This episode is one of my favorites because I get to sit down and talk with one of my clients. Jenna first started her journey working with me as a coach in 2021. She joined my program when she realized her financial management style didn’t align with how she wanted to live her life. Now, two years later, she is a six-figure earner, a new condo owner, and feels empowered to make good choices with her finances. I chose Jenna for this client spotlight episode because her experiences relate to women who feel stuck in their finances. Before working with me, Jenna worked five jobs, struggled with credit card debt, and had an inherent belief that she was bad with money. As a result, she felt stuck and didn’t know how to regain control of her finances. Since starting her journey, Jenna has shifted her mindset about herself and her money after learning to budget without restriction. So listen in as Jenna shares what inspired her to choose me as her money coach and how a shift in her financial mindset has positively impacted her life. I love sharing my clients’ wins with you and hope this candid conversation with Jenna inspires you to take control of your money and make the shift toward a healthier financial mindset.  While listening to this episode, take inspiration from Jenna’s journey… [00:05:18] I found that working with you is not just about money. It is extremely therapeutic because I think what you unlocked in me and what you made me realize is I always have a choice. [00:11:21] I’m making close to $15,000 now. If I had not worked with you there would be no change to how I spend money, because my mindset was not in a healthy spot for myself. Tune in to this episode of Money Files and get inspired by my client’s experience with money coaching and how the decision to work with me shifted her mindset and empowered her to reach her goals. Get full show notes and the episode transcript:  https://wealthovernow.com/how-coaching-helped-jenna-embrace-her-financial-choices/ Links mentioned in this episode… Set up a call | Financial Coach Washington, DC | Wealth Over Now Masterclass | How To Budget Without Restriction | Wealth Over Now

As a coach, I love presenting new thoughts and ideas about money to my clients. In this episode, I am joined by a friend and fellow money coach, Jess. Jess helps business owners manage their time and money. Together, we share our personal journeys that led us to become money coaches and our motivations to help women gain control of their finances. In addition, Jess and I compare notes on common challenges our clients face when overcoming shame about money. We discuss why people hesitate to ask for help from a coach and advise on habits to build wealth now. We know that it can be scary and intimidating to enlist help with your finances. As coaches, we help release shame and worry around money conversations by looking at and understanding your numbers. Remember, no matter how much you make, a healthy financial mindset starts by learning what your money does for you. Tune in and listen to us discuss money as coaches. I hope you gain insight into how to talk about money differently and get answers to questions about coaching that may have been holding you back from starting the process. While listening to this episode, consider these questions… [00:11:00] There is no guidebook to personal finances so wherever you’re starting and whatever questions you have, or haven’t asked yourself don’t use it against yourself. Start where you’re at and then start asking yourself those questions now. [00:13:25] What are those personal finance things that people should be considering and thinking about when they’re just trying to make decisions for their basic lives if they want to grow their income or their wealth. [00:16:45] The questions to be asking yourself are - What is my money going to do for me and can it currently? What is the next best thing that I need to learn about my finances or that I want to do this month? Tune in to this episode of Money Files and listen to two money coaches discuss how to overcome fear and shame about money. Get full show notes and the episode transcript: https://wealthovernow.com/join-the-money-conversation-with-keina-and-jess/ Links mentioned in this episode… Set up a call | Financial Coach Washington, DC | Wealth Over Now Masterclass | How To Budget Without Restriction | Wealth Over Now Learn more about Jess on Instagram and Sincerely, Future You Podcast

In this episode of Money Files, I am talking about balance transfers. Debt can be scary and overwhelming. Frequently, debt is holding my clients back from doing something they really want to do. As a coach, my job is to help them overcome the fear and shame around debt and introduce a financial plan  that helps my client pay down debt or get out of feeling like they’re in the paycheck to paycheck cycle. Tune in to hear my recommendations about when it is advantageous to leverage a balance transfer. I also explain the steps you need to take to use a balance transfer as a tool to  pay off debt successfully. The key to financial success is creating a plan you can stick to and feel good about maintaining. The end goal is to make your money work for you by freeing up cash flow so you can spend on things that really matter to you. So before committing to a balance transfer, listen to this episode and consider… [00:06:28] When should  I consider using a balance transfer to help me be able to pay off debt and be able to free that money up in my cash flow so that way I can be using this money towards something else. [00:13:12]The real cause of your debt. I need you to be honest with yourself and ask yourself “why am I in debt?” [00:14:10] It’s not enough for you to know the amount of money you want to pay down towards your credit card. The secret for not having to be in this cycle is to prepare for the things in your life that go outside of bills. Tune in to this episode of Money Files to learn how to leverage a balance transfer to pay off debt sooner and without shame. Get full show notes and the episode transcript: https://wealthovernow.com/how-to-make-a-balance-transfer-successful/ Links mentioned in this episode… Set up a call | Financial Coach Washington, DC | Wealth Over Now Masterclass | How To Budget Without Restriction | Wealth Over Now How To Break the Debt Cycle By Understanding Your Spending Habits | Money Files  Reshaping How You Think About and Plan For Extra Income | Money Files

In this episode, I discuss the magic of my five-month coaching container. The most valuable part of my coaching program is that we get to do life together. As your coach, I am more than just an app or an envelope system. I will spend those five months engaged and learning about who you are, your values, and your feelings about money. I acknowledge that finances are super personal, and talking about money can bring out feelings of vulnerability. As your coach, I am by your side to dive deep into those feelings of fear or shame. The five-month coaching session is more than just learning how to manage money; it's also learning how to manage your emotions and build financial confidence. You are uniquely you, so while every container starts with a three-step plan and 30-day projection, all of the goals we work towards are based on what you want and your beliefs about money. The five-month container aims to help you understand your numbers by building financial awareness. We work on managing your money beyond the balance in your bank account so that you can feel confident making decisions about your finances. I am so proud to coach my clients. Our relationship is far beyond a static spreadsheet. I am here to empower you to confidently manage your finances and make decisions about money that you feel good about. While listening to this episode, I go over key components of my five-month coaching container including… [00:12:04] You are going to believe in your ability to manage your finances and that is the fundamental thing that I love to see built within all of my clients. [00:13:04] In the first 30 days what we are focused on is getting to know your numbers [00:17:57] Then we have four months to do life together. In the months that come after that first month, you’re learning how to not just manage your money from the balance in your bank account. Tune in to this episode of Money Files to learn how my five-month coaching container will help you build financial awareness and confidently take control of managing your money. Get full show notes and the episode transcript: https://wealthovernow.com/the-5-month-coaching-container---explained/ Links mentioned in this episode… Set up a call | Financial Coach Washington, DC | Wealth Over Now How Financial Coaching Transformed Amy and Jennifer’s Joint Finances

In this episode of Money Files, I am talking about underearning. After talking to my friends and clients, I confirmed that too many women accept being underpaid. The idea that it is okay to accept less money until you prove yourself is fundamentally flawed. It is rooted in the belief that you are less than. You are worth a higher salary. You can achieve bigger revenue numbers in your business. I believe in you and I empower you to believe in yourself. You deserve to make more money. Don’t feel guilty or greedy or feel like you owe your employer for investing in you. Your value and what you bring to the table every day is worthy of that higher check. So I encourage you to step back and assess your current financial situation. Consider what you would do with more money. Push away any negative thoughts - those are just holding you back. Instead, focus on the positive because those thoughts will empower you to succeed. While listening to this episode, consider these statements and how they relate to your feelings about money… [00:04:18] Wherever you are - if you are a business owner or if you work a 9-to-5 role, I need you to ask yourself the question, What would happen if I made more? [00:05:15] I need you to ask yourself what would happen if I made more. And that leads me to wanting you to really define the purpose of money in your life. But then also think about what comes up for you as you think about making more money. Tune in to this episode of Money Files to understand why It’s Not About Proving Yourself To Make More Money. Get full show notes and the episode transcript: https://wealthovernow.com/how-to-stop-allowing-yourself-to-underearn/ Links mentioned in this episode… Set up a call | Financial Coach Washington, DC | Wealth Over Now

In this episode of Money Files, I am talking about debt. So many of my clients come to me feeling overwhelmed about the amount of debt they have accumulated. It’s time to learn how to be intentional with your debt and move through your shame or fear about owing money. I want you to have a healthy relationship with debt and be able to assess your debt without judgment. While listening to this episode, I challenge you to consider who taught you about debt. Your first understanding of debt shaped how you perceive owing money now. Therefore, it is essential to understand when your feelings about debt started so you can move past the shame and create an effective money plan for the future. Next, I want you to think about what you were able to buy with your debt. You will be surprised to realize that most of your debt was accumulated in investments like buying your home, healthcare procedures, or education. Learning what you are willing to spend money on and go into debt will empower you to make smart financial decisions in the future. While listening to this episode, think about your answers to these questions… [00:01:45] Who taught me about debt? [00:02:57] What beliefs do I hold about debt? What am I willing to go into debt for? What am I not willing to go into debt for? [00:04:00] What do I make debt mean about my success? [00:08:00] What has your debt afforded you? Tune in to this episode of Money Files to learn how to be intentional with your debt and move through the shame or fear you have about owing money. Get full show notes and the episode transcript: https://wealthovernow.com/how-to-take-the-shame-out-of-debt/ Links mentioned in this episode… Set up a call | Financial Coach Washington, DC | Wealth Over Now

Money circumstances can happen at any time. Things like overdraft fees, missed payments, or unexpected credit card bills can be money triggers. At lower salary levels, these circumstances are normalized, but as you grow your income, it is scary to experience something that feels like a step backward in your money journey. I want you to feel empowered to handle money triggers in both your business and personal finances. In this episode, I am equipping you with tools so that you know what to do when you get a big credit card statement or have a bad month in your business. Fear is paralyzing and it keeps you from making changes and continuing with your financial plan. I will help you manage self-talk to overcome self-doubt and money insecurities. My goal is to help you experience money differently and become confident enough in your ability to manage money so that triggers don’t bother you anymore. I encourage you to look at your spending without judgment and logically analyze how you got to the place you are in with money. These tools will support your future self in achieving stability and confidence with your finances. In this episode, answer these questions… [00:12:32] What are my money triggers? What are the things that make you feel insecure when it comes to your finances? [00:13:15] How do I want to handle my money triggers? What is going to be your first response? [00:13:36] How will you manage yourself when you experience a trigger? Tune in to this episode of Money Files to move through shame and fear caused by money triggers and create a plan that confidently manages your finances. Get full show notes and the episode transcript: https://wealthovernow.com/how-to-navigate-money-triggers-without-self-judgment/ Links mentioned in this episode… Masterclass:  Three Keys to Drama Free Spending Set up a call | Financial Coach Washington, DC | Wealth Over Now

In this episode of Money Files, I sit down with my mom to talk about how her early experiences with money shaped how she taught my siblings and me about finances. My Mom got her first job very young and used her paycheck to save for new school clothes. Her commitment to saving has remained constant throughout her life. We also discuss how my journey with money began. I remember always hearing the word “budget” at home. When I got my first babysitting job, I worked hard to grow my young business and save. The foundational principle of putting money aside for a rainy day led me to get my first bank account and start making my own purchases. As I talk with my Mom, it becomes evident that my parent’s dedication to saving influenced my financial choices from a young age. Finally, my Mom and I touch on the intentional sacrifices my parents made to support my siblings and me. I ask how they decided what to spend money on and how those spending boundaries were formed. Learning about the similarities between my mother’s relationship with money and mine is interesting. I hope you enjoy our banter as my mother and I reminisce about my childhood and our money memories. I also encourage you to have a discussion with whoever your biggest financial influence was as a child to see how those early conversations have shaped your feelings about money. In this episode, I speak to my mother about… [01:42:00] What was your experience growing up with money? [00:04:07] Is (the importance of saving) what you took away from the lessons learned as a child when it came to managing money? How did that shape how you handled money as an adult? [00:07:29] You and daddy got married in 1975. What conversations did you guys have about how you wanted to manage money? Tune in to this episode of Money Files as I sit down with my Mom to talk about how her early experiences with money shaped how she taught my siblings and me about finances. Get full show notes and the episode transcript: https://wealthovernow.com/how-my-parents-influenced-my-relationship-with-money/ Links mentioned in this episode… Set up a call | Financial Coach Washington, DC | Wealth Over Now 2023’s Biggest Question: Why Do You Want To Be Rich? - Wealth Over Now Masterclass:  Three Keys to Drama Free Spending

In this episode of Money Files, I am starting the conversation about retirement. There is so much embarrassment around learning how to save for the future. Many of my clients think 401(k)s and IRAs are something they should just magically understand, despite never learning about saving for retirement from their parents or teachers. They are embarrassed to ask questions and admit they don’t know if they are doing the right things to prepare. I am here to give you permission to stop feeling guilty or embarrassed about where you are right now with saving for retirement. 401(k)s and IRAs are relatively new entities and they aren’t something we were educated on. Saving for retirement is not done in the same way as when our parents were working. Their jobs provided pension plans or company stock options. Saving for retirement wasn’t a common practice. I want to erase the stigma or shame around retirement knowledge. I encourage you to find a financial advisor or certified financial planner and ask questions. It is okay to not know the ins and outs of 401(k)s and IRAS. Write down a list of questions and allow yourself to be honest with your feelings about retirement. It is important that you feel comfortable with your financial plan for the future. I assure you that wherever you are now is a buildable starting point to reach your goals. If you are someone who feels guilty or embarrassed about saving for retirement I want you to listen to this podcast and remember… [00:09:34] The 401(k) is a relatively new tool [00:18:58] Enlist financial support from someone who is willing to educate you as you ask questions [00:19:52] You don’t know what you don’t know when it comes to thinking about 401(k)s or 403Bs Tune in to this episode of Money Files as I start a conversation on retirement and invite you to give yourself permission to stop feeling guilty or embarrassed about where you are right now with saving for retirement and start educating yourself so that you can establish the desired financial plan for your future. Get full show notes and the episode transcript: https://wealthovernow.com/stop-feeling-guilty-about-not-knowing-your-retirement-plan/ Links mentioned in this episode… https://wealthovernow.com/appointment 30 | The Difference Between Financial Coaching and Financial Planning Masterclass:  Three Keys to Drama Free Spending

In this episode of Money Files, I share more about my background and what inspired me to not only start my business but to continue to build wealth throughout my life. I am a first-generation college graduate. My parents supported and blessed me with the opportunity to follow my educational and career dreams. At a young age, I recognized I did not want money to be an obstacle in my life. A friend of mine recently asked, “Why do you want to be rich?” For me, that answer lies within my values of community and family. My purpose in building wealth and in building my business is to create bigger and better opportunities for future generations. My vision with my money is to use it to create change. I want to develop generational wealth and influence so that my nieces and nephews have a better starting spot in their adult lives than I did. I am passionate about education and helping underserved communities. Whether this passion evolves into a nonprofit or building an organization, I just know that the core reason I want to be rich is to help others and help my community. Money is an excellent resource. But the vision behind wealth is just as important as the money itself. I hope that hearing about my life experiences and my goals inspires you to step out of the place you are in now. I challenge you to dream and shift your perspective.  Working with a coach is a great first step to getting on the path to obtaining that dream. While you listen to this episode, I want you to think about your own values and why being rich is important to you. Get inspired and start the work towards building your future and dreaming bigger. In this episode I challenge you… [00:18:56] I just want you to sit with that question: why do you want to be rich? Why do you want to be wealthy? And get clear on that picture for yourself. [00:24:23]  I want you to choose something this week that scares you. I need you to do it. Tune in to this episode of Money Files to hear a bit about my money story and my purpose for building wealth. Get full show notes and the episode transcript: https://wealthovernow.com/2023s-biggest-question-why-do-you-want-to-be-rich/ Links mentioned in this episode… https://wealthovernow.com/appointment Masterclass: Three Keys to Drama Free Spending

One of the hardest things about running your own business is managing your personal paycheck. In this episode of Money Files, I discuss the three budgets every entrepreneur needs to set to create financial confidence. Having a multi-angled personal paycheck plan removes the stress from revenue fluctuations. Regardless of good or bad months, this plan will keep your mind focused on selling and growing instead of worrying about shifts in cash flow. Personal and business finances are strongly connected when you own your own business. Knowing how much to pay yourself and when to write that personal check is easier than you think. I encourage you to look at your numbers and establish three budget angles: gold, silver, and bronze. The silver budget represents what you currently pay yourself. This amount is the midpoint that the gold and bronze levels are based on. Think of the bronze budget as your bare minimum. This figure should cover how much money you need for the essentials. Comparatively, the gold budget is your dream income. That paycheck covers goals a level up from where you are now. Establishing three budgets will give you confidence in your finances. Cash flow and paychecks fluctuate when you are your own boss. Some months you make record numbers, while the following months might only bring in half that amount of revenue. Entrepreneurs experience so much stress around worrying about financial unknowns. I will help you create a plan involving gold, silver, and bronze budgets. Together we will deep dive into your personal and business finances and put your money worries to rest. While listening to this episode, I want to guide you in considering… [00:07:11] What is the personal paycheck that I need? What do I need to make sure that I am able to pay for and then how does that inform my business goals? [00:05:57] That your ability to make money decisions in your business is going to be grounded in you knowing your numbers. And the numbers I want to talk about today are actually going to be on your personal side. Tune in to this episode of Money Files to learn the three budgets every entrepreneur needs to establish to create financial confidence. Get full show notes and the episode transcript: https://wealthovernow.com/three-budgets-every-entrepreneur-needs/ Links mentioned in this episode… https://wealthovernow.com/appointment 23 | How to Create Consistency With Fluctuating Cash Flow Masterclass: How to Budget Without Restriction

I don’t know about you, but I am tired of opening up my social media and being overwhelmed with posts about New Year's resolutions. It is great to set goals, but the pressure to establish an intention for 2023 seemed stronger than usual to me. It got me thinking about how you might be thinking about your finances this year and what those goals or intentions look like. I often see clients bring a diet mentality to their budget goals. They force themselves to be super restrictive with their spending. While there are little wins here and there, no-spend challenges end in failure. It is not sustainable. I am here to tell you budgeting doesn’t have to be about restriction. I can help you map out a plan that you will stick to long term. You can reach your money goals without missing out on things you enjoy doing like traveling and going out with friends. I encourage you to ask yourself how you really want to feel about your finances and what would make you feel confident when looking at your bank account. I invite you to join me Wednesday, January 18 at 12:30 PM Eastern standard time for my money class called, ‘How to Budget Without Restriction.’ Registration is available on my website. Come learn with me and take control of your money and reach your goals. I am excited to support you in 2023 in creating a system that allows you to manage your finances drama free. While listening to this episode, I want you to think about… [00:11:10] What type of money system you desire to have that is in alignment with your lifestyle [00:16:09] How do you desire to experience money, long-term and what feelings are you trying to generate? Tune in to this episode of Money Files to learn how to budget without restriction. Get full show notes and the episode transcript: https://wealthovernow.com/setting-sustainable-money-goals-for-2023/ Links mentioned in this episode… https://wealthovernow.com/appointment 32 | How Financial Coaching Transformed Amy and Jennifer’s Joint Finances Masterclass: How to Budget Without Restriction

Today I sat down with my client, Lauren who just celebrated her 1 year anniversary of working with me. Just like you, Lauren struggled with wanting to pay off debt and wanting to spend money on things like travel or experiences. As much as she tried, even with a budget of her own, she was not able to pay off and stay out of debt. Lauren made the decision to ask for financial help after listening to one of my clients share her story on the podcast. It was only fitting to have her journey come full circle and invite her on my podcast to share her financial accomplishments. She started her journey with the goal to break out of her debt cycle and put aside money to do things that she loves. She wanted to spend money on travel without feeling guilty or adding to her debt. By setting money aside for a travel fund every month, she was able to pay down debt, establish a healthy emergency fund, and go on several trips this year. She reached all of her money goals without sacrificing fun or needing to earn additional income. If you are like Lauren - if you know you are making more than enough money to support your goals, but still end up short at the end of the month, I can help you. Together we will align your spending and saving patterns with what matters most to you. I hope Lauren’s story inspires you to start on your own journey with me to reach financial freedom and happiness. In this episode, Lauren will answer… [00:01:43] What made her reach out for coaching? [00:22:30] Outside of paying off debt and building up savings, what her desires are, and how her money funds those priorities? [00:24:41] The results she is most proud of after applying what she has learned in coaching. Get full show notes and the episode transcript: https://wealthovernow.com/how-lauren-paid-off-30000-in-credit-card-debt-and-saved-10000/ Links mentioned in this episode… https://wealthovernow.com/appointment

If you are someone who wants to make a change in your finances as a goal for the New Year but are unsure where to start, I want to show you that your goals are possible. I am sharing a recent client panel from my most recent webinar of women who started their financial coaching journey with me in the last two years. Before working with me, they were experiencing the same fear and hesitation around managing money that you are right now. These women all started with me unsure of whether or not they could be helped. They went from being stressed and ashamed of their financial situations to confidently saving and reaching financial goals like home ownership, starting a business, and paying off credit card debt. If you are on the fence about asking for help with your finances, listen to their experiences. You will certainly borrow inspiration from my client’s stories. Just like you, they started their coaching journeys unsure of what the outcome would be. How was coaching going to be different than any other way they have tried before? Now, they are empowered to take control of their futures and confident about their financial security. I hope their stories give you the confidence to make a decision about working with me in  2023 even if you don’t feel ready. You can change how you relate to money and make a path forward to achieving money wins. In this episode, you’ll hear thoughts from the client panel on… [00:3:07] How you can shift your thoughts and feelings about finances [00:6:07] How coaching is different than any other system that you’ve tried before [00:10:12] Money shifts that you can experience [00:31:52] The results that are possible when you move towards achieving your money goals [00:19:21] What else can be uncovered because you engaged in this work Get full show notes and the episode transcript: https://wealthovernow.com/life-after-coaching-three-women-share-their-financial-transformations/ Links mentioned in this episode… https://wealthovernow.com/appointment

One of the common financial challenges I see with six-figure and high-income earners is that they outsource their financial awareness to the amount of money they make. If you’re making more than you’ve ever made before and you still wonder if you’re doing the right thing with your money or you feel like you should have more to show - you’ve probably outsourced your financial awareness. In this episode, you will learn why it’s important for you to create a financial system that allows you to spend money on travel while you also build towards your goal of creating a five or even six-figure savings account. In this episode, you’ll learn: [01:04] What is outsourcing your financial awareness [03:32] The fear of financial restriction and how it can lead to stagnation [05:40] How to take ownership of your finances to have more control and live the lifestyle that you desire [10:32] How to shift from thinking like a struggling $30k earner to someone who makes six figures and is in control of their numbers Tune in to this episode of Money Files to learn more about creating a money system that allows you to spend your money drama-free and craft the financial results you desire. Get full show notes and the episode transcript: wealthovernow.com/how-six-figure-owners-outsource-their-financial-awareness/ Links mentioned in this episode… https://wealthovernow.com/appointment

Proactive is the word I’d use to describe the client I’m chatting with this week. She dared to reach out to work with me even though she was in an okay place with her finances so she could move from good to great. Nicole started working with me early last year after getting a lump sum of money from refinancing her condo. After talking to her financial advisor, she quickly realized she needed a coach to help her make decisions and work with her on her money mindset. She wanted to understand how she could reframe her spending habits to get what she wanted out of her finances. In today’s episode, you’ll hear Nicole share the significant shifts she has made since working with me. In this episode, you’ll learn — [01:19] What motivated Nicole’s initial contact and the financial hurdles that made her reach out and work with me [09:02] How our coaching partnership has shifted Nicole’s mindset, financial control, and ownership in her business [24:37] How to create the freedom to do what you enjoy without worrying about money. [27:17] How Nicole feels after investing in herself to the level she is now and why it’s priceless [30:11] Setbacks that Nicole has been able to navigate after working with me and the lessons she has learned [34:56] Nicole’s biggest takeaway for someone who wants to move from good to great Tune in to this episode of Money Files to learn more about Nicole’s story, how you can reframe your mindset and make shifts in your personal and business finances. Get full show notes and the episode transcript: https://wealthovernow.com/how-nicole-shifted-her-finances-from-good-to-great/ Links mentioned in this episode… https://wealthovernow.com/appointment

If you are in a 9-5 job and in a position where you want to create your transition plan to work for yourself, you’re not alone. It’s been almost two years since I left my job to work full-time in my business. When I first started working for myself I used my savings and contract work to manage my expenses but went back to full-time employment to rebuild my savings. I learned a lot and today I want to share my personal story of transitioning from a 9-5 to working for myself full-time. Building your business and creating a financial safety net to quit your job is all about creating an exit plan. If you’re looking to create your own financial exit plan this episode is for you. In this episode, you’ll learn… [00:36] How working and building your business at the same time can help you plan your exit strategy and how I did it [04:10] Six steps to help you prepare to leave your job and go full-time into your business and how they worked for me [06:26] 1. Separate your personal and business finances to prepare yourself for effective decision-making and financial success [07:42] 2. Prepare your business finances by creating your budget and breaking it down [09:25] 3. Determine what your ideal financial safety net looks like that will help you feel safe to leave your job [10:30] 4. Know your numbers and how much you will pay for hidden numbers, such as taxes, PTO, and healthcare, and incorporate them into your business budget. [15:19] 5. Determine your paycheck and the scale to use as you move from bronze, silver, to gold budget in your business. [17:29] 6. Be clear on your income goal; If your income goal is $100,000, determine what your income will allow you to do and how much you need to make in a month. Tune in to this episode of Money Files to learn more about the six steps and how you can implement them to create financial safety to leave your job and make a smooth transition. Get full show notes and the episode transcript: https://wealthovernow.com/how-to-prepare-a-transition-plan-to-work-for-yourself-full-time/ Links mentioned in this episode… https://wealthovernow.com/appointment EP. 18 Giving Yourself Permission To Grow Your Business And Take On A Full-Time Job

One of the common challenges I see as my clients make more money is an unintentional shift in focusing on their numbers.   Most of my clients would tell you they had a budget when they were making less money - because they felt like they needed to budget.  But now that they’re making six figures or even multiple six figures they no longer feel the need to budget. This is simply because their thoughts about money and the need to budget has changed.  There is an underlying belief that budgeting is only for managing money that can barely meet your needs. Instead of thinking about budgeting as a tool to create a life you love. In today’s episode, I want to invite you to shift your relationship with your finances by teaching you a simple financial decision-making protocol that you can use at any income level. This protocol will shift your beliefs about spending money in a way that will allow you to feel in control of your finances. In this episode, you’ll learn: [00:01:24] How lifestyle creep leads to a sense of entitlement and you feel entitled to unintentionally spend money that you have. [00:02:13] The importance of creating a healthy financial decision-making protocol for yourself. [00:05:19] The benefits of building an awareness of how you spend money. [00:18:18] Why you should plan in advance on what you want to be able to say yes to. Tune in to this episode of Money Files to learn how to create a healthy financial decision-making protocol for yourself. Get full show notes and the episode transcript: https://wealthovernow.com/establishing-a-healthy-financial-decision-making-process/ Links mentioned in this episode:  https://wealthovernow.com/appointment Wealth Over Now Spending Plan

Do your financial dreams go beyond improving your credit score or paying off debt? One of the common challenges I see as a coach is that people do not allow themselves to have financial dreams outside of common financial advice like saving more money, improving their credit score, or paying off debt. When I think about my own financial dreams, even while I was in the midst of paying off my student loans and saving $50 per month, my dreams were big. I was outlining the next version of my life because while I was aware of the goal to pay down debt and save more, I also knew those challenges weren’t always going to be there. In today’s episode, I want to give you permission to dream.  What do you want life to look like after you’ve saved six months of expenses or after you’ve paid off all of your debt? Think about the things that you want to be able to say yes to, write them down and allow your brain to explore life after you reach your goals. Giving yourself permission to dream will allow you to attach a purpose for the money in your life and your brain will problem solve to accomplish your current goals while also building your capacity to dream bigger. In this episode, you’ll learn: [00:00:54] Why giving yourself permission to dream is important [00:02:40] How your dreams are incorporated in my coaching partnership [00:04:08] Selling yourself on the life that you desire to build [00:12:20] Using financial visioning to help you dream bigger [00:13:56] Ideas for your dream list [00:15:01] Establishing your goals in four areas of your life- Six Months From Now, One year From Now, Five years from now, 80 years from now Tune in to this episode of Money Files to learn the importance of giving yourself permission to dream big in order to create the life you desire. Get full show notes and the episode transcript: https://wealthovernow.com/how-to-use-financial-dreams-to-pay-off-debt-and-save-money/ Links mentioned in this episode:  https://wealthovernow.com/appointment EP. 19 Financial Visioning

I’ve worked with over 100 people since I started my coaching business and one thing connects them all, they’re worried about what they will lose if they commit to knowing their numbers. And you might find yourself thinking in a similar way, it’s normal. But it’s important to understand that prioritizing your finances is the equivalent of you choosing to put your oxygen mask on first. And when you choose to put your oxygen mask on first, you have the ability to be present in every other area of your life. And a simple shift of being financially present will allow you to see what opportunities you can choose to say yes to with more ease and confidence. In this episode, you’ll learn: [00:02:37] Why your financial fear is leading to avoidance [00:12:31] Accepting failure as part of your financial journey [00:13:32] Avoiding your finances is going to keep you creating the same results that you have right now [00:18:13] The importance of practicing financial gratitude [00:25:24] Investigate, what opportunities are you not saying yes to because you don't know your numbers Tune in to this episode of Money Files to learn the importance of knowing your numbers so you can say yes to more opportunities. Get full show notes and the episode transcript: https://wealthovernow.com/prioritizing-your-finances-so-you-can-say-yes-more/ Links mentioned in this episode: https://wealthovernow.com/appointment Tavianna’s Growing Money Confidence Tavianna’s 30-Day Money Transformation