Mindful Money

Award-winning financial coach, author and speaker Holly Morphew joins the show to discuss her incredible journey from debt to financial freedom. Holly is the author of Simple Wealth: The Practical Guide to Transform Your Relationship with Money and Live in Abundance and today she breaks down her Financial Impact System that has helped to improve the financial situations of so many.

Jonathan and Holly discuss her work in financial literacy, the importance of believing and investing in yourself and why everyone should own a business at some point in their lives.

https://youtu.be/5rvf3Y-OavA

01:06 – Holly Morphew discusses her unique upbringing and the mindset her family instilled in her around money

06:25 – ‘Discovering’ $67,000 in credit card debt

09:58 – A series of financial awakenings

13:30 – Common financial misconceptions and living in an abundance mindset

20:18 – Holly breaks down her Financial Impact System

22:58 – Creating residual income

26:04 – Defining financial independence and how it differs from retirement

31:00 – One thing listeners can do today to improve their financial wellbeing and one thing to avoid

34:05 – The importance of investing in yourself

37:27 – Why everyone should have a business

46:36 – The last thing Holly changed her mind about and one thing she wishes people knew about her

48:42 – The next big thing for Holly and where to follow and connect with her

“At the time, I was a member of Rotary International. And so I just went to them with this idea. I said, ‘I have an idea for a service project. What if I go to local high schools and I teach young adults about money before they graduate, and get in the real world, and start making all the mistakes that my friends and I were making.’ And they loved the idea and that’s how it began.” (03:45)

“Ultimately, what I know about myself now is I was always meant to be an entrepreneur. I was always meant to work for myself. And I always wanted to get to that kind of life, but I didn’t really know how to do it.” (10:49)

“I do think that it’s a privilege to tune out what the world is telling us. And anyone can do it; this is free. It’s your choice.” (19:21)

“Building wealth is twenty percent strategy and eighty percent mindset.” (20:51)

“The definition of financial independence is the point when the income that you receive from sources other than a job can pay for your expenses.” (27:28)

“Really, when you think about money, it is just this intangible thing that we are creating more of every day. The government is printing more of it every single day. We’ve got new cryptocurrency coins all the time. When you really start to think about money, it truly is infinite and you can call more of it into your life.” (35:17)

“That feeling of accomplishing the pillars of wealth and then getting really good at defaulting to healthier habits just takes practice. There’s no such thing as perfection when it comes to money. It’s just about doing your best. And every day is an opportunity to practice.” (46:08)

Holly’s Website – https://www.financialimpact.com/

Holly’s Instagram – https://www.instagram.com/hollymorph/?hl=en

Holly’s Facebook – https://www.facebook.com/FinancialImpactSystem

Holly’s Twitter – https://twitter.com/HollyMorph

Holly’s YouTube – https://www.youtube.com/channel/UCyu44ljnKKXTrAYlEeBUmbg

Holly’s LinkedIn – https://www.linkedin.com/in/hollymorph/

Holly’s Book – https://www.amazon.com/Simple-Wealth-Practical-Transform-Relationship-ebook/dp/B08TYW2JT3

Money Date Guide – https://www.financialimpact.com/money-date-guide/

For all the free stuff at Mindful Money: https://mindful.money/resources

To buy Jonathan’s first book - Mindful Money: https://www.amazon.com/Mindful-Money-Practices-Financial-Increasing/dp/1608684369

To buy Jonathan’s second book – Mindful Investing: https://www.amazon.com/Mindful-Investing-Outcome-Greater-Well-Being/dp/1608688763

Subscribe to Jonathan’s Weekly Newsletter: https://courses.mindful.money/email-opt-in

Capture the most important benefit of an advisor – behavioral support – without the 1% fee: https://courses.mindful.money/membership

For more complex, one on one financial planning and investing support with Jonathan or a member of Jonathan’s team: https://www.epwealth.com/our-team/berkeley/jonathan-deyoe/

Website: https://mindful.money

Jonathan on LinkedIn: https://www.linkedin.com/in/jonathandeyoe

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CFP and PhD Kathleen Rehl has had many careers spanning from academia to financial advisory. Most recently, Kathleen has continued penning pieced about widows and money and speaking at selected conferences and events. She is the author of Moving Forward On Your Own: A Financial Guidebook for Widows .

Today, Kathleen reflects on the death of her husband, speaks to how it impacted her and her business, and provides financial and personal advice for widows and widowers.

https://youtu.be/Rb4EEYNZ2fs

01:03 – Kathleen Rehl shares her experience growing up in a four-generation family, early money lessons and her decision to leave academia

08:10 – What inspired Kathleen to write Moving Forward On Your Own: A Financial Guidebook for Widows

13:17 – How Kathleen’s business changed after the death of her husband

16:28 – Kathleen reflects on previous work she’s done with widows and how the experience varies with expected and unexpected deaths

25:03 – Pension, insurance and other general financial surprises that impact widows

26:40 – Basic financial advice Kathleen would give to widows and some of the biggest financial mistakes widows make

31:39 – Support systems and the importance of checking in

34:33 – Financial matters a widow should focus on

38:43 – Resources from Kathleen’s website

45:26 – The last thing Kathleen changed her mind about and one thing she wishes people knew about her

49:28 – Kathleen talks about her ‘ReFirement’

51:48 – Jonathan thanks Kathleen for joining the show and lets listeners know where they can connect with her

“I didn’t know - with my husband gone - if I was going to be able to continue the business without him. But, my assistant stepped up and took on some more responsibilities and we kept going. I pulled back for a little bit and all my existing clients were very understanding. But I found that I didn’t step back for very long because work was what made sense to me.” (14:10)

“Every situation is unique. And, just because it happened like this for me, doesn’t mean that it’s gonna fit this widowed person over here. But generally, if it was an anticipated death versus an unanticipated death, for many folks out there if it’s an anticipated death, they will start doing some of the things in advance that they need to do planning for this time. Whereas if it’s an automobile accident and they are just gone, they haven’t had time to put a lot of those things in place.” (18:59)

“If you look at men and women, eighty percent of all women when they die are gonna be alone or not married. Eighty percent of men die married.” (21:58)

“That’s where I got a lot of comfort. I had one lady friend who had lost her husband two years before and I had assisted her with some financial matters. That first week, she came over several times in the evening. She brought her crocheting with her. And there were some evenings that she’d just sit crocheting and I’d just sit going through the sympathy cards. But she was there. She was a presence with me.” (32:35)

“Be careful about people who are looking to take advantage who might be potential spouses. When I re-entered the dating game, a very wise widow said to me, ‘Kathleen, be careful. You don’t want to get together with somebody who is looking for you to be their purse or their nurse or their mother.’” (39:57)

“I call it reFirement with a capital ‘F.’ It’s not retirement, it’s reFirement. And, for me, the ‘Fs’ are: family, friends, fitness, focus, and fun.” (49:37)

Kathleen’s Website – https://www.kathleenrehl.com/

Kathleen’s Facebook – https://www.facebook.com/kathleen.rehl

Kathleen’s LinkedIn – https://www.linkedin.com/in/kathleen-m-rehl-ph-d-cfp%C2%AE-ceft%C2%AE-emeritus-30178421/

Kathleen’s Book – https://www.amazon.com/Moving-Forward-Your-Own-Financial/dp/0984579303

Soaring Spirits International – https://soaringspirits.org/

Modern Widows Club – https://modernwidowsclub.org/

Jane Fonda and I Happily Agree About Drinking After 60 – https://sixtyandme.com/abstinence-from-drinking/

For all the free stuff at Mindful Money: https://mindful.money/resources

To buy Jonathan’s first book - Mindful Money: https://www.amazon.com/Mindful-Money-Practices-Financial-Increasing/dp/1608684369

To buy Jonathan’s second book – Mindful Investing: https://www.amazon.com/Mindful-Investing-Outcome-Greater-Well-Being/dp/1608688763

Subscribe to Jonathan’s Weekly Newsletter: https://courses.mindful.money/email-opt-in

Capture the most important benefit of an advisor – behavioral support – without the 1% fee: https://courses.mindful.money/membership

For more complex, one on one financial planning and investing support with Jonathan or a member of Jonathan’s team: https://www.epwealth.com/our-team/berkeley/jonathan-deyoe/

Website: https://mindful.money

Jonathan on LinkedIn: https://www.linkedin.com/in/jonathandeyoe

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Gary Ray is the CEO of Black Diamond Games and the author of Friendly Local Game Store: A Five-Year Path to Middle-Class Income. A former IT engineer and project manager, Gary made the decision to start his own business focused on everything from board games and trading card to classic games and collectibles.

Today, Gary and Jonathan talk about some of the early financial lessons Gary learned and what inspired him to open his own store. Gary shares advice and best practices for small business owners, including paying yourself first, understanding the value of time vs. money, and setting aside funds for retirement. Gary touches on his lengthy journey as an entrepreneur, the evolution he underwent as a business owner and his Mexican travel dream.

https://youtu.be/J2Y396_T47c

01:07 – Gary Ray shares his earliest experiences with money and debt, his background in IT, and what inspired him to pursue an entrepreneurial dream of running his own store

07:58 – The origin story of Black Diamond Games

10:46 – Critical lessons Gary learned in launching a business

14:42 – The value of time vs. the value of money

21:05 – Gary’s Mexican travel dream and the importance of being stubborn

25:14 – Paying yourself first and planning for retirement

27:51 – One piece of advice Gary would give to other small business owners and one financial concept to ignore

30:26 – The Boy Scout story

33:53 – Financial lessons Gary hopes to instill in his son

35:35 – The last thing Gary changed his mind about and one thing he wishes people knew about him

38:18 – Jonathan thanks Gary for joining the show and lets listeners know where they can connect with him and Black Diamond Games

“Business plans are half research, half bullshit speculation. A business plan basically says, ‘we’re going to be successful and here’s how we’re going to do it.’ And you don’t know if you’re gonna be successful. You just know you’re going to spend a bunch of money, people are gonna give you their money, and at the end you’re going to have a reasonable profit margin. What’s a reasonable profit margin? I didn’t even know the answer to that until I started asking questions and figuring it out.” (11:30)

“A good competitor is great, but there’s a lot of bad competitors. And the sign of a bad competitor is they’re undercapitalized, they get desperate, and they do stupid things and they ruin things for you.” (14:09)

“It [owning a business] is wickedly complex and difficult. It’s the most complex thing I’ve ever seen. It’s taken me seventeen years to understand how it works and I’m still learning on a day- to-day basis.” (24:11)

“Everything for me comes down to habits. If I can habitualize my behavior then I will continue doing it.” (29:03)

Black Diamond Games Website – https://blackdiamondgames.com/

Gary’s Facebook – https://www.facebook.com/garyraybdg1

Gary’s Blog – http://blackdiamondgames.blogspot.com/

Gary’s Twitter – https://twitter.com/blackdiamondca

Gary’s Book – https://www.amazon.com/Friendly-Local-Game-Store-Middle-Class/dp/0981884075

Gary’s LinkedIn – https://www.linkedin.com/in/gary-ray-0b42b89/

For all the free stuff at Mindful Money: https://mindful.money/resources

To buy Jonathan’s first book - Mindful Money: https://www.amazon.com/Mindful-Money-Practices-Financial-Increasing/dp/1608684369

To buy Jonathan’s second book – Mindful Investing: https://www.amazon.com/Mindful-Investing-Outcome-Greater-Well-Being/dp/1608688763

Subscribe to Jonathan’s Weekly Newsletter: https://courses.mindful.money/email-opt-in

Capture the most important benefit of an advisor – behavioral support – without the 1% fee: https://courses.mindful.money/membership

For more complex, one on one financial planning and investing support with Jonathan or a member of Jonathan’s team: https://www.epwealth.com/our-team/berkeley/jonathan-deyoe/

Website: https://mindful.money

Jonathan on LinkedIn: https://www.linkedin.com/in/jonathandeyoe

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Debbie Allen is an author, business mentor, brand strategist, and the number one authority on expert positioning. Debbie runs a mentoring program for experts where she leverages her decades of entrepreneurial wisdom and business building experience to successfully mentor a diverse group of small business owners, entrepreneurs and franchise owners.

Today, Debbie and Jonathan talk about mutually beneficial mentor-mentee relationships, the importance of mindset and personal development and why success is so contingent on being a lifelong learner.

https://youtu.be/-kM18ION_sc

01:07 – Debbie Allen shares her scrappy entrepreneurial origin story and talks about how mentors were vital to her success

09:35 – Debbie defines both what a mentor is and what a mentor does

11:59 – What to look for in a good mentor-mentee relationship

13:52 – Debbie speaks to the diverse range of clients she works with

20:44 – Personal development and the importance of mindset

28:55 – Shameless self-promotion

33:28 – Learning via Summits and other video platforms

37:34 – Debbie expounds on the work she’s doing with her mentoring program for experts

43:13 – Debbie talks about her latest book, Success Is Easy

48:55 – The last thing Debbie changed her mind about and one thing she wishes people knew about her

51:14 – Jonathan thanks Debbie for joining the show and lets listeners know where they can follow her

“You can sell a very successful business and give it to the right people. But, again, if they don’t have that drive to want to learn or a mentor to follow, it’s really hard. Solo entrepreneurship isn’t solo. You have to have a mentor all the time to be successful.” (09:19)

“It doesn’t matter, your age. It doesn’t matter if you know how to do it. Ever business I started I didn’t know how. You find people to help you. That passion and excitement just keeps you moving forward.” (17:34)

“It’s crazy to think you’re gonna start a business on a shoestring budget. You just can’t. It’s gonna take you so much longer to be successful.” (23:52)

“You promote yourself in the service of others. So, if you’re not talking about your programs, what you’re offering, how you help people, you’re not only robbing yourself of more income. You’re robbing them of the opportunity to work with you and make a difference.” (30:08)

“When you’re that true entrepreneur, you’re a lifelong learner. You’re always looking for that next thing.” (44:51)

“I’m here to help people. And so, when I’m not as motivated, or not feeling as confident, it isn’t about me anymore. It’s about the people that I help.” (51:05)

Expert Positioning Success Website – https://debbie-allen.mykajabi.com/expert-positioning-strategy-call

Debbie’s Website – https://debbieallen.com/

Debbie’s Facebook – https://www.facebook.com/DebbieAllenInternational

Debbie’s YouTube – https://www.youtube.com/user/dallen7001

Debbie’s LinkedIn – https://www.linkedin.com/in/debbieallenspeaker/

Debbie’s Books:

Success Is Easy – https://www.amazon.com/Success-Easy-Shameless-No-nonsense-Strategies/dp/1599186470

The Highly Paid Expert – https://www.amazon.com/gp/product/B07J1BWCC1/ref=dbs_a_def_rwt_bibl_vppi_i0

Insider Secrets of International Speaking – https://www.amazon.com/gp/product/B01BDCRJMU/ref=dbs_a_def_rwt_bibl_vppi_i2

Skyrocketing Sales! – https://www.amazon.com/gp/product/1419510487/ref=dbs_a_def_rwt_bibl_vppi_i4

Confessions of Shameless Self-Promoters – https://www.amazon.com/gp/product/0071462023/ref=dbs_a_def_rwt_bibl_vppi_i3

For all the free stuff at Mindful Money: https://mindful.money/resources

To buy Jonathan’s first book - Mindful Money: https://www.amazon.com/Mindful-Money-Practices-Financial-Increasing/dp/1608684369

To buy Jonathan’s second book – Mindful Investing: https://www.amazon.com/Mindful-Investing-Outcome-Greater-Well-Being/dp/1608688763

Subscribe to Jonathan’s Weekly Newsletter: https://courses.mindful.money/email-opt-in

Capture the most important benefit of an advisor – behavioral support – without the 1% fee: https://courses.mindful.money/membership

For more complex, one on one financial planning and investing support with Jonathan or a member of Jonathan’s team: https://www.epwealth.com/our-team/berkeley/jonathan-deyoe/

Website: https://mindful.money

Jonathan on LinkedIn: https://www.linkedin.com/in/jonathandeyoe

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Jennifer Rayner is a retirement plan consultant and the founder of Moniwell, a revolutionary text-based financial wellbeing program. She and Jonathan share a passion for financial literacy and a recognition that people need easily accessible education customized to their needs at a particular time.

Today, Jennifer and Jonathan engage in a discussion about employer-offered retirement plans, how to differentiate between participation and engagement of these plans and what inspired Jennifer to launch Moniwell. Jennifer speaks to the importance of financial self- efficacy, provides some sage advice on what employees can do right now to enhance their financial wellbeing and discusses her non-profit organization, Mindfulness of Money.

https://youtu.be/EMqBkJESHRY

01:11 – Jennifer Rayner shares some of the financial mistakes she made in her early life, her resiliency as an entrepreneur, and her passion for financial literacy

09:48 – What employees should expect to be educated about with regards to their retirement plans

13:24 – Engagement vs. Participation in retirement plans such as a 401(k)

16:14 – The inspiration to create Moniwell and what Moniwell offers

30:01 – Financial self-efficacy and other content that’s covered via Moniwell texts

33:41 – The work Jennifer is doing through her non-profit organization, Mindfulness of Money

36:43 – Two things employees can do right now to enhance their financial wellbeing and financial content to ignore

44:46 – The last thing Jennifer changed her mind about and one thing she wishes people knew about her

47:45 – Jonathan thanks Jennifer for joining the show, lets listeners can go to follow her

“That’s when I started thinking about how can I make a difference, do something that I’m passionate about and find something that truly I have passion in and that I don’t ever really want to retire. And that’s when I fell into this idea of a different way to approach employees about their financial situations.” (09:18)

“So, obviously participation rates in 401(k) plans are much higher. The average is - don’t quote me on this - like 70% are actually participating. There’s a difference between engagement and participation. Participation is they’re in the plan, they’re putting something in, they have a balance. Engagement is engaging in other financial wellness products that will make a difference outside of ‘did they put anything in their 401(k) plan or are they saving enough?’ Those are two different things. That’s apples and oranges as far as I’m concerned.” (14:03)

“Moniwell is this concept of feel better, do better. If employees feel better about their money situation, they will be motivated to do better.” (19:07)

“There’s an underlying concept of financial self-efficacy which is your belief in your ability to succeed. And, if you don’t have it, you’re not gonna get anywhere.” (30:16)

Jennifer’s LinkedIn– https://www.linkedin.com/in/jenniferrayner/

Moniwell Website – https://moniwell.com/testdrive/

Moniwell LinkedIn – https://www.linkedin.com/company/moniwell/

Mindfulness of Money Non-Profit – https://mindfulnessofmoney.org/

Mindfulness of Money Twitter – https://twitter.com/Moni_Confident

Mindfulness of Money LinkedIn –https://www.linkedin.com/company/mindfulness-of-money/about/

Other Links Mentioned:

The Disruptors Documentary – https://disruptorsfilm.com/see-the-film?gclid=CjwKCAjwp7eUBhBeEiwAZbHwkTIoYY0XyCK95_wLrPJPggWKaHTDOU0ZrHPfJJW5iW75sKbVkdUdYhoCpjkQAvD_BwE

For all the free stuff at Mindful Money: https://mindful.money/resources

To buy Jonathan’s first book - Mindful Money: https://www.amazon.com/Mindful-Money-Practices-Financial-Increasing/dp/1608684369

To buy Jonathan’s second book – Mindful Investing: https://www.amazon.com/Mindful-Investing-Outcome-Greater-Well-Being/dp/1608688763

Subscribe to Jonathan’s Weekly Newsletter: https://courses.mindful.money/email-opt-in

Capture the most important benefit of an advisor – behavioral support – without the 1% fee: https://courses.mindful.money/membership

For more complex, one on one financial planning and investing support with Jonathan or a member of Jonathan’s team: https://www.epwealth.com/our-team/berkeley/jonathan-deyoe/

Website: https://mindful.money

Jonathan on LinkedIn: https://www.linkedin.com/in/jonathandeyoe

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Tom Corley is a CPA/CFP and holds a Master's Degree in Taxation. He also is the best-selling author of the Rich Habits book series, which include, Rich Habits , Rich Kids , Change Your Habits, Change Your Life , and Effortless Wealth , among others. Tom understands the difference between being rich and poor, having experienced it firsthand at a young age.

Today, Tom shares his story of overcoming adversity and what inspired him to research the wealthy and launch over 200 daily habits. Tom identifies specific habits that are critical to financial wellbeing as well as which ones to avoid and expounds on why it’s incredibly difficult to break out of poverty.

https://youtu.be/J16CJykqMyg

00:55 – Tom Corley shares how his experience with money growing up impacted his career and adult life greatly

09:25 – Studying the wealthy and the inspiration to start the Rich Habits book series

15:15 – The importance of knowing what to do and what not to do

20:04 – Pushback and criticism Tom has encountered throughout his career

29:06 – A scientific explanation for the formation of a habit

32:46 – Why it is so difficult to break out of poverty and Tom’s mission of outreach to the poor

37:35 – Two habits people can work on today to improve their financial wellbeing

41:29 – Two bad habits to avoid

47:02 – Jonathan thanks Tom for joining the show, lets listeners can go to follow him and his research and teases a future conversation with Tom

50:55 – Hustle culture and how to turn it off

52:47 – Tom’s next big project

“Almost always the things that happen to you as a child follow you into adulthood. It’s not just the emotional experiences, it’s the habits that are forged in childhood.” (03:53)

“The money lesson I learned growing up was don’t save, because if you save somebody in your poor family is going to take that money from you.” (05:28)

“I’m in the self-help and personal development space along with Tony Robbins and all these other people that I’ve met. And they always focus on what wealthy and successful people do. I always say, that only gets you halfway down the football field. It’s nice to know what to do, but you also have to know what not to do.” (15:15)

“The way habits work is when you start a new behavior that you want to forge to become a habit, the group of neurons lights up in your brain. Now, once you start repeating that behavior, after a couple of weeks, the basal ganglia - which is sort of a golf ball sized mass of nerve cells in the brain - sends up a dendrite. And then the dendrite communicates back to the prefrontal cortex that this could be a habit.” (29:06)

“Passion is the brain’s way of alerting you to the existence of an innate talent that you possess.” (39:36)

“I came from a household that was rich and that was poor and let me tell you, rich is great. Being poor sucks. I want people to know that I know what both sides are like and you’ve got to do whatever you can to get out of poverty.” (45:17)

Tom’s Website – https://richhabits.net/

Tom’s Facebook – https://www.facebook.com/thomas.c.corley.3

Tom’s Twitter – https://twitter.com/RichHabits

Tom’s YouTube Channel – https://www.youtube.com/user/RichHabits10

Tom’s Books:

Rich Habits – https://www.amazon.com/gp/product/B00IDJGVT4/ref=dbs_a_def_rwt_bibl_vppi_i0

Change Your Habits, Change Your Life – https://www.amazon.com/gp/product/9388247132/ref=dbs_a_def_rwt_bibl_vppi_i5

Rich Habits, Poor Habits – https://www.amazon.com/gp/product/B01N0T44BD/ref=dbs_a_def_rwt_bibl_vppi_i2

Rich Kids – https://www.amazon.com/gp/product/B00NF3ZZJA/ref=dbs_a_def_rwt_bibl_vppi_i3

Effortless Wealth – https://www.amazon.com/gp/product/B087KTPBM7/ref=dbs_a_def_rwt_bibl_vppi_i4

Books Mentioned:

The Millionaire Next Door – https://www.amazon.com/Millionaire-Next-Door-Surprising-Americas/dp/1589795474

For all the free stuff at Mindful Money: https://mindful.money/resources

To buy Jonathan’s first book - Mindful Money: https://www.amazon.com/Mindful-Money-Practices-Financial-Increasing/dp/1608684369

To buy Jonathan’s second book – Mindful Investing: https://www.amazon.com/Mindful-Investing-Outcome-Greater-Well-Being/dp/1608688763

Subscribe to Jonathan’s Weekly Newsletter: https://courses.mindful.money/email-opt-in

Capture the most important benefit of an advisor – behavioral support – without the 1% fee: https://courses.mindful.money/membership

For more complex, one on one financial planning and investing support with Jonathan or a member of Jonathan’s team: https://www.epwealth.com/our-team/berkeley/jonathan-deyoe/

Website: https://mindful.money

Jonathan on LinkedIn: https://www.linkedin.com/in/jonathandeyoe

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Podcast Production & Marketing by FullCast

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Bari Tessler is a financial therapist, author and founder of The Art of Money. For over twenty years, Bari has worked with individuals, couples, and entrepreneurs to provide them with a more creative, mindful and deep approach to money. Today, Bari brings that knowledge and expertise to discuss her three phases of deep money work: Money Healing, Money Practices and Money Maps. Bari talks about self-compassion, understanding the emotions surrounding money and your money story, and how to overcome universal money challenges that can be overwhelming at times.

https://youtu.be/AuN2t5WythE

00:52 – Bari Tessler discusses her upbringing and how it impacted her financial life moving forward

10:01– From psychology at Naropa University to bookkeeping to financial therapy

19:47 – Self-compassion and The Art of Money

21:56 – Becoming aware of your money story

25:50 – The importance of going on ‘Money Dates’

33:45 – Money Maps and making sound money decisions

37:24 – Universal money challenges that overwhelm most of us

42:07 – Two financial tips that can improve your financial well-being

46:46 – Top trends to ignore in the financial space

50:42 – How Bari is raising her son to think about money

55:05 – The last thing Bari changed her mind about

56:52 – Bari’s next big projects and where listeners can go to learn more

“At the age of thirty-two, I decided to start my own work and that’s when I created my methodology. And my husband said, ‘Oh you’re doing financial therapy.’ He named it, so he’s always been my namer. And I thought, ‘Wow, that’s a great name.’” (17:57)

“Awareness is something that many of us don’t have, or we feel we have too much of, or we have a hyper-vigilance of. And so, how can we start welcoming in a practice like the Body Check-In before, during, and after.” (25:35)

“Money dates can be with yourself. They can be with your spouse or your partner. They can be with your family. Money dates can be five minutes a day at the beginning. It may just be going online to check your balances. Or going online and checking your balances to see the transactions to see if there’s anything funny.” (28:17)

“For me, most of my money decisions are based on time, money, energy, family and health.” (36:33)

Bari’s Website – https://baritessler.com/ 

Bari’s Facebook – https://www.facebook.com/baritessler 

Bari’s Instagram – https://www.instagram.com/baritessler/ 

Bari’s Books: 

The Art of Money: https://baritessler.com/art-of-money-book-2/  

The Art of Money Workbook: https://baritessler.com/art-of-money-workbook/

The Opposite of Spoiled: 

https://www.amazon.com/Opposite-Spoiled-Raising-Grounded-Generous/dp/0062247018/ref=asc_df_0062247018/?tag=hyprod-20&linkCode=df0&hvadid=312177564685&hvpos=&hvnetw=g&hvrand=3889354781202364267&hvpone=&hvptwo=&hvqmt=&hvdev=c&hvdvcmdl=&hvlocint=&hvlocphy=9004216&hvtargid=pla-491693543208&psc=1&tag=&ref=&adgrpid=60258870697&hvpone=&hvptwo=&hvadid=312177564685&hvpos=&hvnetw=g&hvrand=3889354781202364267&hvqmt=&hvdev=c&hvdvcmdl=&hvlocint=&hvlocphy=9004216&hvtargid=pla-491693543208 

The Importance of Being Little: 

https://www.amazon.com/Importance-Being-Little-Children-Grownups/dp/0143129988/ref=asc_df_0143129988/?tag=hyprod-20&linkCode=df0&hvadid=312543040920&hvpos=&hvnetw=g&hvrand=149365350058765130&hvpone=&hvptwo=&hvqmt=&hvdev=c&hvdvcmdl=&hvlocint=&hvlocphy=9004216&hvtargid=pla-301998303971&psc=1

For all the free stuff at Mindful Money: https://mindful.money/resources

To buy Jonathan’s first book - Mindful Money: https://www.amazon.com/Mindful-Money-Practices-Financial-Increasing/dp/1608684369

To buy Jonathan’s second book – Mindful Investing: https://www.amazon.com/Mindful-Investing-Outcome-Greater-Well-Being/dp/1608688763

Subscribe to Jonathan’s Weekly Newsletter: https://courses.mindful.money/email-opt-in

Capture the most important benefit of an advisor – behavioral support – without the 1% fee: https://courses.mindful.money/membership

For more complex, one on one financial planning and investing support with Jonathan or a member of Jonathan’s team: https://www.epwealth.com/our-team/berkeley/jonathan-deyoe/

Website: https://mindful.money

Jonathan on LinkedIn: https://www.linkedin.com/in/jonathandeyoe

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Mark Silver has been helping entrepreneurs create authentic marketing programs that feel good to them for over two decades. After being introduced to Sufi-based healing work, Mark launched The Heart of Business and has been helping good people create sustainable businesses ever since. Today, Mark shares lessons on understanding our relationship with money, embracing ethical business practices and empowering a spiritually-oriented, heart-centered approach to money and business.

https://youtu.be/-xONUeCyYJQ

00:51 – Jonathan opens the show with some appreciation for recent listener reviews

01:29 – Mark Silver shares how an early business lesson led to a journey of activism

07:18 – Defining ‘The Heart of Business’

09:19 – Embracing sound, ethical business practices and building the business you want to build

14:45 – Leaning in and finding the love in an often cruel financial world

18:08 – Our relationship with money

20:43 – Empowering entrepreneurs to take control of their futures

28:19 – Mark reflects on a meaningful success story from his work

32:16 – The last thing Mark changed his mind about

34:08 – One thing that Mark wishes people knew about his

34:55 – Jonathan thanks Mark for joining the show and lets listeners know where to connect with him

“The ‘Heart of Business’ is, in Sufi spiritual terms, everything is an expression of the divine, of oneness, of the source of love. Everything comes from love and everything returns to love. The heart is where the locus of connection is. The heart - from a Sufi point of view of course - is how we connect to the oneness and the infinite.” (07:31)

“Business has done terrible things. And what we’re trying to do is we’re trying to do business from the heart, with integrity and still be successful. You still want to provide for yourself. You still need to make money, and pay the mortgage, and have a retirement, and all of those things. But you can do that without following in the footsteps of morally and ethically bankrupt business practices.” (10:49)

“Actions arise out of relationships. If you have an unhealthy relationship, you’ll be making unhealthy decisions and taking unhealthy actions. But if you have a healthier relationship, then you can make healthier decisions and you can take healthier actions that will move you in a direction that you want to go in.” (17:51)

“So many of our clients carry these kinds of things. Whether it’s chronic illness, or trauma, or single moms or queer community or trans. There’s a lot of folks who just have pieces of their life that are not often represented or accounted for in mainstream culture. And being an entrepreneur is a wonderful way to kind of forge your own path when work situations are not very equitable.” (26:07)

“It’s so beautiful because people feel so empowered when they do embrace their sovereignty and they do realize they can make the business exactly how they want. And they can make these decisions from love and care, without leaving themselves out of the equation. And they can do things with integrity. I feel so humbled witnessing that happen over .” (27:54)

Mark’s Website – https://www.heartofbusiness.com/

Link to Heart of Business Assessment – https://www.heartofbusiness.com/free-stuff/

Mark’s LinkedIn – https://www.linkedin.com/in/marksilverhob/#experience

For all the free stuff at Mindful Money: https://mindful.money/resources

To buy Jonathan’s first book - Mindful Money: https://www.amazon.com/Mindful-Money-Practices-Financial-Increasing/dp/1608684369

To buy Jonathan’s second book – Mindful Investing: https://www.amazon.com/Mindful-Investing-Outcome-Greater-Well-Being/dp/1608688763

Subscribe to Jonathan’s Weekly Newsletter: https://courses.mindful.money/email-opt-in

Capture the most important benefit of an advisor – behavioral support – without the 1% fee: https://courses.mindful.money/membership

For more complex, one on one financial planning and investing support with Jonathan or a member of Jonathan’s team: https://www.epwealth.com/our-team/berkeley/jonathan-deyoe/

Website: https://mindful.money

Jonathan on LinkedIn: https://www.linkedin.com/in/jonathandeyoe

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Pamela Slim is a business coach and co-founder of K’é Main Street Learning Lab, a grassroots community-based think tank for small business acceleration. She is also the author of multiple works, including Body of Work, Escape from Cubicle Nation , and The Widest Net. Today, Jonathan and Pamela engage in a rich discussion on building empathy and trust with clients and the importance of having a values-based mission and vision. Pamela speaks to her earliest experiences with money, explains The Ecosystem Model from her book, The Widest Net , and shares what motivates and inspires her to continue the work she’s doing.

https://youtu.be/blbdJpoLPEE

00:56 – Pamela Slim shares how early lessons on money shaped how she views finances today

07:31 – Corporate coaching, a passion for grassroots economic change, and escaping Cubicle Nation

12:22 – How Pamela defines success with her clients/Helping people make better decision about earning money

15:16 – Common goals and fears Pamela has observed from the clients she works with

21:19 – Pamela speaks to her book, The Widest Net

26:05 – The metaphor of business systems and farming

28:32 – Why strong mission and value statements are essential to Pamela’s method

36:02 – The Ecosystem Model, explained

41:41 – The last thing Pamela changed her mind about

45:22 – One thing that Pamela wishes people knew about her

48:23 – Jonathan thanks Pamela for joining the show and lets listeners know where to connect with her

“I spent a lot of time abroad. In that path, I have always been and always will be very passionate about grassroots economic change. Not a top-down model where you parachute in a model from elsewhere or a bunch of money from elsewhere, but really harnessing the strength and skills from folks that are on the ground.” (08:28)

“My role, and what I tell every client when we start working together, is really to support and strengthen their leadership so they feel better, stronger, and more capable. I help them to be more secure in their decisions, more grounded in their own identity, more sure about their own point of view and their own thought leadership.” (13:10)

“The question and some of the concerns that come in are: what is my own capacity for earning? What does it mean to really increase my earnings? There’s never an issue about wanting to make an impact, but sometimes we have to explore a deliberate connection between how are you making your money, how are you marketing, how are you implementing your ethics and integrity and operating in a capitalist system, which we know has some big limitations, and yet doing work in a sustainable way.” (16:23)

“For me, The Widest Net is really about creating an unbroken net that underlies an overall community or ecosystem. So, no matter what happens, no matter how far somebody falls, there are other people who are there to catch. We are building a really powerful and strong foundation.” (21:42)

“If I can use my life force for the rest of my life to make people feel stronger, more confident, more capable, and with more choices around how they earn money, that’s how I really want to be spending my time.” (29:16)

“I get as excited and filled with dopamine as anybody else when you look at possibility. When I blend it with a lens on inclusion, equity, just certain patterns that, if there’s not substantial change and awareness and analysis, then it is unlikely that there will be any kind of shift in power and wealth. That’s a part that, for me, I would love if it becomes pervasive, extensive wealth for all.” (44:51)

Pamela’s Website – https://pamelaslim.com/ke/

Pamela’s LinkedIn – https://www.linkedin.com/in/pamelaslim

Pamela’s Instagram – https://www.instagram.com/pamslim/?hl=en

Pamela’s Books:

Body of Work – https://www.amazon.com/Body-Work-Finding-Thread-Together/dp/1591846196/ref=asc_df_1591846196/?tag=hyprod-20&linkCode=df0&hvadid=312111907622&hvpos=&hvnetw=g&hvrand=15152070695528859851&hvpone=&hvptwo=&hvqmt=&hvdev=c&hvdvcmdl=&hvlocint=&hvlocphy=9004216&hvtargid=pla-453838270925&psc=1

Escape From Cubicle Nation – https://www.amazon.com/Escape-Cubicle-Nation-Corporate-Entrepreneur/dp/0425232840/ref=sr_1_1?crid=9S8GZ30OKNH&keywords=escape+from+cubicle+nation&qid=1651164531&s=books&sprefix=escape+from+cubicle+nation%2Cstripbooks%2C93&sr=1-1

The Widest Net – https://www.amazon.com/Widest-Net-Untapped-Discover-Customers/dp/1264266790

For all the free stuff at Mindful Money: https://mindful.money/resources

To buy Jonathan’s first book - Mindful Money: https://www.amazon.com/Mindful-Money-Practices-Financial-Increasing/dp/1608684369

To buy Jonathan’s second book – Mindful Investing: https://www.amazon.com/Mindful-Investing-Outcome-Greater-Well-Being/dp/1608688763

Subscribe to Jonathan’s Weekly Newsletter: https://courses.mindful.money/email-opt-in

Capture the most important benefit of an advisor – behavioral support – without the 1% fee: https://courses.mindful.money/membership

For more complex, one on one financial planning and investing support with Jonathan or a member of Jonathan’s team: https://www.epwealth.com/our-team/berkeley/jonathan-deyoe/

Website: https://mindful.money

Jonathan on LinkedIn: https://www.linkedin.com/in/jonathandeyoe

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Podcast Production & Marketing by FullCast

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Robin Treasure is a top-performing sales coach and the best-selling author of Heart Powered Sales. After a successful first career in Rome and San Francisco as an Italian translator, she transitioned into sales with the key transferable skill needed in any capacity, in any language: emotionally intelligent communication. Today, Robin shares her experiences with money growing up and how following her heart has led to success in each of Robin’s career paths. Robin debunks the stigma associated with sales and discusses the different, yet equally valuable, skills that men and women bring to the profession.

https://youtu.be/mU42QGgSpkU

00:50 – Robin Treasure shares how her upbringing and following her heart led to her success in multiple different careers

10:23 – Embracing the fact that you’re always selling something

14:10 – Understanding the stigma behind sales

18:49 – Believing in what you’re selling

23:09 – Robin shares her belief that just about anyone can be good at sales

25:52 – Unique gifts that men and women bring to sales

27:40 – How Robin was able to translate her skills into wealth for her family, future and community

32:01 – The last thing Robin changed her mind about

34:24 – One thing that Robin wishes people knew about her

35:42 – Jonathan thanks Robin for joining the show and lets listeners know where to connect with her

“For my parents, their goal was not to make money or be wealthy. They wanted to be wealthy in other ways. And they did achieve that by living the life that they desired and living out their dream of building a log cabin on a mountain top.” (03:43)

“I always followed my heart. And what that does is it provides me the guidance on what is my next best step and what am I meant to be doing and how can I show up in the world in the best possible way and do something that I love and have a positive impact on the world at the same time.” (07:35)

“Embrace sales because it’s not a dirty word. In fact, the way you deliver your gifts is to make a sale.” (11:54)

“If you can show up and be that person who serves, who educates, who helps guide your prospect along that decision making path, you’re providing a great service so that you can transform and not fit into that stereotype or persona of that sleazy salesman.” (18:23)

“Men and women each have unique gifts to bring to the table. Women are particularly gifted with the ability to listen and to be attune to what other people are feeling. And when you’re in sales, being attune to your prospects' feelings, needs, and wants is incredibly important.” (26:04)

“What do you do with the earnings that come in? Not just spending, saving and investing; it goes beyond that. Those earnings can enable you to do something more impactful and more meaningful.” (28:36)

“Truly, beyond the mission of helping sales professionals to realize their personal and professional goals, my desire and mission is truly to help others shine their light. Each of us has a light to shine and sometimes we need permission in order to shine it fully. And that’s what I’m here to do.” (35:12)

Robin’s Website – https://www.robintreasure.com/

Robin’s LinkedIn – https://www.linkedin.com/in/robin-treasure-2683305

Robin’s Book – https://www.amazon.com/Heart-Powered-Sales-Exponentially-Emotional-Intelligence-ebook/dp/B09RGS2ZNM

For all the free stuff at Mindful Money: https://mindful.money/resources

To buy Jonathan’s first book - Mindful Money: https://www.amazon.com/Mindful-Money-Practices-Financial-Increasing/dp/1608684369

To buy Jonathan’s second book – Mindful Investing: https://www.amazon.com/Mindful-Investing-Outcome-Greater-Well-Being/dp/1608688763

Subscribe to Jonathan’s Weekly Newsletter: https://courses.mindful.money/email-opt-in

Capture the most important benefit of an advisor – behavioral support – without the 1% fee: https://courses.mindful.money/membership

For more complex, one on one financial planning and investing support with Jonathan or a member of Jonathan’s team: https://www.epwealth.com/our-team/berkeley/jonathan-deyoe/

Website: https://mindful.money

Jonathan on LinkedIn: https://www.linkedin.com/in/jonathandeyoe

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Podcast Production & Marketing by FullCast

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