October 2, 2025 • 46 mins
Are you ready to stop struggling with money and start building real wealth? Debi uncovers Kathy Cuevas’ journey from broke single mom to millionaire. She was a former high school teacher turned financial coach inspiring women everywhere. She proves it’s never too late for women 40+ to take charge of their finances. Discover actionable tips on budgeting, investing, side hustles, and mindset shifts that create financial freedom, helping women rewrite their money story with confidence.
Debi Changes Lives is broadcast live Thursdays at 6PM ET on W4WN Radio - Women 4 Women Network (www.w4wn.com) part of Talk 4 Radio (www.talk4radio.com) on the Talk 4 Media Network (www.talk4media.com). Debi Changes Lives TV Show is viewed on Talk 4 TV (www.talk4tv.com).
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Debi Changes Lives is broadcast live Thursdays at 6PM ET on W4WN Radio - Women 4 Women Network (www.w4wn.com) part of Talk 4 Radio (www.talk4radio.com) on the Talk 4 Media Network (www.talk4media.com). Debi Changes Lives TV Show is viewed on Talk 4 TV (www.talk4tv.com).
Debi Changes Lives Podcast is also available on Talk 4 Media (www.talk4media.com), Talk 4 Podcasting (www.talk4podcasting.com), iHeartRadio, Amazon Music, Pandora, Spotify, Audible, and over 100 other podcast outlets.
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Speaker 1 (00:00):
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(00:20):
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Speaker 2 (00:21):
Thank you for choosing W four WN Radio.
Speaker 3 (00:51):
Welcome to my readio and TV show. Debbie Changes Lives.
I'm wie your certify Helissa health Coach. I revialize people's
lives by helping them identify the rook is that the
health of mindset issues and create a custom natural hastic
strategy to address them in the areas of mind buying
and soul. As a health coach on that lass a
that I heal, treat, cure, prefect, or diagnose any diseases.
(01:13):
I certainly can make a body more efficient by reducing symptoms,
You'll feel better, be more reductive, and joy life more Now.
Not many people have released seventy pounds had a health
of mindset transformation and kept fitting trim for over a decade.
I have and I have Stay Impowered has actually been
eleven years. I even became a half marathon runner at
(01:34):
the age of fifty one when I never read for childhood.
Dah du defo pain and I have done a half
marathon so far. Mindset is a key to lasting change.
As a certified holistic health coach, I do revialize people's
lives in many different areas of health and mindset. I
guide them a clean, toxic free food and high qualities
(01:56):
of essential nutrients. My coaching is for optimizing your health,
releasing weight efficiently when needed, and enhancing your mindset. With
my clients, I help them recognize that their thoughts, feelings,
and emotions drive their action and results, sometimes good and
sometimes bad. That's why it's crucial to have a positive
mindset in life. It's also imperative to release those low
(02:19):
vibrationial emotions such as fear, frustration, and doubt, because all
they're going to do is slow you down and get
you stuck physically, mentally, emotionally, and spiritually. Like aha air balloon.
With balass, I help my clients release those emotional balances
and baggage. So they get uplift to a better, healthier
(02:39):
and healthier life by releasing their stress and shaping their
corporolease and getting and they will be getting healthier and
they will feel and see the differences with my programs.
Ask me about them that they complementary consultations at DEBI
Changes Lives d EPI d H A n T E
(02:59):
s l I V as in victoryees dot com or
a slash thing treat l I m K T R
E E, and I'll guide you to that better, happier,
healthier life with custom solutions unique to you in the
areas of mind, body and soul. Now remember I have
a new collaboration with Alan's Defense. He's an international profiler
(03:20):
and communication specialist. It's called Your Face Reveals and Your
Mind Transforms, And it's two talks and one my talk
is master your mind and transform your life. So I'm
going to help you recognize that stress and emotions, think
your health, how to be aware of what to do,
and some techniques. Alan's topics is unlocking the secret language
(03:41):
of your face, where he's going to show you that
there's hidden traits in the face that you can recognize
for yourself and others so that you can communicate more
efficiently and have better relationships both in business and personal life. Now,
this life webinar is on Wednesday, October twenty second and
(04:02):
seven pm Pacific, and you can get more information at
the DOLI four slash your face reveals your mind transforms.
All is one word, and remember you'll get the recording,
the offers and discounts and even if you may not
be able to make it, but you need to purchase
the ticket, So go ahead and do that right now now.
(04:24):
I truly believe that health and wealth go hand in hand.
Health is something that you need if you want to
enjoy your wealth. And also health is wealth because it
gives you wellness. Today, my guest is Kathy koupis a
former high school business teacher term financial coach who broke
(04:47):
free from being a single mom and being broke and
became a millionaire. Now she helps women over forty to
ditch that guilt, build real wealth, and comfantly re our
financial futures. With practical coaching with no fluff. Kathy shows
women how to budget, invest, and thrive with grace and
(05:10):
no guilt. She's a perfect example of what she teaches,
and she retired early and now coaches by choice. How
does financial freedom affect how you serve others? Well, Kathy
is very passionate about helping others as she loves it.
So today we're going to be discussing secrets to millionaire
(05:32):
money wealth on financial freedom for women. So let's welcome
Kathy Kouvos, a financial coach and founder of Financial Freedom Pathway. Kathy,
welcome to my show.
Speaker 4 (05:45):
I think you did be happy to be here.
Speaker 3 (05:47):
Oh, I'm glad you can make it. It's going to be fun.
So with everybody's life, they have a turning point. What
was your turning point when you knew something had to
change financially?
Speaker 4 (06:00):
After my first divorce which went on for quite some time,
and I was starting I was beginning teacher, not making
a very lot of money. I think it was maybe
around twenty five thousand dollars back in the day, so
it wasn't even enough to cover the mortgage payment with
my take home pay, much less feed the girls stuff.
So I actually it was rock bottom and had my
(06:20):
first credit card. Ent Ever, it seems like it was
around seven thousand or so, and I think most of
it was to help feed and clothe the girls. Some
of it might have been an attorney retainer, but it
was overwhelming. I mean that seven thousand might as well
have been hundreds of thousands on a twenty five thousand
dollars salary with not even that much take home. So
it was really I was struggling with where to turn
(06:41):
it and how to make ends meet. It was. It
was probably my biggest low point.
Speaker 3 (06:45):
And with the girls young, and I got the two
of them right.
Speaker 4 (06:47):
Yeah, I have two girls. I think at that time
they were probably around eleven and twelve or early teens.
It depends on what part of through the dwarf because
the divorce process lasted about seven years and he was
no longer living the last three years, so it was
really a long ordeal and traumatic and difficult and everything else.
Speaker 3 (07:06):
Yeah, it's emotionally tanking and yeah, I can imagine you
were wiped out and the girls were probay you know beside. Yeah, fun,
no fun at all. Okay, So how do you help
women over forty who feel like it's too glad to
get their finances?
Speaker 4 (07:23):
Well, I picked that age because that was my turning
point once I started making more income, once he had
passed and I was getting a Social Security for the
girls till they were eighteen. I was able to pay
off that debt and pick up my bootstraps, finally get
any emergency account that I've never had, and eventually a
few years after that, like in my fifties, I think
started putting away in my retirement account. So I literally
(07:46):
started late after, you know, taking care of everything, and
then little at a time, I built it up. And
with my savings that I had, I was over probably
oversaving because of what I'd been through and didn't want
to go back there again, which everybody, once you've been there,
you don't want to go back. So I was an
excessive saber and that's what led me to have money
(08:07):
to start buying my rental properties later.
Speaker 3 (08:09):
On, and but that came in really handy. It's kind
of like when I lost my seventy pounds, I didn't
want to gain it back, There's no way. And then
I became a half marathon runner, and honestly, I was
never able to run my whole entire life. I was
even told that you'll never be a runner, and look
what I've done, and look what you've done. You know,
you learn how to save because you're put into that situation.
(08:31):
Yes it was fight or flight, Yeah, exactly exactly, But
you know what, it's a learning lesson for everybody. And
what's great is that you're now sharing your knowledge how
you did it.
Speaker 4 (08:43):
Yeah, that's it was important to me to always pay
it for and help others so that they would either
not have to go through what I did, or to
get through it faster if they were in the midst
of it or just waking up in their forties or
fifties and say, hey, I've got nothing in retirement. They
may not be living paycheck or paycheck, but just never
thought about their future because you never know what that holds,
whether you're married or not or whatever. So it was
(09:05):
it was an eye opener.
Speaker 3 (09:06):
Yeah, are you saying that you're tracking people that have
been in your situation before?
Speaker 4 (09:11):
Some of them, some are some new single parents, and
it's difficult because now it's like one income and still
almost all the bills they didn't get halfed or they
didn't get you know whatever. They're almost one and a
half from what they were before as far as your
portion of helping to pay for it. So a lot
of them have the same struggles and the same overwhelm,
(09:33):
the same concerns. You know, now, what do I do?
I never put in retirement, and like with my first husband,
we put everything in his company because they matched. So
even as a teacher, I didn't really think about the
forest pension we were paying. I never had anything in
a four or three B. I just I just didn't
have extra to do that. So it was having to
start from scratch in my late thirties to early forties.
Speaker 3 (09:56):
Yeah, that's tough, but at least from your journey you learned.
Maybe there's some resources that you got that you can
share that people have when they're in those desperate straits.
I'm sure you found some resources, and.
Speaker 4 (10:09):
I actually created them. I've always loved computers, and my
student teaching actually was on Apple to Ease, where you
had the big beast square floppies you put in with
their programs, so I remember those. I'm dating myself now.
I became really good at Excel, and I actually created
my own grading programs for school, you know, waiting my
tests and my class grade sixty fourty and having to
(10:31):
add all the numbers because I didn't want to be
the teacher with the old pen and paper, which is
what they all did to do grades and take hours
do it. So I did all that, but it regarding
my finances, I created my own budget sheets. I knew
how to put formulas in, so I added, you know,
I put my paycheck in one column, and I did
all my you know, custom made my spreadsheet, which is
an offer I have for later on. I did the
(10:52):
categories and I just simplified it. If the category didn't fit,
I changed it, or for a whole section didn't fit,
like for example, legal fees, I didn't have that, so
I just took that off the page and just made
it for me, and which made it easy. So then
I can easily start punching in numbers. And once you
see the numbers, a you know, I'm over spending. What
can I cut back on? Then when you know, you
(11:12):
cut the cable or you cut this, you cut that.
But I was kind of frugal before anyway. I just
never paid attention where money was going, and that's probably
the most important thing. People it was just a five
dollars latte. Yeah, but every day it's like eighteen hundred
a year. Yeah. They don't see that big number. And
I think, well, if you put eighteen hundred in bank account,
what would you have had with the interest and now
(11:32):
your money's paying you back not much at that time,
but you know, you get the idea that you don't
see the small leaks that are causing you from having
the big step forward.
Speaker 3 (11:41):
Yeah, well I have something similar to that. It's called
which it is going to be. I'm talking about the end,
but I have people do a daily action journal. And
when it comes to food, there's value is of food
and calories and carbs and how much you need and
things like that. And when people really learn how to
and I know a lot of people don't like doing it,
(12:03):
they probably want to spreadsheets, they'll learn the values of
food and they'll learn what is best for them to
eat and what is you know, gonna you know, something
they had to work really hard at but exercise to
get rid of. So but you know, you learn from
trial and error and you learn to modify and you
and you grew from that. And I'm sure you teach
(12:24):
that to your students because they have a different lifestyle,
not all of them, but you know, you know what
I mean.
Speaker 4 (12:29):
Well, I worked at a title when school they were
so they were ninety percent on free lunch, so they
were all impoverished. Some of them lived multiple families in
a house, some lived at up a garage of a house.
So I had one student at one time earlier before
I taught the finance class. She lived with her mother
in a car, so they were at the bottom with finances.
And the only thing I asked my kids to do
is tell your parents pay it forward, and a lot
(12:52):
of them did that, some that I came in contact
with after I retired. I was just very happy they
started their own businesses because the end of my class,
they had to write a bus just plan how they
started it with their own money and so forth. And
it was just nice to see that they found a
way out of their financial circumstance for their family and
helped them get out of there. So that was very rewarding,
no kidding.
Speaker 3 (13:11):
Because you saw from all of the work that you
put into all the things that you planted and just
developed wonderful fruit for others. That's great. That's great. Now,
what are the biggest mistakes you see women making? How
do you help them to fix it?
Speaker 4 (13:27):
I probably, like you mentioned earlier, the biggest mistake is
not tracking your money and if they don't like spreadsheets.
There are so many apps out there, and a lot
of them that are free to just log. You know,
because a lot of people they carry cash. I prefer
to carry carry the card, sting where I can see
line from line where my money went. But those people
that like to spend cash or have it in their polas,
say take one hundred a week or something, they don't.
They never know where it went. They just took another
(13:49):
hundred out, took another hundred out. So it's just tracking everything.
Some of the apps make it so easy.
Speaker 3 (13:54):
Yeah, I would think tracking cash is kind of difficult.
Let they get receipts from everything they get done.
Speaker 4 (13:59):
Your phone in your hand. I mean, who doesn't have
a phone to day and the app is right there,
so just instead of sending to text, so they pick
up the app and lo what you just spend money
on a lot of people, if they really want to,
they'll do it. So it has to they have to
really want to change their current circumstances. If they don't
want to change, you can't make them. So that's the
that's the thing. I don't take a client that's not
willing to make changes. If they really want different results.
Speaker 3 (14:22):
They you know, change is not hard. You make it
hard and you can do baby stamps to get there.
So it's really important that you know if you want
to better your life, it's going to be changed. I
think you can do it smaller or you can do
it big jumps. It's all up to the individual. I
can agree with that. I know that some people may
have visions that's like over forty eyes and maybe the
(14:44):
computer might be a better resource in the small phone.
So I'm sure those apps are on the phone as well, right,
or at least they well.
Speaker 4 (14:51):
The apps are on the phone, but if they want
the spreadsheet, they can track it, like even on a
notepad on their phone, just write down what they spend
money on. Or if they want to keep the receipts,
then they go home and on their laptop or desktop
and then put those receipts on their computer.
Speaker 3 (15:03):
So I meant the computer. There's some apps you can
get on the computer as well.
Speaker 4 (15:07):
Right, Oh yeah, well, I I love it was Mint money.
I loved Mint and it's no longer there, but there's
something that took us place. And I actually I'm using
lunch money with my clients and that's a really nice app.
I love it. It's on the computer, Yeah.
Speaker 3 (15:21):
Because it's probably easier to type it on the computer
because I have sometimes you know, there's tegos and my
text messages. I got to say that much sometimes even
in my emails. But anyways, and it's it's easier to
you know, see things on a computer versus a text
something on your phone. Now, as you know, you're told
(15:42):
you told us how you became rugal, and you teach
your clients to do that. But there's some side husts
have played in a role in your path are becoming
a millionaires? So can you explain some of those.
Speaker 4 (15:54):
I didn't really have a path. It was not anything
I ever envisioned or dreamed of it. I hate to say,
I just kind of fell into it because I was
such a saver. I had this money in my bank account,
let's say eighty or one hundred thousand dollars, and I
didn't really know. This was before I taught myself how
(16:15):
to invest. I was actually buying properties before I invested.
And if you remember, back in two thousand and seven,
eight and nine, the market took a huge correction and
three hundred and fifty thousand dollars. Properties were all selling
for under one hundred thousand dollars, and I picked up
three of them at I bought the first with cash
because cash buyers are queen are king, and then I
(16:36):
quickly refinanced it, took a loan out and bought the
second one, did the same thing, and bought the third one.
So I just, you know, that's where I started from,
just using one, and as they built equity, takeout more
and then buy another one. And I ended up, I think,
at the most a couple of years ago, I had five,
but I sold a couple off and I only have
three left, and I'm looking to sell two of those
(16:58):
my retirement house, single story, and then keep the one
I have is a rental, which would be more income
than the other ones. So I it's just I just
kind of fell into it. And in between there, I
taught myself through Motley Fool and different things. I was
very curious. I was a business major, obviously, and in college,
so that's how I got to teach the personal finance
(17:20):
class ones that came to my school, and I became
one of their best teachers that I actually got certified,
and I wrote the curriculum for the advanced course, and
then they passed to the other high schools. I went
to a lot of seminars on how to buy and
trade stocks, how to do options, and all the fancy
things I never thought you could ever do with no money.
You didn't really have table. I started with fifty dollars
(17:41):
in my trading account and now it's worth quite a
bit more. So it was it was. It was fun
and nice. I've had a lot of harsh lessons, but
you just nobody, not even more in Buffett is a
perfect investor. You win some, you lose some. That's you
have more wins and that's all that matters.
Speaker 3 (17:57):
Yeah. So, on a backtrack, did you actually said a
lot you know when you you bought you bought homes
right or do you bought condosmes or condoms?
Speaker 4 (18:07):
I have both homes and condos, yes, And did you.
Speaker 3 (18:10):
Find the homes are better than buy a condo? Me?
Speaker 4 (18:13):
It doesn't mean there's I don't find a difference to it.
They both pretty much appreciate it as well. Depends on
where there. It's all about location, location, location, As any
agent will tell you, I have some homes in gated communities,
some not that condos are in gated communities. I've had
homes that were not in gated communities and not the
best of areas. I rent them out pretty well until
(18:34):
the clientele started being a lower caliber that weren't taking
care of the property. And actually one tenant that was
evicted came back and torched it, set it on fire
while it was vacant, and that was after I cleaned
it up after her mess. So I've seen a lot
of horror stories and a lot of good stuff, but
it all you just have to, Like, I teach my
clients that are invest in interested in investing in properties
(18:56):
how to properly screen tenants and what to do. So
I teach them everything I learned from the School of
Hard Knocks.
Speaker 3 (19:01):
Well, you have like a list for them to look
out as they screened their tenants that might be a
potential tenants.
Speaker 4 (19:09):
I have questions that I tell them they need to
ask for how much income they need to have debt to,
you know, debt income ratio, And teach about a site
that I use that advertises everywhere when they have a
vacancy and things like that. It also screens and does
credit check, background checks, evictions and things like that depends
on what they want to do in the and the
tenants perspective. Tenants pay for it unless you want to
pay for it. But usually I have I have all
(19:30):
my tenants pay for their own screening report.
Speaker 3 (19:33):
Okay.
Speaker 4 (19:34):
You even that there's a lot of people, and probably
now more so than before, there's a lot of con
people as we know what this country is, you know,
come to so even if you're very careful, they might
have this suit and type that they just might be
another scamra using a fake ID. You can only do
so much. As long as you do your due diligence
ninety percent of the time, you'll be fine. Then you
(19:54):
make sure you have the right type of contracts you know.
Oh yes, I got I got my lease from a
really say agent. Actually I use that one. In fact,
I've got it updated now because now there's all kinds
of different forms for like lead based pain and mold
and things like that. There's all kinds of legal stuff
added in there. But I always update it from an
agent friend that I haven't get the CRM forms.
Speaker 3 (20:14):
Okay. And when it comes to investing, what you're doing
trading and things like that, it changes all the time,
and I assure you go to ongoing education for that.
Speaker 4 (20:24):
Well, investing doesn't change. Companies change, and it doesn't matter
what company you invest in as long as you like
I taught my students in my advanced course, they actually
learn how to trade like warm Buffett does, investigating companies
financial books and when the stock kids are certain price,
if they have a large moat and a bunch of
other things like that, that's important, a lot of cash
on their books, not loaded with debt. Then they look
(20:47):
at these good companies and when they come to a
really good price, you buy them and then you just
hold it for the long pull. You're not meant to
buy and sell. So it does. It's not necessarily having
more knowledge. Trading stocks does not change. Needs that change,
And there's a time where you if it's a really
good company, eventually twenty thirty years, you might have to
sell it because their components have changed, their mindset has changed,
(21:11):
or they got somebody new with the helmet. It's totally
changed the trajectory of the company, not for the better,
but maybe nonchalant versus more competitive companies. So it's just
looking for the companies. It's not necessarily the trading or
the education that's changed.
Speaker 3 (21:24):
Yeah, but you're what you're educating how to do it
is what I'm getting.
Speaker 4 (21:27):
Yea.
Speaker 3 (21:27):
So it's a structure that hasn't changed, but you're giving
the peoples to look for certain things.
Speaker 4 (21:32):
Yeah, I'm giving them the knowledge how to look for
good companies, not telling them what to invest in, because
that does change, You're right, yes.
Speaker 3 (21:38):
Yeah, Okay, So what's one mindset shift that changed everything
for you? And what do you wish for every woman
to know?
Speaker 4 (21:49):
Probably the main thing is that my current situation is
not my destiny. It's my starting point and I can
paint the picture the end of the road anyway. I
want it to be paid and just have to work
towards that. So you have to have a focus of
where you want to be. And it's just like give
my clients encouragement, Hey you've got this, you can do this.
I check with them between the weekly meetings just to
(22:10):
kind of be their biggest cheerleader, and they're open to
contact me if something comes of hey what should I
do type thing, and you know, educate them, not make
the decision for them, but equip them, Hey, well have
you looked at this? Have you looked at that you know,
you need to make the decision based upon all your facts.
You know, like I told my students, I would rather
be over cautious and look say look for the negative,
(22:30):
but be the devil's advocate. That's why I say the
devil's advocate. You think this company is great, but what
could possibly go wrong with it? You know, and think
of that. What if the economy changes, what will happen,
Like if you bought, for example, fast food, Like right now,
there's a big switch where fast food was getting more
clients and then the restaurants that were going out of
business saw that, so they started coming up with their
(22:52):
ten dollars meals or the kids free on Tuesdays and
Wednesdays to draw the crowd in from away from the McDonald's.
So if you get a ten dollars full meal, let
right strung. Yeah, you're paying a tip, but it's a
lot better, better bargain than that happy meal package box
whatever they have. So if the mind shift is mindset
has shifted, and now the restaurants are now being better
than fast food. If you want to go in the
food industry, if you're picking a specific stock versus a
(23:15):
mutual fund, so it depends on how safe like. If
you don't like my students, I didn't like picking stocks, well,
then look at mutual funds. What interest do you What
do you like because you want to buy a stock
you're passionate about, and there's passions in every field. Whether
you love nursing, you know, then you've got the medical field,
and what part of that do you like. Do you
like the geriatrics or do you like the you know,
the cancer cures or whatever. So there's all kinds of
(23:37):
funds based upon what you're interested, and to start delving
into what you like is the best way.
Speaker 3 (23:42):
I'm researching it, of course. And the thing is there's
so many different things out there in life millions, and
there's so much out there to research and find out
what we really like. Now, with your programs, what they
like for people who want to become a client one.
Speaker 4 (24:03):
It depends on how much need they have. I have
different lengths of programs, and if they start with a
shorter one, they're always welcome to take the money they
put in that one towards the next one and get
the benefits of that one for that term. My shortest
one is about eight six six weeks a month, and
a half, which is they just have simple budget issues
(24:24):
or if they just want to do something, if they
have more besides that, plus depth, plus they need to
start saving, then I would suggest easily the three month
or possibly the six month program. The sixth month is
the one that I have. It's one hour a week.
The other ones are half hour a week. So it
just depends once I speak with you and get to
know you on the initial consultation, how much help I
think you might need. I will never steer you towards
(24:46):
a high end if I think you can be fine
with one of the lower ones. So that's not you
know what I do. I'm like a fiduciary. I'm not
a fraducial, but I like when I will suggest what's
best for you, not what's best for me. So it
just depends on their needs.
Speaker 3 (25:00):
Exactly what I do with my coaching is it depends
on their needs whether and everyone has their own print health,
so everybody probably has of wealth, right, and so you
really need to look at what's going on the bottom
line and what is going to be more beneficial for
them because there's so many things that both of us
can offer, and I'm sure you create a unique thing
(25:22):
for them, no matter what size, week, number of weeks
it is. It's created to them, cater to them because
they have some weaknesses or some strengths, and you can say,
well you're doing really well here, but let's try to
work over here more. Am I right?
Speaker 4 (25:39):
Yeah? Well, because no two people are the same, there's
no cookie cutter. Anybody tries to sell you a cookie
cutter program, then that's not the one you want to
go to. There's a lot of coaches that offer individual
coaching based upon your needs, and that's exactly who you
want to seek out. Someone who's got your best interest
and knows you know. It takes time to listen to
you to really know what you need exactly exactly, because.
Speaker 3 (26:01):
That's what my consultations are all about, is that we
get to know each other and they get to know me.
I get to know them, and I will, you know,
pave a way to what they want to do, because
if I don't pave a way to what they want,
they want to do, just like you, they're not going
to do it because it has to be their decision,
(26:22):
you know, how they want to approach their health or
like for you, their wealth because maybe they have some
interest right now, that's important that they deal with at
that time.
Speaker 4 (26:32):
And sometimes they just want to buy a car and
they don't know how they can ever save up for it. Exactly,
they can't afford the big car payments. They want to
know how they can do it differently, And I say,
do you have to have that car or do you
see what? Do you need the car for? All a
bunch of people just to get from point A to
point B. Like I told my students, I said, when
you guys get out of college or high school, I said,
if you need that car for transportation for college, your
(26:55):
best bet is to buy a used car under five thousand.
First of all, you're at the agent too, you're twenty four.
Especially the boys, that this is the highest you're sure
JERVERA going to pay. Why get a more expensive car
that's going to cost you a whole lot more. Just
get the one that's the best transportation. And they all
kind of listen to that. I even taught them how
to get into college for a lot less. We had
a great college counselor too other counsel stuff, but just
(27:16):
I help it. Like I told, don't buy the class
room from Justin's I said, you can go to Walmart
and buy it for a quarter of the price. I
don't think the school like asb'd it likely you got
to learn how to spend your money. If you want
the same thing, you can get it less somewhere else.
So it's like, take this car and take care of it,
then sell it and trade it up for this car
after you've been saving money. Still pay cash for every car.
(27:38):
You know, whenever you've been saving the money and you
got this car, now you bought it for cash. I said,
first of all, don't you need to build your credit
at my student's age. You know, my adults already have
hopefully credit built. But if they don't, then I'll give
them something similar where you keep all the money for
cash and a credit union, not a bank, and then
you take half of it to put down on the
car and have the credit union take from your stavents
to the car loan, which helps you build credit. Credit,
(28:00):
which is one of the biggest things you need, one
of the factors of your credit report.
Speaker 3 (28:04):
So I say, each person is different, so it just
depends on where there at is to what guidance or
help I would give them exactly. It's exact same thing
with me, because everybody has a different issue with health,
and you know, we need a content transfer areas first
in order for that perution everywhere else, So to seek
exact same concept. And you know, when it comes to
(28:27):
buying a house and they have never bought a house,
or even maybe they just want to get a condom,
what do you recommend? I actually had I did a
I was a volunteer coach for a Woman's Money Matters,
and I was because I do a lot of volunteer work,
and I was hooked up with this girl who was
in her twenties.
Speaker 4 (28:43):
I believe she had three kids under five. She was single.
She had two goals for me to help her with.
She wanted to buy a card, she wanted to buy
a house. I said, I can probably help you buy
the car really soon, but the house is going to
take a lot more time. But because she was low income,
there's all kinds of programs open to them to either
how do the down payment or the match or something else.
So it depends on where they're Like they're making six
(29:04):
figures and don't have anything in the bank, Well, they're
obviously not going to qualify for low income subsidized loan somewhere,
so they just have to cut up and save it.
So they're going to be having more things cut out
of their spending and have that goes straight to save
before that down payment. And of course what houses these days.
Of course I'm in California, but even a modest bread
a four hundred thousand dollars condo or talking in a
(29:27):
two bedroom, like if it's a starter home for somebody,
that's going to take almost one hundred thousand down with
all your fees and everything, so they just to save
up for it. It's not the same as when I
was buying houses in full for cash for one hundred
thousand dollars. It's a little different now, but it could
still be done.
Speaker 3 (29:42):
Yeah, And they also have to pay property taxes and insurance,
so it's a lot more complicated. And I with the car,
you have to pay for car insurance too, so it's
something that they need to budget for. And I'm sure
you help them with that.
Speaker 4 (29:55):
Get the older car that doesn't cost you as much,
Like why do you want the car for for show?
Like for example, agent, they would need a nicer car
if they're taking clients out. If this is to get
you to a firm work. You can have that older car.
Who cares what you drive? You shouldn't care what you drive.
It's all about saving the money you're going to be
saving down the road.
Speaker 3 (30:10):
Yeah, unless you're driving many many miles. If you want
a car that doesn't break down.
Speaker 4 (30:16):
Really good gas mileage to not pay the money and gas.
So everybody's different. Yeah, it depends on what they need.
Speaker 3 (30:22):
Yeah, exactly. Well, do you have any other scenarios you
want to talk about regarding what you do for others,
because we went through your questions already.
Speaker 4 (30:31):
Well, a couple. Actually, I focus on women. But there
was a mail at church that was a single mail
and he had his own trucking company. He had his
own truck and he contracted the companies to do his
trucking and whatnot. But his problem with him and his
budget was he was kind of commingling his personal budget
(30:52):
with his business budget and his client city hauled for
weren't paying him in a time like seven days. They
weren't paying a time mattered. He let it go. I said,
you can't. You need to be firm up. So I
taught him about all that I told him about separate accounts,
and I asked to trust for many to you know,
take his paycheck out of the business acount put it
in any right war account. So I kind of taught
him all about those things. And he actually went to
(31:15):
buy a house a few months ago, but excuse me,
something happened with the dealing. He backed out, you lost
his deposit. I don't know what came up that he
didn't like, but at least he had money now to
put down for a house, you know, so he was
very happy with that. He learned his budget's going better.
He's actually buying a second truck now and going to
hire somebody to get almost double the income. Of course,
(31:37):
just pay them an hourly rate. So he's actually doing
quite well now. So I was very happy.
Speaker 3 (31:41):
So not only are you helping single moms or a
single man, but you're helping them, you know, with ideas
of how separating the costs between the business and personal,
which is really important. So I guess you do that
because when people are buying the homes, it's kind of
like the business in a way, so you kind of
show them how to do that.
Speaker 4 (32:00):
Well. I always, and even when I was married, I
was always the budgeter because that was just my thing.
It was very easy for me, so I would. I've
had couples also, but it's the woman I've dealt with,
and she's handling that she's never probably invested. Maybe the
husband did the investee. I'm kind of like teaching her.
You need to be aware of the books and you
know what he's buying it to have him work with
you haven't teach you. But if you're still a couple.
(32:22):
But I'd probably say sixty percent are single okay, work okay,
And I wouldn't get the couple I work with one
of the two usually when you were okay.
Speaker 3 (32:32):
You work with small businesses too, like a single mom.
Speaker 4 (32:35):
Not businesses. No, Primarily I'm personal finance. But the mail
I mentioned just happened to have his own business and
we were he was convoluting his business and personal income.
So I took you know, I didn't tell him how
to run, well, I didn'te him to run. I told
him that he should be more aggressive in his billing
and not let them pay later, have like a I
don't know, pay of, not a fine but a penalty
(32:58):
or something if were not paying on time. Things like that. Interest.
But it's just there's like a flat feet typically like
for example, you've heard the term maybe two ten at
thirty you get a ten percent and discount if you
pay within thirty days or within ten days, or you
pay all of it within thirty That doesn't apply to
his because they had to pay within seven days, but
the same principle they don't pay with the seven days
that you have a fifty dollars or a hundred pens
(33:19):
on maybe the cost of the project. How much you're
going to pay a fee for paying late? Yeah, I
know some some people that are single, and.
Speaker 3 (33:27):
I don't think they're I think they're commingling their business
with their personal life only because it's just the way
it seems.
Speaker 4 (33:35):
I hope they're coping with straightened that out because that
I know.
Speaker 3 (33:38):
But I some people they may even have a store
space that they're living in, which is really sad. But
people are doing it, and I've seen it happen. That's
why I ask question, Yeah, okay for the final idea,
their final idea you want to share before we talk
about your offers.
Speaker 4 (33:58):
Just I think really the biggest thing is is mindset
know that whatever your current circumstance is, it does not
define you. You can do and be whatever you want.
You just have to be desirabiling enough, eager enough, willing
to make changes because if you don't change, just like
putting a square peg in a round hole is never
(34:18):
going to fit. If you don't change some of your
spending habits, if that's what your problem is, or if
you never change tracking your money, you're never going to
have a change to see, hey, where can I start
saving the money out? So that's my biggest encouragement is
don't let your current circumstance define you, because that's not you.
You can write your picture and determine who you are.
Are you going to be that millionaire? If that's a
(34:40):
desire I said, it was never my desire, just happened.
I just want to be comfortable, you know, just be
able to pay my bills and have a little bit
of money to make for the emergency account. So everybody's individual,
But that's my best advice because a lot of people
commend depressed. This is me. I will always leave paycheck
to paycheck. I'll never be anything different. I'll never have
a bank account. But that's not true. Stop telling yourself
(35:01):
negative things. You can do whatever you want.
Speaker 3 (35:04):
On the exact same way because there's so many possibilities
with their health and if you tend to you know,
stay healthy, it's going to save you money overall on
medical bills. And it's just the way you need to focus.
What do you want to focus on now? What do
you want to do now?
Speaker 4 (35:19):
And there's always.
Speaker 3 (35:20):
Possibilities, always outcomes that you're going to reach. It's just
you're going to have to be patient with the able
to have faith and you know, and like you said,
you need a vision what you want to do at
the end. Some people can't do that, and at least
if they vision to a certain point, then they can
move over like a rabbit, go to the next one.
Speaker 4 (35:39):
My big vision was traveling the world when I retire,
and I've actually have been doing it for the last
three years, so that's great.
Speaker 3 (35:46):
Yeah, some people are kind of like that frog that
want to jump from one lily bad doing that, but
you know, in steps, so that's okay as well. So
what do you have what is your offer for my
audience today?
Speaker 4 (35:58):
Well, if if they're like most of the clients that
they come there at the at the bottom end of
the struggle, it will be too. Well, first of all,
have free consultation. I will talk to you see if
I can help you see maybe just give you free tips.
And that's all in part our ways that if you'd
like to subscribe to my newsletter, I will give you
that budget sheet I talked about, along with some steps
(36:20):
how to how to get there easier. So I've got
two handouts actually that will come with the first email,
and it's on budgeting, and right now I'm going like
on a course from budgeting, get further into it, then
go into maybe debt repayment, then switch to savings, and
then switch to investing, and then go back and start
the loop. But different different topics each time, so it's
a short I mail them out every other week, but
(36:42):
I would always give you the first one first if
you want. So, if anybody who signs up for my email,
you go to my web address Financialfreedompathway dot us, scroll
to the bottom of the page where there's the sign
up for my email, and I will get you on
the list and send you out that first email with
the first two things, the tips for the the newsletter
(37:04):
as well as the spreadsheet and the loose in my mind,
the steps to have to create that uh plan. I'm sorry,
my mind escapes me right now, but you'll get to.
Speaker 3 (37:18):
So you'll know. What if they sign up on a call,
do you get them at discount because you mentioned something,
so the tempescente disc get them if they sign up
with the package.
Speaker 4 (37:27):
Yeah, if they if they do on the first call, yes,
I'd offer them ten percent off whatever package they would want. Yes,
So thank you for reminding me about that one. Yeah,
that's definitely. That's a plus that they need it, but
some of them don't need it, which I find just
the free consultation or just the email if they think,
like if they're like me, they're very proactive, maybe just
the tips they get from the newsletters end up to
help straighten the amount. And that's I don't need to
(37:48):
sell them anything. I don't need the money. So if
they want, if they just want the newsletter, that's extremely
helpful to a lot of circumstances, not just picking on
one all the time.
Speaker 3 (37:56):
So it's fabulous. So again, her website Financial Freedom Pathways
that you ask and do you mention debe changes lives
so she knows where the league came from. So Kathy,
this is a wonderful offer and would you like to
be a guest again on my show.
Speaker 4 (38:12):
I'd love to anybody I could help. I'd love to help.
Thank you.
Speaker 3 (38:15):
You're welcome. So please stick around for closing remarks. You
have about a minute after I go through my rest
of the information I have to go through. Okay, so
stick around now. Remember I do revialize people's lives in
many different areas and health and mindset. I still start
with your gut and your mindset. I do work with
hormones as well as blood, sugar, bone and joint Brandon
(38:35):
heart immunity, and I love helping people that have anxiety
issues as well as athletes. I guide you to clean
toxic refuse and high quality central nutrient products, or I
do symptoms. You'll feel better and possibly lose way and
you'll uplift your mood. With my mindset coaching, I help you,
you know, release that stress, emotions and emotional intangments from
(38:59):
the past us as well as you're reshaping your core
beliefs so you're more successful. So your mindset is going
to be more enhanced. With my health organization and weight release,
your body is more efficient. That's the mind body solution
that makes your hearts thing to ask me about my programs.
Set a couple of under consultation at Debbie Changes Lives.
That's d E B I c h A n G
(39:21):
E S l I V as in victory e s
dot com or slash link tree l I n K
t R e E. And there you get to know me.
I get to know you. You get the next slide
and I can guide you into your to your optimum health.
And there's two and involves two assessments. The first one
here is the health evaluation where you can rate your symptoms,
(39:45):
last three days and four categories of health. Some questions
are a different category, so answer them all. You get
a baseline score. I review it with you, and when
you move four of my services, I create that custom
natural classic strategy for you and monitor on a monthly
basis of your progress. I also have two different body zydoscans.
(40:05):
I prefer to do Zido zero link because I can
do it remotely and internationally. It's actually went to Australia
and also South Africa. Now. The zero is a transdermal
optical imaging app. I send a link to your phone,
you scan your face for thirty seconds. It's only going
through your skin looking at glove flow for components of energetic, functional,
(40:27):
and emotional and different body systems and lifestyles. The emotional
component is such a hidden gem. It creates a wellness report,
not diagnosis, of biomarkers out range and products and services
that bring it back inter range and I review it
with you. The cost of the scan is seventy five
dollars because it's very intensive report, and when you move
(40:47):
forward with my surfaces, you'll get a twenty five dollars
discount either on a product or a program. The zero
Link is a transdermal optical imaging app also Noah as
TOOI and you can look up an accuracy on pub
med gov that's pub m ME, d dot g o
V and find out more about that scan. Also, when
(41:07):
people do the scan, they're really amazed what their body
tells them, and you'd be too if you can first
ask me questions on my site, on my consultation, or
just simply get it done and see what it's all about.
Also on the site or my programs, take your you
can go to the next slide Take your Body Back
is my twelve week wait release my the coaching program
(41:27):
where you going to be utilize a new version of
you to drive you to the sas all coaching is
done on Zoom, and the first one is always private
to you because I am a certified HIPPOC compliant health
coach and any evaluation is private, so I go with
three year evaluations. I give you a choice now of
three different type of programs, and I give you directions
(41:48):
on the one that you chose. I also give you
directions how to create the new version of you. They'll
drive you with emotional passion to achieve your health and
way transformational goal throughout the journey, and the rest of
the coaching runs in group where private is the same.
Would be celebrating your wins. I'll be getting over against
with health the minsage tips, and also I'll be showing
(42:11):
you how you can use those words to move you forward.
Now you will become a new you. You can ask
me questions on my consultation because my older program I've
been telling you to go to doesn't have a third
program in it, So you're just asking me. You know
which ones that you want to do, and I'll tell
you what you have a choice of.
Speaker 4 (42:30):
Now.
Speaker 3 (42:30):
Why FISK the inimate Infesting program is a inimate infesting
program that gets yoursell somebody humming and turn this iss
your metabolism with rich dense nutrition, high qualities and nutrients.
And I also has exercise and recipes here you would
ask me questions and if you feel like you need
some coaching, I do have a two or four we
(42:50):
program to get you started. It's up to you whether
you want to pay for more coaching after that. You
could use a smaller programs from midset coaching and health
authorization coaching, but truly those are long term journeys that
goes to create a custom program for you. Now Here
are some new programs I have and they're they're different.
So one of them is for people for women who
(43:13):
are speaking into perimenopause and menopause, and this is a
complete health system called HOPE. And it's interesting that menopause
has has generic symptoms. There's a lot of symptoms that
you don't realize they have and they're a menopause. So
I have a solution. I coach you through that if
you need that coaching, but at least you have these
product line and I also have a natural DLP program
(43:38):
which is a yg y g OP thirty day system
that you can use, and it's all natural. The shots
are not actually injectorical. Shots are just a drink and
the other two are drinks as well. And you can
be losing some weight this way as well, you know,
but it's a natural way to go, and it's not
going to mess up your gut. You're going to make
(44:00):
your function better. The contact me about that. I can
add coaching to that if you want, and you'll be
releasing weight and I want to make sure you keep
the weight off too. And finally, learn more about you.
Speaker 4 (44:14):
Go to the next slide.
Speaker 3 (44:16):
Learn more about my services, products, programs that offers as
well as articles and blogs and upcoming shows and events
and promise by describing to my newsletter which is at
debe changes lives dot com for a such radio TV show,
and I'll give you a gift of that thirty day
Health of mindset Daily Action General, which I kind of
(44:36):
told you about a little bit, where you where you're
going to at track your gratitudes, thoughts, feelings and emotions.
You're a wearable food, water, supplements and excise you do
on a daily basis. You can track your measurements and
then you want to review it on a daily, weekly,
monthly basis and see your wins and celebrate them. Find
your gaps to work on, or you reach out to
me from coaching to get you over the gaps. And
this is a great health of mindset awareness. I am
(44:59):
certain that you found the show educational, eye opening and
you got some great tips from Kathy. Reach out to
me my services programs, products and offers, and reach out
to Kathy for her services offers. And I think we
have some time for Kathy to come back for closing
your remarks. Hi, Hi, So is there anything else you
(45:20):
want to say?
Speaker 4 (45:23):
Not that I can think about it? And this is
just a passion of mine. I don't do it out
of the need for the income. So I'm truly here
with the servants heart to help people and I love
to help as many as I can, but I do
only take on two clients a month because I am
enjoying my retirement.
Speaker 3 (45:36):
Hey, I don't blame you, you know what, that's pretty much.
I thought you just do it because you just love
doing it and you want to help others. So and
that's pretty much. I'm passionate about revitalizing people's health too.
And you know, when you have people like us to
coach you. You're going to get a lot further on
because we really are in there in the trenches to
(45:56):
help you get through through your journey. So reach out
to Kathy for your financial advisement regarding you know, budgeting, investing,
and other things that she can offer you. Reach out
to me from the health perspective. I remember health and
wealth go to hand in hand. Don't you agree? Yes, definitely, Okay,
(46:17):
So remember continue to watch my radio and TV show
Debut Changes lives on Thursdays at three pm Pacific six
pm Eastern, where your holistic journey begins.
The topics and opinions expressed on the following show are
solely those of the hosts and their guests, and not
those of W four WN Radio It's employees or affiliates.
We make no recommendations or endorsements for radio show programs, services,
or products mentioned on air or on our web. No liability,
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(00:20):
be directed to those show hosts.
Speaker 2 (00:21):
Thank you for choosing W four WN Radio.
Speaker 3 (00:51):
Welcome to my readio and TV show. Debbie Changes Lives.
I'm wie your certify Helissa health Coach. I revialize people's
lives by helping them identify the rook is that the
health of mindset issues and create a custom natural hastic
strategy to address them in the areas of mind buying
and soul. As a health coach on that lass a
that I heal, treat, cure, prefect, or diagnose any diseases.
(01:13):
I certainly can make a body more efficient by reducing symptoms,
You'll feel better, be more reductive, and joy life more Now.
Not many people have released seventy pounds had a health
of mindset transformation and kept fitting trim for over a decade.
I have and I have Stay Impowered has actually been
eleven years. I even became a half marathon runner at
(01:34):
the age of fifty one when I never read for childhood.
Dah du defo pain and I have done a half
marathon so far. Mindset is a key to lasting change.
As a certified holistic health coach, I do revialize people's
lives in many different areas of health and mindset. I
guide them a clean, toxic free food and high qualities
(01:56):
of essential nutrients. My coaching is for optimizing your health,
releasing weight efficiently when needed, and enhancing your mindset. With
my clients, I help them recognize that their thoughts, feelings,
and emotions drive their action and results, sometimes good and
sometimes bad. That's why it's crucial to have a positive
mindset in life. It's also imperative to release those low
(02:19):
vibrationial emotions such as fear, frustration, and doubt, because all
they're going to do is slow you down and get
you stuck physically, mentally, emotionally, and spiritually. Like aha air balloon.
With balass, I help my clients release those emotional balances
and baggage. So they get uplift to a better, healthier
(02:39):
and healthier life by releasing their stress and shaping their
corporolease and getting and they will be getting healthier and
they will feel and see the differences with my programs.
Ask me about them that they complementary consultations at DEBI
Changes Lives d EPI d H A n T E
(02:59):
s l I V as in victoryees dot com or
a slash thing treat l I m K T R
E E, and I'll guide you to that better, happier,
healthier life with custom solutions unique to you in the
areas of mind, body and soul. Now remember I have
a new collaboration with Alan's Defense. He's an international profiler
(03:20):
and communication specialist. It's called Your Face Reveals and Your
Mind Transforms, And it's two talks and one my talk
is master your mind and transform your life. So I'm
going to help you recognize that stress and emotions, think
your health, how to be aware of what to do,
and some techniques. Alan's topics is unlocking the secret language
(03:41):
of your face, where he's going to show you that
there's hidden traits in the face that you can recognize
for yourself and others so that you can communicate more
efficiently and have better relationships both in business and personal life. Now,
this life webinar is on Wednesday, October twenty second and
(04:02):
seven pm Pacific, and you can get more information at
the DOLI four slash your face reveals your mind transforms.
All is one word, and remember you'll get the recording,
the offers and discounts and even if you may not
be able to make it, but you need to purchase
the ticket, So go ahead and do that right now now.
(04:24):
I truly believe that health and wealth go hand in hand.
Health is something that you need if you want to
enjoy your wealth. And also health is wealth because it
gives you wellness. Today, my guest is Kathy koupis a
former high school business teacher term financial coach who broke
(04:47):
free from being a single mom and being broke and
became a millionaire. Now she helps women over forty to
ditch that guilt, build real wealth, and comfantly re our
financial futures. With practical coaching with no fluff. Kathy shows
women how to budget, invest, and thrive with grace and
(05:10):
no guilt. She's a perfect example of what she teaches,
and she retired early and now coaches by choice. How
does financial freedom affect how you serve others? Well, Kathy
is very passionate about helping others as she loves it.
So today we're going to be discussing secrets to millionaire
(05:32):
money wealth on financial freedom for women. So let's welcome
Kathy Kouvos, a financial coach and founder of Financial Freedom Pathway. Kathy,
welcome to my show.
Speaker 4 (05:45):
I think you did be happy to be here.
Speaker 3 (05:47):
Oh, I'm glad you can make it. It's going to be fun.
So with everybody's life, they have a turning point. What
was your turning point when you knew something had to
change financially?
Speaker 4 (06:00):
After my first divorce which went on for quite some time,
and I was starting I was beginning teacher, not making
a very lot of money. I think it was maybe
around twenty five thousand dollars back in the day, so
it wasn't even enough to cover the mortgage payment with
my take home pay, much less feed the girls stuff.
So I actually it was rock bottom and had my
(06:20):
first credit card. Ent Ever, it seems like it was
around seven thousand or so, and I think most of
it was to help feed and clothe the girls. Some
of it might have been an attorney retainer, but it
was overwhelming. I mean that seven thousand might as well
have been hundreds of thousands on a twenty five thousand
dollars salary with not even that much take home. So
it was really I was struggling with where to turn
(06:41):
it and how to make ends meet. It was. It
was probably my biggest low point.
Speaker 3 (06:45):
And with the girls young, and I got the two
of them right.
Speaker 4 (06:47):
Yeah, I have two girls. I think at that time
they were probably around eleven and twelve or early teens.
It depends on what part of through the dwarf because
the divorce process lasted about seven years and he was
no longer living the last three years, so it was
really a long ordeal and traumatic and difficult and everything else.
Speaker 3 (07:06):
Yeah, it's emotionally tanking and yeah, I can imagine you
were wiped out and the girls were probay you know beside. Yeah, fun,
no fun at all. Okay, So how do you help
women over forty who feel like it's too glad to
get their finances?
Speaker 4 (07:23):
Well, I picked that age because that was my turning
point once I started making more income, once he had
passed and I was getting a Social Security for the
girls till they were eighteen. I was able to pay
off that debt and pick up my bootstraps, finally get
any emergency account that I've never had, and eventually a
few years after that, like in my fifties, I think
started putting away in my retirement account. So I literally
(07:46):
started late after, you know, taking care of everything, and
then little at a time, I built it up. And
with my savings that I had, I was over probably
oversaving because of what I'd been through and didn't want
to go back there again, which everybody, once you've been there,
you don't want to go back. So I was an
excessive saber and that's what led me to have money
(08:07):
to start buying my rental properties later.
Speaker 3 (08:09):
On, and but that came in really handy. It's kind
of like when I lost my seventy pounds, I didn't
want to gain it back, There's no way. And then
I became a half marathon runner, and honestly, I was
never able to run my whole entire life. I was
even told that you'll never be a runner, and look
what I've done, and look what you've done. You know,
you learn how to save because you're put into that situation.
(08:31):
Yes it was fight or flight, Yeah, exactly exactly, But
you know what, it's a learning lesson for everybody. And
what's great is that you're now sharing your knowledge how
you did it.
Speaker 4 (08:43):
Yeah, that's it was important to me to always pay
it for and help others so that they would either
not have to go through what I did, or to
get through it faster if they were in the midst
of it or just waking up in their forties or
fifties and say, hey, I've got nothing in retirement. They
may not be living paycheck or paycheck, but just never
thought about their future because you never know what that holds,
whether you're married or not or whatever. So it was
(09:05):
it was an eye opener.
Speaker 3 (09:06):
Yeah, are you saying that you're tracking people that have
been in your situation before?
Speaker 4 (09:11):
Some of them, some are some new single parents, and
it's difficult because now it's like one income and still
almost all the bills they didn't get halfed or they
didn't get you know whatever. They're almost one and a
half from what they were before as far as your
portion of helping to pay for it. So a lot
of them have the same struggles and the same overwhelm,
(09:33):
the same concerns. You know, now, what do I do?
I never put in retirement, and like with my first husband,
we put everything in his company because they matched. So
even as a teacher, I didn't really think about the
forest pension we were paying. I never had anything in
a four or three B. I just I just didn't
have extra to do that. So it was having to
start from scratch in my late thirties to early forties.
Speaker 3 (09:56):
Yeah, that's tough, but at least from your journey you learned.
Maybe there's some resources that you got that you can
share that people have when they're in those desperate straits.
I'm sure you found some resources, and.
Speaker 4 (10:09):
I actually created them. I've always loved computers, and my
student teaching actually was on Apple to Ease, where you
had the big beast square floppies you put in with
their programs, so I remember those. I'm dating myself now.
I became really good at Excel, and I actually created
my own grading programs for school, you know, waiting my
tests and my class grade sixty fourty and having to
(10:31):
add all the numbers because I didn't want to be
the teacher with the old pen and paper, which is
what they all did to do grades and take hours
do it. So I did all that, but it regarding
my finances, I created my own budget sheets. I knew
how to put formulas in, so I added, you know,
I put my paycheck in one column, and I did
all my you know, custom made my spreadsheet, which is
an offer I have for later on. I did the
(10:52):
categories and I just simplified it. If the category didn't fit,
I changed it, or for a whole section didn't fit,
like for example, legal fees, I didn't have that, so
I just took that off the page and just made
it for me, and which made it easy. So then
I can easily start punching in numbers. And once you
see the numbers, a you know, I'm over spending. What
can I cut back on? Then when you know, you
(11:12):
cut the cable or you cut this, you cut that.
But I was kind of frugal before anyway. I just
never paid attention where money was going, and that's probably
the most important thing. People it was just a five
dollars latte. Yeah, but every day it's like eighteen hundred
a year. Yeah. They don't see that big number. And
I think, well, if you put eighteen hundred in bank account,
what would you have had with the interest and now
(11:32):
your money's paying you back not much at that time,
but you know, you get the idea that you don't
see the small leaks that are causing you from having
the big step forward.
Speaker 3 (11:41):
Yeah, well I have something similar to that. It's called
which it is going to be. I'm talking about the end,
but I have people do a daily action journal. And
when it comes to food, there's value is of food
and calories and carbs and how much you need and
things like that. And when people really learn how to
and I know a lot of people don't like doing it,
(12:03):
they probably want to spreadsheets, they'll learn the values of
food and they'll learn what is best for them to
eat and what is you know, gonna you know, something
they had to work really hard at but exercise to
get rid of. So but you know, you learn from
trial and error and you learn to modify and you
and you grew from that. And I'm sure you teach
(12:24):
that to your students because they have a different lifestyle,
not all of them, but you know, you know what
I mean.
Speaker 4 (12:29):
Well, I worked at a title when school they were
so they were ninety percent on free lunch, so they
were all impoverished. Some of them lived multiple families in
a house, some lived at up a garage of a house.
So I had one student at one time earlier before
I taught the finance class. She lived with her mother
in a car, so they were at the bottom with finances.
And the only thing I asked my kids to do
is tell your parents pay it forward, and a lot
(12:52):
of them did that, some that I came in contact
with after I retired. I was just very happy they
started their own businesses because the end of my class,
they had to write a bus just plan how they
started it with their own money and so forth. And
it was just nice to see that they found a
way out of their financial circumstance for their family and
helped them get out of there. So that was very rewarding,
no kidding.
Speaker 3 (13:11):
Because you saw from all of the work that you
put into all the things that you planted and just
developed wonderful fruit for others. That's great. That's great. Now,
what are the biggest mistakes you see women making? How
do you help them to fix it?
Speaker 4 (13:27):
I probably, like you mentioned earlier, the biggest mistake is
not tracking your money and if they don't like spreadsheets.
There are so many apps out there, and a lot
of them that are free to just log. You know,
because a lot of people they carry cash. I prefer
to carry carry the card, sting where I can see
line from line where my money went. But those people
that like to spend cash or have it in their polas,
say take one hundred a week or something, they don't.
They never know where it went. They just took another
(13:49):
hundred out, took another hundred out. So it's just tracking everything.
Some of the apps make it so easy.
Speaker 3 (13:54):
Yeah, I would think tracking cash is kind of difficult.
Let they get receipts from everything they get done.
Speaker 4 (13:59):
Your phone in your hand. I mean, who doesn't have
a phone to day and the app is right there,
so just instead of sending to text, so they pick
up the app and lo what you just spend money
on a lot of people, if they really want to,
they'll do it. So it has to they have to
really want to change their current circumstances. If they don't
want to change, you can't make them. So that's the
that's the thing. I don't take a client that's not
willing to make changes. If they really want different results.
Speaker 3 (14:22):
They you know, change is not hard. You make it
hard and you can do baby stamps to get there.
So it's really important that you know if you want
to better your life, it's going to be changed. I
think you can do it smaller or you can do
it big jumps. It's all up to the individual. I
can agree with that. I know that some people may
have visions that's like over forty eyes and maybe the
(14:44):
computer might be a better resource in the small phone.
So I'm sure those apps are on the phone as well, right,
or at least they well.
Speaker 4 (14:51):
The apps are on the phone, but if they want
the spreadsheet, they can track it, like even on a
notepad on their phone, just write down what they spend
money on. Or if they want to keep the receipts,
then they go home and on their laptop or desktop
and then put those receipts on their computer.
Speaker 3 (15:03):
So I meant the computer. There's some apps you can
get on the computer as well.
Speaker 4 (15:07):
Right, Oh yeah, well, I I love it was Mint money.
I loved Mint and it's no longer there, but there's
something that took us place. And I actually I'm using
lunch money with my clients and that's a really nice app.
I love it. It's on the computer, Yeah.
Speaker 3 (15:21):
Because it's probably easier to type it on the computer
because I have sometimes you know, there's tegos and my
text messages. I got to say that much sometimes even
in my emails. But anyways, and it's it's easier to
you know, see things on a computer versus a text
something on your phone. Now, as you know, you're told
(15:42):
you told us how you became rugal, and you teach
your clients to do that. But there's some side husts
have played in a role in your path are becoming
a millionaires? So can you explain some of those.
Speaker 4 (15:54):
I didn't really have a path. It was not anything
I ever envisioned or dreamed of it. I hate to say,
I just kind of fell into it because I was
such a saver. I had this money in my bank account,
let's say eighty or one hundred thousand dollars, and I
didn't really know. This was before I taught myself how
(16:15):
to invest. I was actually buying properties before I invested.
And if you remember, back in two thousand and seven,
eight and nine, the market took a huge correction and
three hundred and fifty thousand dollars. Properties were all selling
for under one hundred thousand dollars, and I picked up
three of them at I bought the first with cash
because cash buyers are queen are king, and then I
(16:36):
quickly refinanced it, took a loan out and bought the
second one, did the same thing, and bought the third one.
So I just, you know, that's where I started from,
just using one, and as they built equity, takeout more
and then buy another one. And I ended up, I think,
at the most a couple of years ago, I had five,
but I sold a couple off and I only have
three left, and I'm looking to sell two of those
(16:58):
my retirement house, single story, and then keep the one
I have is a rental, which would be more income
than the other ones. So I it's just I just
kind of fell into it. And in between there, I
taught myself through Motley Fool and different things. I was
very curious. I was a business major, obviously, and in college,
so that's how I got to teach the personal finance
(17:20):
class ones that came to my school, and I became
one of their best teachers that I actually got certified,
and I wrote the curriculum for the advanced course, and
then they passed to the other high schools. I went
to a lot of seminars on how to buy and
trade stocks, how to do options, and all the fancy
things I never thought you could ever do with no money.
You didn't really have table. I started with fifty dollars
(17:41):
in my trading account and now it's worth quite a
bit more. So it was it was. It was fun
and nice. I've had a lot of harsh lessons, but
you just nobody, not even more in Buffett is a
perfect investor. You win some, you lose some. That's you
have more wins and that's all that matters.
Speaker 3 (17:57):
Yeah. So, on a backtrack, did you actually said a
lot you know when you you bought you bought homes
right or do you bought condosmes or condoms?
Speaker 4 (18:07):
I have both homes and condos, yes, And did you.
Speaker 3 (18:10):
Find the homes are better than buy a condo? Me?
Speaker 4 (18:13):
It doesn't mean there's I don't find a difference to it.
They both pretty much appreciate it as well. Depends on
where there. It's all about location, location, location, As any
agent will tell you, I have some homes in gated communities,
some not that condos are in gated communities. I've had
homes that were not in gated communities and not the
best of areas. I rent them out pretty well until
(18:34):
the clientele started being a lower caliber that weren't taking
care of the property. And actually one tenant that was
evicted came back and torched it, set it on fire
while it was vacant, and that was after I cleaned
it up after her mess. So I've seen a lot
of horror stories and a lot of good stuff, but
it all you just have to, Like, I teach my
clients that are invest in interested in investing in properties
(18:56):
how to properly screen tenants and what to do. So
I teach them everything I learned from the School of
Hard Knocks.
Speaker 3 (19:01):
Well, you have like a list for them to look
out as they screened their tenants that might be a
potential tenants.
Speaker 4 (19:09):
I have questions that I tell them they need to
ask for how much income they need to have debt to,
you know, debt income ratio, And teach about a site
that I use that advertises everywhere when they have a
vacancy and things like that. It also screens and does
credit check, background checks, evictions and things like that depends
on what they want to do in the and the
tenants perspective. Tenants pay for it unless you want to
pay for it. But usually I have I have all
(19:30):
my tenants pay for their own screening report.
Speaker 3 (19:33):
Okay.
Speaker 4 (19:34):
You even that there's a lot of people, and probably
now more so than before, there's a lot of con
people as we know what this country is, you know,
come to so even if you're very careful, they might
have this suit and type that they just might be
another scamra using a fake ID. You can only do
so much. As long as you do your due diligence
ninety percent of the time, you'll be fine. Then you
(19:54):
make sure you have the right type of contracts you know.
Oh yes, I got I got my lease from a
really say agent. Actually I use that one. In fact,
I've got it updated now because now there's all kinds
of different forms for like lead based pain and mold
and things like that. There's all kinds of legal stuff
added in there. But I always update it from an
agent friend that I haven't get the CRM forms.
Speaker 3 (20:14):
Okay. And when it comes to investing, what you're doing
trading and things like that, it changes all the time,
and I assure you go to ongoing education for that.
Speaker 4 (20:24):
Well, investing doesn't change. Companies change, and it doesn't matter
what company you invest in as long as you like
I taught my students in my advanced course, they actually
learn how to trade like warm Buffett does, investigating companies
financial books and when the stock kids are certain price,
if they have a large moat and a bunch of
other things like that, that's important, a lot of cash
on their books, not loaded with debt. Then they look
(20:47):
at these good companies and when they come to a
really good price, you buy them and then you just
hold it for the long pull. You're not meant to
buy and sell. So it does. It's not necessarily having
more knowledge. Trading stocks does not change. Needs that change,
And there's a time where you if it's a really
good company, eventually twenty thirty years, you might have to
sell it because their components have changed, their mindset has changed,
(21:11):
or they got somebody new with the helmet. It's totally
changed the trajectory of the company, not for the better,
but maybe nonchalant versus more competitive companies. So it's just
looking for the companies. It's not necessarily the trading or
the education that's changed.
Speaker 3 (21:24):
Yeah, but you're what you're educating how to do it
is what I'm getting.
Speaker 4 (21:27):
Yea.
Speaker 3 (21:27):
So it's a structure that hasn't changed, but you're giving
the peoples to look for certain things.
Speaker 4 (21:32):
Yeah, I'm giving them the knowledge how to look for
good companies, not telling them what to invest in, because
that does change, You're right, yes.
Speaker 3 (21:38):
Yeah, Okay, So what's one mindset shift that changed everything
for you? And what do you wish for every woman
to know?
Speaker 4 (21:49):
Probably the main thing is that my current situation is
not my destiny. It's my starting point and I can
paint the picture the end of the road anyway. I
want it to be paid and just have to work
towards that. So you have to have a focus of
where you want to be. And it's just like give
my clients encouragement, Hey you've got this, you can do this.
I check with them between the weekly meetings just to
(22:10):
kind of be their biggest cheerleader, and they're open to
contact me if something comes of hey what should I
do type thing, and you know, educate them, not make
the decision for them, but equip them, Hey, well have
you looked at this? Have you looked at that you know,
you need to make the decision based upon all your facts.
You know, like I told my students, I would rather
be over cautious and look say look for the negative,
(22:30):
but be the devil's advocate. That's why I say the
devil's advocate. You think this company is great, but what
could possibly go wrong with it? You know, and think
of that. What if the economy changes, what will happen,
Like if you bought, for example, fast food, Like right now,
there's a big switch where fast food was getting more
clients and then the restaurants that were going out of
business saw that, so they started coming up with their
(22:52):
ten dollars meals or the kids free on Tuesdays and
Wednesdays to draw the crowd in from away from the McDonald's.
So if you get a ten dollars full meal, let
right strung. Yeah, you're paying a tip, but it's a
lot better, better bargain than that happy meal package box
whatever they have. So if the mind shift is mindset
has shifted, and now the restaurants are now being better
than fast food. If you want to go in the
food industry, if you're picking a specific stock versus a
(23:15):
mutual fund, so it depends on how safe like. If
you don't like my students, I didn't like picking stocks, well,
then look at mutual funds. What interest do you What
do you like because you want to buy a stock
you're passionate about, and there's passions in every field. Whether
you love nursing, you know, then you've got the medical field,
and what part of that do you like. Do you
like the geriatrics or do you like the you know,
the cancer cures or whatever. So there's all kinds of
(23:37):
funds based upon what you're interested, and to start delving
into what you like is the best way.
Speaker 3 (23:42):
I'm researching it, of course. And the thing is there's
so many different things out there in life millions, and
there's so much out there to research and find out
what we really like. Now, with your programs, what they
like for people who want to become a client one.
Speaker 4 (24:03):
It depends on how much need they have. I have
different lengths of programs, and if they start with a
shorter one, they're always welcome to take the money they
put in that one towards the next one and get
the benefits of that one for that term. My shortest
one is about eight six six weeks a month, and
a half, which is they just have simple budget issues
(24:24):
or if they just want to do something, if they
have more besides that, plus depth, plus they need to
start saving, then I would suggest easily the three month
or possibly the six month program. The sixth month is
the one that I have. It's one hour a week.
The other ones are half hour a week. So it
just depends once I speak with you and get to
know you on the initial consultation, how much help I
think you might need. I will never steer you towards
(24:46):
a high end if I think you can be fine
with one of the lower ones. So that's not you
know what I do. I'm like a fiduciary. I'm not
a fraducial, but I like when I will suggest what's
best for you, not what's best for me. So it
just depends on their needs.
Speaker 3 (25:00):
Exactly what I do with my coaching is it depends
on their needs whether and everyone has their own print health,
so everybody probably has of wealth, right, and so you
really need to look at what's going on the bottom
line and what is going to be more beneficial for
them because there's so many things that both of us
can offer, and I'm sure you create a unique thing
(25:22):
for them, no matter what size, week, number of weeks
it is. It's created to them, cater to them because
they have some weaknesses or some strengths, and you can say,
well you're doing really well here, but let's try to
work over here more. Am I right?
Speaker 4 (25:39):
Yeah? Well, because no two people are the same, there's
no cookie cutter. Anybody tries to sell you a cookie
cutter program, then that's not the one you want to
go to. There's a lot of coaches that offer individual
coaching based upon your needs, and that's exactly who you
want to seek out. Someone who's got your best interest
and knows you know. It takes time to listen to
you to really know what you need exactly exactly, because.
Speaker 3 (26:01):
That's what my consultations are all about, is that we
get to know each other and they get to know me.
I get to know them, and I will, you know,
pave a way to what they want to do, because
if I don't pave a way to what they want,
they want to do, just like you, they're not going
to do it because it has to be their decision,
(26:22):
you know, how they want to approach their health or
like for you, their wealth because maybe they have some
interest right now, that's important that they deal with at
that time.
Speaker 4 (26:32):
And sometimes they just want to buy a car and
they don't know how they can ever save up for it. Exactly,
they can't afford the big car payments. They want to
know how they can do it differently, And I say,
do you have to have that car or do you
see what? Do you need the car for? All a
bunch of people just to get from point A to
point B. Like I told my students, I said, when
you guys get out of college or high school, I said,
if you need that car for transportation for college, your
(26:55):
best bet is to buy a used car under five thousand.
First of all, you're at the agent too, you're twenty four.
Especially the boys, that this is the highest you're sure
JERVERA going to pay. Why get a more expensive car
that's going to cost you a whole lot more. Just
get the one that's the best transportation. And they all
kind of listen to that. I even taught them how
to get into college for a lot less. We had
a great college counselor too other counsel stuff, but just
(27:16):
I help it. Like I told, don't buy the class
room from Justin's I said, you can go to Walmart
and buy it for a quarter of the price. I
don't think the school like asb'd it likely you got
to learn how to spend your money. If you want
the same thing, you can get it less somewhere else.
So it's like, take this car and take care of it,
then sell it and trade it up for this car
after you've been saving money. Still pay cash for every car.
(27:38):
You know, whenever you've been saving the money and you
got this car, now you bought it for cash. I said,
first of all, don't you need to build your credit
at my student's age. You know, my adults already have
hopefully credit built. But if they don't, then I'll give
them something similar where you keep all the money for
cash and a credit union, not a bank, and then
you take half of it to put down on the
car and have the credit union take from your stavents
to the car loan, which helps you build credit. Credit,
(28:00):
which is one of the biggest things you need, one
of the factors of your credit report.
Speaker 3 (28:04):
So I say, each person is different, so it just
depends on where there at is to what guidance or
help I would give them exactly. It's exact same thing
with me, because everybody has a different issue with health,
and you know, we need a content transfer areas first
in order for that perution everywhere else, So to seek
exact same concept. And you know, when it comes to
(28:27):
buying a house and they have never bought a house,
or even maybe they just want to get a condom,
what do you recommend? I actually had I did a
I was a volunteer coach for a Woman's Money Matters,
and I was because I do a lot of volunteer work,
and I was hooked up with this girl who was
in her twenties.
Speaker 4 (28:43):
I believe she had three kids under five. She was single.
She had two goals for me to help her with.
She wanted to buy a card, she wanted to buy
a house. I said, I can probably help you buy
the car really soon, but the house is going to
take a lot more time. But because she was low income,
there's all kinds of programs open to them to either
how do the down payment or the match or something else.
So it depends on where they're Like they're making six
(29:04):
figures and don't have anything in the bank, Well, they're
obviously not going to qualify for low income subsidized loan somewhere,
so they just have to cut up and save it.
So they're going to be having more things cut out
of their spending and have that goes straight to save
before that down payment. And of course what houses these days.
Of course I'm in California, but even a modest bread
a four hundred thousand dollars condo or talking in a
(29:27):
two bedroom, like if it's a starter home for somebody,
that's going to take almost one hundred thousand down with
all your fees and everything, so they just to save
up for it. It's not the same as when I
was buying houses in full for cash for one hundred
thousand dollars. It's a little different now, but it could
still be done.
Speaker 3 (29:42):
Yeah, And they also have to pay property taxes and insurance,
so it's a lot more complicated. And I with the car,
you have to pay for car insurance too, so it's
something that they need to budget for. And I'm sure
you help them with that.
Speaker 4 (29:55):
Get the older car that doesn't cost you as much,
Like why do you want the car for for show?
Like for example, agent, they would need a nicer car
if they're taking clients out. If this is to get
you to a firm work. You can have that older car.
Who cares what you drive? You shouldn't care what you drive.
It's all about saving the money you're going to be
saving down the road.
Speaker 3 (30:10):
Yeah, unless you're driving many many miles. If you want
a car that doesn't break down.
Speaker 4 (30:16):
Really good gas mileage to not pay the money and gas.
So everybody's different. Yeah, it depends on what they need.
Speaker 3 (30:22):
Yeah, exactly. Well, do you have any other scenarios you
want to talk about regarding what you do for others,
because we went through your questions already.
Speaker 4 (30:31):
Well, a couple. Actually, I focus on women. But there
was a mail at church that was a single mail
and he had his own trucking company. He had his
own truck and he contracted the companies to do his
trucking and whatnot. But his problem with him and his
budget was he was kind of commingling his personal budget
(30:52):
with his business budget and his client city hauled for
weren't paying him in a time like seven days. They
weren't paying a time mattered. He let it go. I said,
you can't. You need to be firm up. So I
taught him about all that I told him about separate accounts,
and I asked to trust for many to you know,
take his paycheck out of the business acount put it
in any right war account. So I kind of taught
him all about those things. And he actually went to
(31:15):
buy a house a few months ago, but excuse me,
something happened with the dealing. He backed out, you lost
his deposit. I don't know what came up that he
didn't like, but at least he had money now to
put down for a house, you know, so he was
very happy with that. He learned his budget's going better.
He's actually buying a second truck now and going to
hire somebody to get almost double the income. Of course,
(31:37):
just pay them an hourly rate. So he's actually doing
quite well now. So I was very happy.
Speaker 3 (31:41):
So not only are you helping single moms or a
single man, but you're helping them, you know, with ideas
of how separating the costs between the business and personal,
which is really important. So I guess you do that
because when people are buying the homes, it's kind of
like the business in a way, so you kind of
show them how to do that.
Speaker 4 (32:00):
Well. I always, and even when I was married, I
was always the budgeter because that was just my thing.
It was very easy for me, so I would. I've
had couples also, but it's the woman I've dealt with,
and she's handling that she's never probably invested. Maybe the
husband did the investee. I'm kind of like teaching her.
You need to be aware of the books and you
know what he's buying it to have him work with
you haven't teach you. But if you're still a couple.
(32:22):
But I'd probably say sixty percent are single okay, work okay,
And I wouldn't get the couple I work with one
of the two usually when you were okay.
Speaker 3 (32:32):
You work with small businesses too, like a single mom.
Speaker 4 (32:35):
Not businesses. No, Primarily I'm personal finance. But the mail
I mentioned just happened to have his own business and
we were he was convoluting his business and personal income.
So I took you know, I didn't tell him how
to run, well, I didn'te him to run. I told
him that he should be more aggressive in his billing
and not let them pay later, have like a I
don't know, pay of, not a fine but a penalty
(32:58):
or something if were not paying on time. Things like that. Interest.
But it's just there's like a flat feet typically like
for example, you've heard the term maybe two ten at
thirty you get a ten percent and discount if you
pay within thirty days or within ten days, or you
pay all of it within thirty That doesn't apply to
his because they had to pay within seven days, but
the same principle they don't pay with the seven days
that you have a fifty dollars or a hundred pens
(33:19):
on maybe the cost of the project. How much you're
going to pay a fee for paying late? Yeah, I
know some some people that are single, and.
Speaker 3 (33:27):
I don't think they're I think they're commingling their business
with their personal life only because it's just the way
it seems.
Speaker 4 (33:35):
I hope they're coping with straightened that out because that
I know.
Speaker 3 (33:38):
But I some people they may even have a store
space that they're living in, which is really sad. But
people are doing it, and I've seen it happen. That's
why I ask question, Yeah, okay for the final idea,
their final idea you want to share before we talk
about your offers.
Speaker 4 (33:58):
Just I think really the biggest thing is is mindset
know that whatever your current circumstance is, it does not
define you. You can do and be whatever you want.
You just have to be desirabiling enough, eager enough, willing
to make changes because if you don't change, just like
putting a square peg in a round hole is never
(34:18):
going to fit. If you don't change some of your
spending habits, if that's what your problem is, or if
you never change tracking your money, you're never going to
have a change to see, hey, where can I start
saving the money out? So that's my biggest encouragement is
don't let your current circumstance define you, because that's not you.
You can write your picture and determine who you are.
Are you going to be that millionaire? If that's a
(34:40):
desire I said, it was never my desire, just happened.
I just want to be comfortable, you know, just be
able to pay my bills and have a little bit
of money to make for the emergency account. So everybody's individual,
But that's my best advice because a lot of people
commend depressed. This is me. I will always leave paycheck
to paycheck. I'll never be anything different. I'll never have
a bank account. But that's not true. Stop telling yourself
(35:01):
negative things. You can do whatever you want.
Speaker 3 (35:04):
On the exact same way because there's so many possibilities
with their health and if you tend to you know,
stay healthy, it's going to save you money overall on
medical bills. And it's just the way you need to focus.
What do you want to focus on now? What do
you want to do now?
Speaker 4 (35:19):
And there's always.
Speaker 3 (35:20):
Possibilities, always outcomes that you're going to reach. It's just
you're going to have to be patient with the able
to have faith and you know, and like you said,
you need a vision what you want to do at
the end. Some people can't do that, and at least
if they vision to a certain point, then they can
move over like a rabbit, go to the next one.
Speaker 4 (35:39):
My big vision was traveling the world when I retire,
and I've actually have been doing it for the last
three years, so that's great.
Speaker 3 (35:46):
Yeah, some people are kind of like that frog that
want to jump from one lily bad doing that, but
you know, in steps, so that's okay as well. So
what do you have what is your offer for my
audience today?
Speaker 4 (35:58):
Well, if if they're like most of the clients that
they come there at the at the bottom end of
the struggle, it will be too. Well, first of all,
have free consultation. I will talk to you see if
I can help you see maybe just give you free tips.
And that's all in part our ways that if you'd
like to subscribe to my newsletter, I will give you
that budget sheet I talked about, along with some steps
(36:20):
how to how to get there easier. So I've got
two handouts actually that will come with the first email,
and it's on budgeting, and right now I'm going like
on a course from budgeting, get further into it, then
go into maybe debt repayment, then switch to savings, and
then switch to investing, and then go back and start
the loop. But different different topics each time, so it's
a short I mail them out every other week, but
(36:42):
I would always give you the first one first if
you want. So, if anybody who signs up for my email,
you go to my web address Financialfreedompathway dot us, scroll
to the bottom of the page where there's the sign
up for my email, and I will get you on
the list and send you out that first email with
the first two things, the tips for the the newsletter
(37:04):
as well as the spreadsheet and the loose in my mind,
the steps to have to create that uh plan. I'm sorry,
my mind escapes me right now, but you'll get to.
Speaker 3 (37:18):
So you'll know. What if they sign up on a call,
do you get them at discount because you mentioned something,
so the tempescente disc get them if they sign up
with the package.
Speaker 4 (37:27):
Yeah, if they if they do on the first call, yes,
I'd offer them ten percent off whatever package they would want. Yes,
So thank you for reminding me about that one. Yeah,
that's definitely. That's a plus that they need it, but
some of them don't need it, which I find just
the free consultation or just the email if they think,
like if they're like me, they're very proactive, maybe just
the tips they get from the newsletters end up to
help straighten the amount. And that's I don't need to
(37:48):
sell them anything. I don't need the money. So if
they want, if they just want the newsletter, that's extremely
helpful to a lot of circumstances, not just picking on
one all the time.
Speaker 3 (37:56):
So it's fabulous. So again, her website Financial Freedom Pathways
that you ask and do you mention debe changes lives
so she knows where the league came from. So Kathy,
this is a wonderful offer and would you like to
be a guest again on my show.
Speaker 4 (38:12):
I'd love to anybody I could help. I'd love to help.
Thank you.
Speaker 3 (38:15):
You're welcome. So please stick around for closing remarks. You
have about a minute after I go through my rest
of the information I have to go through. Okay, so
stick around now. Remember I do revialize people's lives in
many different areas and health and mindset. I still start
with your gut and your mindset. I do work with
hormones as well as blood, sugar, bone and joint Brandon
(38:35):
heart immunity, and I love helping people that have anxiety
issues as well as athletes. I guide you to clean
toxic refuse and high quality central nutrient products, or I
do symptoms. You'll feel better and possibly lose way and
you'll uplift your mood. With my mindset coaching, I help you,
you know, release that stress, emotions and emotional intangments from
(38:59):
the past us as well as you're reshaping your core
beliefs so you're more successful. So your mindset is going
to be more enhanced. With my health organization and weight release,
your body is more efficient. That's the mind body solution
that makes your hearts thing to ask me about my programs.
Set a couple of under consultation at Debbie Changes Lives.
That's d E B I c h A n G
(39:21):
E S l I V as in victory e s
dot com or slash link tree l I n K
t R e E. And there you get to know me.
I get to know you. You get the next slide
and I can guide you into your to your optimum health.
And there's two and involves two assessments. The first one
here is the health evaluation where you can rate your symptoms,
(39:45):
last three days and four categories of health. Some questions
are a different category, so answer them all. You get
a baseline score. I review it with you, and when
you move four of my services, I create that custom
natural classic strategy for you and monitor on a monthly
basis of your progress. I also have two different body zydoscans.
(40:05):
I prefer to do Zido zero link because I can
do it remotely and internationally. It's actually went to Australia
and also South Africa. Now. The zero is a transdermal
optical imaging app. I send a link to your phone,
you scan your face for thirty seconds. It's only going
through your skin looking at glove flow for components of energetic, functional,
(40:27):
and emotional and different body systems and lifestyles. The emotional
component is such a hidden gem. It creates a wellness report,
not diagnosis, of biomarkers out range and products and services
that bring it back inter range and I review it
with you. The cost of the scan is seventy five
dollars because it's very intensive report, and when you move
(40:47):
forward with my surfaces, you'll get a twenty five dollars
discount either on a product or a program. The zero
Link is a transdermal optical imaging app also Noah as
TOOI and you can look up an accuracy on pub
med gov that's pub m ME, d dot g o
V and find out more about that scan. Also, when
(41:07):
people do the scan, they're really amazed what their body
tells them, and you'd be too if you can first
ask me questions on my site, on my consultation, or
just simply get it done and see what it's all about.
Also on the site or my programs, take your you
can go to the next slide Take your Body Back
is my twelve week wait release my the coaching program
(41:27):
where you going to be utilize a new version of
you to drive you to the sas all coaching is
done on Zoom, and the first one is always private
to you because I am a certified HIPPOC compliant health
coach and any evaluation is private, so I go with
three year evaluations. I give you a choice now of
three different type of programs, and I give you directions
(41:48):
on the one that you chose. I also give you
directions how to create the new version of you. They'll
drive you with emotional passion to achieve your health and
way transformational goal throughout the journey, and the rest of
the coaching runs in group where private is the same.
Would be celebrating your wins. I'll be getting over against
with health the minsage tips, and also I'll be showing
(42:11):
you how you can use those words to move you forward.
Now you will become a new you. You can ask
me questions on my consultation because my older program I've
been telling you to go to doesn't have a third
program in it, So you're just asking me. You know
which ones that you want to do, and I'll tell
you what you have a choice of.
Speaker 4 (42:30):
Now.
Speaker 3 (42:30):
Why FISK the inimate Infesting program is a inimate infesting
program that gets yoursell somebody humming and turn this iss
your metabolism with rich dense nutrition, high qualities and nutrients.
And I also has exercise and recipes here you would
ask me questions and if you feel like you need
some coaching, I do have a two or four we
(42:50):
program to get you started. It's up to you whether
you want to pay for more coaching after that. You
could use a smaller programs from midset coaching and health
authorization coaching, but truly those are long term journeys that
goes to create a custom program for you. Now Here
are some new programs I have and they're they're different.
So one of them is for people for women who
(43:13):
are speaking into perimenopause and menopause, and this is a
complete health system called HOPE. And it's interesting that menopause
has has generic symptoms. There's a lot of symptoms that
you don't realize they have and they're a menopause. So
I have a solution. I coach you through that if
you need that coaching, but at least you have these
product line and I also have a natural DLP program
(43:38):
which is a yg y g OP thirty day system
that you can use, and it's all natural. The shots
are not actually injectorical. Shots are just a drink and
the other two are drinks as well. And you can
be losing some weight this way as well, you know,
but it's a natural way to go, and it's not
going to mess up your gut. You're going to make
(44:00):
your function better. The contact me about that. I can
add coaching to that if you want, and you'll be
releasing weight and I want to make sure you keep
the weight off too. And finally, learn more about you.
Speaker 4 (44:14):
Go to the next slide.
Speaker 3 (44:16):
Learn more about my services, products, programs that offers as
well as articles and blogs and upcoming shows and events
and promise by describing to my newsletter which is at
debe changes lives dot com for a such radio TV show,
and I'll give you a gift of that thirty day
Health of mindset Daily Action General, which I kind of
(44:36):
told you about a little bit, where you where you're
going to at track your gratitudes, thoughts, feelings and emotions.
You're a wearable food, water, supplements and excise you do
on a daily basis. You can track your measurements and
then you want to review it on a daily, weekly,
monthly basis and see your wins and celebrate them. Find
your gaps to work on, or you reach out to
me from coaching to get you over the gaps. And
this is a great health of mindset awareness. I am
(44:59):
certain that you found the show educational, eye opening and
you got some great tips from Kathy. Reach out to
me my services programs, products and offers, and reach out
to Kathy for her services offers. And I think we
have some time for Kathy to come back for closing
your remarks. Hi, Hi, So is there anything else you
(45:20):
want to say?
Speaker 4 (45:23):
Not that I can think about it? And this is
just a passion of mine. I don't do it out
of the need for the income. So I'm truly here
with the servants heart to help people and I love
to help as many as I can, but I do
only take on two clients a month because I am
enjoying my retirement.
Speaker 3 (45:36):
Hey, I don't blame you, you know what, that's pretty much.
I thought you just do it because you just love
doing it and you want to help others. So and
that's pretty much. I'm passionate about revitalizing people's health too.
And you know, when you have people like us to
coach you. You're going to get a lot further on
because we really are in there in the trenches to
(45:56):
help you get through through your journey. So reach out
to Kathy for your financial advisement regarding you know, budgeting, investing,
and other things that she can offer you. Reach out
to me from the health perspective. I remember health and
wealth go to hand in hand. Don't you agree? Yes, definitely, Okay,
(46:17):
So remember continue to watch my radio and TV show
Debut Changes lives on Thursdays at three pm Pacific six
pm Eastern, where your holistic journey begins.
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