Mindful Money

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 HomepageThis podcast uses the following third-party services for analysis: Chartable - https://chartable.com/privacy

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 HomepageThis podcast uses the following third-party services for analysis: Chartable - https://chartable.com/privacy

Benjamin Wanzo is one of the Co-Founders and Partners of ESO Ventures, a social impact organization created to help black and brown entrepreneurs build competence, increase confidence, and access capital in an environment that isn’t always supportive. Today, Ben joins the show to share the origin story of ESO Ventures, the various types of businesses they support and the importance of entrepreneurs having access to capital.📺 Watch on YouTubehttps://youtu.be/BkNdPnH8VQ0Key Takeaways00:58 – Jonathan introduces today’s guest, Benjamin Wanzo, who joins the show to share his passion for entrepreneurship and how he met his fellow co-founders of ESO Ventures, Alfredo and Martha07:27 – Ben reflects on early money lessons he learned10:43 – The origin story of ESO Ventures14:17 – Four cohorts and Ben’s role at ESO Ventures17:49 – The different types of businesses that ESO Ventures supports19:29 – An action-oriented approach22:09 – How Ben spreads his consulting talents across numerous companies26:17 – Customer Acquisition, Operations, and Access to Capital31:53 – Overcoming the hesitancy to take on debt to access capital35:14 – Ben provides one entrepreneurial practice to implement and one to avoid40:55 – The last thing Ben changed his mind about and one thing that he would like people to know about him44:27 – Jonathan thanks Ben for joining the show and let’s listeners know where to connect with him and learn more about ESO VenturesTweetable Quotes“The dream always was to become an entrepreneur. So, after I left McKinsey I became an entrepreneur and created a company called TeachBar, which was a classroom and a cafe all in one space, really to attract students to be in a learning environment and want to stay in that learning environment.” (04:07)“My football coach used to always say to me, ‘Control your own destiny.’ Of course he was talking about just winning games so we can go to the playoffs, but that message rooted in me as well. Who really controls their own destiny? Typically, if you have the right product-market fit, it’s the entrepreneur.” (08:37)“The entrepreneurs we want to serve are black and brown underinvested communities. And it’s gonna require a huge investment for them to start their businesses. So, we want to make sure that when they started their business that they weren’t making a huge investment upfront in us.” (12:25)“Entrepreneurship is a lonely space. You do it. You try it. And, if you’re not around anyone else who’s doing it, you feel like the world is on your shoulders and, if you make one mistake, it’s game over. But, what you don’t realize is there’s fifteen other people who are in that same boat with you. And if you guys can encourage or share your victories or even your losses, it just shows that this is commonplace. This milestone that I did not reach, this failure that I had, is commonplace in entrepreneurship and I just need to keep pushing forward.” (15:46)“Our primary goal is to stay action-oriented, and all of our competence-based training is pushing entrepreneurs towards action.” (19:46)“When we started this, we had the confidence and the competence in the incubator. But we quickly realized if we don’t provide access to capital, we’re essentially creating ‘Dreamers.’ And we wouldn’t make impact in our communities because they’re gonna have a great business plan, they’re gonna know how to execute it, but they’re not gonna have money.” (29:16)“Comparison is the thief of joy, but that’s what social media platforms often have people do is comparing themselves to what they see. So I just encourage folks - especially young folks and especially entrepreneurs - to get off social media for a while.” (39:28)Guest ResourcesBen’s LinkedIn: Ben’s Email: ESO Ventures: ESO Ventures LinkedIn: EDO Ventures Facebook: EDO Ventures Instagram: 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 HomepageThis podcast uses the following third-party services for analysis: Chartable - https://chartable.com/privacy

Pleasance Silicki is an ayurvedic lifestyle counselor, holistic health coach and the author of Delight: Eight Principles for Living with Joy And Ease. Pleasance has taught mindfulness, stress management and self-care in academic, corporate and private settings and today, she and Jonathan discuss grieving, the transformational power of death, and how our culture deals with death. Pleasance speaks to the importance of honoring ritual, showing up for others who are experiencing grief and practices we can implement to better understand death.📺 Watch on YouTubehttps://youtu.be/WWk2SgFpBBkKey Takeaways01:08 – Jonathan introduces today’s guest, Pleasance Silicki, who joins the show to discuss death, grief and loss05:38 – Death and culture08:06 – How we can truly show up for others going through grief16:14 – Exhaustion and transformation24:18 – The depth of grief and why there are no time limits on grief30:26 – Remembering our beloved dead and defining what healthy grief is for each of us39:23 – Jonathan reflects on feelings of guilt46:35 – Pleasance provides one practice to implement for those experiencing grief53:12 – Pleasance reflects on the importance of honoring rituals in our lives58:33 – The last thing Pleasance changed her mind about and one thing that she would like people to know about her1:02:13 – Jonathan thanks Pleasance for joining the show and let’s listeners know where to connect with herTweetable Quotes“Talking about death and grief and loss is one of the great mysteries of life. It’s the one thing we all have in common, that we’re all going to die, and everyone we love is going to die, and everything we love is going to die.” (02:32)“I’m passionate and a lover of learning, studying, and sharing wisdom traditions that have helped humans for all of time.” (06:14)“Grief is like that. Death is like that. You are different. You are transformed at a cellular level from this loss. And now your mission is, ‘What needs to change? Who am I now? How do I love myself through the grief when I’m not that productive person, when I’m not that healthy and firing on all cylinders?’” (16:14)“The sensualness of tears, of water, of the element of water and transformation is essential. And to not feel that would be completely disengaged from being embodied. And I really feel like we just need so much more embodiment in the world.” (23:58)“We want to tell the stories of our beloved dead. We want to remember. It’s so healthy, in my experience. If I could tell you about my grandmother right now, the rest of my day would be filled with her spirit because she was unbelievable and still is because she’s living through me and my children.” (33:01)“What people can do is listen to the whole body, not just the mind. What other people think you should do is where we all get messed up.” (50:43)“One of my teachers always says, ‘Prayer is right pace.’ That’s so mind blowingly awesome to me.” (53:47)Guest ResourcesLil Omm Website: Pleasance’s Book: Books Mentioned:Die Wise: 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 HomepageThis podcast uses the following third-party services for analysis: Chartable - https://chartable.com/privacy

Jillian Johnsrud is a speaker and coach within the FIRE (Financial Independence, Retire Early)community. She is also the author of Fire the Haters and achieved financial independence by the age of thirty-two. Jillian helps others chase down a life of intention and adventure on the way to Financial Independence.Today, Jonathan and Jillian engage in a rich discussion on the power of being intentional, the difference between looking wealthy and actually building wealth, and the importance of maintaining a healthy relationship with work📺 Watch on YouTubehttps://youtu.be/w0-PxGRbCe8Key Takeaways01:14 – Jonathan introduces today’s guest, Jillian Johnsrud, who shares early lessons she learned about money04:40 – Jillian reflects on marrying early and living off a modest annual salary06:04 – Looking wealthy vs. actually building wealth10:44 – Financial Independence, Retire Early (FIRE)14:32 – The flexibility that comes from maintaining a low cost of life and maintaining work-life balance18:15 – The inspiration to write Fire the Haters20:45 – Finding an incredibly supportive online community and the three distinct sections of Jillian’s book28:57 – Jillian provides one practice to implement and one to avoid33:50 – The last thing Jillian changed her mind about and one thing that she would like people to know about her38:46 – Jonathan thanks Jillian for joining the show and let’s listeners know where to connect with herTweetable Quotes“I also had this realization that money gives you options; it gives you choices. And in that moment, I desperately wanted more choices and more options than I thought we had.”(03:25)“We were not on high earning career trajectories. So, I could look rich or I could be rich. But there wasn’t going to be enough money to do both. It was one or the other. So, we opted to actually build wealth instead of just looking wealthy.”(06:47)“I define a mini-retirement as any time you step away from your 9-5 for a month or longer to focus on something that really matters to you.”(12:07)“I always internalized this narrative that creative or entrepreneurial work is for other people, for maybe more privileged people, for maybe richer people, for people who don’t need a pay check on Friday...And so I never really pursued it.”(18:47)“You don’t go through it once and then it’s done. It’s like concentric circles. Every time you grow outside of your comfort zone, there’s a little bit of discomfort there until it becomes familiar and then you grow some more.”(22:32)“It doesn’t have to be time consuming, but give it an hour a quarter to sit down and to think through, ‘Where do I really want to go? What really matters to me? What’s really important tome? What are my core values?’ Because it becomes like a filter that we can then easily and quickly make other choices with.”(30:14)“Sometimes work is a little like mint. It’s a little bit invasive and it kind of self cedes. And, if you leave it unchecked, it will spread to the entire box. And the only way you can grow mint outside of a container is to aggressively trim that back constantly; you have to police it. And for me, work is the same way.”(37:34)Guest ResourcesJillian’s WebsiteJillian’s BookJillian’s InstagramJillian’s TwitterJillian’s PodcastJillian’s Free 10-Day Video Course: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 HomepageThis podcast uses the following third-party services for analysis: Chartable - https://chartable.com/privacy

Michele Molitor is a hypnotherapist, coach, speaker, author, and Founder and CEO of Nectar Consulting. Michele has been using her intuitive insights and strategic savvy to support entrepreneurs for nearly thirty years. Today, Jonathan and Michele dive deep into Imposter Syndrome and other archetypes of self-doubt. Michele speaks to the work she has done with Rapid Transformational Therapy (RTT), the power of positive affirmations, and why it is critical to respond rather than react to self-doubt.📺 Watch on YouTubehttps://youtu.be/nf8IEpkQ_IQKey Takeaways00:59 – Jonathan introduces today’s guest, Michele Molitor, who shares where she got her entrepreneurial spirit and how working with other entrepreneurs has evolved over the years10:27 – The incredible burst of businesses in the wake of the global pandemic13:04 – Imposter Syndrome, the debilitating impact it can have, and what causes it23:44 – Social media and self-comparison27:52 – The Five Archetypes of Self-Doubt34:56 – Tips and best practices for combating self-doubt41:32 – Jonathan shares a personal story of how hypnotherapy helped him as a child43:59 – Pandemic PTSD47:33 – One practice to implement to combat self-doubt and one to avoid54:24 – The last thing Michele changed her mind about and one thing that she would like people to know about her57:07 – Jonathan thanks Michele for joining the show and let’s listeners know where to connect with herTweetable Quotes“The thought of joining the family business and being under the judgmental eye of my mom, my dad, my brother and my sister, I said, ‘Oh no. That is so not happening.’ So, I actually ran as faraway as I could possibly conceive, which was back to France for me. So, becoming an entrepreneur myself wasn’t something I expected to do. It’s something I kind a stumbled into.”(06:26)“Job security isn’t so secure anymore. People don’t stay in jobs for ten, twenty, thirty years anymore. It’s just unheard of. And there’s not that level of loyalty I think in corporations nearly as much either.”(11:05)“One of my favorite quotes is, ‘When you look fear in the face, it turns into the nothingness that it actually is.’”(16:45)“It’s a level of knowledge and expertise that you bring to the table. When you’re nineteen, you’re still green and still learning. So, I’m learning and I’m putting my big girl pants on and I’m trying to look professional, but I’m still not quite sure who I am yet. I think Imposter Syndrome qualifies more as Imposter Syndrome when you’ve grown a bit more, you’re more mature, you know who you are to degrees, and you’ve had some level of established profession.”(18:00)“No matter how hard someone tries to separate their business from their personal life, they are the human at the center of all of it. And it’s the beliefs they hold about themselves that have them show up fully or hide out - whether that’s personally or professionally.”(26:53)“We all deal with self-doubt at some point in our lives; no one escapes it. The trick is learning to recognize it in the moment more quickly, because you’re more self-aware, and then learning how to respond effectively versus react from a place of pain or fear. That’s the crux right there is how do I respond versus react. And that’s where the learning happens.”(34:20)“If we can take more time to pause in our day, to get quiet, to tune in to our own heart - our owns pirit in that place of mindfulness - to go to that void, that we can get more connected to our own higher self, our own divinity if you will, and let that inform us as to what’s needed now.”(53:10)Guest ResourcesNectar Consulting WebsiteFacebook Michele Molitor Coach PageRewire For Success group on FBMichele’s WebsiteMichele’s LinkedInMichele’s InstagramMichele’s YouTubeMichele’s BookSelf-Doubt Finder QuizOnline Course: How To Become UnshakeableMindful 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 HomepageThis podcast uses the following third-party services for analysis: Chartable - https://chartable.com/privacy

Dr. Sarabeth Berk is the leading expert on hybrid-professional identities, author of More Than My Title and an insightful TEDx speaker. Her hybrid title is Creative Disruptor because she works at the intersection of artistry, research, education, and design. Today, Jonathan and Dr. Sarabeth discuss the work she is doing to help professionals better articulate their hybrid-professional identities and the unique value that identity offers the world.📺 Watch on YouTubehttps://youtu.be/7HjnOzb7h9IKey Takeaways01:09 – Jonathan introduces today’s guest, Dr. Sarabeth Berk, who shares her eclectic background as a hybrid-professional and breaks down the three pillars of hybrid-professional identities07:23 – Intersectionality, explained12:28 – Common traits of hybrid-professionals and the inspiration behind Dr. Sarabeth’s book, More Than Your Title17:31 – Why it is important to be self-aware about your role and be able to articulate your ‘hybridity’22:58 – The five steps of identifying and articulating a hybrid professional role26:00 – The best advice for differentiating yourself as a hybrid professional28:22 – How hybridity benefits organizations31:54 – Hybridity and the evolving landscape of the workspace35:29 – The last thing Dr. Sarabeth changed her mind about and one thing that she would like people to know about her36:24 – Jonathan thanks Dr. Sarabeth for joining the show and let’s listeners know where to connect with herTweetable Quotes“I’m one of those people that’s had a multi-faceted career. I have not stayed in one thing. And a lot of that is because I always had this duality of interests. I loved academia and I loved learning, but I also loved art. And, how do you find a career that lets you be artistic but also professional and pays well?”(02:59)“My definition of hybrid-professional identity is when you have multiple hats and you work at the intersection of those different professional identities. You’re actually integrating as opposed to just separating and being many things.”(07:00)“How we see ourselves in our work is a noun. And that’s different from the title we usually are labeled. The primary research question that still exists today is ‘who are you at the intersections of your primary professional identities?’”(10:19)“And so, suddenly, my very diverse background has a connection point which is my hybridity. So it’s you being able to share your value with the world in a way where they understand you the way you want to be seen and making sense is your competitive advantage.”(20:52)“From a business ROI point of view, hybrid professionals can be at all levels of an organization. They can be at the C-Suite. They can be in management. They are people who are the silo-busters.”(31:06)Guest ResourcesDr. Sarabeth’s LinkedInDr. Sarabeth’s WebsiteDr. Sarabeth’s InstagramDr. Sarabeth’s TwitterDr. Sarabeth’s YouTube ChannelMindful 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 HomepageThis podcast uses the following third-party services for analysis: Chartable - https://chartable.com/privacy

Visionary accountant, empowerment speaker and author, Tatiana Tsoir brings her years of experience as a serial entrepreneur to the show today. Tatiana coined the term, ‘almost- preneurs,’ and helps artists, moms, creatives, and freelancers figure out how to make a living doing what they love. Today, Jonathan and Tatiana discuss the freedom that entrepreneurship offers, business resiliency, price psychology and the importance of truly understanding your value and worth as an entrepreneur.📺 Watch on YouTubehttps://youtu.be/Hnouet0ZAT4Key Takeaways01:09 – Jonathan introduces today’s guest, Tatiana Tsoir, who shares early lessons she learned about entrepreneurship10:31 – The inspiration behind Tatiana’s book, Dream Bold, Start Smart12:19 – Validating your idea before launching your business16:06 – Learning to delegate17:42 – The importance of knowing your numbers22:11 – Price psychology and understanding your value24:09 – The direct correlation between personal goals and business goals26:30 – Business resiliency31:27 – How Tatiana has pivoted in her own business35:09 – One piece of financial advice entrepreneurs should heed and one piece of advice to ignore37:34 – The last thing Tatiana changed her mind about and one thing that she would like people to know about her39:58 – Jonathan thanks Tatiana for joining the show and let’s listeners know where to connect with herTweetable Quotes“I didn’t realize that I was running a bookkeeping business until my dad said that phrase, ‘I’m an entrepreneur at heart.’ And I thought, ‘Wait a minute. I’m doing the same exact thing. It’s just a different service.’” (09:10)“I wrote the book for someone who has a business idea but cannot afford to fail. And so, when I was writing the book, I had moms and creatives in mind. This book came as a result of fifteen years of experience working with small businesses and seeing their ups and downs. I was privy to the most intimate part of it all, the finances. Seeing how people make decisions, how small businesses decide to move forward, I realized that a lot of it has to do with emotions. A lot of it has to do with emotional decisions, which is not always the right choice.” (10:42)“A lot of people are intimidated by numbers. So, I say that it has to be at least a ‘back of the napkin’ calculation. What’s the initial investment? Do you have that money? If you don’t, how do you get it? Do you look for an investor or a bank loan? Also, every investor or bank loan would ask you, ‘What’s your business plan?’” (17:53)“Once you understand what your line expenses are, you understand how much you can afford, what you will do if there are zero sales happening, and how you will cover that expense. And you’ll also need to know how to price your product or service to cover your expenses.” (21:31)“What we do personally directly affects our business. I believe that business is personal. You don’t build a business just for the heck of building a business. You build a business so that you can have a better life. And so, there’s a direct correlation between personal goals and business goals.” (25:29)“It’s my personal belief that too many entrepreneurs build on just the vision alone and don’t support it by numbers. So, the one thing that anyone can and should do is don’t fake it til you make it when it comes to money numbers and taxes. The earlier you face it, the better and the quicker you’ll go.” (35:32)Guest ResourcesTatiana’s LinkedIn Tatiana’s Website Tatiana’s Instagram Tatiana’s Book Great bookkeepers make a range of hourly rates, from $25 to $150 an hour and work from anywhere.Let Tatiana show you how: https://programs.tatianatsoir.com/bbawebregigm Books Mentioned:Get Paid What You’re WorthMindful 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 HomepageThis podcast uses the following third-party services for analysis: Chartable - https://chartable.com/privacy

Jonathan welcomes Harry Duran, Host of Podcast Junkies and Vertical Farming Podcast and Founder of FullCast. In this episode Harry shares his insights on what it takes to be a successful podcaster, including the importance of focus, productivity, and building relationships. Harry and the FullCast team also helped launch the Mindful Money podcast and support Jonathan in the production and marketing of these episodes.📺 Watch on YouTubehttps://youtu.be/cU5QXzeihLUKey Takeaways22:23 – If you want to start your own business, there are plenty of free resources available. You don't need to pay for everything up front - only pay for what will get you there faster. Focus on learning what you need to take the next step, rather than hoarding knowledge.26:20 - On building a personal brand - Take the time to build a strong personal brand that will attract an audience and make you stand out from the crowd.31:59 - The most jarring thing for entrepreneurship, coming out of that disciplined 9-5f is being responsible for your own time and having the disciplines to put in some structure.Guest ResourcesHarry’s LinkedInHarry’s Twitter Harry’s InstagramFullCast The War of Art - Steven Pressfield Work the System - Sam CarpenterMindful 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 HomepageThis podcast uses the following third-party services for analysis: Chartable - https://chartable.com/privacy

Jonathan welcomes Matthew from the Time Value Millionaire Blog to the show to discuss the FIRE Movement, side hustles, and how Matthew turned a passion for personal finance and data into a passive income stream. Matthew is currently 13.2% financially independent and today he talks about why money shouldn’t be taboo, explains Time Value Money and shares how anyone can take control of their situation and start earning more today.📺 Watch on YouTubehttps://youtu.be/VZH7N11CgcsKey Takeaways01:09 – Jonathan introduces today’s guest, Matthew from the Time Value Millionaire Blog, who joins the show to share his career trajectory and his goal to shift money from a taboo topic to something we talk about openly09:49 – The FIRE (Financial Independence, Retire Early) Movement16:45 – Why side hustles are crucial20:57 – What Matthew has learned from running his business23:30 – The origin story of the Time Value Millionaire Blog28:35 – Tips and best practices for launching a blog31:08 – How Matthew measures success35:36 – Tools that are key to Matthew’s success45:02 – Playing in the ‘Google Sandbox’ and turning blogs into revenue51:22 – Ads, affiliate marketing, and other sources of revenue56:14 – The Time Value Money, explained1:01:46 – The last thing Matthew changed his mind about and one thing that he would like people to know about him1:06:37 – Jonathan thanks Matthew for joining the show and let’s listeners know where to follow himTweetable Quotes“I guess the big lesson I learned from childhood was that talking about money shouldn’t bet a boo.”(04:33)“The whole idea behind financial independence is building the life you want and then saving for it.” (10:45)“A ‘Time Millionaire,’ as I define it, is someone who measures their wealth in terms of how much free time you have to do whatever you want.” (14:57)“I think that’s the biggest thing is just always having the long term in mind. And, if you do that you’ll always win as long as you’re consistently executing.” (23:19)“You’re totally right. Whether it’s Dungeons and Dragons or beekeeping, there’s always something that people are searching for. It doesn’t matter what topic. As long as you’re passionate about it and you like writing about it, you’re good to go.” (42:01)“I think that’s the other business model that a lot of people can pursue, which is developing your own products and selling them directly to your readers.” (55:43)“So, it’s really doing the due diligence on our part to understand what our specific data is telling us, using those historical averages from reputable websites to understand what we can expect. And then plugging the formula into a calculator and we get a realistic number on what we need to achieve our goal.” (1:01:05)Guest ResourcesTime Value Millionaire Matthew’s Email Matthew’s Twitter 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 HomepageThis podcast uses the following third-party services for analysis: Chartable - https://chartable.com/privacy