Beyond The Stethoscope

Favorite quotes of the episode: "Don't let anyone else's story demotivate you. Figure out where you are at and where you want to go, then learn along the way."

"Balance between saving for future goals and living life today."

"Financial Independence isn't about the money, it's about life fulfillment, create a life you don't want to retire from."

Episode Overview

I kicked off 2019 with a promise to discuss big issues, big ideas and provide real-world actionable solutions that we can all implement in our daily lives as busy professionals.

In this episode, I talk with Dr. Marianne Krumdick, a veterinarian, a CPT in the USAR Veterinary Corps and a personal finance enthusiast who is working towards FIRE (Financial Independence Retire Early). She even led a Financial Peace University Course (developed by Dave Ramsey) while deployed.

I thought it would be fun and hopefully useful, to have a real-world conversation with real people about personal finance, which resources have helped us along the way and share our perspectives. I hope you enjoy our conversation as much as I enjoyed speaking with Dr. K!

*Disclaimer: We are NOT financial professionals; this podcast is for entertainment purposes only.

These podcasts are meant to start a meaningful conversation so if you would like to see additional guests share another viewpoint around any of these topics please send an email to [email protected] with your comments and suggestions for future podcast guests and topics. I absolutely cannot wait to hear from you and look forward to your insights and thoughtful comments. I will cite all articles referenced in this podcast in our show notes so you don't have to stop what you are doing to scramble to find a pen and paper.

So, with that, let's jump right in.

TOPICS

Tackling student loan debt while living the life of your dreams and achieving financial independence. *You don't have to live in your parent's basement to get there.

Balance between saving for future goals and living life today.

FI, FIRE, Lean FI, Fat FI, FFLC, ERE– Definitions and understand that financial independence isn't about the amount of money but what you need to be financially stable and not need a full-time job. It's about life fulfillment, create a life you don't want to retire from.

Retire early and often!

Step 1: Where are you today? Budget vs. Un-Budget

How to Un-budget? How much can I afford to save? And do that first. Then automate your monthly expenses from your checking account.

Dave Ramsey's plan is a good get out of debt plan, where to start. Create a budget and list where you spend your money. It may take 90+ days to get a handle on where you spend money and where to cut or replace your current service with a less expensive alternative that gives you the same or greater value.

Discussion of Dave Ramsey's Baby Steps

Spender vs. Saver? Mindset shift: Spend into a savings account in a different bank!

What's next after you get out of debt? Where Dave Ramsey ends, and FIRE begins.

Get out of the mindset of having someone else "handle it" because no one cares about your money and your financial independence more than you. Keep learning as you go.

Where to put your money? Depends on your goals.

How to stay motivated: Color in a debt barometer or make a paper chain to keep the family involved and motivated! Don't drag it out longer than you have to because you will lose motivation.

The fun account! Profit first is a way to motivate yourself and keep you focused on your goals. Everyone needs a release valve!

Angela's hypothesis, what happens when you combine Profit First and the Dave Ramsey method?

42:50- 5 Questions Segment

Q1. We know that the most successful and happy people have a morning routine, what do you do each morning or evening that sets your day up for success? I set my uniform up the night before because I am living in a small space in a deployed environment currently.

Q2. What's your definition of Success? Success is about finding activities in your life that you find fulfilling and surround yourself with people who you have valuable relationships with and hopefully make this world a better place.

Q3. What's your definition of Happiness? Fostering relationships with friends and family and living out purpose. If you are doing those things, you're going to be happy and also successful.

Q4. What do you know now that you wish you would have known 10 years ago? I wish I knew about index funds! I wish I knew a few simple concepts about finance and where to put my money.

Q5. What do you think is the biggest issue facing busy professionals today? The biggest issue is debt.

RESOURCES

How to Un-budget: "The Latte Factor" book by David Bach https://www.thelattefactor.com/

"Profit First": https://profitfirstbook.com/

JL Collins, "Simple Path to Wealth": https://jlcollinsnh.com/ https://jlcollinsnh.com/books/

FIRE Resources: Choose FI: https://www.choosefi.com/

Afford Anything: https://affordanything.com/podcast/

Physician on FIRE: https://www.physicianonfire.com/

Military Dollar: https://militarydollar.com/

Marianne's Blog Posts: https://militarydollar.com/2018/10/28/saving-on-veterinary-care/

https://militarydollar.com/2019/03/04/vets-advice-pet-food/

Documentary: https://www.playingwithfire.co/whatisfire

Mr. Money Mustache https://www.mrmoneymustache.com/

https://www.wsj.com/articles/how-to-thrive-in-early-retirement-1539271042

Dave Ramsey Total Money Makeover https://www.daveramsey.com/store/product/the-total-money-makeover-book-by-dave-ramsey

Dave Ramsey's Baby Steps: https://www.daveramsey.com/dave-ramsey-7-baby-steps

4/10 Americans don't have $400 to cover an emergency. https://money.cnn.com/2018/05/22/pf/emergency-expenses-household-finances/index.html

NY Times article referenced: https://www.nytimes.com/2013/02/24/business/high-debt-and-falling-demand-trap-new-veterinarians.html?module=inline

Angela's favorite books will be raffled off to those who leave a review!

Angela will raffle off, 1 book each week for every 5 new podcast reviews. After you've submitted your review, send an email to [email protected], include where you left your review, and the username you left the review under so we can read your review on a special podcast episode and communicate with you to ship out books to our winners!

Join our email list at https://www.pawsconsulting.com/p/shownotes

Sign up for a free High Performance Strategy Session at https://www.pawsconsulting.com/podcast

Connect with Angela at www.pawsconsulting.com or on Twitter and LinkedIn @DemareeDVM.

How to leave a review on iTunes:

Go to https://itunes.apple.com/us/podcast/beyond-the-stethoscope/id1354281411 or open iTunes.

Click 'View in iTunes' (or maybe you are already there)

Click 'Subscribe'

Then Click 'Ratings and Reviews'

Then Click 'Write a Review'

Favorite quotes of the episode: "Success is enjoying the process."

"I choose to be happy because it is a fun thing to do!"

"Whatever your fears are they aren't the big boogeyman you think they are."

BIO

Denise Povernick is a well-known, highly sought after kickass, no excuses, high-intensity Intuitive Coach. Denise holds a Bachelor Degree in Criminal Justice from Temple University and graduated Magna Cum laude with Distinction. Denise spent many years as an Investigator and Interrogator that led her to become an expert in understanding the Subconscious Mind. ​Denise helps CEOs, High Level Executives & Entrepreneurs facilitate Creative Breakthroughs that defy logic. Denise engineers Performance Optimization through Unbreakable Health and Infinite Supply of Energy.

Denise has guided thousands of people to connect to their inner strength and inner wisdom. She helps people shift from feeling stuck and overwhelmed to enjoying life by being aligned with their life's purpose through inspired, empowered actions.

In addition to being a mom of 5 amazing children, she has spent the past 25+ years living her passion helping others combine Mind-Body-Spirit to lead healthy, happy and fulfilling lives. Denise believes that transformation and empowerment occur when all 3 aspects of your Personal Trinity (Mind - Body - Spirit) are treated and strengthened holistically. She is also known as the CEO's secret weapon.

TOPICS

2:00 Looking at the big picture, not looking at only one metric, such as scale weight.

4:30 We know the highest performers work hard to maintain their energy each day, what are some of the key lessons you've learned through your work to maintaining steady, stable energy?

9:00 Why what and when you eat is as important or more important than calories in = calories out?

12:50 In your experience, What's the #1 misconception around energy/nutrition/ and work-life balance for busy professionals.

16:00 Conscious vs. Subconscious mind

19:50 The magic of good nutrition.

23:00 How is your program different and who is it for?

24:00 5 Questions Segment

Q1. We know that the most successful and happy people have a morning routine, what do you do each morning or evening that sets your day up for success? I spend 15 minutes each morning with my Morning Gratitude List. I'm thankful for something in the present, the past and always give thanks for something that hasn't happened yet. I always read my last 6 entries first and then they never repeat.

Q2. What's your definition of Success? Success is enjoying the process. From the concept to the creation to the implementation.

Q3. What's your definition of Happiness? I choose to be happy because it's a fun thing to do!

Q4. What do you know now that you wish you would have known 10 years ago? There's really nothing to truly ever fear. I got through some really scary things and whatever your fears are they aren't the big boogeyman you think they are.

Q5. What do you think is the biggest challenge facing busy professionals today? Learning to enjoy where you are.

RESOURCES

Connect with Denise on Facebook and Twitter & Instagram: @InnerStrength_U

Manifesting Gratitude Journal

Schedule your Consult with Denise!

Angela's favorite books will be raffled off to those who leave a review!

Angela will raffle off, 1 book each week for every 5 new podcast reviews. After you've submitted your review, send an email to [email protected], include where you left your review, and the username you left the review under so we can read your review on a special podcast episode and communicate with you to ship out books to our winners!

Join our email list at https://www.pawsconsulting.com/p/shownotes

Sign up for a free High Performance Strategy Session at https://www.pawsconsulting.com/podcast

Connect with Angela at www.pawsconsulting.com or on Twitter and LinkedIn @DemareeDVM.

How to leave a review on iTunes:

Go to https://itunes.apple.com/us/podcast/beyond-the-stethoscope/id1354281411 or open iTunes.

Click 'View in iTunes' (or maybe you are already there)

Click 'Subscribe'

Then Click 'Ratings and Reviews'

Then Click 'Write a Review'

Favorite quotes of the episode: "Your smile is your logo, your personality is your business card, how you leave others feeling after having an experience with you becomes your trademark." -Jay Danzie

"My definition of success is fulfilling my purpose in this life and achieving the goals I set out for myself. For me, it's to have a balance and to achieve both my personal goals and my business goals." -Stacy Pursell

BIO

Today, we're talking with Stacy Pursell, founder, and CEO of The VET Recruiter, an Animal Health and Veterinary recruitment firm. Stacy is an internationally respected Executive Recruiter and Search Consultant; she is ranked in the top 1% of search consultants worldwide and has twenty-one years of executive recruiting and search experience.

Stacy is an award-winning Executive Recruiter and was a National Top Ten Account Executive and Pacesetter for one of the world's largest search firms and the #1 recruiter in the Southwest region of the United States before starting her own firm in 2004.

Prior to specializing in the Animal Health, Pet Industry and Veterinary Industries, Stacy specialized in placing sales and marketing executives for Fortune 500 Companies.

In addition, she placed professionals in the broadcast television industry including television producers for a major cable TV network.

She is a Certified Personnel Consultant (CPC) and a member of an elite group of search professionals who have passed this challenging exam to show her commitment to the advancement of professional and ethical standards and to the quality of the work performed in the Search Profession.

She has won numerous awards in the search and recruiting industry over the years. She was a 2014 and 2017 Finalist for Pet Industry Woman of the Year recognized by Women in the Pet Industry.

Connect with Stacy at https://thevetrecruiter.com/

Episode Overview

Everything you want to know about what top employers are looking for from navigating social media to leadership skills. Position yourself for your next career.

TOPICS

Personal Branding from a Recruiter's perspective.

How do I create a positive, personal brand?

1. be energetic and enthusiastic.
2. In other words, be happy.
3. don't interrupt or talk over the person. Be actively listening and not just waiting for the other person to finish speaking so you can talk.
4. and this is a big one, focus on what the other person wants and not what you want. That's the best way to engage them and keep them engaged. This is also known as the "Principle of Reciprocity."

Social Media Do's and Don'ts.

How to be authentic on Social Media and add value.

5 Rules of a Value-added Social Media Post

1. it should be of value to someone's career, and it doesn't matter if it's a business owner or an employee.
2. it should offer a tip related to business growth, or a career.
3. it should inspire someone in their work life.
4. it should be relevant to the industry in which you operate.
5. it should come from a credible source.

What Leadership Skills are employers looking for?

1. inspire people to perform at high levels.
2. empower people by giving them what they need to succeed.
3. view obstacles and challenges as opportunities.
4. constantly strive to be innovative and they do not cling to the status quo.
5. draw people to themselves; people rally around them.

5 Questions Segment

Q1. We know that the most successful and happy people have a morning routine, what do you do each morning or evening that sets your day up for success? I drink water with lemon, make my bed, greet my family and have breakfast before leaving for work.

Q2. What's your definition of Success? My definition of success is fulfilling my purpose in this life and achieving the goals I set out for myself. For me, it's to have a balance and to achieve both my personal goals and my business goals.

Q3. What's your definition of Happiness? My definition of happiness is to have my family be happy and cared for and where they feel loved. It's also teaching my kids to have a good work ethic and giving them the foundation and tools; they need to be successful in life. I'm also grateful that we live in a country that allows us to have the freedom to obtain both personal and career success.

Q4. What do you know now that you wish you would have known 10 years ago? Not to get so stressed out about so many details. Some things are not worth getting worked up over.

Q5. What do you think is the biggest issue facing busy professionals today?

I think the biggest challenge is having balance. Also, information overload. I think there are many things competing for our time. You have to be specific about what you want to do in this life and not get distracted. We have to sort through the noise and focus on what is important and learn to let the things go that are not important. We only have so much time in the day.

RESOURCES

How Women Can Develop—and Promote—Their Personal Brand" by Dorie Clark in the Harvard Business Review:

https://hbr.org/2018/03/how-women-can-develop-and-promote-their-personal-brand

"Personal Rebranding" Harvard Business Review podcast:

https://hbr.org/podcast/2018/11/personal-rebranding

The VET Recruiter TV:

https://thevetrecruiter.com/the-vet-recruiter-tv/

The VET Recruiter Channel on YouTube:

https://www.youtube.com/channel/UCpd-E8ed8bVPHXu4WMyFUYQ

Challenge: https://thevetrecruiter.com/?s=challenge

Happiness: https://thevetrecruiter.com/?s=happiness

Books:

Dig Your Well Before You're Thirsty by Harvey McKay

The Success Principles by Jack Canfield

Be Hunted by Smooch Reynolds

The Law of Success by Napoleon Hill

Angela's favorite books will be raffled off to those who leave a review!

Angela will raffle off, 1 book each week for every 5 new podcast reviews. After you've submitted your review, send an email to [email protected], include where you left your review, and the username you left the review under so we can read your review on a special podcast episode and communicate with you to ship out books to our winners!

Join our email list at https://www.pawsconsulting.com/p/shownotes

Sign up for a free High Performance Strategy Session at https://www.pawsconsulting.com/podcast

Connect with Angela at www.pawsconsulting.com or on Twitter and LinkedIn @DemareeDVM.

How to leave a review on iTunes:

Go to https://itunes.apple.com/us/podcast/beyond-the-stethoscope/id1354281411 or open iTunes.

Click 'View in iTunes' (or maybe you are already there)

Click 'Subscribe'

Then Click 'Ratings and Reviews'

Then Click 'Write a Review'

Life Science Effect Podcast Swap: Show Notes

You might remember about a month ago, in episode 14, I interviewed Steve Vinson from the Life Science Effect Podcast on tech trends in the life sciences and biopharma.

We thought it would be fun to interview each other on our own podcasts so rather than be the host, I would be the guest on Beyond the Stethoscope.

Also, I get a lot of questions and feedback from you that you want to learn more about me, my career and how I navigated my career transitions and what I'm doing now.

Since we were already guests on each other's podcast, it seemed easier or more prudent to simply use the pre-recorded audio and share that information with our audiences. I hope you enjoy this episode swap between The Life Science Effect and Beyond the Stethoscope Podcasts.

Steve interviews Angela about her new role with Pinpoint Pharma, a 21st Century Compounding Pharmacy for Pets, her career and navigating career transitions. Learn more at www.petsgetit.com

Steve asked about some of Angela's Favorite Books or Online Resources:

The World Economic Forum: https://www.weforum.org/

Atomic Habits: https://jamesclear.com/atomic-habits

We have our first winner of the book drawing for leaving a podcast review! Congratulations to B.E.Lynn who posted, "Great topics! Well Done!" This review was posted last year, but she sent me an email and I've agreed to send her a copy of Kelly Roach's new book, "Bigger Than You: The Entrepreneur's Guide to Building An Unstoppable Team." Thanks so much for leaving a review!

Don't forget to check out my interview with Kelly Roach in Episode 7.

Angela's favorite books will be raffled off to those who leave a review!

Angela will raffle off, 1 book each week for every 5 new podcast reviews. After you've submitted your review, send an email to [email protected], include where you left your review, and the username you left the review under so we can read your review on a special podcast episode and communicate with you to ship out books to our winners!

Join our email list at https://www.pawsconsulting.com/p/shownotes

Sign up for a free High Performance Strategy Session at https://www.pawsconsulting.com/podcast

Connect with Angela at www.pawsconsulting.com or on Twitter and LinkedIn @DemareeDVM.

How to leave a review on iTunes:

Go to https://itunes.apple.com/us/podcast/beyond-the-stethoscope/id1354281411 or open iTunes.

Click 'View in iTunes' (or maybe you are already there)

Click 'Subscribe'

Then Click 'Ratings and Reviews'

Then Click 'Write a Review'

Favorite quotes of the episode: "Happiness is being present."

"Time blocking has been huge for me, to honor my schedule and my time."

BIO

Mariana is a Certified Business Coach + Consultant and international bestselling author. She helps seasoned coaches and consultants scale their businesses by creating and launching their profitable group coaching programs. She uses her background in brain science, hospital administration, and 12 years of marketing, sales, and business experience to help you get results for your clients at scale, market in a way that attracts your ideal clients, and convert followers to group coaching clients through service-based selling. She has been featured in various podcasts, blogs and online courses including the Huffington Post, Today.com, and The Millionaire Insider Extravaganza. Through working with hundreds of businesses, she has empowered them to increase their profit and serve more people all over the world with group coaching. You can catch her podcast The Impact Driven Entrepreneur Podcast on her website ImpactDrivenEntrepreneur.com, iTunes, Stitcher, iHeart Radio, or Google Play.

Connect with Mariana at impactdrivenentrepreneur.com

2:00 TOPICS

Can you share a little about why you decided to branch out from healthcare and pursue being an entrepreneur?

For many of us, as busy professionals we really hate to sell or upsell especially if our practice managers are pushing us in that direction from a business perspective. So many of us just want to make a positive difference in the lives of others which is why we became doctors, dentists, lawyers or pursued other professions. What is the mindset around selling that you have to remove that 4-letter word stigma?

Sales is Service

11:30 Levels of Impact

14:30 5 Questions Segment

Q1. We know that the most successful and happy people have a morning routine, what do you do each morning or evening that sets your day up for success? "Journaling, I have a journaling practice."

Q2. What's your definition of Success? "Success means getting to help people and enjoying the process."

Q3. What's your definition of Happiness? "Being present."

Q4. What do you know now that you wish you would have known 10 years ago? "You can do anything that you set your mind to."

Q5. What do you think is the biggest issue facing busy professionals today? "Let's be present more."

RESOURCES

Books on Stoicism

https://www.amazon.com/Stoicism-Comprehensive-Happiness-Wisdom-Modern/dp/1541008154

https://www.amazon.com/Stoicism-Art-Happiness-Practical-Everyday/dp/1473674786/ref=dp_ob_title_bk

Angela's favorite books will be raffled off to those who leave a review!

Angela will raffle off, 1 book each week for every 5 new podcast reviews. After you've submitted your review, send an email to [email protected], include where you left your review, and the username you left the review under so we can read your review on a special podcast episode and communicate with you to ship out books to our winners!

Join our email list at https://www.pawsconsulting.com/p/shownotes

Sign up for a free High Performance Strategy Session at https://www.pawsconsulting.com/podcast

Connect with Angela at www.pawsconsulting.com or on Twitter and LinkedIn @DemareeDVM.

How to leave a review on iTunes:

Go to https://itunes.apple.com/us/podcast/beyond-the-stethoscope/id1354281411 or open iTunes.

Click 'View in iTunes' (or maybe you are already there)

Click 'Subscribe'

Then Click 'Ratings and Reviews'

Then Click 'Write a Review'