Money & You with Michelle Perkins

Michelle Perkins

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. 4 АВГ.

    Ep 190: Avoid Money Mistakes Even Smart People Make! Part 1 with Noah St. John

    In this podcast episode of "Money & You," host Michelle Perkins joins guest Dr. Noah St. John, author of 25 books including one of his newest on overcoming mental barriers (head trash) related to money. Dr. Noah is on a mission to help people worldwide reduce the doubt, distraction and mental junk that blocks success. The conversation emphasizes the significance of mindset and habits in addressing financial challenges.  This repeat and highly regarded guest shares insights from his experience, notably, his coaching has helped clients generate an additional $3 billion.  He reflects on his upbringing, being poor in a wealthy community, which fueled his desire to understand financial success. Dr. Noah stressed the importance of clarity in goal-setting, not just in financial terms but across all aspects of life, including health and relationships. They critique the self-help genre for often lacking in actionable advice, advocating for practical steps to eliminate "head trash"—negative thoughts that hinder progress. This episode is important as it provides listeners with strategies to improve their relationship with money, and encourages proactive measures to achieve personal and financial goals. 00:00 - Mindset and money connection  09:24 - Universal business insights  16:04 - Clearing mental obstacles  24:31 - Defining your desires  30:51 - Taking action against doubt  The conversation delves into the mindset barriers that often lead to financial struggles, the importance of clarity in goal-setting, and actionable steps to finally stop any of the self sabotaging behaviors they have become accustomed to. The conversation was so good that Dr. Noah offered to delve into the internal world of success in Part 1 and allowed us to have a deeper dive into the external ways one can improve their habits and actions in Part 2 (next show).   Key Topics Discussed   The Importance of Mindset:  Money issues often stem from our mindset and habits. A positive relationship with money is foundational for a fulfilling life.- Head Trash and Its Impact:  The concept of "head trash" refers to negative thoughts and beliefs that hinder financial success. Noah’s offers: FreegiftfromNoah.com to receive his book and Noahbot.me for a free GPT. Also check out BreakthroughwithNoah.com to get more done in 12 weeks than in the previous 12 months. For more tools and conversations about money mindset, practical money tips, confidence, and financial empowerment… Subscribe to the Money & You Podcast:  Apple Podcasts Please rate and review & share the podcast with your friends and family members who want to better understand money, and feel more confident and in control of their financial lives. It's sooo important to us!!  Join the Limit Free Life Community Blog: https://limitfreelife.com/newsletter  Learn more about Michelle Perkins: https://limitfreelife.com  LinkedIn: Michelle on LinkedIn  Instagram: @livealimitfreelife  YouTube: https://www.youtube.com/@michelleperkins-limitfreel2446

    36 мин.
  2. 28 ИЮЛ.

    Ep 189: The Confident Divorce: Mastering Your Money Matters

    In this podcast episode of "Money & You," host Michelle Perkins discusses the critical relationship between mindset and money management with her guest, Ed Vargo. Ed is the co-founder and President of Burning River Advisory Group and EnlightenHer, a community devoted to money mentorship for women. With more than 24 years of experience in the financial services industry and father of 5 girls, Ed strives to help women develop a long-term financial plan for every stage of life including retirement planning, college planning, and transitioning successfully in cases of death and divorce. They explore the importance of educating oneself about finances, especially in the context of divorce, where women may feel overwhelmed and unprepared. The discussion highlights the need for a shift in how financial services approach women, advocating for a more empathetic and understanding framework that aligns with women's unique perspectives on money. The episode underscores the significance of treating financial literacy as a survival skill rather than a secondary concern. This conversation reflects ongoing societal challenges regarding financial empowerment for women. Insights shared are vital for fostering a healthier relationship with money, particularly for those navigating significant life changes like divorce, ultimately aiming to empower listeners to take control of their financial futures. 00:01 - Mindset and money connection  09:07 - Empowering financial mindsets  22:14 - Connecting with financial advisors  35:30 - Navigating divorce financially  45:44 - Post-divorce financial empowerment     The conversation emphasizes the importance of financial education and mindset in overcoming the challenges associated with divorce and rebuilding one's financial future. The podcast highlights that many individuals, particularly women, feel overwhelmed and lack knowledge about financial matters related to divorce, often due to misconceptions and a lack of education on the topic. The podcast emphasizes that a positive or neutral mindset about money is crucial for taking effective action, suggesting that without the right mindset, individuals may struggle to engage with their finances confidently. Key Takeaways:  - A strong mindset is foundational for effective financial management and decision-making. - Women often need to approach financial discussions differently than men, focusing on connection and understanding. - Knowledge is power; educating oneself about finances is crucial when contemplating or going through a divorce. - Post-divorce is a pivotal moment for women to reassess their financial goals and take charge of their financial lives. For more tools and conversations about money mindset, practical money tips, confidence, and financial empowerment… Subscribe to the Money & You Podcast:  Apple Podcasts Please rate and review & share the podcast with your friends and family members who want to better understand money, and feel more confident and in control of their financial lives. It's sooo important to us!!  Join the Limit Free Life Community Blog: https://limitfreelife.com/newsletter  Learn more about Michelle Perkins: https://limitfreelife.com  LinkedIn: Michelle on LinkedIn  Instagram: @livealimitfreelife  YouTube: https://www.youtube.com/@michelleperkins-limitfreel2446

    49 мин.
  3. 21 ИЮЛ.

    Ep 188: “Protect Your Wealth: Tax-Free Strategies for Retirement”

    In this episode of the "Money and You" podcast, Michelle interviewed Camille Scott Wiles RN, Agency Owner of Emerald Diamond Advisors. A licensed financial professional with over 14 years of experience in commodities investing and a background as an ICU nurse. The discussion focused on the importance of financial security, particularly for nurses and other professionals, emphasizing strategies for early and secure retirement. Camille shared her personal journey from nursing to financial services, driven by a desire to help others protect their assets amid rising medical debts and economic uncertainties. The conversation highlighted the significance of life insurance, annuities, and precious metals as tools for safeguarding wealth, especially during the ongoing wealth transfer from baby boomers. Camille stressed the necessity of establishing living trusts to prevent creditors from seizing assets and to ensure that individuals can dictate the distribution of their wealth in case of incapacitation. This episode is crucial as it educates listeners on financial literacy and asset protection in a volatile economic landscape, aiming to empower individuals to make informed financial decisions. 00:00 - Camille's journey to financial security  08:17 - Protecting assets in wealth transfer  17:58 - Importance of living trusts  27:37 - Investing in precious metals  37:46 - Understanding wealth cycles  48:16 - Opportunities for financial learning  What motivated Camille to transition from nursing to financial services? Camille transitioned to financial services after recognizing a trend where people's retirement funds were at risk, especially during the significant wealth transfer occurring as baby boomers age. Her experience as a nurse, particularly during the COVID-19 pandemic, also highlighted the importance of financial security. Key Takeaways: - Financial Security: The importance of proactive financial planning to protect assets and ensure a secure retirement. - Living Trusts: Establishing a living trust can prevent loss of assets and provide peace of mind regarding financial decisions. - Investment Strategies: Diversifying investments with life insurance, annuities, and precious metals can provide a hedge against economic uncertainties. - Education is Key: Continuous learning about financial history and wealth cycles is essential for making informed investment decisions. Camille recommends Mike Maloney's work, particularly 'Gold and Silver: The Investment of the 20th Century,' as a valuable resource for understanding wealth cycles. She also shares her own books and masterclasses to help others learn about financial history and strategies for wealth management. She’s passionate about helping individuals, especially nurses and professionals, retire early and securely, offering free Living Trust and Will setups for new clients. Camille’s goal is to help clients grow their wealth and protect it from life’s unexpected challenges. Check out her class: http://PreciousMetalsMasterclass.com For more tools and conversations about money mindset, practical money tips, confidence, and financial empowerment… Subscribe to the Money & You Podcast:  Apple Podcasts Please rate and review & share the podcast with your friends and family members who want to better understand money, and feel more confident and in control of their financial lives. It's sooo important to us!!  Join the Limit Free Life Community Blog: https://limitfreelife.com/newsletter  Learn more about Michelle Perkins: https://limitfreelife.com  LinkedIn: Michelle on LinkedIn  Instagram: @livealimitfreelife  YouTube: https://www.youtube.com/@michelleperkins-limitfreel2446

    50 мин.
  4. 14 ИЮЛ.

    EP 187: “Small Biz Money Moves: CFO Tips for Big Impact”

    In this episode of the "Money & You" podcast, guest Jayson Mamaclay of Norman Professional Services and Michelle Perkins discussed the critical distinctions between various financial roles within a business, including accountants, bookkeepers, and CFOs. They emphasized the importance of understanding these roles to enhance financial literacy among entrepreneurs, particularly in managing and growing their businesses. The conversation highlighted how many entrepreneurs mistakenly conflate these roles, leading to potential mismanagement of financial tasks.  The discussion underscored the necessity for business owners to seek expert help, such as hiring a CPA or a fractional CFO, especially as their companies grow. Jayson introduced the "add a zero rule" to guide when to engage these professionals based on revenue levels. They also touched on the importance of building cash reserves and strategic financial planning to support business growth and stability.  This episode is significant as it provides entrepreneurs with essential insights into financial management, helping them make informed decisions that can lead to sustainable business success. 00:03 - Understanding financial roles  15:06 - Strategic cash management insights  21:19 - Building cash reserves wisely  30:46 - Envisioning your business future  40:58 - Navigating debt for growth  The conversation highlights that an accountant typically focuses on tax strategy and financial oversight, while a bookkeeper manages day-to-day financial transactions. The CFO, on the other hand, plays a strategic role in guiding the business's financial direction and investment decisions.  The podcast helped entrepreneurs understand how to approach hiring financial professionals. The podcast suggests using the 'add a zero rule' for hiring financial professionals, andwhat is meant by 'cash runway' in the context of business financial planning. The podcast emphasizes the importance of having a cash reserve to support the business during downturns, and why it is important for entrepreneurs to have a clear vision for their business's future.  The podcast stresses that having a clear vision helps entrepreneurs identify the financial levers they need to pull to achieve their goals. It encourages them to think about pricing, target markets, team size, and necessary resources to build the business they envision.  The podcast acknowledges that financial discussions can often feel intimidating or jargony. It emphasizes the importance of friendly and empathetic communication to make financial concepts more accessible and less scary for entrepreneurs. Key Takeaways: Role Clarity: Entrepreneurs should clearly understand the distinctions between financial roles to optimize their business operations.- Strategic Financial Management: Engaging with financial experts can provide valuable insights and help businesses navigate growth challenges.- Cash Management: Building a cash reserve is essential for long-term sustainability and investment opportunities.- Future Planning: Taking the time to envision the future of the business can lead to more informed financial decisions and strategies.- Debt Awareness: Understanding the role of debt in business can help entrepreneurs make better financial choices.For more tools and conversations about money mindset, practical money tips, confidence, and financial empowerment… Subscribe to the Money & You Podcast:  Apple Podcasts Please rate and review & share the podcast with your friends and family members who want to better understand money, and feel more confident and in control of their financial lives. It's sooo important to us!!   Join the Limit Free Life Community Blog: https://limitfreelife.com/newsletter  Learn more about Michelle Perkins: https://limitfreelife.com  LinkedIn: Michelle on LinkedIn  Instagram: @livealimitfreelife  YouTube: https://www.youtube.com/@michelleperkins-limitfreel2446

    47 мин.
  5. 7 ИЮЛ.

    EP 186: Beyond Dollars: How Emotional Baggage Masks Financial Truths

    In this podcast episode of "Money & You," Michelle Perkins engages with financial planner Mark Hansen, who discusses “the quiet part” out loud on this valuable episode. The conversation highlights the importance of intentional financial planning, particularly for single-income families, and the need for discipline in budgeting and saving for retirement.  Mark shares insights on how to create a sustainable financial ecosystem, where individuals can balance spending and saving while preparing for retirement. He stresses that financial planning is not just about cutting expenses but about making informed decisions that align with one's values and goals. Mark addresses what is out of our control and what we actually can influence in our financial lives and how to do that. This episode is significant as it addresses common misconceptions about budgeting and retirement, advocating for a proactive and flexible approach to financial health. The discussion took place recently, reflecting contemporary challenges faced by individuals in managing their finances effectively. Overall, the episode aims to empower listeners to cultivate a healthier relationship with money, ultimately leading to greater freedom and choice in their lives. 00:00 - Mindset and money connection  05:44 - Adjusting financial mindsets  14:06 - Discipline in financial decisions  21:38 - Planning vs. investing insights  32:00 - Redefining retirement perspectives  38:20 - Connecting with financial experts  Mark aims to simplify complex financial matters for single-income families, allowing them to focus on their lives while he manages their financial planning needs. He is passionate about helping clients navigate their financial journeys and create sustainable financial habits. Mark also hosts a podcast “The Quiet Part” where he shares his insights and strategies for effective financial planning. The podcast highlights that financial planning involves setting up a strategy for savings and expenditures, while investing focuses on growing those savings through various financial instruments. Automatic withdrawals help individuals forget about their spending, allowing them to allocate funds to investments or savings without the psychological burden of actively managing those transactions. The podcast suggests that retirement should not be viewed as a hard stop after years of work, but rather as a phase where assets generate income, allowing for continued engagement and choice in life. Key Takeaways   Our relationship with money is foundational to overcoming financial challenges.- Intentional financial planning can help individuals prioritize their financial goals.- Budgeting should be viewed as a tool for empowerment rather than restriction. - Discipline is crucial for maintaining a healthy financial ecosystem.- Retirement planning should focus on generating income rather than solely relying on investments. For more tools and conversations about money mindset, practical money tips, confidence, and financial empowerment…For more tools and conversations about money mindset, practical money tips, confidence, and financial empowerment… Subscribe to the Money & You Podcast:  Apple Podcasts Please rate and review & share the podcast with your friends and family members who want to better understand money, and feel more confident and in control of their financial lives. It's sooo important to us!!  Join the Limit Free Life Community Blog: https://limitfreelife.com/newsletter  Learn more about Michelle Perkins: https://limitfreelife.com  LinkedIn: Michelle on LinkedIn  Instagram: @livealimitfreelife  YouTube: https://www.youtube.com/@michelleperkins-limitfreel2446

    41 мин.
  6. 30 ИЮН.

    EP 185: "From Boots to Bitcoin: Veterans Betting on Psychedelics and Crypto

    In this exciting episode of "Money & You," Michelle Perkins converses with Joshua Brooks, a financial advisor and Army veteran with over 20 years of service. The discussion centers on the importance of financial literacy, particularly for military personnel, who often face challenges in managing their finances due to a lack of education on the subject. Joshua emphasizes the need for a mindset shift regarding money and highlights the complexities of financial planning, including investment strategies and the integration of digital assets like Bitcoin. Joshua is uniquely knowledgeable and favorable toward cryptocurrency.  The conversation also touches on Joshua's commitment to serving veterans and their families, as well as his vision for Exponential Advisors LLC, which aims to provide innovative financial solutions. The episode underscores the significance of understanding financial tools and the emotional aspects of money management, especially in the context of military life.   00:03 - Mindset and money matters  06:21 - Financial literacy in the military  14:42 - Client engagement in finance  20:02 - Understanding bitcoin basics  27:17 - Investing with integrity  35:06 - Transformative healing and finance  Main Topics Discussed: Financial Literacy in the Military: The lack of financial education provided to active-duty military personnel. Common financial pitfalls faced by veterans, such as impulsive spending and inadequate financial planning.    -Joshua's Background:  Over 20 years of service in the U.S. Army, transitioning from infantry soldier to chaplain.  His commitment to helping fellow veterans with financial planning, investment strategies, and legacy planning.   - Innovative Financial Solutions:  The integration of digital assets and AI-driven insights into traditional financial planning.  The importance of understanding cryptocurrency, particularly Bitcoin, as a potential investment.- Psychedelics and Personal Transformation: Joshua's recent experiences with psychedelics and their impact on personal growth and financial mindset. The significance of mental well-being in managing finances effectively.- Investment Strategies:  Discussion on the volatility of Bitcoin and its potential as a long-term investment.  Recommendations for allocating a portion of investment portfolios to cryptocurrency.Joshua Brooks, CFP® Founder, Exponential Advisors LLC www.exponentialadvisors.net/ For more tools and conversations about money mindset, practical money tips, confidence, and financial empowerment… Subscribe to the Money & You Podcast:  Apple Podcasts Please rate and review & share the podcast with your friends and family members who want to better understand money, and feel more confident and in control of their financial lives. It's sooo important to us!!  Join the Limit Free Life Community Blog: https://limitfreelife.com/newsletter   Learn more about Michelle Perkins: https://limitfreelife.com  LinkedIn: Michelle on LinkedIn  Instagram: @livealimitfreelife  YouTube: https://www.youtube.com/@michelleperkins-limitfreel2446

    44 мин.
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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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