OnRoute to Wealth Kristy Runzer

This episode is from one of my coaching calls. If you are interested in financial coaching services please visit my website: https://www.onroutefinancial.com/

In this episode, I bring back a guest for a 6 month update. My guest went from making $0 with a determination to make it work to a $12k month.

She took the time to build sustainable financial habits, and now we talk about maintaining those habits.

Maintaining sustainable financial habits is one of the keys to financial success. Listen in as we get into it!

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This episode is from one of my coaching calls. If you are interested in financial coaching services please visit my website: https://www.onroutefinancial.com/
In this episode we tackle the challenges of facing tough financial times and transforming them into a roadmap for success.
My client candidly shares their experiences of not always making the best financial decisions and the difficulty of recovering from such setbacks. However, they were determined to take control and manage their finances in a way that felt good and sustainable.
With an entrepreneurial spirit, she ventured into the short-term rental business and freelancing. Their goal is to achieve a monthly income of 10 - 12k, covering their bills, savings, and providing a cushion for unforeseen expenses.
We discuss the importance of distinguishing an emergency account from a regular savings account, allowing her to plan and budget wisely without dipping into funds meant for other goals.
Developing an expense tracking habit is a crucial step in this journey, and she shares her experiences of adopting this new habit. We explore strategies to make expense tracking work effectively and tailor it to their unique needs.
We talk about:
Making smart financial decisionsDistinguishing different accounts for different goalsEstablishing an effective tracking systemDeveloping good financial habitsFollow me on Instagram: https://www.instagram.com/kristy_runzer/

This episode is from one of my coaching calls. If you are interested in financial coaching services please visit my website: https://www.onroutefinancial.com/
In this episode my client shares her experiences of navigating the real estate market in California and the challenges of balancing practical spending with building long-term wealth.
Despite being excellent savers and practical spenders, my client shares her realization that having a savings mindset isn't necessarily the same as a wealth-building mindset. While she has efficiently handled childcare and kept costs low, building wealth in other ways feels like a significant obstacle.
I coach on strategies to balance present needs with long-term goals and empower and how to pave a path to a secure and fulfilling financial future.
We talk about:
Home ownershipWealth building mindsetSpending and saving habitsSwitching from scarcity to abundanceStrategies for long term goalsFollow me on Instagram: https://www.instagram.com/kristy_runzer/

This episode is from one of my coaching calls. If you are interested in financial coaching services please visit my website: https://www.onroutefinancial.com/
In this episode we talk about overcoming debt, managing a mortgage on an expensive house, and finding empowerment as a newly self-employed individual.
With my client’s spouse laid off since COVID, she had unexpected challenges. She reflects on the exhaustion of continually learning new skills, emphasizing that she doesn't wish to become a financial planner but still wants to feel confident in managing her money.
I coach that budgeting doesn't have to mean constant scrimping and saving; instead, we explore how understanding your area of value can redefine your relationship with finances. My client embraces a well-rounded approach that allows her to be lean, invest wisely, and pursue her passions.
We also discuss how to reevaluate investments to align with her goals and financial values, especially when market movements don't align with her vision.
We talk about:
Smart investingInvesting that aligns with personal goals and visionUnderstanding your relationship with moneyFinding people invested in your well being helping manage your moneyHow to invest in volatile marketsFollow me on Instagram: https://www.instagram.com/kristy_runzer/

This episode is from one of my coaching calls. If you are interested in financial coaching services please visit my website: https://www.onroutefinancial.com/
In this episode, we'll dive into cash flow and explore how it fluctuates on a month-to-month basis. And more importantly, how you can prepare for those lower end months.
My client and I talk about the difficulties of when the money feels tighter than others, presenting challenges that require careful budgeting and resourcefulness. I share practical tips to navigate these periods, ensuring that she stays on track with her financial goals.
We talk about:
Budgeting and money managementFinancial liquidityHow to navigate surplus and low monthsMindset practices around money managementFollow me on Instagram: https://www.instagram.com/kristy_runzer/

This episode is from one of my coaching calls. If you are interested in financial coaching services please visit my website: https://www.onroutefinancial.com/
In this episode, I coach on the benefits of the solo 401k and provide insights on leveraging this powerful retirement vehicle.
We also talk about making monthly contributions and taking advantage of tax regrowth. I coach on strategies that allow you to systematically build your retirement savings while benefiting from potential tax advantages.
I also coach on the importance of setting both long-term and short-term financial goals. Whether it's planning for retirement, funding education, or saving for a dream vacation, it’s important to know where your money is going.
We talk about
Solo 401ksOptimal strategies for saving for a down paymentLong term and short term financial goalsReal estate investmentsTax regrowthFollow me on Instagram: https://www.instagram.com/kristy_runzer/