Episode 18: The First Step to Financial Freedom
Are you looking to become financial free? Where do you start, and how do you start? Julie Judd from The Money Wisdom Coach joined the Prosperity Gap to discuss steps to taking control of your life and living your financial dream.
We are talking all about getting started. Finding that reason why. Julie’s why was pretty clear when she said, “I wanted to be able to enjoy life without debt, that complete freedom to do the things I love.”
It is not about getting rich. You can use money as a tool to create wealth. Julie learned early on the responsibility with credit and she was always the person in her circle people came to for financial advice.
For the rest of us we are terrified to start. Maybe we don’t understand all the financial terms, the best place to put our money and we give up before we even start. So we need to start with a positive mindset. We have to realize that anything is possible and we have to tell ourself, “Yes I can do this”. As we adjust our mindset, we begin to see the open path.
1- We need to start to become a budgeter. (Create a spending plan)
2- This will help us manage our money so we will know what our income is and where we are going to spend our money.
3- We will then know how we are going to cover the necessity and everything else.
4- Don’t dwell on the past or you will not move forward.
Everyone is on a different path, and it is time to get started and take control of your future.
Expand to read the Full Transcript
Announcer: welcome to the prosperity gap, where we discuss the financial gap that exists between where we are and where we should be. It’s time to bridge that gap.
Dave: Prosperity Nation. Welcome to the show.
Today’s show is being brought to you by Etrends Tax and Accounting. If you’ve not yet had a chance to your taxes filed for this year, please go to e trends group dot com. They have a number of packages that will help you get your taxes filed. Make sure you get your accounting done and that you’re staying in compliance with the I arrest in the various government agencies.
Very excited for today’s show. If you haven’t had a chance yet to subscribe to our show, please take the opportunity to do so. We want to make sure that you’re getting the latest updates. We release a new show every Friday. We want to make sure that you’re able to listen to these and to help continue to bridge that gap that you have between the life you’re currently living and the financial life that you should be for today’s show I have with me. Julie John. She is a personal finance master coach very excited to have her with me today. Her company name is the money Wisdom Coach and Julie with that Welcome to the show.
Julie: Thank you, David, for inviting me is truly my pleasure to be here and talk to your audience about one of my favorite topics.
Dave: It is also one of my favorite topics. I always say that every show is exciting to me because I get to meet new people and I also get to talk about money, which is something that I hope others could get a passion for so they can start changing their lives. Really? How did you start down your financial path?
Julie: Well, David, personal finance, something that I’ve been interested since very young three idea that you can use money as a tool to create wealth really captured my attention. It wasn’t really about getting rich is that I wanted to be able to enjoy life without the worry. So dead and all the other things that people are boggled by To me, it was more about Kevin that complete freedom to do the things that I love. I love to travel. I love to plan activities with my family and friends and just to enjoy life. And I think money really allows you to do that if you use it as a tool to give you that complete peace of mind. In fact, I’ll tell you, when I was in high school, I remember being so excited to get the mail because at the time I was subscribed to Money magazine, the Internet wasn’t something that was a thing back then. I’m dating myself here. But I remember breeding the articles and having this epiphany about con founding interest. You know how you can save money and that interest accumulates more than what you can actually contribute. So that was a big aha moment for me. Ah, and later on in my college years, early in my college years, I worked for a financial institution, and that’s where I learned what it means to be responsible with credit and the impact that I can have in people’s finances.
Dave: So when you’re this teenager getting Money magazine, which I also did the same thing, I was that nerdy teenager that was looking at finance when I was good for these principles taught in your home. Or where did you get this interest in?
Julie: Well, I grew up with my grand parents who at the time were retired. They were not of financial means. They had very low resource is, but they did what they could, and debt wasn’t something that was prevalent. I think it had more to do with even knowing, you know, about how to use credit and things like that. But I do remember my grandmother being very responsible with her money. She didn’t necessarily teach me the tactical things that comes with personal financing and the management of it. But just from observation, I think that’s where I picked up at least some of the basic information.
Dave: Very interesting when were observant, what we can learn and many times you gonna be good or bad. Many times it could be that we learn from example, or we learn from a bad example how to do something different and we make those commitments. Obviously, you’ve taken that in your own life, and you’ve applied it in your life to get yourself in a financial position. We’re not only your stable, but there’s a big difference between being stable yourself and applying these principles and wanting to teach them to other people. What is it that got you to the point? You said, Look, this is beyond me. I really need to start helping other people now.
Julie: Well, for many years I was always the person in my circle that people would come to for financial advice. But I’ll tell you, last year was really where it all started for me, as Faras whitening my audience. I was on a flight and I was listening to another passenger’s conversation. If you rows ahead of me in. She was relating her personal struggles with finances to another passenger. But what really impacted me was that percents of defeat in her voice. You know, she felt like she had no other choice, and that was the way of life. And that was the way it was going to be so on that flight. It just let me to think I can help people and I need to do it and an AA in a way that I can approach Ah, wider audience. And that’s when I’d said it. You know, I’m going to look in to become a funding and coach. So it took some training on how to deal with different personalities understand that will cost of people’s money issues because it’s not just it’s not just the transaction was not just not knowing how to do it. There’s so many things that come with managing money. You know, some of it could be relational. Some of them could be perspective, the way they think about money, either the way they were raised or experiences that they had themselves and also even had to communicate with their collectors. And, you know, all the other factors that me personally, I might not have that experience, but I needed to know in order to be fully prepared or to assist other people in their journey.
Dave: It’s amazing how much finance affects our lives, but yet how unprepared most people are. And that’s where I’d really like to spend our time today. Focusing is on what people can do to get started as a coach, obviously, that your job is to take people from zero or a point where they were just saying, I need to change, to appoint, they can achieve success and maybe we can start with some basics when you come across someone that says like I need help what’s the first approach that you’ve got to take to that person?
Julie: Well, I think this situation is Sometimes people are confused. They might be intimidated by the terms that they hear about money and they just don’t know where to go. So sometimes they give up before they even start and then go back to feeling hopeless like they were before. But I think the very first thing I tell them is develop a positive mindset. Once you have a positive mindset of what you can D’oh, anything’s possible. So decide the life that you want to have and how money can enable that lifestyle, because money is just a tool to get you to where you want to go. It’s nothing more than that, really to me, finance to me. I think it should be simplified to You need to make it convenient and easy for people in order for them to feel that yes, I can do this. So once they have adjusted their mindset, then we can talk about the actual transactional piece. Number one is become a master at budgeting, so for a lot of people they don’t like to use to be working, no budget because I feel so we stripped it. So I like to call it my spending plan the road map that I’m going to use on how I’m going to manage my money. So this will help me understand what is my income, where I’m going to spend my money and how I’m going to cover the necessities and everything else beyond. Once you have complete control of your operational household finances, you know your income and expenses. Then I think that big door opens and what you can do with it
Dave: Prosperity Nation. Hope you’re listening to Julie, especially. She talks about the mindset because if you look at anything in your life, if you change your mind set, you can accomplish way more than you ever thought you were going to before. It’s been very interesting this morning. I’ve spent the day working with one of my good friends, was very depressed right now. She’s really struggling in her life. She doesn’t have enough money. Unfortunately, she’s disabled and she’s not very fixed income, and it’s created have it. And so we talked a lot about her attitude in her approach. I just watched over the last four or five years. She’s dealt with these issues times where she’s had a positive attitude. She’s actually made great progress and set fact. There has been some time she’s got part time jobs. She’s been able to help improve your financial situation. And then she gets down into this situation where she’s struggling mentally on also, and everything’s falling apart. Nothing could seem to work. So Prosperity Nation. What Julie saying is so important. You’ve got to get the right mindset, and where a coach comes in is they can help you get there. They help keep you motivated. They help keep pushing you along. And I think that’s what’s great about having some. Like Julian, your life is they can help you hit the mind right? And then, just as she says now, you start working on the numbers and whether it’s a budget, we’re like you. We call it a spending plan, Julie. We call it the same thing, whether it’s budget or a spending plan. You’ve got to get it on paper. So once people do that, Julie, what’s the next step? I mean, now we have it all laid out. We know what’s coming in We know what’s being spent on a monthly basis. Where do we go from here?
Julie: So they don’t want to take you to the next step, but in a more strategic way. I love planning, and I love being strategic and coming up with ways to get things done. But I don’t want people to get out of debt just for number sake. People want to live your dreams. They have aspirations of things they want to dio, but they don’t know how to approach those big dreams on a more tactical manner. So to me, the way I see it is make an approach that makes things easy for people. That’s no different than when you’re training because you want to get in shape. You know it’s given a strategy and a plan to your goals. So to me, my job is to empower people to take control of their lives and their financial dreams. So one of the things that I always tell my clients is that when we first need is tell me where you want to be in the next 5 to 10 years, what are the things that you want to d’oh that money can enable you to do that or hindering those dreams of becoming a reality. I get them to dream a little bit because those dreams are the wings are going to help them fly. They have to have a motivation. They have to have that dangling carrot that gives him that focused to keep going. Otherwise they can easily quit and not get to where they want to go. To me, it’s not just for the sake of the numbers, you have to have a motivation to help you to get there
Dave: and Prosperity Nation. That motivation could be two things I believe. Number one. It could be a positive motivation. Meaning Justus, you’re talking about five year goal. We’re looking at the positive side, the others. If you’ve gotten yourself so messed up financially, it’s a reality. I may be out on the streets tomorrow if my finances don’t improve. Unfortunately, the consequences are gonna be so severe, but it’s gonna be disrupt my life. It’s not gonna allow me to accomplish the things I want to now. Hopefully, for most people, you’re getting caught before you get to the desperation toe, where you can really see the inspiration and you can listen to what Julie saying here and say, Look, I do have a plan so you get this plan in their minds. You get the motivation going Now What’s next?
Julie: So one thing. I want to go back real quick. It’s not to dwell on the past. If you stay on the past too long, you’re not going to move forward. So I think it’s important to be grateful for the journey and learned those lessons through your experiences to help you track through your progress. That will bring your motivation. So back to the tactical peace once you have a spending plan. One of the things that like to do with the spending plan is I like to create a weekly spending in plan, but with a yearly range of you that would help me understand what is the impact of the actions that I’m doing today? The impact of what I’m gonna do this weekend? How is that going to impact by next month, you know, and it will also help me forecast my future so that I know how much I need to say for ex thing that I want to dio throughout the year so I think that bringing that awareness through those small steps on a weekly basis, I think that’s very helpful.
Dave: I love the approach to that. If you The fact that you look at it over a year is well because if you look at a daily, sometimes you can get a little discouraging. I say five bucks by not going out to you today I saved 10 bucks. What doesn’t seem like that much find bucks in two or $3000 monthly income. That’s not theoretically going to change my life. But what if I do that day after day after day for a 12 month period of time? Well, now I’ve got enough money. I can pay my insurance. Maybe maybe I could buy a new television said, If I need a new television, said maybe and go on vacation, whatever it might be that over time that amount adds up so much or hopefully plan for retirement if they’ve not done that part. So I love the approach that you’re taking there
Julie: exactly. So the next thing I would say is if you have debt, take care of that first. That is for sure. Interest and it really becomes counterproductive if you are allocating money to other areas like saving or, you know, even investing when you’re paying high interest on debt, take care of the past before you take care of your future. To me, paying debt while you are trying to save it’s like running up. An escalator is exhausted, so build a solid foundation on your finances before you can build for your future.
Dave: Great advice and one of the things to prosperity Nation I hope you understand about this, is you’re gonna hear a lot of financial investors. They’re gonna say Leverage yourself, put money out there and then just use leverage. Well, too bad things with that. And what Julie’s telling you here is so correct to bad things. With that number one, you get over leveraged in the market turns you’re going to struggle substantially. A number two. If you’re in a financial position where you have substantial amounts of debt, the chances of you getting a return that’s higher than what you’re actually paying an interest is going to be very minimal. The chance of doing that now, for people that are wealthy, they can borrow money at very cheap rates and are usually getting substantial returns on their investments because of having the right products completely different story. But for most of us, that’s not the case. So we need to be wise. Get those paid off nine or 10% rate interest loan is costing you probably hundreds of dollars a month that you don’t need to be spending.
Julie: And I always say, Take the opportunity and avoid the chance. You know, there’s a risk that comes with investing and you’re dead. Payment is probably the safest investment you can make that interest on that debt is there for sure, the interest that you can make on investing its structure rates
Dave: and we’ve hit one of those times right now in the economy that is very hard for people to see This I looked the other day as on Vanguard. I’m looking at some my counsel. They’ve done 28 to 30% over the last year. It’s very hard not to get sucked into that sale. I’m gonna put all my money in here. I could make 30%. Well, the reality of it is that’s not gonna last forever. It’s like every bus that we’ve ever had. We go back to pre 2008. We go back to pre 2000. When we have the dot com boom and bust, we have all these issues. That historical performance doesn’t read future results. So again, listen to what Julie saying Don’t get caught up in the hype of what’s going on thinking. Well, I’m paying 10% and make 30 because that 30 is not going to go on forever. In fact, if you look at historical retards, most of those investments are gonna show seven or 8%. Maybe not even that much,
Julie: exactly. Well, on the other hand, you might be preying on a credit card. That is that 27%? Absolutely. Yeah. So you have to think, Do you want to pay? Or the people do you want to pay yourself
Dave: and very wise advice. So, Julie, once we get the debt under control and start working down that process, what’s the next steps? What do we do next?
Dave: Well, I always think that people need to streamline and de clutter their finances to make it easier. The management, apart of finances having too many accounts can be confusing to people, so go paper less make things as easy as you possibly can make it, because if you become so overwhelmed you’re going to lose track and you’re not gonna be organized. You’re not gonna be able to see where you’re going on within your roadmap. The third thing I would say is automate out of made us much as possible. I think if you can make it easy for your money to go in the buckets where you wanted to go, that’s one less thing you have to worry about. And I think that’s one of the reasons why. Therefore, one case such a successful tool. It’s because you don’t see it. You don’t spend what you don’t see, and it’s automatic. I think if people had to manually put money on their 401(k), I can imagine probably at least half of the people would probably cancel some of those transactions. Every so often
Julie: very important rule. Pay yourself first, which is what’s being done when you automate your for a one case versus letting come later.
Dave: You’re exactly right. We’ve seen it. We see what happens when people are left to their own devices, where something’s gonna come up something always gonna pop up. But if it’s coming out on monthly basis, you have no issues. And I am a big fan of automation. I have almost all my bills automated anything that we don’t. My wife takes care of the rest. But we try to automate everything we can, so we just don’t have to worry about it now. With that, I think there’s one other concern, and maybe you can talk about the little bit. Julia’s If we automate payments, obviously people get them on there and then just pay forever, Not realizing that they’re still paying for stuff is that an important part of what you do is to analyze what, where the money is going to make sure people don’t have maybe a gym membership that they haven’t used in three years or a subscription to something that they’re not even using anymore,
Julie: right. I think you do need to automate your bills. However, that doesn’t mean that you’re going to overlook what your finances air doing. You do need to have complete control of where your money is going nuts with the spending plan comes along, you actually get to see where each dollar is going. And if you see that you know what I cancelled the subscription. Why am I still paying for it? Why is it coming out of my spending plan? So automating does not mean that you are not in control.
Dave: Automating is not ignoring those are exactly separate terms. Where do you see people waste the most amount of money? Is there one area that you see that most people can really start cutting the budget down?
Julie: The easiest area, I think where people can make improvements is eating out. People don’t realize if you actually looked at your finances on how much money you’re spending eating out easily, you can probably save easily 101 $150 a month. The other area that it’s not so easy for other people. I think it’s vehicles, you know that’s a little tougher, but if you can manage your expenses when it comes to transportation and food, I think you’ve won half the battle right there.
Dave: How do you get people to change their habits? I know I’ve had my own experience and on journey part of was helps ribbon that I had to change my habits. But when you talk to a normal person that used to eating out, maybe every day for lunch every weekend, how do you get them to buy into the fact that they need to start changing the Abbotts? And by doing so can have a whole different life?
Julie: Well, I’m gonna go back to that dream. No, I had ah client the other day, Who said I want to be a writer? I want to be able to quit my job and be a writer, so I always take them back to that dream. Okay, Well, if you really want to be a writer, this is what’s going to take. So choose your gonna have to make some tough decisions. Do you want to continue spending $20 on drinks on Friday night? Or do you want to make a couple of changes in order to be able to fulfill the streams? And And I don’t say people don’t spend its spend within your plan,
Dave: and I think that’s great advice, because we all still have to do certain things to keep ourselves saying to keep ourselves moving along. I mean, for one person, and that doesn’t mean, Hey, we’ve got to go out need every day to be able to keep ourselves saying Maybe it’s on the weekend. Maybe it’s once every four weeks, whatever it might be. I know for us, it’s been very interesting. Back last night, I was calculating it. We had Chicken Alfredo for dinner last night and I have three kids still home. So there’s five of us and I was actually calculating what it was costing us, and it ended up costing is about $8.8 to $10 for that bill. And we ended up having food for all of us to bring for lunch today. I thought if I would have gone out with three kids and my wife and I, the minimum we would have spent was $50 here on the island. Puerto Rico, I guess if we went to the cheapest fast food place, that may have been $25 but from average would have been at least 50. And here we provided to Mills for less than 10 bucks for all of us that we were super happy with. We all enjoyed it. My son cooked. We all loved the food, did he cooked. We’re just very excited.
Julie: Yeah, there are many ways to save. You can buy in bulk. You can find coupons. I mean, there’s so many ways to cut your expenses, but you really need to look at your budget and allocate an amount to each category and then keep your dream as your focus on where you want to be. I think that to me, that’s critical. Have you had that motivation there in mind? And I think, What? Once you have that motivation, then you know the things that you have to cut and you even get creative. You know what you have to do in order to get what you want, what you need and still fulfill those dreams.
Dave: It almost turns into a game. At least I see him with people we work with. I know in my own life it almost becomes a game to see. How much can I say? I enjoyed saving this so much. What can I do next? How can I adjust? But that doesn’t happen overnight, I realized for most people, it’s not gonna happen in the first month. In fact, for most people, I would assume the first month, at least my experience has been. It’s going like a honeymoon. They’re very excited about it. They’re feeling the pain. They’re getting excited about motivation. But then months 234 calm and all sudden, the temptations come in. The motivation may not be as clear as it Was. Any advice for the people is they’re going through that real time before they hit a point that it’s become a habit to get them through to the next step.
Julie: Well, I think that once you know what you want, you know what is that you wanted to do with your money? Focus on that carrot, But be mindful off your resource is if it’s a income problem, maybe you need to get a second job. If it’s spending problem, maybe you need to get creative with your budget and maybe need to get a roommate. Maybe you can get a a friend that can be your buddy and give you that extra motivation. You need to have that reason of why you’re doing what you’re doing. Back to what I was saying. It can’t be just for the numbers sake. If you’re just going about your spending plan, just because you want your numbers to be positive, that it’s a good thing. But it can easily on motivate you like he said it. And after a couple of months, you can easily derail. When
Dave: you look at your job as a coach, what is that timeframe usually look like? I mean, obviously there’s an initial period. I assume that there’s a lot of interaction, a lot of stuff being done, and then they’re becomes this point where people can to get it or put it together. How long are you saying that you’re usually happen to work with people to get them doing the things they need to?
Julie: My job is, the coach is not to be their coach forever. My job is the coaches to help them bring awareness to their finance, the things that are about going them with their finances and then educate them on the things that they need to understand in order to get them to where they want to be and empower them so that they can make better decisions on their own. I am there is your accountability partner and to hold your hand to through the process. But my goal is that in about six months they will be able to, on your own, understand the process master. They’re spending plan and be able to make healthy financial decisions.
Dave: One of the concerns that many people have when they’re starting with the coach is How can I afford a coach when I can’t afford everything else? What’s your answer to that? And tell people why that’s the wrong choice for them.
Julie: Well, I say how many people are at restaurants right now that are broke? Thank you. Let that, Yes. So think about some people say, You know, Coach is so expensive, and I say, compared to what you know, if I can show you how I can turn your finances around in whatever you end up spending, you will more than triple that by the end of the year. Wouldn’t you want to invest in that? Absolutely. It’s helping you bring awareness to your finances so that you can grow that investment is an investment for a short amount of time. For a long term return, you’re going to have that forever. You’ll be able to change your life with the things that you have learned and habits that you will ingrain, and that’s something that you’ll be able to take it with you. And
Dave: I really appreciate what you say there, because if you look at financial coaching, I see it much like a college education. You go to college so you can make money the rest of your life. What you get. Financial coaching. Just did you say you don’t lose that, you know, all sudden become financially done. Now you may make financially dumb decisions, but you know, in your mind still what you should be doing to make your finances work. And if you have a situation where you lose your job, you have a situation where finances get tough. Well, now you have the knowledge to get back out of it too quickly. Get out of it where, maybe before it took you a year, two years to get out of. Now, maybe in two or three months you can get out of it is the knowledge you have so completely agreed. The money that you spend on financial education financial coaching is going to pay off hundreds of times over during that your lifetime because it’s something you’ll be able to keep forever and It’s something you’re going to use forever. You know, I don’t still use that English literature class that I took in college. I’m sorry. That’s just not me. I’m not doing anything with it. But every day I spend money and every day I make money, and so it’s very important. I understand how I deal with it is a go for it. It’s safe for everyone else.
Julie: But what does That thing I would say is, you know, everybody’s in a different path. So I understand that all the things that you see, you know now on the social media era with Instagram and YOLO and foam Oh, and all those things, you can’t be worried about what somebody else is thinking. You just have to do you. So just like let’s say you need to go work out for a year to go to the gym. You know, that’s what you’re thinking. I want to be in shape. I need to go work out and we’re dating and you feel bad about it. Don’t worry about that. Just go. Just take that first step and go. They will be somebody there, me as a coach to guide you along and coach you through, know that you do deserve to be there. Don’t worry about what other people think. You know how people how you might perceive, because I think it’s it’s, ah perceived notion that people are judging you. You are in your own path and you’re setting yourself free.
Dave: Just because you’re broke financially doesn’t mean that you’re Broke as a person. I think what you’re saying. They’re so critical that people need to understand. We all have our own addictions. We all have our own problems. That’s part of life trials. Elvis gets stronger, they help us build relationships. So taken is an opportunity to learn, just as she said in the beginning. And Julie said in the beginning, don’t worry about the past. That’s over. That’s done. We can’t change it, but make the steps to go forward and get through those times again. Today we’re talking about finance, but it could be your weight will be out of alcoholism or some other addiction challenge that people have that we need help getting over, and as we spend time on it, we focus on it Pretty soon those weaknesses could become huge strengths in our lives.
Julie: and that I think that’s going to what you’re going to take with you. As lessons learned, you build experiences, you’ve made mistakes. Learn from those lessons. But move on. Keep a positive mindset that, yes, you can do it. And it’s not about income. Some people think, Oh, well, somebody has financial freedom because they make a lot of money. That’s actually not the case. A teacher or an accountant or person in I t In any kind of profession, you can make it in whatever kind of income. In fact, it’s been proven that many times the people with how your symptoms are, the ones that have the most debt because they feel the need to prove themselves to are the people they need to spend money on those things that show the perceived wealth. So it’s not about income. It’s not about income. Remembers how much you keep. That’s not how much you make.
Dave: money, definitely does not buy happiness. I saw that very early on in my accounting career. I worked with a lot of very wealthy people that were just buying stuff, they for buying multiple homes. They were buying all these cars. They were buying boats, all these things and what they were doing to spend their whole lives just taking care of their stop here. I was going and I go on vacation, staying a beautiful resort, enjoying my time’s been time my kids. They go to their beach house and spent half the week doing repairs and trying to fix the place up. And I realized that these people were just buying stuff that was just making their lives worse. In overtime, I’ve seen many of my clients sell their stuff just because it said it’s too much. I’ve got to get myself back to a point where I have a simpler life and very important prosperity nation that you do realize that income doesn’t re happiness. Yes, you’ve gotta have a certain level to be able to provide for the basics of life, but you can be extremely happy no matter where your income level is, as long as you’re moving forward and being responsible and taking care of the commitment. So you have so Julie. Unfortunately, at the end of the show, any parting comments that you would like to share to our listeners before we have.
Julie: I’m going back to what we were saying about having the right mindset. Keep keep your head up. I know that this is possible for you, regardless again of your income. It’s a matter of changing your mind set of what’s possible and wanting to have control of your money.
Dave: Thank you so much, Julie, could you let the listeners know how they can get a hold of you website? Whatever. That’s best way to get in contact with you.
Julie: Absolutely. So I’m online on the money wisdom coach dot com. You can also find me on Facebook and on Instagram.
Dave: Julie, thank you so much for being on our show today.
Julie: Thank you for inviting me. It was it was truly my pleasure.
Dave: Prosperity Nation. You have been listening to the prosperity gap. We met Julie Judd with us today. Hopefully have gotten some great tips Insights to help you get started on your financial journey to start making those changes that you need to make to achieve financial freedom.
Our show today has been brought to you by Etrends tax and accounting again. If you’ve not had a chance to file your income tax return yet you need help. Goatee trends group dot com. They have a number of packages to help make sure that you get your tax and accounting needs taken care up.
In the meantime, good luck as you try to bridge your prosperity gap between the life you’re currently living on, the one you should.
I am a certified Personal Finance Master Coach with a passion to help others get a handle on their finances to achieve prosperity and complete financial peace.
I do not sell insurance, investment funds, accounting or legal services. As my client you will only pay for the time you need.