I was spending. A big spender. Money was coming
Obviously having you as a mentor and walking me through some strategies on
It's not also about not spending, is it? Because you spend money still, but
I think it's the fear. The fear of the unknowing. The fear of getting uncomfortable.
Do you think the strategy is complex? No. I'm Lloyd James Ross, seven-figure
investor and entrepreneur, and I've helped thousands of business owners and
professionals turn financial stress into success. If
you're stuck in old money habits, overwhelmed by investing, or unsure where
to start, this is for you. I'll give you the mindset and
strategies to take control, grow your wealth, and achieve financial
freedom. It's time to make your money work for you. All
right, welcome to this very special episode of the Money Grows on Trees podcast.
I'm joined by a very, very, very special guest. You're going to love this
episode. She's flown in all the way from
Canada. And by that I mean Canada. So yeah,
30 hours to get here. We just came off the back of a wonderful event together.
She's now actually a big part of our team. But most importantly,
she's here to share her journey of how she got
her money under control. And it's none other than Melissa Corciato.
Thanks, Lloyd. Good to be here. Great to be here. It's wild that you're in the studio. Absolutely,
We've known each other for just a bit over three years. Yep.
So you come all the way to Australia and we pull you into a studio. Yet
to see a kangaroo, but that'll change today. Excellent. So welcome.
We like to have some fun. So we
just came off the back of an event together these last two days. We had our elite student
event which we were able to fly in for which is awesome. And
so now we are in the studio and I would love to unpack for
the audience to share with them the lessons you've learned on
shifting your entire money, I would say
philosophy, your wealth philosophy, since being with us
for the last three years and how that's impacted your life. So
I'd love to share that with them, if we can impact that wisdom. Because you're
the first Canadian student on the show. ever,
which is cool. So I want to go back and
begin with what was life like
before we got to know each other, before you came into
our circle, into our realm. So go back and
tell us a little bit about who Melissa is, what life was like, what you
Prior to meeting you, I thought life was good. I thought
life was smoothing along. Things are going great. But
it wasn't until I started being
in your circle, being in your realm, seeing other
people and coaching other people where I actually
had to look myself in the mirror and be like, holy man,
I do have issues with my finances. Things aren't perfect. And
that's when I realized that I actually needed help myself. seeing
my clients go through the process and changing their mindset, changing
their behaviors, changing their finances and getting results. I
needed to take control of myself and my finances because they're
Out of control is just not being mindful of what I was doing with my
I was spending. A big spender. Money was coming
So what things, like what, well, firstly, why,
I think it's just, it was happening because
of how I grew up and growing up
with nothing and not having money to go out and spend, not
having money to go out and buy things for myself restricted
me. And then all of a sudden I have money now and
Right, so you had no real control mechanism on it. What are some of the things you spent
Clothes, vehicles, side-by-sides, you
So for those non-Canadian or non-North American listeners, a
Is an off-roading machine that's
It's like this cool off-road like Polaris buggy. We went in
one when we were in Canada. We drove one. A friend of ours had one and they're
Actually I asked him when I was like, how much are they? And he said it's like
Yeah. And it was like we always had to have the next best thing, the
next best thing. So as soon as it got old, well we needed to purchase something new
I don't know. I think it really goes back to again, not
Sure. So you had this like, it's like when you, you
first discover alcohol in your teens, you're like, yes, I can drink a beer. And
then you have no like gauge orders to how many you should have. You
learn the lessons. So, okay, cool. All right. So what
else is going on with your money? Like besides the spending thing, what, what
else, what other habits and behaviors had you picked up or that
I think not looking at my finances, so not looking
at the bank account, not auditing, not being
So those behaviors as you had them going on, like
getting the best new thing and not looking at your bank statement and
I could venture with my family, go on trips, travel. Come
OK. And what other things? Like, what else was, like, when
you went, oh, I can see where my gaps
are here, why, like, what
could you see unfolding if you didn't fix the gaps? So
besides not being able to travel and take your family on vacations and stuff, was there anything
I would have been never be able to retire. I wouldn't
be able to have anything for my children for going to school or nothing
to live on because I had no pension. I had no emergence,
In times, yeah. If something broke down and we needed to fix it, pull
Right. So, and what impact did that have, having the credit card
And so, you got two boys, you're married with two boys, two young
boys, so you're a mom. And
tell us a little bit about like what you do for work and how that had an impact on
I'm a success coach. Um, I do make really good money
In sales. Yeah. So just allow me to spend more
money because I was making lots of money. So I spent it. Um,
No, like what, what are you, so like if we, if we go back, so you're a mom, tell
us a bit about who you are. Like we need to, I want to know,
I want the audience to know like who is Melissa and why
So a mom of two boys, success
coach, passionate about health and wellness. I'm a
bodybuilder, I compete, really
value my family and just
Yeah. So you're a bodybuilding competitor, right? Yes. Like
Yeah. So you have discipline in that area. Did
Not always. Not until probably
Okay. And so what, what, what did you discover in that moment
Yeah. Because how you, how you approach your health is
not always, but mostly how you approach everything else. Right.
Because would you agree to have, to have a good body, to
be healthy requires discipline, like not eating the wrong foods
too much and working out, et cetera. Massive. Right. So what happened to
Coming up from an addiction. and being in a
That's when I decided to change. And I decided to
Eating healthy, looking after my body, working out, fueling
So stop drugs, was
it drugs you're addicted to? Okay, so drugs, you started
eating better, looking after your body and then the impacts
Feeling better, got my family back, got
And so you hit rock bottom in your health and then
you fixed it. Was there a time where you felt you hit rock bottom
Yeah, two times back in 2008. When
I had to claim bankruptcy, that was rock bottom,
handing over everything and being a failure in my
finances. And then got my credit back up,
built my credit back up and kind of went rock bottom again because my
patterns and my habits with my spending didn't change.
who failed once before, you can fail
But what impact was that having on your life, being bankrupt or
It was like an impact because I've already done that with my body
and my being an addict for so long. It was almost like being
And so what was the story you're telling yourself? Like I'm bankrupt? The
And what about going bankrupt and then hitting rock bottom financially again? Like,
what were you, were you seeking answers? Were you wanting to get out of
it? Were you wanting to live a different life financially? Like with more
money, is there anything you had on your, in your mind? Like, I really
would love to do this, but because I have claimed bankruptcy and I can't get
control of my money, I can't do those things. Was there ever that conversation?
just something inside of me changed that there is more to life
than being a failure. There's more to life than hitting rock bottom.
So what are some of the things, once we met, what
are some of the things that you wanted to do but you couldn't because you didn't have the finances
I was thinking like there is so much more
to life and I know that people can change and
I've seen it in people with their finances. I've seen it in myself with
becoming clean and changing and not going
back. But it wasn't like that with my
finances because I kept going back. But I think seeing that
you can change in your health but you can also change in your finances as
Like watching you and Alicia and your life and what you guys
do and how happy you are and where you get to go and there's
no stress, there's no financial strain,
Yeah right, so you saw this vision of like hey well maybe if I have all this in
place and it's I can utilize it more effectively. So
tell us, what are some of the things then, like so you've discovered this,
you're like, I want this. And then what are some of the steps you took
I started working on myself, on
Getting to the root cause of why I've spent money,
where that originated from, why I needed
Because it fulfilled me, because I never had it when I was younger. But
So when did your mindset flip? When you were working on your mindset, what
thing did you do that went, okay, I'm now ready to shift
I think just looking back to my past and seeing all the patterns and seeing all,
nothing was changing. and I knew I needed to
change it, just like I changed it with my health and becoming
Great, so what's the first step you did to change? The practical, tactical
step in your finances that you recall, okay, this is
a practical step. So you got your mindset going, hey, I'm aware, because
awareness is the first step of transformation, so now I'm aware of these patterns, I
now see a juicier life that I wanna get to, Tactically,
physically, what did you then do to start
Because of all the outgoings, all the debits, all the debits, all the debits and
So then what did you do when you looked at it? Okay, lots of debits, lots of
outgoings. What was going on then? What did
Then I realized I needed to cut back and I just start saying no to
And no to my husband. That
was hard because as a mom, you want to give your kids everything.
But at the same time, it's not teaching them anything either because they're
So you made a decision, you're like, you know what, I'm just going
to start saying no more. And
The spending stopped. More money was in the account. There
Then I started paying myself first. I
started putting money aside for an emergency fund. I
learned how to invest, where to put my money. I
Yeah. So let's go recap the steps. So you looked at your bank statement. Awesome.
Too much going out, not enough coming in or some coming in, not too
much going out. So say no more often, bup, bup, bup. You put a
plug in the hole. You kind of plug the hole in the boat. So it
stops sinking. And all of a sudden, bup, bup, bup, money starts appearing in
the account, right? Yeah. Then you said emergency fund. Why
Because if I have an emergency happen, I don't have to put onto a credit card. Right.
Right, without relying on credit. Right. Which could build up and
So that's a good step. So look at the bank accounts, start saying no more,
So when I pay myself 10%, that 10% goes into my investment.
That's okay. It's the beginning. Have you been paid passive income? Yes. Wonderful.
It's funny when you see people, they come on the show and I say, have you been
paid passive income? And their smile goes. What's
It's like, wow. my future is
Sure, yeah, so your money's falling off the tree. Great. So, anything
else? So, you've put in these steps and like if you listen to our show
and you read our books, you can see these steps in action, right? And that's what you saw
with our students. You're like, oh, I can see these steps getting put in place and
it makes so much sense because there's financial pieces not as far away as I thought
it would be. So, you start doing it. And so, you're shifting things,
right? And what was happening then? How did you feel then? What was going on?
I felt in control of my life, like my destiny.
And not only being able to shift these behaviors
and these habits, it also allowed
me to pay off all of my credit card debt, all of my personal loans, which
was $150,000. You had $150,000 in debt? Yes.
Just quickly, if you're ready to take control of your finances but feel stuck on
where to start, I have a solution. My book Money Bias Happiness
simplifies investing and wealth building with practical steps to help
you achieve financial peace. Get your copy via the
link in the show notes and let's get your money working for you. Now back
The truck, your truck. I had a truck. And just credit
You also notice in North America, I see, because I see
students, you know, set ups all the time, financial situations all
the time, every day. And notice in North America, they will keep giving
you credit card beyond six figures. It is wild. Like in North America,
so it could be Canada and America, but generally in the States, they
just throw credit card debt, like, until it's
just insurmountable. So that was happening to you had car debt, toy
debt, which is side by side, credit card debt. And
then, so how did you pay it off? I know that's the audience is thinking, how
Well, obviously having you as a mentor and walking me through some strategies
Do you think the strategy is complex? People
are going to be, how do I pay credit card debt off? Well, first thing is, have an emergency fund
so you don't get any more of it, look at your bank statements, and then start shifting
the money from toys and other things into paying
it off. What was it like? Did you think, I'm ever going
to pay this off? Or did it feel like a struggle? Or did you do it
quickly? Because you're able to earn money. So that's
a big bonus. Because a lot of people I see, too, they go,
I want to pay my debts off. And they're earning like a pittance, like $40,000 a year. I'm like,
you need to make more money. Right? But you're already making enough
money to do that. You're just sending it the wrong places. So once
you shifted and started sending it, I think I remember the conversation we
were having, like, I'm gonna pay, I forget what it was,
and I'm like, well, you could pay all that off. It's almost like people
don't realize, you mean I can pay it off now, I don't have to
Yeah, we had, well, firstly,
we had way too many vehicles. And so having a conversation with
you and overcoming that we don't need to have, shifting that
mindset, we don't need to have all the new things and all of these things.
So we sold a vehicle, which ultimately gave us cash
in our hand, which paid off our trailer, our
motorhome. And so that
was nice to have that. But yeah, just the strategy of being mindful of
where my money went, knowing I had a goal that I
wanted to reach, paying this off in two years, I did it in 17 months. but
just sticking to that and devoting,
Was it a bit like, it's a slippery slope. So when you were coming
into more money, was it a very like challenging mental
place to be? Like, were you having a fight mentally about, well,
I'd like to get another car, or I'd like to do, and
It was tricky. Yep. Because I, I seen the money, I
could have spent it. So it was, it was hard not
to spend it, but it's like, I don't know if anybody else
that goes through your program, it's like when you go through Lloyd's program,
it's like Lloyd's in your mind all the time. It's like, no
matter if I went out shopping or if I was going to make a money decision online,
Lloyd was always there, do you need this? Do
you really need this? So that
helped because obviously the habit wanted to
be there to spend it, but I knew I finally had
a financial goal that I wanted to reach. And I was disciplined in
Because you had this, you've won bodybuilding competitions, you've
got discipline in all these other areas. Relationships, relationships with
your boys, and your body, and your health, and
work. You have discipline. It's just not in
that area. Yeah. So you did find that you're able to apply it,
Once I had financial goals because I have goals in my health,
I have goals in my relationship, but I never had goals financially.
Got it. So it's not also about
not spending, is it? Because you spend money still, but
It goes to things that are purposeful and that are just going to
So you're still a spender. That's
why I think, too, I'm like, well, I'm a spender. I just spend a ton on
income-producing activities. And I spend a ton on assets. And
I spend a ton on experiences. And I expect, you
Yeah. So it's not like toys and things that depreciate. It's actually things
that appreciate. So as you said, you've spent $25,000 or
whatever, probably less than that because it's grown, but on assets. You've
now spent some money from your side hustle to come here. So
In different areas. Things that are going to progress me forward,
Marvelous. Excellent. So have you had slip ups along the
Where? Just a little, like, where do you think you've had slip ups?
Well, definitely. We needed it.
A slip up of purchasing a vehicle. But
So what'd you buy? Because I will never buy a vehicle on financing ever
Right. So you set up some rules about your spending, right? So at least you did it. And I
remember we had the conversation. You went, I just bought a Jeep. I'm like, you what?
Like, I just bought a Jeep you like out of the commercial. I was like, why? Anyway,
That's a good thing. And then what else? The other day, I wanted to talk about
what happened the other day. You learned a lesson when you talked about how
Oh, yes. So I got my emergency fund.
It's sitting there. I never touch it. But our hot
tub broke. And I'm like, oh, this is an emergency. I'm
in Canada. We need this heated or else it's going to freeze. And I
was all excited. I went and got the part
And I remember saying, I don't think hot tubs are an emergency. And you're like, oh,
I'm sure they are. In Canada, they are. But what you're saying, and you
might be right here, is if you don't actually have your hot tub heated,
the water will actually freeze in it and break it. So
we could probably agree that if it wasn't fixed, it was going to break. But
if it had of, it still would have been OK. Like it's
safe broken for 20 years and it wouldn't probably impact your life. So
where do you think now knowing that an emergency fund is really helpful for besides
Right. So something where like, yeah, you that you need right now that
you really need. Yeah. It's going to make a huge difference in the next day or two. Yeah. Right.
So that's really more what it's for. However, you
did have it there. You need to use it. And then what's
next? You're going to replenish it, right? Yeah. Awesome. So you would
have, how would you approach that before, before credit
Fast, easy, accessible. And what's the knock-on effect
You just keep doing it, and the interest. You're paying interest. You're growing
Right. Yeah. Excellent. So you seem to
have kind of drawn this line in the sand now, where you're not
like a credit junkie where you're just spending money on credit card and personal loans
for these depreciating assets. So that's definitely
shifted. You've moved some money into building assets and
My kids. I've been able to set aside over 15,000 for
For, you know, whether to grow their
investments. And so they have something for when I
Yeah. And so how do you think their attitude has changed? Cause
Sorry. The other way. Yeah. Gee, he was seven. Like the nine year old was seven and
Okay. So you've got 12 and nine. And so how do you think they're, have
Huh? You have no idea how much they've changed, especially my
youngest one. So when I went through your program and on the lessons, he
always sat in the room, not always, but the majority of the time he
sat there and he literally took notes as you were speaking and
he learned all my behaviors. He was a big spender. Soon
as he got his allowance or as soon as he got money in his hand, he had to go to the store to
Immediately all of it. Yeah, and then some well, yes what
you do when you're nine Yeah, so him
listening to you and seeing me going through the process myself
He's nine. He started his own business He
He bought his own 360 bucks go him. Yeah, nice and Yeah,
Yeah, he gave me a gift the other day. He printed
us this eagle, because we have another business with the team, which is called
Team Eagle. And so he printed this eagle and a nice other thing. So two things,
he gave us a gift. I was like, how did he do this? And he was like, he 3D printed it.
I was like. And I was wondering how he bought it. So he saved the money and
Well, now he has his little tracker where he tracks
how much his things are worth so he knows what to sell them for. When
he makes money, he replenishes it back into the business to buy more filament.
So he's got that all set up and now he's saving up to
So that's fantastic. So obviously you've had an impact on them, right?
So this is flowing through to your boys, right?
And I know that because I've spoken to it on the phone a couple of times. They come on to the call sometimes
Yeah. So that's really great. So you're setting the example at home. And
And it's even changed for my husband too because his behavior
about needing, like he's got a different aspect around buying
things. He doesn't buy things anymore. He used to, but he
only buys things if it's going to appreciate in value. So
like what I mean by that is buys something, fixes it up
Oh, so it's just more thoughtful and intelligent. If
I do this, then I can have both. I can have my thing and fix it and make
money. So instead of a win-lose, it's a win-win. Awesome.
I love it. Fantastic. And now, how did you get to Australia? How
My side hustle. How did I? I flew here.
Yeah, yeah. Swim. So you side hustle.
And so tell us a little bit about the success there, how that's
had an impact on your life. How is that? How
So again, prior to meeting you, I was in so many different network marketing
businesses, was never successful at all,
I never believed in myself that I would actually be successful in
it, but never having the roadmap, never having the
guidance, never having someone backing me up is
And now I've got the right mentorship. I've got the
right system. I've got the right, community
and since for last three years, since I started doing
this business, I've not missed a week of pay. I've
Okay, perfect. Now, I want to touch on There
was a time there where you wanted to come to
Australia because we have events here and you
want to attend an event or you wanted to come out here, right? It's on your bucket list. So
what changed in your mindset that got you here from
Whatever I earned in my business went into an account to
help me grow as a person to
Right. Cause we had a conversation and you said to me, I'd like to go to Australia. I'm like, why
don't you? And what
I don't remember what I said back, but probably along the lines is I
That conversation with you is what I earn in my business, put
Got it. So what if the money you're earning on the side
that's separate to your income, what if you just built that up to a separate account
and it paid for the $2,000 to come to Australia? Plus
a little bit of, like you can come here on the Canadian dollar and earn a little bit more because
it's more valuable than the Australian dollar. And you can stay here for like
It's not that much where I thought it was going to be a fortune to
Yes. So we, you know, it's almost like we imprison
ourselves in a story that's like, Oh, going to
Australia is a long way. It's going to be so much.
I have to have X, Y, Z before I can get
there. Right. So you probably thinking in your mind, like I have to be so
rich before I get to Australia. So when we had that conversation, I'm like, why
don't you come? And you're like, oh, how can
So diligently having a goal, which is to come to Australia, you
knew then how much it was going to cost. You're like, oh, I looked at flights. They're not $10,000. They're
like 50. Like to fly to America from Australia now, like I've been to
a state three times this year. I'm pretty sure it's $1,400. It's just not
your whole trip here was 3,000. And like, so, I mean, it's so achievable
for someone to fly all halfway around the world. And
now like today, I know you're gonna see kangaroos and koalas and
all that cool stuff. You're gonna do that today, like after this episode. And so
it's like, it's so close. But was
it a mental, was it a personal growth experience to
It was, it was a personal growth, like just to come here, to leave my
family back at home. go through those emotions and jump
on the plane. Oh my god, it's 14 and a half hours. Like, how
am I going to manage that? That's so long on a plane. So that
personal growth there and just being here is personal growth in
Yep. when you said we had
to do 10 steps in the TED talk at
Okay, so we had an event the last couple of days and there's some things to do and it was
more the aspect of speaking that was scaring a
little bit. But like any point in time with your boys, like, mum, don't go, and
Yeah, well, actually last year I wanted to come and I told my
boys, my oldest son, he started crying. He's like, you're gonna
So I decided not to go. I could have come last year, but
I decided not to because the impact on him and seeing him
cry. But this year having the conversation still,
they didn't want me to go, but they
Yeah. There you go. Okay. So you got through that.
So you got through the financial obstacle of actually it's
not that much. Actually, I will start a side hustle. Actually, I will save
some money, which you did intentionally with
the goal. And then it's the, I'm going to leave my kids and
Yeah. And then you just ignored it to do this
and now you're here. And so I just
wanted you to unpack that a little bit because I do know that we've got even three
of our other students are coming. There's a student coming in because we have a Mind & Money event
this weekend that you're here for, right? So my friend Morgan and I run this
three-day Mind & Money event. It's a breakthrough money event, right? And some
of our listeners will have been to it. If you want to come to it, just go search
Mind & Money on Google, come along, right? Yes, you've got to pay a ticket. But
so you're here for that too. And we I
know we've got like Burgess coming from Alaska. Alana is
coming from New York. And it's the same conversation. Because
it's like this. Well, I can't go there. And
I've had the same things too. Like, there was a couple of times like I was wanting
to see Warren Buffett at the Berkshire Hathaway meeting. And
I could go. But I was like, Do
I really want to get on three airplane flights and go to Omaha? Do I really want to? And
you start to kind of just imprison yourself. And then you do need
some guidance, right? So for me, it's Alicia. She's like, if you don't
go, you're going to regret this. I was like, yeah, you're right.
So sometimes you need that little bump, that encouragement. And sure enough, I
went to the Berkshire Hathaway meeting. I've always wanted to go to it. I don't know why I never went. Because
Charlie Munger died last year and I'm like, well if I don't go now, Warren's going to die. And Alicia said,
if he dies, you're going to regret it. It's a
weekend. It's like you fly 36 hours to spend four hours or
eight hours on an event and then fly home. So I know what it's like. So
that's when I see others create
these fake barriers in
their mind, like, I can't go. So the question is, well, why
Yeah, I always had that block, like, I can't go to Australia. I've got family here. What
if something happens? And all that negative self-talk just
starts. It takes over, right? Yeah. And I even got extra insurance
on my ticket just in case I had to cancel. Just in case you
die? No, just in case I had to cancel my flight to come
Oh, you're even setting up, like, just in case I've got to cancel,
But you're here, so you must have burned them a little bit in your mind. Make the
decision, move forward. Yeah. So what if you did? For our audience too,
what if you just did it? And also, I
do encounter folks who want to buy. So part
of the big dream of a lot of people financially is I want to buy a house. Now,
if you've been following me on social media, it's not always the most astute
financial decision for everybody to buy a house. Folks
do, and I get it. So my question to them is, which one are you
buying? And they go, huh? Like, which one are you buying? What do
you mean? I'm like, well, if you're going to buy a house, which one
is it? How much is it? How much is the deposit? Where are we at? Because
if there's no actual plan, it's a BS. delusional fantasy,
right? So the same with Australia. Hey Mel, when
are you coming to Australia? I'm going to come. When are you
coming? What dates? What's the flight? Which airline? What's
the price? Where are you staying? How much is it? What's
the price? And you start to build
it, which is what you did, right? Okay, well, I've got the flights and
it's only this. Wow. And I'm staying here. Wow. And
Now you're coming back. Now you're addicted to Australia. I'm coming back again.
I'm coming back again. Because once you unpack that experience and
you build that belief and you build that muscle and the files, you
can reuse it again. So it's never going to be this hard again, is it? No. Same
You've got everything set up. So now, what's life
like now? And what advice
would you give to someone who's in the old Melissa's position?
Life now is absolutely incredible. I have no
stress. I have financial peace. My
family's happy. We got freedom. We got choice. It's
Always have, but it's just at a different level now. It's like, I, I
Okay. So what are some of the things you think you're going to do now that
Travel more. Um, keep putting it
back into myself, going to events, showing
And you're also here for two events this week. So it's a busy, interesting,
So OK, great. So you want to do more experiences with them. And who doesn't,
I've never met a mom who goes, I don't want to spend less time with my kids and
But I have the ability to do it now because I've got the structure in place on
Perfect. Yeah. How to get there without being in debt. Do you think the
The biggest shift. Yeah. Cause I will not be in debt again ever.
That's a big line in the sand.
I still have one credit card but that gets paid off every month. And
Right, so you just kind of use it as a charge card, right? Build your credit rating, keep
Awesome. Fantastic. So what would your advice be to others
who are listening? Because part of the idea of bringing our students on,
and you are also a part of our team too, so you've actually facilitated and
helped. You're part of our education business team. So
you are helping a lot of people start into our programs. So you see everyone.
You see where they start, you see their breakthroughs, you see their results, right? But
part of bringing them on and you on is
to showcase real life everyday people just
doing the basics and transforming things. Because I think when
people say, oh, common sense with financing, what I think they mean is uncommon sense with financing.
Because you weren't ever taught the rules of the game. So what
would be your advice to someone who is listening? Perhaps they were
in your same situation, or they are. What's the
real juicy stuff you could give them? What
just to stop living in old habits and to
take action and that it is possible no matter where you're
at, how deep you are in debt, how deep
you are in, you know, uncontrolled finances, just to
take the first step and take action and get, get help. Because
I never would have been able to do it without your help. I
would have never been able to turn the trajectory of my finances around
without having someone there helping me through the process, someone
So take action, take action, get help to understand the steps, get
encouragement, get support, and then do it. And
overcome the fears, right? What do you
think it is that stops people, though, taking the action
I think it's the fear. The fear of the unknowing, the fear of
What do you think is the story they're telling themselves when the fear takes over?
What do you think would happen if they think it's too hard and it's too much?
Yeah. And what's the underlying, just to finish up, what's
the underlying most important trait? Because we've
had hundreds and thousands of students come through, right? And
so what have you seen is the number one trait that
they have? Because everyone starts, like people don't
want a transformation if they're already happy with where they're at.
There has to be some level of confusion, pain, like
I'm stuck and I know that, like an awareness too, now
I'm ready. But what underlying trait that all
those students have that has been the one thing that's
helped them to get to the other side, from hell to
living in paradise, you know, financial peace, from crisis to
I think it's their investing in themselves. They're
But what's the trait of the students that do and
get results compared to those that don't? What's the underlying trait? What's
the behavior trait? What's the thing that they've got that others don't? Well,
It means that they're open to receive coaching. They're open to receive
And they surrender to it. So they don't say, yeah, I already know
this. I already know that. Yeah, but, yeah, but, yeah, but, yeah. And they just, yeah, butt themselves
into a hole, right? So they're open and coachable. And
anything else that they do that you've seen, because they do that one
They draw the line in the sand, they burn the bows, they say, and that's it. But all of our
students you see, the ones that win, what do they do that others don't? What
do you say to them when they start? No matter what happens, do this one
Yeah, if you show up, you're gonna get
the result. If you show up and lean in, what's
Yeah. It's like easy not to do, easy to do. It's
like, if I don't show up, I can't get the juice. If I show up, I get the juice. And
the more you show up... the more you want to show up. This is like
Because the more you show up, the results are going to start happening, and it's
Yes, momentum. They start to get momentum. Yeah, and you see that,
Yeah, you see it in our students, but you see it probably in bodybuilding. There's
people that don't make it to the stage. There's people that don't make it to the gym.
There's people that don't make it to Australia. There's people that don't make it to the call. There's
people that don't make it. And once
they don't show up once, then the thoughtfulness and the
new story of... And it
also self-perpetuates backwards. So if
you could give our audience one piece of advice, what
Take action, show up. And then... Then
the result happens. Over time the results start to begin, yeah? And
be patient. And be patient. Because why do you say that?
Because it's not overnight success. Nothing in life is overnight success.
So when you go to the gym for the first time, did you walk out with muscles? Nope. So
You can try, but every time you go and try and make money quickly, it blows up in your face,
right? Yeah. Yeah. Excellent. Fantastic. So have you enjoyed
I didn't die. Any
Wonderful. Well, here's for our audience. Thanks for coming to the studio. You come all the way
from Canada. I'm excited about bringing you on because I love your story. It's
just so many parts to it. I'm sure you have inspired a
lot of people. other mums and
people on our show. So if you have got value from this
episode, I'd love you to share it with someone. Perhaps
you need to send it to them because they need to hear it. But
also follow Melissa. Where's the best place for people to find you and follow your
She said Instagram and Facebook. That was
my age. I was like, yes, Facebook is still our number one platform. It's also the biggest
platform still, right? I don't know if people know that. Facebook. So
Melissa Corciato, go follow her, follow her journey. She's
also on Instagram. I'm sure you'll be inspired by watching
her. You'll be able to see her hang out with kangaroos and koalas. But
watch her journey and watch her life just go to another level because she's
built the foundations in all areas of her life now, especially the
financial one, and that's why you're here. So thanks again for coming in. Good
All right. See you on the next episode of the Mega Ocean Trees Podcast. Thanks
for listening to Money Grows on Trees. If you enjoyed the episode, leave a
five-star review on Apple Podcasts and Spotify and subscribe
to us on YouTube so you never miss an episode. And if you're serious about
building wealth, make sure to check out the links in the show notes and follow me
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