Upcoming Event!How Can Mindfulness Help You Reach Financial Independence?Do you want to reduce money anxiety, but don’t know who to trust?Would you like to learn how to set up and manage your own retirement plan?Do you want to know how we create a passive income stream you can’t outlive?If yes, join us and learn how to answer the 4 critical financial independence questions:Am I on track for financial independence?What do I need to do to get on track?How do I design a mindful investing portfolio?How do I manage that portfolio and my income over time through changing markets?Learn more: https://courses.mindful.money/financial-independence-bootcampBrad Baldridge is one of the nation’s leading college financing experts. He teaches families the best ways to plan, save and pay for college so they can make their children’s college dreams come true without wiping out their own finances and retirements. For twenty years, Brad has shared his expertise and insights through his private practice and as a blogger and podcast host for his company, Taming the High Cost of College. Today, Brad joins the show to discuss the difference between education and college, changes to FAFSA, and advice for those in both early and late stage college planning.📺 Watch on YouTubehttps://youtu.be/vMCSzxHX7n4Key Takeaways00:55 – Jonathan introduces today’s guest, Brad Baldridge, who joins the show to talk about his career trajectory from a financial advisor to one who focused specifically on college 07:08 – The difference between Education and College 10:26 – Alternative options young people can consider aside from college 13:23 – Privilege and the value of a college degree 19:13 – Early stage and late stage college planning 25:01 – College visits and entrance exams 32:09 – Changes to FAFSA (Free Application for Federal Student Aid) 39:37 – What Brad offers in his courses on college planning 42:08 – One piece of advice for college planning 45:51 – The one question Brad would want to know the answer to and one thing Brad would like others to know about him 49:22 – Jonathan thanks Brad for joining the show and for the work he’s doingTweetable Quotes“Anytime someone says, ‘college for everyone,’ it drives me crazy. There’s a whole bunch of people who need an education. But education and college are not the same thing. You can get an education by being an apprentice, going through the military, or the School of Hard Knocks.” (08:25) (Brad)“If you talk about the average student, if the professor said, ‘I’m canceling class next week,’ they would say, ‘Great!’ Not, ‘Wait a minute. I paid for those classes. I’m here to learn and now I’m getting less for my money. Am I gonna get a refund?’ It’s just a completely different mentality.” (16:41) (Brad)“‘Do you qualify for need-based aid? I don’t know. Well, here’s how you figure that out.’ And once you have this answered, if the answer is, ‘no, need-based aid is not something you have to worry about’ then you don’t have to worry about it.” (40:10) (Brad)“If education is important to you, then you better walk the walk and not just talk the talk.” (42:30) (Brad)“Ten to twenty years ago, everybody just did the best they could. And today, ninety percent of people are still doing the best they can. Ten percent have realized, ‘Oh, I can hire somebody to help me, or take a course, or study online information, or read a book.’ I think a big chunk of the population doesn’t even know that there’s something out there.” (48:16) (Brad)Guest ResourcesTaming the High Cost of College WebsiteTaming the High Cost of College FacebookLink to Brad’s CoursesBrad’s LinkedInContact Brad: (414) 885-5111Books Mentioned:Who Gets In and Why: A Year Inside College AdmissionsMindful 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

Upcoming Event!How Can Mindfulness Help You Reach Financial Independence?Do you want to reduce money anxiety, but don’t know who to trust?Would you like to learn how to set up and manage your own retirement plan?Do you want to know how we create a passive income stream you can’t outlive?If yes, join us and learn how to answer the 4 critical financial independence questions:Am I on track for financial independence?What do I need to do to get on track?How do I design a mindful investing portfolio?How do I manage that portfolio and my income over time through changing markets?Learn more: https://courses.mindful.money/financial-independence-bootcampNathalie Plamondon-Thomas is a confidence expert, a ‘Queen of Metaphors and Analogies,’ and the Founder and CEO of Think Yourself Academy, an organization offering leading edge courses, trainings and events. Nathalie combines ten years in human resources, twenty five years in Sales and thirty years in the fitness industry and has inspired over 100,000 people in audiences around the world. She’s a number one International best-selling author of fifteen books on success, wellness, communication and empowerment. Today, Nathalie joins the show to talk about her latest book, Think Yourself Confident: Fifteen Keys to Increase Confidence, Ignite Performance & Unlock Your Full Potential.📺 Watch on YouTubehttps://youtu.be/oXio4gmoIIUKey Takeaways00:48 – Jonathan introduces today’s guest, Nathalie Plamondon-Thomas, who joins the show to talk about how she shifted her mindset about money and the power of the unconscious mind12:04 – The origin of Nathalie’s Think Yourself program16:03 – Reprogramming negative self-talk20:38 – The Emotional Delivery Truck28:42 – Tips for getting out of an emotional loop or limiting belief38:15 – One piece of advice for those looking to change their mindset and one thing to completelyn avoid46:20 – Trusting your power47:48 – Jonathan thanks Nathalie for joining the show and lets listeners know where to connect with herTweetable Quotes“I realized that the biggest learning of all was not how to invest it. This knowledge exists. We know the knowledge. It starts with how you think about money in your head and all these limiting beliefs. I had to get rid of those limiting beliefs, especially that one: when you make more money, you spend more money so you always live paycheck to paycheck. So, I had to see abundance differently. I had to change my mindset about money.” (03:14) (Nathalie)“The unconscious mind can handle 2.3 million pieces of information every second. Five to nine, for the logical mind, but 2.3 million for the unconscious mind. That is where the power is and that is what you want to tap into. And I call this your ‘personal assistant.’” (11:41) (Nathalie)“In your prefrontal cortex all emotions are created equally. Your brain doesn’t know the difference between anxiety or excitement. So if you choose it’s anxiety, you will pollute yourself with 1,400 chemicals - cortisol that is gonna slow you down. Or you can choose that it’s excitement or curiosity. If you go into excitement or curiosity, your brain will send feel-good chemicals through your bloodstream and make you very resourceful to face whatever it is that you’re facing.” (27:38) (Nathalie)“You’ve heard of affirmations. A lot of people do affirmations. The problem is affirmations don’t work if you don’t believe them. And, very often, there’s way too much of a disconnect between the reality and the affirmation.” (30:11) (Nathalie)“And that’s what I do. I remove people’s triggers so that you don’t have to respond to an event, or a comment, or a behavior in that specific way.” (44:55) (Nathalie)Guest ResourcesThink Yourself WebsiteNathalie’s LinkedInSchedule a Call with NathalieNathalie’s EmailNathalie’s YouTube ChannelLink to 22 Questions to Face StressNathalie’s FacebookNathalie’s Books:THINK Yourself CONFIDENTTHINK Yourself POSITIVETHINK Yourself THINTHINK Yourself GRATEFULThink Yourself CLEAN From the Inside OutThink Yourself SuccessfulThink Yourself a RELATIONSHIPS PROThink Yourself HEALTHYMindful 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

Upcoming Event!How Can Mindfulness Help You Reach Financial Independence?Do you want to reduce money anxiety, but don’t know who to trust?Would you like to learn how to set up and manage your own retirement plan?Do you want to know how we create a passive income stream you can’t outlive?If yes, join us and learn how to answer the 4 critical financial independence questions:Am I on track for financial independence?What do I need to do to get on track?How do I design a mindful investing portfolio?How do I manage that portfolio and my income over time through changing markets?Learn more: https://courses.mindful.money/financial-independence-bootcampSherry Smith is the Executive Director of Berkeley Community Scholars, where she creates pathways for deserving, but under-resourced, students. With thirty-five years spent in education, Sherry focuses on college selection, college admission, financial aid, and matriculation, especially in underserved, under-resourced, and first-generation college students. Today, she joins the show to talk about the inspirational work she is doing at Berkeley Community Scholars, the value of a college degree, and the inequality of college access and how she and her team are trying to combat it.📺 Watch on YouTubehttps://youtu.be/npjloxQjFi8Key Takeaways00:49 – Jonathan introduces today’s guest, Sherry Smith, who joins the show to talk about her first recollections of money and her career in education before joining Berkeley Community Scholars13:46 – Helping under-resourced kids achieve a college degree20:16 – Statistics on inequality of college access28:52 – Advisors and mentors33:45 – The necessity of resourcefulness46:55 – One piece of advice for high school students preparing to enter college and one thing to completely ignore51:46 – How to support Berkeley Community Scholars53:58 – The last thing Sherry changed her mind about54:25 – Jonathan thanks Sherry for joining the show and lets listeners know where to connect with herTweetable Quotes“From that, I decided that, if I wanted to do education - which I really wanted to do - then I needed to become even more educated in ways that I could actually be more impactful for more people than just the students that I was seeing.” (08:33) (Sherry)“We want everyone to be able to go and get a college degree. And we are unapologetic that we think a college degree allows a student to have a fighting chance to have success in their life. And they get to decide what that success is.” (14:19) (Sherry)“When you said, ‘What are you trying to solve?’ There are so many ‘isms’ in our country. Racial equity is a huge one. Economic insecurity is another one. Gender is another. We’re trying to make sure that our students feel full no matter who they are, where they come from, or what their circumstances are.” (16:06) (Sherry)“Yes, you have to be resourceful, otherwise you die. Yes, you have to be creative because otherwise you die. You figure it out and you have to figure out, at some point, how you emotionally deal with that.” (34:13) (Sherry)“It’s having those kind of conversations with our scholars, which is really both fun and enlightening, but also allows all of us to step back and say, ‘We’re really that piece of sand, but how do we make the difference while we’re here for ourselves, and then build the community that is really rich, not so much in things, but in each other?’” (38:07) (Sherry)“Try something new. Go out there and meet other people on your floor. Join that club. Go do something that you have no idea what that is just to get your mind and your juices flowing and you’ll realize, ‘Oh wow! I didn’t know that even existed.’” (47:33) (Sherry)“Take the time to find what you really love because if you love something, it doesn’t become so much about work. It becomes, ‘How do I fit into community? How do I make my community and life better?’ So, find that because you’ll willing to work hard at that.” (48:17) (Sherry)Guest ResourcesSherry’s LinkedIn: https://www.linkedin.com/in/sherry-ann-smith-50188111/Sherry’s Email: sherry@berkeleyscholars.orgBerkeley Community Scholars Resources:Wesite: https://berkeleyscholars.org/Facebook: https://www.facebook.com/berkscholars/Instagram: https://www.instagram.com/berkscholars/?hl=en Linkedin: https://www.linkedin.com/company/berkeley-community-scholarsBooks Mentioned:The Start of a Whole New You: https://www.amazon.com/Start-Whole-New-You-Wholeness/dp/1709356235Mindful 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

Upcoming Event!How Can Mindfulness Help You Reach Financial Independence?Do you want to reduce money anxiety, but don’t know who to trust?Would you like to learn how to set up and manage your own retirement plan?Do you want to know how we create a passive income stream you can’t outlive?If yes, join us and learn how to answer the 4 critical financial independence questions:Am I on track for financial independence?What do I need to do to get on track?How do I design a mindful investing portfolio?How do I manage that portfolio and my income over time through changing markets?Learn more: https://courses.mindful.money/financial-independence-bootcampCarol Graham is interim Vice President and Director of the Economic Studies program at Brookings, College Park Professor at the University of Maryland, and a Senior Scientist at Gallup. Her books include: The Power of Hope: How Wellbeing Science Can Save us from Despair , The Pursuit of Happiness: An Economy of Well-Being , and Happiness Around the World: The Paradox of Happy Peasants and Miserable Millionaires , among others. Today, she joins the show to expound on her passion for helping to improve the lives of others, the power of mentorship and the connection between hope and life satisfaction.📺 Watch on YouTubehttps://youtu.be/YAERSEnN6CAKey Takeaways00:54 – Jonathan introduces today’s guest, Carol Graham, who joins the show to discuss her background as an immigrant from Peru, why America is no longer the land of opportunity, and her passion for helping to improve lives and end poverty15:41 – Measuring hope and life satisfaction22:20 – Why hope matters31:36 – The power of mentorship36:27 – How do we manage for hope42:47 – The impact of technology and social media on despair51:04 – One thing Carol would change about the system54:20 – One thing Carol would like others to know about her and the one question she would want to know the answer to56:24 – Jonathan thanks Carol for joining the show and lets listeners know where to connect with herTweetable Quotes“More recently, I would say what has been eroding our democracy in part is that erosion of our shared cohesiveness as a society and the shared belief that people used to have that they could get ahead, that this was the land of opportunity. And it’s really not.” (06:14) (Carol)“Less happy people care more about money. Happy people care more about learning and creativity.” (14:26) (Carol)“Hope is really linked to better future outcomes for people. People who have hope for the future end up doing better in life. It’s not rocket science. If you believe you have a future, you’re more likely to invest in it.” (22:35) (Carol)“Despair actually takes people’s agency away. And it isn’t just their income or their employment. It’s their ability to conceive of a different future and to do something about it.” (34:42) (Carol)“People with low levels of well-being have worse outcomes in life. And part of it is because low levels of well-being affect your behavior.” (38:53) (Carol)“To get people out of their isolated, desperate shells and back into the community is a first step. It’s the first step towards restoring meaning and purpose in life which, again, starts to restore hope.” (49:24) (Carol)Guest ResourcesCarol’s LinkedIn: https://www.linkedin.com/in/carol-graham-45a2a82a/Carol’s Profile on Brookings: https://www.brookings.edu/experts/carol-graham/Carol’s Email: cgraham@brookings.eduCarol’s Books:Improving the Odds: Political Strategies for Institutional Reform in Latin America: https://play.google.com/store/books/details/Carol_Graham_Improving_the_Odds?id=r9B5DwAAQBAJ&hl=en&gl=USSafety Nets, Politics, and the Poor: Transitions to Market Economies: https://www.amazon.com/Safety-Nets-Politics-Poor-Transitions/dp/0815732287Private Markets for Public Goods: Raising the Stakes in Economic Reform: https://www.amazon.com/Private-Markets-Public-Goods-Economic/dp/0815732295Happiness and Hardship: Opportunity and Insecurity in New Market Economies: https://www.amazon.com/Happiness-Hardship-Opportunity-Insecurity-Economies/dp/0815702418Happiness Around the World: The Paradox of Happy Peasants and Miserable Millionaires: https://www.amazon.com/Happiness-Around-World-Miserable-Millionaires/dp/0199606285The Pursuit of Happiness: An Economy of Well-Being: https://www.amazon.com/Pursuit-Happiness-Economy-Well-Being-Brookings/dp/0815724047#:~:text=Book%20details&text=In%20The%20Pursuit%20of%20Happiness,happiness%22%22%20into%20public%20policymakingHappiness for All?: Unequal Hopes and Lives in Pursuit of the American Dream: https://www.amazon.com/Happiness-All-Unequal-Pursuit-American/dp/0691204551Other Books Mentioned:Our Kids: https://www.amazon.com/Our-Kids-American-Dream-Crisis/dp/1476769907Mindful 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

Upcoming Event!How Can Mindfulness Help You Reach Financial Independence?Do you want to reduce money anxiety, but don’t know who to trust?Would you like to learn how to set up and manage your own retirement plan?Do you want to know how we create a passive income stream you can’t outlive?If yes, join us and learn how to answer the 4 critical financial independence questions:Am I on track for financial independence?What do I need to do to get on track?How do I design a mindful investing portfolio?How do I manage that portfolio and my income over time through changing markets?Learn more: https://courses.mindful.money/financial-independence-bootcampAdam Coelho is the host and executive producer of the Mindful FIRE Podcast, a show about crafting a life you love and making work optional using the tools of mindfulness, envisioning, and financial independence. He is also a father, husband, entrepreneur, speaker and facilitator. For the last twelve years, Adam has worked in Sales at Google, where he has an additional role teaching mindfulness to Googlers all over the world. Today, Adam joins the show to discuss the role mindfulness plays in our financial lives, what it means to engineer serendipity, and why he’s rethinking the ‘RE’ portion of the FIRE Movement.📺 Watch on YouTubehttps://youtu.be/fkLpmscEquoKey Takeaways00:58 – Jonathan introduces today’s guest, Adam Coelho, who joins the show to discuss early lessons he learned about entrepreneurship, both the highs and lows, from his parents05:28 – Adam expounds on his money origin story07:58 – How Adam’s parents’ relationship with money impacted his own relationships09:35 – Adam’s career journey and the power of envisioning16:49 – Adam’s introduction to mindfulness and meditation25:19 – What does mindfulness have to do with money?28:22 – Engineering Serendipity34:25 – How Adam was introduced to the FIRE Movement, and why he calls it Financial Independence, Reprioritize Early40:37 – Adam dissects what he teaches in one of his typical programs47:01 – One thing we can do to today to have better outcomes in our lives and one thing to completely avoid50:17 – One thing Adam has recently changed his mind about and his thoughts on what matters most in life53:46 – Jonathan thanks Adam for joining the show and lets listeners know where to connect with himTweetable Quotes“For me, it’s really important that my wife is fully on board, understanding, educated, and able to manage [finances] independent of me. One, for our general wellbeing. But, if I get hit by a bus, she needs to know what we have, how it works, what to do so that she’s not preyed upon by someone who doesn’t have her best interests at heart.” (08:56) (Adam)“The thing that I find funny is I almost envisioned myself out of a job. And then it was also envisioning that helped me through that difficult time and resulted in this whole new chapter of my life where I became a mindfulness facilitator, and started facilitating programs at Google, and designing my own programs. And then the podcast came about as a way to really figure out that I’m exploring and on the path to financial independence.” (10:44) (Adam)“The best thing that I was taught is when the student is ready, the teacher will appear. That’s kinda how I try to show up now. I’m not gonna preach [mindfulness] to you. If you want to learn it, I’m happy to teach you. But I’m not gonna go preaching it because it just wasn’t effective.” (24:00) (Adam)“Mindfulness allows us to look and pay attention to what’s going on with our money with a kind, curious awareness.” (25:56) (Adam)“If you set aside all the limitations that you have, all the constraints and ideas of what’s possible and you think, ‘Five years from now, I’m sitting at my kitchen table, and I’m writing out how amazing my life has gone, if everything goes better than expected, what does my life look like?’ And I suggest that because it doesn’t cost anything. It just takes a willingness to be curious and to ask yourself, ‘What do I really want?’.” (29:41) (Adam)“I love the concept of ‘F you money.’ If you’re in a situation where you don’t want to be and you have money, you have options.” (38:02) (Adam)“The more I just relax into the experience of life - into enjoying what I have already - the happier I am and the more quickly I move towards things that I want.” (49:03) (Adam)Guest ResourcesAdam’s LinkedInMindful FIRE Podcast WebsiteMindful FIRE InstagramMindful FIRE YouTubeMindful FIRE FacebookLink to Adam’s Free Envisioning GuideLink to Tony Wilkins’ Ted TalkLink to Choose FILink to The Simple Path to WealthMindful 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

Upcoming Event!How Can Mindfulness Help You Reach Financial Independence?Do you want to reduce money anxiety, but don’t know who to trust?Would you like to learn how to set up and manage your own retirement plan?Do you want to know how we create a passive income stream you can’t outlive?If yes, join us and learn how to answer the 4 critical financial independence questions:Am I on track for financial independence?What do I need to do to get on track?How do I design a mindful investing portfolio?How do I manage that portfolio and my income over time through changing markets?Learn more: https://courses.mindful.money/financial-independence-bootcampJordan Olmscheid is a ‘girl dad,’ husband, Christian, and a small business owner/solopreneur. By day, he runs a one-person (him) cleaning business, where he washes windows and cleans gutters. Jordan also has a very interesting side project, The Wealth Letters, where he collects insights from people of all walks of life on the pursuit of wealth, wisdom & meaning. Today, Jordan joins the show to discuss faith, money’s impact on happiness, and what his ultimate goal is for The Wealth Letters.📺 Watch on YouTubehttps://youtu.be/ekB7moiL2nMKey Takeaways00:54 – Jonathan introduces today’s guest, Jordan Olmscheid, who joins the show to discuss his exposure to entrepreneurship at a young age and his incredibly voracious work ethic08:17 – Jordan expounds on how he built a successful cleaning business from scratch13:17 – The decision to scale back instead of grow the business20:58 – Why Jordan describes himself as ‘just a window washer,’ despite his many previous successes28:17 – What inspired Jordan to start The Wealth Letters33:52 – Money and happiness and Jordan’s favorite letter40:11 – Jordan’s ultimate goal for The Wealth Letters and how to connect with Jordan43:42 – One thing we can do to have better satisfaction in our lives and one thing to completely avoid46:09 – One thing Jordan has changed his mind about recently and the one question he would want to know the answer to50:23 – Jonathan thanks Jordan for joining the show today and for sharing his storyTweetable Quotes“For the most part on the residential side, most people - if they choose to get their windows done - get them done twice a year. So kind of a Spring and a Fall type schedule. Some people do the insides themselves, but we do them both if needed.” (12:48) (Jordan)“That allowed the ability for me to be able to downsize to myself. I do still have a couple of part- timers that help me out as needed, but I do mostly commercial work now. And most of it is contract work. I have a handful of my own accounts that I still have that I service under my business as my customers, but most of what we do now is contract work, which works for my lifestyle.” (17:36) (Jordan)“The expectation on myself was that I was going high-profile job, maybe I was going to be in medical or something like a lawyer, or something like that. And to look at what I’m doing now, I don’t think my younger high school self would have thought that this would be a successful route.” (22:16) (Jordan)“It is ok to have an occupation or to have a day job that supports your family, your kids, and your lifestyle. And it’s ok to have passions outside of your work. Work doesn’t need to be the definition of who you are.” (26:01) (Jordan)“That has been a very interesting thing that I’ve noticed that has bled across the letters so far is that everybody’s want for money really isn’t different. We all want it. We all want more of it. But man, the levels of what’s needed is very different or people’s goals of what they want to do with money is very different.” (36:14) (Jordan)Guest ResourcesJordan’s LinkedInThe Wealth Letters WebsiteThe Wealth Letters TwitterJordan’s EmailLink to Twitter Account Letters LiveMindful 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

Upcoming Event!How Can Mindfulness Help You Reach Financial Independence?Do you want to reduce money anxiety, but don’t know who to trust?Would you like to learn how to set up and manage your own retirement plan?Do you want to know how we create a passive income stream you can’t outlive?If yes, join us and learn how to answer the 4 critical financial independence questions:Am I on track for financial independence?What do I need to do to get on track?How do I design a mindful investing portfolio?How do I manage that portfolio and my income over time through changing markets?Learn more: https://courses.mindful.money/financial-independence-bootcampNikki Gajoo-Frielinghaus is a Certified Financial Planner (CFP), certified life coach, certified money coach, certified business archetype coach, and an NLP practitioner. Nikki is also the founder of Opulentus Wealth Management, an advisory practice based in South Africa, and Imali Coaching, where she assists individuals, business owners, and couples to transform their relationship with money. Today, Nikki joins the show to discuss self-growth and personal development, the decision to shift from CFP to coaching, and what inspired her to make this leap.📺 Watch on YouTubehttps://youtu.be/2Rx13AqrErAKey Takeaways00:52 – Jonathan reads another five-star review from a recent guest of the podcast02:04 – Jonathan introduces today’s guest, Nikki Gajoo-Frielinghaus, who joins the show to open up about the loss of her father and financial lessons that came out of that experience13:08 – The shifting dynamic of finances in the lives of couples21:34 – Differences between CFPs and CMCs in South Africa and America30:35 – Nikki’s career progression35:33 – What inspired Nikki to launch Opulentus Wealth Management45:34 – How Nikki differentiates coaching clients from financial planning clients52:02 – One piece of financial advice to heed and one thing to completely ignore57:23 – One thing Nikki would like her clients to know about her and the one question she would want to know the answer to1:00:36 – Jonathan thanks Nikki for joining the show today and lets listeners know where to connect with herTweetable Quotes“I’d say, for me, a turning point in terms of finances was at that point in time - after the age of fourteen - because then I sort of got a reality check. My mom did whatever she could to provide for us, but instead of getting five Christmas presents, we were only getting two. So, that shift in terms of our financial situation became very apparent when my dad had passed on.” (06:31) (Nikki)“At that young age in my teens, I was very clear no matter where life took me, what was going to become very important for me in my lifetime would be financial independence. And not only financial independence, but just independence in general.” (11:21) (Nikki)“I think it would definitely be linked to legislation, definitely from a tax perspective. So I think that’s the big thing because we’re both CFPs. I’m part of the Financial Planning Institute of Southern Africa. That’s my geographic location, and I guess yours would be the USA. So, I’d say the biggest thing would be legislation linked to tax laws.” (21:54) (Nikki)“I’d say, for me, it was more looking internally, introspecting, and realizing that there was so much more that I needed in order to advise clients, specifically clients who had larger sums of money. And that is what led me to the CFP qualification.” (34:21) (Nikki)“I’m unsure of what your experiences were in the States during Covid, but here in South Africa, because I work with a lot of either business clients or investment clients, the initial knee-jerk reaction was, ‘Cash out! Cash out! Cash out!’ Now, you and I both know that is the wrong thing to do. You stick it out. The market will rectify itself. You stick to your goals. You keep calm. You keep going. But, it didn’t matter what I said to clients. They were not interested in hearing the technical side of it. They were so driven by emotion, and I just couldn’t communicate with clients.” (39:54) (Nikki)Guest ResourcesImali Coaching WebsiteImali Coaching FacebookImali Coaching TwitterImali Coaching InstagramOpulentus Wealth Management WebsiteOpulentus Wealth Management EmailOpulentus Wealth Management FacebookMichael Kitces’ 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

Upcoming Event!How Can Mindfulness Help You Reach Financial Independence?Do you want to reduce money anxiety, but don’t know who to trust?Would you like to learn how to set up and manage your own retirement plan?Do you want to know how we create a passive income stream you can’t outlive?If yes, join us and learn how to answer the 4 critical financial independence questions:Am I on track for financial independence?What do I need to do to get on track?How do I design a mindful investing portfolio?How do I manage that portfolio and my income over time through changing markets?Learn more: https://courses.mindful.money/financial-independence-bootcampMike Piper is a CPA from St. Louis, MO, and is the author of many finance and tax-related books. He’s quoted regularly as a Tax and Social Security expert in publications such as The Wall Street Journal , AARP , Forbes , and Morningstar , among others. He’s also the creator of the blog, ObliviousInvestor.com, where he shows his readers that investing doesn’t have to be complicated. Today, Mike joins the show to talk about his financial journey, how fear, anxiety and mental health impact our financial decisions, and the concept of having ‘more than enough.📺 Watch on YouTubehttps://youtu.be/8HwgtmMn4uoKey Takeaways00:56 – Jonathan introduces today’s guest, Mike Piper, who joins the show to share early financial lessons his mother imparted on him, and how he started writing about finance and taxes12:11 – Mike speaks to his experience publishing over thirteen books and refreshing new editions14:18 – How writing has impacted Mike’s thinking15:57 – The genesis of Mike’s blog, Oblivious Investor17:23 – Taking on clients for Tax and Social Security advice18:37 – The inspiration behind Mike’s latest book, More Than Enough21:05 – Fear, anxiety, and mental health26:49 – Feedback Mike has gotten from his book30:07 – Conservative assumptions in the financial planning process32:53 – What Mike would change about the tax code if given the ability36:24 – The audience Mike wished to reach when he wrote More Than Enough38:33 – Blocking out the noise in finance42:27 – One piece of financial advice to heed and one thing to completely ignore45:45 – The last thing Mike changed his mind about and what he would do if he only had 24 hours to live48:31 – Jonathan thanks Mike for joining the show today and lets listeners know where to connect with himTweetable Quotes“It was basically an accidental business. Within a handful of months, I was getting emails from people who read the book saying, ‘This was really useful. I wish you would write a book about this other topic.’ So I did and then people bought that book. And in a little less than a year, it was pretty clear that I could just quit my job as an accountant and do that instead.” (11:07) (Mike)“These days I would not suggest somebody go into publishing as a career because the Amazon ecosystem has changed in ways that are not favorable to writers and publishers, frankly. Of course, even back when I started, I just got lucky in terms of it becoming enough to make a living from. So even when it was a more favorable set of circumstances, it still took a lot of good luck for it to turn into a business that paid well.” (13:02) (Mike)“I kept working with people who had a lot of anxiety about their financial circumstances. Writer Bill Bernstein says, ‘If you’ve won the game, stop playing.’ And the reality was that these were people who had clearly ‘won the game.’ Their level of spending relative to their Social Security income and the size of their portfolio is such that they’re absolutely not going to run out of money. And yet, in some cases they were still really focused on anxiety feelings regarding their money.” (19:21) (Mike)“I haven’t gotten any negative jabs yet. I kinda expected some for exactly that reason. You’re helping the people who least need help. And, frankly, that’s a fair characterization. But, even if they’re people who least need help, they still need help with some topics, right?” (27:13) (Mike)“That’s another message that I wanted to try to get across here. Even if you don’t feel like you have more than enough right now, it’s just the natural way that things go. Enough turns into more than enough. That’s usually how it works out.” (32:05) (Mike)“That’s my general method of operation when writing books. Taxes are complicated. Any normal human being is not gonna fully grasp and retain the information the first time through. So, here’s how it works in detail. And then, let’s just summarize the key points as succinctly as I can. That’s my general way of doing things.” (38:04) (Mike)Guest ResourcesMike’s BlogMike’s BookMike’s EmailMike’s TwitterPodcasts Mentioned:Huberman LabBooks Mentioned:The Economics of InequalityMindful 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

Upcoming Event!How Can Mindfulness Help You Reach Financial Independence?Do you want to reduce money anxiety, but don’t know who to trust?Would you like to learn how to set up and manage your own retirement plan?Do you want to know how we create a passive income stream you can’t outlive?If yes, join us and learn how to answer the 4 critical financial independence questions:Am I on track for financial independence?What do I need to do to get on track?How do I design a mindful investing portfolio?How do I manage that portfolio and my income over time through changing markets?Learn more: https://courses.mindful.money/financial-independence-bootcampAuthor, speaker and entrepreneur, Marcus Garrett has been through an incredibly impactful financial journey. From surviving the streets of an inner-suburb city in Texas, to obtaining a BA in Business Administration and becoming a certified internal auditor, Marcus has worked through a ton of roadblocks to become an award-winning freelance writer on topics ranging from love and relationships, to debt and personal finance. On the path, he dug himself an enormous debt hole but was able to successfully navigate out of this hole. He detailed it all in his best- selling book, D.E.B.T. Free or Die Trying. Today, Marcus joins the show to talk about strategies for overcoming debt and how he helps overworked (and underpaid) professionals find easier ways to make more money and avoid the mistakes he made.📺 Watch on YouTubehttps://youtu.be/Ew3h13K8yS4Key Takeaways00:50 – Jonathan introduces today’s guest, Marcus Garrett, who joins the show to share early financial lessons imparted on him by his parents, how he dug himself into deep debt and how he climbed out of it15:40 – Hitting rock bottom and the genesis of ‘Debt Free or Die Trying’19:31 – Why Marcus beat himself up about his handling of finances and how he managed to dig himself out of an incredible amount of debt24:37 – The Four Steps of D.E.B.T. and other ways to get out of debt36:22 – Marcus’ latest project38:43 – One piece of advice on debt to heed and one thing to completely ignore42:57 – One thing Marcus wishes others knew about him and the one question he would like to know the answer to47:25 – Jonathan thanks Marcus for joining the show today and lets listeners know where to connect with himTweetable Quotes“It’s amazing how much in denial you can be when you’re able to make minimum payments. But I didn’t realize the tsunami or the wave was already coming out. That first credit card was the earthquake.” (17:27) (Marcus)“So, if you’re one of those people who gets paralysis by analysis, and you need a decision, Bankrate.com is still around, and they have an infinite amount of calculators, so still use them. But the point is to come up with a system. How are you going to get out of debt? What does that look like? How much do you actually have to pay each month to truly get out of debt and when do you want to get out of debt? Then build a budget around that, which is ‘B.’ And then, ‘T,’ ‘Trust the Process.’” (26:51) (Marcus)“Really it’s what works for you and your personality that you’ll be able to successfully stick to. Because I tell people, unless it’s medical or school loans, getting into debt can be fun. My debt story was fun. I spent a whole bunch of money and I had a whole lot of fun. It’s the getting out of it that’s painful.” (30:48) (Marcus)“I found what I enjoy. I enjoy podcasting. I enjoy blogging. I enjoy writing. I enjoy communicating and connecting with the community.” (33:32) (Marcus)“You can’t spend your way out of irresponsibility.” (39:24) (Marcus)“I actually want the freedom that I envision that being - the time that I would get back. And I believe that is invaluable. And currently, that pathway has been shown to me through having the money available to live that lifestyle.” (45:04) (Marcus)Guest ResourcesMarcus’ WebsiteMarcus’ LinkedInMarcus’ TwitterMarcus’ FacebookMarcus’ InstagramMarcus’ YouTubeMarcus’ PodcastMarcus’ BookBooks Mentioned:The Power of BrokeThe Simple Path to WealthFind Your WhyStart With WhyMindful 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

Upcoming Event!How Can Mindfulness Help You Reach Financial Independence?Do you want to reduce money anxiety, but don’t know who to trust?Would you like to learn how to set up and manage your own retirement plan?Do you want to know how we create a passive income stream you can’t outlive?If yes, join us and learn how to answer the 4 critical financial independence questions:Am I on track for financial independence?What do I need to do to get on track?How do I design a mindful investing portfolio?How do I manage that portfolio and my income over time through changing markets?Learn more: https://courses.mindful.money/financial-independence-bootcampHanna Bier is an energy healer, a family constellation expert, and a certified life coach. She works with ambitious women all over the world to recreate their relationship with money in a life-affirming, positive, and loving way. Hanna spent seven years on the question, ‘Is it possible to create wealth without compromising health, wellness, or happiness?’ And the answer, she has found, is ‘Yes.’ Today, Hanna joins the show to talk about the generational shift of money mindsets, the importance of energy, intuition and quietness of mind, and how she helps her clients transform their relationship with money from the inside out.📺 Watch on YouTubehttps://youtu.be/kiAux6b97FYKey Takeaways00:47 – Jonathan introduces today’s guest, Hanna Bier, who joins the show to share her experience growing up in Germany, overcoming depression and financial lessons she learned early on07:41 – Generational differences in money mindset11:15 – Hanna explains her roles as energy healer, family constellation expert, and life coach16:13 – The importance of slowing down and asking deep questions25:21 – Hanna reflects on her mother’s experience and what she learned from it28:53 – Family constellation therapy explained34:33 – Money bliss and ‘money magic’40:36 – Why it’s ok to let money matter48:05 – Lies about money52:39 – One piece of financial advice to heed and one thing to completely ignore57:04 – The last thing Hanna changed her mind about and one thing she wishes others knew about her1:00:22 – Jonathan thanks Hanna for joining the show today and lets listeners know where to connect with herTweetable Quotes“One of the things that I now explore with my clients is the idea of making choices based on money versus making choices based on soul. Without being able to put words, that was what I was seeking when I was younger.” (06:11) (Hanna)“I don’t think we’d be able to dream these gigantic, outrageous dreams if it weren’t for the comfort and the stability that the previous generations have built. That’s kind of how I see it. We’re building upon the amazingness that we already have, because if not we would be in the same boat.” (10:19) (Hanna)“It always starts with ourselves. As we begin to clear our own debris, we can then also teach the people in our lives. And we can notice, ‘Oh, the dirt is accumulating with my kids, with my spouse, with my parents, with whoever is open to hearing about it’ And so we pass on the tools. That is the world we dream of.” (20:28) (Hanna)“In my experience, life coaching brings you an ability to work with life and to effectively move through the seasons and cycles of life and to extract the good stuff so you can grow, and be stronger, and better, and healthier as a result of it.” (24:49) (Hanna)“So, in family constellation therapy, we work in the energy field of your family system. And so all of the souls of your family are present. This is great news for those of us who have parents who are deceased, incarcerated, institutionalized, who may be crazy or violent and we can’t be in the room with them.” (29:52) (Hanna)“Money is a life force energy on this planet. It’s also a means of expressing appreciation to one another. This is why I’m so passionate about having conversations around money and weaving those truths into those conversations.” (43:14) (Hanna)“Money is something that is man made. It is a structure that we’ve created. The origins of money can be traced back and yet it is an expression of appreciation, it is a means of exchange of value. And I do believe that money is a natural resource - something that we use to nourish and support ourselves and each other.” (48:15) (Hanna)Guest ResourcesHanna’s WebsiteHanna’s EmailHanna’s InstagramMindful 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