Mindful Money

Upcoming Event!

How Can Mindfulness Help You Reach Financial Independence?

Do you want to reduce money anxiety, but don’t know who to trust?

Would you like to learn how to set up and manage your own retirement plan?

Do you want to know how we create a passive income stream you can’t outlive?

If yes, join us and learn how to answer the 4 critical financial independence questions:

• Am I on track for financial independence?
• What do I need to do to get on track?
• How do I design a mindful investing portfolio?
• How do I manage that portfolio and my income over time through changing markets?

Learn more: https://courses.mindful.money/financial-independence-bootcamp

Manisha Thakor has worked in financial services for over thirty years, with an emphasis on women's economic empowerment and financial well-being. She is the author of MoneyZen: The Secret to Finding Your "Enough," and has been featured everywhere including The Wall Street Journal, The New York Times, NPR, PBS, CNN, CNBC, Real Simple & Women's Health. Her work focused on helping individuals of all ages balance financial health and emotional wealth.

Today, Manisha joins the show to talk about seeking wealth, counterfeit financial culture, and the difference between money problems and money worries.

📺 Watch on YouTube

https://youtu.be/tCQxxcAEwh4?si=Hijunx2kqk9VYsNp

Key Takeaways

00:59 – Jonathan introduces today’s guest, Manisha Thakor, who joins the show to talk about positive financial lessons she learned from both her mother and father

09:14 – Seeking wealth

13:36 – The feeling of ‘Enough’ and how gender influences it

16:51 – Money problems vs money worries

20:05 – The differences between the social infrastructures of the U.S. and Nordic countries

26:07 – Counterfeit Financial Culture and Hungry Ghosts, explained

32:50 – Financial Health plus Emotional Wealth equals Money Zen

36:57 – One thing we can do to increase personal and financial success and one thing to completely ignore

45:00 – One thing people don’t know about Manisha that she would like them to know, and one piece of advice she would give to her younger self

48:41 – Jonathan thanks Manisha for joining the show, encourages the audience to leave a review on her book on Amazon, and lets listeners know where to connect with her

Tweetable Quotes

“My mom is a hippie. She always - back before it was cool - had me playing with gender neutral toys and told me that money gives women voices and choices. And so I had very positive money influences growing up.” (04:47) (Manisha)

“And so, a set of behaviors that helped protect me as a young child ended up as a runaway trait, a subconscious way of moving through the world. And, in the world of finance, when you work like a maniac and you’re trying to earn a lot of money, that’s called being a good employee.” (10:57) (Manisha)

“A money problem is something that can be solved with a series of factual, tactical action steps. For example, how much house can I really afford? What is a reasonable, sustainable rate of withdrawal if I’m headed into retirement? My credit score is in the crapper. How do I improve it? Money problems.” (17:06) (Manisha)

“Money worries are things that have emotional components to their solution, versus purely factual, tactical.” (18:35) (Manisha)

“When we meet someone in the U.S. what is one of the first three questions we ask them? ‘What do you do?’ Overseas, in most countries, that is not the case. But we ask that question and we judge the person’s answer. Therefore, we are placing a value on ourselves and our fellow human beings based not on who they are - their character, the joy of being around them, the curiosity they may inspire in you - but what they do. That’s how we’re valuing them.” (21:00) (Manisha)

“Counterfeit Financial Culture is my name for the way in which we have anchored ourselves and our self-worth to false financial images.” (26:26) (Manisha)

“In lay language, the Buddhist concept [of Hungry Ghosts] is that amongst us walk hungry ghosts who have distended bellies because they are so starved for love and recognition and acceptance, but their throats are as thin as a needle. So, no matter how much of that they receive, they can never fill the hunger. And, I would argue that we have a whole heck of a lot hungry ghosts running around as a result of these factors that I talk about in Money Zen.” (31:23) (Manisha)

Guest Resources

Manisha’s LinkedIn

Manisha’s Website

Manisha’s Instagram

Manisha’s Facebook

Manisha’s YouTube

Manisha’s Twitter

Manisha’s Book

Books Mentioned:

A Room Of One's Own

Mindful Money Resources

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

🎙️

Podcast Production & Marketing by FullCast

Back to Podcast Homepage

Upcoming Event!

How Can Mindfulness Help You Reach Financial Independence?

Do you want to reduce money anxiety, but don’t know who to trust?

Would you like to learn how to set up and manage your own retirement plan?

Do you want to know how we create a passive income stream you can’t outlive?

If yes, join us and learn how to answer the 4 critical financial independence questions:

• Am I on track for financial independence?
• What do I need to do to get on track?
• How do I design a mindful investing portfolio?
• How do I manage that portfolio and my income over time through changing markets?

Learn more: https://courses.mindful.money/financial-independence-bootcamp

Sandy Lamb is an executive coach, keynote speaker, and TedX speaker coach. She did the corporate gig and saw executive coaching and leadership development as the perfect way to use her skills, help other people excel, and balance work with family and wellness. Sandy helps executives build a culture of belonging and respect by focusing on authentic leadership and emotional intelligence.

She’s the CEO of Altitude Executive Coaching and today, Sandy joins the show to talk about EQ - Emotional Quotient - empathy, and self-awareness.

📺 Watch on YouTube

https://youtu.be/9DKyfpeB9kE

Key Takeaways

00:56 – Jonathan introduces today’s guest, Sandy Lamb, who joins the show to talk about early financial lessons she learned and why she never treated money as an idol

08:12 – Sandy’s path to executive coaching

11:46 – Male-saturated versus male-dominated

13:09 – Emotional Intelligence, empathy, and self-awareness

23:43 – Privilege and avoiding the victim mentality

31:09 – The Four Progressive Areas of Empathy

36:23 – What empathy is really about

39:50 – One thing we can do to increase personal and financial success and one thing to completely ignore

43:58 – The last thing that Sandy changed her mind about and a place Sandy has visited that had a profound impact on her

48:09 – Jonathan thanks Sandy for joining the show and lets listeners know where to connect with her

Tweetable Quotes

“Now, my focus is primarily on the executive coaching and for promoting women in STEM. I don’t have an engineering degree, but I want more and more women to know that they’re worthy and that they can enter into that male-saturated industry, not male-dominated.” (11:22) (Sandy)

“Emotional Intelligence is your ability to be aware of your emotions as they’re coming up in real time.” (15:36) (Sandy)

“The key, and what I’ve really dug deep on, is this idea of empathy. And empathy really falls under social awareness in the EQ assessment world. So, it’s important to have an understanding of your own emotions.” (19:15) (Sandy)

“Understanding what it is that you have a passion for doing - what excites you to get up and go to work every day? So, there’s a piece of that that really comes into play when you’re looking at, ‘What’s the right role for me?’ And most people don’t leave their jobs, they leave their supervisors. So, again, it goes back to that relationship and this idea of, ‘Can I work for somebody who doesn’t necessarily align with my values and beliefs?’ And I think that’s something that we need to ask ourselves.” (20:02) (Sandy)

“The whole idea of women’s empowerment and being empowered is taking matters into your own hands. Don’t complain about what’s happening around you. The way in which you change your situation is you make it happen.” (26:36) (Sandy)

“Empathy is not about agreement and it’s not even necessarily about understanding as much as it is about listening. Sometimes, people just want you to listen.” (36:23) (Sandy)

“Don’t make a statement when you can ask a question. Because when you make statements, you’re talking at people; you’re not talking with them. And you are assuming that you already know what they need.” (39:19) (Sandy)

Guest Resources

Sandy’s LinkedIn

Sandy’s Email

Altitude Executive Coaching

Altitude Executive Coaching Facebook

Altitude Executive Coaching Instagram

Cracking the Rich Code: Volume 10

Books Mentioned:

The Oz Principle

Uncommon Ground

Mindful Money Resources

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

🎙️

Podcast Production & Marketing by FullCast

Back to Podcast Homepage

Upcoming Event!

How Can Mindfulness Help You Reach Financial Independence?

Do you want to reduce money anxiety, but don’t know who to trust?

Would you like to learn how to set up and manage your own retirement plan?

Do you want to know how we create a passive income stream you can’t outlive?

If yes, join us and learn how to answer the 4 critical financial independence questions:

• Am I on track for financial independence?
• What do I need to do to get on track?
• How do I design a mindful investing portfolio?
• How do I manage that portfolio and my income over time through changing markets?

Learn more: https://courses.mindful.money/financial-independence-bootcamp

Kim Curtis is the CEO of Wealth Legacy Institute and is proud to be part of a firm that puts clients first. For Kim, how you deal with money says a lot about how you deal with life. She’s the best-selling author of Money Secrets: Keys to Smart Investing, and her mission is to give women the right mindset and money formula to help them get comfortable with their money so they can focus on creating lives of purpose.

Today, Kim joins the show to talk about the Two Laws of Money, the gender differences surrounding money, and how and when money finds us.

📺 Watch on YouTube

https://youtu.be/BDSn6-O3XhE

Key Takeaways

00:54 – Jonathan introduces today’s guest, Kim Curtis, who joins the show to talk about how her parents’ divorce impacted her views on money

08:45 – The value placed on education and a student loan surprise

13:55 – The origins of the Wealth Legacy Institute

19:45 – The most potent money scripts Kim runs into with couples

24:07 – Love yourself and money will follow

25:29 – Two Laws of Money

28:46 – Differences in how men and women approach money

37:36 – One thing we can do to increase personal and financial success and one thing to completely ignore

39:32 – The last thing that Kim changed her mind about and one thing she would like others to know about her

41:27 – Jonathan thanks Kim for joining the show and lets listeners know where to connect with her

Tweetable Quotes

“Events happen in our lives all the time that we have no control over. But, what I recognized at that point, was that I did have control over the responses or the choices that I made. And that would determine my outcomes.” (11:17) (Kim)

“I wanted to create a firm that had a soul - a firm filled with humanity that puts clients first, not last - and that’s when I created Wealth Legacy Institute.” (16:43) (Kim)

“You have to have managing money tied to a financial plan for self-preservation and putting it in perspective.” (21:38) (Kim)

“Money finds you when your frequency is high. And, when we have high frequency is when we have joy, when we have aliveness, when we have gratitude, when we have self-love, when we have self-respect, when we have consciousness and awareness. That raises up our frequency to understand for money to find us. And how does money find us? Well, money finds us through our ideas, and ideas are abundant.” (25:02) (Kim)

“I think the struggle allows, for the other side, gratitude.” (37:10) (Kim)

Guest Resources

Kim’s LinkedIn

Kim’s Book

Kim’s Instagram

Happiness Doesn’t Retire Instagram

Wealth Legacy Institute Website

Wealth Legacy Institute Twitter

Wealth Legacy Institute LinkedIn

Wealth Legacy Institute Facebook

Mindful Money Resources

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

🎙️

Podcast Production & Marketing by FullCast

Back to Podcast Homepage

Upcoming Event!

How Can Mindfulness Help You Reach Financial Independence?

Do you want to reduce money anxiety, but don’t know who to trust?

Would you like to learn how to set up and manage your own retirement plan?

Do you want to know how we create a passive income stream you can’t outlive?

If yes, join us and learn how to answer the 4 critical financial independence questions:

• Am I on track for financial independence?
• What do I need to do to get on track?
• How do I design a mindful investing portfolio?
• How do I manage that portfolio and my income over time through changing markets?

Learn more: https://courses.mindful.money/financial-independence-bootcamp

Barbara Friedberg is an MBA, MS, and former portfolio manager, who is committed to investment and money education across multiple platforms. She currently owns and manages Barbara Friedberg Personal Finance.com, which is dedicated to improving investment knowledge and wealth. She consults for a select group of fintech companies and writes for many popular online media outlets.

Today, Barbara joins the show to talk about financial influencers, the difference between robo advisors and actual advisors, & what she thinks about investors choosing to pick individual stocks.

📺 Watch on YouTube

https://youtu.be/9X08VOkx4-s

Key Takeaways

00:59 – Jonathan introduces today’s guest, Barbara Friedberg, who joins the show to discuss how her ‘Depression Baby’ parents influenced her outlook on finance

05:33 – What led Barbara to blogging about the FIRE Movement

12:11 – The goal of Barbara Friedberg Personal Finance.com

14:28 – Barbara’s thoughts on financial influencers on the Internet

19:02 – Barbara’s thoughts on individuals picking stocks

22:49 – Robo advisors 2

7:29 – Overcoming the roadblock of second guessing ourselves

31:43 – Situations that call for an actual advisor

33:53 – One thing we can do to increase investing success and one thing to completely ignore

37:23 – One thing that Barbara would want people to know about her and the one question Barbara would want to know the answer to

39:43 – Jonathan thanks Barbara for joining the show and lets listeners know where to connect with her

Tweetable Quotes

“The goal [of Barbara Friedberg Personal Finance] was to get a book contract. I knew nothing about making money with the blog. That all came later. In collaboration with other bloggers, I learned, ‘Wow, people are actually making money with this. I can do this too!’ And my eyes lit up and I realized I could create a real job where I’m making a lot of money from my blog.” (12:18) (Barbara)

“And I would recommend to anyone, whomever you’re listening to, make sure you know what their background is so that you can assess the level of accuracy of their information. And also understand how they are getting paid.” (16:16) (Barbara)

“The benefit of the robo advisor is you can change your asset allocation. You can change it whenever you want.” (29:27) (Barbara)

“Many people just don’t have the interest to learn enough about investing to make those types of decisions. And, if you’re one of those people - I don’t care what your financial situation is - you may want to at least have one or two meetings with an advisor. And then there are wealthier individuals who have more complex situations, and they definitely need an advisor because they need somebody to talk about their tax situation, their estate planning, and all of that stuff, and they need help.” (32:04) (Barbara)

Guest Resources

Barbara’s LinkedIn

Barbara’s Website

Barbara’s Book

Barbara’s Facebook

Barbara’s YouTube

Link to Barbara’s Exclusive Giveaway

How to Invest, and Grow Your Wealth

Mindful Money Resources

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

🎙️

Podcast Production & Marketing by FullCast

Back to Podcast Homepage

Upcoming Event!

How Can Mindfulness Help You Reach Financial Independence?

Do you want to reduce money anxiety, but don’t know who to trust?

Would you like to learn how to set up and manage your own retirement plan?

Do you want to know how we create a passive income stream you can’t outlive?

If yes, join us and learn how to answer the 4 critical financial independence questions:

• Am I on track for financial independence?
• What do I need to do to get on track?
• How do I design a mindful investing portfolio?
• How do I manage that portfolio and my income over time through changing markets?

Learn more: https://courses.mindful.money/financial-independence-bootcamp

Franco Perez is an entrepreneur and Founder of Franco Mobile Homes, who is working on a social challenge that exists within our capitalist system, while building wealth for his own family and his team and teaching others to do the same. Franco’s mission is to address the affordable housing crisis with well-designed mobile homes.

Today, Franco joins the show to delve into the psychology of not having enough, the shame of some living situations, the benefits of home ownership, and the idea of building a company to solve a problem.

📺 Watch on YouTube

https://youtu.be/YHt8Z9o4TZY

Key Takeaways

00:53 – Jonathan introduces today’s guest, Franco Perez, who joins the show to discuss growing up as an immigrant and the contrast in what he witnessed in the Philippines and in the United States

06:21 – Choosing happiness and overcoming immense pain and hardship

19:53 – The importance of exercise and the decision to become an entrepreneur

27:29 – Staggering statistics on house affordability

32:42 – Franco provides his thoughts on why mobile homes are the best solution

35:23 – Solving the stigma of mobile homes

43:27 – One thing we can do to increase financial success and one thing to completely ignore

45:48 – One thing that Franco would want people to know about him

46:28 – Jonathan thanks Franco for joining the show and lets listeners know where to connect with him

Tweetable Quotes“There wasn’t just a wealth gap, there was an information gap. There’s a lot that I wish that I knew back then and a lot that we thought was normal when it comes to finances that actually weren’t. There’s different norms on the wealth side of things.” (04:17) (Franco)“Going through that problem - even though it was the hardest and saddest time in my life - allowed for me to mature and grow psychologically and also be able to take on bigger and harder problems. It actually built my drive to want to do better.” (10:33) (Franco)“When you’re in a very desperate situation, you learn to become resourceful and you learn to use the resources you have to try to create the most out of it.” (15:52) (Franco)“The way this world is set up is that there’s so many services out there for the rich and wealthy and there’s not enough people helping and giving the right advice to those that are average or working class. And that’s exactly what I witnessed and it’s shocking to me. I didn’t care if I made money on it or not - it was more of a side gig for me - but I just wanted to find something that would help ease a family like that.” (22:40) (Franco)“Knowing the pain was there and knowing that other families need this need allowed me to ignore the noise of people, even investors, saying, ‘Hey, this mobile home thing is crazy. You shouldn’t do this.’ But it was the need to have to fix this problem that I saw as so painful, in this system that is unfair, that I had to do it. When the ‘why’ is important enough, you just ignore the rest.” (26:58) (Franco)Guest Resources

Franco’s LinkedIn

Franco’s Website

Franco’s Website

Franco’s Instagram

Franco’s Facebook

Franco’s YouTube

Mindful Money Resources

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

🎙️

Podcast Production & Marketing by FullCast

Back to Podcast Homepage

Upcoming Event!

How Can Mindfulness Help You Reach Financial Independence?

Do you want to reduce money anxiety, but don’t know who to trust?

Would you like to learn how to set up and manage your own retirement plan?

Do you want to know how we create a passive income stream you can’t outlive?

If yes, join us and learn how to answer the 4 critical financial independence questions:

• Am I on track for financial independence?
• What do I need to do to get on track?
• How do I design a mindful investing portfolio?
• How do I manage that portfolio and my income over time through changing markets?

Learn more: https://courses.mindful.money/financial-independence-bootcamp

Maria Brito is an award-winning New York based contemporary art advisor, entrepreneur, author and curator. She was selected by Complex Magazine as one of the twenty power players in the art world and Art News says, ‘she’s one of the visionaries shaping that world.’ A Harvard graduate, originally from Venezuela, her first monograph “Out There” published by Pointed Leaf Press in 2013, was the recipient of the USA Best Book Awards in both the Art and Design Categories.

Today, Maria joins the show to discuss working with Diddy and Gweneth Paltrow, entrepreneurship, and common misconceptions about creativity.

📺 Watch on YouTube

https://youtu.be/noT_hd1LCc0

Key Takeaways

00:52 – Jonathan introduces today’s guest, Maria Brito, who joins the show to talk about how she transitioned from a Harvard-trained corporate lawyer to an art consultant

11:51 – From launching a small business to working with Diddy & Gweneth Paltrow

20:25 – Art consulting & Jumpstart Creativity

25:31 – The universal nature of creativity

30:51 – The Alchemy Lab, explained

35:57 – Common misconceptions about creativity

39:35 – One thing we can do to be more creative today and one thing to stop doing

44:50 – One thing that Maria would want people to know about her and the one question she would want to know the answer to

47:24 – Jonathan thanks Maria for joining the show and lets listeners know where to connect with her

Tweetable Quotes“The way that I teach my children about money being born and raised in New York is a very different story from how I grew up. And, the motivations they have and the things that they see are encouraging and different. And that’s not how I grew up.” (04:07) (Maria)“I believe in God. Say whatever you want. I believe that you get the confirmation when you are on the right path. And, I think part of it is beginner’s luck, honestly.” (13:01) (Maria)“I didn’t have that sort of pressure for anything to happen, right? I was like, ‘Look, I just want to prove that I am very good at choosing art - that I’m very good because I’m on top of my game and I can give a lot of value in this service business.” (18:25) (Maria) “It’s very hard to be creative and not be empathetic.” (32:03) (Maria) “I think that creativity and attention and mindfulness are very intertwined. I do not know anybody who is really creative and successful who is not paying attention.” (41:48) (Maria)Guest Resources

Maria’s LinkedIn

Maria’s Website

Maria’s X

Maria’s Instagram

Maria’s Facebook

Maria’s Pinterest

Maria’s Book

Link to Jumpstart Creativity

Mindful Money Resources

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

🎙️

Podcast Production & Marketing by FullCast

Back to Podcast Homepage

Upcoming Event!

How Can Mindfulness Help You Reach Financial Independence?

Do you want to reduce money anxiety, but don’t know who to trust?

Would you like to learn how to set up and manage your own retirement plan?

Do you want to know how we create a passive income stream you can’t outlive?

If yes, join us and learn how to answer the 4 critical financial independence questions:

• Am I on track for financial independence?
• What do I need to do to get on track?
• How do I design a mindful investing portfolio?
• How do I manage that portfolio and my income over time through changing markets?

Learn more: https://courses.mindful.money/financial-independence-bootcamp

Jamie Fiore Higgins spent almost twenty years at Goldman Sachs, reaching the pinnacle of her field by earning the role of managing director. One of just 8 percent of Goldman employees to earn the managing director title, she was the highest-ranking woman in her department. She ran the trainee and internship programs, was active in the Women’s Network Committee, and managed top equity clients and $100 billion in stock.

Today, Jamie joins the show to discuss the abuse and misogyny she experienced in a toxic Wall Street environment, what led to her departure, and how she regained her own sense of moral clarity.

📺 Watch on YouTube

https://youtu.be/OKE85JB1CuQ

Key Takeaways

00:48 – Jonathan introduces today’s guest, Jamie Fiore Higgins, who joins the show to talk about how her familial history impacted the formation of her own beliefs about money

08:14 – Jamie’s experience at Goldman Sachs

17:34 – First In, Last Out, misogyny, and buying into the lifestyle

23:15 – Jamie reflects on losing her own sense of moral clarity

32:14 – The Spreadsheet of Freedom

37:07 – Advice Jamie would give to young female professionals starting out

40:10 – Fixing the industry itself

46:05 – Hard work, mentorship, and doing things your way

49:11 – Jamie’s current project

51:24 – The last thing Jamie changed her mind about and one thing she would want others to know about her

55:31 – Jonathan thanks Jamie for joining the show and lets listeners know where to connect with her

Tweetable Quotes“I think, for me, that mindset that I kinda inherited from my father and a little bit from my grandfather is what fueled my almost twenty years at Goldman. And then I started seeing what that cost me.” (06:50) (Jamie)“I did well at first because I have a really good head for numbers, I have a work ethic - I was first in, last out - and I was really good with my clients. But what I realized at this part of my career, when I was five to seven years in, is what really gets you catapulted at Goldman is keeping your mouth shut.” (19:52) (Jamie)“In order to be successful, I had to put up and shut up. And what I realized was that, over time, when you’re constantly living against your values, when you’re constantly feeling like you’re acting in opposition to what your gut says, it just takes its toll.” (22:19) (Jamie)“I felt like Charlie Bucket. I felt like I had just gotten the Golden Ticket to the Chocolate Factory. And from the first day they said, ‘Getting a job at Goldman Sachs is harder than getting into Harvard. So, thank your lucky stars that you did something right.’” (27:51) (Jamie)“Goldman was like an addiction...I couldn’t just walk away cold turkey. I was addicted to the prestige. I was addicted to making my family proud. I was addicted to saying I was Jamie from Goldman.” (33:32) (Jamie)“Until these firms marry their wonderful goals of ‘We believe in equality, blah, blah, blah.’ They need to marry those wonderful soundbytes with actionable steps. And I think in order to do that, you need a curiosity and you need a humility.” (42:04) (Jamie)Guest Resources

Jamie’s LinkedIn

Jamie’s Website

Jamie’s X

Jamie’s Instagram

Jamie’s Book

Mindful Money Resources

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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Upcoming Event!

How Can Mindfulness Help You Reach Financial Independence?

Do you want to reduce money anxiety, but don’t know who to trust?

Would you like to learn how to set up and manage your own retirement plan?

Do you want to know how we create a passive income stream you can’t outlive?

If yes, join us and learn how to answer the 4 critical financial independence questions:

• Am I on track for financial independence?
• What do I need to do to get on track?
• How do I design a mindful investing portfolio?
• How do I manage that portfolio and my income over time through changing markets?

Learn more: https://courses.mindful.money/financial-independence-bootcamp

Chris Mamula documented his personal path to financial independence at Eat the Financial Elephant for several years before leaving his career as a physical therapist in 2017 at age 41. Shortly after, he joined Darrow Kirkpatrick at Can I Retire Yet?, where he continues to follow his calling of helping people live their best lives. He’s the co-author of the book, Choose FI, and his mission is to spread the life-changing message of financial independence to a broader audience.

Today, Chris joins the show to talk about common misconceptions around the FIRE Movement, what it means to have a valuist mindset, and why it’s imperative to prioritize saving money.

📺 Watch on YouTube

https://youtu.be/y86KdZNzscM

Key Takeaways

00:58 – Jonathan introduces today’s guest, Chris Mamula, who joins the show to talk about debt, helping people, and the decision to choose a path towards financial independence, retire early (FIRE)

11:20 – FIRE resources and common misconceptions about the FIRE Movement

15:48 – Having a ‘valuist’ mindset

18:08 – Valuing financial independence over retirement

21:45 – Statistics around retirement readiness and the vision of ‘Can I Retire Yet’

25:49 – How Chris is raising his children to think about money and finances

32:22 – The psychology of saving money

37:16 – One thing we can do to increase financial success and one thing to completely ignore

39:47 – The last thing Chris changed his mind about

41:59 – Jonathan thanks Chris for joining the show and lets listeners know where to connect with him

Tweetable Quotes

“Debt is a part of life for most people - at the very least a mortgage. Virtually no one can buy their first house with cash unless they’re getting a lot of parental support. That’s, unfortunately, a part of life for most people.” (04:50) (Chris)

“A ‘valuist’ just means you really line your spending up with your personal values. To me, that kinda just summed up exactly what we were doing.” (15:48) (Chris)

“There’s this Warren Buffet idea of giving your kids enough that they can do anything, but not enough that they can do nothing.” (28:58) (Chris)

“One of the bigger downsides of reaching financial independence is that I wish I had more impact. But, again, I’m trying to keep perspective of where I’m at in life.” (30:38) (Chris)

“If you really dive into the big things that move the needle - housing, cars, food - change those big things, get out of debt so you don’t have your money working against you, and start saving where your money is working for you and it’s surprising how things add up. But you have to make the change and you have to do those big things.” (35:18) (Chris)

“If you want to change your financial picture, you have to know where your money is going.” (37:56) (Chris)

Guest Resources

Chris’ LinkedIn

Can I Retire Yet

Eat The Financial Elephant

Abundo

Chris’ Book: Choose FI

FIRE Resources:

JL Collins

Choose FI Podcast

The Psychology of Saving Money

Books Mentioned: Outlive

Mindful Money Resources

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

🎙️

Podcast Production & Marketing by FullCast

Back to Podcast Homepage

Upcoming Event!

How Can Mindfulness Help You Reach Financial Independence?

Do you want to reduce money anxiety, but don’t know who to trust?

Would you like to learn how to set up and manage your own retirement plan?

Do you want to know how we create a passive income stream you can’t outlive?

If yes, join us and learn how to answer the 4 critical financial independence questions:

• Am I on track for financial independence?
• What do I need to do to get on track?
• How do I design a mindful investing portfolio?
• How do I manage that portfolio and my income over time through changing markets?

Learn more: https://courses.mindful.money/financial-independence-bootcamp

Paul Merriman is a nationally recognized authority on mutual funds, index investing, and asset allocation. He founded Merriman Wealth Management in 1983, retired from the firm in 2012, and created the Merriman Financial Education Foundation. Everything he does is dedicated to providing investors of all ages with information and tools to make informed decisions for their own best interests.

Today, Paul joins the show to reflect on early financial lessons he learned, discuss the current state of financial education, and share the top three decisions everyone must make in their financial lives.

📺 Watch on YouTube

https://youtu.be/MFHHT8oOnUs

Key Takeaways

00:47 – Jonathan introduces today’s guest, Paul Merriman, who joins the show to share his background in finance and the scarcity mindset he developed while growing up

07:15 – Paul reflects on early experiences that shaped his money story

11:25 – Paul’s career journey

17:22 – The state of financial education today

22:08 – How to make others understand that financial education is a lifelong process

27:46 – The FIRE (Financial Independence, Retire Early) movement and other financial advice

31:25 – Indicators of misleading financial advice

33:46 – A life changing experience

39:39 – The top three decisions everyone must make in their financial lives

45:38 – Paul’s thoughts on the 1% advisor fee

54:30 – One place Paul has visited that had a profound impact on him and the one question Paul would want to know the answer to

58:50 – Jonathan thanks Paul for joining the show and lets listeners know where to connect with him

Tweetable Quotes

“I don’t know why, but I started selling when I was eleven years old. And I kept selling from selling Christmas cards at eleven to selling in the record shop when I was in high school, selling in the clothing store. I have always enjoyed facing the public and I feel like I’ve always had something worthwhile to sell. And so, while others may see selling as a lowly profession, I’ve always found it to be wonderful because really it’s just another form of teaching as far as I’m concerned.” (03:54) (Paul)

“It’s amazing how much great information is being laid at the feet of young people. And there’s a lot more of that great information coming. On the other hand, there is an abundance of really bad advice that is available for free. The price is not what it costs to get the education. The price is gonna come when you get the education and those amazing investments don’t work out.” (17:39) (Paul)

“We all say that the best strategy is the one that you will use for the rest of your life. Now, you want it to be a good strategy. We don’t want you to be in cryptocurrency for the rest of your life. But, chasing performance is just not a winning strategy.” (35:40) (Paul)

“As a matter of fact, if you look at what is behind successful investing, it’s almost all about being a contrarian and doing the opposite.” (48:35) (Paul)

“Generally speaking, even though investment advisors are gonna make a good living, it’s not about making the big sale to get money right now, because they’re looking for a lifetime commitment. The salesperson who gets a commission can get rich right now for a few minutes worth of work. It doesn’t work that way with investment advisors. If you don’t like me after six months, I’m outta there.” (54:01) (Paul)

Guest Resources

Paul’s LinkedIn

Paul’s Website

Paul’s Podcast

Paul’s Email

Paul’s Facebook

Paul’s YouTube Channel

Paul’s Twitter

Mindful Money Resources

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

🎙️

Podcast Production & Marketing by FullCast

Back to Podcast Homepage

Upcoming Event!

How Can Mindfulness Help You Reach Financial Independence?

Do you want to reduce money anxiety, but don’t know who to trust?

Would you like to learn how to set up and manage your own retirement plan?

Do you want to know how we create a passive income stream you can’t outlive?

If yes, join us and learn how to answer the 4 critical financial independence questions:

• Am I on track for financial independence?
• What do I need to do to get on track?
• How do I design a mindful investing portfolio?
• How do I manage that portfolio and my income over time through changing markets?

Learn more: https://courses.mindful.money/financial-independence-bootcamp

Kristen Wonch is a money coach who works with women to build a relationship with money that turns them on. She does this by teaching women how to earn more, hold onto more, and grow it more simply.

A self-proclaimed, ‘wealth ninja,’ Kristen joins the show today to discuss the impact our financial beliefs have on our success, the differences between masculine and feminine energy, and how to avoid the three fatal mistakes investors make.

📺 Watch on YouTube

https://youtu.be/WrIyoybatWQ

Key Takeaways

00:54 – Jonathan introduces today’s guest, Kristen Wonch, who joins the show to share her journey to financial planning and how she made an early association between money and goals

07:22 – Breaking down masculine and feminine energy

14:02 – Where Kristen gets her information and how she differentiates herself as a financial coach

20:09 – The impact of our beliefs

24:48 – Overcoming the hurdle of limiting beliefs

34:12 – How men and women approach finances differently

38:29 – The shift in society around equality and opportunity

40:49 – Three fatal mistakes that investors make

45:34 – One piece of advice Kristen would give to a woman looking to invest for the first time and one thing to completely avoid

49:34 – The last thing Kristen changed her mind about and one thing people don’t know about her that she would like them to know

52:52 – Jonathan thanks Kristen for joining the show and lets listeners know where to connect with her

Tweetable Quotes

“What I grew up believing about money was that there wasn’t a lot of it. Money was a thing to be stressed about, it wasn’t to be overspent, and it wasn’t to be spent on things that were luxuries.” (02:48) (Kristen)

“In our society, we’re socialized to believe that the masculine energy is the way to make shit happen - it’s the way to make money, it’s the way to achieve, it’s the way to climb the corporate ladder. So, society doesn’t socialize us to value a lot of the feminine energy aspects, like building relationships, empathy, having emotional intelligence.” (12:34) (Kristen)

“We all have beliefs. All of the beliefs you have about money - all the beliefs you have about yourself and the beliefs you have about world - that drives every single one of your actions. And most of the beliefs that you’re holding you’re not even aware that you have; you actually think that it’s true.” (18:40) (Kristen)

“With the inequality conversation, believing that there are certain things, both structural and societal, that mean you can’t be successful. Well that belief serves you because if you have that belief, you don’t have to go after your dreams or your goals. You just get to sit inaction and stay safe. Well, that’s not gonna get you a large and fulfilling life, so stop telling yourself that shit.” (24:08) (Kristen)

“You can create results, you can make money, you can build wealth, and you don’t have to burn out doing it. You don’t have to exhaust yourself. Your health is more important. You can’t pour from an empty cup.” (32:33) (Kristen)

“A lot of women, the biggest thing that holds them back is not feeling safe to have, hold, and make a lot of money. They believe they’re going to be judged. They believe that they’re not good with money, and so they try to get rid of it. They believe that they’re going to be a target. That lack of safety that women feel by growing and expanding I think holds a lot of women back.” (36:44) (Kristen)

Guest Resources

Mindful Money’s Long-Term Cost of an Advisor calculator

100 Money Blocks Free Guide

Kristen’s LinkedIn

Kristen’s Website

Women’s Money Mastery

Kristen’s Podcast

Kristen’s Email

Kristen’s Facebook

Kristen’s Instagram

Mindful Money Resources

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

🎙️

Podcast Production & Marketing by FullCast

Back to Podcast Homepage