Proactive is the word I’d use to describe the client I’m chatting with this week. She dared to reach out to work with me even though she was in an okay place with her finances so she could move from good to great.

Nicole started working with me early last year after getting a lump sum of money from refinancing her condo. After talking to her financial advisor, she quickly realized she needed a coach to help her make decisions and work with her on her money mindset. She wanted to understand how she could reframe her spending habits to get what she wanted out of her finances.

In today’s episode, you’ll hear Nicole share the significant shifts she has made since working with me.

In this episode, you’ll learn —

[01:19] What motivated Nicole’s initial contact and the financial hurdles that made her reach out and work with me

[09:02] How our coaching partnership has shifted Nicole’s mindset, financial control, and ownership in her business

[24:37] How to create the freedom to do what you enjoy without worrying about money.

[27:17] How Nicole feels after investing in herself to the level she is now and why it’s priceless

[30:11] Setbacks that Nicole has been able to navigate after working with me and the lessons she has learned

[34:56] Nicole’s biggest takeaway for someone who wants to move from good to great

Tune in to this episode of Money Files to learn more about Nicole’s story, how you can reframe your mindset and make shifts in your personal and business finances.

Get full show notes and the episode transcript:

https://wealthovernow.com/how-nicole-shifted-her-finances-from-good-to-great/

Links mentioned in this episode…

https://wealthovernow.com/appointment

If you are in a 9-5 job and in a position where you want to create your transition plan to work for yourself, you’re not alone. It’s been almost two years since I left my job to work full-time in my business. When I first started working for myself I used my savings and contract work to manage my expenses but went back to full-time employment to rebuild my savings. I learned a lot and today I want to share my personal story of transitioning from a 9-5 to working for myself full-time.

Building your business and creating a financial safety net to quit your job is all about creating an exit plan.

If you’re looking to create your own financial exit plan this episode is for you.

In this episode, you’ll learn…

[00:36] How working and building your business at the same time can help you plan your exit strategy and how I did it

[04:10] Six steps to help you prepare to leave your job and go full-time into your business and how they worked for me

[06:26] 1. Separate your personal and business finances to prepare yourself for effective decision-making and financial success

[07:42] 2. Prepare your business finances by creating your budget and breaking it down

[09:25] 3. Determine what your ideal financial safety net looks like that will help you feel safe to leave your job

[10:30] 4. Know your numbers and how much you will pay for hidden numbers, such as taxes, PTO, and healthcare, and incorporate them into your business budget.

[15:19] 5. Determine your paycheck and the scale to use as you move from bronze, silver, to gold budget in your business.

[17:29] 6. Be clear on your income goal; If your income goal is $100,000, determine what your income will allow you to do and how much you need to make in a month.

Tune in to this episode of Money Files to learn more about the six steps and how you can implement them to create financial safety to leave your job and make a smooth transition.

Get full show notes and the episode transcript:

https://wealthovernow.com/how-to-prepare-a-transition-plan-to-work-for-yourself-full-time/

Links mentioned in this episode…

https://wealthovernow.com/appointment

EP. 18 Giving Yourself Permission To Grow Your Business And Take On A Full-Time Job

One of the common challenges I see as my clients make more money is an unintentional shift in focusing on their numbers.  

Most of my clients would tell you they had a budget when they were making less money - because they felt like they needed to budget.  But now that they’re making six figures or even multiple six figures they no longer feel the need to budget.

This is simply because their thoughts about money and the need to budget has changed.  There is an underlying belief that budgeting is only for managing money that can barely meet your needs. Instead of thinking about budgeting as a tool to create a life you love.

In today’s episode, I want to invite you to shift your relationship with your finances by teaching you a simple financial decision-making protocol that you can use at any income level.

In this episode, you’ll learn:

[00:01:24] How lifestyle creep leads to a sense of entitlement and you feel entitled to unintentionally spend money that you have.

[00:02:13] The importance of creating a healthy financial decision-making protocol for yourself.

[00:05:19] The benefits of building an awareness of how you spend money.

[00:18:18] Why you should plan in advance on what you want to be able to say yes to.

Tune in to this episode of Money Files to learn how to create a healthy financial decision-making protocol for yourself.

Get full show notes and the episode transcript:

https://wealthovernow.com/establishing-a-healthy-financial-decision-making-process/

Links mentioned in this episode: 

https://wealthovernow.com/appointment

Wealth Over Now Spending Plan 

Do your financial dreams go beyond improving your credit score or paying off debt?

One of the common challenges I see as a coach is that people do not allow themselves to have financial dreams outside of common financial advice like saving more money, improving their credit score, or paying off debt.

When I think about my own financial dreams, even while I was in the midst of paying off my student loans and saving $50 per month, my dreams were big. I was outlining the next version of my life because while I was aware of the goal to pay down debt and save more, I also knew those challenges weren’t always going to be there.

In today’s episode, I want to give you permission to dream.  What do you want life to look like after you’ve saved six months of expenses or after you’ve paid off all of your debt? Think about the things that you want to be able to say yes to, write them down and allow your brain to explore life after you reach your goals. Giving yourself permission to dream will allow you to attach a purpose for the money in your life and your brain will problem solve to accomplish your current goals while also building your capacity to dream bigger.

In this episode, you’ll learn:

[00:00:54] Why giving yourself permission to dream is important

[00:02:40] How your dreams are incorporated in my coaching partnership

[00:04:08] Selling yourself on the life that you desire to build

[00:12:20] Using financial visioning to help you dream bigger

[00:13:56] Ideas for your dream list

[00:15:01] Establishing your goals in four areas of your life- Six Months From Now, One year From Now, Five years from now, 80 years from now

Tune in to this episode of Money Files to learn the importance of giving yourself permission to dream big in order to create the life you desire.

Get full show notes and the episode transcript:

https://wealthovernow.com/how-to-use-financial-dreams-to-pay-off-debt-and-save-money/

Links mentioned in this episode: 

https://wealthovernow.com/appointment

EP. 19 Financial Visioning

I’ve worked with over 100 people since I started my coaching business and one thing connects them all, they’re worried about what they will lose if they commit to knowing their numbers. And you might find yourself thinking in a similar way, it’s normal.

But it’s important to understand that prioritizing your finances is the equivalent of you choosing to put your oxygen mask on first. And when you choose to put your oxygen mask on first, you have the ability to be present in every other area of your life.

And a simple shift of being financially present will allow you to see what opportunities you can choose to say yes to with more ease and confidence.

In this episode, you’ll learn:

[00:02:37] Why your financial fear is leading to avoidance

[00:12:31] Accepting failure as part of your financial journey

[00:13:32] Avoiding your finances is going to keep you creating the same results that you have right now

[00:18:13] The importance of practicing financial gratitude

[00:25:24] Investigate, what opportunities are you not saying yes to because you don't know your numbers

Tune in to this episode of Money Files to learn the importance of knowing your numbers so you can say yes to more opportunities.

Get full show notes and the episode transcript:

https://wealthovernow.com/prioritizing-your-finances-so-you-can-say-yes-more/

Links mentioned in this episode:

https://wealthovernow.com/appointment

Tavianna’s Growing Money Confidence

Tavianna’s 30-Day Money Transformation

It’s that time of year again: open enrollment season, a time of year that people largely forget about. Maybe you just picked the first health plan you saw when you started a new job, without considering your individual health needs, or you set up the 401k contributions based only on your employer’s match program.

If you’ve never reviewed your plans or contributions since then, you’re probably leaving money on the table – money that could be getting you closer to your financial goals. Reevaluating your flexible spending, retirement, and health plans each year and making adjustments as your needs change will help you align your contributions with your long-term financial plans.

In today’s episode, I’m talking about why you need to take advantage of the end-of-year open enrollment season, by reviewing your health coverage, asking questions, using trial and error, and planning out your contributions. I’ll also walk you through the different types of programs that might be available to you and how they can work together so you can make sure that your money and your benefits are in alignment with your financial goals.

In this episode, you’ll learn…

[01:22] Why you need to reevaluate your plans and contributions during open enrollment season and ways to ensure that the coverage you have aligns with your health needs

[08:21] How paying attention to your bills and asking questions about your coverage can help you save money

[14:07] The importance of finding out if your FSA money rolls over to the next year and monitoring how much you spend so you know how much to contribute

[17:12] What’s different about an HSA and how to determine which plan makes the most sense for you

[20:46] Why asking more questions before getting a procedure can benefit your health and your finances

[21:29] How planning regular increases in your 401k contributions will benefit your long-term financial health

Tune in to this episode of Money Files for tips on how to approach open enrollment season and making the most of your benefit plans and financial contributions.

Get full show notes and the episode transcript:

https://wealthovernow.com/why-reviewing-your-finances-during-open-enrollment-season-will-set-you-up-for-financial-success-next-year

If you’re a type-A person like me, you probably grew up in an environment where you were praised for the ability to do things on your own instead of constantly asking for help. For me, the belief that I should be able to figure everything out by myself served me well… until it didn’t and started hindering my personal growth.

These last few weeks, I’ve been exploring what it means to embrace feelings of vulnerability and fear to move out of my comfort zone and reach out for support. Because to say yes to myself and to become the best version of me, I have to let go of the shame and other negative emotions that tell me I should do everything by myself and build that habit to ask for the help that I need.

If this resonates with you, especially when it comes to asking for help with your finances, just know that I understand the journey, and I’m here to support you with grace and compassion. On the other side of these negative emotions is a transformation that can change your life for the better.

In this episode, you’ll learn…

[03:33] How emotions can hold you back when you don’t allow yourself to process them

[07:08] Why it’s necessary to embrace vulnerability and ask for help to become the best version of yourself in your personal life and your finances

[09:53] Why I get so excited to offer help and support my clients as they shift the way they think about money

[12:05] How sharing our struggles and asking for help builds that habit and allows us to reach out more consistently

Tune in to this episode of Money Files to move through shame and fear and start asking for the help you need.

Get full show notes and the episode transcript:

https://wealthovernow.com/how-asking-for-help-allows-you-to-become-the-best-version-of-yourself

Links mentioned in this episode…

Daring Greatly by Brené Brown

Are you in a position where you know you need to make a change, but are too stuck in old beliefs and fears around money to ask for help?

That was the story for my client Karen, until she made the brave decision to reach out and ask me for help. Karen first started working with me at the beginning of the pandemic after going through bankruptcy.  Today, I’m catching up with her after almost two years since we started working together.

In this episode, Karen reflects on the changes financial coaching brought into her life, like being able to pay for car repairs without an anxiety attack, how she does weekly money dates and continues to personalize the tools I developed for her to fit her changing life, and how the support she received during financial coaching allowed her to rein in her emotional spending and rebuild her trust in herself.

Toward the end of our chat, Karen shares how she recently found her one-year plan that she made with me and how she was surprised to discover that she had met every single goal that she had set for herself, from living on her own to moving to a new state. 

Financial coaching completely changed Karen’s life, not only by teaching her how to set goals, but by giving her the skills and the confidence that have empowered her to reach those goals. Her biggest piece of advice to others is to take the leap today, right now, if you’re ready to make a change in the way you manage your finances and your life as well.

In this episode, you’ll learn…

[02:47] What made Karen decide to finally make the leap to start working with me and her feelings about having someone in her corner on her financial journey

[10:04] How Karen has kept up with her budget and stayed in control of her finances

[17:44] How Karen continues to use the skills she learned during our coaching partnership to address her financial triggers

[25:01] Why Karen, who is usually non-confrontational, likes to negotiate now and how she prepares for expected and unexpected expenses

[32:52] How Karen learned to trust herself again and develop confidence through managing her money

Tune in to this episode of Money Files to hear how my financial coaching partnership changed Karen’s life.

Get full show notes and the episode transcript:

https://wealthovernow.com/how-the-skills-karen-learned-during-our-financial-coaching-partnership-continue-to-support-her

Links mentioned in this episode…

Karen’s first episode

Are you a person in position to price your own work by doing 1099 work on the side or even as a full-time solopreneur? Are you undercharging and having difficulty making the amount of money that you need to make your business sustainable and your life less anxious?

To charge the amount you need for business and financial success, you need to examine how you think about your services and start charging based on the value you provide, not necessarily for “accessibility” or “affordability” (because those are going to change based on each individual’s values anyway.)

In today’s episode, I’m going to help you evaluate your mindset around your pricing system, whether you’re about to start charging for your services, you’ve already started a side-business and need to make sure you’re actually getting a worthwhile return on investment for your time, or you’re a full-time solopreneur trying to make sure that your prices can sustain the life you want to live.

Taking the time to evaluate your mindset around your prices, understand why you price your services the way you do, and adjust your prices based on your lifestyle and financial goals will allow you to have more control over your finances and more choices for how you spend your hard-earned time and money.

In this episode, you’ll learn…

[04:27] Keina’s experience of pricing for “accessibility” instead of value and how it wasn’t sustainable for her business and the life she wanted to lead

[07:40] How Keina thinks about the value she provides her clients (and the $2 million she’s helped them collectively save) and why it’s given her so much confidence in her pricing

[14:26] The questions you need to ask yourself before you decide to start charging for your services so you can show up fully for yourself and your clients

[19:07] How to evaluate your prices if you’re already charging for services so you can make sure your ROI is worth it

[28:02] How planning backwards from the amount of money you’d like to make and how you’d like to make that money will help to clarify how much your need to charge for your services

Tune in to this episode of Money Files to examine your mindset around pricing and start charging for your services in a way that serves you AND your clients.

Get full show notes and the episode transcript:

https://wealthovernow.com/evaluating-your-mindset-so-you-can-feel-confident-in-your-pricing/

Links mentioned in this episode…

Keina’s Facebook Group

Do you find yourself paying off debt each month, only to find yourself surprised by an even higher credit card bill a month or two later?

If you want to break the cycle of debt, it starts with understanding how money is moving in and out of your life. If you don’t think about your money until it starts to cause you pain, you end up spending and “figuring it out later”, often resorting to using your tax refund or holiday bonus to pay off debt. Discovering the habits keeping you in debt and then creating a plan to mindfully choose what you do — or don’t — want to use debt for, will help you break your debt cycle permanently.

In today’s episode, I’m talking about five things that might be keeping you in a debt cycle, how to pull yourself out of that cycle by examining your emotions and motivations, and the importance of setting boundaries and intentions around credit card usage so that you can finally move out of debt and into a more thoughtful, mature way of handling your finances.

When you understand the role that money plays in your life, when you have awareness of how you’re spending, and intention around how you want to spend, you can build long-term money habits that will help you stay out of debt. If you’re ready to commit to becoming a person who mindfully manages their finances, tune in to this episode!

In this episode, you’ll learn…

[02:27] How making a commitment to yourself helps you break free from debt and build long-term skills for managing your money

[12:14] How to break the debt cycle by examining your money habits

[14:23] What you can do to address impulsive spending that’s tied to your emotions

[17:51] Common reasons you’re in credit card debt and how to tackle them

[25:09] How understanding the way you use debt allows you to make more thoughtful, long-term decisions

[26:49] How setting intention and purpose for your credit card usage helps you stay out of debt

Tune in to this episode of Money Files for tips on getting out of debt, improving your relationship with debt, and building solid money management habits.

Get full show notes and the episode transcript:

https://wealthovernow.com/how-to-break-the-debt-cycle-by-understanding-your-spending-habits

Links mentioned in this episode…

Previous episode: How Jeanine Got Out of the Debt Cycle in Five Short Months

Previous episode: Shift the Way You Think About Saving to Build Better Financial Habits

Download my FREE spending plan