Money & You with Michelle Perkins

Michelle Perkins
Money & You with 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. JAN 20

    Ep 162: Income Coach: Gives The Retirement Money Secrets

    In this episode of "Money & You," host Michelle Perkins engages in a discussion with guest Steve Selengut about the relationship individuals have with money and the importance of mindset in overcoming financial challenges. As a 44-year investment professional, he's developed a simple, yet little-known system for producing reliable market generated income. He created income-generating portfolios for his clients for decades, growing their income every year. Now semi-retired himself, his mission is to bring this system to as many investors and retirees as possible. As a private portfolio investment manager with over $110 million in assets before selling his business in 2023. He's introduced several proprietary concepts, including QDI + PT, Smart Cash, The Working Capital Model, The Investor's Creed, Base Income, and the Investment Grade Value Stock Identification System. Steve shares his personal journey of learning to invest, focusing on income-generating assets rather than merely increasing portfolio value. He highlights the significance of cash flow and the need to understand investment choices, particularly in a changing financial landscape. By providing insights into effective investment strategies, the podcast aims to help listeners cultivate a more positive and productive relationship with money leading to financial freedom. 00:05 - Understanding money mindset  07:14 - Building income through investments 18:51 - Cash flow over portfolio value 26:53 - Defining financial sufficiency 33:00 - Reinvesting for financial growth 44:44 - Tangible income for retirement  Key Takeaways - A healthy relationship with money is foundational for financial independence.- Consistent income from investments can provide security and flexibility in retirement.- Understanding the cash flow generated by investments is crucial for long-term financial success.- Practical investment strategies, such as focusing on dividend-paying stocks, can lead to sustainable income. Steve Selengut faced a lack of modern investment tools and resources, as there were no ETFs, IRAs, or 401(k)s at the time. He adapted by learning to focus on income generation and developing a strategy that involved consistent investment in income-producing assets. The guest suggests focusing on generating cash flow from investments rather than merely increasing the market value of a portfolio. This involves investing in assets such as dividend-paying stocks and bonds, to ensure consistent income. Having a portfolio that produces cash flow allows investors to weather market fluctuations without relying solely on selling assets. For much more on ALL things money mindset, money management, how to earn a great living and take control of your finances…Subscribe to my weekly podcast, Money and You:https://podcasts.apple.com/us/podcast/money-you-with-michelle-perkins/id1365907575?ign-itscg=30200&ign-itsct=podcast_box Please share the episode or the podcast with your friends and family members who want to understand money better and feel in control of their financial lives. And don’t forget to join the Limit Free Life email community for valuable, usable content and to learn about upcoming events: Let’s Connect… a href="https://limitfreelife.com/newsletter/" target="_blank" rel="noreferrer...

    54 min
  2. JAN 14

    Ep 161: Planning for the future even through Unforeseen circumstances!

    In this episode of "Money & You," host Michelle Perkins discusses the psychological aspects of financial management with guest James Alexander,  a Certified Financial Planner and partner with Edge Financial Advisors. James is co-host of his company podcast: “Ed’s Edge” a show geared towards regular, everyday investors seeking financial peace. Passionate about empowering clients to navigate finance confidently while emphasizing emotional well-being in financial planning. The conversation emphasizes the importance of mindset and emotional well-being in overcoming financial challenges. They explore common issues such as avoidance of financial discussions, the impact of shame, and the necessity of creating personalized financial plans that accommodate individual lifestyles and values. The episode highlights the non-linear nature of life and the need for flexibility in financial planning, including considerations for unexpected expenses and changes in circumstances. James stresses the importance of regularly reviewing insurance coverage and adapting financial strategies as life evolves. The discussion aims to empower listeners to shift their mindset towards viewing financial peace as attainable, encouraging proactive engagement with their finances. This episode is significant as it addresses the psychological barriers to financial management and provides practical insights for listeners to improve their financial literacy and planning. 00:05 - Mindset and money connection  07:53 - Confronting financial avoidance 16:43 - Customizing your budget plan 24:04 - Planning for unexpected expenses 34:60 - Insurance and financial peace 41:33 - Belief in financial attainability  Key Takeaways - Emotional Well-Being: Acknowledge the psychological aspects of money management to reduce stress and improve financial decision-making.- Personalized Approach: Create a budget that reflects personal values and lifestyle rather than adhering to rigid structures. Listeners are encouraged to evaluate their budgets without judgment and assess how their spending aligns with their personal values, allowing for a more fulfilling financial plan.- Expect the Unexpected: Life is unpredictable; financial plans should account for potential changes and challenges. importance of accounting for unexpected life events, such as health issues or economic changes, in financial planning to create a more resilient and adaptable financial strategy.- Regular Insurance Reviews: Stay informed about insurance coverage to protect against unforeseen events. The podcast emphasizes the need for regular reviews of insurance policies to ensure they adequately cover changing life circumstances and protect against potential financial risks- Financial Peace is Attainable: With the right mindset and planning, achieving financial peace is possible. For much more on ALL things money mindset, money management, how to earn a great living and take control of your finances…Subscribe to my weekly podcast, Money and You:https://podcasts.apple.com/us/podcast/money-you-with-michelle-perkins/id1365907575?ign-itscg=30200&ign-itsct=podcast_box Please share the episode or the podcast with your friends and family members who want to understand money better and feel in control of their financial lives. And don’t forget to join the Limit Free Life email community for valuable, usable content and to learn about upcoming events: Let’s Connect… https://limitfreelife.com/newsletter/I’m excited to offer you a proven way to develop a next level relationship with money that...

    46 min
  3. JAN 6

    Ep 160: Home Buying Goals in 2025? This is What You Need to Hear!

    In this episode of "Money & You," host Michelle Perkins speaks with Jennifer Fishman, an advocate for financial literacy in early education. Join Michelle and Jennifer in this enlightening discussion about the future of financial education for children. Discover how early financial literacy can empower the next generation to thrive in their personal and professional lives.  The discussion centers on the importance of teaching financial concepts to children, particularly those in grades K-5, to prepare them for future economic challenges. Fishman, who holds a master's in education and a degree in child development, emphasizes the need for structured financial literacy programs in schools, which she aims to implement across California.  The conversation highlights the current gap in financial education and the transformative potential of early financial literacy, which can help children develop essential skills for money management and for entering the workforce. Fishman outlines a progressive curriculum that evolves from basic financial awareness in elementary school to more complex economic concepts in high school.  This initiative is crucial as it addresses the widespread lack of financial knowledge among young people, equipping them with the tools to navigate their financial futures successfully. The episode underscores the growing recognition of financial literacy as a vital component of education, reflecting a shift towards preparing students for real-world economic realities. Chapters 00:05 - Introduction to financial literacy  06:16 - Stages of financial education  16:27 - Engaging kids in learning  27:16 - Entrepreneurship and networking skills  37:18 - Community involvement and support  Key Points: Jennifer focuses on introducing financial literacy to very young children, specifically targeting K through 5 students, to help them develop essential financial skills early on. The curriculum evolves from financial awareness and consumer awareness in K through 5, to financial literacy in middle school, and then to economic literacy in grades 9 through 12. Students often graduate without the necessary financial skills, leaving them unprepared for real-world financial responsibilities, such as managing debt and making informed financial decisions. By teaching children to develop good financial habits and literacy, the podcast suggests that this can lead to a more financially aware workforce, which in turn can positively impact the economy and community. Parents are encouraged to support the initiative by volunteering in schools and learning alongside their children, which fosters a collaborative environment for financial education. Programs like Jennifer’s “Business Basics For Kids” are designed to provide a seamless educational experience. Engaging and fun activities can help children learn about entrepreneurship and finance. Jennifer shares insights on how children can develop networking skills and comfort in business settings from an early age. Listeners are encouraged to visit Jennifer's website and follow “Business Basics For Kids” on Instagram for more information and resources. For much more on ALL things money mindset, money management, how to earn a great living and take control of your finances…Subscribe to my weekly podcast, Money and You: https://podcasts.apple.com/us/podcast/money-you-with-michelle-perkins/id1365907575?ign-itscg=30200&ign-itsct=podcast_box Please share the episode or the podcast with your friends and family members who want to understand money better and feel in control of their financial lives. And don’t forget to join the Limit Free Life email...

    52 min
  4. 12/09/2024

    Ep 158: "Learning the secrets of Life Settlements"

    Host Michelle Perkins and guest Rob Haynie discuss the life settlement industry, where individuals can sell their life insurance policies for cash. Haynie, with 31 years of experience in the industry, highlighted the benefits and opportunities in this market, emphasizing the importance of understanding the value of life insurance policies and exploring options for financial planning. The conversation covered various aspects of life settlements, including the potential for selling term policies, the risks involved, and the need for proper education and planning. He also mentioned efforts to create a senior health planning account to help individuals fund long-term care expenses. The discussion provided valuable insights into a lesser-known financial opportunity and underscored the significance of financial literacy and proactive financial decision-making. The episode aimed to empower listeners to enhance their financial knowledge and make informed choices for their financial well-being. 00:05 - Transform your financial life 05:56 - Expanding life settlement marketplace 13:45 - Understanding life expectancy investments 27:41 - Unveiling life insurance secrets 36:53 - Navigating insurance policy options 42:04 - Future of senior health planning 49:07 - Empowering financial knowledge Loving Request: Please share this podcast with others who can benefit from gaining financial freedom strategies through passive investing. This might just change their life. For much more on ALL things money mindset, money management, how to earn a great living and take control of your finances… Subscribe to my weekly podcast, Money and You: https://podcasts.apple.com/us/podcast/money-you-with-michelle-perkins/id1365907575?ign- itscg=30200&ign-itsct=podcast_box And don’t forget to join the Limit Free Life email community for valuable, usable content and to learn about upcoming events: Let’s Connect… https://limitfreelife.com/newsletter/ I’m excited to offer you a proven way to develop a next level relationship with money that will empower your mindset and financial mastery by “dating your money.” Until you understand how YOU relate to money and what you believe about money, nothing will change. Once you begin to get to know yourself with money, learn the fundamentals of money management, and operate in a new way with money, everything will open up. Join my signature “Your MoneyDate™” program and I’ll help you make the shift. https://limitfreelifeworkshops.com/money-date/ The next one begins soon! For more information on Limit Free Life & Michelle Perkins: https://limitfreelife.com LinkedIn: https://www.linkedin.com/in/limitfreelife/ Instagram: https://www.instagram.com/livealimitfreelife

    51 min
  5. 12/03/2024

    Ep 157: "Unlocking Six-Figure Creativity: Elevate Your Money Mindset”

    Host Michelle Perkins delves into powerful methods for identifying and releasing money blocks that hinder financial growth. In this solo episode, Michelle shares a detailed step-by-step guide to a transformative "releasing exercise" designed to let go of old beliefs, rewrite financial narratives, and adopt a positive relationship with money. This episode is perfect for anyone seeking clarity, freedom, and flow in their financial life. Timestamps 00:00 - Identifying money blocks 15:45 - Releasing exercise: Steps to shift your beliefs 30:22 - Creating new empowering financial narratives Loving Request: Please share this podcast with others who can benefit from gaining financial freedom strategies through passive investing. This might just change their life. For much more on ALL things money mindset, money management, how to earn a great living and take control of your finances… Subscribe to my weekly podcast, Money and You: https://podcasts.apple.com/us/podcast/money-you-with-michelle-perkins/id1365907575?ign- itscg=30200&ign-itsct=podcast_box And don’t forget to join the Limit Free Life email community for valuable, usable content and to learn about upcoming events: Let’s Connect… https://limitfreelife.com/newsletter/ I’m excited to offer you a proven way to develop a next level relationship with money that will empower your mindset and financial mastery by “dating your money.” Until you understand how YOU relate to money and what you believe about money, nothing will change. Once you begin to get to know yourself with money, learn the fundamentals of money management, and operate in a new way with money, everything will open up. Join my signature “Your MoneyDate™” program and I’ll help you make the shift. https://limitfreelifeworkshops.com/money-date/ The next one begins soon! For more information on Limit Free Life & Michelle Perkins: https://limitfreelife.com LinkedIn: https://www.linkedin.com/in/limitfreelife/ Instagram: https://www.instagram.com/livealimitfreelife YouTube: https://www.youtube.com/@michelleperkins-limitfreel2446

    48 min
5
out of 5
11 Ratings

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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