Welcome to the elevated edit podcast.

I'm your host, Blakely Ramsey.

And the goal of this podcast is to discuss all things personal development, wellness, and the art of editing your life in an elevated way.

From mastering morning routines to mastering your mindset.

We're going to sift through the noise and empower you to take elevated action.

Make sure you catch the show notes.

For all the details.

Enjoy the show.

Hello, everyone, and welcome back to the elevated edit podcast.

I'm your host, Blakely Ramsey.

And today we're diving into some real practical wisdom about wealth building.

And who better to talk about it than Nicole Stanley?

Nicole is the owner and head money coach at Arize Financial coaching, and she's all about accessible, shame free financial education, empowering women to build wealth and change their lives.

She's been featured on Good Morning America, Yahoo.

Finance Time, ABC News, and more.

So, you know, this is going to.

Be a great episode.

Let's jump right in.

Nicole, welcome to the show.

I am so happy to be here.

Let's jump right in.

I know my listenership is so excited to hear all about you.

If you could start with your incredible story going from 30k in debt to over $250,000 in net worth on an average size of $56,000.

I mean, when you hear it, it sounds just kind of unbelievable.

So I would love if you would dive right in.

Yeah.

So my financial journey started at, you know, like, most people's when we were kids, right?

So I grew up in an upper middle class family, and I remember seeing, you know, financial conversations from a very young age.

And so I kind of internalized from my parents that, you know, money was something that equaled stress.

And I think that was because I saw my dad, who worked for, you know, Microsoft in the early two thousands and was really doing well financially, but that didn't always translate to our home life.

And so I internalized that stress for when I first got married to my husband in 2015.

And I was somebody who believed, you know, money, it doesn't really matter.

We have love, right?

And I saw my money stress kind of like take over my early marriage.

So we started in about $30,000 worth of debt, and it really took over our home life.

So my biggest breaking point was when we were sitting at the kitchen table and I was planning our wedding budget.

And I remember looking at him after having, you know, one of my first panic attacks with planning our wedding budget and asking like, babe, if we can't plan this $10,000 wedding where our friends are bartending and our friends are making the cake.

How in the world are we going to afford a life together?

And it was kind of then that we realized something needed to change, and that what we were doing in terms of just making a budget that wasn't seeming to work wasn't enough.

So we enrolled in our first personal finance course when we were engaged.

And I would say that our personal finance course really changed the course of our life together, because I became, like, a total money nerd.

So I started reading the books and doing the things, and we really changed our life around because we started by first paying off our debt, so we paid off $30,000 worth of debt in ten months.

But then we started to see what else we could do with our money.

So in the first few years of our marriage, we were able to pay off our debt, build our savings, buy our first home, and also hit our first six figures invested in the stock market.

And we did this all on just $56,000 a year, which is why I love kind of sharing that.

And it was through making those changes that we started to notice, like, our stress level going down in life.

And I didn't know financial coaching was a industry, was a concept, anything like that.

I just started to help friends and family, um, for free for many years.

And it wasn't until my husband got furloughed in 2020 that I kind of looked at what I had been doing with people and saying, hey, you know, I really love helping people with their money.

I wonder if this could be a business.

I wonder if this could be something that I do formally to help more people.

And so in 2020, I launched arise financial coaching, and since then, I've been able to help over 600 people become more confident with their money, be more successful with their money.

And now I love talking about financial stress because I believe so many people are experiencing this and they don't realize that there is a way out, that you can make a plan, but it really does start with deciding, you know, enough is enough.

I want a new story.

Wow, that is truly an incredible story.

And a question that popped up when you were speaking.

Do you find that most of your clients are women?

I feel like, especially in the groups that I am, and it's very uncomfortable to talk about money.

And I think as women, we sometimes hold ourselves back from, like, just facing that.

Yeah, it's sometimes, you know, scary and not fun to talk about, but we just don't even have those conversations to begin.

So do you kind of see that with your.

Your audience?

Yeah, I think that because of my story, I naturally attract women.

I've worked with a lot of men, but at the end of the day, money is the thing that controls our life, right?

Like, money controls the clothes we wear, what we do for work, where we take our kids, how we relax, where we live.

Like, money touches everything.

And women, I think, have particularly kind of absorbed this culture of like, it's rude to talk about money or it's kind of not nice to talk about money.

But I think that's why I'm so passionate about bringing this topic up for women, because we all feel the experience of when we're stressed about money, right?

Like, we feel it.

If you're listening to this podcast right now, like, you're somebody who thinks about money.

And most women are involved in the management of household finances.

And so we kind of need to be the pioneers to talk about it because there is nothing wrong with talking about money.

It's just a skill.

It's just a thing, right?

And I think that that's like a really powerful culture shift that women can start to take part in.

Because when we feel more confident with our money, we're going to feel more confident in our life because we have more choices, right?

Like most women, I would say, are not motivated by, like, I've got x amount of money in a savings account.

We're motivated by choices, right?

We want to live where we want, work how we want, raise our kids how we want.

And so money in itself is actually a very feminine issue.

Absolutely.

I love that you kind of, like, your words are very empowering when you say that, because it does.

You're right.

Options do give you so much freedom.

I saw a TikTok about that earlier, and she was, you know, going into, you know, that's, she didn't feel like she was, you know, connected with her higher self when she was talking about money.

But she said, you know, eventually I learned that that is me serving my family is to, you know, have these upfront conversations about money, even though, you know, there is this perception out there that it's sturdy or, you know, it's evil or, you know, whatever words people have been putting towards money.

And so I love that you mentioned that, and I love that you're out here talking about this.

So a lot of people think that building wealth requires a super high income, but you did it on a pretty average salary.

What were the key steps that helped you get there?

So I think that one of the biggest myths in the financial world is that we have to wait until we hit a certain income level to start making progress with our money.

And I think a lot of people, what's funny is, like, a lot of us have that number in our mind as a number that's just higher than what we're currently making, right?

Like, if you're somebody who makes six figures right now, I bet you five years ago you said, I'll make progress or I'll pay off debt once I hit six figures and I'm making six figures.

Or people who make six figures say, well, once I make x amount more, I just need x amount more.

And really what it is is it's just like a carrot in front of us.

Like, one of the most powerful realizations that I see my clients make is that they have maybe said, oh, once I do x or once I do y, then I'll make financial progress.

And that typically isn't the case.

Right.

And so I think a powerful concept is to believe, hey, I can start making progress with my money today with the income I have, with the amount of kids I have, with the age that I have, the amount of debt that I have right now, that's actually, like, a really powerful idea.

And I think it's really, like, empowering, because when we believe progress is possible, now, we're more likely to take action, which means we're actually going to make progress.

So if you're somebody who's kind of, like, in that mindset, I would start to ask yourself, hey, is this actually like, a real kind of thing that I'm waiting for in terms of making more money?

Or is it just something that I'm used to saying?

And 99% of the time, people are used to saying, well, I saw my parents say that, or I've been saying that for the past five years, but I've actually gotten these raises, like, what can I start to do now?

I love that.

And I love that you mentioned that it's a mindset shift, because I used to be so, and I still am, you know, it's a work in progress.

I feel like, as you get to every level.

But I used to say, okay, when I saved a $$1,000, I'm going to, you know, do x, y, and z, but then you get to $1,000.

And for me, I self sabotaged.

And, you know, I would hit a curb and have to go get a new tire.

And so all the money that I was going to save, well, life just happened to me.

I had to go get a new tire.

Or, you know, whatever happens that we kind of self sabotage.

And we look for those problems.

And I have noticed that it happens at every level.

You know, 10 00, 10,050, it doesn't matter.

As long as you don't change that mindset, that issue is still going to be there.

So I love that you touched on that because I think that's so real.

I would love to talk about investing.

So investing is something that stresses me out a little bit, I'll be perfectly honest.

And that was why I was so excited to have you on.

And I think fear and lack of knowledge holds a lot of people back.

How did you overcome that fear?

And what advice would you give to someone just starting out of.

Yeah, so I love that you bring up the fear around investing because you are not alone.

Like every woman and most, I would say, like average people feel very intimidated by the concept of investing.

And one of my favorite things about being a financial coach is that I spend all day explaining to people how simple investing is and watching them realize how simple it is when they start to learn.

Right.

And so the first thing I want you to know is that the idea that investing is complicated and very, very, you know, I don't know, like, difficult is actually a marketing scheme.

So the financial industry wants the average person to feel overwhelmed by investing, because if we feel overwhelmed by investing, we are more likely to hire someone to do it for us.

And the truth is, investing is actually very simple.

It does not take a ton of math.

It does not take a full degree to be somebody who knows how to invest and starts investing.

But it's that very principle that keeps people from learning about it.

And so one of the things we do with all of our clients is we do, we focus on investing education and investing empowerment.

Because, you know, I believe that if you're somebody who went through grade school or middle school, you can actually understand how investing works, which I think can make people realize, like, wow, this is doable, right?

Like, if I can learn how to do this, I can order a book, I can start to do this.

I don't need to hire someone to do this for me.

And so, you know, if you are somebody who feels overwhelmed by investing, I want you to know it is simple.

You can learn.

Now, granted, does that mean you can just do it willy nilly without any education?

No, that would be irresponsible.

Right.

But if you've learned how to do laundry, if you have learned how to do your taxes a little bit or what information you need, you can learn how to invest.

Just a matter of, okay, do I want to set aside a weekend to read a book or a couple weeks to start to learn on my own.

But investing is very, very simple.

And the idea that it's too overwhelming is not true.

Because you are smart, you can definitely learn how.

Wow, that was such a mindset shift for me just then.

I mean, literally.

And it's crazy because I do have a marketing background.

Normally, I can kind of see through the marketing schemes, but I've never thought about investing in that way.

I think that is such a powerful mindset shift.

And, you know, all, like, hands up to their marketing team because they're doing a fantastic job because that messaging has definitely been for me.

You know, I'll look into it or I'll read a book and it's always on my list for next year.

I'm like, I'll just, I'll do.

I'll invest next year because it is, it's marketed as something that's so intimidating.

So I love that you said that just then.

That that just kind of, like, took a weight off of my shoulder a little bit.

Yes, you are smart enough.

Like, and the financial industry doesn't say that enough because that's how they get paid.

So that's why I think financial coaches is such a great new industry because really, we're out here not charging people to manage their money, but charging them to, you know, work with them hourly to help build their financial skills.

That's the difference between a financial product.

Right?

Like buying an investment or buying somebody to do it for you, versus saying, I'm going to invest in my financial knowledge.

Right.

And that can look like enrolling in a personal finance course, working with a financial coach who charges hourly.

It can look like buying a book.

Right?

Like, and spending the time.

That's a different use of resources.

One is saying, I don't know how to do it, and the other is saying, I'm going to learn how to do it.

Wow.

Once again, that's super different.

Such a mindset shift.

And I love, I'm all about, like, shifting my mindset here lately because I, you know, I kind of feel like that's the easier path to self development.

And so I love that all of your messaging is centered around that because that really kind of is the root.

You know, you can run around and try to fix all these problems, but if your mindset isn't, you know, where it needs to be, I think that keeps us stagnant.

Okay, so you started arise financial coaching in 2020 while also being a mom.

How in the world did you balance building a business and being present for your family.

And was there ever a moment where you felt like something just had to give?

I would say something always has to give.

Like, I mean, I have three kids, and to be totally honest, like, this is why I preach so much about money, because I've had a nanny for three years.

We just moved across the country.

So my nanny, we.

We had, you know, she had to go back home and, like, yo, I feel it.

Like, I'm feeling it this week.

So when you say something has to give, I mean, one of my kids is sick right now.

Like, my husband is sick right now.

My parents came to visit to help out a little bit.

Like, the expectations of a modern woman are incredible.

Like, what it takes to be a mom, to work, to, you know, nurse your kids, to carry a baby.

Like, I think the one thing that I really needed as a new mom was somebody validating that this is hard, and it takes a village.

And I know that when I look back at the path of being a mom, the only thing that's made it possible for me is financial choices.

Like, if I didn't have financial choices when I was suffering with postpartum anxiety and depression, I don't know, I would have gotten through it.

I'm not going to say I would have died or something, but at the end of the day, financial choices help with the amount of expectations and responsibilities on the modern woman and the modern mom.

So I don't know.

I'm not out here to say, like, life is just easy.

But I'm so grateful that I have financial choices, because if I look at my life ten years ago, I would have never thought I would have been able to afford a private nanny.

And I'm looking at my life now, and I'm making those same choices where I'm saying, hey, you know, I've got my kids in this type of care while I work.

You know, what type of help am I going to invest in?

And I wanted to move across the country so I could be closer to family and really expand my support system.

I think that the truth is that the expectations on the modern woman are intense.

And if you're somebody who feels like you're drowning in them, you're not crazy.

Like, it's a lot to have a business or to work full time, to be a mom, to be a stay at home mom.

It's a lot.

And so if you want more choices, I think the first place you can go is actually looking at, how can your money give you more choices?

And that's I think the power of how taking control of your money can really, really help your life.

Absolutely.

I love that you said, invest back into your time, because I think that we so often think about investing just as, you know, investing in real estate or investing in stock market.

But investing back into your time, for me, has been the biggest ROI of.

Of everything, because I, you know, a laundry service, for example, five years ago, I would have said, oh, I can't afford that.

I can, you know, do that myself, blah, blah, blah.

And now I'm like, you know what?

That's 2 hours a week that I get back.

And when I look at what the value that I give to my hour versus how much it would cost for me to do 2 hours worth of laundry, then it pays off.

And I, you know, I kind of used to feel a little guilty about thinking that, especially when I started to shift my mindset towards investing back into my time.

But now I'm like, you know what?

No.

I am trying to do good in the world.

And if that means I hire someone to do my laundry, then.

Then I invest back into my time.

So I love that you brought that up.

Okay, so you were all about changing the money narrative for women, as we have heard from you, because I love the words that you use around this.

And I think in a culture that often glorifies financial ignorance, how do you think we can start shifting that conversation?

And what role do you see financial literacy playing in women's empowerment?

I think financial literacy is women's empowerment because I believe that we can do every, you know, you can get the right to vote.

Like, it wasn't.

You can get your rights to anything, right?

But if women don't know how to use money, at the end of the day, we don't have control over our lives.

Like, it wasn't until the seventies that women were even able to open a credit card account without the, you know, their husband.

And so financial opportunities are a new thing for women in America.

And so the first thing is really figuring or giving yourself permission to learn about it, because a lot of us, we don't have our moms telling us about money because they didn't have the same opportunities that we have.

And so it really is on us to learn about how we can use money to improve our lives, and not just our lives.

You know, I'm a huge believer in the fact that when women have access to money and know how to use it, we just naturally bring up communities around us.

I mean, they've done studies in impoverished communities and they've found that if you want to bring a group of people out of poverty, you have to do one thing, and that is lend money to women, because women naturally bring up their communities around them.

So I think women have a lot of fear around money.

We don't want to appear greedy.

We don't want to appear, like, a bit, you know, a bitch or something like that.

I know.

If you're listening with your children in the car, right?

Like, there's a lot of good girl narratives when it comes to money, and good girls don't talk about money.

Good girls don't ask for more.

Right.

And whether or not we're kind of in touch with that, I think a lot of us kind of have these negative views about financial empowerment or about financial literacy.

For example, like, in my life, I remember reading a bunch of studies about women who out earned their husbands were more likely to be cheated on by their husbands.

And so I kind of, you know, internalized this view that if I was more financially successful than my husband, that would be at the expense of my marriage.

And so I think a lot of these are things play into how women interact with money, and it's kind of up to us, sadly, to start to rewrite them.

Right.

Like, and to start to take the responsibility of, okay, this is new.

Nobody's taught me about this, but I'm gonna.

I'm gonna learn about it anyway.

And I think that that's a really hard thing to do, to be the first one who does something or to start to change the narrative, but it doesn't mean that it's not possible.

And so, for those women who are listening to this podcast right now, I want to encourage you that it's okay to learn about something, even as an adult.

Right.

Money is not something that you should already know about.

It is not so complicated that you can't understand it, but that doesn't mean that it's something that you should already know.

I know a lot of women feel shame in their adulthood where they say, well, I don't know about this.

I should already.

I'm embarrassed.

Don't be embarrassed.

It is normal to learn something as an adult.

It is actually brave to learn something as an adulthood.

And so it's something that you should be proud of yourself for and something that you should not expect that you should already know about.

So, I think it starts with, you know, being okay with learning as an adult and starting right now with no shame.

Wow.

What you mentioned about, you know, women didn't have access to credit cards until the seventies.

I mean, that's crazy when you put it into perspective because that was not that long ago.

And now we're being thrust into a world where I do think our ego, like, expects us to, you know, we have to look like we know what we're doing and we have to look polished because we're business women.

And so I love that you just took away, away, like, you just took away the shame of not knowing.

It's like, yeah, we, we shouldn't know.

We're not expected to know, but it's also our responsibility to pick up from here and, you know, take that power back into our hands and move forward.

And speaking of a woman who has taken the power into her hands, let's talk about the fact that you are on track to become a millionaire before age 40.

That is amazing.

What are your investing strategies, and how do you stay focused on long term wealth building while balancing everyday life?

So it's funny because most people would expect that I'd be like, hey, I want you to invest in this weird thing or, like, buy this weird product or something like that, when literally all of that is a scam.

Okay?

Like, people who tell you that you can get rich quick, they're lying to you.

The real reason that I am on track to become a millionaire before, well, before age 40 is one fact.

And that is I got started.

I did not make more than the average annual income.

Right?

I didn't say I'm going to first get six figures or I'm first going to, like, learn how to become an investing whiz.

The only difference between me and the average American is that I decided that I could learn, and I started early.

You know, we started investing with $250 a month, which for some people is a lot of money.

But a lot of people spend more on their kids ballet classes or their gym membership than we got started with investing.

And we also didn't do something weird.

We invested in our boring old tax advantage retirement accounts.

Like, we did not buy a bunch of, you know, single equity stocks and do day trading.

We purchased index funds.

Right?

Like, this is not crazy investing strategy.

The only difference is we decided, okay, we are going to get our, our financial house in order and we are going to prioritize that early in our life.

I look back at my, you know, financial success, and that's what I credit it to.

And I know that there are so many people who count themselves out of the financial game because of where they are.

And I'm here to tell you that the faster you can put yourself back in the game, the faster you'll be able to turn things around.

Because, you know, I've only been investing and doing this financial life for about nine years and there has been so much progress, right?

And so no matter where you are in your financial journey, you can make a change and turn things around.

But it starts with putting yourself back in the game, right?

So whatever excuses, whatever things you feel are holding you back, I want to encourage you and tell you that you can make a change and you can start to see progress.

Even if you're drowning in debt, even if you feel like you and your partner don't have the same viewpoints on money, even if you feel like there's no way for you to get ahead, I promise you can.

But it starts with giving yourself the permission to get in the game.

Action and consistency.

We always talk about taking elevated action on this podcast, so I feel like that falls right in line with that.

And your approach to wealth building is shame free, inaccessible, which I think is super important.

How do you make financial education relatable and doable for women who might feel overwhelmed by it all?

Well, I think the first thing is, like a lot of people, when they first want to get their money in order, they feel like they need to learn everything you don't.

Right.

You need to learn enough to get you to your next step.

So one of the things actually we're doing this week, this won't come out.

It's going to come out a little later.

But we teach a steps to success process to our clients and that's available for free in our online workshops.

And we talk about how one of the pitfalls that a lot of people fall into is they want to improve their money.

Therefore they try to do everything at once.

And that is super unsustainable because it's impossible to pay off debt.

Add to your savings, start investing, spend on your values, increase your income, you know, get your credit score up, do all the things at once.

The best thing you can do when you start your financial journey is say, okay, what is the most important thing for me to focus on right now?

And so figuring out what your next step is and then learning about that.

Right.

Notice how it takes a lot of the noise out and you can focus on, okay, I'm paying off debt right now.

What are the strategies?

What are my different options?

Do I want to do the debt snowball?

Do I want to do the debt avalanche?

Do I want to do this?

What are my different budgeting options?

Focus on those main questions and spend your time there.

And then once you get to your next step, right, learn about the next thing.

But when you try to learn everything at once, it's really, really difficult.

And that's one of the things I do a lot with my clients, is I'm able to help them identify what is your most important financial action step and what are the most important pieces of financial literacy that you need to learn so that you can make that happen and happen fast, happen efficiently, to take that overwhelm out for people, because, I mean, the financial world is vast, and there is no shortage of financial information available to the modern person.

Like, I think money is the second most talked about thing online.

So when it comes to, like, information overload, it's very, very easy.

And so the best thing you can do is say, okay, how do I narrow this down?

What is the most important thing for me, and how do I focus on learning about that?

I love that.

I was listening to a podcast, I think, yesterday, and they said that studies are showing that humans today are processing in one day.

They're processing what their ancestors processed in, like, 20 years, I think.

And so, like, the information overload, when I heard that, it's like we don't even understand how much information we're trying to process with our same brain that, you know, was running from a saber tooth tiger.

And so it's no wonder that we're overwhelmed by everything.

And so I love that you start with just the next thing.

I always say, just do the next right thing, and then everything else will flow after that.

So I love that.

That's kind of your.

Your mindset.

Okay.

So I'm going to do something a little different.

I've never done.

We're going to do a rapid fire round.

So let's start with your favorite finance book.

I'm all about reading, so I would love to hear if you've got a favorite finance book that you kind of go back to.

Yes.

So if you are starting this journey, if you're going to read one book, read.

I will teach you to be rich by Ramit Sethi.

It is very concise.

He is hilarious.

And if you do everything in that book, I promise you will be rich.

Fantastic.

Okay.

Your most rewarding part of being a money coach.

What I love about being a money coach is nothing about seeing people's savings increase or their debt go down.

What I love is that when I know I've done working with someone is when they feel confident in themselves to handle anything financially.

Right.

Like, there is a confidence that you feel in your life when, you know, I could get fired tomorrow.

I don't have to invest another dollar.

I will be financially set.

I don't have to worry about what's going on with Social Security or what's going on in the housing market.

I don't have to feel afraid anymore because I know how to take care of myself financially.

That is a confidence that allows people to move across the country, to start new jobs, to be present to their kids, to stop fighting with their spouse.

I love seeing that transformation happen in people because that's when I know my work is done.

Oh, I love that.

That was a good, spicy answer.

Okay, and last one.

What is one splurge that you don't feel guilty about?

I mean, how do I say all my splurges?

I don't feel guilty about any of my splurges because I'm investing.

So, like, for me, I'm somebody who, like, I see clearly that when people are not, when they're not confident in their savings, that's when they feel guilty about splurging.

So I don't want anybody to feel guilty about any splurges.

I want you to splurge on holiday stuff, gifts, clothes for yourself, vacations.

I mean, this summer, we went to Sweden for six weeks to live, and we brought our nanny and paid for her stuff.

And ten years ago, I would have been like, oh, my God, Nicole, you could never, ever do that.

Like, you just spent all that money where now I say, I don't need to feel guilty about that because I made my plan for my savings.

So I would say all my splurges, I don't feel guilty about them anymore.

I love that I used to be someone who would feel so guilty, but now I try to.

I feel like my money stays stagnant if I don't spend a little on myself.

And so I noticed when I spend a little on myself, it kind of gives me that little pep in my step to kind of get back in there.

And then the money just comes raining in.

For any women who are listening, who might feel like they're stuck in a financial rut or they are unsure how to get started on their wealth building journey, what is one practical step that they can take today?

So I would say, if you feel stuck right now, I would say the first thing you could do is get clarity.

So we did this in our first session with people, but it's something you can do on your own.

So a lot of people just start searching for answers.

Of what they can do, and they start searching for those answers online when really the answer, guys, is in your money.

Right now you have the answer, but the problem is typically you're looking in the wrong place.

So we have everybody always start with getting total clarity about where they stand right now.

So pull up your bank statements, pull out your, you know, all your credit card statements and look at where is my money going?

How much money do I currently get right now and how do I typically spend it?

If you can pull up that information and start to get a clear picture about how your money comes in and where it's going, it's going to start to tell you a story.

And I want you to get curious about that story, right?

Because chances are you already have an answer for it.

Most people, when they come to financial coaching, they say, well, I don't make enough money, or my husband spends too much or I have too much debt or whatever the story is, right?

But the numbers typically tell me a different story.

And so if you are somebody who has a story about where you are financially, I'm going to challenge you to get curious about the story that your numbers are actually telling you.

And most people don't take that step, they skip over it, right?

They just start doing something else.

But if you can slow down for one, one day and look at your numbers and say, hmm, if I'm a third party person and I don't know this person, and I look at their numbers for the first time, what story are these numbers telling me?

And chances are you're going to learn something huge from that story that is different than the one you might be telling yourself.

That is good stuff.

And I think that first step is probably the hardest for a lot of people because you have to kind of have a little bit of a hard conversation with yourself.

But I think if you can get past that conversation, probably like really magical everything that comes after that.

Okay, so I know my audience is going to want to find you in all of the places they're going to want to work with you.

So if you could tell us where everyone can find you.

Yeah.

So if you are somebody who is listening to this podcast and you feel like your money makes more decisions for you than you make about your money, I want your money to be the reason you get to do the things that you want in life, not the reason that you can't.

And so we offer a ton of free resources online for those of you who just want to learn on your own.

We love that.

We support that.

We offer free investing workshops just for women so that you can help feel demystified about investing.

We have free workshops about the steps to success so that you can find out where you are, figure out what your next best step is, and we offer super, super low and affordable ways to automate your money and to start making progress with your money.

But if you are somebody who's like, you know, I have done all the things, I have read the books, I have done the budgets, and I am still not making progress, you might be someone who financial coaching is perfect for.

So you can head in the show notes here.

We have an application where you can apply to work with us and we'll have a conversation with you for free over Zoom or on the phone where we can talk about where you are financially, where you want to go and what's really holding you back and point you in the right direction.

So you can find us on Instagram at Arise Dot financial dot coaching and you can go to our website, ww dot arise dot financial and you can find out more with our free resources because we'd love to see you get to where you want to be financially.

You deserve to feel confident with your money.

I loved that.

That was such a good conversation.

I could sit here and talk to you all afternoon, but I've got to head straight to your website because I'm like, I've got to get some more of this information and I need it right now.

So thank you so much, Nicole, for coming on.

I know my audience is going to absolutely love you.

Thank you for tuning in to the elevated edit podcast.

I hope you found today's episode inspiring and full of actionable tips.

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Notes for all the resources and links mentioned.

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Until next time, keep growing, glowing and elevating your life.

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