The Financial Operator

In this heart-touching episode of Mills Bender's podcast, we are honored to host the extraordinary Carol Cho. Her life narrative, evolving from the daughter of immigrant parents to a beacon of financial empowerment, is a tale steeped in resilience, learning, and immense personal growth.

Join us as Carol unravels her life's journey. From facing financial devastation as a divorcee and minority woman to her transformation into a fervent financial advisor, her story is a beacon of hope and a testament to the power of determination and education.

Tune in to hear Carol shed light on the human side of financial stories, reflecting on her own trials, such as leaving her marital life with nothing, battling the starving artist stereotype, and rising from the ashes to claim her worth, both financially and personally. She delves into the importance of advocating for oneself and the transformative impact of financial education, something she passionately advocates for today.Carol's mission is clear: to infuse as many women's hands with wealth as possible, empowering them to change the world.

And in this episode, she shares practical insights and offers a guiding hand to all listeners eager to embark on their journey to financial autonomy.Be inspired by Carol's heartfelt conversation with Mills Bender, and arm yourself with the knowledge and mindset needed to take control of your financial destiny. Listen in as Carol touches on every critical aspect of transcending financial struggle, embodying empowerment, and the importance of self-belief in the journey to financial security and abundance.

Don't miss this incredible episode filled with wisdom, authentic experiences, and a roadmap to financial empowerment with Carol Cho on Mills Bender's podcast. Subscribe, tune in, and let the journey to empowering wealth begin!

In this riveting episode of Mills Bender's podcast, we dive deep with Conrad Ruiz, the visionary founder of WellAware.Me. Ever felt like there aren't enough hours in the day? Conrad uncovers the transformative potential of automation and the invaluable role of Virtual Assistants (VAs) in today's busy world. Learn how integrating these tools and techniques can not only streamline your business processes but also gift you the luxury of time. Whether you're an entrepreneur on the grind or someone just looking to make the most out of their day, this episode is a must-listen. Plus, discover the myriad ways in which WellAware.Me can revolutionize your personal and professional life.

Want to delve deeper into the world of automation and VAs? Connect with Conrad Ruiz directly! Reach out to him at wellaware.me

In today's episode, Frederick Zada, founder of ICB Firearms, shares his inspiring journey into the world of firearms, starting from his deep-rooted family passion for guns. He discusses the creation of ICB Firearms, shedding light on the unique brand identity and its ties to his rich cultural background. His story takes a heartfelt turn as he talks about the tragic loss of his brother and how it pushed him to take the leap into the business world. The COVID-19 pandemic, protests, and riots acted as catalysts, providing unexpected boosts to his venture. Mills Bender of millsknowsbills.com joins the conversation, praising Frederick's resourcefulness and dedication. The two delve deep into the challenges Frederick faced, particularly his struggles with trust due to past experiences and the financial hurdles he had to overcome. The conversation reveals Frederick's mission to foster unity in the community, emphasizing mutual respect irrespective of political affiliations. Mills, the financial guru, reflects on the successes and challenges in their working relationship and lauds Frederick's future vision. The episode concludes with Frederick giving insights into the firearms world, highlighting the importance of safety, knowledge, and community-building. If you're looking for a blend of business insights, personal growth, and community vision, this episode is a must-listen!

Join Mills on this episode of the "Master Your Money" podcast where she dives deep into mastering finances and scaling businesses. Special guest Andrea Seeger-Doring, a marketer, business coach, and founder of "Team Up to 10x", shares her personal struggles with money, the challenges she faced in merging business and household finances, and the transformative journey she took to conquer her financial insecurities. Andrea unveils her mission to empower women, minority, and veteran-owned businesses, shedding light on her ambitious goal of building a million-dollar business in just 90 days. Listen in for actionable insights on creating sustainable growth strategies, understanding ROI, and the importance of accountability in the marketing world. This episode is a must-listen for anyone looking to elevate their financial game and business acumen

We're gearing this conversation towards our client, Vin Henry. VIN as in variable income earner and HENRY as in high earner, not rich yet. Today, we're diving deeper into how Vin Henry can create stability within their finances by following our five step framework: mindset, budgeting, debt payoff, saving and investing.

What You'll Learn:

• The 4 buckets of money mindset based on your childhood experience

• The 3 steps to setting a budget: identifying mandatory expenses, determining base income goals, and considering extras for debt payoff, savings, and investing

• Debt snowball vs debt stacking payoff strategies

• Emergency funds should cover 3 to 9 months of personal and business expenses for variable income earners or business owners

• Examples of how varying investment yields compare over long periods of time. Each decade you wait will mean you need to invest 3 times as much money to achieve the same result.

• Starting your financial journey with mindset and budgeting, even if they're not perfect, is crucial.

The Money and Business Mastermind program offers weekly meetings, recorded workshops, access to our Facebook group, all courses and webinars, and 30% discounted one-on-one financial reviews. The topics covered include money mindset, budgeting, sales goals, debt elimination plans, automating finances, income taxes, investing, insurances, and financial and business strategies. Spots for the Mastermind program are limited, and an application process is required.

More of Mills Knows Bills:

Website: https://www.millsknowsbills.com

Instagram: https://www.instagram.com/millsknowsbills

Youtube: https://www.youtube.com/millsknowsbills

Current Resources: https://linktr.ee/millsknowsbills

Friendly reminder that Mills Knows Bills is general and educational in nature and does not constitute tax, investment, legal, or financial advice with respect to any particular individual or taxpayer. Please consult your own advisors regarding your own unique situation.

Today we're gonna talk about the variable income earner survival guide, or the five emotional and practical steps to a strong financial foundation.

What You'll Learn:

Mindset:

Money mindset is crucial for understanding your relationship with money and the obstacles you'll face in the journey to financial success.

It is an ongoing process of improvement and growth.

Budgeting:

Budgeting is essential for variable income earners to manage fluctuating income effectively.

Start with identifying mandatory living and debt expenses to determine your minimum income goal.

Include extra expenses to establish a stretch goal, considering the extras in your life.

Connect your income with your sales or business performance to achieve your stretch goal.

Savings & Insurance:

As a variable income earner, building savings is vital to cover expenses during low-income months.

Having an emergency fund acts as self-insurance, preventing reliance on credit cards.

Proper insurance coverage is necessary to protect your financial progress in various areas of life.

Debt Payoff:

Expedite debt payoff to minimize costs and improve financial stability.

Aim to pay off high-interest debt, such as credit cards, to save on interest expenses.

Balance debt payoff with saving to ensure you have a safety net during low-income periods.

Investing:

Saving alone won't make you rich; investing is crucial for long-term wealth accumulation.

Take advantage of recession periods to invest and capitalize on potential opportunities.

Investing allows your money to work for you, providing long-term returns and financial growth.

The goal is not just to control your money but to master it. Take ownership of your financial situation and actively implement the knowledge and resources available at MKB.

More of Mills Knows Bills:

Website: https://www.millsknowsbills.com

Instagram: https://www.instagram.com/millsknowsbills

Youtube: https://www.youtube.com/millsknowsbills

Current Resources: https://linktr.ee/millsknowsbills

Friendly reminder that Mills Knows Bills is general and educational in nature and does not constitute tax, investment, legal, or financial advice with respect to any particular individual or taxpayer. Please consult your own advisors regarding your own unique situation.

As business owners a lot of us are visionaries. We get distracted by shiny objects and oh my gosh, look a squirrel! So where do you focus your attention within your business?

What You'll Learn:

• Using numbers to tell the story of your business and identify inefficiencies

• How to develop your business's unique value proposition and marketing message

• Finding a sales strategy that fits your personality

• The power of starting with your why

• The value in taking time to celebrate your wins

Who is Jim Roman?

Jim Roman is a highly accomplished professional with over 20 years of experience in driving revenue for business owners. As the Director of Results at Business Owners Institute, Jim utilizes his expertise as a motivational and inspiring speaker, trainer, and coach/consultant to guide organizations towards uncovering their true sources of motivation and success. Prior to his current role, Jim made a significant impact as the driving force behind the introduction of Business Networking International (BNI) in Central Virginia and the Shenandoah Valley region. In less than six years, he transformed BNI from a fledgling endeavor to a thriving community of 1600 members, earning himself a well-deserved spot in the BNI Hall of Fame. Throughout his impressive career, Jim has worked with numerous renowned businesses, including Chick-fil-A, Handyman Matters, SNAP Fitness, DoodyCalls, and many others. In addition, he has collaborated with esteemed associations such as the Florida Association of Chamber Professionals, National Association of Residential Property Managers, and BNI. His keynote speeches and seminars empower people to take action, emphasizing that implementation is the key to driving real results.

Follow Jim:

Website: https://www.jimromanonline.com/

More of Mills Knows Bills:

Website: https://www.millsknowsbills.com

Instagram: https://www.instagram.com/millsknowsbills

Youtube: https://www.youtube.com/millsknowsbills

Current Resources: https://linktr.ee/millsknowsbills

Friendly reminder that Mills Knows Bills is general and educational in nature and does not constitute tax, investment, legal, or financial advice with respect to any particular individual or taxpayer. Please consult your own advisors regarding your own unique situation.

Wait, who are these other coaches you've been hearing on the Mills Knows Bills podcast? Let's take today to get to know them, their best and worst financial decisions, favorite money books and tips, and the types of clients they gravitate towards working with.

Who are the MKB coaches?

Steffany Medina - A UCF graduate who found herself with over $45,000 worth debt in student loans who now helps creatives find financial independence.

Brett Roos - Born in the Pacific Northwest, he now calls his hometown, Austin, Texas. With a background in auto sales, he now specializes in helping salespeople and musicians reach their financial goals.

Chase Garrett - To Chase, faith is everything. He comes from the oil industry and made money mistakes early on, and now focuses on helping blue collar workers achieve financial success.

Reach Out to a Coach:

https://calendly.com/millsknowsbills

Mentions:

Richest Man in Babylon: https://www.amazon.com/Richest-Man-Babylon-George-Clason/dp/1505339111

I Will Teach You To Be Rich: https://www.amazon.com/Will-Teach-You-Be-Rich/dp/0761147489

Rich Dad Poor Dad: https://www.amazon.com/Rich-Dad-Poor-Teach-Middle/dp/1612680194

The Fearless Money Mindset: https://www.amazon.com/Fearless-Money-Mindset-Broke-Doesnt/dp/173483000X

More of Mills Knows Bills:

Website: https://www.millsknowsbills.com

Instagram: https://www.instagram.com/millsknowsbills

Youtube: https://www.youtube.com/millsknowsbills

Current Resources: https://linktr.ee/millsknowsbills

Friendly reminder that Mills Knows Bills is general and educational in nature and does not constitute tax, investment, legal, or financial advice with respect to any particular individual or taxpayer. Please consult your own advisors regarding your own unique situation.

An entrepreneur who isn't good at sales has one expensive hobby. It's critical you develop a sales strategy that can identify with your ideal prospect's needs. Kyle will teach you where to start.

What You'll Learn:

How to prospect your target clients by creating a customer profile, value statement and understanding their pain points

Developing product and/or service market fit

Why introverts make for the best salespeople

The longevity in placing your client before the commission

Calculating your closing ratio

Understanding where to double down in your marketing efforts

Who is Kyle Slaymaker?

Kyle is a Navy veteran and three times best selling author whose mission is to empower businesses to effectively communicate their unique value and connect with their target audience through expert branding and sales training. His company The Slaymaker Success Method has been featured in Authority Magazine, BillionSuccess, SellingPower, and The Central Penn Business Journal. Largely considered one of the fastest rising business coaches and consultant teams in the country, Kyle and his team provide not just the expertise on how to scale businesses to over 8 figures in revenue but to also start and grow your business without losing sight of who you are and why you are doing it.

Mentions:

Slaymaker Success Summit: www.theslaymakermethod.com/summit

Follow Kyle:

Website: https://www.theslaymakermethod.com/

LinkedIn: https://www.linkedin.com/in/kyleslaymaker/

Instagram: https://www.instagram.com/slaymakermethod/?hl=en

Phone number: 717-823-9029

More of Mills Knows Bills:

Website: https://www.millsknowsbills.com

Instagram: https://www.instagram.com/millsknowsbills

Youtube: https://www.youtube.com/millsknowsbills

Current Resources: https://linktr.ee/millsknowsbills

Friendly reminder that Mills Knows Bills is general and educational in nature and does not constitute tax, investment, legal, or financial advice with respect to any particular individual or taxpayer. Please consult your own advisors regarding your own unique situation.

Why is personal finance so dang complicated? And does it need to be? Today, you'll find out how three easy steps can serve as the foundation for your financial success.

What You'll Learn:

- When do people default to operating out of a state of fear rather than abundance?

- In times of economic downturn, how can you position your business to come out successful?

- Why recessions lead to creative destruction

- You can do 90% of investing with only 10% of the knowledge

- The three golden rules to personal finance

- Technology grows your slice of the pie over time and investing is your ticket in

Who is Jesse?

Jesse Cramer is the founder of The Best Interest, a personal finance blog he started in 2018 while working as a mechanical engineer. Jesse's passion for helping people improve their personal finances led him to write and share his insights publicly. The Best Interest has since gained recognition, including a nomination for "Personal Finance Blog of the Year" in 2022 and media features on CNBC, MSN, the Motley Fool, Yahoo Finance, and more. Jesse has since left engineering to pursue his mission of helping people with their personal finances at a fiduciary wealth management firm.

Mentions:

Episode 34 with Jesse Cramer: https://podcasts.apple.com/us/podcast/e34-key-takeaways-from-our-financial-journeys-featuring/id1578877075?i=1000556952168

https://open.spotify.com/episode/1TboN5XtXPWbMilzGu5vbz

Follow Jesse:

Listen to the Best Interest Podcast at https://podcasts.apple.com/us/podcast/the-best-interest-podcast/id1553180943

https://open.spotify.com/show/1fTBctyjPWhK1MLnYCMpJH

Check out the Best Interest Blog at bestinterest.blog

Contact me at [email protected]

More of Mills Knows Bills:

Website: https://www.millsknowsbills.com

Instagram: https://www.instagram.com/millsknowsbills

Youtube: https://www.youtube.com/millsknowsbills

Current Resources: https://linktr.ee/millsknowsbills

Friendly reminder that Mills Knows Bills is general and educational in nature and does not constitute tax, investment, legal, or financial advice with respect to any particular individual or taxpayer. Please consult your own advisors regarding your own unique situation.