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Rosemary is a UK citizen who has lived in over 13 countries and retired in Portugal. She’s very well aware that there are lots of issues to worry about, like healthcare and contingency plans if something were to happen to her, and her children had to take care of her. She chats about talking about navigating estate planning challenges because her children are in one country and she’s in another. You'll also learn how you can prepare your finances so you're not a burden on your loved ones.
 
What You Hear in This Episode:

• Why Rosemary's unique lifestyle may pose challenges in her estate planning
• Why looking at currency and political fluctuations is important when retiring abroad
• Why your legacy could mean someone giving up part of their financial life
• How Rosemary intends on supporting her and her husband without relying on her children
• What Rosemary wants people to know about the types of considerations to think about as you're aging

Resources:

• Long Life Fun Life
• International Estate Planning Guides - International Bar Association
• My parents are unprepared for retirement — how can I help them?
• What is Long-term Care Insurance?

*theme music by Donovan Dorrance

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Learning how an  inferiority complex manifests itself into some negative behaviors when it comes to money.  Eugenie George, author of Our Money Stories: A Six Week No B.S. Holistic Financial Wellness Plan comes on the show to talk about the time she ended up losing her job, her business and admitting the past trauma and cultural conditioning that got to where she was. She dives into what an inferiority complex really means, how she learned to trust herself, and values are so important when it comes to breaking the cycle.

What You Hear in This Episode:

• Why Eugenie stopped certain business mentors online 
• What inferiority complex means and how it can manifest into your financial life
• What happened when Eugenie ignored her feelings (hint: her body shut down) 
• Why people don't need to hit rock bottom to break the cycle 
• What Eugenie believes is necessary is order to break the cycle

Resources:

• Eugenie's website
• Follow Eugenie on Twitter
• Our Money Stories: A Six Week No B.S. Holistic Financial Wellness Plan
• Post Traumatic Slave Syndrome
• The Body Keeps the Score: Brain, Mind, and Body in the Healing of Trauma by Bessel van der Kolk M.D.

*theme music by Donovan Dorrance

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Hazel comes on the show to talk about how she grew up in poverty in a gang infested neighborhood in LA. Yet despite experiencing trauma like seeing her best friend being killed at  a bus stop, she went on to graduate high school (yes, even if it was at 30 years old) and becoming a multi-million dollar business owner.
 
What You Hear in This Episode:

• What her mom and dad taugth Hazel that was positive in her life
• Why Hazel thought it was normal to ditch school
• What Hazel's mom taught her about being "safe" in her old neighborhood
• How mentors helped Hazel graduate high school and secure a job
• Why Hazel started her own business and what she wishes others know about achieving goals and dreams

Resources:

• Hazel Ortega's website
• From Bounced Checks to Private Jets: The Mastery of Miracles - Hazel's book
• The Mastery of Miracles

*theme music by Donovan Dorrance

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Breaking the cycle in your life isn’t supposed to be easy or fun all of the time. So let’s take a short break from the stories and do a recap - what does breaking the cycle mean? What are some ways to recognize your life isn’t working? What are some myths when it comes to breaking the cycle in your own life? And perhaps most importantly, what role does money play in all this?

What You Hear in This Episode:

• What exactly does the term breaking the cycle means
• Why it's ok to make changes even when things seem fine in your life
• Myths around the concept of breaking the cycle
• Why money is so important to helping make changes in your life
• How you can start making much needed changes in your financial life
• Why starting with the basics is key

Resources:

• Finding Your Enough Number
• Desmond Tutu
• Financial Risks (and Beyond) When Breaking The Cycle with Cait Flanders
• Losing $5.5. Million Dollars to Inheritance Theft with Emily Guy Birken
• Recovering From a House Fire with Jackie Lambert
• 5 Steps for Tracking Your Monthly Expenses

*theme music by Donovan Dorrance

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#91: One night, Jackie's house burnt down through a freak accident. Jackie and her husband had nowhere to go — thank goodness the firefighter staff called the Red Cross for them, got a few hundred dollars so they could go stay a hotel. She comes on the show to talk about the time her house burnt down and had to fight with the insurance company for eight months to pay her the full amount she was owed. She goes into detail who she hired, what she regrets not doing before buying a home insurance policy and what she’s most thankful for through this entire ordeal.

What You Hear in This Episode:

• What exactly happened to Jackie and her husband on the night of the house fire
• What incidents led to Jackie realizing her home insurance company wasn't on her side
• Why she had to hire an third-party insurance professional to help her fight for her claim
• How long it took for Jackie to get what she was owed
• What Jackie's biggest learned was when it comes to choosing a homeowners insurance policy

Resources:

• jaclynlambert.com/
• Follow Jackie on Twitter 
• National Association of Insurance Commissioners (NAIC) complaint index
• What happens when I file an insurance claim? - Consumer Financial Protection Bureau
• 6 things to know before you deal with a home insurance claims adjuster
• How to communicate with your insurance company

*theme music by Donovan Dorrance

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#90: Ashleigh recounts three incidents that happened before she left — two of them involved some form of sexual harassment , leading her to leave the Navy (and not necessarily in the best terms). Learn why she is thankful for her financial situation to help her cope with what had happened during her time in the Navy, what exactly happened, why she’s so thankful for a community that helped her get better with her finances, and whether or not she feels she’ll ever have closure over what had happened.

What You Hear in This Episode:

• Why Ashleigh felt like she couldn't speak up at work, even in a more senior role in the Navy
• What happened to Ashleigh that led her to transitioning out of the Navy
• Why she had to defer her acceptance to Yale (hint: it wasn't necessarily by choice)
• Why her friend ended up calling her to make sure she got the mental health assistance she needed
• Why Ashleigh may never feel closure over what happened

Resources:

• Ashleigh's website
• 5 Things To Take From The FIRE Movement (Even If You Don't Want To Retire Early)
• The difference between FU money and FU, money!
• Navy ‘gray-zone behavior’ study part of military sexual assault prevention and response effort
• Study reveals Navy installations carry most risk of sexual assault, but not why

*theme music by Donovan Dorrance

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#89: Miranda reveals in detail how she shifted from parenting that focused on her worth as a mother to one that was the best for her son. She talks about how she was raised, what her tactics used to be when it came to raising her son, and how she deconstructed her beliefs and most importantly, her relationship with her son to parent in a way that enables him to reach his version of success.

What You Hear in This Episode:

• How Miranda grew up and internalized certain beliefs about success
• How she discovered she was basing her worth as a parent
• Why Miranda believes your children don't owe us anything
• How Miranda changed her relationship with her son
• What she wants other parents to know about raising independent children

Resources:

• Freelance Writer Academy
• Miranda Marquit
• Your Children Don’t Owe You For Being Born
• Parents: Your Kids Don't Owe You Anything
• Parenting: Raise Independent Children

*theme music by Donovan Dorrance

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Emily who, after her dad passed away (and was worth 5.5 million dollars) ended up fighting tooth and nail to ensure that her stepmother didn’t steal all of her and her sister's inheritance.  Listen to find out why she was going to allow her stepmother to do whatever she wanted with her father’s estate until one incident which led her to saying “oh hell no!” She goes into detail about the legal battle, what was in the estate planning documents that allowed her stepmother to spend all that money and how Emily stopped feeling angry so she could finally grieve her father.

What You Hear in This Episode:

• What happened so that Emily's stepmother was able to dip into the money housed in her father's trust
• Why Emily was going to let it go until one incident with your stepmother led her to fight for her rights
• How much Emily spent on legal fees
• How long it took Emily and her sister to come to an "agreement"
• Why Emily settled for less than what was "owed"

Resources:

• Protecting Yourself from Inheritance Theft
• Trust & Will
• Do It Yourself Estate Planning - American Bar Association
• How to Get Free Legal Aid in Your State

*theme music by Donovan Dorrance

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Taking a different path in life is hard - but how do you do it without "ruining" your financial life? How can you take these sorts risks when everyone else around you doesn't understand (and let's be honest, aren't supportive)?

Cait Flanders, bestselling author of The Year of Less and her latest book Adventures in Opting Out comes on the show to talk about making why changes in our lives that are so scary, how can we navigate changes if nobody else is supportive, and even what if we *gasp* fail.

Resources:

• Adventures in Opting Out - Cait's Latest book
• Cait Flander's Website
• The Year of Less: How I Stopped Shopping, Gave Away My Belongings, and Discovered Life is Worth More Than Anything You Can Buy in a Store
• Follow Cait in Instagram

*theme music by Donovan Dorrance

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No doubt 2020 has been a wild ride. Join host Sarah Li-Cain as she previews stories of those who were able to break the cycle in their own lives, both financial and beyond. Season 7 premiers October 21, with honest conversations all around "breaking the cycle" from humans just like you. Subscribe for free for updates.

*theme music by Donovan Dorrance