Karem Zafra-Vera is the CEO and founder of Next Level Consulting and the brand ‘Mindful with Karem.’ As an entrepreneurial leader, author, podcaster, and speaker, she empowers others through spiritual coaching and personal development. Karem is a Certified Founding Global Coach for the Napoleon Hill Institute, where she focuses on supporting the Latino community, and a Principal Master Coach with Heart, Mind, Money (HMM). Her mantra, “Change is inevitable, but personal growth is a choice,” reflects Bob Proctor's wisdom and her commitment to guiding individuals toward their highest potential.