March 18, 2025 • 34 mins
Imagine reframing your entire relationship with money from something that causes stress to an energetic force that creates freedom when it flows properly. That's exactly what financial expert Deborah Daniel guides us through in this illuminating conversation about wealth, purpose, and liberation.
Deborah introduces her revolutionary "Wealth Pyramid" concept - a framework that positions money as the essential foundation, but recognizes that true wealth encompasses relationships, knowledge, and spiritual purpose. With the warm wisdom that comes from 33 years as a CPA, she dismantles common money blocks that keep us financially stuck, explaining how these limiting beliefs often form in childhood or get passed down through generations.
Deborah describes money as energy that must flow, suggesting regular "money dates" to heal your relationship with finances. She shares the inspiring story of clients who invested just $600 monthly for nearly 30 years, resulting in over a million-dollar account - proving that consistent small actions create extraordinary results over time.
Get Deborah's Top 10 Tips To Add More Cash To Our Bank Account in the Next 30 Days: Action Steps ANYONE Can Use
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Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:05):
Debra, daniel, thank you so much for joining me on.
We Woke Up Like this today andI'm so excited to talk to you
because, well, can I just callyou the money?
Goddess Take that, I'll takethat.
So we're talking aboutliberation, embodiment, freedom,
what it means to fully stepinto who you are and show up and
make the impact you want tomake in the world, and I know
(00:27):
that this is something reallynear and dear to your heart.
So let's dive in.
And what is liberation andfreedom and all those good
things mean to you?
Oh, gosh.
Speaker 2 (00:37):
It means really living the life that you want to
live, doing the things thatyou're supposed to do.
I mean, I've kind of embodiedthat whole thought into
something I call the wealthpyramid, basically Money being
the base we got to have money.
Life isn't about money, but thereality is everything important
is impacted by money.
So let's start out, get thatpart strong.
I think there's another levelof wealth relationships having
(01:00):
the right people in your life,who you surround yourself with,
having the right resources.
Personally, I think, surroundyourself with having the right
resources.
Personally, I think a fulfilledlife is not going to be, you're
not going to have it, if you'renot a lifetime learner, if
you're not constantly buildingyour knowledge.
Wealth, whatever that means toyou, and then at the very
pinnacle to me, is what I callspiritual wealth, and I'm not
talking God or source orwhatever people believe from a
(01:22):
religious standpoint, but from aspiritual purpose.
Freedom this is where I'msupposed knowing where you're
supposed to be, and if you getall that in order, to me that's
freedom.
Speaker 1 (01:32):
That's completely freedom.
Oh my gosh, that's.
That is an amazing pyramid.
Let's start at the bottom.
Let's start at that basefoundation of financial wealth
and for so many people, myselfincluded, overcoming money
blocks was such a big issue, isa big issue.
Where do money blocks come from?
Speaker 2 (01:50):
You know it's so crazy.
I mean I'm a money person, anumbers person, a really kind of
almost scientific how does thisall work, kind of thing.
But I also am very much awoo-woo kind of person too and I
do think there's an energy toit.
I think some of this moneystuff is actually kind of
genetically passed down to us alittle bit.
We come into this world with alittle bit of our attitudes
(02:12):
towards money based on ourancestors a little bit, and we
know for a fact scientificallythat our money attitudes are
very much formed in the firstseven years of our life,
something that we heard.
The environment around usshapes us for our whole life.
I mean that's kind of a lot ofreasons why people that win the
lottery never, I mean, they'rebroke very soon after that
(02:36):
because they don't have thisconnection between having earned
it or where their money storyreally was and all of a sudden
they have this windfall.
They don't know how to reallyprocess that.
So the blocks really, I thinkcome from internally and
externally.
I mean I remember growing up.
You know rich people do this,or da da da.
You know there's so manystories out there, even the
(02:58):
Bible.
You know money is the root ofall evil.
That's actually a huge misquotefrom the Bible.
It's the love of money is theroot of all evil.
So I think we have a lot ofmessaging that is really kind of
bad.
And I don't think that thecurrent, you know, mainstream
makes it any better, because itkind of pit the money levels
against each other, which Idon't think really is the right
(03:20):
way to go.
I mean, there's an it's not forme to win, you have to lose,
right?
It's not like I really feellike that as we all grow,
everybody does better, right?
And I think that's where we'vegot to get to that attitude that
for me to have money, somebodyelse has to give it up.
And I think that's where a lotof the blocks come from.
Speaker 1 (03:38):
Yeah, like there's a finite amount of something and
these people have it and I don'tand I never will and I never
can, because there's not enoughto go around.
Popular story.
Speaker 2 (03:47):
Exactly.
Well, I mean, honestly I'm kindof I've got a lot of weird
Deborah-isms, but to me, youknow, the currency is, when I
think of money, it's supposed toflow.
Right, even our forefatherscalled the highest.
You know, level of the money.
People in government are thecomptroller of the currency and
people are like what does thatmean?
You know level of the money.
People in government are thecontroller of the currency and
people are like what does thatmean?
Because it's supposed to flow.
I remember the last speakingengagement I had before the
(04:09):
pandemic was to a bunch ofsocial entrepreneurs and we were
talking about the impact ofentrepreneurship and I just back
of the envelope, just said,okay, over 30, at that time it
had been about 28, 29, 30 yearsor whatever oh, maybe 50
employees.
And I just calculated in.
You know, roughly probably I'dspent $4 million over that
amount of time on payroll forpeople.
(04:31):
Well, that $4 million went outinto the community for somebody
to pay for their daughter'sdance lessons, for them to pay
for their mortgage, for them togo to the dentist.
I mean, it's all circlingaround.
The money I gave them went toother people to spend.
If we've got that flow going,that's really what we can't have
stop is people hoarding it orfor whatever reason, feeling
like I have to hold on to it andI don't know to me.
(04:53):
Sometimes people are so scaredto spend money they're holding
onto it so tight their moneycan't come into it.
Right, you've got to reallyhave the right attitude about it
.
But I don't think it'sintuitive and I don't think it's
really messaged by themainstream for us to feel that
way about it.
Speaker 1 (05:09):
It's not intuitive.
Say more about that.
That's interesting.
Speaker 2 (05:13):
Well, because again, I remember being a little kid,
my parents talking about money.
I mean, I've always beensomeone that was incented by
reward.
I mean and some people are notmy grandparents used to give me
a dollar every of course it wasa long time ago a dollar every
time I made an A.
I very quickly was incented bythat, but I don't know that that
(05:34):
was intuitive to me.
My grandparents had grown up inthe Depression.
We came from a little bit asense of lack a little bit.
Anybody who's been, anybodywho's ever been connected to
anyone that lived through thedepression, obviously it comes
down to you.
You hear those stories like mygrandparents didn't borrow money
for anything.
You know that was just likekind of taboo a little bit.
(05:55):
And so learning to go past thatlike I have to have every
little save so much, I think isreally something we all have to
struggle with a little bit.
Speaker 1 (06:03):
So interesting that it's so conditioned.
And my money story was superhard to get over because, like
all the money coaches I workedwith and people I talked to
about it, and I would say mymoney block is that I really
believe you don't need money tobe happy.
And so they're like I don'tknow how to work with that one,
I don't know.
But then what I've come torectify is that you know,
(06:26):
because I am happy, and I am ahappy person and a joyful person
that I use my money in joyfuland positive ways, because I
really saw that it's just, it'sneutral, right, it's neutral.
It has no meaning except forwhat you assign to it.
Speaker 2 (06:38):
Exactly, but to your point, you cannot pour from an
empty cup.
So I think it's our moralobligation almost to earn as
much as we possibly can, so thatwe have as much as we possibly
can to give.
Now, reality check, it's verydifferent from a male
perspective versus a femaleperspective.
I mean, I do taxes for people,so I'm dealing mostly with
(07:01):
couples, a lot with couples, alot with men.
But when women prosper, theirwhole community prospers.
They just tend to do that.
When men prosper, they tend tokeep it a little closer to home.
Yes, their family, their tribe,you know, very, very tight.
I mean, for some reason, womenhave a little bit more expansive
(07:23):
sense of spreading the wealth.
It's just.
I mean I've seen example of itover example of it.
Speaker 1 (07:28):
Yeah, and I totally agree with that and you know my
audience and the women that Iwork with are the way showers,
the light workers, the peoplewho are in this, you know, have
a real heart and compassion forhelping and healing humanity.
And what comes with that do youthink so much guilt about
charging for their services?
Speaker 2 (07:46):
Oh my gosh, I know I've said that before.
I mean because you know I'veled several communities of women
and one thing that I've runinto a lot is oh, I just want to
serve, I don't really need tocharge, or you know, I feel
funny charging or whatever.
But the reality is you can'tserve anyone if you can't keep
your lights on.
So again it's you can't pourfrom an empty cup.
(08:07):
You know you can't saveyourself on an airplane if
you're not breathing.
You have to take care ofyourself first, financially,
before you can help others.
The fact that you give freeservices to 10 people or low
cost services to 10 people isway less impactful than charging
what you should and being ableto help a thousand people in
your community.
Speaker 1 (08:25):
And then you have the funds to contribute to your
favorite nonprofits or to helpyour anybody who's in need that
you happen to come upon thatyour heart feels like a home,
your own foundation, which is soI mean.
Speaker 2 (08:35):
So so many of my clients are at that point in
their.
I mean, I've just kind of grown33 years in.
A lot of us are getting older.
Yeah, unfortunately, actually,fortunately, we're starting to
think a little bit more aboutlegacy, we're starting to think
a little bit more about passingit on, and it's really not that
hard to set up your own personalfoundation, and there's a lot
of financial benefits to it aswell, because you can deduct
(08:57):
things now and have an impactbeyond even your life.
Speaker 1 (09:01):
Do you have to be a millionaire to set up a
foundation?
I?
Speaker 2 (09:03):
don't.
It's a lot less expensive and alot less cumbersome to do than
you would think.
We're even looking at doingsome of these things now.
A scholarship at my kid's oldschool, you know the Daniel
Family Foundation.
That sounds really cool to me,that's a legacy right.
Speaker 1 (09:19):
That's a legacy right there.
Speaker 2 (09:21):
Yeah, because, you think about it, we only have.
I mean, I personally am on the100-year plan.
I'm hoping I'm going to be herea little bit longer than I am
right now, but beyond that,what's left behind?
I mean I want it somehow to beremembered.
Speaker 1 (09:53):
Yeah, when it's like your children and then your
grandchildren, and then yourgreat-grandchildren and your
great-great-grandchildren, it'slike, oh wow, I get to do this
because my great-great, greatgrandmother was quite the
impactful woman, she was asmarty and quite the impactful
woman in her time.
Speaker 2 (09:57):
If money is neutral and money is a reflection of the
person who has it, okay, well,it is neutral, but I think it
has an energy like anything else, and so, again, there's a
difference, and I just thinkwomen in general are not like
this.
You can tell the energy of ascroogey kind of person versus
the energy of a person like me.
You would not ever expectsomeone with my attitude,
personality, whatever, to be aScrooge, and so I think the
money follows the personality ofthe person that has it, and
(10:20):
money has an energy.
Speaker 1 (10:21):
Can you just and I've heard somebody else say this
too.
So I have a friend whodescribed well, she is a money
magnet, she is just everything,she does everything.
She's like queen Midas and shesays money has an energy and she
is in vibrational resonancewith the frequency of money.
So can you explain that?
Because she certainly could not.
Speaker 2 (10:41):
Well, I do think it has an energy and this is how
I'll explain it.
I tell my clients I don't likebarter, I love to do business
with other people that I know.
But like if I have a landscaperdoing my lawn and I'm doing his
bookkeeping, even if we chargeexactly the same amount, we need
to actually physically exchange.
Well, now, nobody who exchangeschecks anymore, but we need to.
(11:03):
He needs to send money to myaccount and I need to send money
to his account or her accountor whatever, because if not,
it's almost like an openelectrical circuit.
It's like the contract theemotional contract hasn't been
completed because the passing ofthe money hasn't happened.
That's where I see that moneyhas energy.
It's gotta like close the gap.
It's like if you didn't haveall the wires connected in your
(11:26):
house, there'd be no power.
When you don't close that gap,there's no.
That energy is something'swrong with it in the money.
Does that make sense?
Speaker 1 (11:33):
It does.
So this is like we're inrelationship with everything in
our life, and money is a massiverelationship that's in our life
that so many people don't lookat, they neglect it, they just
don't want to deal with it.
How do we heal thatrelationship if we have a
painful relationship with ourmoney?
Speaker 2 (11:52):
Well, I think, just like anything else, the more
where you put your attention,things are going to grow, and so
you almost have to forceyourself.
Just like I don't like to go tothe gym and work out.
But every time I pass by it I'mlike, oh hi, gym.
But the thing is, then youstart going to the gym workout.
But every time I pass by it I'mlike, oh hi, jim.
But the thing is, then youstart going to the gym.
Then you're like, okay, wow,I'm getting into this, I'm going
to get a personal trainer.
(12:12):
Okay, wow, I got to go to thegym because she's expecting me
to be there.
Because then you start havingthis you have a money date once
a week and you look at what youspent your money on.
Then you say, be like,expecting you to be there, just
like you're, you know, mytrainer's expecting me to be at
the gym.
I think that that you reallyhave to face it.
We've been talking to our kidsabout money since they were very
little.
I remember someone stopped mein the grocery store Gosh, I
(12:35):
think it was my son, he wasmaybe two or three years old and
a guy stopped me in the grocerystore and he's like you are
talking to your child like he isan adult.
I'm like the thing is, if wetalk to them like babies,
they're going to act like babies, and we were talking about why
something was more expensivethan something else, and so
we've always given them a senseof value.
This is what it costs, this iswhat you get, and always trying
(12:58):
to strive for understanding thatand not expecting a windfall
from somewhere that you didn'twork for it or whatever.
Speaker 1 (13:07):
You just hit on something so important and you
talked about it in the beginningabout, like, even if you did
have that windfall and you're ina dysfunctional relationship
with your finances, then you'regoing to chase it away.
Speaker 2 (13:14):
I definitely think there are people that repel it
Because you're like it's justwoman's business is so amazing.
Why is she struggling all thetime financially?
And 100% of the time it'ssomething to do with her ability
to have a good relationshipwith money.
Because the reality is, if youdon't have a good relationship
with money, you're not going toask for the sale, you're not
going to ask for it confidently.
You're going to end up like, ohwell, no, not $3,000.
(13:37):
I mean only $1,000.
Oh wait, I'll just do it for$50,000.
A connection I think a lot ofpeople do have.
That I definitely think themore money you have in the bank,
the more comfort, more security, the more sense of freedom that
(13:57):
you have.
So that has to have a residualimpact on your own self-worth a
little bit, because you're notworried about your lights being
turned off or being kicked outor whatever.
But I think too, as long as youlink it to you, understand that
it's not the physical, likeMidas bar.
You know, it's not that I havea bunch of it built up, it's the
(14:18):
things that I can do with it.
I think that's okay and thatdoes very much impact your
self-worth and your self.
You know, feeling of self.
Speaker 1 (14:26):
For people in the healing modality like these I
don't know, for lack of a betterword softer businesses.
I just dropped it.
It's a softer way of doingbusiness.
How do you tell your women thatyou work with and you coach if
they're not charging whatthey're worth?
You work with and you coach.
(14:46):
If they're not charging whatthey're worth, how do they
determine what they're worth?
And then how do they have thecourage or what in them needs to
ask for the sale and chargewhat they're worth?
How can someone go about doingthat?
Speaker 2 (14:54):
So so hard to me.
I mean, got all the MBA andfinance, blah, blah, blah.
They would tell you okay tocheck what your competitors are
doing and charge based on that.
Honestly, especially in thesofter things, you're selling
something kind of totally uniqueand most of the time you're
coaching your modality, yoursystem.
How do you compare that tosomething else?
So you have to kind of getaround that.
(15:15):
But I will tell you one thing,joya, that's really super, super
important If you've never paidsomeone $20,000, you're never
going to get pay me $20,000coming out of your mouth.
You can't do it.
It's just, it's almostimpossible.
If you have not paid more orthe same as you were asking
someone to pay you, you willhave a really hard time asking
(15:38):
someone else to pay you that.
Speaker 1 (15:39):
Oh, I love that because you can see when you
invest in a coach and the moreyou invest in that coach, the
more you're personally investedin getting and learning and
listening and taking and doingeverything that that coach tells
you to do.
Well, because the thing isreally.
Speaker 2 (15:52):
if somebody says to me okay, deborah, this program
is going to be $20,000.
And I balk at that and I can'tget myself to write a check for
$20,000.
How are you going to haveenergetically going to be able
to ask somebody else to give you$20,000?
Love that.
Speaker 1 (16:07):
So making your money for a date, let's go.
I love this idea and I'mthinking of, like lighting some
candles and getting some flowersand spreading some money on the
table.
How do you guide people to havea date with money?
What does this look like?
Speaker 2 (16:27):
Something I did recently was actually have
someone write almost like a loveletter to their money, and at
first it was kind of like whatyou would expect.
I love that you can buy me thethings that I want to blah, blah
, blah, blah, blah.
But then I said, okay, let'stry this again.
And the second pass was reallymore about the feeling of
security, the feeling of freedom, the feeling of you know, I
mean, I'm certainly no WarrenBuffett, but it is nice to not
(16:50):
have to worry, like back when Iwas in college and four of my
tires need to be replaced and Ijust got out of college.
I mean it was literally likedevastating for me.
It was like one month's salaryto have to get some new tires.
It's been a long time since I'vehad to worry about the car
repair.
They're like, okay, what's thecar repair?
I gotta pay for it, whatever.
That is a nice way to live.
(17:10):
That I mean short of my houseburning down.
I mean it's, it's not gonna bedevastating today, right, that
just takes.
That makes you be able todecide what you're gonna spend
your time on, decide what youwant to do, because you're not
like, oh my gosh, I better becareful in case something
happens, and so you've got toreally give money its props.
Thank you, money that you giveme this ability to be able to
(17:32):
really go out and do whatever Iwant to all day.
Speaker 1 (17:34):
Thank you, money that you give me the ability to buy
a plane ticket and fly somewherein the world that I want to go
see.
Yeah.
Speaker 2 (17:40):
Exactly.
Speaker 1 (17:42):
It would take me a long time to row there in my
boat.
So it would take me a long timeto row there in my boat.
Speaker 2 (17:45):
So I'm very grateful that I have the money to be able
to do it.
You know there is a lot ofenergetic stuff to it, but the
thing is there also is a lot ofmechanical stuff that I think
people skip the steps on.
They want it to be right away.
They don't realize that smallamounts over a long period of
time make a huge difference.
It's not like when I get some,I'll do this.
(18:06):
When I do this, it's literally.
I have a client who startedputting into two little mutual
funds $300 a month back in the90s or whatever.
I think it was late 90s.
$600, that's a car payment.
I don't know, we usually payfor our cars in cash, but I mean
a car payment.
Probably a little bit less fora car payment now, but they have
(18:26):
been doing that.
$600, $600, $600, $600.
Stock market up, stock marketdown, stock market up, it
doesn't matter.
$600 per month.
For now, almost 30 years, thataccount is over a million
dollars.
Speaker 1 (18:38):
I mean I could spend $600 eating out in a month and
going out with friends Exactly,Especially eating out in a month
and going out with friendsExactly.
Speaker 2 (18:44):
Especially if you get into Starbucks every day.
That's probably $300 rightthere.
Speaker 1 (18:52):
For sure it really is .
It's such a reframe because Ithink that there's also a lack
of a concept of just the valueof money, that people don't
realize that, putting away thatlittle amount, the attitude is
like, oh well, what does thatmatter, what difference does
that make?
I need a million dollars.
I need millions of dollars tobe able to do the things that I
want to do, and that's actuallynot true.
Speaker 2 (19:10):
It's really not, because really time is your
friend when it comes to this,because you've got some kind of
return.
Even interest in the bank is alittle bit better than it used
to be, but it's really the timevalue of money and compound it,
especially like we already have.
Our kids are only in theirtwenties and they already have
(19:31):
Roth IRA accounts.
As soon as they started makingmoney, we were funding them,
putting it in there.
They'll be millionaires forsure Just probably in their
forties with with those accounts, never having done anything
themselves.
Because you can't wait untilthere's a good time, you have to
just go ahead and start doingit.
Speaker 1 (19:44):
Yeah, I told my daughter she's 22.
We opened up an account and Isaid just put $50.
She works in Starbucks, she's astudent, she's going to school
and I said put $50 a month inthere, no matter what.
Just put 50 bucks, 50 bucks, 50bucks, and when you can have a
little bit more, put that inthere.
So she started doing that.
I'm like, oh, I wish I wouldhave known to do that when I was
younger and I always had thisattitude around money, of what
(20:06):
it could buy me.
So as soon as I had money, itwas being spit instantly on crap
.
I thought I wanted.
Speaker 2 (20:13):
I think we have a really in our society warped
sense of want versus needs alittle bit too Delayed
gratification is not part of ourcurrent psyche, yeah, and I
think that that's where thespiritual coaching comes in, the
spiritual aspect of it.
Speaker 1 (20:29):
And actually it's funny because I posted on
Instagram yesterday a meme and Ithink I wrote something along
the lines of people who don'tknow what they need want what
they want right now.
It's like they can't wait, theygot to have it now.
Speaker 2 (20:43):
Exactly.
Well, I was on a radio show theother day actually talking
about they asked me to speak tothe subject that there's now
some millennials are turninginto 401k millionaires or
whatever, and so they've alreadyaccumulated that much in their
retirement account.
But the reality is, to me,freedom of money isn't about a
number like what number do Ineed to get to to retire or what
(21:05):
number do I need to have enough.
It really is back to thatcurrency and the flow.
If you've got your money set upwhere it's kicking off returns
to you, you can have a muchsmaller nest egg versus someone
that has to have a lump, and Ithink people don't think in that
terms of how not only am Isaving it or what am I doing
with it, but what is it going tocreate for me down the way?
(21:28):
Is it buying another business?
Is it buying a rental property,is it having an Airbnb or
something else other than justdepending on what your main gig
is, right, I mean, I personallythink being an entrepreneur,
owning your own business, is thenumber one way to create that
flow.
I don't know that I'll everretire.
I'll always do something youknow either business coaching
(21:49):
for women, money coaching,financial stuff.
Maybe you can even do taxes onthe side when I'm 99.
Speaker 1 (21:58):
Oh my gosh, that's hilarious.
Yeah, I would hire you to do mytaxes when you're anytime.
And I love on your website youhave so many free gifts on here,
so much information on here.
I was looking through here.
It's like dang, you have somuch information to help people
and you're just such aremarkable woman.
And I remember when we weretalking and you were saying I'm
(22:19):
in the world of the finance andthe world of the woo.
Then I was like, oh, wedefinitely have to talk and
everything is energy.
So that just makes sense, thatmoney is also energy.
Speaker 2 (22:31):
It just happens to be the energy we use to transfer
goods and services between eachother.
Speaker 1 (22:37):
Yeah, there you go, exactly.
So let's talk about the secondlevel of your pyramid
relationships.
Speaker 2 (22:42):
That to me one.
You know they always say you'rethe five people around you or
you are some of all of thosepeople, so you have to be really
careful who you spend time with, obviously, but it's also about
having the right resources,having the right.
I mean, I'm an expert in a lotof things not nearly as most
things, but I'm saying otherthings I know a lot about just
not as much as I do about money,but I'm not the answer for
(23:03):
everything.
So when a client needssomething, I want to have a
resource for them.
I want to have a resource whenI need somebody and build
relationships.
Plus, it's also about we have tohave people in our lives,
especially again, because Idon't know if everybody that's
listening is entrepreneurial orwhat, but it's a lonely road
really.
I mean, when it comes down toit, we're in business for
(23:25):
ourselves, but to it, we're inbusiness for ourselves, but it's
also very much by ourselves,and I'm a little bigger than a
lot of them.
I have a lot of employees not alot, I mean almost 10 sometimes
but I still can't go to themand run a lot of my ideas by
them.
To me, that's wealth to havegirls or men that you can call
hey, I'm having this problem,business, personal, whatever.
My kid is doing this, mybusiness is doing this.
(23:45):
That's wealth to know that youcould pick up multiple people to
help you right this secondversus like I'm stuck, I do not
know what to do, because I thinkthat feeling of not having
someone to talk to is probably alot more prevalent than you
would think on a lot of issuesfor a lot of people.
Speaker 1 (24:04):
And do you find that, especially when it comes to
finances and money, it'ssomething that people carry
shame around or they'reembarrassed about.
Speaker 2 (24:10):
I can't remember what he came in here for, but I had
a client that came in and ohyeah, it was a past divorce
situation and I was dealing withboth spouses.
And after he left he says he'slike I feel like you're giving
me counseling other than money.
I said, well, the problem ismoney impacts so many other
things.
People open up to me aboutstuff that is not really money
(24:31):
related.
So I kid around and say thatthe P in CPA sometimes stands
for psychiatrist.
Speaker 1 (24:38):
You need that little Lucy peanut sign on your door.
The doctor is in.
Speaker 2 (24:44):
Because it does impact everything Again.
It impacts the ability toeasily take care of your kids in
a divorce situation.
I mean it impacts where they'regoing to go to school.
It impacts how you guys aregoing to live.
I mean it impacts everything.
Speaker 1 (24:57):
Then spiritual wealth .
Speaker 2 (24:59):
What does that look like?
So spiritual wealth to me isthe feeling that most of the
time not all the time, most ofthe time you're doing the right
stuff with the right people.
Does that make sense, that youare on the path that you're
supposed to be on.
That, to me, is feeling purpose.
That sounds kind of reallysuper woo woo, but you're doing
(25:21):
the right thing, that this iswhere you're supposed to be.
It's kind of like I was actuallytalking to another friend, I
think someone that you probablyknow too, but I had a call with
her and I was much sicker than Iam.
I'm kind of getting over a callright now and she's like well,
you know, that usually meansyou're doing something, you're
spending time doing somethingyou shouldn't be doing, and I do
think that our body tells usthat a little bit when you're
(25:42):
not spending time on the rightstuff.
But our money also rewards usto do the right thing.
And I think that's when we'rein spiritual, when we have got
that spiritual wealth, when weare everything's kind of come
into place the way it's supposedto be.
Speaker 1 (25:56):
Oh, I love that In that alignment and I can feel
that and see that in yourpurpose right, we all feel a
sense of inner fulfillment thatwe know.
We feel this inner satisfactionand an inner fulfillment when
we know that we're making animpact, we're living our purpose
, we're doing what we love to doand then to be paid for it and
then to have a community aroundyou with it is doing the right
(26:17):
thing in that too.
Speaker 2 (26:18):
I mean because, like I mean I could get.
I could bang out the mechanicsof a tax return faster than
anybody in this office, probably.
But that's not where my time isbest spent.
Obviously, I'm still veryinvolved with all that.
But me keying it in, eventhough I'm better than anybody
else in the office, it's likeusing a diamond chisel to
engrave something instead ofjust a chisel.
(26:40):
You need to be where yourdiamond is, not where it
shouldn't be right.
Does that make sense?
Speaker 1 (26:46):
It does.
Where is your diamond thesedays?
Where is your diamond thesedays, Debra?
Speaker 2 (26:50):
Well, I will tell you I've got a couple of cool
things going on.
I actually have just recentlystarted a local in-person
community.
I'm calling it True Networking.
We had a wonderful, awesomeevent.
People loved it.
We're going to really integratesomething kind of different.
Since the pandemic has happened,there's just we've had a lot
less in-person events.
(27:11):
There's a lot of virtual stuffthat you can do, a lot of
conferences you can go to,there's just not a lot of let's
have a coffee, let's do a wineevent in the evening or whatever
, and so we've just gatheredsome people.
They loved it and we're goingto incorporate some social into
it as well, not just about let'sbuild our business, go to like
a Topgolf place or we've gotthis really cool speakeasy place
that people go to.
We're going to try to make thatpart of the group too, because,
(27:33):
again, being in business is avery lonely thing to do and it's
probably different now.
But when my children were verylittle 30, you know, a while ago
, we won't say how long ago Iwas like one of 10% of women
that were really working.
Now it's probably not as much,but I 100% applaud someone that
wants to stay at home with theirkids.
(27:53):
I was at every kid activitythat there was.
I feel like I had the best of,or only staying at home.
I applaud people if that's whatthey want to do, but I didn't
have anyone to do social stuffwith.
Most of the kids that my kidswere friends with, their parents
(28:16):
were stay-at-home moms, and soI feel like it's important for
us to build those not justbusiness but social
relationships away and so kindof embodying that really right
now, but then so many otherthings.
But that's just that.
I just had this big launch ofthat this week, so I'm pretty
happy about that.
Speaker 1 (28:31):
Congratulations.
I love that and I love the nameTrue Networking.
And where?
Where are you at?
Where are you located?
Speaker 2 (28:35):
I'm in Atlanta, the suburbs of Atlanta.
Okay, so anybody in Atlantawho's listening, can look you up
and maybe go to this eventExactly.
We'd love to have you.
We're actually going to do likea quarterly like business expo
kind of thing, like business,and I mean I'm not going to try
to do monthly lunches because Ijust don't have time for that,
but so we're going to do that.
But then I mean we are going toI do have a lot of friends
around the country like you, andso we will do some virtual
(28:57):
stuff as well, just some virtual.
But it's primarily an in-persongroup kind of serving folks,
folks that are just like I havenowhere to go.
Speaker 1 (29:06):
Well, and like you said, to be able to bounce ideas
off of people who are in thesame realm as you, or, and as
you know, you know, business isall about relationships.
You don't work and live in avacuum.
It's all about relationships,no matter what business.
Speaker 2 (29:20):
It's really funny how value you don't realize how
valuable those relationships are.
I was looking back over becauseit's, you know, the beginning
of the year.
Look at it.
Who's going to come back, who'snot going to come back?
I have some clients.
I've been in business.
This will be my 33rd year.
I have four clients from myoriginal first year and the
(29:40):
funny thing is they were theonly ones that I would call for
real clients because I had setup a retail kind of like sign
come do taxes or whatever incometax, and most of those people
were just apartment people thatlived around the shopping center
where I had my business.
The only four real businesses,real people not real people I
don't want to say it like that,but real, real tax returns that
were actually a little harder.
They are still with me 33 yearslater.
Speaker 1 (30:03):
It's so crazy that says a lot about you.
Speaker 2 (30:08):
Yeah, that says a lot about you.
Well, I'm hopefully.
I mean, I feel like I take avery what can be intimidating
and scary subject and break itdown to a very not warm, because
I don't know that the tax man'sever warm, but to a much more.
How do you eat an elephant?
One bite at a time, and I kindof break it down into bites that
are easier for clients to dealwith, I think.
Speaker 1 (30:31):
You are just such a wealth of information and so
knowledgeable.
Obviously you have so manyyears of experience and you're
not going anywhere.
You're expanding, you'reexploding with what you're doing
and your passion projects, andI'm going to put the links where
everybody can find you.
But why don't you share youhave an amazing freebie gift for
(30:53):
anybody listening and wherepeople can find you and also how
they can find your networkinggroup, Sure sure, sure?
Speaker 2 (30:59):
Well, truenetworkingcom is the website
that's coming up.
Now they are.
I do have it on Facebook as agroup, true Networking, I think.
I put a freebie atmoneyreimaginedcom, just written
out moneyreimaginedcom has, Ithink, currently 10 things you
could do before the end of theyear for taxes, but I'm always
putting new stuff in there, soonce you get that one, it
(31:20):
basically will update you withnew things that are going on On
all the socials DebraDanielCBA,so it's easy to find me there,
and, of course, alwayscharteraccountingcom.
I always pop up pretty easilybecause I'm I mean, I'm dating
myself, but I've had one.
I've had my website since theystarted having websites, so it's
been around for a while.
Speaker 1 (31:40):
When you somebody Googles accounting, you probably
come up first.
Well, deborah, I so appreciateyour time and for sharing your
wisdom and your knowledge, and Ithink we could even have a part
two to this conversation,because I have so many more deep
questions.
I want to ask you, but I don'twant to keep you Anytime,
anytime.
Speaker 2 (31:57):
I mean this is kind of.
I mean I'm kind of at a placein my career Obviously you don't
want to give all of your timeaway because if not I'll just
stay at home with my old dog,who's actually down here on the
floor.
But this is to me, this is alittle bit kind of my, a little
bit part of my.
Purpose is I really feel Idon't know, almost I have to
help people understand this alittle bit more.
(32:18):
The whole financial literacything is kind of a passion
project for me, because there'snot a mechanism in our
educational system.
They don't teach it in highschool.
I have a corporate financedegree.
I didn't learn about personalfinance in college.
We're just not taught thethings that we need to.
And if we started out younger,like you said, if somebody would
have told me when I was 22 thatputting $300, $600 away, I'd be
(32:40):
a millionaire by the time I was50, I would have done it.
Nobody is telling people thisstuff, and so I feel like that's
kind of where a lot of my timeis going to start, skewing to
more to that making everybodyhave the tools they need to be
able to succeed.
Speaker 1 (32:57):
And I love that.
And you know, I'm 53, I'll be54 in May and this is the first
year that I discovered that themoney I have investing it in
other areas is making money.
So I'm living off of theprofits of my investments and
not even touching any of myactual money and I'm like why
not know that this is a thing?
How do I not?
Why did I not know that youcould do this and and still have
(33:19):
your nest egg and be living offof the profit that you're
making from your investments?
So I just applaud you, I thankyou.
This is very important workthat you're making from your
investments.
So I just applaud you, I thankyou.
This is very important workthat you're doing and this is
such an area of neglect, shame,fear, I mean.
It's just so many things.
So I'm so happy that you're inthe world doing this.
Speaker 2 (33:37):
Awesome.
Glad to share it.
I'm glad to especiallyhopefully gave a few nuggets
that are worthwhile to everybodyout there.
Speaker 1 (33:44):
You definitely did, and I'm going to put a date on
my calendar to have a date withmy money and I'm going to start
seeing what happens just fromstarting that process.
So thank you for that.
Yeah, beautiful Thanks, debra.
Have a wonderful day.
Speaker 3 (33:56):
Thank you for listening to we Woke Up Like
this.
Your likes, comments, sharesand subscribes help this content
reach new listeners, and I soappreciate you.
And remember, Luminous One,that your radiant and magnetic
presence changes the world.
Debra, daniel, thank you so much for joining me on.
We Woke Up Like this today andI'm so excited to talk to you
because, well, can I just callyou the money?
Goddess Take that, I'll takethat.
So we're talking aboutliberation, embodiment, freedom,
what it means to fully stepinto who you are and show up and
make the impact you want tomake in the world, and I know
(00:27):
that this is something reallynear and dear to your heart.
So let's dive in.
And what is liberation andfreedom and all those good
things mean to you?
Oh, gosh.
Speaker 2 (00:37):
It means really living the life that you want to
live, doing the things thatyou're supposed to do.
I mean, I've kind of embodiedthat whole thought into
something I call the wealthpyramid, basically Money being
the base we got to have money.
Life isn't about money, but thereality is everything important
is impacted by money.
So let's start out, get thatpart strong.
I think there's another levelof wealth relationships having
(01:00):
the right people in your life,who you surround yourself with,
having the right resources.
Personally, I think, surroundyourself with having the right
resources.
Personally, I think a fulfilledlife is not going to be, you're
not going to have it, if you'renot a lifetime learner, if
you're not constantly buildingyour knowledge.
Wealth, whatever that means toyou, and then at the very
pinnacle to me, is what I callspiritual wealth, and I'm not
talking God or source orwhatever people believe from a
(01:22):
religious standpoint, but from aspiritual purpose.
Freedom this is where I'msupposed knowing where you're
supposed to be, and if you getall that in order, to me that's
freedom.
Speaker 1 (01:32):
That's completely freedom.
Oh my gosh, that's.
That is an amazing pyramid.
Let's start at the bottom.
Let's start at that basefoundation of financial wealth
and for so many people, myselfincluded, overcoming money
blocks was such a big issue, isa big issue.
Where do money blocks come from?
Speaker 2 (01:50):
You know it's so crazy.
I mean I'm a money person, anumbers person, a really kind of
almost scientific how does thisall work, kind of thing.
But I also am very much awoo-woo kind of person too and I
do think there's an energy toit.
I think some of this moneystuff is actually kind of
genetically passed down to us alittle bit.
We come into this world with alittle bit of our attitudes
(02:12):
towards money based on ourancestors a little bit, and we
know for a fact scientificallythat our money attitudes are
very much formed in the firstseven years of our life,
something that we heard.
The environment around usshapes us for our whole life.
I mean that's kind of a lot ofreasons why people that win the
lottery never, I mean, they'rebroke very soon after that
(02:36):
because they don't have thisconnection between having earned
it or where their money storyreally was and all of a sudden
they have this windfall.
They don't know how to reallyprocess that.
So the blocks really, I thinkcome from internally and
externally.
I mean I remember growing up.
You know rich people do this,or da da da.
You know there's so manystories out there, even the
(02:58):
Bible.
You know money is the root ofall evil.
That's actually a huge misquotefrom the Bible.
It's the love of money is theroot of all evil.
So I think we have a lot ofmessaging that is really kind of
bad.
And I don't think that thecurrent, you know, mainstream
makes it any better, because itkind of pit the money levels
against each other, which Idon't think really is the right
(03:20):
way to go.
I mean, there's an it's not forme to win, you have to lose,
right?
It's not like I really feellike that as we all grow,
everybody does better, right?
And I think that's where we'vegot to get to that attitude that
for me to have money, somebodyelse has to give it up.
And I think that's where a lotof the blocks come from.
Speaker 1 (03:38):
Yeah, like there's a finite amount of something and
these people have it and I don'tand I never will and I never
can, because there's not enoughto go around.
Popular story.
Speaker 2 (03:47):
Exactly.
Well, I mean, honestly I'm kindof I've got a lot of weird
Deborah-isms, but to me, youknow, the currency is, when I
think of money, it's supposed toflow.
Right, even our forefatherscalled the highest.
You know, level of the money.
People in government are thecomptroller of the currency and
people are like what does thatmean?
You know level of the money.
People in government are thecontroller of the currency and
people are like what does thatmean?
Because it's supposed to flow.
I remember the last speakingengagement I had before the
(04:09):
pandemic was to a bunch ofsocial entrepreneurs and we were
talking about the impact ofentrepreneurship and I just back
of the envelope, just said,okay, over 30, at that time it
had been about 28, 29, 30 yearsor whatever oh, maybe 50
employees.
And I just calculated in.
You know, roughly probably I'dspent $4 million over that
amount of time on payroll forpeople.
(04:31):
Well, that $4 million went outinto the community for somebody
to pay for their daughter'sdance lessons, for them to pay
for their mortgage, for them togo to the dentist.
I mean, it's all circlingaround.
The money I gave them went toother people to spend.
If we've got that flow going,that's really what we can't have
stop is people hoarding it orfor whatever reason, feeling
like I have to hold on to it andI don't know to me.
(04:53):
Sometimes people are so scaredto spend money they're holding
onto it so tight their moneycan't come into it.
Right, you've got to reallyhave the right attitude about it
.
But I don't think it'sintuitive and I don't think it's
really messaged by themainstream for us to feel that
way about it.
Speaker 1 (05:09):
It's not intuitive.
Say more about that.
That's interesting.
Speaker 2 (05:13):
Well, because again, I remember being a little kid,
my parents talking about money.
I mean, I've always beensomeone that was incented by
reward.
I mean and some people are notmy grandparents used to give me
a dollar every of course it wasa long time ago a dollar every
time I made an A.
I very quickly was incented bythat, but I don't know that that
(05:34):
was intuitive to me.
My grandparents had grown up inthe Depression.
We came from a little bit asense of lack a little bit.
Anybody who's been, anybodywho's ever been connected to
anyone that lived through thedepression, obviously it comes
down to you.
You hear those stories like mygrandparents didn't borrow money
for anything.
You know that was just likekind of taboo a little bit.
(05:55):
And so learning to go past thatlike I have to have every
little save so much, I think isreally something we all have to
struggle with a little bit.
Speaker 1 (06:03):
So interesting that it's so conditioned.
And my money story was superhard to get over because, like
all the money coaches I workedwith and people I talked to
about it, and I would say mymoney block is that I really
believe you don't need money tobe happy.
And so they're like I don'tknow how to work with that one,
I don't know.
But then what I've come torectify is that you know,
(06:26):
because I am happy, and I am ahappy person and a joyful person
that I use my money in joyfuland positive ways, because I
really saw that it's just, it'sneutral, right, it's neutral.
It has no meaning except forwhat you assign to it.
Speaker 2 (06:38):
Exactly, but to your point, you cannot pour from an
empty cup.
So I think it's our moralobligation almost to earn as
much as we possibly can, so thatwe have as much as we possibly
can to give.
Now, reality check, it's verydifferent from a male
perspective versus a femaleperspective.
I mean, I do taxes for people,so I'm dealing mostly with
(07:01):
couples, a lot with couples, alot with men.
But when women prosper, theirwhole community prospers.
They just tend to do that.
When men prosper, they tend tokeep it a little closer to home.
Yes, their family, their tribe,you know, very, very tight.
I mean, for some reason, womenhave a little bit more expansive
(07:23):
sense of spreading the wealth.
It's just.
I mean I've seen example of itover example of it.
Speaker 1 (07:28):
Yeah, and I totally agree with that and you know my
audience and the women that Iwork with are the way showers,
the light workers, the peoplewho are in this, you know, have
a real heart and compassion forhelping and healing humanity.
And what comes with that do youthink so much guilt about
charging for their services?
Speaker 2 (07:46):
Oh my gosh, I know I've said that before.
I mean because you know I'veled several communities of women
and one thing that I've runinto a lot is oh, I just want to
serve, I don't really need tocharge, or you know, I feel
funny charging or whatever.
But the reality is you can'tserve anyone if you can't keep
your lights on.
So again it's you can't pourfrom an empty cup.
(08:07):
You know you can't saveyourself on an airplane if
you're not breathing.
You have to take care ofyourself first, financially,
before you can help others.
The fact that you give freeservices to 10 people or low
cost services to 10 people isway less impactful than charging
what you should and being ableto help a thousand people in
your community.
Speaker 1 (08:25):
And then you have the funds to contribute to your
favorite nonprofits or to helpyour anybody who's in need that
you happen to come upon thatyour heart feels like a home,
your own foundation, which is soI mean.
Speaker 2 (08:35):
So so many of my clients are at that point in
their.
I mean, I've just kind of grown33 years in.
A lot of us are getting older.
Yeah, unfortunately, actually,fortunately, we're starting to
think a little bit more aboutlegacy, we're starting to think
a little bit more about passingit on, and it's really not that
hard to set up your own personalfoundation, and there's a lot
of financial benefits to it aswell, because you can deduct
(08:57):
things now and have an impactbeyond even your life.
Speaker 1 (09:01):
Do you have to be a millionaire to set up a
foundation?
I?
Speaker 2 (09:03):
don't.
It's a lot less expensive and alot less cumbersome to do than
you would think.
We're even looking at doingsome of these things now.
A scholarship at my kid's oldschool, you know the Daniel
Family Foundation.
That sounds really cool to me,that's a legacy right.
Speaker 1 (09:19):
That's a legacy right there.
Speaker 2 (09:21):
Yeah, because, you think about it, we only have.
I mean, I personally am on the100-year plan.
I'm hoping I'm going to be herea little bit longer than I am
right now, but beyond that,what's left behind?
I mean I want it somehow to beremembered.
Speaker 1 (09:53):
Yeah, when it's like your children and then your
grandchildren, and then yourgreat-grandchildren and your
great-great-grandchildren, it'slike, oh wow, I get to do this
because my great-great, greatgrandmother was quite the
impactful woman, she was asmarty and quite the impactful
woman in her time.
Speaker 2 (09:57):
If money is neutral and money is a reflection of the
person who has it, okay, well,it is neutral, but I think it
has an energy like anything else, and so, again, there's a
difference, and I just thinkwomen in general are not like
this.
You can tell the energy of ascroogey kind of person versus
the energy of a person like me.
You would not ever expectsomeone with my attitude,
personality, whatever, to be aScrooge, and so I think the
money follows the personality ofthe person that has it, and
(10:20):
money has an energy.
Speaker 1 (10:21):
Can you just and I've heard somebody else say this
too.
So I have a friend whodescribed well, she is a money
magnet, she is just everything,she does everything.
She's like queen Midas and shesays money has an energy and she
is in vibrational resonancewith the frequency of money.
So can you explain that?
Because she certainly could not.
Speaker 2 (10:41):
Well, I do think it has an energy and this is how
I'll explain it.
I tell my clients I don't likebarter, I love to do business
with other people that I know.
But like if I have a landscaperdoing my lawn and I'm doing his
bookkeeping, even if we chargeexactly the same amount, we need
to actually physically exchange.
Well, now, nobody who exchangeschecks anymore, but we need to.
(11:03):
He needs to send money to myaccount and I need to send money
to his account or her accountor whatever, because if not,
it's almost like an openelectrical circuit.
It's like the contract theemotional contract hasn't been
completed because the passing ofthe money hasn't happened.
That's where I see that moneyhas energy.
It's gotta like close the gap.
It's like if you didn't haveall the wires connected in your
(11:26):
house, there'd be no power.
When you don't close that gap,there's no.
That energy is something'swrong with it in the money.
Does that make sense?
Speaker 1 (11:33):
It does.
So this is like we're inrelationship with everything in
our life, and money is a massiverelationship that's in our life
that so many people don't lookat, they neglect it, they just
don't want to deal with it.
How do we heal thatrelationship if we have a
painful relationship with ourmoney?
Speaker 2 (11:52):
Well, I think, just like anything else, the more
where you put your attention,things are going to grow, and so
you almost have to forceyourself.
Just like I don't like to go tothe gym and work out.
But every time I pass by it I'mlike, oh hi, gym.
But the thing is, then youstart going to the gym workout.
But every time I pass by it I'mlike, oh hi, jim.
But the thing is, then youstart going to the gym.
Then you're like, okay, wow,I'm getting into this, I'm going
to get a personal trainer.
(12:12):
Okay, wow, I got to go to thegym because she's expecting me
to be there.
Because then you start havingthis you have a money date once
a week and you look at what youspent your money on.
Then you say, be like,expecting you to be there, just
like you're, you know, mytrainer's expecting me to be at
the gym.
I think that that you reallyhave to face it.
We've been talking to our kidsabout money since they were very
little.
I remember someone stopped mein the grocery store Gosh, I
(12:35):
think it was my son, he wasmaybe two or three years old and
a guy stopped me in the grocerystore and he's like you are
talking to your child like he isan adult.
I'm like the thing is, if wetalk to them like babies,
they're going to act like babies, and we were talking about why
something was more expensivethan something else, and so
we've always given them a senseof value.
This is what it costs, this iswhat you get, and always trying
(12:58):
to strive for understanding thatand not expecting a windfall
from somewhere that you didn'twork for it or whatever.
Speaker 1 (13:07):
You just hit on something so important and you
talked about it in the beginningabout, like, even if you did
have that windfall and you're ina dysfunctional relationship
with your finances, then you'regoing to chase it away.
Speaker 2 (13:14):
I definitely think there are people that repel it
Because you're like it's justwoman's business is so amazing.
Why is she struggling all thetime financially?
And 100% of the time it'ssomething to do with her ability
to have a good relationshipwith money.
Because the reality is, if youdon't have a good relationship
with money, you're not going toask for the sale, you're not
going to ask for it confidently.
You're going to end up like, ohwell, no, not $3,000.
(13:37):
I mean only $1,000.
Oh wait, I'll just do it for$50,000.
A connection I think a lot ofpeople do have.
That I definitely think themore money you have in the bank,
the more comfort, more security, the more sense of freedom that
(13:57):
you have.
So that has to have a residualimpact on your own self-worth a
little bit, because you're notworried about your lights being
turned off or being kicked outor whatever.
But I think too, as long as youlink it to you, understand that
it's not the physical, likeMidas bar.
You know, it's not that I havea bunch of it built up, it's the
(14:18):
things that I can do with it.
I think that's okay and thatdoes very much impact your
self-worth and your self.
You know, feeling of self.
Speaker 1 (14:26):
For people in the healing modality like these I
don't know, for lack of a betterword softer businesses.
I just dropped it.
It's a softer way of doingbusiness.
How do you tell your women thatyou work with and you coach if
they're not charging whatthey're worth?
You work with and you coach.
(14:46):
If they're not charging whatthey're worth, how do they
determine what they're worth?
And then how do they have thecourage or what in them needs to
ask for the sale and chargewhat they're worth?
How can someone go about doingthat?
Speaker 2 (14:54):
So so hard to me.
I mean, got all the MBA andfinance, blah, blah, blah.
They would tell you okay tocheck what your competitors are
doing and charge based on that.
Honestly, especially in thesofter things, you're selling
something kind of totally uniqueand most of the time you're
coaching your modality, yoursystem.
How do you compare that tosomething else?
So you have to kind of getaround that.
(15:15):
But I will tell you one thing,joya, that's really super, super
important If you've never paidsomeone $20,000, you're never
going to get pay me $20,000coming out of your mouth.
You can't do it.
It's just, it's almostimpossible.
If you have not paid more orthe same as you were asking
someone to pay you, you willhave a really hard time asking
(15:38):
someone else to pay you that.
Speaker 1 (15:39):
Oh, I love that because you can see when you
invest in a coach and the moreyou invest in that coach, the
more you're personally investedin getting and learning and
listening and taking and doingeverything that that coach tells
you to do.
Well, because the thing isreally.
Speaker 2 (15:52):
if somebody says to me okay, deborah, this program
is going to be $20,000.
And I balk at that and I can'tget myself to write a check for
$20,000.
How are you going to haveenergetically going to be able
to ask somebody else to give you$20,000?
Love that.
Speaker 1 (16:07):
So making your money for a date, let's go.
I love this idea and I'mthinking of, like lighting some
candles and getting some flowersand spreading some money on the
table.
How do you guide people to havea date with money?
What does this look like?
Speaker 2 (16:27):
Something I did recently was actually have
someone write almost like a loveletter to their money, and at
first it was kind of like whatyou would expect.
I love that you can buy me thethings that I want to blah, blah
, blah, blah, blah.
But then I said, okay, let'stry this again.
And the second pass was reallymore about the feeling of
security, the feeling of freedom, the feeling of you know, I
mean, I'm certainly no WarrenBuffett, but it is nice to not
(16:50):
have to worry, like back when Iwas in college and four of my
tires need to be replaced and Ijust got out of college.
I mean it was literally likedevastating for me.
It was like one month's salaryto have to get some new tires.
It's been a long time since I'vehad to worry about the car
repair.
They're like, okay, what's thecar repair?
I gotta pay for it, whatever.
That is a nice way to live.
(17:10):
That I mean short of my houseburning down.
I mean it's, it's not gonna bedevastating today, right, that
just takes.
That makes you be able todecide what you're gonna spend
your time on, decide what youwant to do, because you're not
like, oh my gosh, I better becareful in case something
happens, and so you've got toreally give money its props.
Thank you, money that you giveme this ability to be able to
(17:32):
really go out and do whatever Iwant to all day.
Speaker 1 (17:34):
Thank you, money that you give me the ability to buy
a plane ticket and fly somewherein the world that I want to go
see.
Yeah.
Speaker 2 (17:40):
Exactly.
Speaker 1 (17:42):
It would take me a long time to row there in my
boat.
So it would take me a long timeto row there in my boat.
Speaker 2 (17:45):
So I'm very grateful that I have the money to be able
to do it.
You know there is a lot ofenergetic stuff to it, but the
thing is there also is a lot ofmechanical stuff that I think
people skip the steps on.
They want it to be right away.
They don't realize that smallamounts over a long period of
time make a huge difference.
It's not like when I get some,I'll do this.
(18:06):
When I do this, it's literally.
I have a client who startedputting into two little mutual
funds $300 a month back in the90s or whatever.
I think it was late 90s.
$600, that's a car payment.
I don't know, we usually payfor our cars in cash, but I mean
a car payment.
Probably a little bit less fora car payment now, but they have
(18:26):
been doing that.
$600, $600, $600, $600.
Stock market up, stock marketdown, stock market up, it
doesn't matter.
$600 per month.
For now, almost 30 years, thataccount is over a million
dollars.
Speaker 1 (18:38):
I mean I could spend $600 eating out in a month and
going out with friends Exactly,Especially eating out in a month
and going out with friendsExactly.
Speaker 2 (18:44):
Especially if you get into Starbucks every day.
That's probably $300 rightthere.
Speaker 1 (18:52):
For sure it really is .
It's such a reframe because Ithink that there's also a lack
of a concept of just the valueof money, that people don't
realize that, putting away thatlittle amount, the attitude is
like, oh well, what does thatmatter, what difference does
that make?
I need a million dollars.
I need millions of dollars tobe able to do the things that I
want to do, and that's actuallynot true.
Speaker 2 (19:10):
It's really not, because really time is your
friend when it comes to this,because you've got some kind of
return.
Even interest in the bank is alittle bit better than it used
to be, but it's really the timevalue of money and compound it,
especially like we already have.
Our kids are only in theirtwenties and they already have
(19:31):
Roth IRA accounts.
As soon as they started makingmoney, we were funding them,
putting it in there.
They'll be millionaires forsure Just probably in their
forties with with those accounts, never having done anything
themselves.
Because you can't wait untilthere's a good time, you have to
just go ahead and start doingit.
Speaker 1 (19:44):
Yeah, I told my daughter she's 22.
We opened up an account and Isaid just put $50.
She works in Starbucks, she's astudent, she's going to school
and I said put $50 a month inthere, no matter what.
Just put 50 bucks, 50 bucks, 50bucks, and when you can have a
little bit more, put that inthere.
So she started doing that.
I'm like, oh, I wish I wouldhave known to do that when I was
younger and I always had thisattitude around money, of what
(20:06):
it could buy me.
So as soon as I had money, itwas being spit instantly on crap
.
I thought I wanted.
Speaker 2 (20:13):
I think we have a really in our society warped
sense of want versus needs alittle bit too Delayed
gratification is not part of ourcurrent psyche, yeah, and I
think that that's where thespiritual coaching comes in, the
spiritual aspect of it.
Speaker 1 (20:29):
And actually it's funny because I posted on
Instagram yesterday a meme and Ithink I wrote something along
the lines of people who don'tknow what they need want what
they want right now.
It's like they can't wait, theygot to have it now.
Speaker 2 (20:43):
Exactly.
Well, I was on a radio show theother day actually talking
about they asked me to speak tothe subject that there's now
some millennials are turninginto 401k millionaires or
whatever, and so they've alreadyaccumulated that much in their
retirement account.
But the reality is, to me,freedom of money isn't about a
number like what number do Ineed to get to to retire or what
(21:05):
number do I need to have enough.
It really is back to thatcurrency and the flow.
If you've got your money set upwhere it's kicking off returns
to you, you can have a muchsmaller nest egg versus someone
that has to have a lump, and Ithink people don't think in that
terms of how not only am Isaving it or what am I doing
with it, but what is it going tocreate for me down the way?
(21:28):
Is it buying another business?
Is it buying a rental property,is it having an Airbnb or
something else other than justdepending on what your main gig
is, right, I mean, I personallythink being an entrepreneur,
owning your own business, is thenumber one way to create that
flow.
I don't know that I'll everretire.
I'll always do something youknow either business coaching
(21:49):
for women, money coaching,financial stuff.
Maybe you can even do taxes onthe side when I'm 99.
Speaker 1 (21:58):
Oh my gosh, that's hilarious.
Yeah, I would hire you to do mytaxes when you're anytime.
And I love on your website youhave so many free gifts on here,
so much information on here.
I was looking through here.
It's like dang, you have somuch information to help people
and you're just such aremarkable woman.
And I remember when we weretalking and you were saying I'm
(22:19):
in the world of the finance andthe world of the woo.
Then I was like, oh, wedefinitely have to talk and
everything is energy.
So that just makes sense, thatmoney is also energy.
Speaker 2 (22:31):
It just happens to be the energy we use to transfer
goods and services between eachother.
Speaker 1 (22:37):
Yeah, there you go, exactly.
So let's talk about the secondlevel of your pyramid
relationships.
Speaker 2 (22:42):
That to me one.
You know they always say you'rethe five people around you or
you are some of all of thosepeople, so you have to be really
careful who you spend time with, obviously, but it's also about
having the right resources,having the right.
I mean, I'm an expert in a lotof things not nearly as most
things, but I'm saying otherthings I know a lot about just
not as much as I do about money,but I'm not the answer for
(23:03):
everything.
So when a client needssomething, I want to have a
resource for them.
I want to have a resource whenI need somebody and build
relationships.
Plus, it's also about we have tohave people in our lives,
especially again, because Idon't know if everybody that's
listening is entrepreneurial orwhat, but it's a lonely road
really.
I mean, when it comes down toit, we're in business for
(23:25):
ourselves, but to it, we're inbusiness for ourselves, but it's
also very much by ourselves,and I'm a little bigger than a
lot of them.
I have a lot of employees not alot, I mean almost 10 sometimes
but I still can't go to themand run a lot of my ideas by
them.
To me, that's wealth to havegirls or men that you can call
hey, I'm having this problem,business, personal, whatever.
My kid is doing this, mybusiness is doing this.
(23:45):
That's wealth to know that youcould pick up multiple people to
help you right this secondversus like I'm stuck, I do not
know what to do, because I thinkthat feeling of not having
someone to talk to is probably alot more prevalent than you
would think on a lot of issuesfor a lot of people.
Speaker 1 (24:04):
And do you find that, especially when it comes to
finances and money, it'ssomething that people carry
shame around or they'reembarrassed about.
Speaker 2 (24:10):
I can't remember what he came in here for, but I had
a client that came in and ohyeah, it was a past divorce
situation and I was dealing withboth spouses.
And after he left he says he'slike I feel like you're giving
me counseling other than money.
I said, well, the problem ismoney impacts so many other
things.
People open up to me aboutstuff that is not really money
(24:31):
related.
So I kid around and say thatthe P in CPA sometimes stands
for psychiatrist.
Speaker 1 (24:38):
You need that little Lucy peanut sign on your door.
The doctor is in.
Speaker 2 (24:44):
Because it does impact everything Again.
It impacts the ability toeasily take care of your kids in
a divorce situation.
I mean it impacts where they'regoing to go to school.
It impacts how you guys aregoing to live.
I mean it impacts everything.
Speaker 1 (24:57):
Then spiritual wealth .
Speaker 2 (24:59):
What does that look like?
So spiritual wealth to me isthe feeling that most of the
time not all the time, most ofthe time you're doing the right
stuff with the right people.
Does that make sense, that youare on the path that you're
supposed to be on.
That, to me, is feeling purpose.
That sounds kind of reallysuper woo woo, but you're doing
(25:21):
the right thing, that this iswhere you're supposed to be.
It's kind of like I was actuallytalking to another friend, I
think someone that you probablyknow too, but I had a call with
her and I was much sicker than Iam.
I'm kind of getting over a callright now and she's like well,
you know, that usually meansyou're doing something, you're
spending time doing somethingyou shouldn't be doing, and I do
think that our body tells usthat a little bit when you're
(25:42):
not spending time on the rightstuff.
But our money also rewards usto do the right thing.
And I think that's when we'rein spiritual, when we have got
that spiritual wealth, when weare everything's kind of come
into place the way it's supposedto be.
Speaker 1 (25:56):
Oh, I love that In that alignment and I can feel
that and see that in yourpurpose right, we all feel a
sense of inner fulfillment thatwe know.
We feel this inner satisfactionand an inner fulfillment when
we know that we're making animpact, we're living our purpose
, we're doing what we love to doand then to be paid for it and
then to have a community aroundyou with it is doing the right
(26:17):
thing in that too.
Speaker 2 (26:18):
I mean because, like I mean I could get.
I could bang out the mechanicsof a tax return faster than
anybody in this office, probably.
But that's not where my time isbest spent.
Obviously, I'm still veryinvolved with all that.
But me keying it in, eventhough I'm better than anybody
else in the office, it's likeusing a diamond chisel to
engrave something instead ofjust a chisel.
(26:40):
You need to be where yourdiamond is, not where it
shouldn't be right.
Does that make sense?
Speaker 1 (26:46):
It does.
Where is your diamond thesedays?
Where is your diamond thesedays, Debra?
Speaker 2 (26:50):
Well, I will tell you I've got a couple of cool
things going on.
I actually have just recentlystarted a local in-person
community.
I'm calling it True Networking.
We had a wonderful, awesomeevent.
People loved it.
We're going to really integratesomething kind of different.
Since the pandemic has happened,there's just we've had a lot
less in-person events.
(27:11):
There's a lot of virtual stuffthat you can do, a lot of
conferences you can go to,there's just not a lot of let's
have a coffee, let's do a wineevent in the evening or whatever
, and so we've just gatheredsome people.
They loved it and we're goingto incorporate some social into
it as well, not just about let'sbuild our business, go to like
a Topgolf place or we've gotthis really cool speakeasy place
that people go to.
We're going to try to make thatpart of the group too, because,
(27:33):
again, being in business is avery lonely thing to do and it's
probably different now.
But when my children were verylittle 30, you know, a while ago
, we won't say how long ago Iwas like one of 10% of women
that were really working.
Now it's probably not as much,but I 100% applaud someone that
wants to stay at home with theirkids.
(27:53):
I was at every kid activitythat there was.
I feel like I had the best of,or only staying at home.
I applaud people if that's whatthey want to do, but I didn't
have anyone to do social stuffwith.
Most of the kids that my kidswere friends with, their parents
(28:16):
were stay-at-home moms, and soI feel like it's important for
us to build those not justbusiness but social
relationships away and so kindof embodying that really right
now, but then so many otherthings.
But that's just that.
I just had this big launch ofthat this week, so I'm pretty
happy about that.
Speaker 1 (28:31):
Congratulations.
I love that and I love the nameTrue Networking.
And where?
Where are you at?
Where are you located?
Speaker 2 (28:35):
I'm in Atlanta, the suburbs of Atlanta.
Okay, so anybody in Atlantawho's listening, can look you up
and maybe go to this eventExactly.
We'd love to have you.
We're actually going to do likea quarterly like business expo
kind of thing, like business,and I mean I'm not going to try
to do monthly lunches because Ijust don't have time for that,
but so we're going to do that.
But then I mean we are going toI do have a lot of friends
around the country like you, andso we will do some virtual
(28:57):
stuff as well, just some virtual.
But it's primarily an in-persongroup kind of serving folks,
folks that are just like I havenowhere to go.
Speaker 1 (29:06):
Well, and like you said, to be able to bounce ideas
off of people who are in thesame realm as you, or, and as
you know, you know, business isall about relationships.
You don't work and live in avacuum.
It's all about relationships,no matter what business.
Speaker 2 (29:20):
It's really funny how value you don't realize how
valuable those relationships are.
I was looking back over becauseit's, you know, the beginning
of the year.
Look at it.
Who's going to come back, who'snot going to come back?
I have some clients.
I've been in business.
This will be my 33rd year.
I have four clients from myoriginal first year and the
(29:40):
funny thing is they were theonly ones that I would call for
real clients because I had setup a retail kind of like sign
come do taxes or whatever incometax, and most of those people
were just apartment people thatlived around the shopping center
where I had my business.
The only four real businesses,real people not real people I
don't want to say it like that,but real, real tax returns that
were actually a little harder.
They are still with me 33 yearslater.
Speaker 1 (30:03):
It's so crazy that says a lot about you.
Speaker 2 (30:08):
Yeah, that says a lot about you.
Well, I'm hopefully.
I mean, I feel like I take avery what can be intimidating
and scary subject and break itdown to a very not warm, because
I don't know that the tax man'sever warm, but to a much more.
How do you eat an elephant?
One bite at a time, and I kindof break it down into bites that
are easier for clients to dealwith, I think.
Speaker 1 (30:31):
You are just such a wealth of information and so
knowledgeable.
Obviously you have so manyyears of experience and you're
not going anywhere.
You're expanding, you'reexploding with what you're doing
and your passion projects, andI'm going to put the links where
everybody can find you.
But why don't you share youhave an amazing freebie gift for
(30:53):
anybody listening and wherepeople can find you and also how
they can find your networkinggroup, Sure sure, sure?
Speaker 2 (30:59):
Well, truenetworkingcom is the website
that's coming up.
Now they are.
I do have it on Facebook as agroup, true Networking, I think.
I put a freebie atmoneyreimaginedcom, just written
out moneyreimaginedcom has, Ithink, currently 10 things you
could do before the end of theyear for taxes, but I'm always
putting new stuff in there, soonce you get that one, it
(31:20):
basically will update you withnew things that are going on On
all the socials DebraDanielCBA,so it's easy to find me there,
and, of course, alwayscharteraccountingcom.
I always pop up pretty easilybecause I'm I mean, I'm dating
myself, but I've had one.
I've had my website since theystarted having websites, so it's
been around for a while.
Speaker 1 (31:40):
When you somebody Googles accounting, you probably
come up first.
Well, deborah, I so appreciateyour time and for sharing your
wisdom and your knowledge, and Ithink we could even have a part
two to this conversation,because I have so many more deep
questions.
I want to ask you, but I don'twant to keep you Anytime,
anytime.
Speaker 2 (31:57):
I mean this is kind of.
I mean I'm kind of at a placein my career Obviously you don't
want to give all of your timeaway because if not I'll just
stay at home with my old dog,who's actually down here on the
floor.
But this is to me, this is alittle bit kind of my, a little
bit part of my.
Purpose is I really feel Idon't know, almost I have to
help people understand this alittle bit more.
(32:18):
The whole financial literacything is kind of a passion
project for me, because there'snot a mechanism in our
educational system.
They don't teach it in highschool.
I have a corporate financedegree.
I didn't learn about personalfinance in college.
We're just not taught thethings that we need to.
And if we started out younger,like you said, if somebody would
have told me when I was 22 thatputting $300, $600 away, I'd be
(32:40):
a millionaire by the time I was50, I would have done it.
Nobody is telling people thisstuff, and so I feel like that's
kind of where a lot of my timeis going to start, skewing to
more to that making everybodyhave the tools they need to be
able to succeed.
Speaker 1 (32:57):
And I love that.
And you know, I'm 53, I'll be54 in May and this is the first
year that I discovered that themoney I have investing it in
other areas is making money.
So I'm living off of theprofits of my investments and
not even touching any of myactual money and I'm like why
not know that this is a thing?
How do I not?
Why did I not know that youcould do this and and still have
(33:19):
your nest egg and be living offof the profit that you're
making from your investments?
So I just applaud you, I thankyou.
This is very important workthat you're making from your
investments.
So I just applaud you, I thankyou.
This is very important workthat you're doing and this is
such an area of neglect, shame,fear, I mean.
It's just so many things.
So I'm so happy that you're inthe world doing this.
Speaker 2 (33:37):
Awesome.
Glad to share it.
I'm glad to especiallyhopefully gave a few nuggets
that are worthwhile to everybodyout there.
Speaker 1 (33:44):
You definitely did, and I'm going to put a date on
my calendar to have a date withmy money and I'm going to start
seeing what happens just fromstarting that process.
So thank you for that.
Yeah, beautiful Thanks, debra.
Have a wonderful day.
Speaker 3 (33:56):
Thank you for listening to we Woke Up Like
this.
Your likes, comments, sharesand subscribes help this content
reach new listeners, and I soappreciate you.
And remember, Luminous One,that your radiant and magnetic
presence changes the world.
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