Wealth Witches

In this episode of the Wealth Witches Podcast, host Katelyn Magnuson is joined by the insightful Robin Langford, a Fate and Free Will coach who blends historical knowledge with astrological expertise. The conversation centers around the concept of annual profections, a powerful timing technique that helps you focus your energy and strategically plan your year.

Robin provides an in-depth explanation of the 12 houses in astrology and how each house influences different aspects of your life and business. She highlights the significance of specific houses for entrepreneurs, particularly the 10th, 12th, 1st, and 2nd houses, and shares real-life examples of how understanding these houses can lead to better business decisions and personal growth.

Katelyn and Robin also discuss the importance of recognizing patterns in astrology, using predictive astrology to anticipate challenges and opportunities, and practical tips for integrating these insights into your everyday planning. Whether you're an astrology enthusiast or new to the concept, this episode offers valuable guidance on leveraging cosmic energies for holistic success.

Key Takeaways

• Understanding the concept of annual profections and how it can guide your focus each year.
• How to determine your current profection year and what it signifies.
• The importance of specific houses for entrepreneurs and how they impact business strategies.
• Real-life examples of how Robin and Katelyn have used annual profections to make informed decisions.
• Practical tips for integrating astrology into your daily and business planning.

Guest Bio:

Robin Langford of Wicked Veracity is a Fate & Free Will coach who blends practical astrology with contemporary mindset coaching to help entrepreneurs leverage their unique strengths, navigate challenges, and strategically plan their lives and businesses. 

Connect with Robin:

Instagram: @wicked.veracity

Program: wicked.veracity.com/crusade

Podcast: https://www.wickedveracity.com/podcast

Resource: Annual Profection Houses

🔮 Wealth Witches™ Monthly Membership Program 🔮

Are you ready to take your financial journey to the next level? Join the Wealth Witches™ membership for exclusive access to live training sessions on money, taxes, retirement, and business support. You'll also gain entry to our inclusive community where you can connect with like-minded individuals and get even more out of your financial journey. We're a community of passionate, purpose-driven entrepreneurs who see creating wealth holistically rather than stuck in another crypto-bro investing black hole membership. Join today: www.thefreelancecfo.com/wealth-witches-podcast-member

Thanks for Listening:

Thanks so much for listening to our podcast! If you enjoyed this episode and think that others could benefit from listening, please share! Follow us on Instagram @WealthWitchesPodcast or drop us a message with your questions and episode requests. Looking for more finance tips, visit our main Instagram @thefreelancecfo.

Subscribe to The Podcast:

If you would like to get automatic updates of new podcast episodes, don't forget to subscribe. You can also give us a follow on your favorite podcast app.

Leave Us a Review:

Leave a 5-star review and include your IG handle to enter to win a free month of Wealth Witches Membership! We draw the winner at the beginning of each quarter.

Stay magical and empowered, and remember, wealth isn't just about dollars in the bank – it's about creating abundance in all aspects of your life.

DISCLAIMER: This Podcast may receive compensation for promoting or recommending products or services through affiliate links. We only recommend products and services that we believe are of value to our listeners. The content provided in this podcast is for informational purposes only and does not constitute professional financial, accounting, or legal advice. Listeners are advised to consult with qualified professionals before making any financial decisions. The Freelance CFO is not responsible for any actions taken based on the information provided

Music credit: Neon Fairies by Wolves 

Welcome to the Wealth Witches podcast! In this episode, your host Katelyn Magnuson reintroduces you to a revamped and enchanted journey of financial empowerment. Previously known as the Confident Money podcast, Wealth Witches™ aims to create a more inclusive and holistic approach to financial discussions. 

You’ll learn about the exciting changes coming to the podcast, including a diverse lineup of guests such as astrologers, neurodivergent business owners, and magical creatives. These guests will share their insights on blending the practical with the mystical, offering you a fresh perspective on wealth creation.

Takeaways

• Rebranding Announcement: The podcast formerly known as Confident Money is now Wealth Witches™.
• Holistic Approach: Integrating magic, astrology, human design, and seasonality into financial discussions.
• Inclusive Community: Embracing all genders and identities, focusing on holistic wealth.
• Personal Growth: Encouraging you to align your business practices with your personal cycles and neurodivergent needs.
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🔮 Wealth Witches™ Monthly Membership Program 🔮

Are you ready to take your financial journey to the next level? Join the Wealth Witches™ membership for exclusive access to live training sessions on money, taxes, retirement, and business support. You'll also gain entry to our inclusive community where you can connect with like-minded individuals and get even more out of your financial journey. We're a community of passionate, purpose-driven entrepreneurs who see creating wealth holistically rather than stuck in another crypto-bro investing black hole membership. Join today: www.thefreelancecfo.com/wealth-witches-podcast-member

Thanks for Listening:

Thanks so much for listening to our podcast! If you enjoyed this episode and think that others could benefit from listening, please share! Follow us on Instagram @WealthWitchesPodcast or drop us a message with your questions and episode requests. Looking for more finance tips, visit our main Instagram @thefreelancecfo.

Subscribe to The Podcast:

If you would like to get automatic updates of new podcast episodes, don't forget to subscribe. You can also give us a follow on your favorite podcast app.

Leave Us a Review:

Leave a 5-star review and include your IG handle to enter to win a free month of Wealth Witches Membership! We draw the winner at the beginning of each quarter.

Stay magical and empowered, and remember, wealth isn't just about dollars in the bank – it's about creating abundance in all aspects of your life.

DISCLAIMER: This Podcast may receive compensation for promoting or recommending products or services through affiliate links. We only recommend products and services that we believe are of value to our listeners. The content provided in this podcast is for informational purposes only and does not constitute professional financial, accounting, or legal advice. Listeners are advised to consult with qualified professionals before making any financial decisions. The Freelance CFO is not responsible for any actions taken based on the information provided

Music credit: Neon Fairies by Wolves 

Is the housing market going to crash like it did in 2008? In today’s episode Kyle and I will discuss the similarities and differences between the 2008 housing market and the current housing market so you can make smart decisions.

Historically, home value increases over time, usually around 4% per year. This appreciation is closer to 18-20% over the last few years. There was a similarly large increase in home values before the 2008 crash, so it’s understandable that people are wary.

The big difference is that in 2006-ish, there were a lot of bad loans being made, a lot of predatory lending practices being used, and since then a lot of safeguards have been put in place. At this point, it’s probably not worth waiting for prices to drop because the current appreciation is based on supply and demand. Historically, even if you did buy your house at the height before a drop, it only took 3-6 years for the value to come back up so you could break even.

Education and planning is your best bet. Make decisions for the long haul, and stick with them.

Connect with Kyle:

Purchase Price Calculator: https://www.winthehouseyoulove.com/max-purchase-price-calculator

LoanClarity Advisor: https://www.winthehouseyoulove.com/advisor

On YouTube: https://www.youtube.com/c/WinTheHouseYouLove

Online: https://www.winthehouseyoulove.com/

We cover ALL of this in the “Get Your Finance Sh*t Together” self-study course at confidentmoneypodcast.com!

Now Open: Money Mavens group coaching program! There’s a special prize for anyone who signs up in the first week at confidentmoneypodcast.com.

Enter to win a free strategy session with me!  Leave a 5-star review and include your IG handle to enter. We draw the winner at the beginning of each month. 

FTC/Affiliate Disclaimer: By using some of these links, at no extra cost to you, I may earn a small commission or referral fee, which helps me continue to produce content like this, support my business, and my team.

DISCLAIMER: I am not a financial advisor and this is not financial advice. My podcast is for educational purposes and is my personal opinion only. To make the best financial decision for your situation, please do your own research and if needed, seek the advice of a fee-based, fiduciary.

Music credit: Neon Fairies by Wolves 

A Podcast Launch Bestie production

Welcome back to another episode with Kyle Seagraves, Certified Mortgage Advisor, Licensed Loan Originator, and full-time home loan educator. In previous episodes we’ve talked about the logistics of buying a home, so in this episode we will go through some strategy tips and common worst-case scenarios.

• How long you’ll need to stay in a home for the appreciation value to catch back up if the market slips
• What to do if you have to move but can’t sell your house yet
• How much of an emergency fund to save up first
• Self-employed income versus W2 income for getting approved
• Tax reduction strategies and how they affect the ability to get approvals

It can all feel very overwhelming because it is complex, but sometimes in our minds we can overcomplicate things. Start with a conversation with a loan officer first, then make a plan instead of trying to figure it all out yourself.

Connect with Kyle:

Purchase Price Calculator: https://www.winthehouseyoulove.com/max-purchase-price-calculator

LoanClarity Advisor: https://www.winthehouseyoulove.com/advisor

On YouTube: https://www.youtube.com/c/WinTheHouseYouLove

Online: https://www.winthehouseyoulove.com/

We cover ALL of this in the “Get Your Finance Sh*t Together” self-study course at confidentmoneypodcast.com!

Now Open: Money Mavens group coaching program! There’s a special prize for anyone who signs up in the first week at confidentmoneypodcast.com.

Enter to win a free strategy session with me!  Leave a 5-star review and include your IG handle to enter. We draw the winner at the beginning of each month. 

FTC/Affiliate Disclaimer: By using some of these links, at no extra cost to you, I may earn a small commission or referral fee, which helps me continue to produce content like this, support my business, and my team.

DISCLAIMER: I am not a financial advisor and this is not financial advice. My podcast is for educational purposes and is my personal opinion only. To make the best financial decision for your situation, please do your own research and if needed, seek the advice of a fee-based, fiduciary.

Music credit: Neon Fairies by Wolves 

A Podcast Launch Bestie production

Now that we’ve discussed how to apply and qualify for a mortgage, now we’re going to talk about what all the numbers mean and how you can look at your budget to realistically afford to buy a home.

We’ll go into detail about:

• Debt to income ratio
• Dream home versus starter home
• Upfront costs
• How to choose between a 15 year and 30 year loan term
• Budgeting and investment strategies
• How to use points and what that means for the interest rate

Don’t let the payment estimators online fool you. Make sure you talk to a loan officer before you really factor in your numbers because Zillow won’t do that for you.

Connect with Kyle:

Purchase Price Calculator: https://www.winthehouseyoulove.com/max-purchase-price-calculator

LoanClarity Advisor: https://www.winthehouseyoulove.com/advisor

On YouTube: https://www.youtube.com/c/WinTheHouseYouLove

Online: https://www.winthehouseyoulove.com/

We cover ALL of this in the “Get Your Finance Sh*t Together” self-study course at confidentmoneypodcast.com!

Now Open: Money Mavens group coaching program! There’s a special prize for anyone who signs up in the first week at confidentmoneypodcast.com.

Enter to win a free strategy session with me!  Leave a 5-star review and include your IG handle to enter. We draw the winner at the beginning of each month. 

FTC/Affiliate Disclaimer: By using some of these links, at no extra cost to you, I may earn a small commission or referral fee, which helps me continue to produce content like this, support my business, and my team.

DISCLAIMER: I am not a financial advisor and this is not financial advice. My podcast is for educational purposes and is my personal opinion only. To make the best financial decision for your situation, please do your own research and if needed, seek the advice of a fee-based, fiduciary.

Music credit: Neon Fairies by Wolves 

A Podcast Launch Bestie production

It’s very tempting to house shop online and crunch all the numbers yourself before taking any steps in buying a home, but don’t wait around just because you aren’t sure. Talk to a loan officer first and see where you’re really at. Remember, the pull on your credit will only affect it by a few points.

Talk to 3 lenders. Start with a big bank, then a local credit union, then a brokerage so you have 3 options. Your credit report will last around 4 months and closing will take about 30 days, so you have about 3 months to shop for a house once you have your preapprovals. Just make sure that you talk to your loan officer first before you make any big changes like changing jobs, buying a car, or financing a bunch of furniture.

Connect with Kyle:

Purchase Price Calculator: https://www.winthehouseyoulove.com/max-purchase-price-calculator

LoanClarity Advisor: https://www.winthehouseyoulove.com/advisor

On YouTube: https://www.youtube.com/c/WinTheHouseYouLove

Online: https://www.winthehouseyoulove.com/

We cover ALL of this in the “Get Your Finance Sh*t Together” self-study course at confidentmoneypodcast.com!

Now Open: Money Mavens group coaching program! There’s a special prize for anyone who signs up in the first week at confidentmoneypodcast.com.

Enter to win a free strategy session with me!  Leave a 5-star review and include your IG handle to enter. We draw the winner at the beginning of each month. 

FTC/Affiliate Disclaimer: By using some of these links, at no extra cost to you, I may earn a small commission or referral fee, which helps me continue to produce content like this, support my business, and my team.

DISCLAIMER: I am not a financial advisor and this is not financial advice. My podcast is for educational purposes and is my personal opinion only. To make the best financial decision for your situation, please do your own research and if needed, seek the advice of a fee-based, fiduciary.

Music credit: Neon Fairies by Wolves 

A Podcast Launch Bestie production

Today we’re going to get into the nitty gritty of the different types of home loans available, what credit scores are required to qualify, and we’re going to debunk some myths.

Kyle and I will cover:

• Conventional loans
• Mortgage insurance and PMI
• FHA loans
• VA loans for veterans
• USDA loans for rural areas
• Jumbo loans and loan limits
• Bank statement loans and down payment assistance
• Finding the right loan officer for you

Connect with Kyle:

Purchase Price Calculator: https://www.winthehouseyoulove.com/max-purchase-price-calculator

LoanClarity Advisor: https://www.winthehouseyoulove.com/advisor

On YouTube: https://www.youtube.com/c/WinTheHouseYouLove

Online: https://www.winthehouseyoulove.com/

We cover ALL of this in the “Get Your Finance Sh*t Together” self-study course at confidentmoneypodcast.com!

Now Open: Money Mavens group coaching program! There’s a special prize for anyone who signs up in the first week at confidentmoneypodcast.com.

Enter to win a free strategy session with me!  Leave a 5-star review and include your IG handle to enter. We draw the winner at the beginning of each month. 

FTC/Affiliate Disclaimer: By using some of these links, at no extra cost to you, I may earn a small commission or referral fee, which helps me continue to produce content like this, support my business, and my team.

DISCLAIMER: I am not a financial advisor and this is not financial advice. My podcast is for educational purposes and is my personal opinion only. To make the best financial decision for your situation, please do your own research and if needed, seek the advice of a fee-based, fiduciary.

Music credit: Neon Fairies by Wolves 

A Podcast Launch Bestie production

Welcome back to another mini-season of Confident Money! In the next few episodes I’ll be talking with Kyle Seagraves, Certified Mortgage Advisor, Licensed Loan Originator, and full-time home loan educator.

In this episode, we’ll cover:

• What credit scores are and what they mean
• The difference between a soft pull and a hard pull
• Different types of loans
• What credit score numbers to aim for
• What kinds of credit you should have when applying for a mortgage
• How much credit history you need

Connect with Kyle:

On YouTube: https://www.youtube.com/c/WinTheHouseYouLove

Online: https://www.winthehouseyoulove.com/

We cover ALL of this in the “Get Your Finance Sh*t Together” self-study course at confidentmoneypodcast.com!

Now Open: Money Mavens group coaching program! There’s a special prize for anyone who signs up in the first week at confidentmoneypodcast.com.

Enter to win a free strategy session with me!  Leave a 5-star review and include your IG handle to enter. We draw the winner at the beginning of each month. 

FTC/Affiliate Disclaimer: By using some of these links, at no extra cost to you, I may earn a small commission or referral fee, which helps me continue to produce content like this, support my business, and my team.

DISCLAIMER: I am not a financial advisor and this is not financial advice. My podcast is for educational purposes and is my personal opinion only. To make the best financial decision for your situation, please do your own research and if needed, seek the advice of a fee-based, fiduciary.

Music credit: Neon Fairies by Wolves 

A Podcast Launch Bestie production

Today, we’re going to dive into student loans, the moratorium, and types of debt. Student loans, although they are considered a “responsible” debt, can still seem crippling.

Here are some things to consider concerning student loans:

1. If your loans aren’t federal, then the moratorium on interest and collections does not apply.
2. If you refinance or consolidate your federal loans, the moratorium won’t apply.
3. If you continue to make payments through the moratorium, there will be less principal to charge interest on when interest does kick back in.

If you’re considering college right now, get in touch with alumni, people in the field you want to work in, and the financial aid department at a local community college before enrolling. Make sure that it makes sense for your goals and your situation. More schooling doesn’t automatically mean more pay.

We’ve been gifted some flexible time to revamp how we want to prioritize our debts, so do your research and understand that the college-to-career path isn’t the only valid path.

We cover ALL of this in the “Get Your Finance Sh*t Together” self-study course at confidentmoneypodcast.com!

Now Open: Money Mavens group coaching program! There’s a special prize for anyone who signs up in the first week at confidentmoneypodcast.com.

Enter to win a free strategy session with me!  Leave a 5-star review and include your IG handle to enter. We draw the winner at the beginning of each month. 

FTC/Affiliate Disclaimer: By using some of these links, at no extra cost to you, I may earn a small commission or referral fee, which helps me continue to produce content like this, support my business, and my team.

DISCLAIMER: I am not a financial advisor and this is not financial advice. My podcast is for educational purposes and is my personal opinion only. To make the best financial decision for your situation, please do your own research and if needed, seek the advice of a fee-based, fiduciary.

Music credit: Neon Fairies by Wolves 

A Podcast Launch Bestie production

Following up from last week’s discussion about recession and what it is, I’m back with Brock to talk about some strategies we can use right now to prepare.

Millionaires can be made during recessions. Opportunities abound for those who are able to take advantage of them.

There’s a few things we recommend:

• Have 3 months of minimum monthly expenses saved up
• Don’t bail out on your investments, but don’t check them all the time either
• Make business decisions logically, not just emotionally
• Don’t react to the panic!
• Invest in some technology to save you costs later

Finances can be scary to look at, but it’s especially important right now. We have 2 opportunities available to you to help!

Free 5-day Get Your Money Right Challenge: https://thefreelancecfo.kartra.com/page/GetYourMoneyRightChallenge

Brock's strategy session: https://thefreelancecfo.biz/consult-calls

We cover ALL of this in the “Get Your Finance Sh*t Together” self-study course at confidentmoneypodcast.com!

Join our community at confidentmoneypodcast.com where we’ll share tips and resources, and you can suggest topics for future episodes.

Enter to win a free strategy session with me!  Leave a 5-star review and include your IG handle to enter. We draw the winner at the beginning of each month. 

FTC/Affiliate Disclaimer: By using some of these links, at no extra cost to you, I may earn a small commission or referral fee, which helps me continue to produce content like this, support my business, and my team.

DISCLAIMER: I am not a financial advisor and this is not financial advice. My podcast is for educational purposes and is my personal opinion only. To make the best financial decision for your situation, please do your own research and if needed, seek the advice of a fee-based, fiduciary.

Music credit: Neon Fairies by Wolves 

A Podcast Launch Bestie production