• Education,  Empowerment,  Finance,  Habits

    5 Myths about Working with a Financial Professional

    Money is integrated with every one of life’s necessities. From food to houses and cars to children and clothing all the way through retirement, money impacts many of our major decisions and the quality of the life we live. Unfortunately, personal finance is not taught in school and we lack the knowledge of how money works. Therefore, we make many of our major life decisions and how we spend our money blindly, without a guide or plan as to what will benefit us the most in the long run.

    What I find funny is that when we are in school we are given a curriculum as to what courses we need to complete to graduate. Yet, when it comes to money, we are not given the tools to make our financial futures successful.

    The good news is that there is an entire financial services industry dedicated to helping you maximize your money. Unfortunately, there are tons of myths regarding financial professionals, which makes seeking advice confusing, frustrating, and scary.

    Below, I wish to debunk 5 of those myths to help you build your knowledge about professionals within the industry and feel more confident seeking advice and help with your money.

    Myth 1: I am not old enough to work with a financial professional
    Truth: Money and time go hand in hand. The longer you have the more time for your money to grow over time. The earlier easier building new habits and wealth will become. The younger you are the easier it is to right the ship of your financial future. When it comes to the time value of money, I often tell people to start now, save regularly, and be patient. Money needs time to truly work to your advantage.

    Myth 2: I don’t have enough money to talk with a professional
    Truth: Unfortunately, there are many people in the industry who only focus on high-net-worth clients. But, if you look within the industry, you will find plenty of advisors who are willing to help you no matter what your income level. Don’t let the few who only serve the elite stereotype others who will help.

    Myth 3: I don’t need a financial professional, I can do it all by myself
    Truth: According to a recent Vanguard study, financial professionals add about 3% more in returns for their clients than those not working with a professional. 3% may not seem like a lot initially, but over time that 3% could be the difference of several hundreds of thousands of dollars when you retire, and that is a big deal. Even if you are a do-it-yourselfer, don’t you think starting early with a professional giving feedback and assessment would be key to the longevity of your finances?

    Myth 4: I am scared to reveal my money habits to a professional
    Truth: Just like you have to have the right doctor, you have to have the right financial professional. A good professional knows that no one is perfect and that you are seeking knowledge and help. The right advisor should listen to your concerns and be empathetic. He or she should make you feel safe and not judged when discussing your money challenges.

    Myth 5: All a financial professional will do is play the stock market and I don’t want to risk my money that way
    Truth: Financial professionals should look at the whole picture and develop a comprehensive plan to set you up for success long term. This goes way beyond playing the stock market. Many times, you will get advice on your savings account and emergency funds. We will examine debt. We will want to create short, middle, and long-term plans, and discuss risk tolerance. Our job is then to develop a balanced and well-diversified portfolio. Our goal is to develop an investment strategy that is appropriate for your individual situation so that you can feel in control and have confidence in the plan.

    Hopefully, your fears are debunked. A good advisor is a coach, teacher, and guide. They will be there to help you feel more knowledgeable and confident with every stage of life and every major decision. They will be there to offer options that best suit you and provide encouragement and accountability to hit your goals. Do yourself a favor and seek guidance from a professional today to enhance your financial tool belt and build more security for yourself and your family.

  • Empowerment

    Truth Moment: Why I am Scared of Judgment

    I have been battling a fear of judgment lately. I find myself second-guessing things that used to come naturally to me. Do you feel me? Have you been there? Here is what I do to help.

    For me, I used to be very confident. I felt like the expert in the room. I felt like my opinions and knowledge changed lives. Then, I made the decision to make a major career change. I became a newbie again. I dared myself to suck. I have to put myself out there and learn. And it is scary.

    Every day I go to take action and immediately my limiting beliefs begin screaming. I don’t think people will take my career change seriously. I feel like my expertise is not up to par. I feel like everyone will be laughing behind my back, rolling their eyes and not supporting me. At times, those beliefs create anxiety, stress, and debilitating fear.

    Then I have to take a big breath, put on my big girl pants, and take action. I know that I made my decision to make a career shift because I needed growth. I needed to be challenged. I wanted to expand in 2023. I also really saw an opportunity to help and serve people in a similar way that I had already I a ton of experience in: coaching. But I disrupted how people saw me. I had to rebrand myself. And people don’t like change. When someone changes, it is hard for the people in their lives.

    After I remember my need for growth and change, I put on my big girl pants, and get my mind right. I tend to play a song that gives me some motivation and inspiration. Right now it is Carrie Underwood’s “The Champion.” This song connects with my ultimate goals. It shifts my perspective. It pumps me up, and recenters my goals.

    Next, I remind myself that there are two sides to judgment- positive and negative. Most of the time people only think of judgement as strictly negative. You truly can’t live in a judgment-free space (though Planet Fitness makes millions of dollars saying they are judgment-free). Truly, you have to have both… In fact, someone once told me that the worst place to be in Switzerland. People are going to love you or hate you… that is when you have influence and leadership. If you are neutral you really don’t have any power, you can’t truly serve, and there is no one really to lead.

    The people who value and care about me will judge me in a positive way. I will inspire, motivate, be supported by those people. Those who are going to judge me negatively don’t really matter. I ask myself, “Do I really care about what others say about me behind my back?” And if they are negatively talking about me, they don’t support me and I don’t need them in my life. When I think about the true people I want in my circle, I am okay if relationships based on negative judgment are abandoned, for those relationships are not ones that serve me and help me grow.

    Once I remind myself that judgment has two sides, I take action with the people I want to help and serve in mind. Whether it is a Facebook post, a phone call, or a networking event, I need to put myself out there and know that there are people that I can help. When I act with this in mind, it makes judgment not matter. It builds my confidence. It fuels my desire to learn more to become more of an expert. It makes me want to make better connections and expand my circle in a new way.

    Stepping back, I need to remind myself that judgment is a part of life, and to get to where you want to go, it will happen and make you uncomfortable. It is scary when you focus on the negative. But when you shift your perspective and rely on the positive, you figure out how you can contribute, lead, and serve others. Taking action on your goals becomes easier. You learn to take risks again. You learn who supports you. You grow. And you continue to challenge yourself and regain and rebuild your confidence. You got this.

  • Education,  Empowerment,  Finance,  Habits

    Growth Mode- The Future is Female

    Recently I read an article from Morgan Stanley stating that by 2030 women are going to control over $30 Trillion dollars. That is 2/3 of all the assets in our nation. WOW! Talk about a great wealth transfer. Unfortunately, over the last few months, as I have met with dozens of women, I have realized that women lack the knowledge, confidence, and time to really understand personal finance. So it raises the question, what is this wealth transfer going to be like? How are we going to control this money? My personal thoughts can be summed up in one word: YIKES. I foresee an overwhelming number of women feeling crazed and scared simply because we don’t get it.

    Today, it is critical that women understand money. But if you don’t, I can’t place the blame on you. Personal finance is not taught in many public schools, which makes financial concepts elusive, complicated, and extremely frustrating. People simply don’t get it because we were never taught it, and this lack of knowledge creates problems in our families, from sleepless nights wondering how a bill will get paid to maxing out credit cards. Most Americans blame money and finance for so many of their issues.

    The lack of understanding, available education, and the wealth transfer to women is why I entered the industry. For over 20 years I specialized in coaching, educating, empowering, and giving accountability to women. I also know that women are underserved in the financial services industry because when you lack understanding of something, like money, talking about it becomes taboo, and seeking help becomes hard. Because of this problem, many women believe that working with an advisor is only for the wealthy, a stereotype I need to break because that is not who I am. I am someone who listens to understand what is going on. I love to meet people where they are and develop a map to get them to where they want to be. I am someone who checks in and pays attention in order for you to follow through on making your goals a reality. I am someone who understands that sometimes it takes a little extra motivation to reach a goal and that progress towards that goal is always more important than giving up. I believe in people even when they have a hard time believing in themselves. Ultimately, I transform lives. And that job title is amazing.

    The future of money is female, and it is critical that women begin to understand it so we don’t screw up what is our responsibility. It is time we jump into growth mode and begin to properly educate ourselves. It is time we grow in confidence as we inherit wealth from our parents and spouses. It is time that we feel empowered and in control of our spending. This isn’t a pitch to come talk to me, though I am here to provide a judgment-free space to listen to and understand your concerns and questions and to educate you on how money can work for you. But, this is a plea that you take your knowledge about money more seriously. In just 6 years the need for women to understand money is going to change drastically. Start learning now. Put it on your goals list. Take action by asking questions. Build that confidence. Spread the need to others in your life. Support one another, grow together, and take this transfer with control, power, and excitement. I want to change that thought about the wealth transfer from YIKES to YESSSS!

  • Uncategorized

    Goal Achievement Success Secret: It’s Never a Straight Line!

    The famous mathematician, Archimedes said “the shortest distance between two points in a straight line.” And we, as humans have been trying to make the paths of our lives shorter for millennia. We want things quickly. We want them easily. And we want to put in the littlest amount of work possible.

    I know I have been there too.

    But unfortunately, when it comes to our goals… very rarely is it ever a straight line. In the financial world, I watch as stock markets look like rollercoasters- climbing, peaking, falling, climbing, falling. It is part of the process. In the fitness industry, I saw it with weight loss graphs- some days weight would drop, others it would wise. I see it when driving on 475 and have to detour to the other lane because they are working on the northbound lane. I see it on the look of my daughters face when she is understanding and memorizing her ABC’s then forgets and becomes frustrated, defeated. I saw this when I taught the writing process to college freshmen. We all think writing is linear. I brainstorm, I draft, I revise, I edit, I submit a final draft. But the truth it isn’t even close. New ideas will form as you write. You will edit and revise and edit and revise and edit and revise and brainstorm and edit and draft and edit and revise and brainstorm and edit and draft and draft and edit and revise and draft and brainstorm and edit and revise (did I make you dizzy yet) more times than you can count. The point is that your life and your goals are the same way. It is everywhere, it is dizzy, it is messy, it is able to be drafted and edited and go up and down in circles even.

    Yes, we will have moments of ease and amazement, that seem too good to be true. Where the ride is smooth, steady, quick, painless. But remember we will also have times and seasons when things are twisting, turning, heading in the opposite direction.

    The point is on difficult days, remember your goals and what you seek. Your “why” is important. It is the driving factor of why you started in the first place. Then seek coaching, guidance, accountability, assistance, or help. Maybe someone will be able to straighten out your path, align your wheels, or help turn you back in the right direction. Maybe someone will be able to cut the clutter, eliminate the distractions, find the slightly new path. Maybe someone will be able to just listen to what you are trying to make happen and allow the brainstorming to take place. Or maybe someone will know of a new better way to get to the same end result.

    For those of you that must hear it today: Stay on the path, my friends, even when it is a crazy one. The end result will be worth it.

  • Uncategorized

    Top 10 Beliefs To Level Up Life

    Are you like me? There is a little voice in the back of my head that tells me I can do better. Occasionally, it is crippling loud and other times it is subdued and nearly the faintest whisper. But that desire to level up life is alive within me. Sometimes is makes me want to take on way more than the average person can fathom. But with that here is what I believe. My intention is to elaborate more on each of these beliefs. Today, my intention is to list them and see which one’s resonate with you and what I think help take me to the next level.

    1.) The path to success is never a straight line. You will go up, down, in circles, backward, and upside down. Embrace the journey and learn from it. Every good story has challenges and obstacles. The hero overcomes these challenges. Be the hero of your story. But- don’t fail to create the plan. Nothing happens when there isn’t a plan in place. Have the plan, but know it isn’t going to always go as simple as planned.

    2.) Notice moments of synchronicity. I believe these are guiding lights to lead you down the right path. They are our maps. They are put in front of you to notice. Pay attention. Many times I think this is God pointing you in the right direction. Pay attention and keep that faith.

    3.) Get your reps in. One way we learn is through repetition. You have to do the reps to level up. You will not be a superstar on the first attempt, but with enough reps, you continue to get better. Do you reps!

    4.) Find the silver lining. Tough things will happen. We have a choice of the emotion we put behind it. You can wallow in desperation, or choose to learn from it and grow. Find the positive in the situation.

    5.) It takes a village…. The people you surround yourself with help you level up. Add value to the people in your village. Dream BIG with them. Serve them. Help one another set goals, learn from one another, and achieve success together. It takes a village to make your dreams a reality.

    6.) You are your habits. Your body will reflect what you do. If you want to make changes, change your habits. But, a word of caution, changing a habit is one of the hardest things to do. Seek help.

    7.) Seek help! Just like it takes a village, leveling up means you are not afraid to ask for help. Sometimes the hardest thing to do is simply ask.

    8.) Don’t take life too seriously. Be light-hearted. Dance in the rain. Sing into the spatula. Go down the slide. Laugh so hard you spit out your drink.

    9.) Be risky. Sometimes the only way to level up is to take the risk. Risks are scary. You will learn something from the risk. You will grow from the risk. You will change from the risk. Be calculated. Seek help and advice. But without risk, the reward is dismal. Want the reward, choose the risk.

    10.) Place your family first. Moments and people only last for so long. Create those memories and stories with the people that mean the most. Be the parent you dream of being and set the example for your kids. Make time for them, be involved. Place your closest friends and family high on your list. Call your parents. Find time to connect with your partner. These memories go beyond the mundane day-to-day.

    We all have different beliefs and we are all at different points on our path to make our dreams a reality. Some people may connect with these beliefs, and some pay think I am off in left field picking daisies. That’s okay. My goal for the next few weeks is to discuss these beliefs in more detail and how they have helped me shape my past and will continue to develop my future. I believe big things are coming. Here is to the adventure.

  • Empowerment,  Habits,  Purposeful Living

    Why I am a Financial Professional

    I was raised by two finance professionals. My dad was a banker. My mom managed a local branch of Household Finance. Money, investing, saving, budgeting, etc was all common dinner table conversations; however, my brother and I would rather fold up a piece of paper and play football. I grew up in a family that every Christmas I would receive stocks paid for by dividends and government bonds (you know the kind that takes decades to mature). The 8-year-old me didn’t value these presents, I just wanted the Barbie doll. But the 30+-year-old me sees the value, and looking back I am thankful for the experience and knowledge passed on to me.

    When I was in junior high, Mom would set me up with a weekly budget/ allowance. I had to budget my lunch money and spending money. If I wanted something I would have to figure out how to save that money to make the purchase. This continued throughout high school. Understanding money coming in versus money going out helped me know where to spend my dollars wisely.

    Yes, my parents tried to pass on financial literacy to me throughout my teen years. But, admittedly I took those lessons for granted. Why? My need for something now was stronger than my need for financial stability and freedom in my 40s, 50s, and 60s. Sometimes looking back, I think retirement was just too far away to really take that need seriously. I fell victim to the immediate want vesus the long term want mentality. My wants of today trumped my wants of the future.

    Then, as life continued, I found it hard to admit failure with money- especially when your parents tried so hard to teach you better. It is a little embarrassing to discuss things like credit card debt, credit scores, money in a saving account, budget, investing, and how perhaps you are trying to just make ends meet living paycheck to paycheck. There are so many negative stereotypes associated with each one of these areas that for many ignorances or pushing the problem aside is just easier.

    When Matthew and I finally decided to take our wealth more seriously, we were in our 30s. And we knew we needed a coach. This coach didn’t necessarily need to tell us what to do, but, instead, to change my perspective, help me problem solve, and hold us accountable to taking these goals seriously.

    The good news is that one of the ways we learn is by making mistakes. I am glad I have the life experiences of learning about money to help me relate to others who need help. I can pass these lessons on. Like many I have paid off student-loan debt (thanks to a 3rd degree that I didn’t even finish). I have overcome credit card debt. I have lived paycheck to paycheck and taught myself how to save so that stress isn’t so dire.

    Admitting all this is embarrassing, especially because I should have known better because my parents tried so hard to give me the tools and teach me about money. But it is all true. When I decided to take my money seriously, my life changed. And I have gained a ton of knowledge including how to create the habits to get yourself unstuck. I am literally walking, talking proof that if I can make these changes, you can too. And I am here to help.

    Financial planning isn’t just about investments and portfolios. It isn’t just for the rich and soon-to-be retired. Financial advising is here to help you take control of your bad habits, and for you to take ownership of your money. It is for you and for your family to be protected in case the unimaginable happens. It is for you to dream about a work-optional lifestyle instead of a life where you must work. And I can’t wait to watch people gain confidence and control of their money and watch people dream in exciting, amazing ways, createing a life where those dreams come true.

  • Uncategorized

    We Finally Took A Real Vacation

    It has been nearly 10 years since Matthew and I have taken a real vacation. Yes, we have done weekend trips to Nashville and Pittsburgh, and other places. But we haven’t packed it up and gotten out of town for longer than 2-3 days.



    Last summer we were visiting friends who had just gotten back from vacation. After a few adult beverages, someone suggested that we should all go on vacation, get a house with a pool, and have fun. Matthew and I agreed it would be fun, but didn’t actually think it would be something that would truly manifest itself (especially with our outlandish requests for the dream vacation). The next day, Brian begins sending property rentals that would house 13 (6 adults and 7 children), with a pool, and close to the beach. Honestly, my mouth hit the floor. They were serious!!! This is really happening. They are holding these drunken dreams accountable. We are actually going on vacation with the kids.

    Fast forward 8 months. It’s midnight, 3 cars meet in the parking lot of Kohls in Spring Meadows. We are on our way. It is happening. We are on our way to the Ocean. Destin, Florida here we come.



    Our first big adventure happened roughly an hour into the drive. All of our phones start going on. There is a tornado in your area, seek shelter, avoid mile markers 110-118. Brian calls. What should we do? Brian is a trained firefighter and EMT. I reminded him that he is our emergency professional and should make the call, and he wisely pulls over to wait out the storm. And what a storm it was. I had never seen rain coming down with that force and with that much wind. When all warnings had expired, we got back on the road only to be detoured off the highway around mile markers 110-118. On the drive home, we saw why. A small tornado took out a greenhouse, jumped the highway, and took the roof off a building on the other side. We barely missed it. I had never been so thankful for phone tracking and GPS in my life.

    The second adventure happened all through the state of Alabama. You see, I65 is the only major interstate to that part of the Gulf Coast. And every Saturday people are headed either to the coast or packing up and heading home. What should have been a 5 hour drive, turned into nearly 10 hours due to bumper to bumper stopped traffic. So what do we do, we reroute and take some back roads. Driving through parts of Alabama we saw it all: Farms, plantations, horses, small towns, larger suburbs. It is cool to see more than just the interstate. But, a few things happened on that drive. First, Matthew and I decided that we were leaving Friday, instead of Saturday to avoid the Alabama traffic. Then we decided that we would stay the night in Nashville on the way home to break up the trip. It proved to be a good call and a much more pleasant and rested drive home.

    Since Saturday was spent in a car, when we arrived to our house in Destin, there wasn’t much time left to explore. So we unpacked, ordered pizza, ordered some immediate groceries through instacart, and checked out the house. The house was perfect. It was called the Stairway to Hammock Heaven. We were about a block from the ocean. It had 3 main bedrooms and a bunkroom for the kids. Jack and Lily immediately took the top bunks. Out back, a pool with a spa. The kids put on their swimsuits and we swam for a few then everyone went to bed. It had been a long 24 hours.



    The next morning our vacation was rolling. We went to the beach. I will never forget Jack and Lily’s face when they saw the ocean for the first time. Nor will I forget Matthews’s excitement as both of the took their first steps in the water holding his hand. We swam, played in the sand, looked for sea shells. Then it happened… real dolphins jumping out in the distance. It was so cool. After the beach we went back to the house for nap time, and a chance for the adults to socialize. Then we all packed up and went to Fud Puckers for dinner. There we saw alligators! We even got to hold a real life baby one and take our picture.

    The next day we visited the boardwalk. We ate, played, and watched the charter boats come in with their latest catches. The kids play area was Jack and Lily’s favorite because not only did they jump around in bouncy houses, but we ate frozen pineapple. After the boardwalk it was back for naps, swimming, and grilling out at the house.

    The next morning we woke up to checkout a breakfast joint then came back to the house to swim and play. Unfortunately, as we were planning to go to Destin Commons for dinner and then the Go Kart Track, Jack got sick. So we stayed behind to let Jack rest while the other families explored Destin Commons. It was sweet that they all decided to wait to go to the Track until Jack felt better.

    Which he did the next morning! On Wednesday, however, it was Mom’s Getaway day. We booked a Tikibar Cruise to Crab Island. And let me tell you from about 8:45 am- 2 pm, us moms had a BLAST. The Tikibar boat was driven by Captain Kirk. He is a Destin native and a former funeral director. But decided to get out of the business and enjoy life’s happiness on the gulf. With a few beers and time, the three of us were in the water playing beer pong and other games, and listening to music. Crab Island is a must. I can’t wait for when the kids are bigger. I would love to rent a boat with a slide and let them have fun at a sand bar.



    After Crab Island, we were off to the Track for Jack. The kids were tall enough to ride in the Go Karts while the parents drove. We were off to the races. It was so much fun. There were also other rides for the kids and bumper cars.



    Thursday was Dad’s day to go golfing. While they were hitting the links at one of Destin’s beautiful golf courses, we packed up the kids and went to Target. We knew that we were going to have to jam pack a lot into our last full day. So when the boys got home we went to the beach and did more swimming and playing. Then we got dressed and went to Bayharbor Wharf for dinner. I wish we had more time to explore the wharf. We could have easily spent a whole day there exploring and playing. But, it gives us a reason to go back.



    Unfortunately, Friday came fast and there we were packing up to head back to Ohio.
    I am just so happy we did it. And I am so thankful to my Katie, my sister in law, for watching Tucker. It happened. We vacationed. And we will do it again!

  • Empowerment,  Purposeful Living

    That Used to Be Me: 3 Lifechanging Transformations

    “Have you ever looked at older photo of you and think to yourself, ‘I can’t believe that used to be me!'”

    This was the opening sentence of my reading this morning. I sometimes think between Facebook memories and time hop photos that daily remind us of our past, we are constantly confronted with who we used to be. Luckily, I find comfort in these memories, and I am proud of my past. But I also know I have grown and changed in ways that have made me better than what those pictures have captured.



    If I had to narrow it down, I would have to say in the last 10 years I have had 3 major transformations.

    1.) Becoming a mother.


    On Friday the 13th of 2016, I entered the world of motherhood. Your world changes. You learn to problem-solve like never before. You learn to be prepared. You learn patience. You learn to manage your time differently. But for me, I learned to be more selfless. Prior to motherhood, I could pretty much do whatever I wanted. I had freedom. I didn’t have to worry about certain consequences for my actions. I could just be. But children change your perspective. You put their needs before your own. You don’t have the same freedoms or personal space. The transformation is truly beautiful and hard and easy and perfect and amazing all at the same time.

    2.) Learning to say “No.”
    This one came gradually. And in fact, there are days that I am still working on it. But with time, I learned that I can’t do it all. Sometimes, the most valuable thing you can do for your life is to just say, “No.” I have learned that the temporary pain of saying no leads to new perspectives, habits, long-term gains, and ultimately transformations. For example, learning to say no to late-night snacking, lead to better more conscious eating habits, which ultimately leads to weight loss and better body image. Another example is learning to say “no” to using my credit card. This lead to less frivolous spending, less debt, more money awareness, extra money in the emergency fund, and better spending habits.

    3.) Taking my “wealth” seriously
    Certain things bring “quality” to our lives. For me, it’s family, health, and wealth. Working toward financial stability relieved so much stress in my life. I wasn’t up all night worrying about the bills that needed to be paid. I didn’t panic money became tight due to job issues for both Matthew and I. Not having to worry about money freed up space to give to my family and take my health seriously. I truly believe that when you transform your relationship with money, you can transform other important areas in your life.



    So yes, I look at those old photos. I appreciate who I was then and the lessons and transformations I have had since then. Not every path is led for us like the Yellow Brick Road. Sometimes we have to find out way, make tough decisions, learn to be selfless and fail. It all happens, but that is how we transform. I can’t wait to see what the next opportunity to transform brings.

  • Empowerment,  Purposeful Living

    I Just Wanna Help People

    I think the title of this blog explains it all. For the last 9+ years, I have been helping people with their health and fitness. Before that, I spent 8 years helping people through education. But, I am not getting any younger. After months of deliberation, I want to take my passion in a different way… I want to help people with their retirement and financial investments.

    You see, I grew up with parents who were both in finance. Typical dinner conversation included conversation about how money works and grows. For Christmas, instead of a Barbie Doll, I got stocks and government bonds purchased from dividends. Sounds so fun, right?

    That is why when I graduated at 18 and moved to Toledo, I was determined to figure it out on my own. 5 years ago, I joined a Toastmasters group to improve my public speaking and leadership skills. That is where I met Alec, a financial professional with Wealth Wave. At the time, I wasn’t looking to get into finance. In fact, my entire life, I told myself I never wanted to end up like my parents. And I don’t want you to mishear anything… I am still happily helping people in health and fitness. But I always thought I could do more.

    I believe health and wealth go hand and hand, and some of our biggest social problems are both in health and finance. Our habits with spending, movement, and nutrition are all very similar. If you can learn to adjust your habits with any of them, your life will be changed. Sometimes you just need the go-to coach with the knowledge and recommendations to help you learn more.

    In 2020, Alec handed me the “How Money Works” book. I handed it to Matthew, who after 45 minutes handed it back to me. Upon which we had one of our big answers questioned. Even though Matthew and I had a house, car payments, and two kids… neither one of us had life insurance that would be able to help in case the unimaginable happened. Alec provided the solution that we were looking for.

    But once we talked to Alec, we realized that he had other solutions to some of our smaller money concerns including how to consolidate scattered 401Ks from various jobs and how to invest money in different accounts to allow our money to work for us instead of us always working for money.

    In January of this year, Alec and I had a different conversation about how I could become a part of the team. I love to help people and problem-solve, and sometimes you need to learn new skills to help people in different ways. That is my passion. That is where I feel most confident and fulfilled. That is where I know I can have the biggest impact and influence in life… and that is why I decided to jump in… take on a new challenge, and learn to help people in a different way.

    I dived in. And I went “back to school” so to say. I enrolled in different certification classes. Though I am not all the way to where I want to be with licensing and certifications, I will be by June. I have completed my Life and Health Insurance license and am able to help with both needs, as well as different annuity options. Within a few months, I will be able to help with other investment needs, including IRA options. I am really excited about what the future holds.

    Some of you may still be asking why… and the answer is really simple. I just want to be able to help people wherever I can. And the more I know, the more I can provide to the people I care about and love. Helping and serving is who I am… and it is so exciting to see where I can take this new knowledge and ability. Let’s go!

  • Empowerment,  Purposeful Living

    Encouraging One Another To Grow

    It’s Ash Wednesday. The start of lent. Each year people look to fast, pray, and give during these 40 days. While some give up alcohol, sugar, soda, fast food, and clutter (please continue the list), I take this time to work on my spiritual life, to prepare my heart.

    This year I am doing an email series by Matthew Kelly entitled The Best Lent Ever. Each day there is a short emailed video for reflection and typically an action item to spread the “Holy Moment.” Today’s action is to encourage someone.

    Immediately, I was like this is an easy one. Being a mom and a fitness coach, I encourage people every day. I encourage my kids to write their letters, read their books, make their beds, and practice karate. I encourage our members to try new moves, to level up their skills, to continue until the bell rings, or to try better food choices. In those areas of life, I have become a MASTER ENCOURAGER. I never considered a moment of encouragement to be a “holy moment” for others. But for someone who rarely receives encouragement, it probably is a moment that is very special. A moment where they are recognized, noticed, pushed to grow, and celebrated.

    Immediately, I thought about the last time I was encouraged. How did I accept it?

    I think I am a person who is better at encouraging others than accepting encouragement myself. As a leader, I think I have created this personality that is the one to lift others instead of ever needing to lift myself. I am a know-it-all. I expect myself to succeed. I will discover answers to be prepared. I love to prove doubters wrong, no encouragement is needed.

    How sad and lonely does that sound?

    Maybe I need to soften my shell (pun intended) a little and allow the encouragement in? Maybe this is an area in which I can grow? To find others who encourage, not compete with me. To allow others to empower me, to believe in me, to encourage more out of me to break those limits.

    I do think that when we are bold enough to encourage one another and are honest with one another about where we would like to see improvement in our lives (whether work, home, school, etc), the right mentors and guides will come into our lives. I believe we need to seek out mentors who will encourage us and help us learn new skills, and we are more likely to succeed. We are not in this world alone. We all need encouragement. We all face challenges. And we all could use that moment of someone noticing that we are trying and offering their knowledge, recognition, and advice to keep going.

    I am not trying to press religion here, but I do think that today’s Lenten message has good humanitarian reasoning. So I challenge you… How can you either encourage someone or accept encouragement today?

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