Beyond Commissions®: Wealth and Income Streams for Real Estate Agents

What if the reason your wealth isn't growing has nothing to do with how much you earn and everything to do with how it's structured?

Welcome to Cashflow & Chaos, the show for high performers who are done guessing with their money. Whether you're a real estate agent building a business that can survive any market, or a high-income earner ready to make your money work as hard as you do, this is where we get into the how.

Each week, we're breaking down tax strategy and S-corp structuring, building multiple streams of income, investing for long-term wealth, high-yield savings and cash strategy, and laying a money foundation strong enough to hold up in a down market. Less earning more, more keeping more.

I'm Laura Navaquin, real estate investor & 4x entrepreneur where i teach others how to build more streams of income & how to keep more of what they earn, legally. If you're ready to stop leaving money on the table and start building real, lasting wealth, hit follow.. new episodes drop every week.

🎧 Hit Follow so you don't miss an episode and come join us on the gram.

Real Estate Investing & Wealth Building: @lauranavaquin

Insurance & real estate agents: @beyondcommissions

Summary

In this episode of Grit Grace and Growth, Laura Navaquin interviews Natalia Borakowski, founder of Unveil You, a holistic wellness brand aimed at helping women rediscover their true selves by addressing stress, burnout, and self-doubt. Natalia shares her inspiration for creating Unveil You, emphasizing the importance of education in women's health, the value of community support, and the various courses offered to empower women in their journey of self-acceptance and healing. The conversation also touches on the challenges of balancing personal healing with daily responsibilities, the surprising lessons learned from helping others, and the significance of embracing fear and taking risks in personal and professional growth.

Takeaways

• Unveil You helps women peel back layers of stress and self-doubt.
• Education is crucial for women's health and empowerment.
• Community support validates personal experiences and fosters connection.
• Courses offered by Unveil You address various aspects of women's health.
• Self-acceptance is key to embracing the aging process.
• Rituals and routines can help balance personal healing with daily life.
• Surprising transformations can occur through self-love and empowerment.
• Breakdowns can lead to breakthroughs in personal growth.
• Courage is about facing fears and taking risks.
• Every experience, positive or negative, is a valuable lesson.

Connect with Natalya Borakowski

Learn more about Natalya’s work and her mission to help women heal, align, and rediscover their most authentic selves through Unveil You:

• Website: www.unveilyou.life

• Instagram: @unveilyou.life

Explore Unveil You to begin your own journey of self-discovery, healing, and inner alignment.

Summary

In this conversation, Gabriela Enriquez discusses her journey in HR and how her company, HRBP, offers tailored solutions that bridge the gap between business strategy and human resources. She emphasizes the importance of cultural integration, compliance, and the human element in leadership. Gabriela shares insights on navigating growth, staying grounded as a leader, and building a business with integrity an

Takeaways

• Gabriela has over 20 years of experience in HR operations.
• HRBP focuses on custom-tailored solutions for businesses.
• Cultural integration is crucial for global operations.
• Audits help identify business inefficiencies and compliance issues.
• Leadership requires a balance of art and analytics.
• The human element boosts ROI for companies.
• Networking and local programs can provide valuable resources.
• Delegating tasks is essential for small business owners.
• Understanding options minimizes risk and liability.
• Every business problem is fundamentally a people problem.

Connect with Gabriela Enriquez

Stay connected and learn more about her work in people operations, business strategy, and building companies that scale with integrity:

• Instagram (Personal): @thegabriela.enriquez

• Instagram (Business): @hrbp.inc

• LinkedIn (Personal): Gabriela A. Enriquez

• LinkedIn (Company): HRbp Inc.

✨ Learn more about HRbp Inc., the “not-so-HR company,” helping organizations align people, process, and profit at hrbpinc.com.

Episode Summary:

In this powerful episode of Grit, Grace, and Growth, host Laura Navaquin sits down with Hannah Collins to unpack the journey to true financial literacy and lasting wealth creation. Together, they dive into what wealth really means beyond the numbers, exploring the core pillars of generational wealth, money education for children, and estate planning for all income levels.

Hannah opens up about her personal journey from overcoming financial hardship to achieving the three key freedoms of wealth; financial freedom, time freedom, and location freedom.

Whether you’re just starting your financial journey or looking to level up your wealth strategy, this episode offers insightful tips, mindset shifts, and proven strategies to help you create lasting success for generations to come.

What You’ll Learn in This Episode:

• The real definition of wealth and why it’s more than just money in the bank

• How to start building generational wealth now, no matter your current financial situation

• Why estate planning isn’t just for the wealthy (and steps to get started)

• The importance of teaching kids about money early

• Practical, beginner friendly steps to grow your financial security and legacy

Takeaways

• Wealth is more than just numbers; it's about freedom.
• Financial literacy is crucial for breaking generational curses.
• Teaching kids about money is essential for their future.
• You can start building wealth with small amounts.
• Estate planning is necessary for everyone, not just the wealthy.
• Procrastination can hinder financial progress.
• Finding a balance between work and family is key.
• Investing in yourself is the first step to financial freedom.
• Financial freedom includes time and location flexibility.
• Building a legacy is achievable for anyone.

Chapters

00:00 Introduction and Inspiration Behind Financial Services

04:49 Understanding Wealth Beyond Numbers

07:45 The Importance of Generational Wealth

10:39 Starting Financial Planning Early

13:45 Common Financial Myths and Limiting Beliefs

16:42 Teaching Financial Literacy to the Next Generation

26:38 Financial Checkups: The Importance of Regular Audits

29:23 Balancing Motherhood and Career: Finding Your Rhythm

34:08 The Myth of Doing It All: Quality Over Quantity

37:23 Seasons of Life: Adjusting Your Focus

42:13 Understanding Estate Planning: It's for Everyone

50:00 Taking the First Step: Financial Planning Made Accessible

Connect with Laura Navaquin:

• Instagram

📅 Book your free 15-minute call to explore how to make your money work harder and earn higher returns on your savings. Secure Your Time HERE

Connect with Hannah Collins:

• Website

wealth creation | financial freedom |generational wealth |estate planning |financial literacy | women in finance | money management | financial planning | wealth mindset | financial education

In this episode of Grit Grace and Growth, Laura Navaquin interviews social media strategist Lauren Najar, who shares her journey from a finance career to becoming a successful entrepreneur in the social media space. Lauren discusses the importance of building authentic relationships online, the services her agency offers, and how to stay creative in content creation. She emphasizes the significance of engagement over mere posting and provides actionable tips for creating momentum on social media. The conversation concludes with insights on measuring success beyond follower counts and resources for listeners to connect with Lauren.

Takeaways

• Lauren transitioned from finance to social media to find fulfillment.
• Building relationships is key to success in social media.
• Engagement is more important than just posting content.
• You can achieve significant sales without a large following.
• Content should align with your goals and intentions.
• Utilizing different content types can enhance visibility.
• Trends should be used thoughtfully and strategically.
• Networking online is similar to in-person networking.
• Regularly audit your audience to build relationships.
• Success can be measured through engagement and conversions.

Chapters

00:00 Introduction to Social Media Strategy

03:38 The Journey from Finance to Social Media

06:16 Building a Business: Services Offered

10:05 Staying Creative in Social Media

12:27 Creating Momentum on Social Media

20:08 The Importance of Relationship Building

24:36 Measuring Success Beyond Follower Count

Connect with Lauren Najar:

• Website:https://laurennajar.com/
• Instagram:⁠https://www.instagram.com/laurennajar/
• Linkedin:https://www.linkedin.com/in/lauren-najar-62172920/

Connect with Laura Navaquin:

• Website:LauraNavaquin.com
• Instagram:@LauraNavaquin
• LinkedIn:Laura Navaquin
• Podcast:Grit, Grace, and Growth onApple Podcasts,Spotify,Pandora andYoutube

Learn More about Laura NavaquinHere 

Summary

In this episode of Grit Grace and Growth, Mackenzie Fleming shares her journey as a copywriter and the challenges she faced in overcoming fear, particularly in entrepreneurship. She discusses the importance of taking risks, navigating rejections, and the value of messy action in achieving personal and professional growth. Mackenzie emphasizes the need for self-belief and the significance of connecting with like-minded individuals in business.

Takeaways

Mackenzie has always been passionate about copywriting.

Taking the leap into full-time entrepreneurship was terrifying but necessary.

Facing fears is a common challenge for entrepreneurs.

Rejections can lead to better opportunities.

Messy action is essential for growth and progress.

It's important to connect with clients who share your values.

Self-doubt can be overcome by taking action.

You don't need to have everything figured out before starting.

The journey of entrepreneurship is filled with learning experiences.

Building a legacy requires stepping out of your comfort zone.

Sound Bites

"I'm obsessed with what I do."

"I can do this, I can do this."

"Messy action is the answer always."

Chapters

00:00 Introduction to Overcoming Fear

07:31 Facing Fears in Entrepreneurship

13:22 Building Confidence Amid Rejection

18:36 Conclusion and Key Takeaways

19:09 Podcast End Audio Only.mp3

Connect with Mackenzie Fleming

• Website:www.hotcopyhaus.com
• Instagram:hotcopyhaus
• LinkedIn:mackenziebfleming

Connect with Laura Navaquin

• Website:LauraNavaquin.com
• Instagram:@LauraNavaquin
• LinkedIn:Laura Navaquin
• Podcast:Grit, Grace, and Growth onApple Podcasts,Spotify,Pandora andYoutube
• Learn More about Laura NavaquinHere 

Summary

In this episode of Grit Grace and Growth, host Laura Navaquin speaks with Sharmila Hall, founder and CEO of SMB Global Marketing, about the challenges of finding personal time amidst the demands of entrepreneurship and leadership. Sharmila shares her journey in the marketing industry, emphasizing the importance of structure, organization, and self-care. The conversation explores strategies for maintaining work-life balance, the role of family in personal fulfillment, and practical tips for avoiding burnout. Sharmila highlights the significance of integrating work and family life, advocating for proactive communication and prioritization to create space for personal time.

Takeaways

• Finding time for ourselves is challenging, especially in entrepreneurship.
• Structure with a calendar is essential for managing time effectively.
• Health is related to everything we do, including work performance.
• Guilt can creep in when we prioritize ourselves over work.
• Work-cations can help balance work and family time.
• We don't need to separate work and life; they can coexist.
• Organization creates a big difference in managing tasks and stress.
• Not everything is urgent; prioritize effectively to reduce overwhelm.
• We need to prioritize our time for ourselves to avoid burnout.
• Life is hectic, but incorporating quiet time is vital for mental health.

Sound Bites

"Finding time for ourselves is challenging."

"Structure with a calendar is essential."

"Health is related to everything we do."

Chapters

00:00 Sharmila's Journey into Marketing

04:20 Finding Balance in a Demanding Career

07:03 The Importance of Physical Activity and Mental Health

09:48 Navigating Guilt and Prioritizing Self-Care

12:39 Integrating Family into Work Life

15:38 Teaching Kids Valuable Skills Through Work

18:31 Avoiding Burnout Through Organization

21:18 Advice for Overcoming Overwhelm

24:16 Closing Thoughts and Resources

Connect with Sharmila Hall

• Website: www.smbglobalmarketing.com
• Instagram: @smbglobalmarketing
• LinkedIn: Hall-Sharmila

Connect with Laura Navaquin

• Website: LauraNavaquin.com
• Instagram: @LauraNavaquin
• LinkedIn: Laura Navaquin
• Podcast: Grit, Grace, and Growth on Apple Podcasts, Spotify, Pandora and Youtube
• Learn More about Laura Navaquin Here 

Introduction:

Welcome back to Grit, Grace, and Growth! I’m your host, Laura Navaquin, and today we’re diving into the art and strategy behind building unstoppable partnerships that can fuel business success and brand growth. Whether you’re in the early stages of your business or scaling to new heights, the partnerships you form can make all the difference.

About Our Guest:

Today’s guest is Melissa Richards-Person, a marketing powerhouse with 25 years of experience driving global brand engagement and loyalty. Having worked across four continents and five languages, Melissa has led brand strategies for major names like KFC, Papa John’s, Starbucks, and Olive Garden. Her unique perspective and expertise in brand-led growth have made her an invaluable advisor to C-suite leaders and founders alike. I’m excited to learn from Melissa’s insights on how to create partnerships that truly move the needle. Welcome to the show, Melissa!

Key Discussion Points:

• Foundation for Building Partnerships:
  Melissa shares her insights on the essential elements that form the foundation for building effective and unstoppable partnerships.

• Key Strategies with Major Brands:
  Learn about the strategies Melissa used to forge strong partnerships with both internal and external stakeholders in iconic brands like KFC and Starbucks.

• Common Mistakes to Avoid:
  Melissa discusses common pitfalls businesses encounter when trying to build lasting partnerships and offers advice on how to avoid these mistakes

• Advice for Smaller Businesses:
  Melissa offers valuable advice for entrepreneurs and smaller businesses on how to create powerful partnerships that can still make a significant impact, even without the reach of larger brands.

Closing:

Melissa, thank you so much for sharing your incredible insights and experiences with us today. Your perspective on building unstoppable partnerships, especially from such a diverse and global background, has been invaluable. For anyone looking to learn more about Melissa’s work and strategies, be sure to check out the show notes for more information.

Remember, great partnerships are built on trust, vision, and collaboration—and when done right, they can lead to extraordinary growth. Thanks again for joining us, and until next time, keep growing with grit, grace, and a little help from your unstoppable partners.

Resources & Links:

• Book - Supercommunicators: How to Unlock the Secret Language of Connection 

Connect with Melissa Richards-Person

• Website: www.Getathirdarm.com
• Melissa Richards-Person LinkedIn
• Third Arm Consulting ⁠Email ⁠
• Book a Call with Third Arm Consulting
• Third Arm Consulting on Instagram: @thirdarmconsulting

Connect with Laura Navaquin

• Website: LauraNavaquin.com
• Instagram: @LauraNavaquin
• LinkedIn: Laura Navaquin
• Podcast: Grit, Grace, and Growth on Apple Podcasts, Spotify, Pandora and Youtube
• Learn More about Laura Navaquin Here 

Summary

In this episode of Grit, Grace, and Growth, host Laura Navaquin speaks with Mara Smith, founder of Inspiro Tequila, about her journey from attorney and corporate strategist to entrepreneur in the spirits industry. They discuss the importance of building a supportive community, networking, and the unique challenges faced by female founders. Mara shares insights on creating a product that stands out in a crowded market and offers practical advice for entrepreneurs looking to foster collaboration and support within their industries.

Takeaways

• Success isn't just about having a great product; it's about community.
• Building a network is essential for entrepreneurs.
• Mara's journey involved many pivots and learning experiences.
• Community support is crucial for navigating challenges.
• Women in the spirits industry often face funding challenges.
• Inspiro Tequila was inspired by strong women in Mara's life.
• Networking can lead to valuable connections and opportunities.
• Creating a unique product requires understanding consumer needs.
• Follow up on connections to build meaningful relationships.
• Social media is a powerful tool for industry recognition.

Sound Bites

"Success isn't just about having a great product."

"I always knew I was going to start my own company."

"Having a community is essential for a founder."

Chapters

00:00 From Law to Spirits: A Unique Journey

06:31 Building a Supportive Network

12:46 Challenges in a Male-Dominated Industry

16:24 The Inspiration Behind Inspiro Tequila

18:29 Navigating the Spirits Distribution Landscape

20:53 Crafting a Unique Tequila Experience

24:12 Practical Networking Tips for Entrepreneurs

28:30 Connecting with Inspiro Tequila

30:15 Podcast End Audio Only.mp3

Connect with Mara Smith

• Website: ⁠Inspireotequila.com
• Inspiro Tequila on Instagram: @InspireoTequila
• Mara Smith on LinkedIn

Connect with Laura Navaquin

• Website: LauraNavaquin.com
• Instagram: @LauraNavaquin
• LinkedIn: Laura Navaquin
• Podcast: Grit, Grace, and Growth on Apple Podcasts, Spotify, Pandora and Youtube
• Learn More about Laura Navaquin Here 

Summary

In this episode of Grit Grace and Growth, host Laura Navaquin speaks with Debbie Miller, a digital marketing expert, about the essential logistics of building and scaling a brand. They discuss the journey of starting a brand, the logistical challenges faced in business growth, and key strategies for sustaining and growing a brand while maintaining core values. Debbie shares her insights on digital marketing strategies, the importance of adaptability, and the value of networking. The conversation emphasizes the need for entrepreneurs to find their niche and build authentic relationships with clients.

Takeaways

• Starting a brand can be a happy accident.
• Networking is crucial for building a brand.
• Adaptability is key to overcoming challenges.
• Understanding your audience is essential for marketing.
• Consistency in branding builds trust with customers.
• It's important to know your niche and specialize.
• Building a brand takes time and effort.
• Freelancing can evolve into a full-time business.
• Digital marketing strategies should align with brand values.
• Every experience contributes to your growth as an entrepreneur.

Sound Bites

"Understanding the logistics behind growing your brand."

"Start something that's yours; it can't be taken away."

"Networking was a huge component of my success."

Chapters

00:00 Building a Brand: The Early Stages

05:25 Logistical Challenges in Growing a Business

09:55 Strategies for Sustaining and Growing a Brand

13:47 Digital Marketing Strategies for Brand Growth

18:09 Finding Your Niche and Staying Adaptable

24:53 Key Advice for New Entrepreneurs

27:59 Podcast End Audio Only.mp3

Connect with Debbie Miller

• Social Hospitality Website
• Debbie Miller Linkedin
• Social Hospitality Instagram
• Debbie Miller Instagram
• Debbie Miller Email

Connect with Laura Navaquin

• Website: LauraNavaquin.com
• Instagram: @LauraNavaquin
• LinkedIn: Laura Navaquin
• Podcast: Grit, Grace, and Growth on Apple Podcasts, Spotify, Pandora and Youtube
• Learn More about Laura Navaquin Here