1 00:00:02,080 --> 00:00:05,139 Welcome to the Money is Emotional podcast 2 00:00:05,599 --> 00:00:06,419 with Christine 3 00:00:06,799 --> 00:00:07,299 Lukin, 4 00:00:07,599 --> 00:00:08,820 the financial 5 00:00:09,279 --> 00:00:09,779 dignity 6 00:00:10,080 --> 00:00:11,779 coach. In this podcast, 7 00:00:12,240 --> 00:00:15,139 we help you recover a positive and peaceful 8 00:00:15,199 --> 00:00:17,234 relationship with your personal finances. 9 00:00:17,774 --> 00:00:20,654 We do this by bringing together wise money 10 00:00:20,654 --> 00:00:21,154 management 11 00:00:21,454 --> 00:00:22,835 with emotional intelligence. 12 00:00:23,614 --> 00:00:26,035 Join us for this journey where we navigate 13 00:00:26,254 --> 00:00:28,914 our relationship with money as Christine 14 00:00:29,214 --> 00:00:32,929 Lukin draws from years of experience and guest 15 00:00:32,929 --> 00:00:35,250 experts to help you get to the root 16 00:00:35,250 --> 00:00:36,469 of your money issues. 17 00:00:38,530 --> 00:00:41,729 Oh, hello, my friend. Welcome to the Money 18 00:00:41,729 --> 00:00:43,109 is Emotional podcast. 19 00:00:43,445 --> 00:00:45,625 I am your host, Christine Lukin. 20 00:00:46,085 --> 00:00:50,024 Today's episode is widowed at 35. 21 00:00:50,565 --> 00:00:53,445 I am honored to welcome my special guest, 22 00:00:53,445 --> 00:00:54,585 Katrina Wisdom. 23 00:00:55,045 --> 00:00:56,505 Katrina is a powerhouse 24 00:00:56,885 --> 00:00:58,984 abundance activator and strategist, 25 00:00:59,820 --> 00:01:03,200 best selling author, TEDx speaker, and the visionary 26 00:01:03,420 --> 00:01:06,000 behind the Anatomy of Abundance framework. 27 00:01:06,859 --> 00:01:09,340 As the founder of Pure Abundance Inc, she 28 00:01:09,340 --> 00:01:12,140 has dedicated her life to helping high achieving 29 00:01:12,140 --> 00:01:12,640 women 30 00:01:13,094 --> 00:01:14,234 redefine success, 31 00:01:15,015 --> 00:01:17,915 shift from scarcity to abundance, and intentionally 32 00:01:18,775 --> 00:01:19,275 build 33 00:01:19,575 --> 00:01:21,594 prosperous lives on their own terms. 34 00:01:22,055 --> 00:01:25,500 Petrina believes that every woman deserves a life 35 00:01:25,500 --> 00:01:28,959 filled with joy, financial freedom, self care, and 36 00:01:29,099 --> 00:01:29,599 community. 37 00:01:30,379 --> 00:01:31,200 Her approach 38 00:01:31,500 --> 00:01:32,000 dismantles 39 00:01:32,379 --> 00:01:35,979 outdated narratives about money and replaces them with 40 00:01:35,979 --> 00:01:39,840 actionable principles for achieving financial independence and 41 00:01:40,495 --> 00:01:40,995 generational 42 00:01:41,375 --> 00:01:41,875 wealth. 43 00:01:42,495 --> 00:01:44,755 With a focus on alignment, intentionality, 44 00:01:45,215 --> 00:01:46,114 and unapologetic 45 00:01:46,575 --> 00:01:49,775 self love, Katrina inspires her clients to take 46 00:01:49,775 --> 00:01:50,674 bold action, 47 00:01:51,135 --> 00:01:53,474 live with purpose, and embrace their most 48 00:01:53,840 --> 00:01:54,340 abundant, 49 00:01:54,640 --> 00:01:55,939 authentic selves. 50 00:01:56,560 --> 00:01:57,700 Welcome, Katrina. 51 00:01:58,399 --> 00:02:00,399 Thank you. It's such a pleasure to be 52 00:02:00,399 --> 00:02:00,899 here. 53 00:02:02,959 --> 00:02:06,640 Yeah. So you have a very interesting story 54 00:02:06,640 --> 00:02:08,419 with money, don't you? 55 00:02:08,985 --> 00:02:09,644 Absolutely. Yes. 56 00:02:11,864 --> 00:02:14,924 Yeah. Well and, you know, it doesn't 57 00:02:15,305 --> 00:02:16,985 it it kinda starts out on a rough 58 00:02:16,985 --> 00:02:19,485 note. I mean, you went through a very 59 00:02:19,705 --> 00:02:22,044 tragic experience of being widowed 60 00:02:22,560 --> 00:02:23,520 at 35 61 00:02:23,520 --> 00:02:24,020 years 62 00:02:24,319 --> 00:02:24,819 young. 63 00:02:25,120 --> 00:02:26,500 Can you tell us about 64 00:02:27,120 --> 00:02:30,099 your relationship with money before and during 65 00:02:30,560 --> 00:02:32,580 that pivotal period in your life? 66 00:02:33,200 --> 00:02:33,700 Yes. 67 00:02:34,080 --> 00:02:35,379 So it is a very 68 00:02:36,275 --> 00:02:38,435 story, and it didn't actually start when I 69 00:02:38,435 --> 00:02:40,215 became a widow at 35. 70 00:02:40,995 --> 00:02:42,775 It actually started a lot earlier. 71 00:02:43,314 --> 00:02:45,814 I was actually born to a single mom 72 00:02:45,955 --> 00:02:48,034 who was 16 years old when she had 73 00:02:48,034 --> 00:02:48,534 me. 74 00:02:48,879 --> 00:02:50,960 And although her and my dad were together 75 00:02:50,960 --> 00:02:53,599 for an extended period of time, they never 76 00:02:53,599 --> 00:02:56,319 did get married. And so, essentially, I was 77 00:02:56,319 --> 00:02:56,819 raised 78 00:02:57,199 --> 00:02:58,659 in a single parent household. 79 00:02:59,280 --> 00:03:01,780 And with that came a lot of struggle. 80 00:03:02,764 --> 00:03:05,324 My mom was in the entertainment industry as 81 00:03:05,324 --> 00:03:06,465 a model and, 82 00:03:06,925 --> 00:03:09,004 you know, a lot of different other aspects 83 00:03:09,004 --> 00:03:09,665 of entertainment. 84 00:03:10,844 --> 00:03:13,004 And you know that when you're in that 85 00:03:13,004 --> 00:03:15,405 sort of an industry, you're living paycheck to 86 00:03:15,405 --> 00:03:17,680 paycheck essentially because you're as good as your 87 00:03:17,680 --> 00:03:18,419 last job. 88 00:03:18,800 --> 00:03:20,639 So I watched a lot of highs and 89 00:03:20,639 --> 00:03:22,879 lows as far as money was concerned with 90 00:03:22,879 --> 00:03:25,060 my mom, and my mom was a spender. 91 00:03:25,120 --> 00:03:26,800 Right? She was a spender. She didn't have 92 00:03:26,800 --> 00:03:27,780 financial education. 93 00:03:28,185 --> 00:03:30,264 She didn't have any kind of guidance around 94 00:03:30,264 --> 00:03:32,425 money and how to build wealth. And then 95 00:03:32,425 --> 00:03:35,084 on the other side, my dad who was 96 00:03:35,305 --> 00:03:37,465 more than a decade her senior, but that's 97 00:03:37,465 --> 00:03:39,564 not the conversation we're having today. 98 00:03:41,500 --> 00:03:43,519 He actually was military, 99 00:03:43,819 --> 00:03:46,239 and he came from a family of, 100 00:03:46,780 --> 00:03:49,979 two parent household with lots of siblings, like, 101 00:03:49,979 --> 00:03:51,439 totally different upbringing. 102 00:03:51,900 --> 00:03:53,680 And so he had some foundations 103 00:03:53,979 --> 00:03:56,314 that, obviously, my mom did not have. He 104 00:03:56,314 --> 00:03:59,194 was very, like, fixed and more conservative with 105 00:03:59,194 --> 00:04:02,555 money. He was a saver. He invested. Right? 106 00:04:02,555 --> 00:04:05,834 But his narrative was very much like work 107 00:04:05,834 --> 00:04:06,334 hard, 108 00:04:06,794 --> 00:04:09,435 save, deny self, kind of. That was the 109 00:04:09,435 --> 00:04:11,990 archetype I saw with him. And with my 110 00:04:11,990 --> 00:04:15,129 mom, I saw, like, freedom and play. And 111 00:04:15,430 --> 00:04:17,430 one of her favorite sayings was, like, I 112 00:04:17,430 --> 00:04:19,610 work hard for my money, so I deserve 113 00:04:19,910 --> 00:04:21,449 fill in the blank. Right? 114 00:04:22,230 --> 00:04:24,550 So this was the background that came from, 115 00:04:24,550 --> 00:04:26,730 which was very kind of up and down. 116 00:04:26,884 --> 00:04:28,245 And I think if you're a child in 117 00:04:28,245 --> 00:04:30,564 that situation, you could go either way. Either 118 00:04:30,564 --> 00:04:32,904 you become that very, you know, 119 00:04:33,285 --> 00:04:36,164 fixed type of, person in regard to money 120 00:04:36,164 --> 00:04:37,704 or you become reckless. 121 00:04:38,084 --> 00:04:40,805 And so two very different extremes that I 122 00:04:40,805 --> 00:04:43,120 watched. And so I made a decision at 123 00:04:43,120 --> 00:04:45,680 a very young age that, a, I wasn't 124 00:04:45,680 --> 00:04:48,259 gonna get married, I wasn't gonna have kids, 125 00:04:48,319 --> 00:04:50,160 and that I was gonna figure this money 126 00:04:50,160 --> 00:04:50,899 thing out. 127 00:04:53,360 --> 00:04:55,759 I wanted to find a happy medium because 128 00:04:55,759 --> 00:04:56,660 in my core, 129 00:04:57,084 --> 00:04:59,324 freedom and play are core values of mine, 130 00:04:59,324 --> 00:05:01,805 but I also have that other half within 131 00:05:01,805 --> 00:05:03,664 me that desires 132 00:05:04,125 --> 00:05:07,084 a level of stability and a level of 133 00:05:07,245 --> 00:05:10,365 I'll say decadence because I like nice things, 134 00:05:10,365 --> 00:05:11,904 and that's just what it is. 135 00:05:12,230 --> 00:05:14,330 So at 15 years old, 136 00:05:14,790 --> 00:05:15,769 I meet someone, 137 00:05:16,149 --> 00:05:18,810 and I fall in love immediately. I thought 138 00:05:19,029 --> 00:05:20,810 love at first sight is so corny, 139 00:05:21,189 --> 00:05:22,870 and then it happened to me. It wasn't 140 00:05:22,870 --> 00:05:26,324 as corny anymore. Right. And so long story 141 00:05:26,324 --> 00:05:29,444 short, we're together for, like, twelve years, two 142 00:05:29,444 --> 00:05:32,345 cars, two houses, two children at this point. 143 00:05:32,724 --> 00:05:34,964 And not very romantic, but we look over 144 00:05:34,964 --> 00:05:36,964 at each other one morning while we're laying 145 00:05:36,964 --> 00:05:39,240 in bed, and we're like, maybe we should 146 00:05:39,240 --> 00:05:39,980 get married. 147 00:05:41,720 --> 00:05:44,680 So, like, legally, it just makes sense at 148 00:05:44,680 --> 00:05:45,980 that point. Right? 149 00:05:46,600 --> 00:05:49,100 And so you can only imagine my devastation 150 00:05:50,040 --> 00:05:52,735 when at 35 years old, at this point, 151 00:05:52,735 --> 00:05:55,314 I've been married for, like, twenty plus years, 152 00:05:55,694 --> 00:05:57,954 you know, not even planning to be married. 153 00:05:58,175 --> 00:06:00,095 I've fallen in love with being a mom. 154 00:06:00,095 --> 00:06:02,175 I've fallen in love with being a wife. 155 00:06:02,175 --> 00:06:04,589 I've fallen in love with this, like, picket 156 00:06:04,589 --> 00:06:07,870 fence lifestyle that I never wanted, but then 157 00:06:07,870 --> 00:06:09,729 had an opportunity to experience. 158 00:06:10,430 --> 00:06:12,610 And then comes that fateful day. 159 00:06:13,469 --> 00:06:15,069 Saturday, I think it was no. It was 160 00:06:15,069 --> 00:06:16,050 Tuesday, I believe. 161 00:06:16,524 --> 00:06:19,185 February, 162 00:06:19,485 --> 00:06:21,485 where my husband woke up one morning, put 163 00:06:21,485 --> 00:06:22,944 on his suit and tie, 164 00:06:23,324 --> 00:06:26,464 grabbed his briefcase, gave me and three kids 165 00:06:26,524 --> 00:06:27,425 at that time 166 00:06:27,884 --> 00:06:29,964 a kiss goodbye, told us he loved us, 167 00:06:29,964 --> 00:06:31,720 and walked out the door knowing he wasn't 168 00:06:31,720 --> 00:06:32,459 coming home. 169 00:06:33,720 --> 00:06:36,120 So he went missing. He went missing for 170 00:06:36,120 --> 00:06:37,180 twenty four hours. 171 00:06:37,639 --> 00:06:40,439 And I was calling. I was texting. I 172 00:06:40,439 --> 00:06:42,199 was very stressed. You know, we as women, 173 00:06:42,199 --> 00:06:44,120 we have that intuition, and I just knew 174 00:06:44,120 --> 00:06:45,180 something was wrong. 175 00:06:45,625 --> 00:06:47,384 And then the next morning, I woke up 176 00:06:47,384 --> 00:06:49,544 to a phone call saying that my husband 177 00:06:49,544 --> 00:06:50,764 had taken his life. 178 00:06:51,944 --> 00:06:53,964 Oh. So quite devastating. 179 00:06:55,704 --> 00:06:57,644 Yes. And if that wasn't enough 180 00:06:58,970 --> 00:07:01,129 if that wasn't enough, the cherry on top 181 00:07:01,129 --> 00:07:03,209 of the cake is that I had also 182 00:07:03,209 --> 00:07:04,970 found out that same day that I was 183 00:07:04,970 --> 00:07:06,509 pregnant with my fourth child. 184 00:07:06,889 --> 00:07:08,490 So now I'm a single mom Oh my 185 00:07:08,490 --> 00:07:08,990 gosh. 186 00:07:09,370 --> 00:07:11,069 Head of household Oh my gosh. 187 00:07:11,524 --> 00:07:13,305 Inherit his financial business 188 00:07:13,685 --> 00:07:16,884 aside from having my own entrepreneurial bit ventures 189 00:07:16,884 --> 00:07:17,544 in business 190 00:07:18,084 --> 00:07:19,144 and pregnant. 191 00:07:20,084 --> 00:07:21,305 Insane. Wow. 192 00:07:22,805 --> 00:07:23,784 Yeah. That's 193 00:07:24,245 --> 00:07:25,944 that's a lot to deal with. 194 00:07:27,470 --> 00:07:29,250 Yes. That is a lot to deal with. 195 00:07:30,430 --> 00:07:30,930 Yes. 196 00:07:31,550 --> 00:07:32,050 Yes. 197 00:07:32,350 --> 00:07:32,850 So 198 00:07:33,389 --> 00:07:34,610 let's talk about, 199 00:07:35,550 --> 00:07:37,649 you know, what what was your relationship 200 00:07:38,029 --> 00:07:40,754 like with money? Did you know, because you 201 00:07:40,754 --> 00:07:42,835 said he had a financial business. Did he 202 00:07:42,835 --> 00:07:45,155 handle the majority of the finances in your 203 00:07:45,155 --> 00:07:45,655 family? 204 00:07:46,514 --> 00:07:49,095 Indeed. So one of the things I respect 205 00:07:49,155 --> 00:07:51,634 so much about my late husband is that 206 00:07:51,634 --> 00:07:53,574 he came from a two family household, 207 00:07:54,170 --> 00:07:57,290 military dad and a, teacher who for a 208 00:07:57,290 --> 00:07:59,470 mom. So they had a lot of foundation. 209 00:07:59,770 --> 00:08:01,930 They owned homes, all of these things that 210 00:08:01,930 --> 00:08:03,949 I hadn't experienced as a child. 211 00:08:04,410 --> 00:08:06,250 And one of the things he was very 212 00:08:06,250 --> 00:08:09,069 adamant about was involving me in the finances. 213 00:08:09,675 --> 00:08:12,235 Kicking and screaming, by the way. Kicking and 214 00:08:12,235 --> 00:08:14,555 screaming. I didn't wanna have any parts of 215 00:08:14,555 --> 00:08:16,975 that. I'm like, you take care of it. 216 00:08:17,035 --> 00:08:19,375 You pay the bills. You handle the finance, 217 00:08:19,754 --> 00:08:22,235 and I'll handle literally everything else. Okay? I 218 00:08:22,235 --> 00:08:23,214 had no interest. 219 00:08:23,870 --> 00:08:25,550 And so he would sit me down at 220 00:08:25,550 --> 00:08:27,729 the table, and it was kinda morbid, 221 00:08:28,029 --> 00:08:30,029 like, thinking back, actually, but he would be 222 00:08:30,029 --> 00:08:32,029 like, well, you know, if something happened to 223 00:08:32,029 --> 00:08:34,269 me, if I die tomorrow, you need to 224 00:08:34,269 --> 00:08:36,664 know x, y, and z. And he would 225 00:08:36,664 --> 00:08:39,065 involve me in his financial business and make 226 00:08:39,065 --> 00:08:41,485 me go to these financial education seminars. 227 00:08:42,024 --> 00:08:43,485 And, obviously, in retrospect, 228 00:08:44,345 --> 00:08:46,365 I am so happy that he did 229 00:08:46,904 --> 00:08:50,610 because unbeknownst to me, when he passed, I 230 00:08:50,610 --> 00:08:52,370 actually knew way more than I thought I 231 00:08:52,370 --> 00:08:52,870 did. 232 00:08:53,250 --> 00:08:55,889 And although I was very scared and quite 233 00:08:55,889 --> 00:08:56,870 honestly triggered 234 00:08:57,409 --> 00:09:00,309 because it's like now everything falls on me, 235 00:09:00,450 --> 00:09:02,309 I was also on some level prepared. 236 00:09:04,615 --> 00:09:05,115 Yeah. 237 00:09:06,215 --> 00:09:08,634 Yeah. Well and so you inherited 238 00:09:09,654 --> 00:09:12,715 this business, which was a financial business. 239 00:09:13,174 --> 00:09:15,495 Oh, yeah. It wasn't just him. Right? There 240 00:09:15,495 --> 00:09:17,570 were employees. Oh. You know? How did you 241 00:09:17,570 --> 00:09:19,990 find the courage to step into that role 242 00:09:20,049 --> 00:09:22,549 of leadership of leading that business? 243 00:09:23,409 --> 00:09:26,129 Something happens within you when you're backed into 244 00:09:26,129 --> 00:09:29,250 a corner. Right? And I'm someone who far 245 00:09:29,250 --> 00:09:30,470 beyond like, far 246 00:09:31,105 --> 00:09:33,345 before I even got married, had kids, and 247 00:09:33,345 --> 00:09:34,404 I started experiencing 248 00:09:34,785 --> 00:09:37,345 all of this roller coaster of challenges and 249 00:09:37,345 --> 00:09:39,504 trauma, there was a lot of challenges and 250 00:09:39,504 --> 00:09:41,825 trauma growing up as well. And so I 251 00:09:41,825 --> 00:09:43,585 think I was pretty well equipped at that 252 00:09:43,585 --> 00:09:44,965 point to handle challenges. 253 00:09:45,424 --> 00:09:45,745 And, 254 00:09:47,240 --> 00:09:49,159 I had already built up a certain amount 255 00:09:49,159 --> 00:09:50,059 of resilience. 256 00:09:50,839 --> 00:09:52,620 And so I remember 257 00:09:53,159 --> 00:09:56,220 so vividly the day my husband passed, 258 00:09:56,679 --> 00:09:59,320 in the moment of just complete hopelessness and 259 00:09:59,320 --> 00:09:59,820 grief, 260 00:10:00,144 --> 00:10:01,825 that there was this little light of hope 261 00:10:01,825 --> 00:10:04,304 within inside of me that said, You know 262 00:10:04,304 --> 00:10:05,985 what? Not only am I going to get 263 00:10:05,985 --> 00:10:08,144 through this, but I'm going to thrive. And 264 00:10:08,144 --> 00:10:09,904 I'm going to be the example to other 265 00:10:09,904 --> 00:10:11,745 women of what it looks like to get 266 00:10:11,745 --> 00:10:13,825 on the other side of this type of 267 00:10:13,825 --> 00:10:14,404 a tragedy 268 00:10:15,110 --> 00:10:16,329 and still shine, 269 00:10:16,789 --> 00:10:18,949 right, and make it through. So even though 270 00:10:18,949 --> 00:10:20,409 I was scared crapless, 271 00:10:21,029 --> 00:10:23,909 you know, knees shaking, really kind of unsure 272 00:10:23,909 --> 00:10:25,350 of myself, there was a part of me 273 00:10:25,350 --> 00:10:27,429 that had a peace because I knew that 274 00:10:27,429 --> 00:10:29,745 everything happened for a reason. And I just 275 00:10:29,745 --> 00:10:32,065 said, you know what, Katrina? It doesn't matter 276 00:10:32,065 --> 00:10:33,985 if you don't know. It doesn't matter if 277 00:10:33,985 --> 00:10:36,165 you're scared. Just lean in. 278 00:10:36,705 --> 00:10:38,705 And so that's what I did. And like 279 00:10:38,705 --> 00:10:40,725 I said, unbeknownst to me, I actually 280 00:10:41,264 --> 00:10:43,205 knew more than I thought I knew. 281 00:10:43,519 --> 00:10:45,620 And then we as women were very intuitive 282 00:10:45,679 --> 00:10:47,440 as well. But I think a lot of 283 00:10:47,440 --> 00:10:49,860 it was just sheer determination, to be honest. 284 00:10:51,440 --> 00:10:51,940 Yeah. 285 00:10:52,399 --> 00:10:54,820 Well, and I would imagine that you probably 286 00:10:55,039 --> 00:10:55,539 had 287 00:10:56,235 --> 00:10:59,934 some people on your money team, some mentors, 288 00:11:00,794 --> 00:11:03,134 and financial professionals that 289 00:11:03,754 --> 00:11:06,075 helped and guided you through that. Is that 290 00:11:06,235 --> 00:11:08,014 Yes. And. Say that was true? 291 00:11:08,950 --> 00:11:10,490 Yes. And so 292 00:11:11,990 --> 00:11:13,690 you have to imagine that 293 00:11:14,149 --> 00:11:16,549 there were I don't even know how many 294 00:11:16,549 --> 00:11:19,509 clients that were depending on him, I e, 295 00:11:19,509 --> 00:11:22,565 now me. Yeah. There were team members, a 296 00:11:22,565 --> 00:11:24,644 part of our brokerage, that were now looking 297 00:11:24,644 --> 00:11:25,785 to me for guidance. 298 00:11:26,565 --> 00:11:28,884 Not only am I having the experience of 299 00:11:28,884 --> 00:11:30,585 grief and loss and devastation, 300 00:11:30,965 --> 00:11:32,585 but they are as well. 301 00:11:33,209 --> 00:11:36,009 And so everyone deals with grief differently. Like 302 00:11:36,009 --> 00:11:38,169 you say, money is emotional, right? And you 303 00:11:38,169 --> 00:11:39,529 never know how that's going to come up 304 00:11:39,529 --> 00:11:40,269 for people. 305 00:11:40,649 --> 00:11:42,409 So what happened is there were a lot 306 00:11:42,409 --> 00:11:44,970 of people that definitely stepped up and supported 307 00:11:44,970 --> 00:11:46,649 me and did what they could to help 308 00:11:46,649 --> 00:11:48,554 me through that. But there were also a 309 00:11:48,554 --> 00:11:49,934 lot of people who, 310 00:11:50,954 --> 00:11:51,454 oof, 311 00:11:52,235 --> 00:11:54,574 who almost saw this as an opportunity 312 00:11:54,875 --> 00:11:57,294 to take that spot. Does that make sense? 313 00:11:58,154 --> 00:12:01,514 Like Yeah. Some underlying stuff potentially that was 314 00:12:01,514 --> 00:12:02,574 going on or 315 00:12:04,490 --> 00:12:06,589 whatever. And I ended up getting the backlash 316 00:12:06,730 --> 00:12:08,889 a lot of that. And so it was 317 00:12:08,889 --> 00:12:09,549 a very 318 00:12:10,889 --> 00:12:14,089 challenging time. However, I do believe that it 319 00:12:14,089 --> 00:12:16,009 made me the person that I am today. 320 00:12:16,009 --> 00:12:17,230 It made me stronger. 321 00:12:17,585 --> 00:12:20,384 I definitely had to find and exercise my 322 00:12:20,384 --> 00:12:22,304 voice in a way that I had never 323 00:12:22,304 --> 00:12:23,764 had to exercise it before. 324 00:12:24,384 --> 00:12:26,225 And I think also what it did is 325 00:12:26,225 --> 00:12:27,764 it gave me a level of relatability 326 00:12:28,625 --> 00:12:30,544 with the clients that I would sit with 327 00:12:30,544 --> 00:12:32,725 because I would let them know, like, hey. 328 00:12:32,899 --> 00:12:34,179 You know, I've been a part of this 329 00:12:34,179 --> 00:12:36,899 for x amount of time, but this is 330 00:12:36,899 --> 00:12:37,700 something that, 331 00:12:38,179 --> 00:12:40,259 you know, I'm not I'm not new with. 332 00:12:40,259 --> 00:12:40,919 I'm not 333 00:12:41,379 --> 00:12:44,179 seasoned at this. So it made me human, 334 00:12:44,179 --> 00:12:46,259 which I think made me very successful as 335 00:12:46,259 --> 00:12:47,399 well in that realm. 336 00:12:49,184 --> 00:12:50,884 Yeah. And isn't that interesting 337 00:12:51,184 --> 00:12:52,565 that when we 338 00:12:53,024 --> 00:12:55,125 share our vulner vulnerabilities 339 00:12:56,304 --> 00:12:56,804 with 340 00:12:57,184 --> 00:12:57,684 clients 341 00:12:58,225 --> 00:12:58,725 that, 342 00:13:00,480 --> 00:13:02,320 you know, it it's almost the opposite of 343 00:13:02,320 --> 00:13:04,320 what you would expect. Right? It's like we 344 00:13:04,320 --> 00:13:07,220 don't wanna share that we have weaknesses because 345 00:13:08,480 --> 00:13:11,299 we want people to have confidence in us. 346 00:13:11,360 --> 00:13:13,759 But when we admit, like, hey, I don't 347 00:13:13,759 --> 00:13:15,924 have all the answers. Like, I can I 348 00:13:15,924 --> 00:13:18,325 can find them, but I might not have 349 00:13:18,325 --> 00:13:19,304 them right now, 350 00:13:19,924 --> 00:13:21,625 and I make mistakes too, 351 00:13:22,084 --> 00:13:22,584 that 352 00:13:23,365 --> 00:13:26,804 that actually endears them to us and says, 353 00:13:26,804 --> 00:13:28,264 oh, okay? Like, you're 354 00:13:29,000 --> 00:13:31,080 you're not above me. You're we're in this 355 00:13:31,080 --> 00:13:31,580 together. 356 00:13:32,440 --> 00:13:34,600 Yeah. I had this mantra running in my 357 00:13:34,600 --> 00:13:36,379 head during that period of time 358 00:13:36,919 --> 00:13:39,080 that was, like, all of the things that 359 00:13:39,080 --> 00:13:41,419 make me not a fit for the financial 360 00:13:41,639 --> 00:13:42,139 industry 361 00:13:42,714 --> 00:13:44,794 is actually what make me perfect for the 362 00:13:44,794 --> 00:13:47,434 financial industry. Like, I don't fit in. I 363 00:13:47,434 --> 00:13:49,914 have a totally different voice. Right? Like, just 364 00:13:49,914 --> 00:13:51,914 all of these things. And so when I 365 00:13:51,914 --> 00:13:53,534 leaned into my differences, 366 00:13:53,835 --> 00:13:55,294 embraced my vulnerability, 367 00:13:56,000 --> 00:13:58,159 and just really connected with the clients and 368 00:13:58,159 --> 00:14:00,019 our team members as humans, 369 00:14:00,799 --> 00:14:02,799 that was when I started to really, like, 370 00:14:02,799 --> 00:14:03,779 find my stride. 371 00:14:05,759 --> 00:14:06,259 Yeah. 372 00:14:06,959 --> 00:14:10,425 I love that. Well, let's talk about the 373 00:14:10,725 --> 00:14:11,225 outdated 374 00:14:12,085 --> 00:14:12,585 narratives 375 00:14:13,045 --> 00:14:15,545 about money, especially as they relate to women. 376 00:14:15,925 --> 00:14:17,764 Is there one or two that you feel 377 00:14:17,764 --> 00:14:18,665 are particularly 378 00:14:19,125 --> 00:14:20,825 harmful to women? And 379 00:14:21,360 --> 00:14:24,659 what's what what's a new narrative that we 380 00:14:24,799 --> 00:14:25,620 should adopt? 381 00:14:26,240 --> 00:14:28,799 Yeah. So there's really just one that screams 382 00:14:28,799 --> 00:14:31,120 at me because just like women are are 383 00:14:31,120 --> 00:14:33,120 told that, oh, well, women aren't good at 384 00:14:33,120 --> 00:14:33,620 math, 385 00:14:34,184 --> 00:14:35,865 women are also told that we're not good 386 00:14:35,865 --> 00:14:38,024 with money. And the truth of the matter 387 00:14:38,024 --> 00:14:39,625 is it's not that we're not good with 388 00:14:39,625 --> 00:14:42,424 money. It's that we're new at money. So 389 00:14:42,424 --> 00:14:44,105 a lot of people don't realize that we, 390 00:14:44,105 --> 00:14:46,365 as women, we didn't even have the right 391 00:14:46,929 --> 00:14:47,990 to handle money, 392 00:14:48,290 --> 00:14:50,929 to have our own bank accounts, to sign 393 00:14:50,929 --> 00:14:51,990 for home mortgages 394 00:14:52,290 --> 00:14:54,790 on our own until the sixties. 395 00:14:55,330 --> 00:14:58,230 Right? Not the thirties. The sixties. 396 00:14:58,610 --> 00:14:59,410 Okay? So 397 00:15:00,195 --> 00:15:02,434 and even still, a lot of women are 398 00:15:02,434 --> 00:15:03,174 not exposed. 399 00:15:03,554 --> 00:15:06,215 Right? If you're not invited into the financial 400 00:15:06,355 --> 00:15:08,915 conversation or if you don't fight to be 401 00:15:08,915 --> 00:15:10,774 a part of the financial conversation, 402 00:15:11,554 --> 00:15:13,795 most likely you're not gonna learn. Right? And 403 00:15:13,795 --> 00:15:15,415 you're not gonna build that confidence. 404 00:15:15,899 --> 00:15:17,820 And so you have to either have a 405 00:15:17,820 --> 00:15:19,899 husband like mine who was like, no. You're 406 00:15:19,899 --> 00:15:22,000 gonna sit down. We're gonna do this together. 407 00:15:22,300 --> 00:15:23,980 Or you have to be someone who has 408 00:15:23,980 --> 00:15:27,019 that hunger and desire. But the gap between 409 00:15:27,019 --> 00:15:28,720 those two is large. 410 00:15:31,074 --> 00:15:31,735 It is. 411 00:15:33,554 --> 00:15:36,375 You know, I I did a a podcast 412 00:15:36,434 --> 00:15:37,815 episode some time ago 413 00:15:38,434 --> 00:15:39,495 on girl math, 414 00:15:40,274 --> 00:15:41,954 and I talked about 415 00:15:43,409 --> 00:15:45,009 you're laughing because you know what this is. 416 00:15:45,009 --> 00:15:47,089 Right? I know exactly. But, you know, it's 417 00:15:47,089 --> 00:15:49,830 kinda like the the cutesy things that, 418 00:15:50,610 --> 00:15:52,610 that that women say about money that are 419 00:15:52,610 --> 00:15:53,110 actually 420 00:15:53,649 --> 00:15:55,190 quite damaging. And 421 00:15:55,584 --> 00:15:57,664 as I was preparing for that episode and 422 00:15:57,664 --> 00:15:59,904 really digging into the stats about women and 423 00:15:59,904 --> 00:16:02,404 money, you know, I I am a solid 424 00:16:02,464 --> 00:16:04,804 Gen Xer. I was born in '73. 425 00:16:05,024 --> 00:16:07,044 And as I was doing research, 426 00:16:09,009 --> 00:16:11,809 yeah, us resilient Gen Xers. Right? Yeah. 427 00:16:13,009 --> 00:16:15,570 I was I was doing research, and what 428 00:16:15,570 --> 00:16:17,190 I was hoping to find 429 00:16:17,649 --> 00:16:18,389 is that 430 00:16:19,409 --> 00:16:21,350 millennials and Gen Z women 431 00:16:22,965 --> 00:16:25,384 were more financially literate 432 00:16:25,764 --> 00:16:27,945 and more financially proactive, 433 00:16:28,644 --> 00:16:30,985 and I was actually not finding that, 434 00:16:31,764 --> 00:16:33,065 which to me was 435 00:16:33,924 --> 00:16:34,424 disheartening 436 00:16:35,045 --> 00:16:35,545 because, 437 00:16:36,460 --> 00:16:38,460 you know, to me, it's like I know 438 00:16:38,460 --> 00:16:38,960 that 439 00:16:39,500 --> 00:16:40,000 having 440 00:16:40,460 --> 00:16:42,000 power over your finances 441 00:16:42,539 --> 00:16:43,039 is 442 00:16:43,340 --> 00:16:47,120 a very important part of having personal power. 443 00:16:47,500 --> 00:16:48,000 Yeah. 444 00:16:48,955 --> 00:16:51,274 And so I am right there with you 445 00:16:51,274 --> 00:16:51,774 that, 446 00:16:52,794 --> 00:16:55,835 you know, it doesn't matter what your past 447 00:16:55,835 --> 00:16:57,534 is if you haven't been involved. 448 00:16:57,995 --> 00:17:00,235 Yeah. It's it's time to start. It's time 449 00:17:00,235 --> 00:17:01,934 to start now. Financial literacy 450 00:17:02,714 --> 00:17:03,214 is 451 00:17:03,690 --> 00:17:04,750 not an inborn 452 00:17:05,210 --> 00:17:08,190 ability. It's not a talent. Right? This is 453 00:17:08,410 --> 00:17:11,230 something that we can learn on purpose. 454 00:17:12,009 --> 00:17:14,329 And it's a journey. I wanna make sure 455 00:17:14,329 --> 00:17:15,914 that we bring forth this, 456 00:17:16,394 --> 00:17:17,535 well, actually dispel 457 00:17:17,914 --> 00:17:18,734 this idea 458 00:17:19,035 --> 00:17:21,035 that, like, you learn it and that's it. 459 00:17:21,035 --> 00:17:22,715 And, like, the rest of the time, you're 460 00:17:22,795 --> 00:17:26,075 everything's peachy keen because it's not. That's total 461 00:17:26,075 --> 00:17:29,835 BS. Right? I've been having financial concepts pounded 462 00:17:29,835 --> 00:17:31,775 into me throughout my entire marriage. 463 00:17:32,130 --> 00:17:33,410 I was I've been a part of the 464 00:17:33,410 --> 00:17:36,390 financial industry now for over twenty years, 465 00:17:36,769 --> 00:17:37,829 and still, 466 00:17:38,690 --> 00:17:41,809 I have tendency to to be challenged by 467 00:17:41,809 --> 00:17:44,450 certain things because a lot of times we 468 00:17:44,450 --> 00:17:47,109 know information. And even when we know, 469 00:17:47,434 --> 00:17:50,234 we're not always applying those things. Why? Because 470 00:17:50,234 --> 00:17:51,294 money is emotional, 471 00:17:51,835 --> 00:17:54,154 and there's gonna be certain times where we're 472 00:17:54,154 --> 00:17:56,654 gonna be spending and having these compulsions 473 00:17:57,755 --> 00:18:00,315 without even understanding or knowing that we're doing 474 00:18:00,315 --> 00:18:00,569 it. 475 00:18:01,130 --> 00:18:03,789 So even myself, as someone who's a financial 476 00:18:04,169 --> 00:18:04,669 professional, 477 00:18:05,450 --> 00:18:07,369 I have highs and lows with money, and 478 00:18:07,369 --> 00:18:09,529 that's where I had to just be I 479 00:18:09,529 --> 00:18:12,089 had to become very resolved to the fact 480 00:18:12,089 --> 00:18:13,630 that money is not fixed, 481 00:18:14,035 --> 00:18:16,674 that it's fluid, and that it's meant to 482 00:18:16,674 --> 00:18:19,315 be regenerated. It goes in, it comes out, 483 00:18:19,315 --> 00:18:21,555 it comes in, it goes out, just like 484 00:18:21,555 --> 00:18:23,875 the ocean. And so when I was able 485 00:18:23,875 --> 00:18:25,734 to detach my identity 486 00:18:26,835 --> 00:18:27,575 from money 487 00:18:28,630 --> 00:18:31,109 and really start thinking about money as a 488 00:18:31,109 --> 00:18:33,990 tool instead of something that defines me or 489 00:18:33,990 --> 00:18:35,609 makes me smart or whatever 490 00:18:35,990 --> 00:18:38,089 story you've wrapped around that money, 491 00:18:38,470 --> 00:18:40,890 my life became much more abundant. 492 00:18:41,414 --> 00:18:44,055 Right? Because now I can embrace whichever part 493 00:18:44,055 --> 00:18:45,515 of the flow I'm in 494 00:18:45,815 --> 00:18:47,755 and then re re, 495 00:18:48,615 --> 00:18:52,134 like, refocus and course correct when needed. Like, 496 00:18:52,134 --> 00:18:54,235 I have the awareness and the knowledge. 497 00:18:55,089 --> 00:18:56,769 And so when I get off track, I 498 00:18:56,769 --> 00:18:59,250 can get myself back on track. And I 499 00:18:59,250 --> 00:19:01,909 just think that's a very important message specifically 500 00:19:01,970 --> 00:19:04,289 for us as women to hear because we're 501 00:19:04,289 --> 00:19:06,369 so hard on ourselves. We're expected to be 502 00:19:06,369 --> 00:19:07,509 perfect at everything, 503 00:19:08,025 --> 00:19:09,484 all the time. 504 00:19:10,265 --> 00:19:13,404 Dare to enter the Wealthy Woman Book Club, 505 00:19:13,625 --> 00:19:16,765 where answers exist to forbidden questions, 506 00:19:17,305 --> 00:19:19,965 where women of all ages and income 507 00:19:20,389 --> 00:19:21,450 secretly gather, 508 00:19:22,309 --> 00:19:23,849 where knowledge is shared, 509 00:19:24,309 --> 00:19:25,210 where possibilities 510 00:19:25,589 --> 00:19:26,329 are explored, 511 00:19:26,789 --> 00:19:29,130 where women claim their power. 512 00:19:30,149 --> 00:19:32,789 Dare to stay a spell in the Wealthy 513 00:19:32,789 --> 00:19:34,009 Woman Book Club. 514 00:19:34,444 --> 00:19:37,105 In this place, we lift each other up. 515 00:19:37,565 --> 00:19:40,704 In this place, we start dreaming again. 516 00:19:41,085 --> 00:19:42,065 In this place, 517 00:19:42,365 --> 00:19:43,585 we see financial 518 00:19:43,884 --> 00:19:44,384 miracles. 519 00:19:45,164 --> 00:19:46,224 In this place, 520 00:19:46,740 --> 00:19:48,599 we grow through the glory 521 00:19:49,059 --> 00:19:50,039 and the failure. 522 00:19:50,740 --> 00:19:51,720 In this place, 523 00:19:52,420 --> 00:19:55,160 we step into a new identity. 524 00:19:56,500 --> 00:19:59,805 Dare to champion the Wealthy Woman Book Club. 525 00:20:00,285 --> 00:20:03,025 We're creating a future where women are financially 526 00:20:03,404 --> 00:20:05,265 empowered across the globe. 527 00:20:05,884 --> 00:20:08,384 We're creating a future where our daughters 528 00:20:08,684 --> 00:20:12,065 stand on equal financial footing with our sons. 529 00:20:13,070 --> 00:20:16,190 We're creating a future where we purchase without 530 00:20:16,190 --> 00:20:16,690 principles 531 00:20:17,309 --> 00:20:18,930 rather than price tags. 532 00:20:19,710 --> 00:20:22,670 We're creating a future where we use the 533 00:20:22,670 --> 00:20:25,490 power of money for the benefit of people 534 00:20:25,774 --> 00:20:26,674 and the planet. 535 00:20:27,534 --> 00:20:28,034 Welcome 536 00:20:28,414 --> 00:20:30,434 to the Wealthy Woman Book Club. 537 00:20:31,214 --> 00:20:32,994 Dare to come in, woman. 538 00:20:33,855 --> 00:20:34,674 Come in. 539 00:20:35,294 --> 00:20:38,994 Join us at wealthywomanbookclub.com. 540 00:20:43,259 --> 00:20:47,039 Yeah. Yes. Yeah. It is a journey. And, 541 00:20:47,500 --> 00:20:48,799 you know, as you 542 00:20:49,259 --> 00:20:50,960 as you do better financially, 543 00:20:52,220 --> 00:20:52,960 there are 544 00:20:53,585 --> 00:20:55,505 new things that you have to deal with. 545 00:20:55,505 --> 00:20:57,204 You know? And I like to say 546 00:20:58,065 --> 00:20:59,585 I don't like to say more money, more 547 00:20:59,585 --> 00:21:01,825 problems. I like to say more money, better 548 00:21:01,825 --> 00:21:04,464 problems, but there still are things that you 549 00:21:04,464 --> 00:21:05,125 have to 550 00:21:05,440 --> 00:21:07,039 deal with and things that you have to 551 00:21:07,039 --> 00:21:07,539 learn 552 00:21:08,000 --> 00:21:10,580 as your wealth grows. It's this, 553 00:21:10,960 --> 00:21:12,480 you know, this like you said, it's like 554 00:21:12,480 --> 00:21:14,559 a never ending process. It's like your physical 555 00:21:14,559 --> 00:21:17,059 health. We don't just standing. 556 00:21:17,440 --> 00:21:19,220 Eat healthy, and then we're done. 557 00:21:19,845 --> 00:21:20,345 Exactly. 558 00:21:20,804 --> 00:21:23,545 There's no quick fix. And as your finances 559 00:21:23,684 --> 00:21:25,464 grow, like you said, your responsibilities 560 00:21:25,924 --> 00:21:27,545 grow, people's expectations 561 00:21:28,005 --> 00:21:31,285 grow, taxes grow, all of these things happen. 562 00:21:31,285 --> 00:21:33,380 So you really have to expand 563 00:21:33,920 --> 00:21:36,019 on so many levels, like mentally, 564 00:21:36,320 --> 00:21:36,820 emotionally, 565 00:21:37,440 --> 00:21:40,400 your financial education and savvy. Everything has to 566 00:21:40,400 --> 00:21:42,880 expand. And guess what? If you expand too 567 00:21:42,880 --> 00:21:46,095 quickly, if your finances expand too quickly, sometimes 568 00:21:46,095 --> 00:21:48,494 you'll get knocked back down, which again, is 569 00:21:48,494 --> 00:21:49,714 why money is cyclical 570 00:21:50,015 --> 00:21:51,394 and goes up and down. 571 00:21:52,815 --> 00:21:53,315 Yes. 572 00:21:53,775 --> 00:21:56,335 Yeah. Well, I love your analogy that it's 573 00:21:56,335 --> 00:21:57,315 like the tide. 574 00:21:58,390 --> 00:22:00,569 And that's something that I especially 575 00:22:01,109 --> 00:22:02,089 say to my 576 00:22:02,789 --> 00:22:03,849 business owning 577 00:22:04,309 --> 00:22:05,450 clients and friends, 578 00:22:06,470 --> 00:22:06,970 because 579 00:22:07,829 --> 00:22:10,809 we can't control other people. We can't control 580 00:22:10,869 --> 00:22:13,424 when people buy from us, when they invest 581 00:22:13,424 --> 00:22:15,044 in us. And I said, but, 582 00:22:15,424 --> 00:22:16,085 you know, 583 00:22:16,544 --> 00:22:18,565 here's the thing that I have faith in. 584 00:22:18,784 --> 00:22:19,284 The 585 00:22:20,144 --> 00:22:22,304 it might be low tide now, but high 586 00:22:22,304 --> 00:22:23,284 tide is coming. 587 00:22:23,585 --> 00:22:26,005 I might not know exactly when it's coming, 588 00:22:26,240 --> 00:22:28,880 but it always comes. It always When I 589 00:22:28,880 --> 00:22:30,099 look back over 590 00:22:30,960 --> 00:22:33,140 you know, I've been full time in business 591 00:22:33,200 --> 00:22:34,099 now for 592 00:22:35,279 --> 00:22:36,259 thirteen years. 593 00:22:36,799 --> 00:22:38,960 And, you know, when I look back at 594 00:22:38,960 --> 00:22:40,019 that, it's like, 595 00:22:40,734 --> 00:22:42,575 you know, there have been times where the 596 00:22:42,575 --> 00:22:44,815 low tide has lasted longer than I would 597 00:22:44,815 --> 00:22:46,974 have wanted. But I think sometimes we get 598 00:22:46,974 --> 00:22:48,595 so fixated on 599 00:22:49,054 --> 00:22:49,875 what's happening 600 00:22:50,335 --> 00:22:51,794 this week, this month, 601 00:22:52,414 --> 00:22:54,194 and we can get into that 602 00:22:54,679 --> 00:22:57,400 that scarcity mentality, and our emotions can certainly 603 00:22:57,400 --> 00:22:58,539 get the best of us. 604 00:22:59,079 --> 00:23:01,240 Yeah. And you really can apply that to 605 00:23:01,240 --> 00:23:04,759 every area of your life. So my anatomy 606 00:23:04,759 --> 00:23:08,460 of abundance framework was born from this conversation 607 00:23:09,255 --> 00:23:09,755 because 608 00:23:10,055 --> 00:23:12,775 you have the financial conversation where there's high 609 00:23:12,775 --> 00:23:15,575 tides and low tides. In your motherhood journey, 610 00:23:15,575 --> 00:23:17,974 there's high tides and low tides. In your 611 00:23:17,974 --> 00:23:18,474 relationship 612 00:23:18,775 --> 00:23:20,875 journey, there's high tides and low tides. 613 00:23:21,230 --> 00:23:23,470 But what can't have high tides and low 614 00:23:23,470 --> 00:23:25,650 tides is our relationship with ourself. 615 00:23:26,029 --> 00:23:28,450 Right? We need to know who we are, 616 00:23:29,309 --> 00:23:31,089 stand strong in who we are, 617 00:23:31,950 --> 00:23:34,589 design our life around who we are, not 618 00:23:34,589 --> 00:23:37,125 who we've been told to be. Right? And 619 00:23:37,204 --> 00:23:39,125 And that's the foundation of the anatomy of 620 00:23:39,125 --> 00:23:41,204 abundance framework is once you know who you 621 00:23:41,204 --> 00:23:42,505 are, you identify, 622 00:23:43,045 --> 00:23:44,984 which is step two, the disempowering 623 00:23:45,285 --> 00:23:45,785 narratives, 624 00:23:46,164 --> 00:23:48,964 language, people that are in your life that 625 00:23:48,964 --> 00:23:51,204 are keeping you from living as who you 626 00:23:51,204 --> 00:23:51,704 are. 627 00:23:52,519 --> 00:23:54,220 The third step is to practice 628 00:23:54,679 --> 00:23:57,559 sacred self care is treating yourself as if 629 00:23:57,559 --> 00:23:59,819 you are the divine and fiercely 630 00:24:00,440 --> 00:24:02,679 guarding your energy, your mind, your body, your 631 00:24:02,679 --> 00:24:05,179 soul, all of it, creating those boundaries. 632 00:24:05,695 --> 00:24:07,615 And then once you've done that, that's the 633 00:24:07,615 --> 00:24:10,035 foundation for which you build your life. 634 00:24:10,335 --> 00:24:12,195 So then you can go to step four, 635 00:24:12,255 --> 00:24:12,755 declare. 636 00:24:13,295 --> 00:24:15,634 Start telling people, this is who I am. 637 00:24:15,695 --> 00:24:17,535 This is who I'm not. This is what 638 00:24:17,535 --> 00:24:19,375 I will and won't put up with. Right? 639 00:24:19,375 --> 00:24:20,835 And make those shifts. 640 00:24:21,309 --> 00:24:23,090 And then organize. 641 00:24:23,630 --> 00:24:25,730 Organize your life to support 642 00:24:26,190 --> 00:24:28,269 the truth of who you are and what 643 00:24:28,269 --> 00:24:30,349 it is that you're looking to create. So 644 00:24:30,349 --> 00:24:32,670 that could be time management. That could be 645 00:24:32,670 --> 00:24:35,309 certain systems in your business or your personal 646 00:24:35,309 --> 00:24:37,305 life that keep you thriving. 647 00:24:37,765 --> 00:24:40,025 So organization is very important. 648 00:24:40,404 --> 00:24:42,164 And then the last step of the system 649 00:24:42,164 --> 00:24:44,105 is move. Move into action 650 00:24:44,565 --> 00:24:45,465 with accountability, 651 00:24:46,085 --> 00:24:48,744 right, loving accountability and support. 652 00:24:49,339 --> 00:24:51,580 And so if you combine those six steps 653 00:24:51,580 --> 00:24:54,220 of, this system and you live that it's 654 00:24:54,220 --> 00:24:56,080 a living, breathing framework, 655 00:24:56,700 --> 00:24:58,480 your life will completely change. 656 00:25:00,140 --> 00:25:02,904 Yeah. Well, and I've got your book right 657 00:25:02,904 --> 00:25:03,404 here, 658 00:25:03,865 --> 00:25:06,664 Anatomy of Abundance, and we will have it 659 00:25:06,664 --> 00:25:09,465 all linked up into into the show notes. 660 00:25:09,465 --> 00:25:10,184 So if that, 661 00:25:10,984 --> 00:25:14,025 that framework intrigues you, be sure to grab 662 00:25:14,025 --> 00:25:14,605 a copy 663 00:25:14,904 --> 00:25:16,365 of Katrina's book. 664 00:25:17,779 --> 00:25:19,700 Yeah. What would you say to the woman 665 00:25:19,700 --> 00:25:22,419 listening who is not involved in the final 666 00:25:22,579 --> 00:25:23,559 family finances 667 00:25:24,179 --> 00:25:26,659 at all? I've I'd I've got some friends 668 00:25:26,659 --> 00:25:29,140 and acquaintances who are like, you know what? 669 00:25:29,140 --> 00:25:31,399 My husband's great at this. He's an excellent 670 00:25:31,460 --> 00:25:31,960 provider. 671 00:25:32,835 --> 00:25:33,815 I trust him. 672 00:25:35,234 --> 00:25:37,394 I don't need to worry about this. And 673 00:25:37,794 --> 00:25:40,054 Yes. You know, part of me is like, 674 00:25:40,355 --> 00:25:41,174 that's awesome, 675 00:25:41,554 --> 00:25:43,174 but the other part of me 676 00:25:43,554 --> 00:25:45,494 has sirens going off. 677 00:25:45,990 --> 00:25:46,490 Right. 678 00:25:46,789 --> 00:25:48,869 Well, I will say a couple of things. 679 00:25:48,869 --> 00:25:51,029 I will say, first off, that there is 680 00:25:51,029 --> 00:25:51,529 something 681 00:25:52,230 --> 00:25:53,930 called financial abuse 682 00:25:54,710 --> 00:25:56,490 that a lot of women are experiencing 683 00:25:56,789 --> 00:25:58,970 and don't recognize that they're experiencing. 684 00:25:59,894 --> 00:26:03,335 And that is control through finance, keeping you 685 00:26:03,335 --> 00:26:04,775 in the dark. Like, that can look a 686 00:26:04,775 --> 00:26:06,295 lot of ways. I'm not going to go 687 00:26:06,295 --> 00:26:08,615 down the rabbit hole of that. But look 688 00:26:08,615 --> 00:26:11,595 up financial abuse and see if you identify 689 00:26:11,734 --> 00:26:13,755 with any of those telltale signs. 690 00:26:14,149 --> 00:26:15,849 The second part of that is 691 00:26:16,630 --> 00:26:18,329 I don't want to ever 692 00:26:20,789 --> 00:26:22,490 invite people into scarcity. 693 00:26:23,029 --> 00:26:24,809 Right? So when we say 694 00:26:25,190 --> 00:26:27,349 that it's a really great idea to be 695 00:26:27,349 --> 00:26:30,484 involved in finance and and to, you know, 696 00:26:30,484 --> 00:26:32,105 include yourself in financial 697 00:26:32,565 --> 00:26:33,944 conversations with your household. 698 00:26:34,244 --> 00:26:36,105 It's not from a place of scarcity. 699 00:26:36,724 --> 00:26:38,265 It's from a place of abundance. 700 00:26:38,644 --> 00:26:41,125 It's abundance in the sense that no matter 701 00:26:41,125 --> 00:26:41,944 what happens 702 00:26:42,404 --> 00:26:44,184 with our finances, our relationship, 703 00:26:44,910 --> 00:26:45,410 whatever, 704 00:26:45,869 --> 00:26:48,109 I'm gonna be okay. And what that does 705 00:26:48,109 --> 00:26:49,490 is it creates confidence. 706 00:26:50,190 --> 00:26:52,609 So I think that that is a factor 707 00:26:52,750 --> 00:26:56,029 knowing and being able to step in in 708 00:26:56,029 --> 00:26:56,769 the event 709 00:26:57,150 --> 00:26:59,470 that you needed to, not because he died 710 00:26:59,470 --> 00:27:02,255 like mine, but maybe your husband gets sick 711 00:27:02,255 --> 00:27:04,755 or or your partner, your wife gets sick, 712 00:27:04,894 --> 00:27:06,035 right, or anything. 713 00:27:07,134 --> 00:27:09,615 And knowing where things are, something as simple 714 00:27:09,615 --> 00:27:11,694 as knowing where the spreadsheet and all the 715 00:27:11,694 --> 00:27:12,914 information is. 716 00:27:13,454 --> 00:27:15,075 But the second part of that 717 00:27:15,660 --> 00:27:17,360 is just for your own enrichment. 718 00:27:18,140 --> 00:27:21,580 There is something that happens within you when 719 00:27:21,580 --> 00:27:25,259 you start to empower yourself financially. And even 720 00:27:25,259 --> 00:27:27,660 if you don't utilize it, just understanding and 721 00:27:27,660 --> 00:27:29,580 being able to be a part of these 722 00:27:29,580 --> 00:27:30,080 conversations. 723 00:27:30,815 --> 00:27:33,375 And so I'm constantly finding new ways to 724 00:27:33,375 --> 00:27:34,355 challenge myself. 725 00:27:34,815 --> 00:27:38,255 I've actually stepped back from the activity, the 726 00:27:38,255 --> 00:27:39,474 active portion 727 00:27:40,015 --> 00:27:42,414 of my financial business, and I've allowed my 728 00:27:42,414 --> 00:27:43,795 team to take that over 729 00:27:44,170 --> 00:27:46,329 because I wanted to make a pivot and 730 00:27:46,329 --> 00:27:49,609 start learning about real estate investing. Right? It's 731 00:27:49,609 --> 00:27:53,210 like another level of financial security and wealth 732 00:27:53,210 --> 00:27:54,269 building and legacy. 733 00:27:54,809 --> 00:27:56,890 And so that's been so fun for me. 734 00:27:56,890 --> 00:27:58,970 It's actually a very new pivot just from 735 00:27:58,970 --> 00:28:00,005 last year November. 736 00:28:00,545 --> 00:28:03,424 And, I've always done residential investing, but I've 737 00:28:03,424 --> 00:28:06,065 never done, like, commercial or any of that 738 00:28:06,065 --> 00:28:08,704 kind of stuff. And it's it's created this 739 00:28:08,704 --> 00:28:09,684 new, like, 740 00:28:10,144 --> 00:28:12,539 oh, pep in my step. So if nothing 741 00:28:12,539 --> 00:28:13,039 else, 742 00:28:13,339 --> 00:28:15,500 that's a great reason for you to start 743 00:28:15,500 --> 00:28:19,339 involving yourself in financial conversations and just becoming 744 00:28:19,339 --> 00:28:19,740 more, 745 00:28:20,539 --> 00:28:22,460 savvy in the language because it is a 746 00:28:22,460 --> 00:28:22,960 language. 747 00:28:24,644 --> 00:28:27,045 Yeah. Yeah. For sure. And, you know, that's 748 00:28:27,045 --> 00:28:28,505 one of the reasons why 749 00:28:28,805 --> 00:28:30,965 I started the Wealthy Woman Book Club is 750 00:28:30,965 --> 00:28:33,545 so that women would have a safe place 751 00:28:33,765 --> 00:28:34,265 to 752 00:28:34,724 --> 00:28:36,984 learn about money and have these discussions 753 00:28:38,039 --> 00:28:40,039 where they knew, you know, they they weren't 754 00:28:40,039 --> 00:28:42,600 gonna be shamed for their lack of knowledge. 755 00:28:42,600 --> 00:28:44,539 There's there's no stupid questions. 756 00:28:45,480 --> 00:28:46,700 And it's just been 757 00:28:47,320 --> 00:28:49,019 so wonderful to see 758 00:28:49,640 --> 00:28:50,380 the women, 759 00:28:50,934 --> 00:28:52,234 you know, not just 760 00:28:52,775 --> 00:28:55,335 taking advice from me, but taking advice from 761 00:28:55,335 --> 00:28:57,894 each other, learning from each other, connecting with 762 00:28:57,894 --> 00:28:58,634 each other. 763 00:28:59,494 --> 00:29:01,835 It's it's just been such a beautiful thing 764 00:29:02,375 --> 00:29:04,055 to see. I think the best way to 765 00:29:04,055 --> 00:29:06,279 learn is just be around a bunch of 766 00:29:06,279 --> 00:29:07,740 very, very smart people. 767 00:29:08,039 --> 00:29:10,220 And so the space you've created is wonderful 768 00:29:10,359 --> 00:29:13,080 because as they're learning, you're learning. You're gonna 769 00:29:13,080 --> 00:29:15,420 have people from with different levels of competency 770 00:29:15,720 --> 00:29:16,380 in there. 771 00:29:16,680 --> 00:29:18,759 And, I think that's amazing. That's what we 772 00:29:18,759 --> 00:29:20,700 need. That's how we learn as women, 773 00:29:21,015 --> 00:29:21,515 truly. 774 00:29:22,134 --> 00:29:22,634 Yeah. 775 00:29:23,174 --> 00:29:25,434 Well and I I tell people, I'm like, 776 00:29:25,494 --> 00:29:27,414 I'm I'm not just the leader of this 777 00:29:27,414 --> 00:29:28,795 group. I'm I'm a member. 778 00:29:29,255 --> 00:29:31,095 Yeah. You know? I I share my ups 779 00:29:31,095 --> 00:29:33,255 and downs. Like, they know more about my 780 00:29:33,255 --> 00:29:33,755 finances 781 00:29:34,055 --> 00:29:36,940 than anybody else does out outside of my 782 00:29:36,940 --> 00:29:40,000 immediate household. You know? Like, we are very 783 00:29:40,940 --> 00:29:43,900 financially transparent with each other, and, you know, 784 00:29:43,900 --> 00:29:45,660 it's just like I'm like, I'm right here 785 00:29:45,660 --> 00:29:47,580 in the trenches with you guys. It's like, 786 00:29:47,580 --> 00:29:50,115 yes. I might have a level of success 787 00:29:50,174 --> 00:29:51,694 here, here, and here, but I I still 788 00:29:51,694 --> 00:29:53,315 struggle with things. And, 789 00:29:54,335 --> 00:29:56,255 I think that's also refreshing for them to 790 00:29:56,255 --> 00:29:58,035 know, like, you know 791 00:29:58,494 --> 00:30:00,335 Yeah. It's not like you get to this 792 00:30:00,335 --> 00:30:02,950 level and everything is perfect and you you've 793 00:30:02,950 --> 00:30:04,789 got it all figured out. That's that's not 794 00:30:04,789 --> 00:30:05,529 how it works. 795 00:30:05,910 --> 00:30:08,309 Yeah. You never really fully arrive. And we 796 00:30:08,309 --> 00:30:10,070 see this all the time with people who 797 00:30:10,070 --> 00:30:12,630 build up, you know, ridiculous amounts of wealth 798 00:30:12,630 --> 00:30:14,730 and then lose it all. Like, things happen. 799 00:30:15,830 --> 00:30:16,890 Mhmm. Yeah. 800 00:30:17,474 --> 00:30:20,194 Yeah. Well, and speaking of collaboration, one of 801 00:30:20,194 --> 00:30:22,674 the things I admire about you is that 802 00:30:22,674 --> 00:30:23,894 you are a collaborator. 803 00:30:24,275 --> 00:30:26,615 I love how you bring a diverse 804 00:30:26,994 --> 00:30:30,295 group of women leaders together to co facilitate 805 00:30:30,434 --> 00:30:31,894 your retreats. And 806 00:30:32,200 --> 00:30:33,880 even in the writing of your book, you 807 00:30:33,880 --> 00:30:34,680 brought together 808 00:30:35,160 --> 00:30:37,720 Yeah. Experts to write the book. So tell 809 00:30:37,720 --> 00:30:39,420 us about that. How did you, 810 00:30:40,039 --> 00:30:41,640 you know, how did you get into this 811 00:30:41,640 --> 00:30:44,440 collaborative approach versus, hey. It's just me, the 812 00:30:44,440 --> 00:30:46,035 expert, telling you what to do? 813 00:30:46,674 --> 00:30:48,695 Yeah. I have a a very 814 00:30:49,474 --> 00:30:51,894 amazing gift of attracting wonderful, 815 00:30:52,434 --> 00:30:52,934 intelligent, 816 00:30:53,875 --> 00:30:56,835 savvy, successful people. That's, like, the bottom line. 817 00:30:56,835 --> 00:30:59,400 They're just drawn to me. Right? And, 818 00:31:00,019 --> 00:31:02,279 with that, as I build relationships, 819 00:31:02,660 --> 00:31:05,160 I just am also very good at identifying, 820 00:31:05,380 --> 00:31:08,420 like, oh, here's the gap for this person. 821 00:31:08,420 --> 00:31:10,660 They need to meet this person. And I 822 00:31:10,660 --> 00:31:12,259 used to do a lot of, like, one 823 00:31:12,259 --> 00:31:13,240 on one connecting 824 00:31:13,539 --> 00:31:15,914 all the time, which, by the way, creates 825 00:31:15,914 --> 00:31:16,815 a lot of credibility 826 00:31:17,194 --> 00:31:19,355 in your market and makes you a sought 827 00:31:19,355 --> 00:31:21,914 after leader. So that's just a little side 828 00:31:21,914 --> 00:31:22,414 tip. 829 00:31:23,755 --> 00:31:25,755 But I wanted to do bigger projects, and 830 00:31:25,755 --> 00:31:28,075 quite honestly, I just started to feel lonely 831 00:31:28,075 --> 00:31:30,500 doing everything by myself. I'm like, you know, 832 00:31:30,500 --> 00:31:32,339 this would be so much more fun if 833 00:31:32,339 --> 00:31:34,019 I brought in two or three people to 834 00:31:34,019 --> 00:31:36,179 help collaborate on this. And I have a 835 00:31:36,179 --> 00:31:39,460 very deep commitment also to diversity, not just 836 00:31:39,460 --> 00:31:40,679 diversity and culture, 837 00:31:40,980 --> 00:31:42,440 but diversity and voice. 838 00:31:43,035 --> 00:31:45,355 Right? And so with a book like Anatomy 839 00:31:45,355 --> 00:31:47,775 of Abundance, yes, it's my framework, 840 00:31:48,154 --> 00:31:51,215 but let's get someone who's very, like, analytical 841 00:31:51,434 --> 00:31:53,835 and a type and hear their perspective and 842 00:31:53,835 --> 00:31:54,654 their statistics. 843 00:31:55,039 --> 00:31:57,440 And let's get someone who's super spiritual and 844 00:31:57,440 --> 00:31:59,779 woo woo and hear theirs their perspectives. 845 00:32:00,079 --> 00:32:03,119 Right? And so and everything in between. So 846 00:32:03,119 --> 00:32:05,839 the more voices that you have contributing to 847 00:32:05,839 --> 00:32:07,539 a concept or a framework 848 00:32:07,919 --> 00:32:08,740 or a retreat, 849 00:32:09,359 --> 00:32:10,419 the more 850 00:32:11,044 --> 00:32:13,684 enriching it is. And it's gonna connect with 851 00:32:13,684 --> 00:32:16,025 everyone just like we all learn differently, 852 00:32:16,484 --> 00:32:19,444 and we experience things differently. So it gives 853 00:32:19,444 --> 00:32:21,684 an opportunity for no matter who you are 854 00:32:21,684 --> 00:32:24,184 and what your background, you're gonna have somebody 855 00:32:24,325 --> 00:32:25,625 within that project 856 00:32:26,039 --> 00:32:28,039 that you connect with and go, okay. If 857 00:32:28,039 --> 00:32:29,500 they can do it, I can do it. 858 00:32:31,160 --> 00:32:31,660 Yeah. 859 00:32:32,039 --> 00:32:32,539 Yeah. 860 00:32:32,920 --> 00:32:33,980 I love that. 861 00:32:35,320 --> 00:32:36,299 I love that. 862 00:32:38,134 --> 00:32:38,634 Katrina, 863 00:32:39,014 --> 00:32:41,734 thank you so much for being here and 864 00:32:41,734 --> 00:32:44,934 sharing your story. It has been an honor 865 00:32:44,934 --> 00:32:46,634 to talk with you about 866 00:32:47,095 --> 00:32:47,595 money 867 00:32:47,974 --> 00:32:48,474 and 868 00:32:49,335 --> 00:32:49,835 your 869 00:32:50,320 --> 00:32:53,299 your money story and your work with women. 870 00:32:53,759 --> 00:32:55,920 What is the best place for people to 871 00:32:55,920 --> 00:32:56,980 connect with you? 872 00:32:57,840 --> 00:33:00,980 Very easy to find. I'm patrino wisdom everywhere. 873 00:33:01,200 --> 00:33:04,400 Instagram, Facebook, LinkedIn are where I hang out 874 00:33:04,400 --> 00:33:05,059 the most, 875 00:33:05,684 --> 00:33:07,845 but I also have a lot of content 876 00:33:07,845 --> 00:33:09,444 if you just wanna kinda get to know 877 00:33:09,444 --> 00:33:11,464 me better on YouTube as well. 878 00:33:11,845 --> 00:33:14,724 Or you can go to my website, patrinawisdom.com, 879 00:33:14,724 --> 00:33:15,224 and 880 00:33:15,765 --> 00:33:16,825 see all the things. 881 00:33:18,164 --> 00:33:18,664 Yes. 882 00:33:19,279 --> 00:33:21,220 And we will have all of the links 883 00:33:21,440 --> 00:33:23,380 in the show notes as well. 884 00:33:24,159 --> 00:33:26,319 Thank you so much. My friends, this is 885 00:33:26,319 --> 00:33:29,119 where I leave you for today. If you 886 00:33:29,119 --> 00:33:30,659 enjoyed this conversation, 887 00:33:31,414 --> 00:33:34,054 please leave us a review because it helps 888 00:33:34,054 --> 00:33:36,394 others to find the Money is Emotional podcast. 889 00:33:37,095 --> 00:33:39,335 And if you're not a subscriber yet, what 890 00:33:39,335 --> 00:33:41,994 are you waiting for? Hit the subscribe button, 891 00:33:42,134 --> 00:33:44,375 and you'll be notified as soon as a 892 00:33:44,375 --> 00:33:45,900 new episode drops. 893 00:33:46,859 --> 00:33:49,519 My free Financial Dignity community 894 00:33:49,820 --> 00:33:51,980 is now open. This is the place to 895 00:33:51,980 --> 00:33:54,320 be if you want a safe and supportive 896 00:33:54,460 --> 00:33:56,640 space to talk about money and mindset 897 00:33:57,019 --> 00:33:59,279 with others who are on the same journey. 898 00:33:59,714 --> 00:34:01,394 So see the link in the show notes 899 00:34:01,394 --> 00:34:02,535 to join us now. 900 00:34:03,075 --> 00:34:05,794 Until next time, this is Christine Lukin reminding 901 00:34:05,794 --> 00:34:07,794 you that you are good enough, you are 902 00:34:07,794 --> 00:34:09,014 smart enough, and, 903 00:34:09,474 --> 00:34:12,375 gosh darn it, people love you, including me. 904 00:34:12,690 --> 00:34:14,630 Until next time. Bye bye. 905 00:34:15,409 --> 00:34:15,909 Bye. 906 00:34:20,449 --> 00:34:22,530 Thank you for listening to the Money is 907 00:34:22,530 --> 00:34:23,670 Emotional podcast. 908 00:34:24,369 --> 00:34:25,429 To get in touch, 909 00:34:25,835 --> 00:34:26,974 visit our website 910 00:34:27,355 --> 00:34:32,174 at www.christinelucan.com, 911 00:34:32,315 --> 00:34:37,775 or drop us a line at hello@christinelucan.com. 912 00:34:37,914 --> 00:34:40,494 And don't forget to click the follow button 913 00:34:40,719 --> 00:34:43,619 to be notified when new episodes become available. 914 00:34:44,239 --> 00:34:46,019 The information covered and posted 915 00:34:46,400 --> 00:34:48,900 represents the views and opinions of the guest 916 00:34:49,119 --> 00:34:51,680 and does not necessarily represent the views or 917 00:34:51,680 --> 00:34:53,699 opinions of Christine Newton. 918 00:34:54,005 --> 00:34:56,585 The content has been made available for informational 919 00:34:56,804 --> 00:35:00,485 and educational purposes only. The content is not 920 00:35:00,485 --> 00:35:02,744 intended to be a substitute for professional 921 00:35:03,045 --> 00:35:06,644 investing or tax advice. Always seek the advice 922 00:35:06,644 --> 00:35:07,545 of your advisor, 923 00:35:07,925 --> 00:35:08,824 tax professional, 924 00:35:09,219 --> 00:35:12,760 or other qualified financial professional with any questions 925 00:35:12,820 --> 00:35:15,480 you may have regarding your personal finances.