Everyone's Talkin' Money

Vision Before Budget: The Wealth Framework That Helped Dr. Annie Cole Retire 20 Years Early


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What if the reason you’re stuck isn’t your budget—but the fact that you started with one?

I’m joined by Dr. Annie Cole, founder of Money Essentials for Women, who turned a $26K social work salary into $1 million in real estate, nearly $400K in investments, and shaved 20 years off her retirement date—all before turning 40.

Her secret? A radically different approach to wealth building that doesn’t start with pinching pennies. Annie walks us through her 5-Step Wealth Framework, including how to create a financial vision that actually aligns with your life, the real reason high-earning women still feel broke, and why investing just $1 could be the best place to start.

In this episode we discuss:

  • A clear understanding of why budgeting is not your starting line
  • The mindset shift that took Annie from broke to financially free
  • Three different ways to structure your budget based on your life goals
  • Why your income isn’t the biggest factor in wealth-building—and what is 
  • How to start investing today (even if you're scared and have no idea where to start)
  • How to break free from outdated financial beliefs that keep women playing small
  • The #1 habit that accelerated Annie’s wealth and financial freedom
  • How to spend under your means without feeling restricted
  • Why financial planning > penny pinching
  • How to release shame and take control, even if you’re starting from zero
  • Learn more and connect with Annie:

    Website: https://money-essentials.com

    Instagram: @moneyessentialsforwomen

    You’ll Walk Away Knowing: 

    • Budgeting is often seen as restrictive and can keep people stuck.
    • A life vision is essential for effective financial planning.
    • Financial goals should align with personal values and aspirations.
    • Income alone does not equate to financial freedom.
    • Investing is crucial for building wealth and passive income.
    • Creating a financial plan can empower individuals to make intentional decisions.
    • Unexpected expenses are a part of life; having a buffer is important.
    • Mindset shifts are necessary for overcoming financial limitations.
    • Women often hold outdated beliefs about money and work.
    • Money coaching fills the gap between financial advice and personal finance education.
    • Here is that blog post I wrote that answers the question "How Do I Start Investing?"

      If you love what you heard, please be sure to rate and review the podcast. Also, keep in the loop by following us on Instagram at @everyonestalkinmoney


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      Everyone's Talkin' MoneyBy Shari Rash, Money Podcast for Women, Personal Finance, Relationships & Mental Health

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