Money & You with Michelle Perkins

Michelle Perkins
  • 5.0 (14)
  • Investing
  • Updated Weekly

Your connection with money should be one of the best relationships in your life. Is it? Certified coach and CEO of Limit Free Life, Michelle Perkins breaks down your relationship with money - offering tough love money tips and a money dating plan that focuses on lifting the barriers to success by uncovering underlying money beliefs, illuminating what’s driving money behavior, and paving the way for a better relationship with money and increased wealth. It’s time to take control. Michelle, along with her expert guests, offers insight and understanding from her own career journey that has taken ventures from zero to a Million $$ in five years. We change, the world changes, and our careers can change. Michelle’s mission is to help ambitious, driven entrepreneurs and professionals move into (or better yet, create) work that satisfies the soul, creates the financial prosperity that they need and want, and empowers them to live the life they desire.

  1. 1d ago

    Ep 228: Franchising: The Perfect Hybrid Between Employee and Entrepreneur

    Ep 228: Franchising: The Perfect Hybrid Between Employee and Entrepreneur

    44 min

  2. May 25

    Ep 227: From Chaos to Clarity: Understanding Your Business Finances

    Ep 227: From Chaos to Clarity:  Understanding Your Business Finances

    53 min

  3. May 18

    Ep 226: The Hidden Truth: About Money, Inflation & Power

    Ep 226: The Hidden Truth: About Money, Inflation & Power

    44 min

  4. May 11

    Ep 225: Infinite Banking: The Strategy That Changed My Life

    Ep 225: Infinite Banking: The Strategy That Changed My LifeIn this episode of Money & You, Michelle Perkins speaks with Kish Rao of KKR Wealth Group about the concept of infinite banking and how it can help people rethink the way they use, store, borrow, and build with their money, and how it changed the guest's life forever. Kish shares his personal story of working long hours in the corporate tech world, commuting for hours each day, and wondering why his income was not translating into the financial freedom he expected. That frustration led him to discover infinite banking — a strategy built around specially designed dividend-paying life insurance policies that can create access, flexibility, and long-term control. Together, Michelle and Kish explore why this concept can feel confusing at first, why whole life insurance often triggers skepticism, and how shifting the way we think about money may be just as important as shifting where we put our money.In This Episode: Michelle and Kish discuss: What infinite banking is — and what it is notWhy Kish says this is a financial strategy, not an investmentHow dividend-paying whole life insurance can be used as a personal banking systemWhy access, control, and flexibility matter in financial planningHow people use this strategy for cars, college, emergencies, business opportunities, debt, and other life expensesWhy borrowing against the policy is different from withdrawing moneyThe mindset shift required to think differently about capitalWhy Kish introduced this concept to his own familyHow fear and confusion can keep people stuck in familiar financial systemsKey Takeaways: One of the biggest themes in this conversation is control. Kish explains that many people are doing what they were told to do financially, yet still feel trapped by payments, debt, interest, and limited access to their own money and time. Infinite banking offers a different way to think about money flow. Instead of sending money out and losing access to it, the idea is to build a pool of capital that can continue growing while still being available for use. Michelle also highlights an important point: financial strategies often require more than information. They require a shift in how we think about money, risk, security, and possibility. Featured Guest: Kish Rao helps professionals and entrepreneurs rethink how they use their money so they can create more control, flexibility, and long-term financial growth. After more than three decades in the corporate world, Kish became passionate about helping others understand how money can work more effectively in their lives through infinite banking and capital control strategies. Resources: Book: Becoming Your Own Banker by Nelson Nash KKR Wealth Group podcast resource page: kkrwealthgroup.com For more tools and conversations about money mindset, practical financial tips, confidence, and financial empowerment… Subscribe to the “Money & You With Michelle Perkins” Podcast: https://podcasts.apple.com/us/podcast/money-you-with-michelle-perkins/id1365907575 Please rate, review, and share the show with friends and family who want to feel more confident and in control of their financial lives — it really helps us! Join the Limit Free Life® Community & Newsletter: https://limitfreelife.com/newsletter/Learn more about Michelle Perkins & Limit Free Life®:https://limitfreelife.com  Have a money or career question? Book a free virtual coffee chat with Michelle: https://limitfreelife.com/booking/?utm_source=chatgpt.com  Instagram: @livealimitfreelife  YouTube: The Limit Free Life Channelhttps://www.youtube.com/@michelleperkins-limitfreel2446

    36 min

  5. Apr 27

    Ep 224: Preparation for Financial Success: What Most People Miss Part 2

    In this follow-up solo episode of Money and You, Michelle continues the conversation about financial preparedness and readiness—but this time focuses on the practical side of preparing for financial success.Following Part 1’s deep dive into mindset, identity, and emotional readiness, Michelle explores the daily habits, financial systems, and practical decisions that help reduce anxiety, build stability, and create long-term financial confidence.This episode is a grounded and compassionate reminder that financial well-being doesn’t come from perfection. It comes from awareness, consistency, preparation, and creating systems that support your future self.Michelle discusses why so many people avoid their money, how emotional overwhelm affects decision-making, and the simple actions that can dramatically improve your financial clarity and confidence over time.If you’ve been feeling overwhelmed, behind, disorganized, or unsure where to begin financially, this episode offers a calmer, more empowering way to approach money.In This Episode, Michelle Covers: Why mindset and practical action must work togetherHow financial preparation creates emotional calmThe importance of knowing your numbersWhy avoidance is often the real source of money anxietyBuilding a spending plan instead of “random spending”Starting small with saving and financial habitsCreating systems that reduce decision fatigueUsing automation to simplify money managementWhy stability should come before growthEmotional overwhelm, consumer culture, and impulse spendingFlexibility, resilience, and adapting when life happensThe importance of asking better financial questionsKey TakeawaysPreparation Creates ConfidenceThe more prepared you are financially, the calmer and more capable you feel when opportunities or challenges arise.Know Your Numbers Without DramaYour numbers are information—not a judgment of your worth.Small Consistent Actions MatterFinancial stability is often built through small habits repeated consistently over time.Avoidance Fuels AnxietyMuch of the stress people feel about money comes from not looking at it directly.Stability Comes Before ExpansionEmergency savings, debt reduction, and organization create the foundation for future growth.Memorable Quotes from the Episode“You don’t necessarily need more money first. You need to prepare yourself for more money.”“Numbers always tell a story.”“We get very melodramatic with our money.”“It doesn’t actually matter as much that you’re not where you want to be yet. What matters is that you’ve got the steering wheel.”“Most of our anxiety around money simply comes from avoiding it.”Timestamps 1:38 — Recap of Part 1: mindset and emotional preparedness5:44 — Why practical financial preparation matters7:59 — The importance of starting now9:31 — Know your numbers without emotional drama12:59 — The core financial numbers everyone should know14:48 — Why avoiding money creates anxiety16:50 — Creating a true spending plan19:20 — Why stability comes before growth21:15 — Reducing financial decision fatigue24:16 — Automating savings and debt payments25:24 — Planning for real life and unexpected events27:10 — Preparing yourself to receive more moneyResources & Mentions Michelle’s Vision Workbook: LinkMoney preparedness worksheets mentioned in the episode: https://limitfreelife.com/wp-content/uploads/2026/04/LFL-Financial-Prep-Guidelines.pngLimit Free Life®Book a Free Virtual Coffee Chat with MichelleConnect with Michelle PerkinsFor more conversations about money mindset, financial confidence, practical money strategies, and building a healthier relationship with money: Subscribe to Money and You Limit Free Life® Website Join the Newsletter & Community Michelle M. Perkins MBA on LinkedIn Instagram @livealimitfreelifeIf this episode helped you, share it with someone who may be feeling stressed, overwhelmed, or avoidant around money. Sometimes one conversation can completely shift the way we approach our financial lives.

    32 min

  6. Apr 21

    Ep 223: Preparation for Financial Success: What Most People Miss Part 1

    In this solo episode of Money and You, Michelle explores a powerful but often overlooked concept: preparation. Not just practical preparation with budgets, investing, or financial planning—but the emotional and mental preparation required to receive greater financial success.Inspired by the book How to Get Anything You Want, by Elsie Lincoln Benedict, Michelle dives into the connection between financial identity, mindset, readiness, and the opportunities we’re able to recognize and receive.Many people say they want more money, greater success, or financial freedom, but unknowingly remain emotionally unprepared for those outcomes. In this episode, Michelle explains how limiting beliefs, avoidance, fear, and negative self-talk quietly shape financial decisions—and how shifting your preparation can begin changing your financial reality.She also shares personal examples from her own business growth, discusses how preparation creates opportunity, and introduces practical ways to strengthen both your financial mindset and your financial structure.If you’ve ever thought: “I’m not good with money.”“I’m not ready yet.”“I’ll deal with it later.”“I can’t afford that.”…this conversation may completely change the way you think about financial growth and readiness.In This Episode, Michelle Discusses: Why preparation is essential for financial successThe difference between practical readiness and emotional readinessHow your financial identity affects your outcomesThe subconscious thoughts that block money growthWhy waiting to “feel ready” often creates procrastinationHow preparation allows you to recognize and act on opportunitiesThe importance of financial literacy and awarenessShifting negative money self-talk and limiting beliefsIncreasing your emotional capacity to receive more wealthWhy avoidance sends powerful signals about your relationship with moneyKey Takeaways:Preparation Creates OpportunityFinancial success often requires preparation before the opportunity arrives—not after.Your Financial Identity MattersThe stories you tell yourself about money shape your decisions, behaviors, and outcomes.Awareness Is the First ShiftNoticing your thoughts, fears, and patterns around money is the beginning of transformation.Practical + Mindset Work Must Work TogetherBudgets, investing, saving, and planning matter—but mindset determines whether you sustain them.Memorable Quotes from the Episode“You don’t rise to the occasion. You fall to your preparation.”“We have to prepare so we can receive opportunities when they show up.”“If you are avoiding your money, you’re sending a message that you don’t really want to deal with it.”“Preparation is readiness.”Timestamps 3:37 — Why preparation matters more than most people realize5:25 — Clarifying what financial success actually means to you8:06 — Preparing for money before it arrives9:55 — The balance between mindset and practical preparation11:00 — Becoming aware of limiting thoughts and emotional reactions15:44 — Your financial identity and self-perception18:21 — Practical ways to build trust with yourself around money21:41 — What you attract and what you’re prepared to receive23:28 — Catching negative money language in real time24:37 — Preview of next week’s Part 2 episodeResources: How to Get Anything You WantMichelle’s Vision Workbook, Get it  here:Limit Free Life®Book a Virtual Coffee Chat with MichelleConnect with Michelle PerkinsFor more conversations about money mindset, financial confidence, practical money strategies, and creating a healthier relationship with money: Subscribe to the Money and You Podcast or watch on her YouTube Channel - Limit Free Life. Limit Free Life® Website Join the Newsletter & Community Michelle M. Perkins MBA on LinkedIn Instagram @livealimitfreelifeIf this episode resonated with you, please share it with someone who could use a healthier, more empowered relationship with money. Reviews and shares help more people discover the show.

    26 min

  7. Apr 13

    Ep 222: College Funding Secrets and Strategy: Tax Hacks, Scholarships & Hidden Discounts

    This episode of The Money and You Show dives deep into the hidden strategies of college funding with college funding financial expert Brian S. Eyster. The conversation reveals that paying for college isn’t just about saving—it’s about strategic planning, tax positioning, and negotiation.Brian challenges common assumptions around tools like 529 plans, exposes how colleges actually price tuition, and explains how families—regardless of income—can reduce costs dramatically. He emphasizes that most families either overpay or under-plan, often due to lack of knowledge, not lack of resources.The biggest takeaway: college funding is a strategy game—and those who understand the rules win.Brian is the founder of The Grad Process, a system designed to help families fund college intelligently while protecting their long-term financial stability and retirement goals. Drawing from both professional expertise and his own experience navigating college planning for his daughters, Brian shares practical insights into 529 plans, FAFSA strategy, tax positioning, negotiating with universities, scholarships, grants, and why timing matters more than most people realize.This conversation goes far beyond traditional college savings advice. Michelle and Brian discuss: Why many parents feel overwhelmed and avoid college planningThe truth about 529 plans and their limitationsHow some families dramatically reduce college costsWhy extending tax returns may help with financial aid strategyFAFSA vs. CSS ProfileNegotiating financial aid offers with schoolsTax strategies business owners should knowThe emotional side of college planning and money shameWhy financial guidance in this area can create enormous long-term savingsBrian also explains how he helped reduce his daughter’s college costs from a $68,000 annual sticker price to roughly $11,000 per year through strategic planning and negotiation.If college funding feels confusing, stressful, or financially intimidating, this episode offers both practical guidance and reassurance that there are more options than most families realize.In This Episode We Covered: College financial planningPaying for college strategicallyFAFSA explainedCSS Profile explained529 plansCollege scholarships and grantsNegotiating college tuitionTax strategies for college fundingStudent loansBusiness owner tax strategiesFinancial aid planningCollege planning for parentsRetirement vs. college fundingKey Takeaways College sticker prices are often negotiable.Many private colleges discount tuition significantly.529 plans can be useful — but they are not always the best or only strategy.Tax planning timing can impact financial aid opportunities.Parents should not assume they “make too much” to qualify for aid or discounts.Shame and avoidance often prevent families from exploring better options.Memorable Quotes“Do not confuse the objective with the method.” — Brian Eyster.“The average discount for a private school is 56%.” — Brian Eyster.“Most people don’t know where to start. They’re embarrassed. Don’t be.” —Brian Eyster.“There are always options.” — Brian Eyster.What Michelle Shares in This Episode Her own experience saving for her children’s educationNavigating a son returning to college later in lifeWhy parents often delay or avoid college planning conversationsThe emotional stress and shame many families feel around money and education costsLearn more about Brian Eyster. and his college funding strategies: Essential Strategies Website: https://essentialstrategies.netTimestamps 01:40 — Why Michelle wanted to cover college finances on the show02:45 — Meet Brian Eister and The Grad Process05:45 — What families are feeling when college planning begins07:30 — Why Brian spent years mastering college funding strategies10:40 — How Brian reduced a $68,000 college bill to $11,00015:15 — The truth about 529 plans18:00 — Why Brian challenges traditional 529 advice24:00 — Why extending tax returns can matter for college planning28:45 — FAFSA timing and tax return strategy33:00 — State reciprocity and changing 529 rules35:00 — Using 529 plans to pay student loans strategically38:00 — Why college offers are often negotiable41:00 — How families can negotiate tuition offers46:00 — Subsidized loans and misunderstood financial aid opportunities48:30 — The emotional side of college planning and money shame52:00 — How to connect with Brian and learn more ________________________________________For more conversations about money mindset, practical financial strategies, confidence, and financial empowerment…Subscribe to the Money and You Podcast: Limit Free Life WebsiteJoin the Newsletter CommunityBook a Virtual Coffee ChatMichelle M. Perkins MBA on LinkedInLimit Free Life Instagram - @livealimitfreelifePlease rate, review, and share the show with friends and family navigating college planning, financial decisions, and building a more confident relationship with money.

    58 min

  8. Mar 30

    Ep 221: The Energy of Money: How Alignment Creates Money Flow

    In this solo episode of Money and You, Michelle Perkins explores a powerful concept that has recently shifted the way she thinks about money, success, and personal growth: alignment.After a conversation with an energy alignment coach, Michelle began looking at money through a new lens — not just from a practical or strategic standpoint, or even mindset,  but from an energetic and emotional one. In this episode, she unpacks what “money alignment” really means and why it may be the missing piece between setting financial goals and actually achieving them.Michelle shares how misalignment can quietly show up in: The way we think about wealthy peopleOur spending habits and financial decisionsThe disconnect between our goals and our beliefsFear-based or impulsive money behaviorsTrying to build a life based on what others want instead of what truly matters to usDrawing from both her background as a former CPA and corporate finance executive and her years of coaching around money mindset, Michelle explains why financial success is about much more than budgets, investing, or strategy alone.This episode is an invitation to become more intentional, self-aware, and aligned with your values, your purpose, and the kind of life you truly want to create.In This Episode We Covered: Money alignmentFinancial mindsetRelationship with moneyEnergetic alignment and financesValues-based spendingIntentional financial decisionsWealth and purposeFear-based spendingFinancial self-awarenessJournaling and money habitsVision setting with AI toolsPersonal growth and moneyKey Takeaways Your financial decisions are deeply connected to your beliefs and emotions.Misalignment often happens when your goals and your internal beliefs conflict.Wealth and purpose are not opposites — they can support one another.Intentional spending creates more clarity, fulfillment, and financial flow.You cannot fully compartmentalize your personal life, business life, and financial life — the energy flows through all of them.Memorable Quotes“Nothing works that well unless you have a really good relationship with your money.”“If your intentions are here, but your thinking is taking you over there… you’re going to miss.”“A purpose-driven life requires resources.”“You can be you and still have a lot of money.”Mentioned in This EpisodeMichelle references a Vision Prompting Workbook designed to help listeners: Clarify their visionExplore their goals and valuesUse AI tools to help organize and summarize their ideasAlign business and personal goals more intentionallyThe workbook link is included here: Timestamps 02:20 — What “alignment” actually means financially and emotionally03:10 — The importance of self-awareness and money habits04:00 — Why mindset matters more than financial knowledge alone06:45 — Alignment between your values, goals, and money decisions07:50 — How negative beliefs about wealthy people create misalignment10:50 — Journaling prompts to uncover money misalignment11:15 — Using AI to help create a life vision13:00 — Limiting beliefs that block financial growth14:25 — Values-based spending and intentional money choices16:40 — Moving away from impulsive and fear-based financial decisions18:00 — Why wealth can support a purpose-driven lifeFor more conversations about money mindset, practical financial strategies, confidence, and financial empowerment…Subscribe to the Money and You Podcast: Limit Free Life WebsiteJoin the Newsletter CommunityBook a Virtual Coffee ChatMichelle M. Perkins MBA on LinkedIn Limit Free Life Instagram- @livealimitfreelifePlease rate, review, and share the show with friends and family who want to feel more confident, intentional, and empowered in their financial lives.

    21 min
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5
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About

Your connection with money should be one of the best relationships in your life. Is it? Certified coach and CEO of Limit Free Life, Michelle Perkins breaks down your relationship with money - offering tough love money tips and a money dating plan that focuses on lifting the barriers to success by uncovering underlying money beliefs, illuminating what’s driving money behavior, and paving the way for a better relationship with money and increased wealth. It’s time to take control. Michelle, along with her expert guests, offers insight and understanding from her own career journey that has taken ventures from zero to a Million $$ in five years. We change, the world changes, and our careers can change. Michelle’s mission is to help ambitious, driven entrepreneurs and professionals move into (or better yet, create) work that satisfies the soul, creates the financial prosperity that they need and want, and empowers them to live the life they desire.

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