In this podcast episode, I discuss 3 retirement fears and limiting money beliefs that can keep you stuck with retirement planning. This episode will support you in how to rewrite those beliefs and take control of your finances for a successful retirement. 

What you’ll learn in the episode:

✅ Identify what are some limiting beliefs around money that hold you back in retirement planning

✅ Understand common limiting beliefs like “I don’t have enough money” or “I haven’t saved enough”

✅ Learn how to change limiting beliefs with factual evidence and a clear financial system

✅ Discover the power of overcoming limiting beliefs by tracking your cash flow and setting realistic goals

Resources mentioned:

Episode 116 A Retirement Ready VIP Session Experience

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In this episode, Certified Divorce Financial Analyst Melissa Murphy Pavone sheds light on the often-overlooked role of the “non-CFO spouse” during divorce. Melissa shares how her personal story shaped her mission to empower individuals, especially women, who have traditionally managed day-to-day finances but feel lost or excluded when it comes to long-term financial planning. In this discussion, we dive into collaborative divorce, a lesser-known but incredibly empowering option that keeps families out of court and centers respectful, creative solutions. 

What You’ll Learn in This Episode:

✅ What a divorce financial analyst does and why it matters
✅ How a divorce financial expert can help you avoid costly mistakes
✅ The benefits of a collaborative divorce over a traditional approach
✅ How collaborative divorce works and who it’s for
✅ Why financial planning is key to a smoother, more empowered split

Melissa Murphy Pavone CFP®, CDFA®
Founder I Financial Planner, Mindful Financial Partners
(631) 903-8282
[email protected]
www.mindfulfinancialpartners.com

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Budgeting for retirement is essential. In this episode, I will share why budgeting is important and how budgeting can help you with retirement planning. It’s time to quit thinking about budgeting as being restrictive but as your key to retirement. 

What We’ll Cover:

✅ Why budgeting is important for retirement success

✅ How budgeting works to give you financial clarity

✅ The key elements of a strong retirement budget

✅ What a budget can help you do to reach your goals

✅ How to make budgeting for retirement simple and effective

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Do you ever wonder Am I ready to retire? or How do I know if I can retire? In this episode, I take you inside a Retirement Ready VIP Session, where I helped a client get clear on her numbers, eased her worries, and provided action steps to move her forward on her retirement planning journey. If you’re ready to retire with confidence, this is for you!

What You’ll Learn:

✅ What Happens in a VIP Session – A behind-the-scenes look at how a Retirement Ready VIP Session works, what you can experience, and how it will support you to get ready for retirement. 

✅ How Do I Know If I Can Retire – Learn how to calculate your Financial Independence (FI) number, why it matters, and how to close the gap.

✅ Build a Structured Savings Strategy – Gain insight into sinking funds, emergency savings, and how to plan for non-monthly expenses. 

✅ The Mortgage Payoff Debate – Discover different perspectives on paying off your mortgage before retirement and how to decide what’s right for you.

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Wondering how much you need to retire? Should you pay off debt before saving? How much should you save each month? In this Q&A episode, I discuss your biggest retirement planning questions to help you gain clarity on your retirement planning journey.

What you’ll learn from the episode:

✔️ How much money do you need to retire?

✔️ Should you pay off debt before saving for retirement?

✔️ How much should you save each month?

✔️ When should you start taking Social Security benefits?

Got more questions about retirement? Use the link in the show notes to submit yours for a future episode! Need a personalized plan? Book a free Q&A call, and let’s find your retirement answers together!

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Inflation isn’t going away, but you can take control of your financial future. In this episode, I’ll specifically share how to protect yourself from inflation. In this episode, I will share two components to help protect you against the rising cost of living and lessen your worry about retirement planning. Learn how to create your own economy so you can navigate rising costs and stay on track for retirement.

Within this episode you’ll learn:

✅ Personal finance strategies to protect yourself

✅ How to create your own economy

✅ Why saving for unexpected expenses is crucial

✅ How to create financial stability and get ready for retirement

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Feeling overwhelmed by budgeting, retirement planning, or managing money? In this episode, my guest Jackie Randall Lentz, a former mental health counselor turned life coach, chat about how to self-coach your way to financial confidence. We explore why personal finance is so important, how to plan effectively, and the best personal finance tools to take control of your future.

What You’ll Learn in This Episode:

✅ How to Self-Coach: Learn how your financial beliefs, formed as early as childhood, may be holding you back and how to rewrite those stories for a healthier money mindset.

✅ How to Plan Personal Finances Without the Overwhelm: Jackie shares strategies to break free from fear and self-doubt while creating a clear financial plan. 

✅ How Vision Impacts Confidence: Jackie and I explore how retirement isn’t just an “end” but an opportunity to step into something new and meaningful.

✅ Give Yourself Permission to Dream: We discuss why allowing yourself to envision possibilities beyond traditional retirement can open doors to greater fulfillment and financial security.

Connect with Jackie

Facebook

Pray, Play, and Get Paid Podcast

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Do you find yourself asking, Why do I keep spending money? or struggling to control your spending habits? In this episode, I dive into how to improve spending habits by aligning your money with your long-term goals. Learn why self-awareness is important, how to make intentional choices, to create a balance of spending now and preparing for retirement. 

What You’ll Learn in This Episode:

✅ How to Improve Spending Habits – By aligning with your long-term goals and current values, you will naturally improve your spending habits. 

✅ Why Self-Awareness Is Key for Controlling Spending Habits – Learn how to bring awareness to your spending by making mindful decisions and break free from impulsive purchases.

✅ Understand the Role of Spending – Learn the three areas of spending to better understand and be aware of your need to spend. 

✅ How to Control Spending Habits – From everyday purchases to big financial decisions, discover simple strategies to align spending with what truly matters.

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In this episode, I am joined by Joseph Lombardi of Iron Hawk Financial. He shares his personal story to demonstrate why life insurance is important. He also educates us about whole life insurance as an investment, how it works, and the tax advantages. This isn’t a dry conversation about life insurance. Joseph is quite the entertainer! 

What you’ll learn in this episode:

✅ Learn about why life insurance is important from the guest personal life.

✅ Learn how much life insurance you may need as well as life insurance options.

✅ Learn the different long-term care strategies and how to protect your financial future.

✅ Learn about whole life insurance as an investment, tax advantages, and a tax deduction.

Connect with Joseph Lombardi

Website

Facebook

LinkedIn

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Feeling overwhelmed about how to improve your finances? In today’s episode, I’m breaking down how to complete a personal finance audit in a simple, actionable way. No complicated spreadsheets are required. This personal finance audit is just one way to not only improve your personal finances but help you get ready for retirement. 

What You’ll Learn in This Episode:

🔹 Learn how to categorize and track your expenses, from fixed bills to everyday spending like groceries, fuel, and entertainment. I’ll show you how to spot opportunities to improve your personal finance situation without feeling restricted.

🔹 Find out how to calculate your current savings percentage and why it’s a key indicator of financial stability. Plus, I’ll share a powerful mindset shift to help you balance saving for today while also preparing for your retirement.

🔹 Debt vs. Savings: I dive into the age-old debate of whether to save for retirement or pay off debt. Listen in as I share a real-life client scenario and how we determined the best approach for her financial situation and retirement goals.

If today’s episode sparks the need for deeper financial insight, I invite you to join my Retirement Ready VIP Session, where we take a detailed, personalized approach to your financial audit and create a clear plan forward.

Mentioned in This Episode:

🎧 Episode 30: Why Savings is the #1 Financial Habit

🎧 Episode 5: Should You Pay Off Debt or Save?

🎧 Episode 102: Redefining Your Debt Relationship and Taking Control For Retirement

If this episode helped you gain clarity on your finances, share it with a friend and leave a review. 

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