Breaking Free from Money Trauma to Earn & Save with Chronic Illness | Aqura Nicholson - Business With Chronic Illness

Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Nikita Williams (00:00):
A quick note before we begin.
Some of the topics in thisepisode may be sensitive or
triggering.
Please listen with care andremember it's okay to pause,
skip or seek support if anythingfeels overwhelming.
Also, the information sharedhere is for educational and
informational purposes only.

(00:20):
Coaching, like the guidanceshared here in this episode,
focuses on self-reflection andactionable steps, and it's meant
to be therapeutic, but notmedical or therapy support.
Your well-being is the priorityas you listen, so take care.

(00:41):
Welcome to Business with ChronicIllness, the globally ranked
podcast for women living withchronic illness who want to
start and grow a business online.
I'm your host.
Nikita Williams and I went fromliving a normal life to all of
a sudden being in constant pain,with no answers to being
diagnosed with multiple chronicillnesses and trying to make a
livable income.
To make a livable income, Ifaced the challenge of adapting

(01:04):
traditional business advice tofit my unique circumstances,
with chronic illness, feelingfrustrated and more burned out
than I already was.
While managing my chronicillness to becoming an
award-winning coach with aflexible, sustainable online
coaching business, I found thesurprisingly simple steps to
starting and growing aprofitable business without
compromising my health or mypeace.

(01:26):
Since then, I've helped dozensof women just like you learn how
to do the same.
If you're ready to create athriving business that aligns
with your lifestyle andwell-being, you're in the right
place.
Together, we're shifting thenarrative of what's possible for
women with chronic illness andhow we make a living.
This is Business with ChronicIllness.
Hello everyone, I'm so excitedabout this episode with Akira,

(01:58):
our money coach, our expert onmoney.
I should say I'm excited tohave her on.
If you've been following me onInstagram.
You know that we've done a liverecently and I just thought we
should have more conversationabout money.
I don't know about all of youwho are listening, but one of
the biggest questions I feellike a lot of my clients have

(02:18):
with me, and I've even had withmy coach, is like why do I have
such a hard time with money?
Why does it feel so stressful?
How do I kind of approach moneyfrom a neutral standpoint?
Why do I feel physicallycertain ways when we start
talking about money?
What are some of those things?
And I think, as chronic illnesswarriors, it's something that

(02:39):
we all want to kind of feel alittle bit more empowered by.
All want to kind of feel alittle bit more empowered by
versus not, and so I thought whynot have Akira on the show?
So I'm so glad she's here and,yeah, let's welcome you.
Welcome.

Aqura Nicholson (02:54):
Thank you, nikita, thanks for having me on
your show.
I always like when we gettogether, we always come up with
some new gems, so I'm excitedto hear what they will be today.

Girl, let me tell you about new gems for a
second.
Our live that we did got me.
You know it's so fascinatingwhen you go into a space and
you're thinking about the thingyou know well, like you have.
You're a money coach, you knowmoney, you think about money a
very specific way and you'vekind of got your world with it
and I think about running abusiness with chronic illness
and in my very specific way, andyou've kind of got your world
with it and I think aboutrunning a business with chronic
illness and in my very specificway.
But hearing you talk aboutsomething in our conversation or
alive made me like have thiswhole new, like pivot in my

(03:37):
brain.
Not a pivot, it was more oflike a way of talking about
chronic illness and it created awhole new concept.
I've been loving it, but itliterally is because of you and
I was like she got me sparkedover here, talking about, like
the phases of where you are withyour money and it had me
thinking about you know, livingwith chronic illness, how we're
in different phases, and it'sled to this whole new like

(04:00):
giving yourself grace andunderstanding about where you
might be, what expectations youshould be having or ones that
are not serving you.
And I think again just kind ofbring it full circle back to
talking about money and how itshows up for us and how we feel
about things.
Man, are we all in differentphases when it comes to money?
How do you feel about likemoney in general, money in

(04:23):
general?
How do you feel about likemoney in general?

Money in general.
It's funny that you ask,because I just feel so
unbothered by just talking aboutmoney, like I wish that,
instead of asking someone andit's funny because we were when
we were in the green room,nikita and I were talking about
how everyone's like how are youdoing today?
I feel like we should be at apoint where, like how's your

(04:45):
money today?
How are you doing with yourmoney today?
Like I want that to be the newnorm just to talk about your
money in a normal conversation,not to be ashamed about it, to
say I'm doing well with saving.
I'm struggling with savingsright now.
I'm trying to earn more money.
I'm trying to bring in moremoney in my business.
I am bringing in more moneyfinally in my business.

(05:05):
Whatever the thing is, I wishwe could just talk about it more
, because then and I think thisis probably what happened to you
, nikita it's so much weightthat's lifted and it gives you
that much more space to thinkand you probably just had more
space to think because youweren't subconsciously stressed
about money and I know we'll getinto it later.

(05:27):
But a lot of that comes frommoney trauma and understanding
what that is, how that impactsyou and how a lot of times we're
just operating out of fear.
So when people ask me, likewhat do I think about, I'm like
let's talk, let's get into it.
Like what do I want to talkabout today?
Retirement investing, savinglike what's the thing Debt?
Hey, retirement investing,saving like what's the thing?
Debt?
So I'm always ready to go.

Oh my goodness, that alone is just a mic drop
of like yeah, why can't we justtalk about money, like how's
your day?
Like when you said that, I waslike I don't know if I'm on that
level with you yet.
Akira.
Cause I'd be like I don't know,I don't know if I want to talk
about that right now.

Yeah, and even for me I feel like this is a
good moment for me to be verytransparent about even though
I'm a money coach everything isnot perfect.
I am still trying to figure outthe best way to build my
savings as an entrepreneur.
That is not something that Iever had an issue with when I
was working a nine to five.
So if the listeners don't know,I'm an engineer.
I worked in the nuclearindustry for six years.

(06:27):
It was very I put constant, Iput money in my savings.
I put money like it was justvery steady.
And now I'm like how do I figurethis out as a business owner?
And I think, now that this ismy second year, it's becoming
more clear to do it in a waythat feels good and to shy away
from feeling like it's onlyright if I did it in the same

(06:49):
way I did it at my nine to five.
So like that's where I am withmy money and it's not perfect.
And I think a lot of peoplefeel like, because you're a
money coach before you, becauseyou like talking about money,
everything's perfect.
Like no, I'm figuring it outtoo, because there's new stuff
that I face every day, but itdoesn't mean that I can't adjust
certain ways of thinking,certain ways, certain habits
that I have in order to stillachieve the goals that I want to

(07:11):
achieve.

I mean you had it on.
I think that's I love that youbrought that out.
I think we all put once we area label.
I think it's this weird paradox, even as coaches, as people who
are like this is what you do,like there's this part of us
that, like we know we're not,we're not perfect, we're not

(07:34):
like got this a hundred percent,figure it out.
We might be like maybe a coupleof stairs or staircases above
you, maybe we might even be inanother building that you ain't
got into yet, but we still haveour own things we haven't
figured out.
And I think it's important,especially when it comes to
money, to be vulnerable in thatway and share that.

(07:55):
I think we should be like thatin all areas.
I'd be telling my clients allthe time, just because I'm on
here on social media talkingabout thinking about going to
hospital and doing all thisother stuff and growing a
business don't mean I don't havebad days where I'm like sitting
in the corner crying, beinglike why is this so hard?
Like it's real talk, and Ithink to your point, I think we

(08:16):
all, as experts or leaders,should have room for this fact
that it is still kind of messyin some parts of our, our
journey Right, and that's okay.

Exactly, I agree a hundred percent.

So let's talk about your journey.
Let's talk about your journeyfor a minute, about money, like
so you were just saying you,your background is like working
full time.
Are you still working full time?

No, I left in the end of 2022.
That was my 2022 goal.
How did you get there?
Oh, that's funny.
So let me go back.
Where I truly come from isalways being used to living in
paycheck to paycheck cycle, somuch so that I didn't even know

(09:01):
that it wasn't normal for otherpeople to not do the same thing.
Okay, because my parentsgrowing up were always talking
about how there will just neverbe enough money, no matter how
much money they were earning.
My mom she's a respiratorytherapist.
She worked night shifts, soshe'd have night shift
differential.
She worked overtime.

(09:23):
We were at home a lot of times,but, like, she was always
working.
My dad was always working andI'm like the math is not math.
How is this possible?
Of college, right?
So, first of all, I chose anengineering degree because

(09:46):
typically they were known tohave high incomes, right?
And for me, I was like if Icould just earn a lot of money,
then I will not have to livepaycheck to paycheck.
So I realized, when I startedmaking my own money, I didn't
know what to do with that money.
I did not know what like.
I truly didn't know why youshould even save money, because

(10:09):
the only time I saw any savinghappening in my house is when we
were moving from like townhometo townhome and we needed the
first month's rent and like thedeposit right, or we were buying
a house, like it always wasthis big goal.
It was never just like you justhave a habit of saving for
things that might come up for arainy day, for a sinking fund,

(10:32):
and so when I started making myown money, I was just spending
it.
I was just doing the same thingthat I saw, the same thing that
I was used to doing, and itwasn't until I realized that the
little things that I should besaving from like, oh, this is
why it's OK to save money, andlike, oh, this is why investing
is important, because you don'thave to have a million dollars

(10:55):
just sitting in the bank.
You can have X amount investedin 40 years it is a million.
So just those basic financialliteracy skills.
I truly had no idea.
So, even though I was earningmoney as an engineer so I talk
about I went from zero to 62K at22,.
I was spending that 62K.

(11:16):
I had little to no expenses.
I moved back in with my parentsthey let me stay there rent
free, like I didn't have a carpayment.
I'm like I don't know wherethat money was going.
Clothes, shoes, hair lashes,nails, like all the stuff that
people just spend money on.
I was like, yeah, I can do thatnow and I don't have to ask
permission.
Or like ask my mom to help orask my dad to help 62K at 22 and

(11:47):
I was living paycheck topaycheck until I realized that
one I was in a paycheck topaycheck cycle still, even
though I was making good moneyor even though I was a high
income earner.
And it had nothing to do withthe amount, it had everything to
do with how you were managingit.

So that's really kind of my background and
my money story.
Akira, oh Akira, like who theheck am I outside of?
You know chronic illness, likewhat's my vibe, what's my style?
You'll always be seeing metalking about what to wear.
I'm in the era of, like, whatis Nikita's life right?
And so when you're over heretalking about paycheck to

(12:34):
paycheck and you went like fromzero to 62, but you was living
at home, I was like this soundsvery familiar, but in a
different way, because I, youknow, I'm married at my husband
and I we have experienced thatoften.
Where we're like in a, we'relike how, how, how are we still
feeling like we live in paycheckto paycheck and yet we make in

(12:54):
more.
But but also we know expensesare higher.
But also I know where themoney's going, but I don't
understand it where the money isgoing.
But I don't understand it and Ithink it's interesting how what
you're saying is that it's notnecessarily that you need more
money.
You need to know how to handlethe money you have.

Exactly.
And that happens at any incomelevel, because someone that's
earning 50k can be in the samepaycheck to paycheck cycle as
someone who is earning 250K.
And how I describe this is ifany one of these four things are
true, then you're livingpaycheck to paycheck, regardless

(13:34):
of how much money you earn.
So if any of your money leftover after bills is not being
used intentionally towards likeplan spending or debt payoff or
like whatever your goal is,because you don't know where
your money is going, or youdon't know your numbers, if
you're going into more and moredebt each month, if known things
that's coming up, whether it'sChristmas, whether it's like

(13:56):
property taxes or like carmaintenance or home maintenance,
it's putting you backfinancially every time they come
up because you're notstrategically planning for them.
Or you're just like not able tomake consistent progress
towards whether it's yoursavings goals, investing goals,
that payoff goals.
And how this looks is thatyou'll put money in savings for,

(14:16):
let's say, down payment on ahome, but you got to put it back
out two weeks later becausesomething comes up.
Or you're paying off a creditcard, but two months later it's
maxed out again.
So like you can't make thatconsistent progress to actually
achieve that financial goal.
So if any one of those fourthings are true, then you are in
a paycheck to paycheck cycle,because now you need that next

(14:40):
paycheck or that next, you know,business owner distribution or
owner's draw or whatever inorder to now backfeed what you
missed or now needed to make upfor it.
And so it keeps you just likegoing forward, then going back,
going forward, then going back,which is ultimately a cycle.
And I think that people strugglewith that term and identifying

(15:03):
with it, because it's like oh, Iearned too much money to be in
a paycheck to paycheck cycle, orI'm not broke, or I'm earning
30K more than I was before.
Like that that can't be true.
And really it's, there's noshame.
Like that's it just is what itis.
And I think that's what I meanby like just being unbothered by
it, like unbothered by money.

(15:23):
It's like, yeah, that's justwhat it is, so now I can
strategically get out of it, soI don't have to keep being in
that same cycle.

I love that you explained it like that, because
that's how I feel about chronicillness.
I feel like there's this shamearound that you have like flare
ups that you might have a badseason, like I'm in this season
right now where I have a lot ofunknown health stuff going on
and I don't feel any shametalking about it because I'm
like this is it's called chronicillness for a reason, like it's

(15:55):
it's never going to be likegone.
If it does and if there's acure, I'm all for it, but like
right now that's what it is,versus being like I'm all for it
, but like right now that's whatit is, versus being like I have
done something wrong in thesense of being, like I caused
this and something you mentionedearlier which is like financial
literacy.
I think in general, we nevergot this education, so the shame

(16:20):
is kind of like sometimes wefeel like we should know, but no
one ever really taught us thisstuff.
Like you went to school.
I remember in high school Ithink I maybe have had had like
one class and it was like onelesson on accounting or
something like like checkbooksor something like what's in your
, what's your routing number andwhat's your checking number.
What does a checkbook look like?

(16:40):
Like this is high school stuffand I just think about, like
even in college we talked aboutmoney but we didn't actually
talk about managing money.
We talked about how it lookslike in the big world, but not
when you drill down into okay,what does this look like for me
when I get my paycheck Right?
And so to your point.
If we can just first giveourselves space to be like, hey,

(17:03):
I don't know, or this is partof what happens when you don't
know and start working with it,it's kind of like when I tell my
clients with chronic illnessI'm like you know that chronic
illness is a thing you're inhalfway up, so you're going to
have issues, so let's just planfor it, let's just look for a
way to work with it.
And I think that's what you'rekind of also saying with the

(17:23):
money part, right, like it's.
Like you know you might behaving this cycle.
It doesn't mean anything aboutyou, it just means like okay, we
need to adjust some things.
So if someone's listening tothat, I'm like girl, but how do
I get over the shame?
Because I feel like people willbe looking at me like what you
mean?
You paycheck to paycheck andyou make it a hundred and or 60
or whatever, like how doessomeone from a body holistic

(17:47):
standpoint get out of that money?
Trauma that a lot of us areexperiencing.

So it's interesting that you bring this
up, because I was just likedoing sometimes, I just like
write out what are some thingsthat I want to talk about, and I
was just writing about this.
I need to talk about what itlooks like to really address
some of those things because ofhow much different you will
approach whatever you're tryingto do with your money.

(18:13):
So, for example, at thebeginning of every year,
everybody want to build a budget.
If I want to build a budget,you want to stop spending $800 a
month on food.
So what do you do?
You download the app, you buy aplanner, you make a spreadsheet
, right, you cut your budget to$400 a month instead of $800 a
month by January 21st.

(18:36):
It is nowhere to be found why?
Because there was nointentionality about why am I
not able to quote, unquote stickto a budget, if that's really
the problem, right, whichtypically is not the problem?
Or why do I feel so much anxietywhen I even sit down to do a

(18:56):
budget?
Why can I only do this at thebeginning of the year?
Even when I do sit down to dothis?
How do I actually feel?
Or what am I afraid of?
And I was just talking tosomeone the other day and she
was like I just want to pay myhouse off in 10 years.
We bought in 2021 and I want tobe done in 10 years.
And 10 years kept coming up,coming up, coming up.

(19:18):
And I said why are you putting10 years on it?
And she she started crying.
I just asked her that simplequestion and she said every job
I've been at at the 10 year mark, I've even I've gotten laid off
, so she's operating out of fearnow because, she's scared that

(19:42):
at 10 years she might not bebringing in an income anymore.
So she wants to have the biggestline item taken care of, which
is her mortgage.
But if I would have never askedher that question, she would
have kept going 10 years, 10years, 10 years, whatever it
takes.
And she was telling me it'scausing her to accrue more debt

(20:05):
because she's making an extramortgage payment which is eating
up her cash.
So sometimes you really have tosit with why you are doing what
you're doing with money and ifyou don't, you will keep doing
that thing, keep operating outof fear and not even getting to
where you want to get to.
So that's what the differencelooks like.

(20:32):
So now she can actually takethat extra mortgage payment and
use it to start building up somecash so she doesn't have to go
deeper into debt and she canstill pay off her mortgage early
.
It might not be in 10 years, ormaybe it will be, because she
can double her salary.
There are so many ways to payoff your mortgage in 10 years,
but if you try to jam pack itbefore you get out of the
paycheck to paycheck cycle,you're just going to keep taking

(20:52):
the paycheck to paycheck cycleto the next income level, and so
that's what it looks like whensomeone truly sits with.
How does my body feel when Italk about this thing?
Why am I still working at thisX amount of years later?
Why do I still have shame aboutthis same thing?

(21:12):
Why am I repeating the samethings my parents did?

That's such a good point.
Akira Akira, that was so good.
I'm like Akira Akira, that wasso good.
I'm like woo, that's good andspicy.
I feel like I I feel that forthe women and the people
listening to this episodespecifically who have trauma
connected to the reason whythey're in debt, and I'm I'm

(21:37):
very upfront with people and I'mlike, yeah, I have tons of
medical debt Like it's not ajoke, like if you had spent the
first five years of yourmarriage, literally when you
were literally just out of highschool, college, and you ain't
got no job, job, you ain't gotno job and you go from like

(21:58):
living a normal life to being inthe hospital three or four
times a month.
Okay, you're gonna rack up somemedical debt.
There is no ifs, ands or butsabout it.
It's gonna happen.
And I think a lot of times,because the way that we view
that, we view that, oh, we areirresponsible.
And so when other things comeup, like you know, like you were

(22:21):
saying, like I need to pay offmy house or I need to pay off
this car so I can have moremoney for this treatment or that
treatment, or even in yourbusiness, like I need to make
this amount of money.
I have a client.
I have a client who wants to,like, hold onto money, like, so,
like the thought of an expenseor an investment is.

(22:43):
We do a lot of work to get tothe point of being like, okay,
I'm ready to release that.
And I do think a lot of work toget to the point of being like,
okay, I'm ready to release that.
And I do think a lot of this hasto do with our thoughts about
how, like you said, how are wefeeling about money in our body?
And then how does that show upin reality?
Like what does that thought,that feeling, create in your

(23:04):
reality?
And to your point, she couldhave sold I mean she could have,
she could pay off her mortgageby not going in debt in a
completely different way thanwhat she was doing and probably
way more efficiently, if shejust accepted that.
That's the reason why she wasapproaching it that way.
So I I am with you.

(23:24):
That's that same thought processthat we, we kind of learn in
some mindset work around.
The thought that you are havingis creating the result that you
likely don't even want, whichis more debt, more stress, more
paycheck to paycheck cycle.
You're just rehearsing the samething.
And so when you think aboutthat with clients and for

(23:45):
yourself in your journey, whenwas that flipped?
When did that with clients andfor yourself and your journey?
When was that flipped Like,when did that thought shift,
change for you to being like, ohyeah, I'm in a cycle and now I
need to change it.
And how does that feel in mybody, like, how did you shift
into where you feel like you arenormally baseline neutral with

(24:05):
it?

are normally baseline neutral with it.
Yeah so, nikita, it truly tookme three years to get out of
that cycle.
The main reason because I didn'twant to acknowledge I was in
that cycle because here I am anengineer, right, because we were
so like because we're sospecial or whatever, or because
we make so much money, orbecause we're so smart, or like

(24:27):
because I, we make so much money, or because we're so smart, or
like because I know math well,like all these right, because
I'm supposed to be better withnumbers, because I'm an engineer
, so a lot of it was just notwanting to acknowledge the fact
that I was in a paycheck topaycheck cycle and trying to
like fight against it and showthat I wasn't by doing all the

(24:47):
things getting my hair done,buying the clothes, going out
with friends, like showing up ina way that people not living
paycheck to paycheck supposedlyshould show up.
But then I'm like, but Ishouldn't be excited to get up
at five o'clock in the morningjust to check my bank account,
cause the direct deposit isthere.
Like why, why am I doing this?

(25:11):
Yeah, I'm like this is silly,like.
I really had to start.
And you start seeing how whatyou're doing, Just like why,
yeah?
And I had to just get honestabout I was repeating the same
exact things that I wasquestioning about my parents
when I was growing up and, justlike seeing that mirror

(25:34):
reflection, I was like, OK,either I got to figure this out
or this is just going tocontinue to happen.

And.

I don't want it to be the case.
I remember going to when I waslittle.
We always lived in like a townhome.
We didn't buy our first houseuntil I was probably in high
school.
And I remember being inelementary school and I went to
a friend's birthday party andher house was so I was like how

(26:05):
it had multiple levels and Iremember being like how do
people I literally couldn't makesense of it, because it's just
something that was so out of myworld and I'm like, but it and
like.
There was always this thing inmy mind, like, but it's possible
, Like people are out here doingit.

(26:26):
I just have to figure out how.

And so.

I would think about that a lot too, like I've
been in those homes that I seethat's attainable.
I've I've seen it, so it has tobe possible.
My family clearly doesn't knowthe answer.
I don't feel comfortable withasking people how do you do this
?
Because I feel embarrassed.
So that's why it took me threeyears to get out of it, because

(26:51):
of the shame that I had all thisstuff, and that's why even on
sales calls, I mean, I can ask aquestion and tears will start
flowing because I can see it.
I can literally see it.
In the same way that tearswould have started flowing for
me if someone would have beenlike you're just repeating what

(27:13):
you said you don't want torepeat, I would have started
bawling my eyes out and so now Ican just see it.
But the switch was seeing thatI was repeating the cycle that I
said I didn't want to be in,and then also know like there
was a little part of me thatknew this doesn't have to be the
case.

Something made you feel like it's that moment
of being there's like noteverybody lives this way, not
everybody lives this way, and itcan't just be by chance.
Like there has to be a way thatyou could actually like it
could be possible for me and Ijust don't know what it is yet,
because someone mirrored thatreality for you, right, and that

(27:54):
was the switch right, kind oflike wait a minute, so we don't
all feel shame and have to dealwith money like this, like
that's everybody, right, and wewere in the same classrooms.

Like it's funny when you go to college you see,
just so like a broadrepresentation of people and for
, like, I went to a pwi so itwon't that many of us hanging
out there, but it was some blackpeople there and I'm like y'all
got money, what I thoughteverybody I, nikita I truly

(28:26):
thought it was normal to beliving.
So then, even that, like, evenwhen I had some of those friends
in like elementary school, highschool, whatever, and then to
see it like 10x in college, Isaid, oh, this is really
possible.
And so, yeah, I held on to thatand the fact that I was in the
same rooms as these people I hadlike it didn't make it feel

(28:48):
like it was so far away.
It was just a matter of how canI make it make sense for me.

I love that you said that the rooms were in
y'all.
I'm telling you like I cannotlike just being in the space
sometimes with different peoplethat have different perspectives
, especially when it comes tolike different lifestyles, even
in businesses, is why Iencourage clients with who have
businesses like get around otherbusinesses that aren't your

(29:16):
business, like this is why I'mhaving a money coach on the
podcast.
It's like it breaks your brain,sometimes in the best way, and
also it helps your brain find asolution to something that it
didn't want.
Like your brain.
I feel like your brain wasalways like yes, I feel shame
about this, but I also don'twant this.
Show me another way.
And it found like well, they'reliving this way.

(29:37):
How can I do this?
And I think that is one of themost powerful tools we can give
ourselves is give ourselvespermission to step into rooms
that we feel like we don'tbelong in and to stand in it.
Right, I?
I truly believe that.
As weird as it sounds, yeah, Ijust recently was asked to speak

(29:58):
and I'm speaking this weekendat a summit and Amy Porterfield
was like the keynote and I waslike you, you y'all want me and
okay, yes, not ready for it,girl, I'm not ready for it, but
I'm like I'm going to be, I'mgoing to be in that room, and I
think that's the piece that wehave to give ourselves
permission.
We have to say, even if I haveshame, I'm willing to stand in

(30:22):
the light in order to see what'spossible.
And I think that's exactly whatyou're saying, Like, okay, now
I see it's possible.
And I think that's exactly whatyou're saying, Like okay, now I
see it's possible.
So now, what?
What did Akira do?
Now?
Because you were like I'm notasking these people, but how did
you get from?
Okay, it's possible.
To like now you're a moneycoach and you can almost say
like, hey, how y'all doing withyour money, what's in your
savings account?
Like how we get here.

Yeah and OK, before we go there, I just want
to say something real quickabout money trauma, because I
think you painted it clear, butI'm going to like bring it full
circle.
So money trauma is literally anytrauma that happens as a result
of money, but it becomes animpairment to our quality of
life even when the circumstancesaren't the same.
So, for example, for me, livingpaycheck to paycheck and that

(31:07):
becoming an impairment for me,even though I had basically zero
expenses at 62K, I was stilldoing the same things and in
that state, every response islike an action of survival or of
habit rather than a mindfulaction based on like a cognitive

(31:28):
choice.
And so when I was saying, whatI was doing was just repeating
the cycle that I was in, but thecognitive part of my brain knew
that I didn't have to do that.
So you'll often see like twothings be true at one time.
You will act out of habit orbased on the subconscious part

(31:49):
of your mind, even though youknow something else is possible,
because I don't want for peopleto think that something's wrong
with them if they keep doingsomething even though they know
that there's better out there.
That's just how you know thatyou are probably in a state
where trauma has impacted you,even though you know you don't
have to still operate in thatway.

(32:11):
So I just want to make thatclear.
I don't want anybody to thinkthey're crazy, that they know
better and they just aren'tdoing better.
Those two things can behappening at the same time.
Okay, so I think the questionwas how did I get here?
Okay, so I think the questionwas how did I get here?

Yeah, so from from like in these rooms to be
like y'all got money and I'mstruggling paycheck to paycheck.
How do y'all do this?
How did you get from from thereto to where you are now?

A lot of trial and error, a lot of DIYing that
I probably did not need to do, alot of feeling like I need to
be super disciplined and makingeverybody around me aggravated,
annoyed, ie, my, because I wasjust like I have to figure this
out, like I have to get out ofthis state.
So at first, what I did was thesame thing that everyone does
we try to build a budget.
It's like, okay, build a budget, download an app.

That's what they say.
They say you got to build abudget and solve everything yes.

So I did that and I'm like, okay, this makes
sense.
Well then I was like but I'mstill not able to take my car to
get an oil change withoutneeding to put on a credit card.
Like, okay, so I'm missingsomething.
So now I'm DIYing again.
Like, okay, does that mean Ineed to save for it?
Is this something that peopletypically charge?
Like, I was literally liketrying to figure out this stuff
by myself, without asking people, because I was so embarrassed

(33:56):
about it and I truly didn't knowif that was the case.
So then I remember I bought myfirst car and I saved up $2,000
and I couldn't believe it.
I was so proud to take that$2,000 to the dealership and,
like buy a car and walk out witha key.
It was like a game changer,because one, I showed myself I

(34:19):
could save, even though I didn'tknow.
But two, it helped me realizethat I could do this for other
stuff too.
And so then I started saving forthe things like the oil changes
, for getting braids, likewhatever I wanted to do with my
hair.
I started questioning like, doI really need these?

(34:41):
Like I'm not even goinganywhere?
Do I really need to be buyingall these clothes?
What do I want to buy, right?
And so then I had a you know atime of doing all that.
Well then I found the firemovement, which, if you are not
familiar with it, if you're alistener, it's called financial
independence retire early, okay.

(35:01):
And I was like, oh, people areretiring early, early.
I don't even know people in myfamily that have retired.
What so, nikita?
It wasn't like how there'slevels to this.
There are so many.
I'm like, oh, shucks what.

(35:23):
I felt like I had learnednothing.
So, that's when I started likeobsessing.
This is my obsession phase.
I'm like, okay, I have toinvest the most money I can.
I have to save the most amountof money I can.
I have to spend the leastamount of money.
It was it truly turned into anobsession because I just I truly

(35:44):
could not believe that peoplewere retiring early, when I
wasn't even seeing people thatwere retiring period.

Yeah, yeah.

So then this was probably like my last stage,
because at this point I was notallowing myself to go to
Starbucks, to go to Target tobuy clothes, to get my like
nothing.
I was cutting our food budgetdown to like nothing.
I had to cook Like I was makingeverything miserable, and then

(36:13):
my husband so kindly pointed outthat it was insanity.
I'm like you know what.
You're right.
You're right.
And so that was the momentwhere I'm like, okay, it doesn't
have to look this way.
So I'm like, okay, if I retireearly, does it mean that I have

(36:33):
to retire at 40 or could I makeit 45?
I started to think, like, wherecould I make this my own?
What do I like to spend mymoney on, in a way that I don't
feel restricted but also stillallows me to save, whether it's
for a down payment, whether it'sfor an emergency fund, right.

(36:53):
And so that's when I reallyrealized that you can make it
look healthy and still achieveyour financial goals.
Getting there, it doesn't haveto look like we say like 50, 30,
20, split, 50 expenses, 30 x.
When, like, I'm like, okay,these people are trying to put

(37:16):
me into a cookie cutter box andI've, this is making me
miserable.
So, like, how can you make thisadaptable for someone who has
not been successful with that?
And so I think that's where Iam now and that's how I can.
That's how I'm able to help myclients drop so much of the
shame.

(37:36):
Because in my own journey Irealized it doesn't have to look
like this idea of whateverybody made it look like.
You don't have to be totallydebt-free in order to buy a
house.
You don't have to pay off yourstudent loans in order to build
a three month emergency fund,and this is what it can look
like for you to get therewithout trying to achieve these
societal standards andexpectations.

(37:58):
That's totally bullcrap.

You know we'll talk about this in a second the
whole concept of like concept,the whole thing about debt.
But because debt in itself hasso much trauma connected to it,
and I think, more so to certaingroups of people, does debt have

(38:22):
a heavier shame cycle?
Whatever shame cycle whatever.
But when you were just talkingabout, like, trying all of the
things and this is one of thethings I like to just call out
for people who are like, whyshould I invest in a money coach
?
Why should I invest in a coach?
Why should I like, why should Ibe spending my money doing
these things when I could besaving this money?

(38:42):
Like, first of all, you knowyou ain't going to save it.
Let's just be real.
You ain't done it yet.
You ain't done it yet, so youmight be in this cycle as well
and still in the same phase, onethat a cure may have been in
right.
So I think it's important tohumanize the fact that the
reason why we offer theseservices or offer these kind of
containers is mostly because,goodness gracious, if someone

(39:04):
had given me the map that I nowhave and like been able to say,
like there are three phasesstarting and growing your
business, living with chronicillness and you're in one of
these phases and this is how weneed to like finesse it for you
specifically.
What will work for you, mygoodness, would I have been like
all over that, but Iexperienced that.

(39:27):
So therefore, I created itbecause that didn't exist.
And I think to your point, likebeing able to have someone to
be like go have the coffee, likeyour husband was like that
person for you to be kind of, belike this is crazy, babe.
Like can we?
Can we eat now?
Can we eat more than carrots?

Are we going to look for more leaves on the
tree, like what's happening?

What's happening.
So I think that's a powerfulthing just to like acknowledge
that you don't have to do thismoney, reversal of trauma and
all these things by yourself.
You don't have to try all thethings and not all the things
are for you.
Like I think that's somethingimportant for us to call out, to
like to your point.
Like you don't have to try allthe things and not all the
things are for you.
Like I think that's somethingimportant for us to call out, to

(40:10):
like to your point like youdon't have to be debt-free to
buy a house, you don't have tobe debt-free to buy a car.
Like there's so many things youdon't have to be that we are
told or sold I'm going to saysold that we have to be before
we create or take these steps.
But let's talk about debt for asecond, because debt, this world

(40:31):
runs on debt people.
That's all I'm going to say.
Okay, this world runs on debt,it runs on debt and it runs on
people.
There are people who use debtas leverage and there are people
who don't know what debt is andtherefore they continue to
create a cycle of debt that doesnot serve where they're going.
That's my learnings, my newawarenesses around debt.

(40:54):
How would you describe debt forpeople to kind of break down
some of the blocks that we allhave heard when it comes to debt
?

So here's my honest opinion about debt For
the people who have not grown upin generational wealth, for the
people who have not grown upwith land inherited to them or
just like all this access tomoney in ways that we know that
other people have it, and I'mnot saying it's just limited to

(41:30):
this group of people.
I'm just saying specificallyfor this group of people.
Debt becomes our identity andit becomes shame, in a way that
debt becomes an opportunity forthe people that have built
wealth, because they use debt tobuild wealth, and the biggest

(41:51):
shift that I think about when itcomes to debt is wealth.
Always build up your cash andmanage the debt.
Always build up the cash andmanage your debt, because when
you do it in reverse, if you tryto become debt-free, if you try

(42:11):
to put all your extra moneytowards debt, you're tying up
all your cash with debt.
All you're doing is creating acycle where you are now reliant
on your credit card because youdo not have the cash to take
care of the things that you needto take care of.
Cash is and will always be king,and if you don't believe me and

(42:37):
if you really want to get intoit, go look at the top five
companies on the S&P 500 andlook at the amount of cash that
they have, your top performers,whether it's a company, whether
it's people.
They have cash, so much so thatthey will still use debt in
order to make sure they arekeeping that cash.

(42:58):
Because that is where you haveopportunities, that's where you
have options, that's where youhave flexibility and that is one
of the biggest shifts myclients have to make in order to
release the shame they havearound their debt, because they
have truly been in a cycle wherethey are depleting all their

(43:19):
cash to pay off debt and theyend up right back in debt and it
just repeats over and, over andover again.
So that's my thoughts on debt.

Yeah, no, that's my, that's my drop.
That was one of my biggest ahamoments.
When I started running my ownbusiness around looking at money
and understanding money, I usedto be so triggered by the word
debt.
I used to be so triggered bylooking at my debt.
I used to be looking at it andjust being like, oh my gosh, I'm
never going to get out of this.
And then, anytime anythinghappened, of course I was trying

(43:52):
to pay off my debt, so ofcourse I would be in more debt.
It just created that same cycle.
And then, the moment I startedgiving myself permission to be
like you know what, we can justpay the minimum and keep saving,
like I'm okay with that, thatshifted.

(44:14):
Like me, looking at debt asthis thing that's out to get me
to being like it's there, but atleast I have some cash, like I
don't know about you, but likethe energetics of you have debt,
but you also have money in thesavings account, feels a lot
different.

A lot different because you have options.
No one wants to feel like theydon't have options ever.
You always want to feel likeyour back is not up against the
wall.
That's where all of the likeanxiety happens.
That's where all the stresscomes about happens.
That's where all the stresscomes about, and you do that

(44:42):
when you tie up all of your cashand debt.
Now it's really overwhelming toyou, because not only do you
have all this debt, you don'thave any cash to deal with other
things that come up, becausethey will come up.
Oh, yes, we know that, and thisis also yeah.
This is also not to say thatyou should just ignore debt or
you should just go take out aton of debt.
No, what I'm saying is, if youhave debt right now, what is a

(45:07):
way that you can shift yourpriorities for X amount of time
so that you can build up yourcash while managing your debt in
terms of paying the minimum,terms of paying the minimum?
Just so you give yourself someoptions, you can always go back
to paying extra towards yourdebt after you have built up

(45:29):
cash, yeah, yeah, okay.

So let's talk about savings, now that we've
talked about debt.
We haven't gone through a wholelittle experience here.
We've gone from the moneytrauma to like the story of like
you know how Akira got to whereshe's, at the different things
she tried, how it feels in ourbody, to debt.
Now let's talk about the thingsavings.

(45:51):
Right, like savings andinvesting, investing is like a
whole new world.
That's a whole new episode inmy brain.
But savings, how does?
And I think savings is very muchlike building up the muscle and
this is and I do think it's amuscle that I like to say, like
for my clients living withchronic illness, it's a muscle
of deciding that in a season ofwhatever, you're still going to

(46:14):
do this thing.
It might be like it might be alittle bit, but you're still
going to do it.
You look very different thanwhen you're like in your glow
girl, chronic you self, andyou're like feeling your best
life.
You might be able to do ahundred percent way more than
you did in December, when youwere barely like getting your
foot outside the door or out thebed.
Like it's going to lookdifferent, but at least it's

(46:36):
still a muscle you're buildingon and I think savings to me has
become part of that practicethat I've been hearing a lot
about.
What is your approach tohelping people step into savings
in their business, in theirlife, like, how do they do this?
And the first thing I want tosay is that every time I think
about savings, I think about theenvelope method, and I have

(46:57):
feelings about the envelopemethod, but I'm curious how do
you support people or tell themto start taking these first
couple of steps?

I help people see very clearly what they are
required to do every month.
So what are they absolutelyobligated to do?
Let's just make that clear.
Write that down.
Okay, what are you now needingto spend on every month in a way

(47:28):
that you don't feel restricted?
There's always some amount ofmoney left over, I don't care.
I've had clients making 45, 50kto 150 plus.
Making 45, 50k to 150 plus.
That helps them see you actuallydo have money to save, because
that's the first thing, that'sthe first hiccup you get.
It's like I don't have anymoney to save, when really it's

(47:49):
a matter of you don't clearlysee where your money needs to go
in the first place, so youautomatically don't save based
on the fact that you think thatyou don't have it.
Even when you do.
So that's the first block,right there, just getting over
that.
And then, when you see that youactually do have money to save,
you have.

(48:11):
This is probably the mostimportant thing you have to get
specific as to what that savingsis for.
As to what that savings is forand I don't care if it's
something as simple as yourdog's got to go to the vet, or
maybe it could be, you know, youhave something coming up in two
months and you want a newoutfit and you want to say, I
don't care how simple it is, Idon't care how small of an

(48:33):
amount it is, like, just makesure you get specific and it's
something that either you reallyneed coming up or is something
that you really want that you'regoing to like be consistent
about and like you want to do it.
And again, I don't care howsmall, big, like I don't care
how simple it might be to breakdown.

(49:04):
Okay, realistically, can Ireally put this amount of money
left over that we just talkedabout in my savings every single
month or every two weeks,whether you're like part-time
business owner or full-timebusiness owner, right, can I do
that consistently?
Because it's going to be thatconsistency of doing it every
single month and not having tothen kind of like back out of it
.
That's going to keep you ontrack and keep you motivated,

(49:26):
because the moment you can't putthat much or have to go in and
take it out, you feel like youmessed up and then you kind of
defeat yourself in your mind andso like that's kind of the
three phases that I take peoplethrough.

Yeah, that's a hard one, I ain't gonna lie.
It's funny because I'm like,wait, that's kind of the three
phases that I take peoplethrough.
Yeah, that's a hard one.

Akira, I ain't gonna lie.
It's funny because I'm likewait, that was kind of simple,
that's funny.

I think what you're saying is simple.
I think it's the mindset thatmakes it not simple.
Right, like I think about, Ican literally hear I have a
couple of clients in my headright now that I can already
hear their objections which islike but wait, I have so many
things I need to say for, like,if they were to write it down,

(50:11):
they would feel extremelyoverwhelmed.
And I think that's anotherpiece of savings that, for a lot
of people, feel like there areso many things that they need.
So, especially if they're inthe mindset of like they're in
the paycheck, the paycheck cycle, I think a lot of them feel
like, yeah, it's because I haveall of these things I actually
need to do and I'm trying tocatch up to it.

(50:33):
So what would you say to thatperson who's like look, I
legitimately, but let's justgive them this thought they
legitimately have bills and oncethey pay the bills, they have
like less than $200 to do theother things.
Right.
What would you say to a personwho's like I do, like I get what

(50:54):
you're saying and I don't wantto live in the paycheck to
paycheck cycle and I want tosave and yet I have so many
things I need to do or take careof myself, or want to take care
of myself.
I don't know how I can actuallydo that without going into more
debt and still quote, unquote,trying to save.

It's funny you say that because I have clients
that were that way and it alwayscame down to those things.
Some of those things should bein your spending.
They shouldn't be in yoursavings.
So, okay, okay, hopefullypeople can picture this.
You have a core budget likejust picture that like the sun

(51:31):
or whatever.
That's what you're obligated topay.
That includes a minimum creditcard payment people.
So if you're the person thatNikita is talking about and
you're like I only have $200left over, I guarantee you $100.
You're putting extra towardscredit cards.
So just clear that up.
You got an extra $100 right now.
Truly, your core budget is likethe sun, the center circle,

(51:54):
what you are obligated to pay.
Then, outside of that, what arethose?
The first orbit.
You've got these differentcategories.
We can call them planets.

Can I just say this is a very engineer's brains
like illustration.

So, like the very first orbit, let's say
you've got six planets, are thecategories right?
So you've got food, you've gotshopping, you've got memberships
, you've got subscriptions, etc.
That's your spending.
Inside shopping should besomething for you.

(52:34):
For me it looks like coffee.
I will buy a $25 bag of coffeewithout blinking and people are
like what, that's crazy.
I'm like, okay, well, I'm notgoing to have basic coffee, so
that's what it is.
For me, it's seeing Beyoncefront row Like it's a
non-negotiable.
No one can convince me Ishouldn't spend my money Like I

(52:56):
want you to y'all to go hardwith these things.
Spend my money like I want youto y'all to go hard with these
things.
Another person.
She was, um, really I forgetwhat the name of this like
cooking, cooking equipment brand.
No, it was like this brand ofpots and pans, I don't know what
like that was her thing, likeshe was.
That should be in like thingslike the things that you're

(53:18):
genuinely like lights you up.
That should be in like thingslike the things that you're
genuinely like lights you up.
That should be in that second,that first orbit right around
the sun.
Anything outside of that wouldbe saving or paying off extra
debt.
Where people go wrong is theytake extra debt payments and put

(53:38):
it in their core and now theyfeel like they don't have any
money left over outside of $200.
Or they find that they'respending more money that month
because they have a hairappointment, but hair
appointment was never inspending, it was in saving.
It was in like that secondorbit, right.
So that's kind of like how I,like people have all these

(54:02):
things mixed up.
So then it goes back tothinking you're not good with
money because you thought someof the stuff that you should be
saving from was a part of yourcore budget, when it never
should have been in the firstplace, cause you're not
obligated to do that at all, andso it's like you need to give
yourself room.

Oh, wait a minute, wait a minute, wait a
minute, wait a minute, kira Waita minute.
Oh that, right there.
That just hit different thewhole thing about you are not
obligated to do.
I think that's the piece right,and I think this links back to

(54:42):
what you're saying.
The obligation that you thinkyou have to pay is coming from
the shame, it's coming from yourfear, it's coming from where
you think you should be doingbecause other people said you
should be doing it.
The obligation that you'rethinking you have to do
something is not really a realobligation.

Right, and that's where people run into oh,
I can't stick to a budget.
I'm like, because you had carmaintenance coming up and that's
not a part of your core budget.
It was never supposed to bethere to begin with.
It doesn't mean that you're notgood with sticking to a budget.
It was never there.
It's not those core thingsyou're obligated to do.
Anything outside of that wouldnow be saving, would now be

(55:22):
paying off extra debt, and whenyou think about it that way, you
always have money to spend oryou always account for spending
on yourself, and I don't carehow much you buy.
I don't like money.
I'm not driven by money.
I don't care about things.
I'm not material.
There's something that you likethat you can buy.

(55:44):
It could be a plane, it could.
There is something that youlike.
The longer you tell yourself youdon't want it, the longer
you're going to be miserablebecause you're going to feel
like every time you make money,you see no, you get no benefit
from it.
You feel like it's always goingto your family.
You feel like it's always goinghere, always going there,
because you never use it.

(56:04):
For you, that should always bea part of that, like first orbit
, because then when you save forthings, it's not I'm saving for
this and it's taken away fromthis.
It's not, oh, I'm going tospend money on this thing, but
now it's going to take away fromsavings because you're already
doing it and so it's cleaningthat up, because for the people

(56:29):
who have coached, it's like Ionly got $200.
I'm like you're spending anextra $500 on an extra debt
payment that you could be saving, or that you could be using
$100 to take yourself out to anice dinner every month away
from your kids.
So that's what I would say tothose people.

I'm just going to say that that, right there,
oh, that that was, yeah, so good.
I know we're coming up to theend of this and I have one more
question, because I I just Iwant to kind of include it
because I do think it's going tocome up or someone's going to
ask me about it, which is when,though, with money and paycheck
to paycheck, when is there,legitimately, you need to bring

(57:14):
in some more money?

Yeah.
So let's say we go throughthose same things again.
I have a client now.
She needs to bring in moremoney.
She had some extra money thatwe were like, okay, this will
last you six months or so, andnow it's time to look for a job
because you need to bring inextra money.
So what I would say is, if youdon't have that cushion, like

(57:37):
she did, to make up for it for Xamount of months and let's say
your back is up against the wall, you need to use debt Really.
Sit with and face the fact thatyou need to use that right now.
And not only is it using debt,it's actually helping you take

(57:59):
care of yourself.
Debt it's actually helping youtake care of yourself.
It's like you're just takingcare of yourself by any means
necessary, and the onlynecessary means you have right
now might be debt.
But how can you use that nowthat we've gone through what you
actually need?
Because here's the thing.
Okay, let's do this tactically.

(58:19):
Let's say, someone's got $3,000and that includes their core
budget, that includes theirspending right, and they
suspected that they needed tobring in more money, but they
only thought they needed tobring in an extra $500 a month,
and now they went to get oneextra client or get another
part-time or whatever the casemay be, just for that $500.

(58:43):
But when we go through theprocess, what we find is that
you actually need an extra $750.
So if you don't really face itand really figure out, like,
what do I actually need, you maygo earn more money and it's
still short of what you need andyou feel like nothing's going

(59:03):
to solve your problem whenreally you miss something in
terms of what you actually need.
So that's very beneficial tosay, okay, this is the place
again, just being honest andtransparent.
This is the place that Again,just being honest and
transparent.
This is the place that I'm in.
I need to take care of myself.
That may look like borrowingmoney from a family member.

(59:26):
That may look like utilizingsome of the debt that I have.
Whatever it is that you need totake care of yourself.
Like, let's be honest, youmight really need to use that
yeah and say, ok, I'm doing thisNow, I'm doing this, now I'm
going to bring in more money,but here's what I actually need.
That's actually going tosupport me, and not just some

(59:47):
arbitrary number.
That's the difference, becauseif you're truly in a situation
where you need to earn more, goearn more.
People are like well, what do Ido?
I'm like you earn more.
It's a matter of how much moredo you need?
to earn so that you're not nowtaking the paycheck to paycheck

(01:00:09):
cycle to the next income level.

Nikita Williams (01:00:12):
And it's intention.
I mean, everything I hear rightnow is like really not just
intention, but like beingextremely mindful and
legitimately getting into thenitty gritty, and I think to do
that, though, we have to removethe shame, like that's the thing
.
Like all of this is coming backto, like we have so much shame
around money and what we thinkwe should be doing.

(01:00:33):
I have a client who often islike so traumatized by just
looking at their money that it'slike you never want to do it
again next month.
You never want to do it againbecause it's trauma.
And so I think to your point islike, first of all, let's give
ourselves permission that thedecisions we've made to either

(01:00:55):
survive or maybe it wasn't justto survive, maybe we're just
living and we just didn't knowany better.
It's okay, it's okay, it's okay.
That's all I can say about it.
It's okay.
We can just look at this likeit's a sheet of paper and move
on.
Move on, make the plan and dowhat we can and move on instead

(01:01:19):
of allowing the shame to keep usin this place.

Aqura Nicholson (01:01:23):
And when you don't, you keep doing stuff that
doesn't work, Like that's howyou know that you're not really
looking at it holistically.
So people are like, well, I canjust find a budget on YouTube
or Google.
Well, a budget is not going tohelp you unpack the shame that
you have that's preventing youfrom actually implementing the
budget.
So you can do X, Y and Z.

And can see that you can do X, y and Z.
It blinds you.
The shame around debt blindsyou from any possibilities of
seeing what's possible.
Yeah, exactly so, so good.
So many mic drop moments.
We are way over our time.
I'm sorry You're fine, but letus for sure, like, tell everyone

(01:02:06):
how they can connect with youand find you and if there's
anything that you want to sharewith them that's coming up,
that's exciting for you, andthen we'll wrap up.

Yes, so you can find me at my podcast, which is
Women Talk Money, and you canfind it on Apple Podcasts and
Spotify.
You can also find me at mywebsite, which is
wwwakiranicholsoncom.
I'm sure you will have this inthe show notes for spelling.
I'm always active on Instagram.

(01:02:35):
I am going live all the time.
You can ask me questions there,you can DM me to like, get me
live my reactions and things.
And I do have a summit comingup that I'm going to be speaking
on.
It's called Get SHIT Done andit is April 14th at 12 pm.

(01:02:57):
So I'll be speaking on that andall that stuff will be on my
website that you can find there.
So really go to my podcast,women Talk Monday, and from
there it'll link you toeverywhere else my email list,
my Instagram, all those things.

That's awesome.
Can't wait.
We'll have everything in theshow notes.
And I have one more funquestion for you, Akira what is
your favorite song that you areon replay right now?

like just keep playing it over and over again
oh my gosh, nikita, there's thissong by hold up, and so I'm
okay.
The people probably don't knowthis, but I'm a dancer and I've
danced forever there is thissong.

Yeah, wow, I didn't know that.

Yeah, I do ballet and I do, I've done
modern.
Modern is like my thing, loveballet, like I love ballet, it's
so good.
Oh, wow, I used to do ballettoo.

That's my thing .

Yeah, when this song comes on I can literally
see myself in the studio Likethat's how much, like my body
just replay, but anyways, it'scalled.
You Can't Save Me by Sir.
Okay, y'all got it so good.
Yes, you Can't Save Me by Sir.
That was a good question.

Yeah, we'll pop it somewhere in the middle of
the episode at some point, butI've been trying to add some fun
, interesting facts about folksin there, and my favorite thing
is music.
I love music.
So, yes, thank you so much forbeing on the show.

It was great.

That's a wrap for this episode of Business
with Chronic Illness.
If you would like to start andgrow an online coaching business
with me, head to the show notesto click a link to book a sales
call and learn how to makemoney with chronic illness.
You can also check out ourwebsite at wwwcraftedtothrivecom
for this episode's show notesand join our email list to get
exclusive content where I coachyou on how to chronically grow a

(01:04:51):
profitable business whileliving with chronic illness.
Until next time, remember yes,you are crafted to thrive.

All Episodes

Breaking Free from Money Trauma to Earn & Save with Chronic Illness | Aqura Nicholson

Episode Transcript

Popular Podcasts

24/7 News: The Latest

Stuff You Should Know

Dateline NBC

.css-15opob5{left:0;position:absolute;top:0.8rem;} All Episodes

.css-14f5ked{margin:0;word-break:break-word;display:-webkit-box;-webkit-box-orient:vertical;box-orient:vertical;-webkit-line-clamp:2;overflow:hidden;}Breaking Free from Money Trauma to Earn & Save with Chronic Illness | Aqura Nicholson