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May 22, 2025 60 mins

 

In this episode of the Profitable Christian Business Podcast, Doug Greathouse sits down with Janine Mix, Christian entrepreneur, real estate investor, and best-selling author of Buy the Damn Coffee. Janine shares her incredible story of going from six figures in debt to becoming a multimillionaire by age 33.

But this isn’t just a rags-to-riches story—it’s a faith-fueled mindset shift about money, worthiness, and building a life you don’t have to escape from.

They explore how guilt, shame, and “money influencers” shape our beliefs, why financial stewardship is about multiplication—not deprivation—and how to pursue wealth with God at the center.

Whether you’re just starting your journey to financial freedom or ready to scale to your next level, Janine delivers real talk, practical strategy, and spiritual clarity.


🔑 What You’ll Learn:

  • Why cutting coffee won’t make you rich (and what will)

  • How to identify and overcome limiting money beliefs

  • The difference between being debt-free and financially free

  • Why investing in real estate is a powerful wealth-building tool

  • The biblical case for prosperity and generosity

  • How to shift from survival mode to overflow

  • Why “Buy the Damn Coffee” is about freedom, not indulgence


🔖 Memorable Quotes:

  • “Prosperity begins when you finally believe you’re worthy of wealth—and that God doesn’t want you broke.”

  • “Money is just a tool. It’s how you use it that reveals your heart.”

  • “You don’t have a debt problem—you have an income problem.”

  • “God doesn’t promise wealth, but He gives you every opportunity to prosper.”


📌 Chapters:
00:00 – Janine’s Journey from Debt to Wealth
03:05 – Experiences vs. Materialism
06:20 – Travel, Culture, and Gratitude
09:12 – Coffee Culture and Personal Values
12:35 – Understanding Worthiness and Wealth
15:24 – How Money Influencers Shape Beliefs
18:36 – Poverty vs. Prosperity Mindset
21:33 – Practical Steps to Break Financial Shame
24:25 – Earning vs. Budgeting: Where the Real Change Happens
29:06 – Financial Stewardship and Income Growth
34:48 – Investing and Multiplication
39:39 – The Power of Bold Financial Moves
48:29 – Real Estate, Risk, and Generational Wealth
56:26 – Financial Confidence and Community


🔗 Connect

Mark as Played
Transcript

Episode Transcript

Available transcripts are automatically generated. Complete accuracy is not guaranteed.
(00:00):
Hello everyone and welcome to another episode of the Profitable Christian BusinessPodcast.
I am really, really pleased, especially after reading her bio and learning a little bitmore about her.
I am so pleased that Janine Mix is joining us today on the podcast.
Janine, how are you today?
I'm so good.
It is sunny and warm in Arizona and I'm very excited for this conversation.

(00:28):
Well, I can't wait for people to learn a little bit more about your story and some of theinsights that you'll be able to offer them from going from where you were to where you are
now.
We're gonna get, I know we're gonna get a lot into faith and mindset and all those goodthings.
I'm sure the audience will get a lot from that.
But for now, why don't you just give a quick brief introduction.

(00:49):
Yeah, I'm a Christian entrepreneur, real estate investor.
um I went from six figures in debt to becoming a multimillionaire by the time I was 33.
And I didn't get there by skipping my lattes, which you'll learn a little bit more aboutin my book.

(01:10):
And yeah, I just.
became a best selling author.
I was just in New York with my book on Times Square, which was super surreal, such a Godmoment.
um And yeah, I'm excited to share, like how I came from nothing, literally nothing, infact, six figures to becoming a multimillionaire and doing it, like with God at the center

(01:33):
of everything, because I think that there's a little bit of misunderstanding in the churchof pursuing success and wealth.
meaning that you also can't in tandem pursue God.
So I'm very, very excited to share a little bit more about that.
That is awesome.
That is right up with the theme of this podcast.
uh I always like to mention that, yes, profitable in our name in the profitable Christianbusiness is not just profitable for your business, it's profitable for the kingdom.

(02:01):
And I know we're gonna dive into that and you can be more profitable for the kingdom ifyour business is more profitable.
So, uh some really, really good.
I have some fun getting to know you questions that I like to start off every podcast with.
So, uh
Your first one is if you could get a one-way ticket anywhere in the world to celebrateyour next money milestone, where you're going, and what's the first thing you do when you

(02:23):
land.
love this question, except for I travel all the time.
I just hit my country.
um I hit my 50th country this year, which was Bolivia.
I turned 40.
So if I have to answer this question, I am trying to figure out a very unique cool tripfor my 40th where I have some family members and friends meet up with me.

(02:47):
I kind of want to do like three weeks in Europe.
um
I would love to do a train with my mom because we love trains and have a few days with herand then see her off at the airport and pick someone else up.
And so I kind of have this like this relay this tag and relay idea that I want to do formy 40th but travel and spending money on experiences has always been a priority of mine.

(03:09):
And so I love to travel.
It's a part of my
everyday life, not just my one time a year and not just my when I'm 65 and then I'mretired and then I'm debt free and then you know, there's no and then no and then um it's
my now it's my reality because we get this one precious life and God has created somepretty amazing people cultures and places to see and I just want to see it all.

(03:33):
That is awesome.
I'm sure there are many people that are listening that are in the grind, right?
Christian entrepreneurs, they're like, they never take a vacation because it's all hustleand grind.
So it is inspiring, I'm sure, to hear that you live life by your terms because you areable to build the way you wanted it, you wanted to so that your business works around your

(03:54):
lifestyle.
Yeah, my husband and I were just having this deep conversation about this yesterday abouthow we're so grateful how we have built our businesses to really reflect the life that we
want to live.
And we've seen and idolized a lot of successful entrepreneurs that we see are like, onlynow do they do a trip to Colorado to go fly fishing or just started scuba diving.

(04:21):
And we're just like, we have been doing that.
from the beginning, even when we love credit card hacking.
So even when we were broke, and we started our business and you're just like, where am Igonna get a flight?
We credit card hacked, we put all of our business expenses on, we were able to travelinternationally every single year for the last decade for free using credit card points

(04:44):
and not paying any interest.
So we got really creative, we always made it a priority.
but we see so many people hustling and building this business and getting to a point wherethey're just completely burnt out.
And we're building and launching some new things right now.
And we're being really mindful of how we build and with what kind of energy.

(05:04):
Like, you know, I don't want to be in this starvation energy hustle mode where then youdon't get to live.
think having that balance is absolutely possible.
I think there's a lot of people like you got to give up everything, anything fun, and youjust have to focus.
you do have to focus, but I think you can enjoy vacation and enjoy your family and shouldbecause at the end of the day, if you and I were diagnosed with a life-threatening disease

(05:28):
and had 10 days to live, probably the last thing we would do is work.
I'm like, I want to make sure that I'm experiencing the world and creating memories andspending time with them and the people that matter to you the most.
Yeah, that is awesome.
Much like you, my family, we spend more money on experiences and travel than we do on alot of things because we really feel like that's what life is about, is to travel and

(05:57):
experience things.
With that in mind, since you've told me that you've visited 55 countries, do you have afavorite place that you've visited?
Well, it's 50.
It was my 50th.
I, I would say, um, Spain has always been on my top of my list.
It has been a place that I absolutely love.
There's just, I love like a good tempered Neo and paella and it just had my vibe.

(06:21):
has that slow pace.
It's got siesta, you know, they just like close down in the middle of day and enjoy lifeand then come back to work.
think they've figured something out in, uh, the quality of life.
So I love Spain.
Um, we just went to Finland.
I would say like Iceland, Iceland was one of the most beautiful places that I feel like Ishould go there every to see every season.

(06:45):
yeah, I loved New Zealand.
I mean, you really can't go wrong.
I did hit my 50th in Bolivia.
I wouldn't necessarily like suggest going to Bolivia.
It was fine.
I think that um kind of depends on the kind of trip that you want to have.
Bolivia and a lot of third world countries are very, very difficult to get in and out ofand travel and navigate.

(07:09):
I, you always come back.
I love Africa.
I've been to Africa the most.
I love Kenya.
It's probably one of my favorite places in the world.
And you have to get used to like, when you get back home, like you get to use toilet paperat your leisure.
You get to not stress out about water, which is crazy.
These are the things that we should be really grateful that we have the

(07:31):
ability to get but you're constantly worried about am I going to have clean water?
Do I need to brush my teeth with the different water?
Like, it's um definitely a different adjustment.
So it depends on the kind of vibe you want on your trip.
But I can I we climbed Kilimanjaro last year, I can sleep in a tent and go to you know, goto the bathroom in the wild.
That's fine.
But I also am getting a little older and enjoying more like resorts to

(07:56):
Yeah.
I had a guest recently on the podcast.
One of the things that we reflected on was as Americans, we don't realize it.
We've already kind of won the lottery, right?
Because we're in the top percentage of the world population.
We have a lot to be grateful for just for that.
He was he actually was an immigrant from South Africa.

(08:16):
And he just talked about we talked about the difference of when an immigrant comes to thiscountry and their drive is totally different.
If we could bottle up a lot of that
uh drive that they have and take it with us as Americans, we would see all kinds ofchanges in this country.
So I want to allude to your book just a little bit.

(08:38):
You wrote the book, Buy the Damn Coffee.
So what's your personal go-to coffee order?
love a latte with a little bit of honey.
I'm boring.
I don't like it too sweet.
That's why I like the honey but I love espresso.
I think decaf shouldn't even exist because what's the point?
Coffee doesn't taste that good.
I like I like espresso more than I like drip for sure.

(09:02):
But um mine's a honey latte.
That's my go to for sure.
And then I also love a good like seasonal.
um Like uh
I've had like a honeycomb latte, which is like slightly different seasonings in there.
That's probably like my go-to in the fall, although I don't think I'll be having much ofthat in Arizona.
That was more of a Montana thing.

(09:22):
You know, the whole pumpkin latte seasons.
I did have my first October here in Arizona this year and I was like, you can't do fall.
Like this is weird.
It's 120 and having a pumpkin latte is not the same.
So I'm gonna just.
foliage, there's no leaves.
It's weird.
I'm like, there's not enough pumpkin flavored things to sell at Trader Joe's to make mefeel like we're in autumn.

(09:49):
Right, yeah, so you referenced, so Arizona is something new to you, I take it.
So you recently moved there, that's pretty cool.
So I'm just gonna go back to the coffee real quick, because we love coffee as a family.
uh We are coffee snobs and a little bit of that.
One of the places we went to, when we went to Hawaii recently, we're so nerdy that we wentto the coffee farms, right?

(10:14):
So is there a place, since you've been to so many countries, is there a place where you,
I love the coffee more than any other place.
You know, no, I mean, Ethiopia has amazing coffee.
Hawaii has great like the Kona coffee or what is that like where you maybe went but yeah,no, I like locally roasted usually fresh roasted.

(10:37):
mean, I got I ended up purchasing a nice coffee machine for the house even though I'm likebuy the damn coffee.
I did just recently like, um watch a reel though that was like, yes, I can make a coffeeat home but does getting a coffee give me the will to live?
When you're like that mid day you just want to go see your barista like there's nothinggreater than walking in to your favorite coffee shop them saying good morning Jeanine.

(11:03):
They already know what you want.
Like there's just like nothing greater.
I love that experience.
um But yeah, I'm not I'm not as snooty about where
the origin of the beans come from necessarily, but I typically like to support localbusinesses by their local beans versus I used to work for Starbucks.
um And so I would say that's not the place I get my coffee anymore.

(11:26):
Same here.
tend to if there is a alternative to Starbucks wherever we are, we usually would go thereif it's a local coffee shop just to support the local business.
That's really cool.
One of the staples of the Profitful Christian Business podcast is the fill in the blankquestion.
So your fill in the blank question is prosperity begins when you finally believe blank.

(11:51):
Prosperity begins when you finally believe you're worthy of wealth and that God doesn'twant you to stay broke.
Hmm, nice nice.
So that is going to allude I think very well into our secret question, which is anotherstaple of the podcast What is the secret to believing you're worthy of Wealth?
Mmm.

(12:13):
Man, what's the secret?
I think it's knowing to understand that you're truly worthy of wealth, you have to reallyunderstand what has impacted your mindset around wealth.
And I know you have this uh potentially in some future questions, uh but I talk aboutmoney influencers because

(12:39):
You won't believe you're worthy of wealth because what you've heard, what you havelearned, or what you have experienced around money.
Those three money influencers started very young for you, young for me, you know, like,and they shape our beliefs around money.
How many of us have gone to church and felt like, well, I'm supposed to sell all mypossessions and be a missionary.

(13:02):
That's the way to...
God's heart, that's the way to a prosperous life is to give up everything.
Well, for some people, that's the calling on their life, but everybody has a differentcalling.
Some people are called the missionary.
Some people are called to the marketplace.
And so um I'm sure many of us have grown up with sayings like money doesn't grow on trees.

(13:25):
You have to work hard for money.
Wealthy people are greedy.
Don't be greedy.
know, money is evil.
That's probably the number one misinterpreted scripture I've heard oh constantly aboutmoney is that money is the root of all evil.
The actual verse is for the love of money is the root of all kinds of evil.

(13:47):
And so it comes back to your heart and your posture and greed.
um so money is just the tool.
Money is not, it's amoral.
It doesn't have feelings.
It's not good.
It's not bad.
It's simply a resource that we have and we can use it just like a knife.
I can use a knife to cut up a salad or I can use it to stab someone.

(14:07):
How I use the tool changes.
um You know, it doesn't change the tool.
The knife is a knife.
It's how I use it and what my intention behind using that tool is.
So that's how I feel about money as well.
um
So those things that we heard constantly from our parents and maybe your parents had somedifferent sayings, you know, that they said all the time or maybe you always heard your

(14:30):
mom be like, I got this on sale.
I got this on sale.
I got this on sale, you know, like, well, you know, it was 50 % off, you know, why dothey, why does she need to justify that so much?
Right?
That's a money story for her somewhere where she doesn't feel worthy of full price or shefeels bad for spending money.
So therefore she has to justify the purchase.
I mean, that's the whole movement around by the damn coffee.

(14:51):
Why I named my book that was it's a movement away from the shame and the guilt of thiscoffee theory that like it's the coffee that's keeping you broke said literally no
successful top one percent person ever in any interview.
Literally, there's so many great interview shows you could listen to not one not one ofthem is like, you know what got me here?

(15:12):
I cut out the $5 latte.
So, you know, what you heard, what you learned, what you experienced.
Did you go through a divorce?
Did you go through a death?
Have you lost a job?
Have you come from poverty?
Have you come from hard situations?
Those things will shape your behaviors, your beliefs, and your um thinking around money.

(15:34):
So when you think about like, where did it stem from?
Why do I not feel worthy of wealth?
You have to identify where it came from.
When you identify where it came from,
Then you can start rewriting the story.
Then you can start asking yourself, well, is this actually true or is this just somethingI've grown up believing?

(15:54):
my gosh, I've had, I've worked with so many people.
I've spoken on stages that people are like, I spoke at an event the uh couple months agoand there were two brothers in the same conference.
One brother grew up with the rich dad um where they had money, but then the dad lost thewealth.
The second brother grew up with the poorest dingy dad.

(16:14):
They had totally different experiences and relationship with money simply based on wherethey were and their circumstances in the same house.
And I was like, this is cool.
So like we worked through that and some of the resentment or some of the different thingsthat they believed about money based on the experience, the event.

(16:35):
So I really think you have to understand that before you can.
Accept that you're worthy like you should just know you're worthy like God's not like hey,you're worthy of everything I offer except for money Except for money, you know, like no
no, no God transforms all areas of our life including our money.
So That is already innately there for us to tap into to test our heart and our stewardshipIt's the only thing he says test them in and I think there's something unique about that

(17:06):
because you have to work through a lot of baggage with money
You have to work through a lot of baggage and at multiple levels.
When you get money, when you become uh financially free, you got to work through thosesame beliefs through different levels of your finances too.
It doesn't just go away, uh but then you can recognize them and pivot faster and knowlike, this a limited belief I have around money or is this actually like true?

(17:31):
Can we uh really quick dive into part of that?
And that is the practical steps for someone that has a negative, have grew up in anegative mindset around money, that sort of thing.
I have some insights into that for my own life.
It's like you start getting around, you put different information in, right?
And you take yourself out of environments.

(17:51):
We've heard of the cycle of poverty.
That's because they stay in the environment of that mindset.
You can literally, you came from deep debt.
to something, right?
You can literally come from nothing and become something.
It's all about what goes into your mind, right?
And what you allow to stay there.
So I would love for you to just expand on that a little.

(18:12):
Yeah, well what's really hard is when you're broke and you're starving and you couldbarely pay your bills and you're going into debt just to pay your bills, you cannot see
the light at the end of the tunnel.
It is very easy to say just change your mindset.
But when you're in it, you're suffering.
You feel like the whole world is against you.
You feel this heavy weight.
It sucks, okay?
It does not feel good and it is really, really hard to just be like, uh you know what?

(18:36):
I just need to be positive and money will flow to me.
Yes, and no you have to change your mindset from a what I say is the poverty mine into theprosperity mine Simply being that one will always see the glass half empty.
The other will always see opportunity.
So, okay You're not a victim to your life.

(18:59):
That's really hard again when you're suffering and you're going through a circumstancewhere you feel like everything's coming at you and it always usually does you know, it's
like a
It's like, what is it like comes in threes like it's usually like you just get hit and hitand hit and hit and you feel like you can never get out.
It's just so like stressful and painful and like I know those feelings so well.

(19:23):
I used to cry on my floor like of my cockroach filled apartment that I couldn't shower inor eat in because I had like a family a whole colony of cockroaches and cause that's all I
could afford.
So like, I get it when you're at that part, it's really hard to see the light at the endof the tunnel.
So the first thing that I say is like, you have to accept that your circumstances aretemporary.

(19:46):
Everything is temporary.
This life is temporary.
This day is temporary.
This hour that we have together is temporary.
All right?
So it's not forever.
It won't be forever unless you stay in the poverty mine, unless you stay in victimhood,unless you just stay there.
So there has to be a shift a shift in your mind, but also there has to be action, right?

(20:08):
So like, you can believe money is going to flow to me and go spend money like a mad personwho just doesn't have it and doesn't have a clue and is like God will provide and I've
seen that too.
And it's gonna hurt you, it's gonna come back to bite you.
So you know, there's this balance of action meeting the movement into the prosperity mindlike believing that you're worthy believing this is temporary.

(20:31):
because everything is temporary.
promise you it won't feel like this forever.
I promise you that time heals.
I promise you that you can change your circumstances.
My story is like a little story of so many other stories that I have heard of peoplecoming from nothing.
We were just kind of mentioning like, you know, people that come from impoverished thirdworld countries that come to our country that all of a sudden are like, I just saw a story

(20:55):
of someone who sold WhatsApp.
to Facebook.
He came from nothing.
He was an immigrant.
Like he came from absolutely nothing.
He was turned down to bite to even work at Facebook.
And years later, he's selling WhatsApp for like billions of dollars to Facebook.
How cool is that?
That is possible for them.
You have to believe it's possible for you.
Right.
But then we want to be like, well, I think as Christians, this is another big one.

(21:18):
We like to be like, well, I shouldn't want wealth.
So you know, money isn't the thing.
It's not my priority.
It's not about the money.
Well, if you keep saying that, you're gonna keep pushing opportunities away too.
And I think there's like a false humility in that, that is still like reiterating toyourself that you're not worthy, that it won't happen for you.

(21:41):
And so I think instead of pushing away wealth, even if we think it's like the more holything to do, I shouldn't want that, I shouldn't focus on it.
Um, you know, I think that we actually do need to focus on it.
I think it was very important to Jesus.
In fact, two thirds of his messages were around parables of wealth, money.
And, so it was obviously important to him.

(22:03):
It should be important to us.
What can we learn from that?
You know, like what is he refining in us with our money?
What is he testing us in our money?
But it's absolutely important to him.
So it should be important to you.
Jesus paid taxes too.
Let's not forget.
Like he lived as a human.
Jesus paid taxes too.
Jesus still needed money to survive.
needed clothes, needed food, and he was provided for by people in the marketplace.

(22:29):
And there's another part of this where it's like you're called to be a blessing, not justto bless yourself and your life, but to bless others.
And how cool that a lot of marketplace women funded Jesus' mission.
If you wanna go do something great in the world, it's gonna require provision, financialprovision.

(22:51):
anything.
mean, sure, you could go live in a mountain off the grid, completely like not leaving acarbon footprint.
Okay.
And like, I'm, I'm protecting the planet and all these things.
I actually think that's a really selfish way to live because what are you doing forothers?
You know, and so this, this tool, this ability to create money and wealth can actuallyhelp solve hunger, poverty, healing, like, you know,

(23:20):
Cures, okay, so it's a big tool.
So I think that Yeah, we have to be a really good steward of this tool We have to be openand willing to accept that our our circumstances are temporary and then we have to take
that action So what can you do?
What can you do right now?
Stop avoiding your bank account for one, you know create a financial plan I don't like touse the word budget but create a financial plan know where your money is gonna go like

(23:48):
know where you want it to go
have a little control over it.
If you're if it's just going in and out in and out in and out and you have no idea andyou're just like, I don't like and you feel like you're just working for money, like it
comes and it goes and then it's gone.
You're not stewarding it.
You're not telling the money where to go.
The money's telling you where it's going.

(24:09):
And the only way that you can do that is simply by knowing where your money is going.
Now, this is where I'm different.
And this is where I like
wrote the whole book by the damn coffee.
I do not think you should just focus on cutting out your latte.
I do not think that you need to be debt free to be financially free.
I don't, it doesn't say that in the Bible.
um I do not believe, and by the way, being debt free is not synonymous with beingfinancially free.

(24:34):
I have more debt now than I ever have through real estate and I'm a multimillionaire.
I'm using a tool that the world gives us, business loans, um property loans, in order tobuild that wealth.
Again, how you use the tool is everything, but you have to be able to have your plan andnot just focus on the $5 latte, not just focus on the expense category of your budget,

(25:01):
because that's where everybody wants to focus.
If you just cut out date nights, you cut out trips, you roll everything over into yourdebt, because again, you can't, apparently you can't have any debt in your life, um and
your entire focus.
should be on paying off the debt.
You know, maybe given a time or a place, if you're in, like there's, if you're in a reallybad situation where this interest is causing, like, yes, focus on it, get it knocked out.

(25:29):
But why do you have to be debt-free?
Why do have to pay off your house when you have a 2 % mortgage?
I don't even know why you'd want to do that right now.
Especially if you're not doing the other thing that you need to do to actually stewardyour money, which is invest.
So a lot of people want to focus on that expense category, right?
What do you cut out?
What can I trim?
Trim the fat.
That is a temporary solution to solve maybe an immediate hardship.

(25:53):
The very next thing after you've looked at your expenses, I don't want you to focus there.
I don't want you to be like, well, now I can't live and do anything fun.
Cool.
That's motivating.
I want you to focus on the other side of that category of your budget, which is yourincome.
Your income has the greatest chance of changing your life.
Not the $5 latte.
Not cutting out date night.
In fact, I actually think that's going to make it more miserable and more unhappy andyou'll resent money more.

(26:18):
And then what you'll do is overspend because you're kind, you're upset.
Like why work so hard?
I deserve it.
So then you buy stuff you can't afford.
And this is the vicious cycle that we all have experienced if we're being honest.
So, um, focus on that income category, but not just the income that you can make from yourjob.
Like I love, there's a book T Harv Ecker.
it was like secrets of a millionaire mind.

(26:38):
And he's like, rule number one, never have a feeling on your income.
I love that.
I've lived by that.
Never have a ceiling on your income.
What does that mean?
If you only have your job employee income, you need to figure out how to create morewealth.
You need to figure out how to invest some of that income so it's paying you in yourfuture.
So I think that's the very, very next thing, right?

(26:58):
Like correct some things over here, temporary, okay?
Sure.
Focus on the income.
The income is gonna change your life.
And like we've already said, your relationship with money.
Because a lot of people will make a lot more money and then it's gone.
or lot of people will put a ceiling on what they can make because they don't think they'reworthy.
And that's where it's like, it's not really the dollars in your bank account and thedollars in your wallet.

(27:21):
It's what's in your mind that is stopping that.
heal your relationship and your money trauma, okay?
Heal it just like you would heal any other trauma in your life.
Heal your money trauma.
Focus on how can I multiply?
How can I create more wealth?
There's never been an easier time than right now in our society to make money in so manydifferent ways.

(27:42):
So you can't like, it's not an, it's an excuse if you're like, I just, don't know like howto make more money.
I don't know.
No, no, no, no.
There's so many ways.
I know, I know a friend who's making millions of dollars.
I think she said she makes at least 55,000 per YouTube video on air fryer.
How do you use your air fryer?

(28:05):
Amazing.
So cool.
So there's opportunity out there, but we're not focusing on it.
We feel stuck.
We feel trapped.
We feel stuck at our job.
We feel this tie of like, I don't have any time and I don't have any money.
They're very intertwined.
And that's the scarcity, the poverty mindset that's going to pull you down and be like,you'll never have enough time.
You'll never be financially free.

(28:27):
And then you just feel in this trap cycle.
Yeah, I want to emphasize a couple things that you said there.
Oftentimes, people over focus on the debt.
They don't focus on the income, right?
You don't necessarily have a debt problem.
You might just have an income problem.
And how do you solve the income problem will solve the debt problem.
So I want listeners to carry that with them is like, think of if you're if you have debtright now.

(28:53):
Yes, there are some things that you can do stewardship.
And the other thing I don't want to ramble here.
But the other thing that I really hear there is
focus on stewardship, right?
That says it over and over again in the Bible, like the way you steward what you get,right?
You talked about it, like you can overspend no matter how much money you have.
So I love all those points.

(29:14):
Yeah.
The other thing I want to bring up is a lot of Christians might take the story of theruler, the rich young ruler who would not give up all of his possessions to follow Jesus.
And I think they take that so much to heart, like I have to be dirt poor, otherwise Ican't follow Jesus.
It was the priority of things that he had, not the wealth itself.
He would not put Jesus first.

(29:36):
That's what really you need to take from that is he was unwilling to put Jesus aboveworldly things.
You do need to make sure you get that right before you go pursuing wealth.
Have your heart right in the right place before you move forward.
Any thoughts on that?
Yeah, you know what the greatest thing you can do to combat greediness and selfishness isgenerosity.

(29:59):
And that's where I think God says tithe, give, donate tithes and offerings.
It's a test.
It's a test.
And even when I was like so broke living in that cockroach filled apartment, couldn't payfor groceries.
I would be like this, like my, my fists were just tight and closed off.
And I'm like, I don't have anything to give.
And he's like, I need you to give to me.

(30:21):
What?
10 % you know, you can debate the tithe whether that's Old Testament, you know, whateveryou can debate it.
I think he wants you to be generous.
So test it.
Just test it.
Take that 10 % and like open your hands and release it and let it go.
And then you'll see what he does with that with that obedience.

(30:42):
And then when you're no longer close fist tight white knuckled, look at your posture isopen to receiving more like
And a lot of people, like the parable of the talents are like, well, I'm saving it.
I'm saving it.
And I don't have any debt.
I'm just saving, saving, saving.
Is that what the parable of the three talents taught us?

(31:02):
No, I think the parable of the three talents taught us that the one who hoarded it andsaved it and kept it and kept the same amount, not only was each of them was given what
the master
believed like double believed what they were already capable of stewarding.
You know, it already did that.

(31:23):
So one hit it on our rug, basically dug a hole, right?
Hit it on our rug.
The other two multiplied it and the two that multiplied it were blessed, not just like,like blessed double.
And the one who hit it, that saved it, that hoarded it, that controlled it.
And look, I gave, I, it's the same amount was cursed.
And I think that's like a test of stewardship required multiplication.

(31:48):
It's not just a counting of your coins.
It's not just a saving of it in your bank account.
What is it doing there?
In fact, it's probably just losing to the inflation monster.
So it's not stewardship.
So figure out, and it's very easy.
You could just start a simple stock account if you want to be as simple as possible.
We chose real estate.

(32:08):
I do have stock accounts too, but like we chose real estate.
See, see if you could multiply that money.
Take some risk, invest.
um I think that like we make failure such a big thing that like you're not allowed to likeplay with your money and test it and try things out because you're so afraid that you're
gonna lose.
Guess what?
You probably will lose some, but you'll probably make more than you ever lose based onodds.

(32:32):
And so like, and make wise decisions.
I challenge anyone that's also listening, they hopefully they've read some autobiographiesof successful entrepreneurs, every single one of them has a failure story, multiple
failure stories.
uh So they took risks, and they learned from those failures, and then they were able togrow their money.

(32:54):
So you can't let a fear of failure stop you is basically the point that I'm getting at,because everyone that you ever look up to has failed.
They might not uh write it in a book, but
they have failed to get where they are.
So, really, really good.
um failure is necessary.
You cannot avoid fear.

(33:15):
You cannot live a fearless life.
It's impossible.
But you can fear less.
You can absolutely fear less.
You can have fear in the driver's seat of your life dictating every move you ever make.
Or it could be in the
the passenger seat while you're the driver, you and God are the driver and you say, okay,fear, I see you, you're trying to keep me alive here, you're trying to make sure I'm not

(33:40):
making mistakes, you're trying to make sure I'm doing my due diligence on this deal orthis investment.
Those are all good things that fear is necessary.
It's necessary in our life, you know, but it's not in the driver's seat.
It should never be in the driver's seat.
It shouldn't be the driver of your life.
I love Will Smith said, fear, fail fast, fail often and fail forward.

(34:03):
And I love that, because it's like normalizing failure and fear.
It's all part of the process.
Like it's how God refines us.
Yeah.
One point I want to make is, again, around the practical steps is no matter where you are,one step forward, Kobe Bryant got 1 % better every day, he said, right, to get to where he

(34:25):
was.
So it may not seem like you're making these momentum leaps, and most people do not makemomentum leaps.
They take one small step forward every time, and those compound over time to get to wherethey are.
So uh start with going like...
Here's the other point I want to make.
One of the first things that I did is started to get around people that thoughtdifferently about money, right?

(34:45):
Took myself out of environment of people thinking negatively and got around people that,like you, right?
That have a positive aspect of money and that in itself, changing your environment changesyour actions.
So.
don't take financial advice from broke people.
It just, you know, and you might not realize that they're broke, but you can kind of learnthat through someone's behaviors.

(35:09):
You know, my sister used to, she had the whole cash and envelope system that she hadlearned in church and she was trying to help me with that.
And God bless her.
She was being a really good big sister, just trying to help me navigate managing my moneybetter.
But I didn't know that she was also living on food stamps.
So, you know, she was
probably more broke than I was.
I actually know that I was making more money in my retail job than she was as a teacher.

(35:33):
And I'm like, so I'm getting advice from someone who's not where I want to be.
And it's okay.
Like I don't necessarily think you should talk about money with your family if they're,know, like, I think you should make money conversations more normal, especially as you are
breaking the financial chains in your family and breaking the generational, you know,chains of, of financial poverty in your family.

(35:55):
think then you should
influence, know, rising tide raises all ships.
So I do think that you should have more candid conversations, bring up money more talkmore about it.
But when you're starting off, and you're trying to get that advice and guidance, you needto be getting it from people who are where you want to be like, that's it, like every
coach you hire better be making some money, and you better be careful.

(36:15):
You better be careful out there.
A lot of people are saying they're making a lot of money, you know, so really havediscernment with who is guiding you with your finances with your business.
Are your are your morals aligned?
you know, do you are they where you want to be?
And can can they prove that?
Do they have the receipts?
You know, I love that some are really starting to show like their sales online becausethere's just so many imitators out there is really easy to go rent a private jet and do

(36:41):
some, you know, reels on it.
It's really easy.
see people.
There's a lot of Lamborghinis in Scottsdale.
And I see people like filming out in front of these Lamborghinis.
of your Lamborghini, you know, so it's really easy to be deceived.
So you have to have that discernment.
But you definitely want to take financial advice from someone who's where you want to beand who has come from that who who's going to condense time for you.

(37:05):
Because like you said, like, it takes a little step 1 % better.
But people think that financial freedom is 50 years from now.
And that's why it's really hard to stay on path.
And it's really hard to like, not
fall into instant gratification because it just feels so far off, but it's not.
actually think financial freedom is so much closer than you think.

(37:27):
You just don't even know.
You haven't even done the math.
Have you done the math to see how much it would be to replace your current income rightnow with passive income and what would that take?
Honestly, it's like what, $5,000 to $10,000 maybe a month?
Maybe.
And that's like if you have family, it's not that much.
And it's not that far away.
We just give up, we give up, we think it's too late, we think we're too old, we think, youknow, it's for them.

(37:49):
It's again, like, it's the worthiness.
You just don't think it's, you know, it's a worthy pursuit.
I think it's one of the greatest pursuits.
Again, see that you could be a blessing for others, not just your family, your community,your immediate family, but like for people who are in real poverty, you know what mean?
Like real poverty.
I want to touch on two things.

(38:10):
I love that you said someone that has the receipts, right?
But also you also mentioned in there that's morally aligned with you.
Some people may have the receipts, but they've gone in an ill-gotten way, right?
You don't want to follow people that are doing illegal things that are going to lead youdown an immoral path, because there's plenty of those out there too.
I love...

(38:32):
Yes.
Yep.
can make it righteous wealth or unrighteous wealth.
You know, there are definitely Opportunities for both and I definitely people are outthere saying you could manifest it make it happen.
You're your own god like nah Nah, I don't believe in any I don't I didn't read anywhere inthe Bible that I have the power to manifest anything I'm not God but

(38:55):
I do have the ability to steward and honor what he's given me and see what he'll let me dowith it next.
Yeah, one other thing I want to bring up is the, want to relate this to AI because a lotof negative people think AI is from the devil.
It is just like the dawn of the, when the internet came out, a lot of people said, that'sa bad thing.

(39:17):
You know, it's going to be used for evil.
Why as Christians would we let something like a technology or whether it be, or, orwealth, for instance, be all in the hands of the enemy.
Right.
That would, that would, to me is bad stewardship.
Right.
there's no greater transfer of wealth than in the hands of God's people.
And I think we're actually in that transfer right now.

(39:38):
So do you want to be a part of it?
Do you want to be entrusted?
What was it?
Luke 16, 10?
Be faithful with little and he'll test you in what and to see what he can.
You can be faithful with much, right?
Wow, that was hard to get out.
just imagine.

(40:00):
If there were more of God's people who were obedient, like look at Truett Caffey.
Do you know how much money that family has given away?
Look at Hobby Lobby.
You want to learn from some of the greatest business Christians?
Read about them and see what they've been able to do in secrecy.
Like they didn't do it like, hey, I do all these amazing things.

(40:22):
Just go look at how much the owner of Hobby Lobby has donated.
I mean, it's crazy.
So I think that there's
no greater gift and way to honor God.
I mean, there are lots of great ways to honor God.
I guess I can't put one greater, but this is one way in our world.
And people want to be like, well, it's not about the money and money is not important.

(40:42):
Money is a really useful tool here on earth.
Do we get to take any of it with us when we die?
No.
Can you buy your way into heaven or out of hell?
No, this is not prosperity gospel.
That's not what this is.
um But it's pretty useful here on earth, I would say.
How can we be a servant with this useful tool?
That's it.

(41:02):
And how can we be a vessel?
How can we be a vehicle that it flows through?
It flows through like a current, like water.
Like, it doesn't stop at us.
not, uh I interviewed this former NBA player, Anthony Tolliver on my new YouTube channel.
And he uses the analogy of like, you never wanna be a lake.
You're not just like piling up everything.

(41:24):
You wanna be a river.
And I love that and he's been able to do so much with his NBA career and teachinggenerosity as kids.
And I think that's a really good analogy for, you a lake or are you a river?
Yeah, very, very, very true.
I want to touch on your journey just a little bit because you went from, we mentioned,being really, really in debt to being a multimillionaire now.

(41:47):
Can you cite just a couple, I know, kind of like we talked about, it's like your momentum,right?
You start moving forward and you build momentum, but are there a couple moves in therethat you can go back to and say that, that in particular was one thing that really
catapulted me forward.
Yeah, the first move I made was a physical one.
I was living in Los Angeles, barely making it in a city that I felt was sucking the lifeout of me, drying my bank account dry.

(42:14):
You know what I mean?
Like I just, could not get my head above water there.
So I physically moved.
I never thought I'd move out of California ever.
I was like, I honestly was like one of those Californians that was like, is there anotherworld?
Is California its own country?
You know?
and Northern and Southern California are very different.
I was a SoCal girl.

(42:34):
So I really didn't ever imagine my life not there.
And at the same time, I was absolutely miserable.
I was miserable.
I was making $55,000 a year, and this was like a lot of years ago now.
I haven't been back, but I was making good income at the time, but I wasn't seeing any ofit.

(42:55):
It was all going to cost a living, all going to bills.
It was insane.
There are more affordable.
affordable places to live.
And um I decided to sell everything I owned, pack up my little Toyota Silica, and I movedto Montana.
I had never been there.
I didn't even know where to point it out on a map.
Again, I'm from California.
We don't look at maps.

(43:16):
And I didn't, I literally didn't know where I was going.
I remember when I first got there, was March, so it was like winter.
I had to go buy snow boots and everything smelled like cow poop because there were a lotof farms.
And I was like, where did I move?
You know?
I just had no idea.
I put a quarter in a meter, a parking meter and I got 10 hours.
I called every friend I knew in LA.

(43:39):
I said, you will not believe where I just moved.
I think I'm in heaven.
Pigs were flying.
I just was like, yeah, it was very different.
Okay, very different environment does not even still to this day have like a Macy's.
Okay.
So the whole state okay has one zip code.
It's but it's
It's where I needed to be to start over, to hit the reset button on my life.

(44:04):
Some people are in that spot right now.
You are never going to get ahead if you stay where you are.
so what?
The weather is perfect in California.
I hated my life.
I hated my life there.
I was, I was on the track, I believe, to becoming very, very unhealthy, very, veryunhealthy.
I was so stressed out and I feel like that stress would have turned into cancer, somethingreally, I I cried all the time over my death.

(44:28):
I cried all the time because I would sleep in my car.
I would literally sleep in my car because they had street sweep and I couldn't afford theparking garage across the way.
I was already paying a lot in rent and I couldn't afford more for the parking garage.
I would get home at like two in the morning, which means everybody's already parked forthe night.
So I couldn't park my car.
I would be blocks and blocks and blocks away.

(44:50):
So I would illegally park my car and sleep in it.
until 7am when street sweep is coming and I knew someone would be able to move their carand I'd be able to move it in get a few more hours of sleep before I had to do it all over
again.
That is no way of living and I cannot believe that I accepted that for so long for so longwhen I'm like, Whoa, I moved to Montana, I moved into a house with two girls, I was paying

(45:14):
$300 to live in a house for rent.
put
25 cents and got 10 hours and a meter and I was like, seriously, no, I wasn't making asmuch income.
But again, I figured that out.
I became an entrepreneur.
I made sure there was no ceiling on my income.
It definitely allowed me to catch a break, to breathe, to take a step back from survivalmode and be able to come up with a plan.

(45:39):
Now, the second thing I did and the plan that worked was real estate.
Hey, guess what?
We moved across country.
It was with my boyfriend at the time who's now my husband.
We moved across the country, moved to Montana.
I guess it's not across the country, but felt like a whole nother world.
We moved to Montana.
We had no money.
I was six figures in debt.
He had bad credit.

(45:59):
Let's start investing in real estate with no job and no money.
And we did.
And we took a course.
over a weekend, someone came in, you know, we read Rich Dad Poor Dad, we took a coursethat weekend, we got a coach, put that on a credit card, you know, some people would be
like, that's stupid.
One of the best decisions I ever did.
And we were able to, not only did putting that on a credit card make us like, we had sixmonths of free interest on that card, we were like, we have six months to pay this off.

(46:27):
We have six months to do our first deal.
We have like it gave us the deadline.
It put our back against the wall and give us no other option.
We burned the boats.
It's time to do real estate and we figured it out.
Our first investor we got off of Craigslist.
Yes, someone on Craigslist gave me over $60,000.
You know why?
Because there's also smart people out there that have a lot of money.

(46:49):
You think everybody's broke?
No, no, no.
There are people out there that have a lot of money and they understand a good deal.
And if you can present the deal to them and that they'll make more money than it's sittingin a bank account.
they will do the deal.
You know, and we've always been very integrative people.
So people have just like invested with us and we've shown that we've never lost anybody,any money.
So, um, we have lost our own money.

(47:12):
Let me just state that, you know, not any deal is perfect, but, um, but I would say thesecond thing I did was invest in real estate.
It, you know, if you look at the common denominators in the top 1 % of people is theyfound wealth through one
two or both of these ways and it's business or real estate.
The quickest way to change your financial situation is through business and real estate orboth.

(47:35):
And most people who end up having a very successful business, tuck a lot of money intoreal estate to help with taxes.
And it's a great combination in it to build wealth in our society.
And there's just so many incentives that the government has given us to becomeentrepreneurs and to buy real estate.
so, interest rates aren't great now, which is super fun, but.
You know, it's all part.
Everybody's been through cycles.

(47:56):
Remember, like it used to be 18%.
So people are like 7%.
I'm like, dude, before 2009, it was so much higher.
there's opportunity to start a business, especially in the United States.
Like I just don't think there's a greater place to start a business.
And then there's opportunity to start investing in real estate without the experience,without the money.

(48:17):
You do have to have a little bit of time.
And we would do bandit signs in the middle of the night, like
We hustled, we hustled.
For a few years, it took some hustle.
Again, we still traveled, we still had a balance every weekend, we still enjoyed thebeautiful, beautiful mountains of Montana.
We explored more of Montana than people who have been there their whole life.

(48:39):
So we still made that a priority while we were building, but we build hard and we wentafter it and we never give up.
And when I look at the people who were in that class with us, the only difference betweensome of the people uh and us was that we didn't give up.
Eventually it worked.
Eventually, like that first deal we made happen in six months.
Eventually it started building and it started snowballing in such a significant way.

(49:02):
It's like the hockey puck.
It's just like when you start a business, you know, it's like here and then all of suddenit's like, whoa, all of that is paying off.
All that is coming through.
So those were the two biggest things.
And I think if anybody can get anything, a takeaway would be, do you need to make a move,a literal move?

(49:23):
to make something happen, it might require that, okay?
And again, maybe, I love California.
mean, I probably would never go back now, but it's always on the top three places we couldlive.
But I don't need to go there now.
Like, I don't know, I feel good in Arizona, I feel good.
Like, maybe your priority will change once you've moved away, but you don't know, it's allthat you've ever known.

(49:45):
And I think there's really something fun to explore on the outside of your comfort zone.
um And so maybe you need a literal move.
Maybe you need a job pivot, you know, um I think again, it's like the fear what if what ifwhat if yeah, but what if it works?
What if it worked out?
Well, what if it's better?
What if that job is better?
What if you were happier there?

(50:06):
Like I just didn't think I would love Montana as much as I did and I loved it and we werethere for 14 years.
We just moved.
I was like, I'll be here for a few and God's like, I got a plan for you.
and it was really the springboard to everything else.
And then the second part, the takeaway would be you have to multiply your money, whetherit's your job and you match your 401k, whether you take some money from your paycheck to

(50:30):
pay your future self through a stock account, or whether you put some money aside intowhat I call an investment account and you start saving up to buy some rentals.
Like I definitely think that like, you read Rich Dad Poor Dad, it's the one book everybodysays that they've read that has impacted their
their mindset around money.
Read my book, Buy the Damn Coffee, if you want some internal healing around your money.

(50:53):
If you want to know what God actually says about money too, my husband wrote a book too.
He's my introvert, so he'll never plug his own book.
I'll plug it for him because I'm a good wife, but he wrote Bible Money Secrets.
And if you really want to deep dive with other pastoral expertise inside of that book umand really know what the Bible actually says about money, because you're hung up on

(51:15):
greedy people won't you know can't get through the eye of the needle of the camel rightlike all these things like if you're hung up on that that's a great book that will will
really show you the limiting studies and conversations that we've had in church aroundmoney um and Hopefully hopefully set you free so that you can walk into prosperity.

(51:36):
God does not promise wealth.
Okay, that's not prosperity gospel
He does not promise wealth, but he gives you every opportunity to prosper.
Yes, yes, very, very true.
uh I have more questions, but we're running up against the top of the hour.
I really want to know, like, maybe we have you on for another episode just to talk aboutyour marriage and how you two work together uh towards your wealth.

(52:03):
I don't know if you started on the same page, but we'll get into that topic maybe onanother episode, or I just bring you back for like a 15-minute clip or something.
uh
Doug.
It's actually the next book that my husband and I are probably gonna write together, whichis Marriage Money, because that is a whole topic.
I have a chapter in it in my book on Marriage Money, but I had to take so much out of it.
I'm all, is the next book, because working towards wealth with your partner is a wholenother story, because they come with their own money influencers, money stories, beliefs,

(52:32):
and all these things.
And I am an advocate for working together with your spouse.
because whether one partner is trying to build a legacy, but not teaching the knowledge topass on the legacy, that's to your spouse, to your kids, it will be gone.
Everything you ever built will be gone.
And if you aren't working together and you have separate bank accounts and you'reVenmo-ing, I see this, you Venmo your spouse for the mortgage, something is seriously

(53:00):
wrong with that too.
So ah now there are very rare cases of keeping your finances separate.
but for the most part, uh statistically too, uh marriages last more if your money istogether and you work together.
Most of the stats on marriage and divorce and money are really not just the money, thephysical dollars in the account, it's not being on the same goals with finances at all.

(53:24):
And so I have a lot to share and I would love to come back on and share more about that.
Awesome, awesome.
Well, we'll do another episode.
It'll be probably, maybe it'll be just as long.
I don't know, but uh I really want to dive into that topic.
So let's plan on that.
uh I do have, uh first of all, you mentioned your book.
Where can people find out more about the book and what else can they, where else can theyfind out more about you?

(53:47):
you can go to JanineMix.com forge slash PCB for profitable Christian business PCB and I'vegot my five step money planner.
If you're like, I don't even know where to start with organizing my money.
I've got you.
It's a five step money planner and is not complicated and it's not full of pie charts.
It's very, simple.
like more to me more like Excel stuff.

(54:07):
It's like stressful.
It's very simple.
It's all in one easy glance of the year and month.
Like it's great.
And then you can set your goals in there and your spouse and organize your money.
I think it's a great place to start to start feeling more confident with your money.
There's a link on there for my book as well.
And then there's a Facebook community that you can join in and hang out with me.
But if you want to hang out with me, hang out with me on uh Instagram, Janine Mix.

(54:29):
That's definitely where we go.
And then we just launched our new YouTube channel.
So definitely go subscribe.
It's Adventures with Millionaires.
I interview millionaires while doing something epic.
It's not a boring interview.
It's so fun and we get them out of their comfort zone and in a little bit of fear so thatyou can see a different side of the people and a different vulnerability of people who

(54:51):
have crushed it in their life and have become millionaires and have come from, you know, Ithink there's something really inspiring about hearing someone's story.
And so um I'm really excited to share that and we just launched that a couple of weeksago.
Wow, I'm excited to check.
I'm going to be subscribing to that YouTube channel because that sounds amazing.
I had ah someone that I was suggesting, you beat them to the punch of them doing somethinglike that and here you are, you've done it.

(55:15):
And there you boom, awesome.
I'm going to subscribe.
ah So I'm going to put those links below.
I'm also, if you'll give it to me, I can go research it.
I'll put the link to your husband's book ah as well to go check that out because I reallythink there's going to be a lot of great information in there for anyone that is watching
or listening.
Last question, I ask everybody before they leave because I don't want to leave anythingleft on the table of wisdom passed along.

(55:40):
Any words of wisdom for anyone that is watching right
start today.
I just feel like you're gonna, you're gonna listen to this, you're gonna get inspired,you're gonna listen to some other podcasts, you're gonna get inspired, you're gonna read
another book, you're gonna get inspired.

(56:00):
But if you don't take action and just do something every day.
So I do this thing called money moves Monday.
And it's how I built my financial confidence because no one is born confident with money.
Literally no one.
It's not like it's not a birthright.
Okay, well, might be our kingdom birthright, you know what mean?
But
We're not born knowing like the financial institution, how a 401k works, like how much Ishould be saving.

(56:23):
Like we're not born that way.
So we have to build our confidence.
The quickest way that you can do that is dedicate 20 minutes every Monday.
Money moves Monday.
20 minutes every Monday.
Read a financial article.
Read a financial specific financial book.
Read my book, my husband's book, Rich Dad Poor Dad.
I don't care.
Make sure it's focused on money so that you can like be...
absorbing, absorbing from successful people, In that proximity, like you said, whetherit's a podcast about money, 20 minutes every Monday, and you will get more confident with

(56:54):
your money.
I also spend that 20 minutes, I actually do two hours now, because I love it.
I love it.
I used to like cry in my budget and avoid it and started with like 15 minutes.
Now I'm like two hours every Monday.
I love it.
And I'm in my money and I'm in my money plan and my five step money plan.
And I'm making decisions.
I'm feeling empowered.
You know, all of the things, the stress, the things that, you know, why you avoid yourbank account, all that starts to dissipate when you become more confident in knowing where

(57:20):
your money is going.
And I just think that if you listen to this and you do nothing, nothing will change.
Nothing will change in your life.
Your circumstances will remain the same.
You have to do something.
So read an article, go get my planner.
actually spend the week filling that out.
And it's not, you don't need the week, but like spend a little bit of time, you know, anddon't avoid it and have the conversations and, um, you know, take that action.

(57:45):
I think it starts there because most people just don't even know where their money is.
So they can't even imagine investing right now.
How could I get into real estate?
I don't even know where my money is.
Right.
So that's an easy fix.
Let's do that.
So we can move on to the next category, right?
Your income and then
be able to make some more wiser decisions with your money.
I know on your questions you had mentioned something about feeling, what's my guiltypleasure when I purchase something?

(58:10):
I don't have a guilty pleasure because I don't feel guilty spending money anymore.
I feel excited.
What would your life look like if you felt excited to spend money and you felt confidentwhere that money was going?
It's a different life.
It doesn't mean we don't have financial stressors, okay?
Bigger problems with bigger...
Real estate for sure, bit more expensive problems too.

(58:31):
We have those all the time, but I no longer have like guilt and fear and shame over mydollars because I know where they're going.
I have a plan for them.
Sometimes the plan doesn't work out.
It's okay.
It's not perfect.
And then we pivot, but I'm in it.
I'm in it to make real time decisions.
You know, I'm not figuring it out after my PNLs have done, been done for the year and mytaxes are submitted.

(58:52):
I'm not figuring out if my business is profitable once a year.
I'm doing this every single week.
I put it in my calendar, just one last little tidbit, put it in your calendar, and in thedescription of that event, put the links to blogs you wanna read, put the links to the
podcast you wanna listen to in that time, put the link to the course that you wanna gothrough one of the modules during that 20 minutes, put that right into your calendar, and

(59:16):
just see how much confidence will change in your life very quickly around money becauseyou're absorbing the information differently.
Shameless plug, if you're a Christian entrepreneur, make sure this podcast is in thatlist.
Nice, nice.
Well, thank you so much, Janine.
This has been delightful.
Well, I will know, I will see you again.

(59:36):
We'll have you back on for the marriage episode because that I don't think can go leftunsaid on this podcast because I think our audience really needs it.
So thank you again so much.
And until next time, entrepreneurs, keep moving forward.
All right, that was awesome.
uh
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