December 3, 2024 • 48 mins
Angela Moore, a certified financial planner and coach, joins Shelley Johnson and Kathy Ticaro to empower women in their financial journeys. The episode highlights the importance of understanding personal finance, overcoming common financial challenges, and reframing the way we think about money. Angela shares her insights on how many women struggle with compulsive spending and the shame associated with financial management, emphasizing that it's crucial to change this narrative. Through relatable anecdotes, she illustrates the need for women to set clear financial goals, create budgets, and seek supportive financial advisors who resonate with their experiences. This conversation gives listeners actionable steps to achieve financial security and independence by fostering a mindset shift towards positive financial habits. Listen to Angela's insight to get you on the winning side of the money game in this episode of Women Road Warriors.
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Episode Transcript
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(00:02):
This is Women Road warriorswith Shelley Johnson and Kathy Ticaro.
From the corporate office tothe cab of a truck, they're here
to inspire and empower womenin all professions.
So gear down, sit back and enjoy.
(00:23):
Welcome.
We're an award winning showdedicated to empowering women in
every profession throughinspiring stories and expert insights.
No topics off limits on ourshow, we power women on the road
to success with expert andcelebrity interviews and information
you need.
I'm Shelley and this is Kathy.
(00:44):
All too often people live withmore months than money.
It's a day to day game thatwe're not taught how to win.
Women especially are vulnerable.
According to census.gov 50% ofwomen from 55 to 66 have no personal
retirement savings compared to47% of men.
Angela Moore is a certifiedfinancial planner who's disrupting
(01:07):
the financial game.
She's a master planner andrebel financial coach and the founder
and CEO of Modern Money Education.
Angela has a master's degreein financial planning.
Her organization offerspersonalized finance courses for
women.
Angela was honored by BusinessInsider as one of the top financial
advisors for millennials in 2020.
(01:27):
Angela says she brings streetsmart, no nonsense insights on behavioral
money habits that work.
We wanted to know more becausemoney seems to be something we all
talk about but we don'ttotally understand.
So we invited Angela on the show.
Welcome, Angela.
Thank you for being with us.
Thank you for having me.
So, Angela, this is such ahuge topic.
(01:50):
What inspired you to go intothis line of work and what exactly
is it that you do?
What inspired me is that Iwent to college and I studied accounting
and I interned in at anaccounting firm and realized, I hate
this.
There's no way I can sitbehind a computer all day and run,
(02:10):
you know, financial reports.
And so I went into anotherline of work.
The first job I had was as amortgage refinancer.
And during that job, I wasseeing Americans refinancing their
homes over and over again topay off credit card debt.
(02:32):
Sometimes it was $40,000 ofcredit card debt, sometimes it was
80,000, $150,000.
And what they would do is theywould roll their credit card debt
into their mortgage to wipetheir credit card debt clean and
then just pay their mortgage.
And so that was my first jobout of college.
(02:53):
My second job, I was actuallyin the car business as a finance
director.
And again, I was the personthat people would come to when they
were financing their vehicleand I would be the one to get them
approved for a car loan.
And it was just shocking.
To me, how many people intheir, you know, 40s, 50s, 60s that
(03:13):
didn't have any money for adown payment, they sometimes had
bad credit and didn't knowthey had bad credit.
Or, you know, there werepeople that were lawyers and doctors
or professional athletesmaking 800,000 a year that didn't
have cash for a down paymentand their credit was bad.
And so it just really startedshowing me that there's something
(03:35):
underneath the surface that noone's talking about.
There's a financial crisisgoing on, and we're not openly talking
about it.
You know, it's just somethinggoing on behind the scenes.
And I myself, I thought that Ihad really good financial habits.
(03:56):
After all, I had an accounting degree.
I kept a very detailed budgetsince the time I was 18.
I was very strategic with mymoney, but yet I had a compulsive
spending habit.
I would go and I would spendmoney like crazy, shopping for clothes,
things like that.
And at a certain point, I hada dip in my pay one month and I was
(04:21):
26 years old.
And I realized, oh, mygoodness, I don't know if this continues.
I don't know how I would paymy mortgage.
I don't have enough in savingsbecause I had been saving, but I
didn't know how much should Ibe saving, right?
And then how should I be investing?
I didn't know.
And at a certain point, I tooka lump sum of my savings and I renovated
(04:44):
my kitchen.
And so then it was like all ofa sudden I didn't really have a strong
emergency fund.
And when this dip happened inmy income, panic mode set in.
And at that point, I went toseek out a financial advisor.
No one wanted to work with mebecause I was 26 with no assets,
just a whole bunch of debt.
(05:04):
And I found this guy and hesaid, I feel like it's my public
duty to help you.
And he said, bring in all yourstatements, bring in everything.
He sat me down for one hour.
He said, no more eating out.
Learn how to cook.
No more shopping.
You have enough crap in yourcloset, you know, no more cable TV.
Read a book.
(05:24):
And in that one hour sessionwith him, he cut out $800 out of
my monthly budget.
And we started putting thattowards paying off debt.
Within about four or fivemonths, I was completely debt free.
Wow.
I think at the point.
At that point, I had $18,000of credit card debt.
So I paid that off within afew months of working with him.
(05:45):
And then I.
After that, I started savingand investing and I realized, man,
this person has changed my life.
I want to be like that.
And like I said, I alreadyknew that a lot of people were struggling
financially.
So at that point, I was 28years old, I pivoted and I changed
(06:08):
careers and became a financial advisor.
And that's what I've beendoing ever since.
And within the last couple ofyears, I actually shifted and stopped
being a financial planner andbecame a financial coach instead.
Because I felt like that'swhere the need is.
It's so important.
And women are so vulnerable, Ithink more so than men.
(06:31):
And I think that people have ahard time wrapping their heads around
finances, how to do it properly.
We're not taught about it in school.
Um, it just seems like theterms are so intimidating and we're.
We get sucked in not thinkingabout it.
You know, we go out to eat,you go to the store and like you
said, you, you were buying allkinds of stuff.
(06:53):
We don't think when we put iton a credit card how much that's
really going to hurt.
How do we gain control and howdo we look at financial planning
as something that isn't intimidating?
Yeah, I think the very firststep is getting real with yourself
about how you look at money.
(07:13):
I feel that most of us, whenwe think about money, there's shame,
there's fear, there's guilt.
Oh, I'm not doing enough orI'm doing this wrong or I'm doing
that wrong or I don't know howto, you know, it's so much negative
self talk and just focusing onall the things.
(07:34):
I don't know how to do thisand I don't know how to invest and
I don't, you know, and so itbecomes something that we almost
hate.
It becomes something extremelynegative in our minds subconsciously.
And it's kind of like anything else.
If it's something that youdon't like that is negative, you're
(07:54):
probably not going to get moreof it.
You're probably not going towant to hang out with that thing
or that person.
You're not going to want todive into it because it's not something
fun to you.
It's human nature for us togravitate towards things we love
and like and that are enjoyable.
And it's human nature for usto retreat and hide from the things
(08:15):
we don't like.
And so a lot of it is changingthe way we think about it and making
it exciting and fun, reframing.
The way to do that, in myopinion, is to focus in on your goals.
And when I say Goals, I mean,visualizing what kind of life do
(08:38):
you want to live?
Like, I did this exercise, andI found myself thinking, man, I would
love to be able to.
This was before COVID andeverything, obviously, but this is
back in the day.
I would love to be able towork from home.
I would love to not have towear a suit.
I'd love to wear leggingsevery day.
I'd love to sit with someoneat their kitchen table and help them
(09:01):
with their finances.
I'd love to be able to bake acake in the middle of the day or
go gardening or spend timewith my kids.
I just had this vision of whatI wanted my life to look like, and
that vision was very excitingto me.
And so one of the things I'venoticed in my years of doing this
is that most people have noclarity around their goals.
(09:25):
I'll meet with someone, andthe first thing I'll say, so, what
are you looking to accomplish?
Right.
Or how can I help you?
What.
What would you like to do?
And most people are trying tomake up an answer on the spot.
They.
It tells me that they haven'treally thought about previously exactly
(09:45):
what their goals are.
And when you think about yourgoals and you actually write them
down, it forces you to be veryintentional about the things you
want to accomplish.
And if you focus in on that,it becomes something fun.
It becomes something empowering.
It becomes something you'rekind of working towards.
It's just like when you plan avacation, right?
(10:07):
If you're.
Let's say you're going on acruise in a few months now, it's
like, man, I can't wait to goon this cruise, and I can't wait
to do all the things I'm goingto do.
And you start planning all thedetails of this vacation you're going
to go on.
It's the same with our goals,when we really hone in on our goals.
And I don't mean like, yeah,it's good to have a goal of, I want
(10:29):
to buy a house in three yearsfor, you know, $400,000 or whatever.
But what I mean by goals isreally visualizing your ideal life.
What does that look like?
And why?
And then working towards that,and the finances kind of fall.
Fall in place, becausefinances play a big role in pretty
(10:51):
much all of our goals.
Yeah.
You know, you hear a lot ofpeople saying, I don't have money
to save.
How am I going to plan for anykind of financial future?
I don't make enough.
And certainly I think thatThere's a fear factor there.
After the Great Recession,there were people who lost 30 to
60% of their investments, anda lot of them haven't recovered.
(11:13):
So when they go to a financialplanner, I think that they're.
It almost feels like anadversarial position, especially
when the financial planner'sspouting all these terms that make
no sense at all.
Yeah.
So two.
Two part answer to yourquestion and statement.
The first is it's true thereare a lot of people not making enough
(11:36):
money.
And it is true.
Right.
One plus one equals two.
It's simple math.
If you're not making enough tojust simply live on and pay your
living expenses and food, it'simpossible to save.
I'm not going to sit here andsay that there's some magic trick
to do that.
No, I think the answer to thatis you have to take ownership and
(11:58):
you have to start thinking ofcreative ways to increase your income.
And, you know, I've workedwith clients before who have PhDs,
and they're making 35,000 ayear, and I look at them and say,
what are you doing?
Less than 1% of the world hasa PhD.
Go out and make more money.
And so we start putting astrategy in place for them to look
(12:18):
for a new job.
Sometimes it's just a matterof being too comfortable in the position
you're in and not going outthere and putting yourself out there
to get a new job or start aside hustle or, you know, create
some kind of passive stream ofincome or additional stream of income.
And sometimes that's the answer.
(12:40):
Sometimes the answer is youneed to make more money.
Whether that is shiftingindustries, shifting careers, and,
you know, that's something.
The more you practice that,the better off you'll be.
Because the, the newretirement, right.
We're living so long, most ofus are going to end up having multiple
different career paths in our lifetime.
(13:02):
Oh, yeah.
Oh, that's definitely beenhappening in the past 10 to 15 years.
And with, with the pandemic, Ihad one, right?
Oh, my gosh.
Kathy was originally a nurse,and then you totally pivoted.
Just amazing.
Just a little bit.
So the quicker you can hone inon what are my gifts, what are my
(13:22):
talents, what am I good at,what do I love, and how can I flip
that and monetize those skills?
The better off you'll be.
Because you might need to beflipping that multiple times.
Right?
You, it's, it's not okay tojust sit there and say, I'm not making
enough money.
So I can't save.
It's like, okay, what am Igoing to do to figure out how to
(13:43):
go out and make more money?
I was just going to say,sometimes it's not just about what
are my, what am I good at,what are my skills like, like in
my situation, when I lost mynursing career at the age of 42,
that's all I knew.
So how do you change careersin midlife like that?
I didn't know what I liked,didn't know what I didn't like.
It was very difficult.
(14:05):
Like, what skills do I havethat I can bring from my nursing
to a new career?
Well, I, I didn't know.
So I ended up going to acareer planning workshop to find
out what I wanted to be when Igrew up at 42.
And I was shocked, absolutelyshocked when a lady gave me my sheet
after three days of aptitudetests and personality test, telling
(14:27):
me that I was geared to be aheavy equipment operator.
Honestly, I laughed so hard Ijust about fell off my chair.
I'm like, come on man, likethere's no way.
So I said, I'm a woman, I'm42, I don't even like equipment.
I'm not mechanically inclined.
I said, your test is wrong.
There was a dude next to me.
I'm like, it's probably his.
You know, you got this mixed up.
But it took for.
(14:48):
And she, she said, she pushedit back and she said, you know, if
only you'd believe in yourselfa little bit, missy, you'd see the
test is right.
She went on to put on a videoabout it's possible.
And that video from les Brown,a 10 minute YouTube video, really
changed the pattern of mythinking, realizing, well, wait a
minute, maybe I can do this.
(15:09):
Maybe there's just a slimpossibility that there's something
I can apply that in who I amas a person.
Even though it's a career thatI would have never, ever, ever considered.
And lo and behold, justbecause I allowed myself that shift
to dream of doing somethingthat I would have never thought possible,
(15:30):
well, son of a gun, I gave ita shot.
I ended up going through this.
Women Building Futures, it's anon profit organization for women
in Canada that helps women getinto non traditional trades.
Well, son of a gun, if everypiece of equipment that I got on,
I got accepted for the programI was good at because I gave myself
the chance.
That's the message in there.
(15:52):
So even if sometimes you mightnot think there's a career that's
meant for you, you might beSurprised at how exactly untrue that
is.
You.
You.
I think women tend to limit themselves.
Yeah.
To certain things.
Yeah, I was, I was going tosay that self limiting.
I think women tend to do that.
Yeah.
(16:12):
I'll tell you, you hit it onthe nail.
It's all in our mind.
It's what do you believe thatyou can achieve?
If you don't believe it, youcan't do it.
If you do believe it, thenthere's a high likelihood you can
achieve it.
Especially I believe women,we, when we put our mind to something,
amazing things happen.
I'm going to tell you a story.
(16:33):
When I first started mybusiness and I left my big corporate
job, I thought to myself, man,if I could just make 60,000 my first
year, you know, that would be comfortable.
And I just kept saying andrepeating in my mind the $60,000
number.
And I went to this incubatorprogram in Boston and this woman
(16:54):
was on stage and she hadcreated, you know, hundreds of thousands
of dollars in a business andsold it.
And now she was on her secondbusiness that was valued at over
a hundred, I'm sorry, ahundred millions, sorry.
She was on her second businessthat was valued over a hundred million
dollars and she was standingon stage saying, you know, if you
(17:18):
can start a million dollarcompany, why can't you start a hundred
million dollar company?
What's the difference?
You know, it's all about whatyou're focused on building.
And I remember thinking tomyself, yeah, why am I not focusing
on building a million dollarbusiness versus a 60,000?
Why have I been saying overand over again this 60 that, why
(17:39):
am I believing that that's allI can do my first year?
And it, it makes a hugedifference when you look at how you
are viewing things.
It's just like I mentioned,you know, working with someone who
has a PhD.
If it's all about what youbelieve you can do.
Sure, because there's peopleout there that have no education
(17:59):
at all and they're, you know,starting companies that are extremely
successful.
And then there's people outthere that are equipped with education
and talent and just all kindsof things that aren't doing anything
with it because they don'tbelieve that they can.
And I wanted to talk a littlebit about your, the other half of
(18:21):
your question about whensomeone goes and they sit in front
of a professional like afinancial planner or a financial
advisor and you know, andthey've lost money previously in
the market, especially in thecrash of 2008, something like that,
I think that the key isfinding the right advisor.
(18:44):
It's just like going to adoctor, right?
You might go to someone andyou just don't get that warm feeling
that they care or they're justkind of in and out, not really doing
a whole lot.
Whereas you might go tosomeone else and they take their
time with you, they ask youlots of questions, they listen, they
(19:07):
figure out what's going on andthey diagnose the problem correctly
and they, they give you some,some health guidance and some tips
and even maybe a prescriptionthat completely changes your life.
That's how it is with any professional.
So when you're going to afinancial planner or financial advisor,
it's important, important thatyou take your time to find the right
(19:29):
person.
You research, you find someonewho has maybe some things in common
with you.
You find someone who iscredentialed and has the education
in the background.
You find someone whospecializes in working with other
clients that are similar to you.
And then you interview themand you make sure that you get that
(19:50):
warm fuzzy feeling that, wow,this person has added so much value
in this 30 minute consultationor in this hour long consultation
that I feel like they reallycan add value in my life.
If you don't have that feelingwhen you talk to one of them, then
that's probably not the personfor you.
We're, we're not all createdequal and we don't all have expertise
(20:12):
in the same areas.
Someone might specialize inworking with families that have special
needs issues.
Someone might specialize inworking with, you know, LGBTQ issues.
Someone might specialize inworking with someone who has compulsive
spending or, you know, diffhoarding or whatever.
(20:33):
Everyone's so different, andthere's so many different areas of
expertise and specialties thatyou want to find someone that has
the skills and the qualitiesthat really fit with what you need.
That makes sense.
Stay tuned for more of womenroad warriors coming up.
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Welcome back to Women Roadwarriors with Shelley Johnson and
(22:03):
Kathy Taccaro.
If you're enjoying thisinformative episode of Women Road
Warriors, I wanted to mentionKathy and I explore all kinds of
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(22:49):
We want to help as many womenas possible how do women guarantee
a financial nest egg or stopliving with more month than money?
There is a way people don'topenly talk about it, but money impacts
more people than you think,angela Moore says.
Many times we think we havegood financial habits, but we don't.
It's a matter of gainingcontrol over compulsive spending.
(23:11):
Many people don't know howmuch they should be saving when they're
able to do that.
You need to get real withyourself about how you look at money.
Get rid of the shame and guilt.
Stop blaming yourself.
Focus on the positive.
That way money managementwon't be negative and you won't hate
it because we don't like to dostuff we hate, Angela says.
You also need to change theway you think of money.
(23:33):
Reframe and find the rightfinancial advisor.
Interview that person to makesure you have a good fit.
Focus on your goals andvisualize what kind of life you want
to live so you can accomplish it.
Take ownership of your moneywith creative ways to increase your
income.
Figure out your strengths andhow to flip things so you can monetize
those skills.
(23:54):
Angela Moore helps women gainfinancial control with some great
insight.
She's a certified financialplanner and coach who's disrupting
the financial game.
She's the founder and CEO ofModern Money Education.
Angela, you said you need tofind the financial Advisor that really
fits.
You know, I think that'sprobably some of the best advice.
You need to have somebodywho's in your corner.
(24:16):
I mean, it's an intimidatingsubject to begin with.
You're taking risk, you'reentrusting somebody else with your
hard earned money.
And it does feel, especiallywith the stock market and that kind
of stuff, that it's kind oflike going to Las Vegas, you know,
and that.
And I think, you know, one ofthe things I always did when I was
(24:38):
working in wealth managementand as a financial planner is really
arming my clients with education.
A client needs to understandwhy their portfolio looks the way
it is.
Why is diversification important?
Why is their allocation this way?
Why?
You know, if the clientunderstands what y'all are doing
(25:02):
as a strategy, together as ateam, you and the client, that makes
all the difference.
Because if someone comes andthey say, man, my portfolio is not
doing well at all, it'sunderperforming the market.
You have to take a step deeperand say, well, is your portfolio
(25:22):
constructed in a way that'svery conservative, that's in line
with kind of your tolerancefor risk, and is constructed in a
way so that you're not losinga ton of money if the market tanks,
but you're getting a nice,smooth, consistent return over time.
And, you know, the other thingis some people don't need to take
a lot of risk to meet their,the outcome, the goal that they're
(25:44):
trying to get to.
If someone comes, you know,back in the day, if someone would
come to me and they only needa 4% return to meet every year to
meet their goals, why would Iput them in a portfolio that's going
to earn, you know, 30% butalso has the potential to lose 50%?
Right.
I'm not going to do that.
So if that person doesn'tunderstand why we set the portfolio
(26:08):
up the way we did, then they might.
Hey, Angela, the market's up30% and I'm only up, you know, 8%.
Why is that?
They have to understand.
So education has to be part of it.
Because to your point, we gothrough elementary school, middle
school, high school, college,grad school, dental school, law school,
and nobody's ever taught usabout personal finance.
(26:30):
No, as a, as a.
Go ahead, sorry.
No, that's very true.
And I've actually heard thatlike doctors and lawyers, they're
not really taught about business.
You know, they go out and theypractice medicine or they practice
law, but that's not covered.
And in order to be successful,they need to understand finance.
You're absolutely right.
(26:51):
We're not taught how to run a business.
We're not taught how to sell.
We're not taught how to build relationships.
We're just.
There's so many things that weare not taught.
And to your point, you can goout there and you can complete law
school or med school, and youstart a practice and you realize,
all I know how to do is how tooperate on someone.
(27:14):
I don't know any of this other stuff.
I don't know marketing.
I don't know finances.
I don't know any of this stuff.
And so that's why it's so important.
I always talk about.
It's very important to build a team.
It's also important who yousurround yourself with, who are your
friends, who are, you know,what are.
What podcasts do you listento, what kind of things do you consume?
(27:37):
And in terms of building aprofessional team, you know, I don't
think it's good enough just tohave a financial person.
You should have a lawyer, youshould have a tax person.
You might need a therapist.
You.
You might need, you know,having a Rolodex of people you can
reach out to when you have aquestion or when there's something
(28:00):
you need to learn or when youneed guidance on something makes
total sense.
You know, I think that there'sa lot of fear today.
Inflation is just has beenthrough the roof.
People trying to buy homes.
I mean, it's just amazing.
The mortgage rates have goneup, the prices have not come down
on real estate.
And if you have to buy a newvehicle, I stand back and wonder,
(28:22):
how the heck does a familyraise children and get a house?
The American dream, the NorthAmerican dream.
Buy that new car.
How do they do it?
The first thing I want to sayis that everything is cyclical.
So all things cycle throughups and downs.
So when, you know, right now,housing prices are high, interest
(28:46):
rates are high, you know,inflation is high, that doesn't mean
that it'll always be that way.
And what you don't want to dois make the mistake of feeling rushed
because, you know, oh, I needto buy a house now, because if I
don't, I'll miss out on my opportunity.
Or, you know, that feeling ofbeing driven by the fear of missing
(29:07):
out on something.
You always want to do thingsaligned with your own timing.
And when you're ready forsomething, especially when it comes
to buying a large purchaselike a house or a car, you want to
make sure that you're ready todo that.
Otherwise, just take your timeand try not to get caught up in the
(29:30):
chaos of the chatter ofeveryone else is doing this.
So I need to be doing it, liketry to block out the noise.
The second thing is, you'reabsolutely right, it's hard.
It's extremely hard.
Especially childcare andeverything else.
Oh, and super expensive.
It's ridiculously.
(29:51):
I have a 2 year old and a 4year old.
So childcare is very expensiveand so is housing.
I think that my answer is youhave to start thinking outside the
box.
There are markets where it'snot that expensive.
(30:12):
There are always going to beproperties that are less expensive
than market.
There are people renting wherethey live and buying investment property
elsewhere where they canafford to buy.
There's ways around it,there's ways to make investments,
there's ways to manage.
(30:33):
But you have to think outsidethe box.
And sometimes to do that,maybe it does require you to talk
to a professional or to startreading books or to enter some type
of coaching program or toreally start kind of tuning in to
people that are not like you.
(30:55):
I'll give you an example.
I attended some Grant Cardoneworkshop recently and he mentioned
that he had been on UndercoverBillionaire on tv and I wasn't even
aware of that.
So I started watching the showand there's three billionaires that
they put on there.
They gave them a dirty oldpickup truck, $100 and a cell phone
(31:18):
with no contacts in it.
And it had 90 days to create abusiness that is worth at least $1
million.
Grant Cardone created abusiness worth $5 million in that
90 day period.
Not only that, but it wasright during when the whole Covid
shutdown happened.
So he had to deal with all of that.
(31:38):
They all did.
Watching that show andabsorbing that content and seeing
how these three people, allthree of them, were able to successfully
start businesses with nothingbut $100 in their pocket.
Right?
That's amazing.
It is amazing.
And when you watch it, this iswhy I'm saying it's, it's a mind,
(31:59):
it's a mind shift thingbecause they know they can do it.
They went, hey, I've, I'vecreated multiple businesses.
I know how to do this, I cando it.
That mindset alone is whatmade them successful and the willingness
to do the work, obviously.
But I think that what I findinteresting about life and me, as
(32:20):
you know, in this business,obviously clients share very personal
things with you and you hearso many stories from health issues
to death, you know, a death inthe family, bankruptcies I mean,
businesses going out ofbusiness, lawsuits.
People are constantly facedwith challenges all the time.
(32:43):
Life is always like a roller coaster.
So you almost have to beunderstanding, like it's going to
happen.
It's a matter of when is thechallenge going to happen and how
am I going to overcome it?
There's always going to be something.
So you're right.
Right now it's inflation.
(33:03):
Housing prices are veryexpensive, you know, but we also
have record low unemployment.
We have.
Artificial intelligence isjust surging.
Everything can be done overthe Internet.
Nowadays you can connect withanyone all over the world.
There's 8 billion people inthe world.
(33:26):
If you can come up with someway to sell something to 10 of them
or to a hundred of them, youhave a way of making money.
There is a way.
And I think the biggest trapis, you know, getting caught up in
the doom and gloom.
You have to transcend that.
You have to say, well, that doesn't.
(33:48):
That doesn't apply to me.
I'm going to make it.
Yeah.
And going to be successful.
And oftentimes you can bedoing something and you have that
friend who says, well, that'snever going to work.
It's a negative Nelly message.
And it's not encouraging.
You don't need to have that,you know, especially, you know, because
I think determination, that's huge.
(34:10):
And you have to be focused.
You have to have a goal.
And people lose sight of those things.
That can be a major obstruction.
I kind of wanted.
I know this is such.
There's so much to unpack withthis topic.
In financial planning, whatare the most important things women
need to know to win at themoney game?
Because women have differentchallenges than men do.
(34:32):
I really think so.
Because they typically are thecaretakers as.
Well as the breadwinners.
I mean, they have lots of jobs.
Yes.
I don't want to soundnegative, because this might sound
negative, but you'reabsolutely right.
It's challenging.
Right.
If you have children, which Ican speak about this, because when
(34:55):
I was pregnant, I wasexhausted the whole time.
I didn't feel like working.
I was sick.
I just was tired.
After I had the baby, I was tired.
Now that they're older, I'mstill tired.
I'm tired all the time, and Idon't have my own time because I
have to take care of children.
And you're absolutely right.
(35:16):
It affects.
It can affect your ability towork the same as maybe a man would.
Yep.
You know, all things equal,like you said, at some point there's
the need potentially for youto be a caretaker, maybe your parents,
maybe someone in the family.
That role often falls on us.
(35:36):
So then that can affect ourability to earn the same way or work
the same way.
We have been.
In addition to that, we livelonger, typically.
Yeah.
So you have to compound thatwith also so living longer, being
caretaker, having children.
And then there's the income disparity.
(35:59):
And also there's alsodiscrimination that we face that
maybe we don't even realizewe've faced.
I had a job one time where,unbeknownst to me, accounts were
being given out, but they justweren't being given to me.
And there ended up being alarge lawsuit.
(36:20):
And the law firm haddocumentation showing that on average,
my male counterpart was beinggiven 17 accounts annually.
I had never been given an account.
So, you know, you.
Sometimes there are things,there's challenges that we face that
we don't even necessarilyunderstand or know about.
(36:43):
But one thing I've learnedabout women is no matter what we
are, we are overcomers.
We.
We do things very efficiently.
We do things very well.
It's almost like thechallenges have just made us stronger
and made us better.
And, you know, we do that.
We do that all the time, andwe do it well.
(37:06):
Yeah.
Women really are very resilient.
Of course, I thinkbiologically we have to be.
We have to think about ahundred million things and possibilities
just to raise children.
What's that kid going to bedoing next?
You can't just let them do something.
I mean, they could get hurt.
So we got to be thinking aboutthat while we're doing something
(37:26):
else.
Men don't do it as well.
Our brain compartmentalizes differently.
I think that they're more.
We have more neurons than fire.
Yeah.
It's the practice of having todo that constantly, having to manage
all of the mental space andhaving to think of more efficient
ways to do things.
(37:52):
Stay tuned for more of womenroad warriors coming up.
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(39:00):
Welcome back to Women Roadwarriors with Shelley Johnson and
Kathy Ticaro.
Finding the correct financialadvisor is essential to making sure
you have a portfolio that canweather economic downturns.
Angela Moore says you need tohave an advisor who can explain things
to you.
(39:20):
She's a certified financialplanner and coach who's disrupting
the financial game.
She's the founder and CEO ofModern Money Education and she helps
women all over.
Education has to be part ofthe financial planning and management
process.
There are way too many thingswe're not taught in school in order
to achieve total success.
Finance is a very large partof our success and like it or not,
(39:42):
you need to build a team andsurround yourself with the messaging
and tools to learn how toachieve that.
Having a Rolodex of peoplewhen you have a question or guidance
is important.
Remember, everything is cyclical.
Life is always full of challenges.
It's a matter of making a planto overcome them.
Rise above the doom and gloom.
Inflation may be high now, butit may not be in the future.
(40:05):
Don't rush big financial decisions.
Don't be driven by fear.
Always do things that alignwith your own timing, especially
when it comes to a large purchase.
Take your time and don't getcaught up in the chaos.
There are always ways to makeinvestments successfully, but you
have to dig outside the boxand tune into people who are experts.
(40:26):
Angela, are there maybe somebasic steps?
We just have a few minutes left.
Some nuggets you can givewomen to get started achieving a
new mindset, financialplanning, securing their financial
future.
That's going to be successful?
Absolutely.
Something I tell everyone isstart with your goals, sit down and
(40:47):
actually write out your goals.
And then if you can begin tospeak them, be obviously be careful
who you speak them to, butspeak them to someone who encourages
you.
Because when you speak yourgoals now, there's almost like this
level of accountability.
And then thirdly, be sure tocreate some type of visual if you
(41:08):
can create a vision board oryou know, put your written goals
up on the wall so that you'reconstantly reminded of them.
Because what that does, ittriggers your reticular activating
system and it Brings kind ofyour subconscious thoughts into the
conscious realm, and it.
It submerges them.
So what happens is you startworking towards your goals subconsciously
(41:31):
and consciously.
You're more likely to achievethem that way.
And you're focused on the lifeyou want to live versus thinking
about, you know, the numbersand things like that.
The next step is to get veryclear on where you currently are.
That's by creating a budget ora spending plan, which you can download
for free if you go to mywebsite, which is modernmoney education.
(41:54):
The next step is to align yourgoals with your budget.
So start intentionallyallocating money towards things you
either love or things thatalign with your goals.
If there's something thatyou're spending money on every month
that does not help you achieveyour goals, and it's not something
that brings you extreme joy,then try to eliminate or reduce that
(42:17):
item.
That makes sense.
Yeah.
I mean, when you think aboutit, there's so many things that nickel
and dime us.
If you want to watch this or.
Listen to that $10 here, $7 amonth there may not seem like a lot,
but it adds up.
And these are some of thethings What, Kathy?
I'm sorry.
Starbucks.
Starbucks, yeah, exactly.
(42:38):
I mean, all these little things.
There was a financial plannerthat I had spoken with a number of
years ago that said the amountof money people spend on fast food
throughout their lifetimewould be astronomical if you actually
totaled it up.
Yeah.
And I think.
I think it's one of thosethings that is individual to everyone.
If Starbucks makes youextremely happy, then do it.
(43:01):
But if you're just goingthrough the motions, going to Starbucks
every day like it's nothing,then that's something that really
you can eliminate.
Right.
You can drink coffee for freeat work or at home.
If it's not something thatbrings you extreme joy.
It's the same with the otherexample you just.
You just gave of eating out.
If eating out makes youextremely happy, then budget it into
(43:24):
your monthly budget.
If it.
If it's something you just dobecause you just haven't planned
well, then, you know, put aplan together because you're right.
I think also the Starbucksexample, when you go to Starbucks,
you think in your mind, oh,I'm paying $2 for coffee.
No, you're paying $7 forcoffee, and then you're getting egg
(43:44):
bites.
So you're ending up spending15, and you're doing that every day.
So how much does that add up to?
And by the way, you don't evenremember doing it because it's so
habitual that it doesn't evenbring any value or joy to your life
whatsoever.
Sure, yeah.
So what's the point of doing it?
Exactly.
So, Angela, where do peoplefind you?
Do you work with people virtually?
(44:06):
I work with people virtually.
I do one on one coaching and Ialso have a program and I do speaking
engagements.
I do financial workshops andwellness, corporate wellness events.
And you can find me at ModernMoney Education and I'm also on social
media at Modern Money Education.
I love the fact that you havea program designed for women.
(44:28):
That's so important.
Yes.
You know, I just enjoy workingwith women.
I enjoy vibing.
A lot of my clients becomefriends of mine.
It's just a vibe and so Ijust, I love it.
And it's so needed.
This is going to empower so many.
Women, you know, and to yourpoint, it's just really important
(44:51):
to be comfortable with whoeveryou're working with because you're.
It's almost like getting undressed.
You're opening up all yourpersonal details and stuff.
And it's good to just feellike someone has your back and you
can trust them and you can beopen about things and they understand,
you know.
Yeah.
You don't feel as vulnerablebecause the world today, especially
(45:12):
since the pandemic, I think alot of people feel really exposed
and vulnerable.
Yeah, yeah, it's my, it's.
It's one of my goals to.
It's so important to not beatyourself up about anything.
Because a lot of these things,in a way, they're, they're systemic
(45:33):
and it's just a matter of usnot having the tools.
And so what it is, is what canI do today to arm myself with the
tools and arm myself with theknowledge and the team to help me
take one step every day in theright direction?
Because one day I'll wake upand I'll be where I want to be, but
(45:57):
I just gotta, you know, havethe courage to make a pivot.
Right.
Take it a day at a time.
I love this.
You've got some terrificinsight, Angela.
This is terrific.
I really appreciate you beingon the show.
Thank you.
Thank you for having me.
And I'm sure we could maybepick your brain at a future date.
(46:19):
Absolutely.
If something comes up andpeople have questions, we can say,
hey, we need to talk to Angela.
Yes, feel free to.
I would love to do this again.
And you know, there's so.
Obviously there's so many morethings we can talk about, but with
a limited time, keep it kindof high level.
But yeah, there's so manythings that we can explore further
(46:43):
for sure.
Well, bravo to what you're doing.
You're empowering a lot ofwomen and that's so important.
You just empowered me, just soyou know.
Thank you.
Well, y'all are.
I'm one of those who struggles.
I thank you.
Same to you both because youryour podcast is so enlightening and
motivational and it's justgreat to hear all these different
(47:04):
women who have had success andare contributing in one way or another.
So, you know, thank you fordoing this and thank you for having
me on.
You're very welcome.
It's been an honor.
Angela, we hope you've enjoyedthis latest episode.
And if you want to hear moreepisodes of Women Road warriors or
learn more about our show, besure to check out womenroadwarriors.com
(47:27):
and please follow us on social media.
And don't forget to subscribeto our podcast on our website.
We also have a selection ofpodcasts Just for Women.
They're a series of podcastsfrom different podcasters, so if
you're in the mood for women'spodcasts, just click the Power network
tab on womenroadwarriors.comyou'll have a variety of shows to
(47:48):
listen to anytime you want to.
Podcasts Made For Women WomenRoad warriors is on all the major
podcast channels like Apple,Spotify, Amazon, Audible, YouTube
and others.
So check us out and pleasefollow us wherever you listen to
podcasts.
Thanks for listening.
You've been listening to WomenRoad warriors years with Shelley
(48:10):
Johnson and Kathy Tacaro.
If you want to be a guest onthe show or have a topic or feedback,
email us at sjohnson@womenroadwarriors.com.
This is Women Road warriorswith Shelley Johnson and Kathy Ticaro.
From the corporate office tothe cab of a truck, they're here
to inspire and empower womenin all professions.
So gear down, sit back and enjoy.
(00:23):
Welcome.
We're an award winning showdedicated to empowering women in
every profession throughinspiring stories and expert insights.
No topics off limits on ourshow, we power women on the road
to success with expert andcelebrity interviews and information
you need.
I'm Shelley and this is Kathy.
(00:44):
All too often people live withmore months than money.
It's a day to day game thatwe're not taught how to win.
Women especially are vulnerable.
According to census.gov 50% ofwomen from 55 to 66 have no personal
retirement savings compared to47% of men.
Angela Moore is a certifiedfinancial planner who's disrupting
(01:07):
the financial game.
She's a master planner andrebel financial coach and the founder
and CEO of Modern Money Education.
Angela has a master's degreein financial planning.
Her organization offerspersonalized finance courses for
women.
Angela was honored by BusinessInsider as one of the top financial
advisors for millennials in 2020.
(01:27):
Angela says she brings streetsmart, no nonsense insights on behavioral
money habits that work.
We wanted to know more becausemoney seems to be something we all
talk about but we don'ttotally understand.
So we invited Angela on the show.
Welcome, Angela.
Thank you for being with us.
Thank you for having me.
So, Angela, this is such ahuge topic.
(01:50):
What inspired you to go intothis line of work and what exactly
is it that you do?
What inspired me is that Iwent to college and I studied accounting
and I interned in at anaccounting firm and realized, I hate
this.
There's no way I can sitbehind a computer all day and run,
(02:10):
you know, financial reports.
And so I went into anotherline of work.
The first job I had was as amortgage refinancer.
And during that job, I wasseeing Americans refinancing their
homes over and over again topay off credit card debt.
(02:32):
Sometimes it was $40,000 ofcredit card debt, sometimes it was
80,000, $150,000.
And what they would do is theywould roll their credit card debt
into their mortgage to wipetheir credit card debt clean and
then just pay their mortgage.
And so that was my first jobout of college.
(02:53):
My second job, I was actuallyin the car business as a finance
director.
And again, I was the personthat people would come to when they
were financing their vehicleand I would be the one to get them
approved for a car loan.
And it was just shocking.
To me, how many people intheir, you know, 40s, 50s, 60s that
(03:13):
didn't have any money for adown payment, they sometimes had
bad credit and didn't knowthey had bad credit.
Or, you know, there werepeople that were lawyers and doctors
or professional athletesmaking 800,000 a year that didn't
have cash for a down paymentand their credit was bad.
And so it just really startedshowing me that there's something
(03:35):
underneath the surface that noone's talking about.
There's a financial crisisgoing on, and we're not openly talking
about it.
You know, it's just somethinggoing on behind the scenes.
And I myself, I thought that Ihad really good financial habits.
(03:56):
After all, I had an accounting degree.
I kept a very detailed budgetsince the time I was 18.
I was very strategic with mymoney, but yet I had a compulsive
spending habit.
I would go and I would spendmoney like crazy, shopping for clothes,
things like that.
And at a certain point, I hada dip in my pay one month and I was
(04:21):
26 years old.
And I realized, oh, mygoodness, I don't know if this continues.
I don't know how I would paymy mortgage.
I don't have enough in savingsbecause I had been saving, but I
didn't know how much should Ibe saving, right?
And then how should I be investing?
I didn't know.
And at a certain point, I tooka lump sum of my savings and I renovated
(04:44):
my kitchen.
And so then it was like all ofa sudden I didn't really have a strong
emergency fund.
And when this dip happened inmy income, panic mode set in.
And at that point, I went toseek out a financial advisor.
No one wanted to work with mebecause I was 26 with no assets,
just a whole bunch of debt.
(05:04):
And I found this guy and hesaid, I feel like it's my public
duty to help you.
And he said, bring in all yourstatements, bring in everything.
He sat me down for one hour.
He said, no more eating out.
Learn how to cook.
No more shopping.
You have enough crap in yourcloset, you know, no more cable TV.
Read a book.
(05:24):
And in that one hour sessionwith him, he cut out $800 out of
my monthly budget.
And we started putting thattowards paying off debt.
Within about four or fivemonths, I was completely debt free.
Wow.
I think at the point.
At that point, I had $18,000of credit card debt.
So I paid that off within afew months of working with him.
(05:45):
And then I.
After that, I started savingand investing and I realized, man,
this person has changed my life.
I want to be like that.
And like I said, I alreadyknew that a lot of people were struggling
financially.
So at that point, I was 28years old, I pivoted and I changed
(06:08):
careers and became a financial advisor.
And that's what I've beendoing ever since.
And within the last couple ofyears, I actually shifted and stopped
being a financial planner andbecame a financial coach instead.
Because I felt like that'swhere the need is.
It's so important.
And women are so vulnerable, Ithink more so than men.
(06:31):
And I think that people have ahard time wrapping their heads around
finances, how to do it properly.
We're not taught about it in school.
Um, it just seems like theterms are so intimidating and we're.
We get sucked in not thinkingabout it.
You know, we go out to eat,you go to the store and like you
said, you, you were buying allkinds of stuff.
(06:53):
We don't think when we put iton a credit card how much that's
really going to hurt.
How do we gain control and howdo we look at financial planning
as something that isn't intimidating?
Yeah, I think the very firststep is getting real with yourself
about how you look at money.
(07:13):
I feel that most of us, whenwe think about money, there's shame,
there's fear, there's guilt.
Oh, I'm not doing enough orI'm doing this wrong or I'm doing
that wrong or I don't know howto, you know, it's so much negative
self talk and just focusing onall the things.
(07:34):
I don't know how to do thisand I don't know how to invest and
I don't, you know, and so itbecomes something that we almost
hate.
It becomes something extremelynegative in our minds subconsciously.
And it's kind of like anything else.
If it's something that youdon't like that is negative, you're
(07:54):
probably not going to get moreof it.
You're probably not going towant to hang out with that thing
or that person.
You're not going to want todive into it because it's not something
fun to you.
It's human nature for us togravitate towards things we love
and like and that are enjoyable.
And it's human nature for usto retreat and hide from the things
(08:15):
we don't like.
And so a lot of it is changingthe way we think about it and making
it exciting and fun, reframing.
The way to do that, in myopinion, is to focus in on your goals.
And when I say Goals, I mean,visualizing what kind of life do
(08:38):
you want to live?
Like, I did this exercise, andI found myself thinking, man, I would
love to be able to.
This was before COVID andeverything, obviously, but this is
back in the day.
I would love to be able towork from home.
I would love to not have towear a suit.
I'd love to wear leggingsevery day.
I'd love to sit with someoneat their kitchen table and help them
(09:01):
with their finances.
I'd love to be able to bake acake in the middle of the day or
go gardening or spend timewith my kids.
I just had this vision of whatI wanted my life to look like, and
that vision was very excitingto me.
And so one of the things I'venoticed in my years of doing this
is that most people have noclarity around their goals.
(09:25):
I'll meet with someone, andthe first thing I'll say, so, what
are you looking to accomplish?
Right.
Or how can I help you?
What.
What would you like to do?
And most people are trying tomake up an answer on the spot.
They.
It tells me that they haven'treally thought about previously exactly
(09:45):
what their goals are.
And when you think about yourgoals and you actually write them
down, it forces you to be veryintentional about the things you
want to accomplish.
And if you focus in on that,it becomes something fun.
It becomes something empowering.
It becomes something you'rekind of working towards.
It's just like when you plan avacation, right?
(10:07):
If you're.
Let's say you're going on acruise in a few months now, it's
like, man, I can't wait to goon this cruise, and I can't wait
to do all the things I'm goingto do.
And you start planning all thedetails of this vacation you're going
to go on.
It's the same with our goals,when we really hone in on our goals.
And I don't mean like, yeah,it's good to have a goal of, I want
(10:29):
to buy a house in three yearsfor, you know, $400,000 or whatever.
But what I mean by goals isreally visualizing your ideal life.
What does that look like?
And why?
And then working towards that,and the finances kind of fall.
Fall in place, becausefinances play a big role in pretty
(10:51):
much all of our goals.
Yeah.
You know, you hear a lot ofpeople saying, I don't have money
to save.
How am I going to plan for anykind of financial future?
I don't make enough.
And certainly I think thatThere's a fear factor there.
After the Great Recession,there were people who lost 30 to
60% of their investments, anda lot of them haven't recovered.
(11:13):
So when they go to a financialplanner, I think that they're.
It almost feels like anadversarial position, especially
when the financial planner'sspouting all these terms that make
no sense at all.
Yeah.
So two.
Two part answer to yourquestion and statement.
The first is it's true thereare a lot of people not making enough
(11:36):
money.
And it is true.
Right.
One plus one equals two.
It's simple math.
If you're not making enough tojust simply live on and pay your
living expenses and food, it'simpossible to save.
I'm not going to sit here andsay that there's some magic trick
to do that.
No, I think the answer to thatis you have to take ownership and
(11:58):
you have to start thinking ofcreative ways to increase your income.
And, you know, I've workedwith clients before who have PhDs,
and they're making 35,000 ayear, and I look at them and say,
what are you doing?
Less than 1% of the world hasa PhD.
Go out and make more money.
And so we start putting astrategy in place for them to look
(12:18):
for a new job.
Sometimes it's just a matterof being too comfortable in the position
you're in and not going outthere and putting yourself out there
to get a new job or start aside hustle or, you know, create
some kind of passive stream ofincome or additional stream of income.
And sometimes that's the answer.
(12:40):
Sometimes the answer is youneed to make more money.
Whether that is shiftingindustries, shifting careers, and,
you know, that's something.
The more you practice that,the better off you'll be.
Because the, the newretirement, right.
We're living so long, most ofus are going to end up having multiple
different career paths in our lifetime.
(13:02):
Oh, yeah.
Oh, that's definitely beenhappening in the past 10 to 15 years.
And with, with the pandemic, Ihad one, right?
Oh, my gosh.
Kathy was originally a nurse,and then you totally pivoted.
Just amazing.
Just a little bit.
So the quicker you can hone inon what are my gifts, what are my
(13:22):
talents, what am I good at,what do I love, and how can I flip
that and monetize those skills?
The better off you'll be.
Because you might need to beflipping that multiple times.
Right?
You, it's, it's not okay tojust sit there and say, I'm not making
enough money.
So I can't save.
It's like, okay, what am Igoing to do to figure out how to
(13:43):
go out and make more money?
I was just going to say,sometimes it's not just about what
are my, what am I good at,what are my skills like, like in
my situation, when I lost mynursing career at the age of 42,
that's all I knew.
So how do you change careersin midlife like that?
I didn't know what I liked,didn't know what I didn't like.
It was very difficult.
(14:05):
Like, what skills do I havethat I can bring from my nursing
to a new career?
Well, I, I didn't know.
So I ended up going to acareer planning workshop to find
out what I wanted to be when Igrew up at 42.
And I was shocked, absolutelyshocked when a lady gave me my sheet
after three days of aptitudetests and personality test, telling
(14:27):
me that I was geared to be aheavy equipment operator.
Honestly, I laughed so hard Ijust about fell off my chair.
I'm like, come on man, likethere's no way.
So I said, I'm a woman, I'm42, I don't even like equipment.
I'm not mechanically inclined.
I said, your test is wrong.
There was a dude next to me.
I'm like, it's probably his.
You know, you got this mixed up.
But it took for.
(14:48):
And she, she said, she pushedit back and she said, you know, if
only you'd believe in yourselfa little bit, missy, you'd see the
test is right.
She went on to put on a videoabout it's possible.
And that video from les Brown,a 10 minute YouTube video, really
changed the pattern of mythinking, realizing, well, wait a
minute, maybe I can do this.
(15:09):
Maybe there's just a slimpossibility that there's something
I can apply that in who I amas a person.
Even though it's a career thatI would have never, ever, ever considered.
And lo and behold, justbecause I allowed myself that shift
to dream of doing somethingthat I would have never thought possible,
(15:30):
well, son of a gun, I gave ita shot.
I ended up going through this.
Women Building Futures, it's anon profit organization for women
in Canada that helps women getinto non traditional trades.
Well, son of a gun, if everypiece of equipment that I got on,
I got accepted for the programI was good at because I gave myself
the chance.
That's the message in there.
(15:52):
So even if sometimes you mightnot think there's a career that's
meant for you, you might beSurprised at how exactly untrue that
is.
You.
You.
I think women tend to limit themselves.
Yeah.
To certain things.
Yeah, I was, I was going tosay that self limiting.
I think women tend to do that.
Yeah.
(16:12):
I'll tell you, you hit it onthe nail.
It's all in our mind.
It's what do you believe thatyou can achieve?
If you don't believe it, youcan't do it.
If you do believe it, thenthere's a high likelihood you can
achieve it.
Especially I believe women,we, when we put our mind to something,
amazing things happen.
I'm going to tell you a story.
(16:33):
When I first started mybusiness and I left my big corporate
job, I thought to myself, man,if I could just make 60,000 my first
year, you know, that would be comfortable.
And I just kept saying andrepeating in my mind the $60,000
number.
And I went to this incubatorprogram in Boston and this woman
(16:54):
was on stage and she hadcreated, you know, hundreds of thousands
of dollars in a business andsold it.
And now she was on her secondbusiness that was valued at over
a hundred, I'm sorry, ahundred millions, sorry.
She was on her second businessthat was valued over a hundred million
dollars and she was standingon stage saying, you know, if you
(17:18):
can start a million dollarcompany, why can't you start a hundred
million dollar company?
What's the difference?
You know, it's all about whatyou're focused on building.
And I remember thinking tomyself, yeah, why am I not focusing
on building a million dollarbusiness versus a 60,000?
Why have I been saying overand over again this 60 that, why
(17:39):
am I believing that that's allI can do my first year?
And it, it makes a hugedifference when you look at how you
are viewing things.
It's just like I mentioned,you know, working with someone who
has a PhD.
If it's all about what youbelieve you can do.
Sure, because there's peopleout there that have no education
(17:59):
at all and they're, you know,starting companies that are extremely
successful.
And then there's people outthere that are equipped with education
and talent and just all kindsof things that aren't doing anything
with it because they don'tbelieve that they can.
And I wanted to talk a littlebit about your, the other half of
(18:21):
your question about whensomeone goes and they sit in front
of a professional like afinancial planner or a financial
advisor and you know, andthey've lost money previously in
the market, especially in thecrash of 2008, something like that,
I think that the key isfinding the right advisor.
(18:44):
It's just like going to adoctor, right?
You might go to someone andyou just don't get that warm feeling
that they care or they're justkind of in and out, not really doing
a whole lot.
Whereas you might go tosomeone else and they take their
time with you, they ask youlots of questions, they listen, they
(19:07):
figure out what's going on andthey diagnose the problem correctly
and they, they give you some,some health guidance and some tips
and even maybe a prescriptionthat completely changes your life.
That's how it is with any professional.
So when you're going to afinancial planner or financial advisor,
it's important, important thatyou take your time to find the right
(19:29):
person.
You research, you find someonewho has maybe some things in common
with you.
You find someone who iscredentialed and has the education
in the background.
You find someone whospecializes in working with other
clients that are similar to you.
And then you interview themand you make sure that you get that
(19:50):
warm fuzzy feeling that, wow,this person has added so much value
in this 30 minute consultationor in this hour long consultation
that I feel like they reallycan add value in my life.
If you don't have that feelingwhen you talk to one of them, then
that's probably not the personfor you.
We're, we're not all createdequal and we don't all have expertise
(20:12):
in the same areas.
Someone might specialize inworking with families that have special
needs issues.
Someone might specialize inworking with, you know, LGBTQ issues.
Someone might specialize inworking with someone who has compulsive
spending or, you know, diffhoarding or whatever.
(20:33):
Everyone's so different, andthere's so many different areas of
expertise and specialties thatyou want to find someone that has
the skills and the qualitiesthat really fit with what you need.
That makes sense.
Stay tuned for more of womenroad warriors coming up.
(20:58):
Dean Michael, the tax doctor here.
I have one question for you.
Do you want to stop worryingabout the irs?
If the answer is yes, thenlook no further.
I've been around for years.
I've helped countless peopleacross the country, and my success
rate speaks for itself.
So now you know where to findgood, honest help with your tax problems.
What are you waiting for?
If you owe more than $10,000to the IRS or haven't filed in years,
(21:20):
call me now at 888-5574 or goto mytaxhelpmd.com for a free consultation
and get your life back.
Industry movement.
Trucking Moves America Forwardis telling the story of the industry.
Our safety champions, thewomen of trucking, independent contractors,
the next generation oftruckers, and more.
(21:41):
Help us promote the best ofour industry.
Share your story and what youlove about trucking, share images
of a moment you're proud ofand join us on social media.
Learn more@truckingmovesamerica.com.
Welcome back to Women Roadwarriors with Shelley Johnson and
(22:03):
Kathy Taccaro.
If you're enjoying thisinformative episode of Women Road
Warriors, I wanted to mentionKathy and I explore all kinds of
topics that will power you onthe road to success.
We feature a lot of expertinterviews, plus we feature celebrities
and women who've been trailblazers.
Please check out ourpodcast@womenroadwarriors.com and
(22:26):
click on our Episodes page.
We're also available whereveryou listen to podcasts on all the
major podcast channels likeSpotify, Apple, YouTube, Amazon,
Music, Audible, you name it.
Check us out and bookmark our podcast.
Also, don't forget to followus on.
Social media, on Twitter,Facebook, Instagram, Pinterest.
LinkedIn, YouTube and othersites and tell others about us.
(22:49):
We want to help as many womenas possible how do women guarantee
a financial nest egg or stopliving with more month than money?
There is a way people don'topenly talk about it, but money impacts
more people than you think,angela Moore says.
Many times we think we havegood financial habits, but we don't.
It's a matter of gainingcontrol over compulsive spending.
(23:11):
Many people don't know howmuch they should be saving when they're
able to do that.
You need to get real withyourself about how you look at money.
Get rid of the shame and guilt.
Stop blaming yourself.
Focus on the positive.
That way money managementwon't be negative and you won't hate
it because we don't like to dostuff we hate, Angela says.
You also need to change theway you think of money.
(23:33):
Reframe and find the rightfinancial advisor.
Interview that person to makesure you have a good fit.
Focus on your goals andvisualize what kind of life you want
to live so you can accomplish it.
Take ownership of your moneywith creative ways to increase your
income.
Figure out your strengths andhow to flip things so you can monetize
those skills.
(23:54):
Angela Moore helps women gainfinancial control with some great
insight.
She's a certified financialplanner and coach who's disrupting
the financial game.
She's the founder and CEO ofModern Money Education.
Angela, you said you need tofind the financial Advisor that really
fits.
You know, I think that'sprobably some of the best advice.
You need to have somebodywho's in your corner.
(24:16):
I mean, it's an intimidatingsubject to begin with.
You're taking risk, you'reentrusting somebody else with your
hard earned money.
And it does feel, especiallywith the stock market and that kind
of stuff, that it's kind oflike going to Las Vegas, you know,
and that.
And I think, you know, one ofthe things I always did when I was
(24:38):
working in wealth managementand as a financial planner is really
arming my clients with education.
A client needs to understandwhy their portfolio looks the way
it is.
Why is diversification important?
Why is their allocation this way?
Why?
You know, if the clientunderstands what y'all are doing
(25:02):
as a strategy, together as ateam, you and the client, that makes
all the difference.
Because if someone comes andthey say, man, my portfolio is not
doing well at all, it'sunderperforming the market.
You have to take a step deeperand say, well, is your portfolio
(25:22):
constructed in a way that'svery conservative, that's in line
with kind of your tolerancefor risk, and is constructed in a
way so that you're not losinga ton of money if the market tanks,
but you're getting a nice,smooth, consistent return over time.
And, you know, the other thingis some people don't need to take
a lot of risk to meet their,the outcome, the goal that they're
(25:44):
trying to get to.
If someone comes, you know,back in the day, if someone would
come to me and they only needa 4% return to meet every year to
meet their goals, why would Iput them in a portfolio that's going
to earn, you know, 30% butalso has the potential to lose 50%?
Right.
I'm not going to do that.
So if that person doesn'tunderstand why we set the portfolio
(26:08):
up the way we did, then they might.
Hey, Angela, the market's up30% and I'm only up, you know, 8%.
Why is that?
They have to understand.
So education has to be part of it.
Because to your point, we gothrough elementary school, middle
school, high school, college,grad school, dental school, law school,
and nobody's ever taught usabout personal finance.
(26:30):
No, as a, as a.
Go ahead, sorry.
No, that's very true.
And I've actually heard thatlike doctors and lawyers, they're
not really taught about business.
You know, they go out and theypractice medicine or they practice
law, but that's not covered.
And in order to be successful,they need to understand finance.
You're absolutely right.
(26:51):
We're not taught how to run a business.
We're not taught how to sell.
We're not taught how to build relationships.
We're just.
There's so many things that weare not taught.
And to your point, you can goout there and you can complete law
school or med school, and youstart a practice and you realize,
all I know how to do is how tooperate on someone.
(27:14):
I don't know any of this other stuff.
I don't know marketing.
I don't know finances.
I don't know any of this stuff.
And so that's why it's so important.
I always talk about.
It's very important to build a team.
It's also important who yousurround yourself with, who are your
friends, who are, you know,what are.
What podcasts do you listento, what kind of things do you consume?
(27:37):
And in terms of building aprofessional team, you know, I don't
think it's good enough just tohave a financial person.
You should have a lawyer, youshould have a tax person.
You might need a therapist.
You.
You might need, you know,having a Rolodex of people you can
reach out to when you have aquestion or when there's something
(28:00):
you need to learn or when youneed guidance on something makes
total sense.
You know, I think that there'sa lot of fear today.
Inflation is just has beenthrough the roof.
People trying to buy homes.
I mean, it's just amazing.
The mortgage rates have goneup, the prices have not come down
on real estate.
And if you have to buy a newvehicle, I stand back and wonder,
(28:22):
how the heck does a familyraise children and get a house?
The American dream, the NorthAmerican dream.
Buy that new car.
How do they do it?
The first thing I want to sayis that everything is cyclical.
So all things cycle throughups and downs.
So when, you know, right now,housing prices are high, interest
(28:46):
rates are high, you know,inflation is high, that doesn't mean
that it'll always be that way.
And what you don't want to dois make the mistake of feeling rushed
because, you know, oh, I needto buy a house now, because if I
don't, I'll miss out on my opportunity.
Or, you know, that feeling ofbeing driven by the fear of missing
(29:07):
out on something.
You always want to do thingsaligned with your own timing.
And when you're ready forsomething, especially when it comes
to buying a large purchaselike a house or a car, you want to
make sure that you're ready todo that.
Otherwise, just take your timeand try not to get caught up in the
(29:30):
chaos of the chatter ofeveryone else is doing this.
So I need to be doing it, liketry to block out the noise.
The second thing is, you'reabsolutely right, it's hard.
It's extremely hard.
Especially childcare andeverything else.
Oh, and super expensive.
It's ridiculously.
(29:51):
I have a 2 year old and a 4year old.
So childcare is very expensiveand so is housing.
I think that my answer is youhave to start thinking outside the
box.
There are markets where it'snot that expensive.
(30:12):
There are always going to beproperties that are less expensive
than market.
There are people renting wherethey live and buying investment property
elsewhere where they canafford to buy.
There's ways around it,there's ways to make investments,
there's ways to manage.
(30:33):
But you have to think outsidethe box.
And sometimes to do that,maybe it does require you to talk
to a professional or to startreading books or to enter some type
of coaching program or toreally start kind of tuning in to
people that are not like you.
(30:55):
I'll give you an example.
I attended some Grant Cardoneworkshop recently and he mentioned
that he had been on UndercoverBillionaire on tv and I wasn't even
aware of that.
So I started watching the showand there's three billionaires that
they put on there.
They gave them a dirty oldpickup truck, $100 and a cell phone
(31:18):
with no contacts in it.
And it had 90 days to create abusiness that is worth at least $1
million.
Grant Cardone created abusiness worth $5 million in that
90 day period.
Not only that, but it wasright during when the whole Covid
shutdown happened.
So he had to deal with all of that.
(31:38):
They all did.
Watching that show andabsorbing that content and seeing
how these three people, allthree of them, were able to successfully
start businesses with nothingbut $100 in their pocket.
Right?
That's amazing.
It is amazing.
And when you watch it, this iswhy I'm saying it's, it's a mind,
(31:59):
it's a mind shift thingbecause they know they can do it.
They went, hey, I've, I'vecreated multiple businesses.
I know how to do this, I cando it.
That mindset alone is whatmade them successful and the willingness
to do the work, obviously.
But I think that what I findinteresting about life and me, as
(32:20):
you know, in this business,obviously clients share very personal
things with you and you hearso many stories from health issues
to death, you know, a death inthe family, bankruptcies I mean,
businesses going out ofbusiness, lawsuits.
People are constantly facedwith challenges all the time.
(32:43):
Life is always like a roller coaster.
So you almost have to beunderstanding, like it's going to
happen.
It's a matter of when is thechallenge going to happen and how
am I going to overcome it?
There's always going to be something.
So you're right.
Right now it's inflation.
(33:03):
Housing prices are veryexpensive, you know, but we also
have record low unemployment.
We have.
Artificial intelligence isjust surging.
Everything can be done overthe Internet.
Nowadays you can connect withanyone all over the world.
There's 8 billion people inthe world.
(33:26):
If you can come up with someway to sell something to 10 of them
or to a hundred of them, youhave a way of making money.
There is a way.
And I think the biggest trapis, you know, getting caught up in
the doom and gloom.
You have to transcend that.
You have to say, well, that doesn't.
(33:48):
That doesn't apply to me.
I'm going to make it.
Yeah.
And going to be successful.
And oftentimes you can bedoing something and you have that
friend who says, well, that'snever going to work.
It's a negative Nelly message.
And it's not encouraging.
You don't need to have that,you know, especially, you know, because
I think determination, that's huge.
(34:10):
And you have to be focused.
You have to have a goal.
And people lose sight of those things.
That can be a major obstruction.
I kind of wanted.
I know this is such.
There's so much to unpack withthis topic.
In financial planning, whatare the most important things women
need to know to win at themoney game?
Because women have differentchallenges than men do.
(34:32):
I really think so.
Because they typically are thecaretakers as.
Well as the breadwinners.
I mean, they have lots of jobs.
Yes.
I don't want to soundnegative, because this might sound
negative, but you'reabsolutely right.
It's challenging.
Right.
If you have children, which Ican speak about this, because when
(34:55):
I was pregnant, I wasexhausted the whole time.
I didn't feel like working.
I was sick.
I just was tired.
After I had the baby, I was tired.
Now that they're older, I'mstill tired.
I'm tired all the time, and Idon't have my own time because I
have to take care of children.
And you're absolutely right.
(35:16):
It affects.
It can affect your ability towork the same as maybe a man would.
Yep.
You know, all things equal,like you said, at some point there's
the need potentially for youto be a caretaker, maybe your parents,
maybe someone in the family.
That role often falls on us.
(35:36):
So then that can affect ourability to earn the same way or work
the same way.
We have been.
In addition to that, we livelonger, typically.
Yeah.
So you have to compound thatwith also so living longer, being
caretaker, having children.
And then there's the income disparity.
(35:59):
And also there's alsodiscrimination that we face that
maybe we don't even realizewe've faced.
I had a job one time where,unbeknownst to me, accounts were
being given out, but they justweren't being given to me.
And there ended up being alarge lawsuit.
(36:20):
And the law firm haddocumentation showing that on average,
my male counterpart was beinggiven 17 accounts annually.
I had never been given an account.
So, you know, you.
Sometimes there are things,there's challenges that we face that
we don't even necessarilyunderstand or know about.
(36:43):
But one thing I've learnedabout women is no matter what we
are, we are overcomers.
We.
We do things very efficiently.
We do things very well.
It's almost like thechallenges have just made us stronger
and made us better.
And, you know, we do that.
We do that all the time, andwe do it well.
(37:06):
Yeah.
Women really are very resilient.
Of course, I thinkbiologically we have to be.
We have to think about ahundred million things and possibilities
just to raise children.
What's that kid going to bedoing next?
You can't just let them do something.
I mean, they could get hurt.
So we got to be thinking aboutthat while we're doing something
(37:26):
else.
Men don't do it as well.
Our brain compartmentalizes differently.
I think that they're more.
We have more neurons than fire.
Yeah.
It's the practice of having todo that constantly, having to manage
all of the mental space andhaving to think of more efficient
ways to do things.
(37:52):
Stay tuned for more of womenroad warriors coming up.
Dan Michael, the tax doctor here.
I have one question for you.
Do you want to stop worryingabout the irs?
If the answer is yes, thenlook no further.
I've been around for years.
I've helped countless peopleacross the country, and my success
rate speaks for itself.
(38:13):
So now you know where to findgood, honest help with your tax problems.
What are you waiting for?
If you owe more than $10,000to the IRS or haven't filed in years,
call me now at 888-557-4020 orgo to mytaxhelpmd.com for a free
consultation and.
Get your life back IndustryMovement Trucking Moves America Forward
is telling the story of the industry.
(38:35):
Our safety champion, the womenof trucking, independent contractors,
the next generation oftruckers, and more help us promote
the best of our industry.
Share your story and what youlove about trucking.
Share images of a momentyou're proud of and join us on social
media.
Learn more@truckingmovesamerica.com.
(39:00):
Welcome back to Women Roadwarriors with Shelley Johnson and
Kathy Ticaro.
Finding the correct financialadvisor is essential to making sure
you have a portfolio that canweather economic downturns.
Angela Moore says you need tohave an advisor who can explain things
to you.
(39:20):
She's a certified financialplanner and coach who's disrupting
the financial game.
She's the founder and CEO ofModern Money Education and she helps
women all over.
Education has to be part ofthe financial planning and management
process.
There are way too many thingswe're not taught in school in order
to achieve total success.
Finance is a very large partof our success and like it or not,
(39:42):
you need to build a team andsurround yourself with the messaging
and tools to learn how toachieve that.
Having a Rolodex of peoplewhen you have a question or guidance
is important.
Remember, everything is cyclical.
Life is always full of challenges.
It's a matter of making a planto overcome them.
Rise above the doom and gloom.
Inflation may be high now, butit may not be in the future.
(40:05):
Don't rush big financial decisions.
Don't be driven by fear.
Always do things that alignwith your own timing, especially
when it comes to a large purchase.
Take your time and don't getcaught up in the chaos.
There are always ways to makeinvestments successfully, but you
have to dig outside the boxand tune into people who are experts.
(40:26):
Angela, are there maybe somebasic steps?
We just have a few minutes left.
Some nuggets you can givewomen to get started achieving a
new mindset, financialplanning, securing their financial
future.
That's going to be successful?
Absolutely.
Something I tell everyone isstart with your goals, sit down and
(40:47):
actually write out your goals.
And then if you can begin tospeak them, be obviously be careful
who you speak them to, butspeak them to someone who encourages
you.
Because when you speak yourgoals now, there's almost like this
level of accountability.
And then thirdly, be sure tocreate some type of visual if you
(41:08):
can create a vision board oryou know, put your written goals
up on the wall so that you'reconstantly reminded of them.
Because what that does, ittriggers your reticular activating
system and it Brings kind ofyour subconscious thoughts into the
conscious realm, and it.
It submerges them.
So what happens is you startworking towards your goals subconsciously
(41:31):
and consciously.
You're more likely to achievethem that way.
And you're focused on the lifeyou want to live versus thinking
about, you know, the numbersand things like that.
The next step is to get veryclear on where you currently are.
That's by creating a budget ora spending plan, which you can download
for free if you go to mywebsite, which is modernmoney education.
(41:54):
The next step is to align yourgoals with your budget.
So start intentionallyallocating money towards things you
either love or things thatalign with your goals.
If there's something thatyou're spending money on every month
that does not help you achieveyour goals, and it's not something
that brings you extreme joy,then try to eliminate or reduce that
(42:17):
item.
That makes sense.
Yeah.
I mean, when you think aboutit, there's so many things that nickel
and dime us.
If you want to watch this or.
Listen to that $10 here, $7 amonth there may not seem like a lot,
but it adds up.
And these are some of thethings What, Kathy?
I'm sorry.
Starbucks.
Starbucks, yeah, exactly.
(42:38):
I mean, all these little things.
There was a financial plannerthat I had spoken with a number of
years ago that said the amountof money people spend on fast food
throughout their lifetimewould be astronomical if you actually
totaled it up.
Yeah.
And I think.
I think it's one of thosethings that is individual to everyone.
If Starbucks makes youextremely happy, then do it.
(43:01):
But if you're just goingthrough the motions, going to Starbucks
every day like it's nothing,then that's something that really
you can eliminate.
Right.
You can drink coffee for freeat work or at home.
If it's not something thatbrings you extreme joy.
It's the same with the otherexample you just.
You just gave of eating out.
If eating out makes youextremely happy, then budget it into
(43:24):
your monthly budget.
If it.
If it's something you just dobecause you just haven't planned
well, then, you know, put aplan together because you're right.
I think also the Starbucksexample, when you go to Starbucks,
you think in your mind, oh,I'm paying $2 for coffee.
No, you're paying $7 forcoffee, and then you're getting egg
(43:44):
bites.
So you're ending up spending15, and you're doing that every day.
So how much does that add up to?
And by the way, you don't evenremember doing it because it's so
habitual that it doesn't evenbring any value or joy to your life
whatsoever.
Sure, yeah.
So what's the point of doing it?
Exactly.
So, Angela, where do peoplefind you?
Do you work with people virtually?
(44:06):
I work with people virtually.
I do one on one coaching and Ialso have a program and I do speaking
engagements.
I do financial workshops andwellness, corporate wellness events.
And you can find me at ModernMoney Education and I'm also on social
media at Modern Money Education.
I love the fact that you havea program designed for women.
(44:28):
That's so important.
Yes.
You know, I just enjoy workingwith women.
I enjoy vibing.
A lot of my clients becomefriends of mine.
It's just a vibe and so Ijust, I love it.
And it's so needed.
This is going to empower so many.
Women, you know, and to yourpoint, it's just really important
(44:51):
to be comfortable with whoeveryou're working with because you're.
It's almost like getting undressed.
You're opening up all yourpersonal details and stuff.
And it's good to just feellike someone has your back and you
can trust them and you can beopen about things and they understand,
you know.
Yeah.
You don't feel as vulnerablebecause the world today, especially
(45:12):
since the pandemic, I think alot of people feel really exposed
and vulnerable.
Yeah, yeah, it's my, it's.
It's one of my goals to.
It's so important to not beatyourself up about anything.
Because a lot of these things,in a way, they're, they're systemic
(45:33):
and it's just a matter of usnot having the tools.
And so what it is, is what canI do today to arm myself with the
tools and arm myself with theknowledge and the team to help me
take one step every day in theright direction?
Because one day I'll wake upand I'll be where I want to be, but
(45:57):
I just gotta, you know, havethe courage to make a pivot.
Right.
Take it a day at a time.
I love this.
You've got some terrificinsight, Angela.
This is terrific.
I really appreciate you beingon the show.
Thank you.
Thank you for having me.
And I'm sure we could maybepick your brain at a future date.
(46:19):
Absolutely.
If something comes up andpeople have questions, we can say,
hey, we need to talk to Angela.
Yes, feel free to.
I would love to do this again.
And you know, there's so.
Obviously there's so many morethings we can talk about, but with
a limited time, keep it kindof high level.
But yeah, there's so manythings that we can explore further
(46:43):
for sure.
Well, bravo to what you're doing.
You're empowering a lot ofwomen and that's so important.
You just empowered me, just soyou know.
Thank you.
Well, y'all are.
I'm one of those who struggles.
I thank you.
Same to you both because youryour podcast is so enlightening and
motivational and it's justgreat to hear all these different
(47:04):
women who have had success andare contributing in one way or another.
So, you know, thank you fordoing this and thank you for having
me on.
You're very welcome.
It's been an honor.
Angela, we hope you've enjoyedthis latest episode.
And if you want to hear moreepisodes of Women Road warriors or
learn more about our show, besure to check out womenroadwarriors.com
(47:27):
and please follow us on social media.
And don't forget to subscribeto our podcast on our website.
We also have a selection ofpodcasts Just for Women.
They're a series of podcastsfrom different podcasters, so if
you're in the mood for women'spodcasts, just click the Power network
tab on womenroadwarriors.comyou'll have a variety of shows to
(47:48):
listen to anytime you want to.
Podcasts Made For Women WomenRoad warriors is on all the major
podcast channels like Apple,Spotify, Amazon, Audible, YouTube
and others.
So check us out and pleasefollow us wherever you listen to
podcasts.
Thanks for listening.
You've been listening to WomenRoad warriors years with Shelley
(48:10):
Johnson and Kathy Tacaro.
If you want to be a guest onthe show or have a topic or feedback,
email us at sjohnson@womenroadwarriors.com.
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