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. 8月18日

    Ep 192: From Vision to Value: The Intersection of Money and Life Goals

    In this podcast episode of "Money & You," Michelle Perkins speaks with Cliff Nonnenmacher, who began his career as an investment banker at Morgan Stanley. After leaving his Wall Street career in 2003, he acquired a Master Franchise for New York and Connecticut, diving headfirst into the franchising industry. Since then, Cliff has owned and operated various franchise businesses, as well as non-franchise companies. He has also developed well-known domestic and international brands like Four Seasons Sunrooms, Contours Express, Island Fin Poke, and Krak Boba. With over 25 years of experience in franchising, finance, and business, Cliff has been involved in every aspect of the franchisor-franchisee relationship. Cliff now uses his extensive knowledge to assist corporate executives in building generational wealth, diversifying their investment portfolios, and navigating career transitions through franchise ownership.  The guest shares insights on the realities of being a franchisee, highlighting that many franchise owners are essentially operators rather than true owners, which affects their long-term financial outcomes. The episode also touches on the impact of artificial intelligence on various professions, including franchising, and the importance of adapting to technological advancements. They discussed the franchising model, and the best franchising ideas for a new age. This show offered exciting ways that people could be business owners without some of the start up headaches. 00:01 - Mindset and money connection  07:17 - Wealth mindset myths debunked  12:54 - Franchising insights and opportunities  23:31 - AI's impact on professions  29:17 - Disruption and entrepreneurial survival  36:60 - Tax strategies for wealth building  The podcast emphasizes that our relationship with money is crucial for overcoming financial obstacles. A positive mindset towards wealth is essential, as negative thoughts about money can hinder financial success.  The podcast discusses the rise of AI in franchising, including concepts like AI-operated convenience stores and the need for entrepreneurs to embrace technology to remain competitive in the evolving market. The guest identifies four “hot” categories: testosterone-related brands, services catering to an aging population, youth enrichment programs, and anti-aging or beauty-related businesses, all of which are seen as resilient to market changes. They touched on ways to use retirement savings for tax effective strategies to invest in franchise businesses as well. 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

    45 分钟
  2. 8月11日

    Ep 191: The Inner Game, the Outer Gain: Unlocking True Financial Success. Part 2 with Noah St. John

    In the podcast part 2 episode of "Money & You," with Dr. Noah St. John, we followed up our “head trash” conversation with more on the interplay between mindset (inner game) and practical strategies (outer game) in achieving financial success. They emphasize the importance of cultivating a positive relationship with money and overcoming mental barriers, referred to as "head trash."  Dr. Noah shares insights from his experiences coaching high achievers and introduces concepts like the "golden triangle" of money, meaning, and freedom. He highlights common challenges faced by business owners, such as insufficient sales, and critiques the marketing tactics of some self-proclaimed gurus.  The episode also marks the launch of Dr. Noah's AI tool, the NoahBot, designed to provide 24/7 coaching support. This discussion took place recently and is significant as it offers listeners practical advice and tools to enhance their financial mindset and business strategies, ultimately aiming to empower them in their entrepreneurial journeys. 00:00 - Mindset and money connection  05:06 - Breaking through financial barriers  11:50 - The golden triangle explained  22:04 - Marketing challenges for coaches  28:01 - Introducing the NoahBot AI  The 'inner game' refers to the mindset and habits that influence one's relationship with money, while the 'outer game' involves practical strategies and actions taken to achieve financial success. Both are essential for overcoming financial obstacles. Dr. Noah emphasizes the importance of building a 'machine' for business operations rather than relying solely on personal effort. He critiques traditional marketing methods that often prioritize self-promotion over effective teaching. Many people believe they have a lead generation problem when, in fact, they may be facing deeper issues related to their marketing strategies. Dr. Noah points out that those who are highly skilled often struggle with self-promotion, leading to a disconnect in their business success. Key Takeaways Achieving financial success requires a harmonious balance between mindset (inner game) and practical strategies (outer game).- Overcoming limiting beliefs is crucial for unlocking potential and achieving financial goals.- The Golden Triangle framework can guide individuals in aligning their financial pursuits with personal meaning and freedom. - Business owners should focus on creating efficient systems to enhance sales and reduce personal strain.- The launch of NoahBot offers a unique opportunity for continuous learning and support in personal and financial development. Dr. Noah launched the NoahBot, an artificial intelligence tool that encapsulates his knowledge from 25 books.Resources Mentioned: NoahBot: An AI coaching tool available at (http://noahbot.me)- Free Gift: Access resources: (http://freegiftfromnoah.com)- Books by Dr. Noah St. John: "The 7-Figure Expert" and many more.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

    40 分钟
  3. 8月4日

    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 分钟
  4. 7月28日

    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 分钟
  5. 7月21日

    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 分钟
  6. 7月14日

    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 分钟
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关于

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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