• 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.

  • 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.

  • 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?

  • Empowerment,  Habits,  Purposeful Living

    Lesson Learned: Forgive to Expand

    “Iron sharpens iron, and one man sharpens another.” – Proverbs 27:17

    I check my Instagram messages and type, “Still good for 9:30.” Quickly I get a reply, “Yes, see you there.” I take a big breath. I am nervous. But, Lily and I are committed to meeting an old acquaintance for coffee. This person and I have not spoken in years and our friendship ended abruptly. I didn’t agree with her actions. I felt hurt and betrayed by her. I held a grudge. And I couldn’t forgive her.

    I requested that we grab a coffee. These last few months I have been thinking about her and our relationship. How we actually challenged one another and learned from one another… sharpened one another. We pushed one another’s creativity, competitiveness, leadership, and growth. I learned how to deal with conflict differently because of our experience. She actually sharpened me.

    When Lily and I walked into the coffee shop, she was already there. We walked up to her table and sat. Immediately, I remembered my word of the year “expand” and recognized that in order to expand this year, I needed to forgive. I needed to release my grudge.

    Was it hard? Yes. Was it super uncomfortable? Yes. Did I like feeling humbled? No.

    But when we walked out of the coffee shop nearly 2 hours later, I felt a release of something I have been holding onto with negative intention. It was calming and peaceful. It felt good. It was powerful. It was expanding who I am.

    Lesson learned: Forgiveness isn’t forgetting… it is giving yourself a chance to expand and grow.


  • Empowerment

    Why We All Need Encouragement

    “Therefore encourage one another and build one another up, just as you are doing.” Thessalonians 5:11

    “I am just scared. Scared of failing. Scared of people taking me seriously. Scared of re-creating how people see me. And that is why I toss and turn at 3 am.” I told a good friend while sharing a glass of wine yesterday. Admitting fear takes down the veil. It also allows people to come into your life and reignite that spark that made you want to get started in the first place. When confidence is lacking, encouragement from others is needed.

    Unfortunately, we also live in a world where “independence” is praised, and asking for help is scarier than being up all night worrying. So we learn to suffer solo, which is a very grim world to be in. When we learn to let others into our world, dreams, and visions, we can come up with better plans of action to make them real. We can get that encouragement to keep going. We can gain insight into how to help one another turn an idea into a reality. Sharing is so important.

    Wow! To everyone who reached out yesterday and connected with my blog, thank you. To those of you who have grabbed a coffee, or dealt with my crazy through text, phone calls, in-person chats, and more. Thank you! Having encouragement and insight is amazing! I appreciate all of you!
    Brene Brown often talks about the power of vulnerability. But like many of us out there, especially in leadership positions, I don’t like to be vulnerable. It is just as uncomfortable as not knowing. But it also sparked a ton of amazing conversations, so much encouragement, and helped push past some of those limiting beliefs that caused fear in my mind.

    Cheers to all!



  • Empowerment

    My 3 AM Restless Brain and Anxious Heart

    “Search me, God, and know my heart; test me and know my anxious thoughts. See if there is any offensive way in me, and lead me in the way everlasting” (Psalm 139: 23-24)

    It’s 3 am, and I grab my phone and do the daily Wordle puzzle. It is the 27th night in a row that I have completed this puzzle in the middle of the night, the victory count helps me keep tabs. These middle-of-the-night games should not be my norm- but they are quickly becoming standard. The house is so quiet, except for my racing head. “What’s next? Where are you pointing me to go, God? Just lead and let me follow? I trust you, but would really like some answers as to what your plan is for me. Change is hard and super uncomfortable. I don’t like this uncomfortable feeling, this feeling of not knowing. I wish I could just fall asleep, turn off my head, and find peace for a few more hours…”

    Eventually, sleep returns And the 5:30 alarm goes off, only to start my day, with that same unknowing pit in my belly.

    Insomnia and stress go hand in hand for me. When I am worried, anxious, and not knowing what to expect, I find myself awake thinking, problem-solving, strategizing, and praying for answers. I am not one to get mad at the situation, I simply want to fix it and make it right by my book. And I WANT TO DO IT NOW, and I don’t care if it is 3 am!!! It’s hard to give up that control and trust that things will work out. My personality wants to bulldoze my path forward with confidence and awe. But internally, there is doubt, questioning, and worry, which all manifest in the middle of the night.

    Those limiting beliefs of not being good enough, not knowing what I am doing, and people not taking me seriously all creep into that already noisy mental space. Those voices can be soul-crushing. The question of whether or not my decisions are correct also lingers. Is this the next right step?

    And then (I like to think through divine intervention) it hits me. I want to expand. The anxiousness, though not fun, is calling me to grow. The next step in my growth is to make a decision and begin to follow through, which will build that confidence and fight that limitations and doubt. Failure perhaps is part of that process, but then I will make another decision and try again.

    Without getting everyone’s hopes up, I have some cool things happening this year. They are things I have been thinking about for quite a while now, and it’s time to see where they take me. I can’t share more yet, but soon (probably not tomorrow, or this week, or maybe even this month… but soon). And I am placing all my hope and faith that it helps lead me to something more everlasting.

  • Empowerment

    Being Humbled: Progress Not Perfection

    It is January 4th and I pick up the barbell to do a set of overhead squats as part of my current training program. I put the bar overhead and begin to lower myself into a squat. I can’t do it. My arms won’t stay up. I feel like I am being pulled forward and may fall on my face.

    I want to muscle my way through the motion… but I seriously can’t. I throw the bar to the floor. I FAIL.

    Frustrated I grab the PVC pipe, hit record on my phone, and try again. Then I send the video to my brother. “Help me fix this, PLEASE!”

    Within moments I get a reply the length of a book. He points out how I am leaning forward. He gives me a few suggested drills to help increase my shoulder mobility and work on the overhead squat. I get to work.

    I am a firm believer in the saying “progress not perfection.” But I am also one that will practice like hell to get it right. So I get to work. I stretch. I work on engaging different muscle groups, I work on shoulder mobility.

    A week later, thinking that with all the work I put in during the week, I am finally ready to master this overhead squat. I get the bar up, pull it back, and get my shoulders back. I begin to squat. I can’t. Literally, I can’t go down. I feel like I am falling backward.

    Probably more frustrated than the previous week, I drop the barbell, grab the PVC pipe, hit record on my phone, videoed myself, and sent it to my brother. “Help, what am I doing now? ”

    Again, he is quick to reply. Being a good coach he points out my corrections. Tells me to keep practicing, and gives me some more exercises to help me make the needed improvements. And I get back to work.

    Then this week, humbled by previous weeks of failure, I skipped the barbell and went straight to the PVC pipe. I prepare myself. and begin to overhead squat. Immediately, I can tell these ones feel different. My shoulders are engaged, my back feels straighter, and the depth of my squat feels good. I grabbed my phone and hit record….

    WOW!!! That looks better was my only response. I sent it to my brother. Again, I get a response, only this time impressed with how far my overhead squat has come. In true brotherly fashion, he did give me a few pointers and techniques, minor corrections in the grand scheme of things, but overall he was impressed.

    And I felt proud.

    Being humbled by something you can’t do is difficult to stomach sometimes, especially as an adult when we don’t try new things very often. Every ounce felt weak when I couldn’t do this squat. It was deflating. It was frustrating.

    But I did learn a few lessons along the way to help. These lessons can be applied to anything you are looking to improve.

    1.) Remove the weight- take the load off.
    2.) Hit video record- sometimes looking at it from a different angle will help you too.
    3.) Let someone better than you take a look at the video and offer insight.
    4.) Work on small details, because they are all connected to the big goal.
    5.) Think progress, not perfection.
    6.) Practice.
    7.) Be patient, you won’t fix it overnight.
    8.) All reps count, keep recording, keep getting coaching, and keep practicing.
    9.) You will get it.

    When feeling like you are failing, don’t walk away and pout in frustration. Instead, use these steps. They can be applied to anything from athletic movement, presentations, training for work, and so much more.

  • Empowerment,  Habits

    Making A Change Is Hard: Do a Challenge

    There are a few things that I love about a 6 Week Challenge, whether it is focused on fitness, finances, relationships, spirituality, or some other area in your life. Here are 3 reasons why I think starting habit change with a challenge is a great beginning point.

    1.) There is a starting and ending date.
    Most of the time when we think about creating new habits, it is something that can be overwhelming. Seeing a starting and ending date gives you an advantage. An end date allows you to keep the eye on the prize. Personally, I think 6 weeks is a good amount of time. Typically, it takes 21 days to start to build the habit. It takes longer to make it part of who you are and your lifestyle. 6 weeks ingrains the habit into who you are, without feeling the pressures of lifelong commitment. By seeing the end date, you can build your confidence when you hit it. That confidence is so valuable to pursuing any change.

    2.) Challenges normally come with others who are doing it with you and a coach to support you.
    Having multiple people involved gives you a sense of community, support, and accountability. The cliche that it takes a village to raise a child, is also so true when it comes to changing your habits. People think that making changes is a lonely hard process. They are scared to ask for help. But the truth is when you have like-minded people make the changes together and a coach guiding you, you will achieve success. You have others to give guidance, offer support, keep you focused, and celebrate the smallest wins.

    3.) Challenges include invaluable knowledge.
    The other cliche is “knowledge is power.” But it is true. And the amount of knowledge you gain during a challenge is invaluable. During a challenge, you will be forced to learn. When you learn something, it can never be taken away from you. During a challenge, you will be forced to problem-solve. Those lessons will last longer than the length of the challenge. During a challenge, you will face adversity. Your perseverance will grow and be with you forever. If it doesn’t challenge you, it doesn’t change you. And a challenge is designed to help you make those positive changes.

    So, now that the New Year’s Resolutions are starting to become harder, maybe research different ways you can get in on a challenge to help you begin fresh, find community, and learn.

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