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I'm Shelley and this is Kathy.

All too often people live with more months than money.

It's a day to day game that we're not taught how to win.

Women especially are vulnerable.

According to census.gov 50% of women from 55 to 66 have no personal retirement savings compared to 47% of men.

Angela Moore is a certified financial planner who's disrupting the financial game.

She's a master planner and rebel financial coach and the founder and CEO of Modern Money Education.

Angela has a master's degree in financial planning.

Her organization offers personalized finance courses for women.

Angela was honored by Business Insider as one of the top financial advisors for millennials in 2020.

Angela says she brings street smart, no nonsense insights on behavioral money habits that work.

We wanted to know more because money seems to be something we all talk about but we don't totally understand.

So we invited Angela on the show.

Welcome, Angela.

Thank you for being with us.

Thank you for having me.

So, Angela, this is such a huge topic.

What inspired you to go into this line of work and what exactly is it that you do?

What inspired me is that I went to college and I studied accounting and I interned in at an accounting firm and realized, I hate this.

There's no way I can sit behind a computer all day and run, you know, financial reports.

And so I went into another line of work.

The first job I had was as a mortgage refinancer.

And during that job, I was seeing Americans refinancing their homes over and over again to pay off credit card debt.

Sometimes it was $40,000 of credit card debt, sometimes it was 80,000, $150,000.

And what they would do is they would roll their credit card debt into their mortgage to wipe their credit card debt clean and then just pay their mortgage.

And so that was my first job out of college.

My second job, I was actually in the car business as a finance director.

And again, I was the person that people would come to when they were financing their vehicle and I would be the one to get them approved for a car loan.

And it was just shocking.

To me, how many people in their, you know, 40s, 50s, 60s that didn't have any money for a down payment, they sometimes had bad credit and didn't know they had bad credit.

Or, you know, there were people that were lawyers and doctors or professional athletes making 800,000 a year that didn't have cash for a down payment and their credit was bad.

And so it just really started showing me that there's something underneath the surface that no one's talking about.

There's a financial crisis going on, and we're not openly talking about it.

You know, it's just something going on behind the scenes.

And I myself, I thought that I had really good financial habits.

After all, I had an accounting degree.

I kept a very detailed budget since the time I was 18.

I was very strategic with my money, but yet I had a compulsive spending habit.

I would go and I would spend money like crazy, shopping for clothes, things like that.

And at a certain point, I had a dip in my pay one month and I was 26 years old.

And I realized, oh, my goodness, I don't know if this continues.

I don't know how I would pay my mortgage.

I don't have enough in savings because I had been saving, but I didn't know how much should I be saving, right?

And then how should I be investing?

I didn't know.

And at a certain point, I took a lump sum of my savings and I renovated my kitchen.

And so then it was like all of a sudden I didn't really have a strong emergency fund.

And when this dip happened in my income, panic mode set in.

And at that point, I went to seek out a financial advisor.

No one wanted to work with me because I was 26 with no assets, just a whole bunch of debt.

And I found this guy and he said, I feel like it's my public duty to help you.

And he said, bring in all your statements, bring in everything.

He sat me down for one hour.

He said, no more eating out.

Learn how to cook.

No more shopping.

You have enough crap in your closet, you know, no more cable TV.

Read a book.

And in that one hour session with him, he cut out $800 out of my monthly budget.

And we started putting that towards paying off debt.

Within about four or five months, I was completely debt free.

Wow.

I think at the point.

At that point, I had $18,000 of credit card debt.

So I paid that off within a few months of working with him.

And then I.

After that, I started saving and investing and I realized, man, this person has changed my life.

I want to be like that.

And like I said, I already knew that a lot of people were struggling financially.

So at that point, I was 28 years old, I pivoted and I changed careers and became a financial advisor.

And that's what I've been doing ever since.

And within the last couple of years, I actually shifted and stopped being a financial planner and became a financial coach instead.

Because I felt like that's where the need is.

It's so important.

And women are so vulnerable, I think more so than men.

And I think that people have a hard time wrapping their heads around finances, how to do it properly.

We're not taught about it in school.

Um, it just seems like the terms are so intimidating and we're.

We get sucked in not thinking about it.

You know, we go out to eat, you go to the store and like you said, you, you were buying all kinds of stuff.

We don't think when we put it on a credit card how much that's really going to hurt.

How do we gain control and how do we look at financial planning as something that isn't intimidating?

Yeah, I think the very first step is getting real with yourself about how you look at money.

I feel that most of us, when we think about money, there's shame, there's fear, there's guilt.

Oh, I'm not doing enough or I'm doing this wrong or I'm doing that wrong or I don't know how to, you know, it's so much negative self talk and just focusing on all the things.

I don't know how to do this and I don't know how to invest and I don't, you know, and so it becomes something that we almost hate.

It becomes something extremely negative in our minds subconsciously.

And it's kind of like anything else.

If it's something that you don't like that is negative, you're probably not going to get more of it.

You're probably not going to want to hang out with that thing or that person.

You're not going to want to dive into it because it's not something fun to you.

It's human nature for us to gravitate towards things we love and like and that are enjoyable.

And it's human nature for us to retreat and hide from the things we don't like.

And so a lot of it is changing the way we think about it and making it exciting and fun, reframing.

The way to do that, in my opinion, is to focus in on your goals.

And when I say Goals, I mean, visualizing what kind of life do you want to live?

Like, I did this exercise, and I found myself thinking, man, I would love to be able to.

This was before COVID and everything, obviously, but this is back in the day.

I would love to be able to work from home.

I would love to not have to wear a suit.

I'd love to wear leggings every day.

I'd love to sit with someone at their kitchen table and help them with their finances.

I'd love to be able to bake a cake in the middle of the day or go gardening or spend time with my kids.

I just had this vision of what I wanted my life to look like, and that vision was very exciting to me.

And so one of the things I've noticed in my years of doing this is that most people have no clarity around their goals.

I'll meet with someone, and the first thing I'll say, so, what are you looking to accomplish?

Right.

Or how can I help you?

What.

What would you like to do?

And most people are trying to make up an answer on the spot.

They.

It tells me that they haven't really thought about previously exactly what their goals are.

And when you think about your goals and you actually write them down, it forces you to be very intentional about the things you want to accomplish.

And if you focus in on that, it becomes something fun.

It becomes something empowering.

It becomes something you're kind of working towards.

It's just like when you plan a vacation, right?

If you're.

Let's say you're going on a cruise in a few months now, it's like, man, I can't wait to go on this cruise, and I can't wait to do all the things I'm going to do.

And you start planning all the details of this vacation you're going to go on.

It's the same with our goals, when we really hone in on our goals.

And I don't mean like, yeah, it's good to have a goal of, I want to buy a house in three years for, you know, $400,000 or whatever.

But what I mean by goals is really visualizing your ideal life.

What does that look like?

And why?

And then working towards that, and the finances kind of fall.

Fall in place, because finances play a big role in pretty much all of our goals.

Yeah.

You know, you hear a lot of people saying, I don't have money to save.

How am I going to plan for any kind of financial future?

I don't make enough.

And certainly I think that There's a fear factor there.

After the Great Recession, there were people who lost 30 to 60% of their investments, and a lot of them haven't recovered.

So when they go to a financial planner, I think that they're.

It almost feels like an adversarial position, especially when the financial planner's spouting all these terms that make no sense at all.

Yeah.

So two.

Two part answer to your question and statement.

The first is it's true there are a lot of people not making enough money.

And it is true.

Right.

One plus one equals two.

It's simple math.

If you're not making enough to just simply live on and pay your living expenses and food, it's impossible to save.

I'm not going to sit here and say that there's some magic trick to do that.

No, I think the answer to that is you have to take ownership and you have to start thinking of creative ways to increase your income.

And, you know, I've worked with clients before who have PhDs, and they're making 35,000 a year, and I look at them and say, what are you doing?

Less than 1% of the world has a PhD.

Go out and make more money.

And so we start putting a strategy in place for them to look for a new job.

Sometimes it's just a matter of being too comfortable in the position you're in and not going out there and putting yourself out there to get a new job or start a side hustle or, you know, create some kind of passive stream of income or additional stream of income.

And sometimes that's the answer.

Sometimes the answer is you need to make more money.

Whether that is shifting industries, shifting careers, and, you know, that's something.

The more you practice that, the better off you'll be.

Because the, the new retirement, right.

We're living so long, most of us are going to end up having multiple different career paths in our lifetime.

Oh, yeah.

Oh, that's definitely been happening in the past 10 to 15 years.

And with, with the pandemic, I had one, right?

Oh, my gosh.

Kathy was originally a nurse, and then you totally pivoted.

Just amazing.

Just a little bit.

So the quicker you can hone in on what are my gifts, what are my talents, what am I good at, what do I love, and how can I flip that and monetize those skills?

The better off you'll be.

Because you might need to be flipping that multiple times.

Right?

You, it's, it's not okay to just sit there and say, I'm not making enough money.

So I can't save.

It's like, okay, what am I going to do to figure out how to go out and make more money?

I was just going to say, sometimes it's not just about what are my, what am I good at, what are my skills like, like in my situation, when I lost my nursing career at the age of 42, that's all I knew.

So how do you change careers in midlife like that?

I didn't know what I liked, didn't know what I didn't like.

It was very difficult.

Like, what skills do I have that I can bring from my nursing to a new career?

Well, I, I didn't know.

So I ended up going to a career planning workshop to find out what I wanted to be when I grew up at 42.

And I was shocked, absolutely shocked when a lady gave me my sheet after three days of aptitude tests and personality test, telling me that I was geared to be a heavy equipment operator.

Honestly, I laughed so hard I just about fell off my chair.

I'm like, come on man, like there's no way.

So I said, I'm a woman, I'm 42, I don't even like equipment.

I'm not mechanically inclined.

I said, your test is wrong.

There was a dude next to me.

I'm like, it's probably his.

You know, you got this mixed up.

But it took for.

And she, she said, she pushed it back and she said, you know, if only you'd believe in yourself a little bit, missy, you'd see the test is right.

She went on to put on a video about it's possible.

And that video from les Brown, a 10 minute YouTube video, really changed the pattern of my thinking, realizing, well, wait a minute, maybe I can do this.

Maybe there's just a slim possibility that there's something I can apply that in who I am as a person.

Even though it's a career that I would have never, ever, ever considered.

And lo and behold, just because I allowed myself that shift to dream of doing something that I would have never thought possible, well, son of a gun, I gave it a shot.

I ended up going through this.

Women Building Futures, it's a non profit organization for women in Canada that helps women get into non traditional trades.

Well, son of a gun, if every piece of equipment that I got on, I got accepted for the program I was good at because I gave myself the chance.

That's the message in there.

So even if sometimes you might not think there's a career that's meant for you, you might be Surprised at how exactly untrue that is.

You.

You.

I think women tend to limit themselves.

Yeah.

To certain things.

Yeah, I was, I was going to say that self limiting.

I think women tend to do that.

Yeah.

I'll tell you, you hit it on the nail.

It's all in our mind.

It's what do you believe that you can achieve?

If you don't believe it, you can't do it.

If you do believe it, then there's a high likelihood you can achieve it.

Especially I believe women, we, when we put our mind to something, amazing things happen.

I'm going to tell you a story.

When I first started my business and I left my big corporate job, I thought to myself, man, if I could just make 60,000 my first year, you know, that would be comfortable.

And I just kept saying and repeating in my mind the $60,000 number.

And I went to this incubator program in Boston and this woman was on stage and she had created, you know, hundreds of thousands of dollars in a business and sold it.

And now she was on her second business that was valued at over a hundred, I'm sorry, a hundred millions, sorry.

She was on her second business that was valued over a hundred million dollars and she was standing on stage saying, you know, if you can start a million dollar company, why can't you start a hundred million dollar company?

What's the difference?

You know, it's all about what you're focused on building.

And I remember thinking to myself, yeah, why am I not focusing on building a million dollar business versus a 60,000?

Why have I been saying over and over again this 60 that, why am I believing that that's all I can do my first year?

And it, it makes a huge difference when you look at how you are viewing things.

It's just like I mentioned, you know, working with someone who has a PhD.

If it's all about what you believe you can do.

Sure, because there's people out there that have no education at all and they're, you know, starting companies that are extremely successful.

And then there's people out there that are equipped with education and talent and just all kinds of things that aren't doing anything with it because they don't believe that they can.

And I wanted to talk a little bit about your, the other half of your question about when someone goes and they sit in front of a professional like a financial planner or a financial advisor and you know, and they've lost money previously in the market, especially in the crash of 2008, something like that, I think that the key is finding the right advisor.

It's just like going to a doctor, right?

You might go to someone and you just don't get that warm feeling that they care or they're just kind of in and out, not really doing a whole lot.

Whereas you might go to someone else and they take their time with you, they ask you lots of questions, they listen, they figure out what's going on and they diagnose the problem correctly and they, they give you some, some health guidance and some tips and even maybe a prescription that completely changes your life.

That's how it is with any professional.

So when you're going to a financial planner or financial advisor, it's important, important that you take your time to find the right person.

You research, you find someone who has maybe some things in common with you.

You find someone who is credentialed and has the education in the background.

You find someone who specializes in working with other clients that are similar to you.

And then you interview them and you make sure that you get that warm fuzzy feeling that, wow, this person has added so much value in this 30 minute consultation or in this hour long consultation that I feel like they really can add value in my life.

If you don't have that feeling when you talk to one of them, then that's probably not the person for you.

We're, we're not all created equal and we don't all have expertise in the same areas.

Someone might specialize in working with families that have special needs issues.

Someone might specialize in working with, you know, LGBTQ issues.

Someone might specialize in working with someone who has compulsive spending or, you know, diff hoarding or whatever.

Everyone's so different, and there's so many different areas of expertise and specialties that you want to find someone that has the skills and the qualities that really fit with what you need.

That makes sense.

Stay tuned for more of women road warriors coming up.

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We want to help as many women as possible how do women guarantee a financial nest egg or stop living with more month than money?

There is a way people don't openly talk about it, but money impacts more people than you think, angela Moore says.

Many times we think we have good financial habits, but we don't.

It's a matter of gaining control over compulsive spending.

Many people don't know how much they should be saving when they're able to do that.

You need to get real with yourself about how you look at money.

Get rid of the shame and guilt.

Stop blaming yourself.

Focus on the positive.

That way money management won't be negative and you won't hate it because we don't like to do stuff we hate, Angela says.

You also need to change the way you think of money.

Reframe and find the right financial advisor.

Interview that person to make sure you have a good fit.

Focus on your goals and visualize what kind of life you want to live so you can accomplish it.

Take ownership of your money with creative ways to increase your income.

Figure out your strengths and how to flip things so you can monetize those skills.

Angela Moore helps women gain financial control with some great insight.

She's a certified financial planner and coach who's disrupting the financial game.

She's the founder and CEO of Modern Money Education.

Angela, you said you need to find the financial Advisor that really fits.

You know, I think that's probably some of the best advice.

You need to have somebody who's in your corner.

I mean, it's an intimidating subject to begin with.

You're taking risk, you're entrusting somebody else with your hard earned money.

And it does feel, especially with the stock market and that kind of stuff, that it's kind of like going to Las Vegas, you know, and that.

And I think, you know, one of the things I always did when I was working in wealth management and as a financial planner is really arming my clients with education.

A client needs to understand why their portfolio looks the way it is.

Why is diversification important?

Why is their allocation this way?

Why?

You know, if the client understands what y'all are doing as a strategy, together as a team, you and the client, that makes all the difference.

Because if someone comes and they say, man, my portfolio is not doing well at all, it's underperforming the market.

You have to take a step deeper and say, well, is your portfolio constructed in a way that's very conservative, that's in line with kind of your tolerance for risk, and is constructed in a way so that you're not losing a ton of money if the market tanks, but you're getting a nice, smooth, consistent return over time.

And, you know, the other thing is some people don't need to take a lot of risk to meet their, the outcome, the goal that they're trying to get to.

If someone comes, you know, back in the day, if someone would come to me and they only need a 4% return to meet every year to meet their goals, why would I put them in a portfolio that's going to earn, you know, 30% but also has the potential to lose 50%?

Right.

I'm not going to do that.

So if that person doesn't understand why we set the portfolio up the way we did, then they might.

Hey, Angela, the market's up 30% and I'm only up, you know, 8%.

Why is that?

They have to understand.

So education has to be part of it.

Because to your point, we go through elementary school, middle school, high school, college, grad school, dental school, law school, and nobody's ever taught us about personal finance.

No, as a, as a.

Go ahead, sorry.

No, that's very true.

And I've actually heard that like doctors and lawyers, they're not really taught about business.

You know, they go out and they practice medicine or they practice law, but that's not covered.

And in order to be successful, they need to understand finance.

You're absolutely right.

We're not taught how to run a business.

We're not taught how to sell.

We're not taught how to build relationships.

We're just.

There's so many things that we are not taught.

And to your point, you can go out there and you can complete law school or med school, and you start a practice and you realize, all I know how to do is how to operate on someone.

I don't know any of this other stuff.

I don't know marketing.

I don't know finances.

I don't know any of this stuff.

And so that's why it's so important.

I always talk about.

It's very important to build a team.

It's also important who you surround yourself with, who are your friends, who are, you know, what are.

What podcasts do you listen to, what kind of things do you consume?

And in terms of building a professional team, you know, I don't think it's good enough just to have a financial person.

You should have a lawyer, you should have a tax person.

You might need a therapist.

You.

You might need, you know, having a Rolodex of people you can reach out to when you have a question or when there's something you need to learn or when you need guidance on something makes total sense.

You know, I think that there's a lot of fear today.

Inflation is just has been through the roof.

People trying to buy homes.

I mean, it's just amazing.

The mortgage rates have gone up, the prices have not come down on real estate.

And if you have to buy a new vehicle, I stand back and wonder, how the heck does a family raise children and get a house?

The American dream, the North American dream.

Buy that new car.

How do they do it?

The first thing I want to say is that everything is cyclical.

So all things cycle through ups and downs.

So when, you know, right now, housing prices are high, interest rates are high, you know, inflation is high, that doesn't mean that it'll always be that way.

And what you don't want to do is make the mistake of feeling rushed because, you know, oh, I need to buy a house now, because if I don't, I'll miss out on my opportunity.

Or, you know, that feeling of being driven by the fear of missing out on something.

You always want to do things aligned with your own timing.

And when you're ready for something, especially when it comes to buying a large purchase like a house or a car, you want to make sure that you're ready to do that.

Otherwise, just take your time and try not to get caught up in the chaos of the chatter of everyone else is doing this.

So I need to be doing it, like try to block out the noise.

The second thing is, you're absolutely right, it's hard.

It's extremely hard.

Especially childcare and everything else.

Oh, and super expensive.

It's ridiculously.

I have a 2 year old and a 4 year old.

So childcare is very expensive and so is housing.

I think that my answer is you have to start thinking outside the box.

There are markets where it's not that expensive.

There are always going to be properties that are less expensive than market.

There are people renting where they live and buying investment property elsewhere where they can afford to buy.

There's ways around it, there's ways to make investments, there's ways to manage.

But you have to think outside the box.

And sometimes to do that, maybe it does require you to talk to a professional or to start reading books or to enter some type of coaching program or to really start kind of tuning in to people that are not like you.

I'll give you an example.

I attended some Grant Cardone workshop recently and he mentioned that he had been on Undercover Billionaire on tv and I wasn't even aware of that.

So I started watching the show and there's three billionaires that they put on there.

They gave them a dirty old pickup truck, $100 and a cell phone with no contacts in it.

And it had 90 days to create a business that is worth at least $1 million.

Grant Cardone created a business worth $5 million in that 90 day period.

Not only that, but it was right during when the whole Covid shutdown happened.

So he had to deal with all of that.

They all did.

Watching that show and absorbing that content and seeing how these three people, all three of them, were able to successfully start businesses with nothing but $100 in their pocket.

Right?

That's amazing.

It is amazing.

And when you watch it, this is why I'm saying it's, it's a mind, it's a mind shift thing because they know they can do it.

They went, hey, I've, I've created multiple businesses.

I know how to do this, I can do it.

That mindset alone is what made them successful and the willingness to do the work, obviously.

But I think that what I find interesting about life and me, as you know, in this business, obviously clients share very personal things with you and you hear so many stories from health issues to death, you know, a death in the family, bankruptcies I mean, businesses going out of business, lawsuits.

People are constantly faced with challenges all the time.

Life is always like a roller coaster.

So you almost have to be understanding, like it's going to happen.

It's a matter of when is the challenge going to happen and how am I going to overcome it?

There's always going to be something.

So you're right.

Right now it's inflation.

Housing prices are very expensive, you know, but we also have record low unemployment.

We have.

Artificial intelligence is just surging.

Everything can be done over the Internet.

Nowadays you can connect with anyone all over the world.

There's 8 billion people in the world.

If you can come up with some way to sell something to 10 of them or to a hundred of them, you have a way of making money.

There is a way.

And I think the biggest trap is, you know, getting caught up in the doom and gloom.

You have to transcend that.

You have to say, well, that doesn't.

That doesn't apply to me.

I'm going to make it.

Yeah.

And going to be successful.

And oftentimes you can be doing something and you have that friend who says, well, that's never going to work.

It's a negative Nelly message.

And it's not encouraging.

You don't need to have that, you know, especially, you know, because I think determination, that's huge.

And you have to be focused.

You have to have a goal.

And people lose sight of those things.

That can be a major obstruction.

I kind of wanted.

I know this is such.

There's so much to unpack with this topic.

In financial planning, what are the most important things women need to know to win at the money game?

Because women have different challenges than men do.

I really think so.

Because they typically are the caretakers as.

Well as the breadwinners.

I mean, they have lots of jobs.

Yes.

I don't want to sound negative, because this might sound negative, but you're absolutely right.

It's challenging.

Right.

If you have children, which I can speak about this, because when I was pregnant, I was exhausted the whole time.

I didn't feel like working.

I was sick.

I just was tired.

After I had the baby, I was tired.

Now that they're older, I'm still tired.

I'm tired all the time, and I don't have my own time because I have to take care of children.

And you're absolutely right.

It affects.

It can affect your ability to work the same as maybe a man would.

Yep.

You know, all things equal, like you said, at some point there's the need potentially for you to be a caretaker, maybe your parents, maybe someone in the family.

That role often falls on us.

So then that can affect our ability to earn the same way or work the same way.

We have been.

In addition to that, we live longer, typically.

Yeah.

So you have to compound that with also so living longer, being caretaker, having children.

And then there's the income disparity.

And also there's also discrimination that we face that maybe we don't even realize we've faced.

I had a job one time where, unbeknownst to me, accounts were being given out, but they just weren't being given to me.

And there ended up being a large lawsuit.

And the law firm had documentation showing that on average, my male counterpart was being given 17 accounts annually.

I had never been given an account.

So, you know, you.

Sometimes there are things, there's challenges that we face that we don't even necessarily understand or know about.

But one thing I've learned about women is no matter what we are, we are overcomers.

We.

We do things very efficiently.

We do things very well.

It's almost like the challenges have just made us stronger and made us better.

And, you know, we do that.

We do that all the time, and we do it well.

Yeah.

Women really are very resilient.

Of course, I think biologically we have to be.

We have to think about a hundred million things and possibilities just to raise children.

What's that kid going to be doing next?

You can't just let them do something.

I mean, they could get hurt.

So we got to be thinking about that while we're doing something else.

Men don't do it as well.

Our brain compartmentalizes differently.

I think that they're more.

We have more neurons than fire.

Yeah.

It's the practice of having to do that constantly, having to manage all of the mental space and having to think of more efficient ways to do things.

Stay tuned for more of women road warriors coming up.

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Welcome back to Women Road warriors with Shelley Johnson and Kathy Ticaro.

Finding the correct financial advisor is essential to making sure you have a portfolio that can weather economic downturns.

Angela Moore says you need to have an advisor who can explain things to you.

She's a certified financial planner and coach who's disrupting the financial game.

She's the founder and CEO of Modern Money Education and she helps women all over.

Education has to be part of the financial planning and management process.

There are way too many things we're not taught in school in order to achieve total success.

Finance is a very large part of our success and like it or not, you need to build a team and surround yourself with the messaging and tools to learn how to achieve that.

Having a Rolodex of people when you have a question or guidance is important.

Remember, everything is cyclical.

Life is always full of challenges.

It's a matter of making a plan to overcome them.

Rise above the doom and gloom.

Inflation may be high now, but it may not be in the future.

Don't rush big financial decisions.

Don't be driven by fear.

Always do things that align with your own timing, especially when it comes to a large purchase.

Take your time and don't get caught up in the chaos.

There are always ways to make investments successfully, but you have to dig outside the box and tune into people who are experts.

Angela, are there maybe some basic steps?

We just have a few minutes left.

Some nuggets you can give women to get started achieving a new mindset, financial planning, securing their financial future.

That's going to be successful?

Absolutely.

Something I tell everyone is start with your goals, sit down and actually write out your goals.

And then if you can begin to speak them, be obviously be careful who you speak them to, but speak them to someone who encourages you.

Because when you speak your goals now, there's almost like this level of accountability.

And then thirdly, be sure to create some type of visual if you can create a vision board or you know, put your written goals up on the wall so that you're constantly reminded of them.

Because what that does, it triggers your reticular activating system and it Brings kind of your subconscious thoughts into the conscious realm, and it.

It submerges them.

So what happens is you start working towards your goals subconsciously and consciously.

You're more likely to achieve them that way.

And you're focused on the life you want to live versus thinking about, you know, the numbers and things like that.

The next step is to get very clear on where you currently are.

That's by creating a budget or a spending plan, which you can download for free if you go to my website, which is modernmoney education.

The next step is to align your goals with your budget.

So start intentionally allocating money towards things you either love or things that align with your goals.

If there's something that you're spending money on every month that does not help you achieve your goals, and it's not something that brings you extreme joy, then try to eliminate or reduce that item.

That makes sense.

Yeah.

I mean, when you think about it, there's so many things that nickel and dime us.

If you want to watch this or.

Listen to that $10 here, $7 a month there may not seem like a lot, but it adds up.

And these are some of the things What, Kathy?

I'm sorry.

Starbucks.

Starbucks, yeah, exactly.

I mean, all these little things.

There was a financial planner that I had spoken with a number of years ago that said the amount of money people spend on fast food throughout their lifetime would be astronomical if you actually totaled it up.

Yeah.

And I think.

I think it's one of those things that is individual to everyone.

If Starbucks makes you extremely happy, then do it.

But if you're just going through the motions, going to Starbucks every day like it's nothing, then that's something that really you can eliminate.

Right.

You can drink coffee for free at work or at home.

If it's not something that brings you extreme joy.

It's the same with the other example you just.

You just gave of eating out.

If eating out makes you extremely happy, then budget it into your monthly budget.

If it.

If it's something you just do because you just haven't planned well, then, you know, put a plan together because you're right.

I think also the Starbucks example, when you go to Starbucks, you think in your mind, oh, I'm paying $2 for coffee.

No, you're paying $7 for coffee, and then you're getting egg bites.

So you're ending up spending 15, and you're doing that every day.

So how much does that add up to?

And by the way, you don't even remember doing it because it's so habitual that it doesn't even bring any value or joy to your life whatsoever.

Sure, yeah.

So what's the point of doing it?

Exactly.

So, Angela, where do people find you?

Do you work with people virtually?

I work with people virtually.

I do one on one coaching and I also have a program and I do speaking engagements.

I do financial workshops and wellness, corporate wellness events.

And you can find me at Modern Money Education and I'm also on social media at Modern Money Education.

I love the fact that you have a program designed for women.

That's so important.

Yes.

You know, I just enjoy working with women.

I enjoy vibing.

A lot of my clients become friends of mine.

It's just a vibe and so I just, I love it.

And it's so needed.

This is going to empower so many.

Women, you know, and to your point, it's just really important to be comfortable with whoever you're working with because you're.

It's almost like getting undressed.

You're opening up all your personal details and stuff.

And it's good to just feel like someone has your back and you can trust them and you can be open about things and they understand, you know.

Yeah.

You don't feel as vulnerable because the world today, especially since the pandemic, I think a lot of people feel really exposed and vulnerable.

Yeah, yeah, it's my, it's.

It's one of my goals to.

It's so important to not beat yourself up about anything.

Because a lot of these things, in a way, they're, they're systemic and it's just a matter of us not having the tools.

And so what it is, is what can I do today to arm myself with the tools and arm myself with the knowledge and the team to help me take one step every day in the right direction?

Because one day I'll wake up and I'll be where I want to be, but I just gotta, you know, have the courage to make a pivot.

Right.

Take it a day at a time.

I love this.

You've got some terrific insight, Angela.

This is terrific.

I really appreciate you being on the show.

Thank you.

Thank you for having me.

And I'm sure we could maybe pick your brain at a future date.

Absolutely.

If something comes up and people have questions, we can say, hey, we need to talk to Angela.

Yes, feel free to.

I would love to do this again.

And you know, there's so.

Obviously there's so many more things we can talk about, but with a limited time, keep it kind of high level.

But yeah, there's so many things that we can explore further for sure.

Well, bravo to what you're doing.

You're empowering a lot of women and that's so important.

You just empowered me, just so you know.

Thank you.

Well, y'all are.

I'm one of those who struggles.

I thank you.

Same to you both because your your podcast is so enlightening and motivational and it's just great to hear all these different women who have had success and are contributing in one way or another.

So, you know, thank you for doing this and thank you for having me on.

You're very welcome.

It's been an honor.

Angela, we hope you've enjoyed this latest episode.

And if you want to hear more episodes of Women Road warriors or learn more about our show, be sure to check out womenroadwarriors.com and please follow us on social media.

And don't forget to subscribe to our podcast on our website.

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They're a series of podcasts from different podcasters, so if you're in the mood for women's podcasts, just click the Power network tab on womenroadwarriors.com you'll have a variety of shows to listen to anytime you want to.

Podcasts Made For Women Women Road warriors is on all the major podcast channels like Apple, Spotify, Amazon, Audible, YouTube and others.

So check us out and please follow us wherever you listen to podcasts.

Thanks for listening.

You've been listening to Women Road warriors years with Shelley Johnson and Kathy Tacaro.

If you want to be a guest on the show or have a topic or feedback, email us at sjohnson@womenroadwarriors.com.