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 PodcastMelissa’s BlogMindful Money ResourcesFor all the free stuff at Mindful Money: https://mindful.money/resourcesTo buy Jonathan’s first book - Mindful Money: https://www.amazon.com/Mindful-Money-Practices-Financial-Increasing/dp/1608684369To buy Jonathan’s second book – Mindful Investing: https://www.amazon.com/Mindful-Investing-Outcome-Greater-Well-Being/dp/1608688763Subscribe to Jonathan’s Weekly Newsletter: https://courses.mindful.money/email-opt-inCapture the most important benefit of an advisor – behavioral support – without the 1% fee: https://courses.mindful.money/membershipFor more complex, one on one financial planning and investing support with Jonathan or a member of Jonathan’s team: https://www.epwealth.com/our-team/berkeley/jonathan-deyoe/Website: https://mindful.moneyJonathan on LinkedIn: https://www.linkedin.com/in/jonathandeyoe🎙️Podcast Production & Marketing by FullCastBack to Podcast Homepage

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 ResourcesNafasi’s LinkedInNarratives Unbound WebsiteNarratives Unbound InstagramNarratives Unbound Facebook Narratives Unbound LinkedInSHEEO (Now Coralus) WebsiteNafasi’s EmailMindful Money ResourcesFor all the free stuff at Mindful Money: https://mindful.money/resourcesTo buy Jonathan’s first book - Mindful Money: https://www.amazon.com/Mindful-Money-Practices-Financial-Increasing/dp/1608684369To buy Jonathan’s second book – Mindful Investing: https://www.amazon.com/Mindful-Investing-Outcome-Greater-Well-Being/dp/1608688763Subscribe to Jonathan’s Weekly Newsletter: https://courses.mindful.money/email-opt-inCapture the most important benefit of an advisor – behavioral support – without the 1% fee: https://courses.mindful.money/membershipFor more complex, one on one financial planning and investing support with Jonathan or a member of Jonathan’s team: https://www.epwealth.com/our-team/berkeley/jonathan-deyoe/Website: https://mindful.moneyJonathan on LinkedIn: https://www.linkedin.com/in/jonathandeyoe🎙️Podcast Production & Marketing by FullCastBack to Podcast Homepage

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 ResourcesTipped Finance WebsiteTipped Finance InstagramTipped Finance FacebookBarbara’s LinkedInBarbara’s BookBarbara’s EmailMindful Money ResourcesFor all the free stuff at Mindful Money: https://mindful.money/resourcesTo buy Jonathan’s first book - Mindful Money: https://www.amazon.com/Mindful-Money-Practices-Financial-Increasing/dp/1608684369To buy Jonathan’s second book – Mindful Investing: https://www.amazon.com/Mindful-Investing-Outcome-Greater-Well-Being/dp/1608688763Subscribe to Jonathan’s Weekly Newsletter: https://courses.mindful.money/email-opt-inCapture the most important benefit of an advisor – behavioral support – without the 1% fee: https://courses.mindful.money/membershipFor more complex, one on one financial planning and investing support with Jonathan or a member of Jonathan’s team: https://www.epwealth.com/our-team/berkeley/jonathan-deyoe/Website: https://mindful.moneyJonathan on LinkedIn: https://www.linkedin.com/in/jonathandeyoe🎙️Podcast Production & Marketing by FullCastBack to Podcast Homepage

Kate Bailey is a seasoned entrepreneur and business consultant with over twenty years of in the trenches experience. She’s built two successful businesses by leading nimble, innovative teams and building strong community connections. She’s the founder of TARRA, a flex office and workspace campus with a mission to create a more inclusive and diverse business community through access to vetted business resources, education, and a powerful network of professional women. Today Jonathan and Kate discuss key money lessons from Kate’s youth, biases and obstacles that female Founders and Executives face on a daily basis, and Kate’s vision for the future of TARRA.📺 Watch on YouTubehttps://youtu.be/gzFVctvH5qcKey Takeaways01:04 – Jonathan introduces today’s guest, Kate Bailey, who joins the show to share her entrepreneurial journey and integral business lessons she learned on cash flow, debt and budgeting09:34 – A key lesson of Kate’s financial life11:56 – The origin story of TARRA and resources that TARRA offers17:53 – ‘Grumpy growth’ explained19:43 – Why Kate is primarily focused on serving women and minority business professionals23:29 – Biases and roadblocks that female founders and C-Suite executives experience26:03 – Kate’s mission and vision for TARRA31:05 – One piece of advice entrepreneurs should pursue and one thing to absolutely avoid35:30 – The last thing Kate changed her mind about and one thing that he would like people to know about her37:09 – Jonathan thanks Kate for joining the show and let’s listeners know where to connect with herTweetable Quotes“I joke that I was a bit of an accidental entrepreneur that was always waitin/g to happen because I had a very entrepreneurial spirit as a kid. My whole life, I like to joke, I was a terrible employee because I was always coming into companies and seeing everything that was wrong and wanting to fix them, but I was typically a very junior employee. And I would get very frustrated and I would leave and go do something else.” (03:07)“Every single dollar that you’re pulling in goes into that bank account, and then every single dollar that you’re spending goes out. And I think that that was the inflection moment of understanding the real world implications of credit, debt, cashflow, etc. And I always say, ‘If it’s not painful, you’re not gonna learn it.’ You can learn the theory and the general concepts behind it. But unless you are actually living that experience, you’re not gonna feel it way down here.” (06:09)“One of the things that I constantly refer back to is how mad I am that they don’t teach these skills in school - that they don’t teach basic financial accounting, budgeting, cash flow - in high school or college.” (08:21)“It was the same thing I was experiencing, this sense of isolation, a lack of high quality vetted resources. It was this constant conversation of, ‘where do I find people to hire? I don’t understand accounting.’ And there was a real desire for a collaborative workspace that didn’t feel like an office space. It was this idea of, ‘I don’t really like working from home, but I don’t want to work at a sterile office building either because that’s not really me.’ So, we would convene in coffee shops and hotel lobbies and spaces that felt a little bit more comfortable and accessible. And that’s how TARRA started.” (13:41)“In between startup and success there is nothing that I found personally that spoke to me - as a professional, as a business owner, as a woman - where I felt like I was getting high quality, affordable, accessible resources. I ended up going to business school because I couldn’t find it. And the reason I decided to go to school was to learn it for myself, but also to find a way to say, ‘how can we break this down into the right kind of content to help these business owners along their journey?’” (18:30)“There is something that is unbelievably magical about gathering women in a room together to have conversations, to problem solve. Unfortunately, and I wish I didn’t have to say this, we are still dealing with Imposter Syndrome with fear of being wrong or asking the wrong questions. I mean I hear it time and again...and our goal here is just to provide that space where you can ask hard questions.” (22:12)“I would like the media to pay a little bit more attention to just good, healthy, small businesses because it’s something that will never - to me, at least - go away.” (30:52)Guest ResourcesTARRA WebsiteTARRA InstagramTARRA LinkedInTARRA VimeoTARRA EmailKate’s EmailMindful Money ResourcesFor all the free stuff at Mindful Money: https://mindful.money/resourcesTo buy Jonathan’s first book - Mindful Money: https://www.amazon.com/Mindful-Money-Practices-Financial-Increasing/dp/1608684369To buy Jonathan’s second book – Mindful Investing: https://www.amazon.com/Mindful-Investing-Outcome-Greater-Well-Being/dp/1608688763Subscribe to Jonathan’s Weekly Newsletter: https://courses.mindful.money/email-opt-inCapture the most important benefit of an advisor – behavioral support – without the 1% fee: https://courses.mindful.money/membershipFor more complex, one on one financial planning and investing support with Jonathan or a member of Jonathan’s team: https://www.epwealth.com/our-team/berkeley/jonathan-deyoe/Website: https://mindful.moneyJonathan on LinkedIn: https://www.linkedin.com/in/jonathandeyoe🎙️Podcast Production & Marketing by FullCastBack to Podcast Homepage

Deborah Brown-Volkman is the Founder of Surpass Your Dreams, Inc. She’s a career strategist who provides both career and Executive coaching. She’s written three books on getting the most for yourself out of your career and at work, as well as a couple of books about building your own business or coaching practice. She’s an expert on all things career and today Deborah speaks to Jonathan about career planning, how to know if you’re on the right career path, and understanding the importance of developing a vision for your career. Deborah talks at length about transparency of pay, how to know if you are underpaid and what specific steps you can take to address this critical component of your career.📺 Watch on YouTubehttps://youtu.be/0KX-BGWOfpcKey Takeaways01:13 – Jonathan introduces today’s guest, Deborah Brown-Volkman, who joins the show to share her money story and her thoughts on the human component that is missing from the job market07:53 – Defining a career vs a job and ‘career planning’09:44 – How to know if you are on the right career path11:32 – The process of Becoming and developing a vision for your career15:28 – Coping with the feelings of being underpaid and resources to combat this19:41 – Transparency of pay and advice on how to address being underpaid25:08 – Why sometimes it’s as simple as asking27:17 – The importance of empowerment and overcoming fear32:47 – Coaching, career and vinyl record stores35:28 – The number one action to take before asking for more money at your job36:43 – Deborah’s latest projects, including her online career goals program37:30 – The last thing Deborah changed her mind about and one thing that he would like people to know about her40:09 – Jonathan thanks Deborah for joining the show and let’s listeners know where to connect with herTweetable Quotes“I think that Generation Z gets a bad rap. They say they don’t want to work. I don’t think that’s true. I think they just have more boundaries.” (06:27)“A job is something you do to pay your bills. A career is something that you do that you love. It should inspire you. It should light you up. It should get you excited.” (08:02)“How you found your purpose in life is when you’re doing something that you would do even if you didn’t get paid for it - it means that much to you - and that you’re just naturally good at it. I’m naturally good at writing. I’m naturally good at coaching. When I was in the workplace, my favorite part of the job was having conversations with people and coaching people. I never thought I could make it into a profession. It became my profession. It was always going to be my profession, I just didn’t realize it. And, being unhappy in your career really forces you, in a good way, to do some deep dive analysis to ask yourself who you are and what’s important to you. Your purpose unfolds over time as you go through the journey.” (10:18)“It’s good to have that outside validation because it gives you a little bit more courage to ask for it. For a long time, you would know you were being underpaid, but you didn’t really have anything to hold on to. But the research now gives you the ability to walk into someone’s office and say, ‘Here’s what I’m doing, and I’m not getting paid enough.’” (17:16)“I think that there’s a self-worth piece and a confidence piece that gets increased when you recognize what you’re worth and you go in there and you ask for it.” (26:48)“Fear only has power over you when it’s a secret.” (27:57)“You have to do your legwork. You have to do your research. You want to get a sense of what you’re doing and what it’s worth in the marketplace. That’s the number one thing to do. You can’t ask if you don’t know.” (35:50)Guest ResourcesDeborah’s LinkedInDeborah’s WebsiteMindful Money ResourcesFor all the free stuff at Mindful Money: https://mindful.money/resourcesTo buy Jonathan’s first book - Mindful Money: https://www.amazon.com/Mindful-Money-Practices-Financial-Increasing/dp/1608684369To buy Jonathan’s second book – Mindful Investing: https://www.amazon.com/Mindful-Investing-Outcome-Greater-Well-Being/dp/1608688763Subscribe to Jonathan’s Weekly Newsletter: https://courses.mindful.money/email-opt-inCapture the most important benefit of an advisor – behavioral support – without the 1% fee: https://courses.mindful.money/membershipFor more complex, one on one financial planning and investing support with Jonathan or a member of Jonathan’s team: https://www.epwealth.com/our-team/berkeley/jonathan-deyoe/Website: https://mindful.moneyJonathan on LinkedIn: https://www.linkedin.com/in/jonathandeyoe🎙️Podcast Production & Marketing by FullCastBack to Podcast Homepage

Mark Asquith is one of the UK’s original podcasting experts, known primarily as ‘The British Podcast Guy.’ He is the Managing Director and co-founder of the podcast hosting analytics and monetization platform, Captivate.fm. Mark is known worldwide as an insightful, thought- provoking and actionable podcast industry keynote speaker. Today, Jonathan and Mark discuss Mark’s funny relationship with money, the connection between brutal authenticity and success, and why Mark has remained steadfast with his definition of success. Mark speculates on the future of the podcasting industry and provides advice for anyone thinking of entering the space.📺 Watch on YouTubehttps://youtu.be/5nFDGVq-uZQKey Takeaways00:57 – Jonathan introduces today’s guest, Mark Asquith, who joins the show to share his funny relationship with money, his professional journey and what led him to podcasting11:19 – Launching his own digital agency and how Mark became known as ‘The British Podcast Guy’15:05 – Why Mark’s definition of success has never changed17:00 – Effective versus Efficient21:15 – Mark provides his thoughts on the emergence of the podcast industry27:14 – Speculating on the future of podcasting32:02 – Encouraging others to start a podcast and building an audience37:32 – One piece of podcasting advice to implement and one to avoid entirely41:09 – What makes a great podcast host43:58 – What came first: Brutal authenticity or success?44:34 – The last thing Mark changed his mind about and one thing that he would like people to know about him46:24 – Jonathan thanks Mark for joining the show and let’s listeners know where to connect with himTweetable Quotes“I think the biggest lesson you can have in money is not having any. There’s only one thing that can really teach you about money and that’s when you’ve got just about enough of it, and sometimes not enough of it. That was just a lesson from my life from pretty early on.” (02:50)“When I used to coach people, I would tell them, ‘When you’re building a business and when you’re doing something that you enjoy doing, you hold yourself to a standard that’s much higher.’ And so, when you give your perceived seventy percent you’re actually giving ninety-five percent of what anyone else would do because you hold yourself to a standard of excellence.” (12:38)“If you love what you do, you never stop wanting to do the twelve hours. It’s just that you want to do your twelve hours, if that makes sense. The definition of success has really not changed. It’s a very strict thing for me.” (15:50)“Podcasting became an industry when people like my mum understood that it was alright to get what you want when you want it as enabled by technology.” (21:29)“The podcasting industry right now has a tendency to basically just say, ‘You shouldn’t start a podcast if you’re not gonna carry on with a podcast,’ which is complete rubbish. Yeah, there might be tens of thousands or millions of dead podcasts out there but who cares? There’s loads of dead YouTube channels. I can’t go watch Firefly anymore or Jericho on TV. That’s done, it’s finished. What am I gonna do? The Godfather hasn’t been remade. It’s done.” (33:17)“The only way to succeed at anything is to be very good at it. That’s it. Money comes from being very good at something. And the only way you can become good at something is by becoming confident in that thing. And the only way you can become confident is to become competent in it. And the only way to become competent is for it to be the thing that you do all the time without needing to think about doing the thing. You’ve got to enjoy it. You’ve got to love it.” (36:59)Guest ResourcesMark’s LinkedInMark’s WebsiteMark’s InstagramMark’s TwitterMark’s FacebookCaptivate WebsiteCaptivate TwitterCaptivate FacebookCaptivate InstagramMark’s Podcasts:Spark of RebellionPodcast Accelerator Mindful Money ResourcesFor all the free stuff at Mindful Money: https://mindful.money/resourcesTo buy Jonathan’s first book - Mindful Money: https://www.amazon.com/Mindful-Money-Practices-Financial-Increasing/dp/1608684369To buy Jonathan’s second book – Mindful Investing: https://www.amazon.com/Mindful-Investing-Outcome-Greater-Well-Being/dp/1608688763Subscribe to Jonathan’s Weekly Newsletter: https://courses.mindful.money/email-opt-inCapture the most important benefit of an advisor – behavioral support – without the 1% fee: https://courses.mindful.money/membershipFor more complex, one on one financial planning and investing support with Jonathan or a member of Jonathan’s team: https://www.epwealth.com/our-team/berkeley/jonathan-deyoe/Website: https://mindful.moneyJonathan on LinkedIn: https://www.linkedin.com/in/jonathandeyoe🎙️Podcast Production & Marketing by FullCastBack to Podcast Homepage

Terrie Schauer is a property manager, real estate investor and property-management coach with over twenty years of experience. She holds a Masters and PhD from Oxford and a PhD. She is the leading authority on applying mindfulness principles to real estate investing, and has written the #1 bestselling book on the topic, Mindful Landlord . Today, Jonathan and Terrie discuss real estate investing, mindful wealth and the concept of getting to ‘enough.’ Terrie reflects on her own entrepreneurial journey, struggling with privilege and advice she has to offer on holistic wealth, financial freedom, and investing.📺 Watch on YouTubehttps://youtu.be/usByCUqRIyMKey Takeaways01:06 – Jonathan introduces today’s guest, Terrie Schauer, who joins the show to share the lessons her father instilled in her about money and entrepreneurship06:10 – Struggling with privilege and earning success11:29 – How Terrie got involved in property management and real estate investing18:18 – The Mindful Landlord20:58 – The type of real estate Terrie invests in23:03 – Recognizing and getting to ‘enough’27:55 – Terrie provides the single most important piece of advice that led to her success30:38 – One piece of real estate investment advice to avoid34:54 – Terrie’s next project36:16 – The last thing Terrie changed her mind about and one thing that she would like people to know about her37:39 – Jonathan thanks Terrie for joining the show and let’s listeners know where to connect with herTweetable Quotes“My dad used to say two things. The first sentence was, ‘In life you can be a hammer or an anvil. Be a hammer.’ And the other is, ‘If you want more money, make more.’” (04:43)“As an investor, I’m also very transparent about the fact that I started investing with my parents’ money and then that turned into something else after a while. But, I went to see dad for the down payment, and it was dad who co-signed my first couple mortgages. So I had an easier road through that than a lot of people who don’t have that support.” (10:48)“Coming from a combat sport/martial arts background, if you want to succeed in that environment, your mindset has to be so clean. And I really went through a ten year development period where I was building my martial arts career. But at the same time you have to build your mind into something very strong.” (19:42)“Getting to enough has nothing to do with luck in the sense of being cognizant of it. I think that we live in a context that’s always trying to push us for ‘more, more, more.’ So, how did I know what was enough? Well, it was a lot of work. It was a lot of introspection and a lot of mindfulness.” (23:26)“And so it’s not about the dollar figures. It’s about what network are you gonna build and are you gonna get the specific knowledge that you’re gonna be able to implement in your market. And then the best way of doing that is talking to previous grads of whatever program it is.” (32:40)Guest ResourcesTerrie’s LinkedInTerrie’s WebsiteTerrie’s FacebookTerrie’s InstagramTerrie’s BookThe Real Estate Investing Club PodcastThe Mindful Wealth PodcastMindful Money ResourcesFor all the free stuff at Mindful Money: https://mindful.money/resourcesTo buy Jonathan’s first book - Mindful Money: https://www.amazon.com/Mindful-Money-Practices-Financial-Increasing/dp/1608684369To buy Jonathan’s second book – Mindful Investing: https://www.amazon.com/Mindful-Investing-Outcome-Greater-Well-Being/dp/1608688763Subscribe to Jonathan’s Weekly Newsletter: https://courses.mindful.money/email-opt-inCapture the most important benefit of an advisor – behavioral support – without the 1% fee: https://courses.mindful.money/membershipFor more complex, one on one financial planning and investing support with Jonathan or a member of Jonathan’s team: https://www.epwealth.com/our-team/berkeley/jonathan-deyoe/Website: https://mindful.moneyJonathan on LinkedIn: https://www.linkedin.com/in/jonathandeyoe🎙️Podcast Production & Marketing by FullCastBack to Podcast Homepage

Ryleigh Klimenko is a highly sought-after business sales coach specializing in helping ambitious coaches and entrepreneurs grow, scale, and close deals. She teaches elite conversational sales and has worked for Bank of America and TD Bank, among other financial institutions, before leaving corporate to begin her coaching practice. She’s the Founder of M3Coaches and is a mentor for the new wave of heart-centered, sales-driven entrepreneurs. Today, Jonathan and Ryleigh engage in a meaningful conversation on overcoming scarcity mindset, the importance of philanthropy and the ripple effect of great leadership. Ryleigh speaks to her neverending goal of being a heart-based founder looking to help others make an impact in the world.📺 Watch on YouTubehttps://youtu.be/H68JQvzSADcKey Takeaways01:14 – Jonathan introduces today’s guest, Ryleigh Klimenko, who joins the show to share her experience with money, what she learned about money during formative years living on a Jamaican farm, and immigrating to the United States06:11 – Ryleigh’s entrepreneurial journey and how a scarcity mindset drove her to success11:09 – Finding the balance of raising children to be resilient but not codependent13:42 – How Ryleigh was able to pay off and unexpected debt of $117,000 in under 18 months21:26 – Launching her own enterprise amidst a global pandemic24:22 – Identifying unique leadership styles31:55 – A monetary ripple effect40:21 – Ryleigh provides one piece of entrepreneurial advice to implement and one thing to avoid45:41 – The last thing Ryleigh changed her mind about and one thing that she would like people to know about her50:01 – Jonathan thanks Ryleigh for joining the show, let’s listeners know where to connect with her and Ryleigh shares a special giveaway for the audience from her website M3Coaches.comTweetable Quotes“I think that the fear of ‘not having’ has always sat with me. Even as far as making the decision to have children, I said, ‘I will do anything to make sure that my children never have to experience what I had to experience.’ I wish that was the end of my story of poverty, but unfortunately when I was eighteen I was kicked out of my family’s house and I was homeless for a period of time. So, during those periods of time experiencing severe lack and severe scarcity of all money, of everything. It shifts your perspective and it makes you a little bit more resilient when it comes to how you navigate things.” (09:21)“Entrepreneurship requires resiliency. It requires you to be able to look at things, and be able to weather the storm, and to be able to realize that not everything is going to go your way. But by having strategy, by having consistency, and by continuously persevering and keeping your goals in mind, you can actually bring that to life.” (10:39)“Part of what we do is we help people identify their unique leadership style. And then, we teach them how to style-flex between different leadership modalities that they may need to step into from time to time.” (25:47)“This idea that we have to have a churn and burn game of taking as many calls as possible or sending out as many DMs, direct messages, as possible, that’s not how this works anymore. It doesn’t have to work this way.” (29:59)“The more women who have significant wealth in their hands, the more decisions that are made by people who have never actually had the ability to make these types of decisions. Money allows you to make decisions. It allows you to have more of a voice. It allows you to have your voice go further. And so, the more people that I can empower to have more of a voice, to create more impact in their communities, to create more impact in the rest of the world, it becomes a ripple effect.” (39:28)“Imperfect action consistently is gonna yield you the success that you’re looking for over perfect action inconsistently.” (43:00)“The key thing that I want to be remembered for is helping others create impact. It’s not about my own impact. It’s not about, ‘Me, me, me.’ I want to help others create a deeper level of impact. I want to help others create wealth. I want to help others shift their family perspective. I want to help others not have to go through poverty, or food insecurity, or all those things that are discomfort . And I want people to realize that being philanthropic, - giving - does not require for you to live without too.” (48:09)Guest ResourcesRyleigh’s LinkedInRyleigh’s FacebookRyleigh’s TwitterRyleigh’s InstagramM3CoachesM3Coaches EmailNews Feed EradicatorMindful Money ResourcesFor all the free stuff at Mindful Money: https://mindful.money/resourcesTo buy Jonathan’s first book - Mindful Money: https://www.amazon.com/Mindful-Money-Practices-Financial-Increasing/dp/1608684369To buy Jonathan’s second book – Mindful Investing: https://www.amazon.com/Mindful-Investing-Outcome-Greater-Well-Being/dp/1608688763Subscribe to Jonathan’s Weekly Newsletter: https://courses.mindful.money/email-opt-inCapture the most important benefit of an advisor – behavioral support – without the 1% fee: https://courses.mindful.money/membershipFor more complex, one on one financial planning and investing support with Jonathan or a member of Jonathan’s team: https://www.epwealth.com/our-team/berkeley/jonathan-deyoe/Website: https://mindful.moneyJonathan on LinkedIn: https://www.linkedin.com/in/jonathandeyoe🎙️Podcast Production & Marketing by FullCastBack to Podcast Homepage

Earning more income is one of the three crucial steps that everyone can do in order to achieve financial independence. So far this season we’ve talked about getting finances back in order after trauma, why getting into college increases your income potential, paths to entrepreneurship, resetting your mindset and creating a road map as well as hybrid professionalism. Today, Jonathan shares four core ways to earn more income and two ways to create liquidity. Jonathan touches on everything from asking for a raise, to reinvesting passive income to showcase how financial independence is possible.📺 Watch on YouTubehttps://youtu.be/1m0tkA8-yLEKey Takeaways01:12 – Jonathan speaks to why he has dedicated an entire season to earning more income and introduces today’s topic: Earning More Income & Creating Liquidity02:28 – Asking for a raise, finding a new job or taking on a part-time job10:34 – Side hustles and starting your own business14:09 – The importance of failure to success16:34 – Spending less and increasing liquidity26:41 – Turning guilty past purchase reminders into wealth-building assets27:28 – Reinvesting passive income29:14 – Jonathan recaps today’s episode and teases next week’s guestTweetable Quotes“Financial independence begins with saving and investing. Financial independence requires a pool of assets that spins off an income that covers your living expenses. And the only way you’ll ever be financially independent is by building this pool of assets.” (01:22)“The right place values you the right way. If you’re not valued, it just means you’re not in the right place.” (04:41)“This lifelong learning isn’t a sometimes thing; it’s an always thing.” (07:48)“There are lots of reasons you may want to earn just a little bit more money. Maybe you’ve got some credit card debt that you want to pay off. Maybe you want to save more towards a specific spending goal. Maybe you want to build that emergency fund. Before you take extra part time work, be sure to know your boundaries. The worst thing you can do is take away from that family time or that personal rejuvenation time.” (09:41)“I can’t begin to express how big a deal I think starting your own business can be. Even when it fails, the lessons you learn are gonna open doors. They’re going to enable you to do the next thing more successfully.” (14:09)“Fifty bucks a week in savings at seven percent interest is $34,000 after ten years. It’s almost a quarter of a million dollars after thirty years. Little things become big things in time. And little things require regular effort.” (20:07)“You can reinvest current passive income to increase the size of future passive income. Compounding is that eighth wonder of the world. It’s what happens when you gather and save your rents until you have another down payment or when you reinvest your dividends to buy more stock.” (28:46)Guest ResourcesAngelList TalentSnagAJobFlexJobsTheLaddersKhan AcademyUdemyLinkedInLearningGlassdoorSide Hustle NationThe Penny HoarderChris Guillebeau’s Side Hustle SchoolMillennial MoneySCORESmall Business AdministrationeBayBonanzaFacebook MarketplaceCraigslistOfferUpPoshmarkEtsyMindful Money ResourcesFor all the free stuff at Mindful Money: https://mindful.money/resourcesTo buy Jonathan’s first book - Mindful Money: https://www.amazon.com/Mindful-Money-Practices-Financial-Increasing/dp/1608684369To buy Jonathan’s second book – Mindful Investing: https://www.amazon.com/Mindful-Investing-Outcome-Greater-Well-Being/dp/1608688763Subscribe to Jonathan’s Weekly Newsletter: https://courses.mindful.money/email-opt-inCapture the most important benefit of an advisor – behavioral support – without the 1% fee: https://courses.mindful.money/membershipFor more complex, one on one financial planning and investing support with Jonathan or a member of Jonathan’s team: https://www.epwealth.com/our-team/berkeley/jonathan-deyoe/Website: https://mindful.moneyJonathan on LinkedIn: https://www.linkedin.com/in/jonathandeyoe🎙️Podcast Production & Marketing by FullCastBack to Podcast Homepage

Dyllen Nellis is the Founder of Dyllen’s College Essay Advice, an award-winning online course where Dyllen empowers students to discover their sense of self and effectively communicate their personal values, experiences, and potential in well-crafted college essays. In addition to being a young entrepreneur, Dyllen is an undergraduate student at Stanford University. Today, Dyllen joins the show to discuss what inspired her to launch her business and the resources that helped her curate her course, the importance of highlighting the growth journey in a college essay, and why having a commitment mindset is so critical to success as an entrepreneur.📺 Watch on YouTubehttps://youtu.be/nH-MvPwqk6MKey Takeaways00:59 – Jonathan introduces today’s guest, Dyllen Nellis, who joins the show to share her earliest memories of money, the inspiration to launch Dyllen’s College Essay Advice and her journey of self-growth08:42 – Resources that helped Dyllen curate her course10:24 – Why a college essay is critical to getting accepted13:15 – The biggest fears of college applicants and how parents can help16:45 – Two pieces of advice Dyllen would give to college applicants and one thing to not worry about at all20:10 – Dyllen’s entrepreneurial journey24:03 – Revamping and restructuring her course and the biggest challenges she’s faced as a young entrepreneur30:25 – Having the entrepreneurial mindset of commitment32:58 – What’s next for Dyllen36:00 – Another resource that has been critical to Dyllen’s success36:57 – The last thing Dyllen changed her mind about and one thing that he would like people to know about her40:40 – Jonathan thanks Dyllen for joining the show and let’s listeners know where to connect with her and learn more about Dyllen’s College Essay AdviceTweetable Quotes“It’s really funny, the first thing I ever ‘innovated’ was this thing called a ‘Joy Leaf,’ where I walked outside of my house and there was a leaf on the floor from our tree. And I took it and painted the word, ‘Joy’ on it and I thought, ‘This is my product and I’m going to put it in all of my neighbor’s mailboxes so that they will feel more joy.’ I was trying to help people in that way.” (03:27)“For me, it was an experience of self-growth. It was a whole journey that I went through, and I learned about myself in ways that I never thought was possible.” (07:32)“There are always going to be students who have the same exact scores as you, the same activities as you, the same achievements as you, and some people who are way better than you in all those categories. But nobody has your specific story.” (11:38)“And it’s something that, I feel, students have the most control over, especially when they reach the beginning of their senior year. They’re thinking, ‘Oh no. Am I good enough? I’ve done all these things, but I don’t know if it’s enough to get into these schools.’ Ok, well those things that happened, that’s in the past. Unfortunately, you cannot change those things. But you have the control and the power to write your college essays and make them amazing.” (12:40)“I learned for myself that the story is not the main experience or that challenge that you faced. Sure, that can be your starting point, but that’s not the main story. The main story is your transformation. It is the growth journey that you went through to unlearn those false beliefs, to become a better person, to strengthen your skills. All the things you learned along the way, that is the story.” (18:48)“If you have a passion or idea, it’s one thing to have that idea; it’s another thing to do it. The ‘doing it’ part is a lot of work. And so, if someone wants to do that, they better be committed. They better be fully committed to doing that work and learning on the fly.” (31:01)“I am really into personal growth and the whole mental health and well-being lens. And I think that bleeds into everything that I do, especially in my own business.” (38:30)Guest ResourcesDyllen’s LinkedInDyllen’s WebsiteDyllen’s College Essay AdviceDyllen’s YouTubeDyllen’s InstagramResources Mentioned:Gemma Bonham-Carter’s Course Creator SchoolGemma Bonham-Carter’s The Passive ProjectThe College Essay GuyMakeBooks Mentioned:College Essay EssentialsMindful Money ResourcesFor all the free stuff at Mindful Money: https://mindful.money/resourcesTo buy Jonathan’s first book - Mindful Money: https://www.amazon.com/Mindful-Money-Practices-Financial-Increasing/dp/1608684369To buy Jonathan’s second book – Mindful Investing: https://www.amazon.com/Mindful-Investing-Outcome-Greater-Well-Being/dp/1608688763Subscribe to Jonathan’s Weekly Newsletter: https://courses.mindful.money/email-opt-inCapture the most important benefit of an advisor – behavioral support – without the 1% fee: https://courses.mindful.money/membershipFor more complex, one on one financial planning and investing support with Jonathan or a member of Jonathan’s team: https://www.epwealth.com/our-team/berkeley/jonathan-deyoe/Website: https://mindful.moneyJonathan on LinkedIn: https://www.linkedin.com/in/jonathandeyoe🎙️Podcast Production & Marketing by FullCastBack to Podcast Homepage