Dare to Change Life Coaching & Mentoring

Tag: Dreaming is a form of planning

Vlog 1 Living Through Adversity: Why We’ve Got to Keep a Wider Perspective

The word CRAZY describes well our reality right now.

We experience major disruptions in our lives… unprecedented disruptions.

The human toll, the health scare, the economic crisis, and the financial markets plunge cause many to feel overwhelmed, fear and even panic. You know this already.

And during times like that, it’s SO important to keep a wider perspective. To be the source of calm, reason and love for those around you.

They need you to model “normalcy” in these crazy, uncertain times… which means you’ve got to stay on top of your mental game AND keep a wider perspective.

That’s what this week’s video is about – why we’ve got to keep a wider perspective right now.

To Your Health, Wealth and Freedom!

P.S. this crisis WILL PASS.

And it might be a good time to start planning for your future. I want to offer you a GIFT – Wealth Planner – so you leverage the extra time you may have now to prepare yourself for the next phase in your life and secure your future.

CLICK HERE to download your FREE Wealth-Planner

March 28, 2020
The 7 Best Financial Planners and Trackers
If you’re planning for more abundant 2020, you’ll need some simple and fun tools to help you. Financial planners and trackers are some of the best tools to plan your prosperity. Specifically, I am referring to paper planners where you can write your thoughts as well as numbers.

It’s been noticed that people are more likely to act on their hand-written goals and visions than simply keeping these goals in their heads or using digital planners and financial software. I believe the reason for this psychological phenomenon is the emotional attachment to what we write on paper…. With this being said, I realize that paper planners are not for everyone yet many people enjoy the “old way” of planing their financial affairs and that’s why I decided to share with you the 7 best financial planners and trackers.

Which financial planner or tracker is best for you?

In this article, I’m going to share a range of financial planners and why they’re good. The planners are listed in no particular order, so you will find high-end planners followed by budget planners. Choose the financial planner that best fits your budget and your needs.

The Happy Planner & Home Finance Kit

The Happy Planner is the popular brand of planner in the U.S and readily available via Amazon. By adding the inserts to the planner created by Me and My Big Ideas you’re extending it.

What the Happy Planner Contains:
The Happy Planner is a popular planner created by Me and My Big Ideas. This 18-month planner is dated from July 2019 – December 2020 and is filled with creative and inspirational Artwork to help make you a Happy planner
The Happy planner is an expandable, disc-bound planner system that combines your love for creativity with your need for organization
- 1, undated, 12-month big Happy planner
- Stickers; sticky notes; pen; and pocket folder
- Variety of designs to suit your taste or decor
- You can select a Faith, Cooking or Fitness variation
- 14.6 x 13 x 1.4 inches in size
The Happy Planner easily fits into your purse or your kitchen drawer. On its own, the Happy Planner isn’t enough for good financial planning. The good news is you can expand the planner with inserts and kits. The Happy Planner has its own finance option, I prefer the additional flexibility of the Home Finance Kit for financial planning.

As the Happy Planner is disc-bound, you can lay it flat to write in.

What the Home Finance Kit Contains:

This set of finance inserts for your Happy Planner will enable you to plan and track all areas of your budget. Designed especially for your Happy Planner, by Natalie Rebecca Designs, these inserts are printed on premium paper ensuring that they will hold up to continued use. Your home finance kit contains enough forms and inserts to cover the entire year!
- Monthly Budgeting Form (12 forms, 6 inserts double-sided)
- Expense Tracker (12 forms, 6 inserts double-sided)
- Account Information (6 forms, 3 inserts double-sided)
- Vehicle Maintenance Tracker (4 forms, 2 inserts double-sided)
- Bill Tracker (1 insert)
- Debt Snowball (1 insert)
These pages are perfectly sized for your Happy Planner and come already punched so you can use them straight away. All pages are printed black and white- any titles that are in color are shown to demonstrate how easy it is to customize these inserts to coordinate with your layouts!

You can order both the Happy Planner and the Home Finance Kit via Amazon. Delivery is fast and remember you will need both for effective financial planning and tracking.

[thrive_link color=’blue’ link=’https://www.amazon.com/BOX-112-Create-Planner-Undated-Big/dp/B01MTTDHUN/ref=sr_1_4?s=arts-crafts&ie=UTF8&qid=1513279760&sr=1-4&keywords=happy%2Bplanner&th=1′ target=’_blank’ size=’medium’ align=”]The Happy Planner[/thrive_link]

[thrive_link color=’blue’ link=’https://www.amazon.com/Finance-Planner-Expense-Snowball-Included/dp/B01EJZ5MZE/ref=sr_1_15?ie=UTF8&qid=1513278016&sr=8-15&keywords=financial+planner’ target=’_blank’ size=’medium’ align=”]Home Finance Kit[/thrive_link]

Investment for both items, combined, is approximately $55.

The Personal Finance Planner

The Personal Finance Planner is one of the most popular finance planners online. It comes in several designs, and is coil bound so that it lays flat when you write.
- 6″x9″ size – portable and functional
- Durable Metal Spiral Binding
- Hard Cover w/ Inside Pockets
- Thick & full-color Pages
- Sticker Sheets
- Monthly budgeting & Bill Templates
- Financial Goal-setting pages for debt and savings
- 12-month undated layout
- Monthly calendars
- Weekly scheduler w/ meal planning section
- Weekly Grocery shopping lists
- Monthly Goal-Setting pages
- Debt Reduction tracking
- Gift Planner for birthdays & holidays
- Cash envelopes for Cash Budgeting w/ Custom Stickers
The great thing about the Personal Finance Planner is the inclusion of the debt reduction tracker and the gift planner. There are also cash envelopes to remind you to put aside money for savings. The downside is there’s no section to track your spending.

Delivery Via Amazon in 1-2 days.

[thrive_link color=’blue’ link=’https://www.amazon.com/Financial-Planner-Organizer-Budget-Book/dp/B071L4WWZZ/ref=sr_1_13?ie=UTF8&qid=1513278016&sr=8-13&keywords=financial+planner’ target=’_blank’ size=’medium’ align=”]The Personal Finance Planner[/thrive_link]

The Freedom Planner

The Freedom Planner is a plain, teal colored planner that will help you plan all areas of your life as well as finances. The Freedom Planner comes with goal prompts & a step by step goal planner layout that NATURALLY works WITH your brain, not against it.
- Establish your goals and dreams (Freedoms)
- Design an action plan to reach them
- Stay organized
- 2-page spread per Week including room for tasks to execute goals and coordinating daily appointments/schedules
- 2-page spread BEFORE each month to help you plan ahead and a 2-page spread AFTER each month to help you evaluate the quality of your month
This style of planner is suitable for the more experienced financial planner. There’s space for reflections and it will help you keep track of your goals. Whilst not specifically designed for financial planning, because it’s style and layout work how your mind works, it’s popular for financial planners. If you’re prone to procrastination this is the planner for you.

At approx $34 this is a mid-range finacial planner.

[thrive_link color=’blue’ link=’https://www.amazon.com/Freedom-Planner-2018-Productivity-Guaranteed/dp/B075ZBLCFM/ref=sr_1_12?ie=UTF8&qid=1513278016&sr=8-12&keywords=financial+planner’ target=’_blank’ size=’medium’ align=”]The Freedom Planner[/thrive_link]

The Grateful Organizer and Financial Planner

If you read my posts regularly, you’ll know I’m a big fan of gratitude and it’s power to transform your life. The Grateful Organizer is a simple and effective finance planner. There’s just enough room for finance planning as well as two dot grid pages for notes.
- 5.25 x 8 in – sized to fit into your purse
- 12 Month Planner
- Track monthly and daily spending.
- Monthly Overview” page including monthly income, monthly budget, expenses, and savings for an at-a-glance overview of your spending.
- “Monthly Budget” and “Savings Goals” page to help calculate a monthly budget.
- “Monthly Spending” page including space to track monthly expenses like rent or mortgage payments and day-to-day expenses.
- Two Dot Grid Pages for notes, to do lists, etc.
This financial planner is lightweight. At $6.99 it’s the perfect financial planner for those on a very tight budget, or you’re new to financial planning and don’t want to invest until you’ve worked out what to do. I prefer to have more space for notes in my planners.

Delivery, via Amazon, is very quick.

[thrive_link color=’blue’ link=’https://www.amazon.com/Choose-Grateful-Organizer-Financial-Budgeting/dp/197639404X/ref=sr_1_22?ie=UTF8&qid=1513278430&sr=8-22&keywords=financial+planner’ target=’_blank’ size=’medium’ align=”]The Grateful Organizer[/thrive_link]

The Ultimate Financial Planner

The Ultimate Financial Planner includes everything you need to help you master budgeting, track expenses, set and achieve financial goals, and create a debt repayment plan that works with your lifestyle. The planner is customizable and suitable for women with all kinds of financial goals.
- Financial Goal-Setting Worksheet
- Debt Repayment Planning Worksheet (with Instructions)
- Monthly Payment Due Date Worksheets (for each month)
- Monthly Budget Worksheets (for each month)
- Monthly Expense Tracker Worksheets (for each month)
- Quarterly and Yearly Check-Ins
- Money Affirmation Pages
- Inspirational Quotes
- Undated, so you can start anytime
- Size: 7” x 10”
- 70 Pages
The goals setting pages are very good and there’s plenty of space for notes. This planner is a paperback planner, so it will not lay flat when you write in it, but the binding is good quality so it should hold up under daily use.

At just $19.99 and fast delivery from Amazon, you will find you’re tracking your money in no time at all.

[thrive_link color=’blue’ link=’https://www.amazon.com/Ultimate-Financial-Planner-Tara-Jones/dp/0692814469/ref=sr_1_11?ie=UTF8&qid=1513278016&sr=8-11&keywords=financial+planner’ target=’_blank’ size=’medium’ align=”]The Ultimate Financial Planner[/thrive_link]

The Super Fab Financial Planner

The Super Fab Financial Planner is aimed at Millenials, but women of all ages will enjoy this planner.
- Never miss a payment again
- Free up extra cash by tracking daily spending on the Daily Expense Tracker
- Eliminate your debt with an easy-to-use debt repayment plan.
- Keep account information all in one place so you never forget your passwords again.
- Receive motivation throughout the year to achieve your financial goals and create the life you deserve
- Money talks and transition pages
- Gratitude included
This is a paperback financial planner and like the Ultimate Financial Planner is just $14.99.

[thrive_link color=’blue’ link=’https://www.amazon.com/Super-Fab-Financial-Planner/dp/1517532841/ref=sr_1_8?ie=UTF8&qid=1513278016&sr=8-8&keywords=financial+planner’ target=’_blank’ size=’medium’ align=”]The Fab Financial Planner[/thrive_link]

Mead Expense Tracker and Bill Organiser

The Mead Organizer Expense Tracker is an undated, reusable planner that allows you to keep track of what’s coming in and going out in an 8.5 in. x 11 in. binder. There’s also a current and future year monthly reference page.
- Keep track of your spending with one comprehensive financial tracker
- Worksheets help you monitor expenses and cash flow; 12 monthly pockets hold bills and receipts; tuck other items into one of two clear folders
- Three Tech-Lock poly rings with fabric that stands up to wear and tear
- Download additional budgeting pages online
- Elastic cord keeps everything together
At 14.99 this is another reasonably priced financial tracker.

[thrive_link color=’blue’ link=’https://www.amazon.com/Mead-Organizher-Expense-Organizer-64047/dp/B00GDDUXJG/ref=sr_1_3?ie=UTF8&qid=1513278016&sr=8-3&keywords=financial+planner’ target=’_blank’ size=’medium’ align=”]The Fab Financial Planner[/thrive_link]

These 7 financial planners and trackers will help you get 2020 off to a great start!

Until next time… stay empowered.

With Love and Gratitude,

Millen
December 22, 2019
Odd Holiday Message
I believe you’re reading this because you’re not where you want to be financially in your life.

Because there’s a gap between your aspirations and your current financial reality.

Yes?

And I also suspect you have tried to change your financial situation before. Probably a few times….

Tight budgeting? Done.

Money mindset program(s)? Done.

Dabbling with stock investing? Done.

Investing in your own business? Done.

You may feel like you’ve tried so many things already yet without a dent in your bank account’s balance, let alone an improvement in your financial new worth.

Does it sound a little like you or someone you know?

You’re so not alone!

I certainly can relate…

It was December 2008… I was sitting in front of my computer in my small rental apartment…after massive losses in my investment business, car accident, divorce…

Feeling hurt, scared and overwhelmed, looking at my bank account balance (after paying the divorce attorney)…and thinking:

“How the hell did I get here? How did I get to this financial mess?? And is there a way out from here?“

Well, I now know that the answer is an unequivocal YES!

I just couldn’t see things clearly at that time – I was too close to my troubles, really stressed and focused on what wasn’t working in my life (which felt like EVERYTHING during that time).

Look…whatever your financial situation may be right now, it’s NOT the end of your life story. It’s just a chapter and…likely, a wake-up call.

There is always a way out and way forward if you choose to make real change, instead of ignoring the need for change by putting another Band-aid on the situation…

Change is not something that most people seek or welcome when there is not enough “pain.”

Change is often uncomfortable, unpredictable, and even scary (because it’s unknown).

And it seems that human nature is such that we delay/avoid/ignore a need for changes in our lives until things get really ugly.

Until we get so uncomfortable/hurt/disturbed that we can no longer go on with businesses as usual.

Why am I talking to you today, during the holiday season, about the real change?

Because I see too often that people wait…and wait…and wait until they lose their health, relationship, money, hope…

Because this is the time of the year (Hanukkah, Christmas, New Year) to MAKE TIME and reflect on your life experiences.

It’s the time of the year to make plans and contemplate what you want to let go of, what you want to have more of, and what you want to accomplish next year…

So, I encourage your to MAKE TIME for yourself, print and use my Wealth Planner (click HERE to download it right now) and really immerse yourself into “your mind’s journey” that this Wealth Planner takes you on.

Create a BIG picture for your journey to Financial Independence:
1. Start with WHAT you want to create/experience;
2. Dig out the skills and experiences you already have and those you may need to upgrade/acquire;
3. Outline money habits you’ve got to change, old thinking patterns that must stop and the new ones you want to practice more;
4. Assess your environment and inner circle (what/who do you want to keep and what/who to let go?);
5. Decide what changes you want to see in your physical and emotional body.
If you feel like “I know it already”, consider that this Wealth Planner is a tool to “re-mind” your old conditioned mind so that you allow yourself to snap from “survival” or “just enough” state and leap to elegant joyful State of Creation.

So, yeah, this is my “odd holiday message” to you.

Let me know how it lands on you. What resonated? What frustrated? What inspired?

To your Peace, Power and Prosperity!

P. S. Some REALLY cool Wealth trainings are coming your way in 2020. But I have something SPECIAL FOR YOU RIGHT NOW!

Something that would help you JUMP START Your Investing Journey OR RE-CALIBRATE it for better RESULTS.

I am talking about The Wealth Collection Holidays’ Special – a bundle of my most transformational and insightful programs that focus on helping you make your money work for you.

AND you can own LIFETIME access to these programs with the incredible 70% OFF (SAVING $700) if you ACT by January 1, 2020!

Wanna look what’s inside?

Check it out here: WEALTH COLLECTION HOLIDAYS’ SPECIAL
December 13, 2019
Your Big Badass Dream Plane & THREE Levers to Upgrade Your Financial Life

What would it take for you to feel wealthy?

How many millions?

Or maybe just having “more than enough”?How many homes/yachts/planes?Or maybe just having more choices?How many children/husbands/lovers? (OK, this topic is for anothertime/place… LOL)Or maybe just having more free time, working less?Obviously, being wealthy means different things to different people…And it’s great to have Audacious BIG Badass Dreams.And my question to you is: “Are you actually ready to bring your currentfinances into harmony with your BIG Badass Dreams?”Because dreaming BIG is great! However, in order to take this BIG BadassDream plane off the ground, you’ve got to get very clear about it (is it REALLYworth the efforts?), then map your way forward and learn to pilot it, so youcreate the momentum.Because if you don’t… well, let’s stay positive here.So, what is your “BIG Badass Dream” plane?What do you REALLY want for yourself and your loved ones?

Can you describe it as if you were living it in the present moment?What do you do, what do you feel and see, where do you live, who are youwith?Make time and space for yourself to “normalize” your Big Badass Dream –make it SO NORMAL that you start embodying this dream!Then you can get to map your way forward.How do you map your way forward?By mapping your money according to your desired level of financial fitnessand using three cash flow levers to accomplish your desired results.Money Mapping is about discerning what’s REALLY important to you in life(and this may change as you go through different phases in life) and thendesigning your lifestyle so that it supports your values and your BIG dream.Money Mapping is Budgeting 2.0, because it’s NOT just about counting everypenny you spend on groceries. That’s tedious and unnecessary for mostpeople.Money Mapping is about you focusing on your BIG Badass Dream, translating itinto numbers, then reverse-engineering it into the money map so that yourlifestyle and choices are coherent with your goals.In my programs, I talk about 4 stages of Financial Fitness:1. Less than enough2. Just enough3. More than enough4. AffluenceYOU DECIDE what financial fitness level is next for you. THAT will determineyour spending patterns, your saving patterns and your investing patterns.That’s what the money mapping is for.

My clients come to me at different levels of financial fitness spectrum and withvery different ambitions. And they ALL evolve to much higher but differentfinancial fitness levels. Because they have different definitions of “wealth.”That’s why I asked you at the beginning “What would it take for you to feelwealthy?” Your answer will determine your specific money map.In other words, your answer to this question (which only YOU know theanswer to), will guide your choices and financial decisions.For example, you may have a BASIC money map (to track your money, youcan use an Excel spreadsheet or an app) that reflects just basic needs(groceries, rent, utilities) and paying off debt. This may support a simplelifestyle, living debt-free, in a rural area, and have less pressure…Then you can create another COMFORTABLE money map that will includesome comfort items like massage, mani & padi, trips, restaurants, privatecoaching, etc.Finally, you can create another AFFLUENT money map that will cover allyour intentions and desires – from millions in the bank, to having a personalchef, jet-setting to French Riviera, and having vacation homes in resort-likelocations.Having these money maps will help you “land” your BIG BADASS DREAMplane with concrete numbers that will back it up, support your desired lifestyle.Finally, the time for the HOW question. What levers do you have to controlyour cash flow and upgrade your financial fitness?I invite you to consider these THREE levers to control your cash flow:1. Income2. Budget (pattern of spending)3. DebtAnd here are THREE ways that you can use to improve your cash flow:1. Identify your current ‘financial leaks” and make necessary adjustments.2. Brainstorm and uncover additional long-term sources of in-coming cash.3. Brainstorm and uncover immediate prospects for incoming cash flow.In summary: You Big Badass Dream can be your reality. Being FinancialIndependent is NOT a pipe dream. You’ve got to get your money map inplace, get strategic about your choices and get this plane onto the runway,ready to take off.

With love, health and wealth

P.S. If you feel sick and tired of being restricted by money, feeling worryingabout your retirement, anxious about investing – let’s connect! Here’s the linkto schedule a complimentary Money Breakthrough session with Millen.What do you have to lose? Fear, money anxiety, indecisiveness. What youcan gain? Clarity, direction, specific strategies and concrete steps to moveforward.

April 27, 2019
7 Steps to Regain Control Over Your Money: Step #7 – Be strategic with your money

You work hard for your money – whether you are an employee or a business owner – you want to make more money. Right?

Well, how about managing your money strategically so that your money works for you and your family?!

That’s what Step 7 is about – BEING STRATEGIC with your money!

Here are some aspects of being strategic:

1. Diversify your investments to maximize your results.

If you want to be a good investor you’ve got to know how to manage risk because ANY investment entails risk.

And diversification is one of the most important risk strategies.

When it comes to managing risk to maximize your return, it pays to diversify.

First, you can diversify among the four major asset classes: cash, stocks, bonds and real estate.

Once you decide on the amounts to allocate to these four main investment classes, it is important to diversify within each asset.

This means buying multiple stocks within a variety of industries, holding bonds of varying maturities, having different real estate properties in different locations.

In other words, don’t put all your golden eggs in one basket.

Also, don’t make the mistake of putting most or all of your money in “safe” investments like savings accounts, CDs and money market funds.

Over the long term, inflation and taxes will “eat up” the purchasing power of your money in these “safe investments”.

All investments involve some trade-off between risk and return.

Diversification reduces unnecessary risk by spreading your money among a variety of investments.

Besides diversification, the single most effective investment strategy is to invest continuously over time, with a long-term perspective.

2. Grow your money by taking advantage Of tax-deferred Investments.

If your employer has a tax-deferred investment plan like a 401(k) or 403(b), use it!

Often, employers will match your investment.

And even if they don’t, no taxes are due on your contributions or earnings until you retire and begin withdrawing the funds.

Tax-deferred savings mean that your investments can grow much faster than they would otherwise.

The same logic applies to IRAs, although the maximum amount you can invest annually in an IRA is substantially less than what you can put in a 401(k) or 403(b).

3. Use the protection provided by insurance

It’s wise to protect yourself, your family and your money by having an adequate insurance coverage.

A major lawsuit, unexpected illness or accident can be financially devastating if you lack proper insurance.

The key to insurance is to cover only financial losses so large that you could not cope with them and remain financially fit.

If someone is dependent on your income, you must have adequate life insurance.

Long-term disability coverage is important as long as you need employment income.

Also, be sure to carry adequate liability coverage on your home and auto policies.

To save on annual premiums, you may choose to raise your insurance deductible.

And whenever you purchase insurance – life, home, disability, or auto – be sure to shop around, and buy only from a reputable firm that has a history of being solvent and paying insurance claims.

4. Plan your financial legacy

You want to have a will to ensure that your funds, property and personal items will be distributed according to your wishes.

A will is a legal document that ensures that your assets will be given to family members or other beneficiaries you choose.

Having a will is especially important if you have young children because it gives you the opportunity to assign a guardian for them in the event of your death.

Although wills are simple to create, about half of all Americans die without a will.

With no will to indicate your wishes, the court steps in and distributes your funds and property according to the laws of your state.

To prepare a will, take an inventory of your assets, outline your objectives and determine to which friends and family you wish to pass your possessions to.

Then, when drafting a will, be sure to include a name of a guardian for your children, name of an executor, and an alternate beneficiary.

Once your will is drafted, you won’t have to think about it again unless your wishes or your financial situation change substantially.

And that’s a wrap for the mini-class series “7 Steps to Regain Control Over Your Money.”

Share your insights and questions in the comments!

To your Health, Wealth and Freedom

P.S. Join me for a game-changing training – Financial Freedom Game Plan Masterclass. No credit card required! Reserve your spot HERE:

http://daretochangelife.com/financial-freedom-gameplan/

April 13, 2019
This ONE Thing Could Literally Change Your Life

So, the 2018 is officially over with all the successes, challenges, breakdowns, breakthroughs, changes, and transformations.

It’s a NEW YEAR, a NEW AGE and a NEW PARADIGM!

And as I heard from one spiritual guru recently, the energy of this year is “Seize the day.”

In other words, when opportunity knocks, welcome it and run with it. And if challenges get on your path – don’t panic or curse your luck. Find a way to perceive them as…opportunities in motion. Opportunities to learn, grow, and expand.

This week, I had a privilege to speak to an amazing beautiful 94 years young woman. She has this special spark and charm that is hard to describe in words… One might guess that her life was easy, joyful and fun. Yet it was anything but easy…

During the WWII, she lived under Nazi’s occupation in Lithuania, escaped, became a refugee and lived in different countries before coming to America; was divorced, remarried, then lost her second husband to cancer…

She raised two wonderful daughters as a single mom, learned how to master her money, became an investor, achieved financial independence, and became an amazing painter after leaving her professional career as a chemist.

Her house looks like an art museum… Her many paintings reflect her rocky life journey.

So, I asked her if she could distill all her experiences and wisdom into ONE thing that really matters… ONE thing that helped her overcome enormous obstacles and go through many personal challenges…what would it be?

She looked at me, smiled and said: “The only thing that truly matters is whether you’re happy inside despite your life situations…” Then added softly “I am happy inside.”

“All the time?!”- I asked with some sense of astonishment in my voice.

“NO”, she responded. “Not all the time! About 95% of the time.”

I smiled…

Can it really be THAT simple?

Yes, I believe it can. And it’s a matter of choice.

Today you can choose to focus on problems, react to challenges in your life, compare yourself, and feel powerless and unlucky…

OR

You can choose to focus on solutions, on what “works” in your life.

You can choose to believe that you can do anything.

You can choose to release what no longer serves you.

You can choose to accept your current life situation and thrive for better.

You can choose to love yourself just the way you are, without any need to prove anything to anyone.

You can choose to better yourself and your life through new knowledge and expanded awareness.

You can choose a new way of being.

It does not happen overnight.

It does not happen because it is a New Year.

It happens because you consciously choose every day what you give your attention to, what thoughts you allow to dominate, what words you use, what habits you practice, what boundaries you establish, and how you re-calibrate your feelings.

Be kind and loving to YOU. At least 95% of the time. LOL!

That’s my intention for 2019 in addition to helping as many women as I can to master their money and experience more EASE, PEACE and FREEDOM.

And that’s why I have a question for you.

If you could sit down with me for a cup of coffee, what would YOU want to ask me? What top one or two questions you’d like to ask me?

Just message me or write in the comments below your questions.

To your Health, Wealth and Freedom!

P.S. I’m serious! Go ahead and message me or write in the comments below your questions. What would you ask me?

January 3, 2019