today’s guest, Toby Bloomberg, who joins the show to share her early passion for entrepreneurship09:17 – How Toby translated ‘intention’ to give herself permission to follow her dream14:01 – Passion, Talent, & Opportunity15:26 – Toby’s mission and vision for Diva Foodies21:33 – One piece of social media marketing advice to focus on and one thing to absolutely ignore27:23 – Know your customer, know your product30:11 – One thing Toby would like others to know about her and the one question she would want to know the truth aboutTweetable Quotes“I grew up in a family where my dad owned a Marketing Research company. And so, we literally grew up in the business. The business was almost like another sibling.” (03:43) (Toby)“I think, for me, being intentional means that I have more of a structure to work with and I have a definite focus. So, when I decided to go down this road, I didn’t really have a network here in Atlanta, where I’m based, and I didn’t really have a network nationwide. But I did have a network of marketers and social media friends, but not within the culinary world. So, what I began to do is I went back to where I had gained network, community, and success. And that was, believe it or not, in social media.” (12:19) (Toby)“That’s what I found within the culinary world. I found the integration of passion and self. And Ifound that the chefs and the foodpreneurs were people that were willing to step out and takethat chance so their small businesses hopefully will grow to be larger businesses. But that’swhere I found my passion within that world.”(16:43) (Toby)“It used to be called ‘the long tail,’ where there wasn’t a lot of competition in that part. And so, if you could find something where there’s not a lot of competition - which is in ‘the long tail’ - even though the audience may be smaller, you’re more likely to cut through the clutter and you’re more likely to get heard.” (24:09) (Toby)Guest ResourcesToby’s BlogToby’s WebsiteToby’s TwitterToby’s Book - Social Media Marketing GPSToby’s EmailToby’s LinkedInDiva FoodiesDiva Foodies Facebook

Sharmeen Bhanji-Abeysinghe is a Spiritual Somatic Movement Mentor. She speaks of movement as medicine and she’s on a mission to eradicate childhood trauma due to poverty. Today, Sharmeen joins the show to share lessons she learned from her own experiences with childhood financial trauma, why we’ve become so disassociated with our own bodies and initial steps we can take to heal our bodies and minds from financial trauma.📺 Watch on YouTubehttps://youtu.be/kwxvsu3NuOsKey Takeaways01:09 – Jonathan takes a moment to read a five-star review and encourages listeners to leave their own reviews01:47 – Jonathan introduces today’s guest, Sharmeen Bhanji-Abeysinghel, who joins the show to share her early memories of childhood trauma created by poverty11:40 – Working through financial trauma through energetics17:27 – How we got so disassociated with our own bodies20:12 – The first step to healing our bodies22:50 – Common examples of financial childhood trauma25:06 – Overcoming a lack of self-worth through movement31:28 – Imprinting an abundance mindset into our bodies as well as our minds33:38 – One piece of financial relationship advice to focus on and one thing to absolutely ignore36:52 – The last thing Sharmeen changed her mind about and one thing she would like others to know about herTweetable Quotes“Basically what I’ve learned is the energy behind what money actually is. And, when we move it from this physical, ‘I can’t have’ paper substance to the understanding that it is energy, then it changes the perspective on how much we can have. And so, for me, my relationship with money has actually blossomed and grown and become this delicious relationship that I’m fully in love with through healing, and through movement, and through energetics.” (09:46) (Sharmeen)“It is really about connecting with the sensations in the body. And my belief through my years of research and even my own experience is that the subconscious mind, or subconscious programming - the things that are sticky and still holding us in those fear states or any of those high emotional states - lives in your body and communicates with us through the body’s sensations.” (15:42) (Sharmeen)“Either way, the impact on the psyche and the way the brain is actually formed - and it’s not what the brain thinks, but how it’s formed - it’s the structural beingness of the brain that changes when we experience trauma.” (23:34) (Sharmeen)“We hear so much about ‘money mindset, money mindset, money mindset.’ It’s drilled into us that we have to have this money mindset and do affirmations and meditations and all these things. But the truth of the matter is that the mindset that we’re trying to change - the structures in the brain - we’re forgetting that it’s also in the body.” (31:28) (Sharmeen)Guest ResourcesSharmeen’s FacebookSharmeen’s InstagramThe Flourishing Well WebsiteMy Aligned LifeThe Flourishing Well InstagramThe Flourishing Well FacebookMindful Money ResourcesMonthly Coaching Membership:

Adam Carroll has spent the last decade studying human behavior, particularly as it relates to leadership and personal finance. He’s an internationally recognized financial literacy expert, a two-time TEDx speaker, and the author of four Amazon best-sellers. Today, Adam joins the show to share his passion for helping people create financial freedom through unconventional financial strategies. Jonathan and Adam discuss how our relationship with money has changed over the last two decades, what it takes to change financial habits, and the importance of architecting the life you want to live.📺 Watch on YouTubehttps://youtu.be/Nv3NddjPabIKey Takeaways01:03 – Jonathan takes a moment to read a five-star review and encourages listeners to leave their own reviews01:52 – Jonathan introduces today’s guest, Adam Carroll, who joins the show to share his first entrepreneurial memory and what he learned about financial fights from an early age07:52 – The importance of being on the same financial page as your spouse12:03 – Adam’s journey to teaching financial literacy19:05 – How to improve financial literacy through behavioral change22:19 – Why money is such a difficult subject here in the United States23:55 – Architecting the life you want to live26:48 – How our relationship with money has changed in the last twenty years31:29 – The Shred Method37:08 – One piece of financial advice to focus on and one thing to absolutely ignore41:07 – The last thing Adam changed his mind about and one thing he would like others to know about himTweetable Quotes“I remember very distinctly thinking, ‘Well, if I want to make money, I just have to create something of value and that will be how I make money.’ And that’s kinda how I’ve existed over the past couple of decades.” (05:09) (Adam)“In conversations with some of our clients, when we’re doing money coaching and relationship to money coaching - we’ll often say to people, ‘How much money do you need to feel safe and secure?’ And one partner will give a number and the other one will say, ‘That’s not true. There’s no amount of money that will make you feel safe and secure, because we’ve had that money sitting there for X amount of years and you’re still insecure about money.’ And I think that sort of goes to the very heart of maybe the message that we’re given early on, or an early money memory that was created around money.” (10:53) (Adam)“We have this mantra. ‘If you do for two years what most people won’t do, you can do for the rest of your life what most people can’t do.’” (13:36) (Adam)“I truly believe that the single best thing that someone can do that really wants to dial into their own financial literacy is find someone that’s living a life that they aspire to and then go deep on that person’s content.” (19:41) (Adam)“It’s one of my favorite quotes, ‘Our lives are perfectly engineered for the results that we’re currently getting.’ So, whatever you’re living right now has been the product of the last six or twelve months or five years of decisions that have put you in this place. And if you want to change what the future looks like, just change the decisions you make today.” (26:10) (Adam)“The two greatest expenses we have in life are taxes and the interest expense on debt.” (34:36) (Adam)“The way to be financially successful is to make sure your income is always greater than your expenses for as long as humanly possible.” (37:41) (Adam)Guest ResourcesAdam’s WebsiteAdam’s LinkedIn

Yvonne DiVita is an author, book coach, author advisor, and overall book whisperer. She loves helping women especially share their stories and speak louder than ever before. Today, Yvonne joins the show to share how she helps entrepreneurs and successful business professionals enhance their brand, generate leads & market their business by writing a book. Jonathan and Yvonne touch on the evolution of the publishing industry, the pros and cons of traditional publishing versus print on demand, and the process of pulling stories out of people.📺 Watch on YouTubehttps://youtu.be/JYHSpvs4upcKey Takeaways01:10 – Jonathan takes a moment to read a five-star review and encourages listeners to leave their own reviews01:51 – Jonathan introduces today’s guest, Yvonne DiVita, who joins the show to share early financial lessons she learned from her mother and the value of building a neighborhood out of your network10:23 – Yvonne’s passion for writing and what led to Nurturing Big Ideas18:38 – The evolution of the publishing industry25:00 – Benefits from going the traditional publisher route versus print on demand29:52 – Pulling stories out of people and the value Yvonne provides to her clients34:43 – Identifying authors to work with39:09 – Ways to turn your book into revenue41:07 – The importance of your message and Yvonne’s latest projects45:21 – The last thing Yvonne changed her mind about and one thing she would like others to know about herTweetable Quotes“A lot of what had to happen in the home fell on my shoulders. So, I lost a lot of my childhood because I was busy cleaning, cooking, and taking care of my brother and sister.” (07:10) (Yvonne)“I think that when we open our minds to that idea of having a network that is extended, and building a neighborhood of people through that network, it becomes a really powerful and wonderful thing.” (09:44) (Yvonne)“A lot of authors and writers, while they graduated sixth grade and can put a paragraph together, they don’t understand where to put the power words. They don’t understand that maybe this particular word doesn’t work for their audience. They’re still writing from the mindset of, ‘This is my book.’ And at Nurturing Big ideas we say, ‘Yes, it’s your book, but it’s for the reader. You’re not writing it so you can publish it and put it on your bookshelf. You’re writing it because you want other people to buy it, read it, and do something. You don’t just want them to read it.’” (20:20) (Yvonne)“Nobody wants to read a report. Let’s tell some stories. So, they’ll tell a story and I will go back to them and say, ‘I love this story. However, how were you really feeling that day?’ And, in the end, I say, ‘You have to bleed on the page.’ If you don’t bleed on the page - if you’re not crying the same way that your audience is bleeding and crying - then when they get to your book they won’t take you seriously.” (31:41) (Yvonne)“Women are especially trying to start new businesses. More women than men are starting new businesses all the time and they want to look to other women. But the vast majority of business books out there are written by men.” (42:46) (Yvonne)Guest ResourcesYvonne’s WebsiteYvonne’s LinkedInYvonne’s YouTube ChannelNurturing Big ideas Facebook

Dr. Jordan Grumet, or Doc G as he is affectionately known, is a doctor of internal medicine and a hospice care medical director turned financial blogger and author. He has been a financial independence blogger for a decade and hosts the award-winning Earn and Invest Podcast. Today, Dr. Jordan talks about his roots growing up in Evanston, Illinois, what it means to live a regret-free life, and what inspired him to write his book, Taking Stock: A Hospice Doctor’s Advice on Financial Independence, Building Wealth, and Living a Regret-Free Life. Jonathan and Dr. Jordan discuss side hustles, following your passion and the powerful life lessons Dr. Jordan has learned over the years from his hospice patients.📺 Watch on YouTubehttps://youtu.be/hxgjKuB9CVkKey Takeaways01:01 – Jonathan introduces today’s guest, Dr. Jordan Grumet, who joins the show to share his background in hospice care, financial independence lessons, and what it means to live a ‘regret-free’ life08:11 – Growing up in Evanston, Illinois09:41 – How Dr. Jordan got into blogging about financial independence and what inspired him to write his book, Taking Stock16:20 – Dr. Jordan’s approach to writing about finance19:01 – The parable of The Three Brothers21:54 – Passive income and the fallacy of retiring early25:40 – Dr. Jordan breaks down a simplified financial plan28:58 – Side hustles33:15 – Common themes Dr. Jordan hears from hospice patients on their deathbeds38:47 – The Life Review41:50 – The last thing Dr. Jordan changed his mind about and one thing he would like others to know about himTweetable Quotes“How do we have a good death? We live a good life. How do we live a good life? We start thinking about those things that are deeply important to us - those things we’ll regret when we’re on our deathbed if we don’t pursue them now. And we start to think about how to live a more purposeful life and bring those things into our day-to-day, as opposed to putting it off until some other time.” (02:40) (Dr. Jordan)“I took this phone call and it was Jim Dahle. He wrote the book The White Coat Investor and he asked me to review it for my blog. I read it and it changed my life. It defined what financial independence was for me. It gave me the vocabulary to understand my finances. Within a few hours I realized, ‘Hey, I actually have enough money and I could stop working today.’ The problem with that is the only way I’ve ever felt a sense of purpose or identity was being a doctor. And now I wanted to walk away from this thing that I felt like it was crushing me. But then who would I become and what would it mean?” (10:51) (Jordan)“We can be different brothers at different times of our lives. Sometimes we can use the techniques of each of them. The idea is not that you define yourself as one. It’s that you use these archetypes as guides to help you decide how you want to build your financial life.” (20:41) (Dr. Jordan)“I think the more evolved way is to really get rid of that ‘RE’ [Retire Early] thing and just start thinking about what’s the best way to bring purpose, identity, and connections into your life regardless of what path you take. And we’re finding that you don’t necessarily have to stop working to do that.” (24:50) (Dr. Jordan)“I think side hustles ultimately allow us to bring passion and necessity together in one place. And that’s why I think they’re very powerful.” (30:29) (Dr. Jordan)“It just drives home this point that it’s not whether you succeed or fail. It’s that you put your energy and time into doing the thing that was important to you.” (35:22) (Dr. Jordan)Guest ResourcesDr. Jordan’s Website

Jackie Woodside is a certified professional coach and licensed psycho-therapist who has twenty-fives years of experience in both fields. She’s the author of three bestselling books, Calming the Chaos, Time for Change, and Money Vibe. Jackie is a TEDx Speaker and an expert in creating conscious communities. Today, Jonathan and Jackie talk about early money lessons Jackie had to unlearn, what it means to ignite the flame of possibility within each of us, and why time management is a trap for failure.📺 Watch on YouTubehttps://youtu.be/Uy1BUJp8DwMKey Takeaways01:10 – Jonathan introduces today’s guest, Jackie Woodside, who joins the show to share her experience unlearning bad money lessons from childhood and her journey to entrepreneurship07:21 – Transitioning from a 9-5 to launching her own business09:14 – Igniting the flame of infinite possibility13:45 – An inherent human design flaw18:01 – Common signs that we aren’t living up to our potential19:45 – Paying attention to our inner world22:41 – Why time management is a setup for failure28:57 – The Four Factors of Money Vibe33:00 – Social media and a society of hyper comparison35:40 – Awareness, privilege and the process of becoming41:59 – Advice for those who are looking to ignite their lives and one thing for them to ignore47:21 – Jackie’s latest program, Living in the Domain of Miracles48:02 – One thing that Jackie would like others to know about herselfTweetable Quotes“What I learned in my childhood about money I spent the rest of my life unlearning.” (04:03) (Jackie)“I just have this belief that we’re all here with a divine purpose. I call it your ‘soulprint.’ And that life itself is enriched the more that each of us aligns with our infinite flame, that soul spark, that soulprint. The more we align with who we came here to be, the happier and more fulfilled we are.” (09:22) (Jackie)“When you come to understand that that is just the design of a human being and that there’s nothing wrong with you, you can also then learn to counter it and use your mind to train your brain to have a better experience.” (15:13) (Jackie)“I was listening to a sermon by a wonderful spiritual teacher at a Unity Church in Massachusetts and she used a quote from the Gnostic Gospel of Thomas that said, ‘If you bring forth what is within you, what is within you will save you. If you do not bring forth what is within you, what is within you will destroy you. And I thought, ‘That’s what’s happening to me.’ I had lost my sense of juice and vitality.” (18:46) (Jackie)“I say you can’t manage time because time is a constant. You can only, God willing, learn to manage yourself - your values, your commitments, your decisions, your use of the time you have been given.” (23:39) (Jackie)“You cannot change what you cannot or are unwilling to see.” (29:34) (Jackie)“Wherever you are in your walk, if you have that willingness, and grit, and resiliency, and just know there’s something in you that wants to be burst forth and you’re willing to do the work, you can transform your life.” (41:42) (Jackie)Guest ResourcesJackie’s LinkedInJackie’s WebsiteJackie’s EmailJackie’s PodcastLiving in the Domain of...

Jamie & Jacklyn Purvis are the father-daughter founders of the Be Do Have Movement, a high- performance coaching company. They help people get unstuck to build bigger businesses and better lives. It’s their mission to empower people to be the best they can be, and have the courage to follow their dreams and live their best lives. Today, Jonathan, Jamie and Jacklyn talk about the origin story of the Be Do Have Movement, common challenges Jamie and Jacklyn help their clients overcome, and how the definition of success varies from Boomers to Millennials to Gen Zers.📺 Watch on YouTubehttps://youtu.be/J39YnuiIIkcKey Takeaways01:10 – Jonathan introduces today’s guests, Jamie & Jacklyn Purvis, who joins the show to share early financial lessons they learned, how sobriety brought financial clarity to Jamie, and their shared experience as entrepreneurs10:28 – The origin story of the Be Do Have Movement13:34 – How Jamie and Jacklyn’s coaching dynamic works17:18 – Issues Jamie and Jacklyn are helping their clients overcome21:50 – Jamie and Jacklyn expound on what ‘Be Do Have’ really means27:21 – Jamie and Jacklyn speaks to what success means to her generation31:01 – One piece of financial advice to heed and one thing to absolutely ignore37:24 – The last thing Jamie & Jacklyn changed their minds about and one thing that they would like people to know about each of them39:52 – Jonathan thanks Jamie & Jacklyn for joining the show and let’s listeners know where to connect with them and learn more about the Be Do Have MovementTweetable Quotes“It would have been in my mid to late thirties before I really took control of my finances. And losing seven houses and renting for seven years, in hindsight, was a blessing; at the time it was hell. I never took any personal responsibility early on for it. And then once I took responsibility and realized I had to start moving forward is when I started the process.” (04:38) (Jamie)“I think in my heart I always knew working on my own and creating something on my own was what I wanted. I saw a lot more purpose and joy coming out of that space. I just didn’t know at the time, coming out of school, what that could be.” (10:08) (Jacklyn)“Where Jacklyn’s really been helping bring so much value is having the experience and being able to help people release things that they hold on to. I notice that the age, in my mind anyway, isn’t an issue with people. When they know you can help them, they are not concerned about the age at all. And I’ve watched Jacklyn evolve through this.” (16:19) (Jamie)“What we’ve realized is to get to outcomes faster, it’s about who you’re being in the first place. It’s picking a direction and then focusing on the self-image, and how you’re showing up, and what kind of attitude you have, how you’re communicating with people, and really stepping into those characteristics first so that you can then do the habits and the actions that much faster to get to that goal and that outcome.” (23:04) (Jacklyn)“As much as it’s that income, what else? You’re not just gonna have that income and then poof be successful. It’s also how are you showing up every day? What type of person are you being? It’s gonna come back to that ‘being’ piece. I was very lucky Jamie taught me what that was and how to show up as a person and how to really be a leader in your own life. It’s something that I practice every single day. That doesn’t go away; it just becomes a part of growing and the journey.” (28:57) (Jacklyn)“Invest time thinking. Imagine creating space in your life, thirty minutes, where you can think. Thirty minutes a week where you take time, shut off all distractions, turn on the timer on your phone, and think about the life you want to live. What would it...

Melissa Giller is a certified life coach, an MBA-educated business consultant, a podcast host and a mentor to millennial women. She’s a self-proclaimed spiritual junkie, bringing deep introspection, compassion, and non-judgement to client work, right alongside things like strategic results-oriented action. Today, Jonathan and Melissa engage in a deep discussion on overcoming fear, the power of self-trust, and techniques for manifesting what you truly want.📺 Watch on YouTubehttps://youtu.be/ITw01ZBhDfgKey Takeaways01:11 – Jonathan introduces today’s guest, Melissa Giller, who joins the show to share financial lessons she learned growing up in Winnipeg06:58 – From Human Resources, to becoming a mother, to running her own coaching business13:27 – The inspiration to pursue business coaching19:43 – Landing her first client and the impact Melissa is having on her clients23:17 – Overcoming fear31:14 – Manifestation techniques37:39 – One piece of financial advice to heed and one thing to absolutely ignore40:02 – The last thing Melissa changed her mind about and one thing that he would like people to know about her42:06 – Jonathan thanks Melissa for joining the show and let’s listeners know where to connect with herTweetable Quotes“I was financially literate. I always knew my way around how to balance a book. I even remember opening my first bank account when I was, I think, five and getting back the book that the teller stamped.” (04:29)“One day I had this massive panic attack. It was like something that I’d never experienced before where all of the breath left my body completely. And it was the universe, I’m sure, shaking me by my shoulders saying, ‘Wake up. This is a waste of your life and your purpose. You’ve befallen so far off this path.’ That itself is a whole other story...but I found myself back on the path by enlisting various forms of support.” (11:39)“When I was twenty years old, I said, ‘I’m gonna be a life coach one day...’ I had this desire and I had no idea why, but it was a breadcrumb. It was the thing that I just knew. And so, I started looking at coaching options. And, of course the coaching industry was really building at this point. We saw a huge boom around the pandemic when so many people started bringing their talent and skills to the virtual market. But, I basically started pursuing what I wanted to study and then I started sharing about my experiences.” (14:26)“It’s a two-way street. A coaching relationship is very sacred in my mind. And I want to make sure that we’re both primed and ready for that, because there’s definitely people I’ve said, ‘No thank you’ to. And there’s people who I don’t feel would be a good fit.” (21:40)“I really think the impact I’m leaving people with is that ability to trust themselves more fully. And in that self-trust is inner confidence and self-esteem. And when both of those things start to rise, you’re unstoppable. You can get through anything. It doesn’t matter if it’s parenting, work, your marriage, or your negative thoughts.” (22:26)“What is the feeling you hope to gain from this desire? The universe works in energetics. It picks up on frequency, on vibration. And when you can fully immerse yourself in the vibration of what you want, you become a magnet for it and you attract it in.” (35:03)Guest ResourcesMelissa’s LinkedInMelissa’s WebsiteMelissa’s Podcast

Nafasi Ferrell is the Founder and CEO of Narratives Unbound, a consulting and education company that expands awareness of racial and economic systems. Nafasi is a community connector and events specialist focused on building bridges, healing, economic empowerment and closing the wealth gap. Today, Jonathan and Nafasi dive deep into financial and generational trauma, the racial wealth gap and restorative practices for overcoming blockades to personal financial success. Nafasi speaks to the work she’s doing to help those in her community deal with trauma and personal finance and her idea of building a for-profit universal basic income program.📺 Watch on YouTubehttps://youtu.be/GEZ8dQSaEGAKey Takeaways01:11 – Jonathan introduces today’s guest, Nafasi Ferrell, who joins the show to talk about the connection between trauma and money08:01 – The Racial Wealth Gap, explained10:50 – Cultural and generational trauma13:24 – How Nafasi has overcome trauma in her own life17:51 – Overcoming limits that we put on ourselves20:19 – Shame, scarcity, trauma, and personal finance27:00 – Wealth redistribution34:40 – How listeners can learn more about Nafasi’s for-profit universal basic income program35:06 – One piece of financial advice to heed and one thing to absolutely ignore37:48 – The last thing Nafasi changed her mind about and one thing that he would like people to know about her39:33 – Jonathan thanks Nafasi for joining the show and let’s listeners know where to connect with her and learn more about Narratives UnboundTweetable Quotes“But it really was when my father died in 2018. His death shook me to my core around really the big questions of ‘What am I doing? What am I living for? What society is this? What is my future and who’s writing my future? Is it me?’ And I realized it wasn’t me.” (05:37)“People ask, ‘Why is there a large racial wealth gap? Why do we have these issues?’ Well, we don’t understand how society is made. And, the society comes from us and the things that we build. It’s not just you get up and go to work. It’s that there’s a whole society that’s being built around your labor and your efforts just as well as everyone else in your community, whether that’s positive or negative.” (07:40)“I think when we speak to cultural trauma, we’re really talking about generational trauma. It’s trauma that’s passed down through generations. We know that slavery was just outlawed legally in a few states in the United States today. We know that people of color are still experiencing physical slavery. So nothing has changed for many since the Declaration of Independence, since the Civil War, since the end of Jim Crow Laws. This idea that ‘the past is the past and today is today’ is really not true. The practices are really the same and so, generationally, we can see today the things that our ancestors went through and we are still experiencing them.” (11:26)“I think there’s levels of knowing you can have an affect. I think there’s limits that we put on ourselves and that society puts on us. It took me forever to build my business because I thought I couldn’t because I needed permission from somebody somewhere.” (17:51)“Once your cognitive brain can function, new ideas and solutions actually flow; they are created. We are the only species that can take a thought and manifest it into physical reality. We’re it. That’s how powerful we are. Once we’re able to understand that, then we’re able to make better choices.” (22:14)“My argument is that every single human being existing needs to understand how to manage wealth and manage resources, and needs to understand how to save, invest and redistribute.” (30:42)Guest Resources

Barbara Sloan was a homeless teen who danced for dollars and has worked in every imaginable position in the service industry. She’s familiar with and passionate about the joys and pitfalls of living for tips, and today she owns and operates a high-end construction company in Manhattan. She’s a money coach and the author of Tipped: The Life Changing Guide to Financial Freedom for Waitresses, Bartenders, Strippers, and All Other Service Industry Professionals. Today, Jonathan and Barbara discuss working in the service industry, getting out of the debt cycle, and tips (no pun intended) for service workers to improve their personal finance situations.📺 Watch on YouTubehttps://youtu.be/kUJx5C_FdZAKey Takeaways01:15 – Jonathan introduces today’s guest, Barbara Sloan, who joins the show to discuss tackling her mindset through mantras and working in the service industry09:21 – Getting out of the debt cycle and what inspired her to write her book, Tipped16:55 – The pillars of personal finance Band which chapters were the easiest and hardest to write18:39 – The importance of recognizing social hazards19:54 – The Jäger bottle story and having the hustle to be an entrepreneurial27:23 – Being your own Sharon31:59 – Overcoming the shame that is associated with being a tipped employee38:49 – One piece of advice tipped employees should heed and one thing to absolutely ignore43:16 – The last thing Barbara changed her mind about and one thing that he would like people to know about her44:48 – Jonathan thanks Barbara for joining the show and let’s listeners know where to connect with her and learn more about Tipped FinanceTweetable Quotes“I think my early money memories are ones that gave me a scarcity mindset. I remember losing one hundred dollars and walking up and down ten blocks to try to find it because I was so scared to go home and say that I had lost this money.” (02:55)“I talk about this in the book. When you’re trying to work on your money mindset, I break it down into four groups that I call, ‘Freebies.’ They don’t cost any money really. It’s Charity, Gratitude Identity and Mantras. And those usually free or low cost items that you can do to improve your money mindset.” (05:29)“I spent twenty years working two careers in tandem. So, in the day I worked in construction and at night I worked in the service industry. I like to say, ‘Dirt in the day and dirty in the evening.’” (11:27)“It was just a lightbulb moment for me. I realized, ‘Oh, these two reasons, the lack of financial literacy and the lack of benefits, are the reasons I and all of my peers in this group were not getting ahead and building wealth.’” (14:31)“As people who work in the service industry, we are experts at selling fun, sexy, drinks, food. We’re experts at selling these things and, because of that, we can often become the ultimate consumer.” (19:09)“The tipped industry is the largest private sector employer in the United States. There’s more than 5.5 million people who work on a tip-based income in the United States. That is more than all doctors, lawyers, and engineers put together. It is a massive industry.” (24:57)“I think that a very misunderstood part of the industry is that there is a real craft and a real calling in this industry.” (32:56)“If it’s not high interest bearing, debt is a thing that you hold; it’s not a thing you are. You are not your debt; you just have some debt. It is not something to be ashamed of. It is just something that you’re working on. So, don’t aggressively pay it off. I would so much rather see people invest and pay off their debt than just focus on paying off their debt.” (39:43)Guest Resources