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Unlocking Retirement Security with Steve Selengut: Income Independence Strategies

In this episode of the Merging Life and Money Show, host Marie-Jo Caesar welcomes special guest Steve Selengut, a bestselling author and investment advisor with over 40 years of experience. Steve shares his unique approach to retirement planning, focusing on generating reliable income without selling investments—a strategy effective in both rising and falling markets. The discussion covers essential topics such as the concept of income independence, risk minimizers, portfolio management, and the critical importance of diversification. Steve also compares portfolio management to running a department store, emphasizing the need for quality, diversification, and profit-taking. This episode provides valuable insights for anyone aiming to achieve financial security and peace of mind in retirement.

3 Main Points

 ✅ Income Independence Focus: 

Steve Selengut highlights the importance of generating a steady income stream for retirement, ensuring financial security despite market changes, rather than solely accumulating wealth

 ✅ Four Financial Risk Minimizers: 

Steve identifies four key strategies to reduce financial risk—quality, diversification, income, and profit-taking—essential for protecting investments and maintaining stability, especially for retirees.

 ✅ The Department Store Analogy: 

Steve likens portfolio management to a department store, emphasizing the importance of diversification and inventory management to spread risk and consistently secure profits.

 🕒 KEY MOMENTS IN THIS EPISODE 

 00:00 – Special Guest Introduction

01:59 - Income Independence vs Wealth Accumulation

07:58 - The 4 Great Financial Risk Minimizers

17:40 - Implementing Risk Minimizers for Average Investors

20:54 - Risk Minimizers Across Different Life Stages

23:31 - Adjusting Financial Thinking in Today's Economy

25:21 - The Department Store Analogy

27:30 - Inventory Management Strategies

30:50 - Restocking Techniques

32:40 - Importance of Diversification

35:00 - Tenant Selection Best Practices

41:54 - Achieving Income Independence

47:10 - Understanding the 4% Rule

52:30 - Steps to Achieve Income Independence

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Click this link https://mariejocaesar.com/fp-quiz to take the "What's Your Financial Personality Type” Quiz, so you can transform your financial identity and create Financial Freedom.

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Unlocking Wealth: The Infinite Banking Concept Explained | Merging Life and Money Show

Join host Marie Jo Caesar as she welcomes the Dew brothers, Jonah and Jeremiah, to the Merging Life and Money Show. Known for their expertise in the Infinite Banking Concept (IBC). They break down complex financial strategies into easily digestible steps. 

Discover how high cash value whole life insurance can serve as a private banking system to build generational wealth. Learn about financial management, the importance of stewardship, and actionable insights to transform your financial future.

3 Main Points

✅ Wealth Building and Stewardship

 ✅ Financial Management and Cash Flow

 ✅Infinite Banking Concept (IBC)

🕒 KEY MOMENTS IN THIS EPISODE 

00:00 Welcome and Guest Introduction

02:55 Core Values: Stewardship and Wealth Building

05:48 Key Decisions for Financial Growth

09:18 Complementary Skills in Wealth Building

13:01 Misconceptions About Generational Wealth

17:40 Debt Reduction Journey

21:41 Common Financial Management Mistakes

27:04 Impact of Fatherhood on Financial Planning

33:05 Success Stories and Financial Education

38:25 Introduction to the Save and Spend System

38:36 Understanding Infinite Banking

39:32 The Three Cup Setup Explained

41:13 Financial Literacy vs. Financial Education

42:54 Discovering the Infinite Banking Concept

46:08 Simplifying Infinite Banking for Others

50:00 How High Cash Value Whole Life Insurance Works

01:00:28 Underwriting and Long-Term Commitment

01:06:50 Common Objections and Misconceptions

01:10:36 Future of Infinite Banking

01:13:08 Final Thoughts and How to Connect

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Click this link https://mariejocaesar.com/fp-quiz to take the "What's Your Financial Personality Type” Quiz, so you can transform your financial identity and create Financial Freedom.

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Laid off and feeling unsure about what to do next? Don't worry, this is your step-by-step guide to regain control of your finances and move forward with confidence! 

 In this empowering episode of *The Shift Show with M&M*, financial wellness strategist Mary Jo Caesar shares expert advice on how to manage your money after a layoff and transform this challenge into an opportunity for growth. Whether you’re navigating the aftermath of the 2025 federal terminations or any unexpected job loss, this episode is your ultimate financial first aid kit. Here's what you'll learn:

- Stabilize Before Strategizing: Learn the first steps to take within 72 hours of a layoff, including gathering crucial documents like your separation letter and benefits information.

- Cash Flow CPR: Discover how to create a survival budget that focuses on essentials while avoiding a scarcity mindset. Mary Jo explains her 30/60/90-day framework to stretch your finances strategically.

- Prepare for What’s Next: Shift from survival mode to rebuilding mode with actionable steps to future-proof your finances, diversify income streams, and set intentional financial goals.

This conversation blends practical money management strategies with mindset coaching to help you tackle life’s curveballs. Y

ou’ll gain insights into:

- Emotional resilience and how to process the news of a layoff.

- The importance of mapping out available resources (employer benefits, government programs, and more).

- Tools and apps to track cash flow and stay organized during financial transitions.

 Take Control of Your Financial Future  

Your financial situation doesn’t define your worth! With the right tools and mindset, you can rebuild stronger than ever. Marie-Jo’s expert tips on financial literacy and empowerment will help you navigate this season with clarity and purpose.

Pro Tip: Financial resilience is about more than just numbers—it’s about cultivating a growth mindset and seeing this as an opportunity to realign with your values and goals.

Your title may change, but your value doesn’t. Keep moving forward—you’ve got this! 

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Click this link https://mariejocaesar.com/fp-quiz to take the "What's Your Financial Personality Type” Quiz, so you can transform your financial identity and create Financial Freedom.

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Welcome to the SHIFT SHOW with M&M, a special series within the Merging Life and Money podcast where we explore powerful shifts in mindset, career, and money for holistic wellness.

In this first episode, I sit down with Meghan Stockman, retired Air Force Major, former Space Weather Forecaster for NOAA, transformational coach, and CEO of KidSpace, Inc.,  a STEM-powered indoor playground for children in Denver.

Meghan shares her journey of an unexpected layoff during her federal probationary period and how she turned this crisis of identity and stability into an opportunity for purposeful reinvention.

We discuss:

• The emotional and mental impact of sudden job loss and how to process it
• The first practical and mindset steps to regain control after a layoff
• How to plant the seeds for a new life chapter rooted in clarity, courage, and confidence

Her story is a powerful reminder that reinvention is not about becoming someone new, but remembering who you truly are.

If you have ever built your life around your job, title, or service only to have it pulled out from under you, this conversation will speak to your heart – and your future.

✨ Quote of the episode:
“Sometimes when you're in a dark place, you think you’ve been buried—but you’ve actually been planted.” – Christine Caine

🎧 Listen now to feel inspired, grounded, and ready to rise.

💡 Call to Action
If this episode resonated with you, please subscribe, leave a review, and share it with someone who needs encouragement today. 

To learn more about holistic financial wellness and mindset shifts, visit www.mariejocaesar.com.

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Twitter: https://www.twitter.com/https://twitter.com/mariejocaesar
LinkedIn: https://www.linkedin.com/in/mjcaesar

Click this link https://mariejocaesar.com/fp-quiz to take the "What's Your Financial Personality Type” Quiz, so you can transform your financial identity and create Financial Freedom.

Click this link: https://mariejocaesar.com/consult to book a FREE consultation now! Let's map out your path to financial wellness together. Your future self will thank you.

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Despite controlling $31.8 trillion in global wealth, women still earn less, save less, and invest less. In this episode, I break down why—and what we can do about it. 

Discover how AI-powered tools, financial literacy, and confidence-building strategies are helping women close the wealth gap, take control of their money, and build lasting financial independence. 

💡 What You'll Learn:
• The real financial barriers women face
• How AI simplifies budgeting, saving & investing
• Tools to eliminate debt & negotiate your worth
• Confidence strategies that actually work
• The power of mentorship & money conversations 

01:18 Revolutionizing Finance with AI 

04:17 Financial Literacy for Empowerment 

12:02 Financial Discrimination and Wealth Barriers 

19:49 Building Women's Confidence 

22:14 AI's Role in Boosting Confidence 

29:20 Mentorship and Community Power 

36:33 AI in Investing: Overcoming Barriers 

46:10 Action Steps for Financial Focus 

Download The Savvy Woman's Investment Roadmap https://bit.ly/42SAxOF 

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Click this link https://mariejocaesar.com/fp-quiz to take the "What's Your Financial Personality Type” Quiz, so you can transform your financial identity and create Financial Freedom.

Click this link: https://mariejocaesar.com/consult to book a FREE consultation now! Let's map out your path to financial wellness together. Your future self will thank you.

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In this inspiring episode, host Marie-Jo Caesar addresses the unique entrepreneurial journey of Black business pioneers, exploring how their resilience, innovation, and commitment to community laid the groundwork for modern wealth-building. Against the backdrop of mass layoffs and economic uncertainty, Marie-Jo challenges listeners to think beyond traditional job security and consider entrepreneurship as a path to lasting impact and generational wealth.

In this inspiring episode, host Marie-Jo Caesar talks about the unique entrepreneurial journey of Black business pioneers, exploring how their resilience, innovation, and commitment to community laid the groundwork for modern wealth-building. Against the backdrop of mass layoffs and economic uncertainty, Marie-Jo challenges listeners to think beyond traditional job security and consider entrepreneurship as a path to lasting impact and generational wealth.

Key Points

00:00 Empowerment Through Black Entrepreneurship

03:05 Annie Malone: Pioneering Black Millionaire

06:46 Repurposing Job Skills for Entrepreneurship

12:36 Building Success Through Community Networks

16:06 Modern Sustainable Business Ecosystems

20:29 Strategic Planning for Diverse Revenue

22:53 Building Resilient Business Foundations

26:57 Enhancing Success Through Community & Finance

28:03 Legacy and Innovation in Business

32:45 Empowering Black Entrepreneurs with Tech

36:59 Building Financial Resilience and Legacy

40:53 Empowering Black Entrepreneurs Today

41:59 Black Labor Unions' Impact

Make sure to 📥 your FREE Business Transition Planning Guide → https://bit.ly/3Rnglz5 

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Twitter: https://www.twitter.com/https://twitter.com/mariejocaesar
LinkedIn: https://www.linkedin.com/in/mjcaesar

Click this link https://mariejocaesar.com/fp-quiz to take the "What's Your Financial Personality Type” Quiz, so you can transform your financial identity and create Financial Freedom.

Click this link: https://mariejocaesar.com/consult to book a FREE consultation now! Let's map out your path to financial wellness together. Your future self will thank you.

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 Powerful Wealth Lessons from Black History: Merging Life and Money 

Join me as I talk about powerful wealth-building lessons from history, featuring the resilience and success of Black entrepreneurs like Madame C.J. Walker and the community-driven prosperity of Black Wall Street. 

Learn how to apply these timeless principles to your own financial journey, with practical strategies for resilience, persistence, and strategic adaptability. 

Discover a goal achievement framework to keep you on track for financial success in 2025. 

Don't miss this enriching episode as we celebrate Black History Month and look forward to a prosperous future. 

3 Main Points 

✅ Tools for Financial Success Inspired by Black History 

✅ Framework for Achieving Financial Goals 

✅ Community-Driven Success and Networking 

 🕒 KEY MOMENTS IN THIS EPISODE 

00:00 Introduction: Setting the Stage for Financial Success 

00:39 Honoring Black History Month: Wealth-Building Lessons 

01:35 Madame C.J. Walker: A Masterclass in Resilience 

02:20 Applying Historical Lessons to Modern Financial Goals 

05:59 The Psychology of Persistence: Overcoming Financial Obstacles 

10:30 Building Resilience in Today's Business Landscape 

13:13 The Power of Sustainable Systems for Long-Term Growth 

21:12 Black Wall Street: A Blueprint for Community-Driven Success 

31:07 Creating a Goal Achievement Framework for 2025 

38:14 Conclusion: Taking Action for a Financial Legacy

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Twitter: https://www.twitter.com/https://twitter.com/mariejocaesar
LinkedIn: https://www.linkedin.com/in/mjcaesar

Click this link https://mariejocaesar.com/fp-quiz to take the "What's Your Financial Personality Type” Quiz, so you can transform your financial identity and create Financial Freedom.

Click this link: https://mariejocaesar.com/consult to book a FREE consultation now! Let's map out your path to financial wellness together. Your future self will thank you.

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Honoring MLK's Economic Justice Principles: Building Wealth and Legacy

 Join host Marie-Jo Caesar on the Merging Life and Money Show as we commemorate Dr. Martin Luther King, Jr. Day by exploring his vision of economic justice. 

Learn how Dr. King's principles can inspire modern strategies for building wealth and creating generational legacies. 

This episode addresses essential financial strategies, including budgeting, asset diversification, passive income, and the importance of life insurance, wills, and trusts. 

Empower your financial journey with values-driven financial decisions and make a lasting impact on your family and community.

3 Main Points

✅ Doctor Martin Luther King Jr.'s Vision of Economic Justice

✅ Strategies for Personal and Community Financial Empowerment

 ✅ Tools and Frameworks for Creating a Financial Legacy

🕒 KEY MOMENTS IN THIS EPISODE 

 00:00 Introduction and Honoring Dr. Martin Luther King, Jr.

02:46 Dr. King's Vision of Economic Justice

04:33 Modern Strategies for Financial Empowerment

06:09 Personal Reflections and Financial Wellness

13:31 Community-Driven Wealth Building

25:25 Leveraging Passive Income and Equity

29:22 Practical Tools for Wealth Building

33:25 Creating a Financial Legacy

46:58 Conclusion and Call to Action

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Click this link https://mariejocaesar.com/fp-quiz to take the "What's Your Financial Personality Type” Quiz, so you can transform your financial identity and create Financial Freedom.

Click this link: https://mariejocaesar.com/consult to book a FREE consultation now! Let's map out your path to financial wellness together. Your future self will thank you.

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Celebrating MLK Day: Economic Justice & Financial Empowerment

In this episode of the Merging Life and Money podcast, host Marie Jo Caesar honors Dr. Martin Luther King Jr.'s legacy by exploring his powerful vision of economic justice. 

She talks about the importance of financial education, community-driven empowerment, and sustainable wealth systems as keys to achieving generational wealth and social equity. 

Through practical steps and actionable strategies, you'll learn how to connect your financial choices to broader social justice goals, ultimately contributing to a legacy of equality and opportunity for all.

 3 Main Points

✅Understanding Dr. King's Economic Principles and Their Relevance Today

✅Connecting Financial Empowerment to Social Justice

✅Practical Strategies for Building Generational Wealth

🕒 KEY MOMENTS IN THIS EPISODE 

00:00 Introduction and MLK's Vision for Economic Justice

01:47 The Urgency of Economic Disparities

03:58 Host Introduction and Episode Overview

05:35 Dr. King's Freedom Budget and Its Relevance Today

07:49 Key Principles of Economic Justice

10:54 Applying Dr. King's Principles Today

14:02 Systemic Barriers and Breaking the Cycle of Poverty

16:53 Fostering Economic Opportunities

20:07 Mindful Money Management

24:56 Building Generational Wealth

31:16 Legacy Planning

34:11 Conclusion and Next Steps

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Click this link https://mariejocaesar.com/fp-quiz to take the "What's Your Financial Personality Type” Quiz, so you can transform your financial identity and create Financial Freedom.

Click this link: https://mariejocaesar.com/consult to book a FREE consultation now! Let's map out your path to financial wellness together. Your future self will thank you.

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In this episode, I outline a comprehensive plan to build a financially empowered mindset. 

Discover the importance of reshaping financial beliefs, setting SMART goals, developing positive money habits, expanding financial knowledge, and building a supportive financial community. 

This episode equips you with actionable steps to turn financial stress into financial empowerment, providing practical strategies and resources to set the foundation for financial growth into 2025 and beyond. 

3 Main points:

 Understanding and Shifting Your Current Financial Mindset 

Setting Clear and Actionable Financial Goals Using the SMART Framework

Developing Positive Money Habits and Leveraging Financial Knowledge and Community

 ⏱️ EPISODE HIGHLIGHTS:
 

00:00 -  Introduction and Welcome 

02:32 - Step 1: Understanding Your Current Mindset 

04:34 - Step 2: Identifying and Rewriting Limiting Beliefs 

07:53 - Step 3: Setting Clear Financial Goals 

10:53 - Step 4: Visualizing Your Financial Future 

13:38 - Step 5: Organizing and Tracking Financial Progress 

15:47 - Building Positive Money Habits 

22:25 - Cultivating Financial Knowledge 

30:34 - Step 5: Building a Supportive Financial Community 

35:54 - The Power of Community: Petsy’s Story 

38:00 - Reflecting on Our Journey Together 

40:28 - Taking Action for Financial Empowerment 

40:35 - How to Start Your Financial Empowerment Journey 

41:04 - Share Your Thoughts 

41:57 - Thank You for Tuning In 

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Click this link https://mariejocaesar.com/fp-quiz to take the "What's Your Financial Personality Type” Quiz, so you can transform your financial identity and create Financial Freedom.

Click this link: https://mariejocaesar.com/consult to book a FREE consultation now! Let's map out your path to financial wellness together. Your future self will thank you.