Powerful Advice for Financial Success From Two Experts

Tony Robbins, intervention strategist, businessman and author, when discussing his book, “Money: Master the Game: 7 Simple Steps to Financial Freedom” said that when he was interviewing Warren Buffett for his book, he asked — “what are the secrets to your wealth? And he said it’s three things. No. 1, it’s being born in America. No. 2 is good genes, so I live long enough, and No. 3, is compound interest. Compound interest — people have no idea the power that it really has.” (USA Today, 2014)

woman saving jars

This is exactly the point I was making  in my article “Who Wants to be a Millionaire?” People generally underestimate the power of compound interest and never get started!  Remember, even if you’re saving less than you’d like, you ARE saving! And that’s better than putting it off and doing nothing.

Robbins also recounted a story about “Theodore Johnson, a UPS employee who never made more than $14,000 a year, but set aside 20% of every paycheck and put it into company stock. The man saw the value of his investments soar to more than $70 million by the time he was 90 years old.” A woman I personally know, who retired a millionaire, confided in me when I asked her about her success, that basically she’s “just been a good saver” as she put it. She always lived below her means, always saved, and only bought things she truly needed allowing her to save even more over her lifetime. The power of time and compounding interest did the rest.

The best advice I can give as a life/wellness coach echoes the words of these role models in finance.  START NOW…however you can…make a commitment to set aside 5-10% of your paycheck in a long-term investment account. If you’ve already begun, but you’re not happy with how your investments are doing, have an independent investment advisor like Anthony J. Mancini Investments take a look for you (at no charge, just mention my name) and see what can be done to improve them.

savings is key
Saving is the KEY to financial freedom.

Let me hear from you. If you’re a woman, are you already investing for your future like an empowered woman would? Tell me how. If you’re a man or woman, does investing intimidate you? What trips you up with creating a savings habit and being comfortable with an investing lifestyle? Answer at least one of the three questions in the comments. Look forward to hearing from you.

Source cited:
Hellmich, N. Tony Robbins’ 7 steps to financial freedom in retirement. USA Today. December 9, 2014. Accessed April 24, 2018. URL: https://www.usatoday.com/story/money/personalfinance/2014/12/09/tony-robbins-money-book/19278963/

Are You Guilty? – 3 Irrational Ways Smart Women Sabotage Themselves

I tend to be pretty reliable keeping my commitments to others. In fact, I have been known to go above and beyond the ‘call of duty’ to be loyal to my word and not leave someone hanging. Key point to pick up on here, my dear reader,  is ‘when it’s for someone else.’ When it’s for myself, I tend to reneg on my decisions more regularly than I’d like to admit.  I am pleased to say I have improved at this over the years, so it happens less often these days, but the tendency is still there, lurking.

Which of these three things do you do in YOUR life? I hope this helps you realize that you’re not alone and that there is reason for optimism in changing these habit patterns.

The three sabotage strategies women tend to struggle with are:

  1. Committing to Everyone but Ourselves
  2. Over-scheduling
  3. Chronically Undervaluing Ourselves

Let’s look at each of these one by one.

1) Committing to Everyone but Ourselves

vintage-1950s-woman-serving-dinner-8211279

Why does our loyalty extend to everyone else in our lives, but if I decide I need or want to do something, I’ll easily cancel out if I’m too tired or get distracted by other ‘things’ that come up. Why do I sometimes avoid doing tasks I need to do?

Here’s a new affirmation to focus on:

I am committed to myself.

Be committed to self. We are just as important as everyone else, no more,  no less. Yet we will treat ourselves as less. It’s important to be my own best friend. Do the things I know I need to do for me. Treat myself with a reasonable level of importance. It’s okay to spend time on me. It’s okay to nurture myself. I don’t have to be giving to others all the time.

Spending all my energy on others just leaves me shortchanging myself, not being as effective as I could be in the world, which leads to discontent   and creates a non-productive downward cycle. I need to reserve a portion of my energy to spend on ME, for me.

2. Over-scheduling

Taz whirling white

Many women are just too darn busy!  We juggle multiple roles, each with their own list of priorities. Often these priorities don’t blend well or downright conflict with each other, adding to the complexity of it. I’m reminded of that old “Enjoli” perfume commercial in the 70’s where the jingle went something like “she can bring home the bacon, fry it up in a pan, and never ever let you forget you’re a man, she’s a woooo-man, Enjoli.” The idea was that women could do it all….and we bought into that ideal and image, but also brought a lot of guilt and non-productive beliefs with us. We began to believe we needed to be perfect. We had to somehow juggle it all…..ourselves. We became martyrs in the effort to be devoted to our families. And if we fell short, the critical inner voice clocked in and we dutifully berated ourselves with self-criticism, put-downs and even became angry and impatient with ourselves.

We don’t HAVE to do it all. Our job is to manage it. Know what needs to be done, but find ways to delegate some of it. Can some errands be done monthly or twice a month instead of weekly? Is there any way to combine tasks which will save time? Not long ago, I found I was spending way too much time on errands and needed to limit how many times a week I did them. I began putting items on a list and limiting errands to only once or twice a week. If we went without certain things for a couple days, it wouldn’t be the end of the world! Now many people buy non-perishable and household items off the internet saving them time traveling to a store.

We can say NO…..we don’t have to fit in one more thing to an already full schedule.

3. Chronically Undervaluing Ourselves

happy-woman-with-raining-money

The Leadership section of Forbes published an article by Kathy Caprino, a business consultant and writer of career and women’s issues. In it, she recounts in her consulting work how much she sees recurring patterns of women undermining and undervaluing themselves resulting in stalling their personal or career growth.

And these aren’t all women who were raised without opportunity or education working lower paying jobs. Caprino works with middle to senior level women administrators both in the corporate sector and in small business (Caprino, 2012). These are women who have experienced enough success to have excellent self-esteem and know their value. Why is it that no matter where we are in our life’s journey, we women still tend to undervalue ourselves?

As a small business owner, I see this with other women I know in business as well. We know we have gifts and useful products and services, but something gets lost between that acknowledgment and the process of actually doing business.

Learning to feel good about ourselves and our skill set is a daily practice, much like prayer or yoga. It can be helpful to research others in our industry and see what they offer, their price points, and what makes them unique. Use that information to position ourselves wisely. Once we’ve done that, it’s important to stop second-guessing and doubting. Remind yourself of your strengths with a daily gratitude practice and eagerly anticipate new prospects and loyal clients.

Sources:

Caprino, K. Forbes. URL: https://www.forbes.com/sites/kathycaprino/2012/10/23/the-7-most-common-ways-women-limit-and-sabotage-their-success/#1d0223ffac31

Powerful Advice for Financial Success From Two Experts

Tony Robbins, intervention strategist, businessman and author, when discussing his book, “Money: Master the Game: 7 Simple Steps to Financial Freedom” said that when he was interviewing Warren Buffett for his book, he asked — “what are the secrets to your wealth? And he said it’s three things. No. 1, it’s being born in America. No. 2 is good genes, so I live long enough, and No. 3, is compound interest. Compound interest — people have no idea the power that it really has.” (USA Today, 2014)

woman saving jars

This is exactly the point I was making  in my article “Who Wants to be a Millionaire?” People generally underestimate the power of compound interest and never get started!  Remember, even if you’re saving less than you’d like, you ARE saving! And that’s better than putting it off and doing nothing.

Robbins also recounted a story about “Theodore Johnson, a UPS employee who never made more than $14,000 a year, but set aside 20% of every paycheck and put it into company stock. The man saw the value of his investments soar to more than $70 million by the time he was 90 years old.” A woman I personally know, who retired a millionaire, confided in me when I asked her about her success, that basically she’s “just been a good saver” as she put it. She always lived below her means, always saved, and only bought things she truly needed allowing her to save even more over her lifetime. The power of time and compounding interest did the rest.

The best advice I can give as a life/wellness coach echoes the words of these role models in finance.  START NOW…however you can…make a commitment to set aside 5-10% of your paycheck in a long-term investment account. If you’ve already begun, but you’re not happy with how your investments are doing, have an independent investment advisor like Anthony J. Mancini Investments take a look for you (at no charge, just mention my name) and see what can be done to improve them.

savings is key
Saving is the KEY to financial freedom.

Let me hear from you. If you’re a woman, are you already investing for your future like an empowered woman would? Tell me how. If you’re a man or woman, does investing intimidate you? What trips you up with creating a savings habit and being comfortable with an investing lifestyle? Answer at least one of the three questions in the comments. Look forward to hearing from you.

Source cited:
Hellmich, N. Tony Robbins’ 7 steps to financial freedom in retirement. USA Today. December 9, 2014. Accessed April 24, 2018. URL: https://www.usatoday.com/story/money/personalfinance/2014/12/09/tony-robbins-money-book/19278963/

If You Choose an Awakened Woman~

Some really insightful food for thought…….

woman reading

Enjoy this poignant, beautiful prose about the “awakened woman.”

IF YOU CHOOSE TO LOVE AN AWAKENED WOMAN~~

If you choose to love an awakened woman, understand that you are entering into new, radical and challenging territory.

If you choose to love an awakened woman, you cannot stay asleep.

If you choose to love an awakened woman, every part of your Soul will be aroused, not just your sexual organs or even your heart.

Frankly, if you prefer a normal life, stick with a normal girl.

If you want a tame life, seek only a woman who has allowed herself to be tamed.

If you only want to dip your toe into the flowing waters of Shakti, stay with the safe, tamed woman who has not yet plunged into the wildness of the Sacred Feminine ocean.

It is comfortable to love a woman who has not yet activated her inner sacred powers, because she does not push your buttons.

She will not challenge you.

She will not press you into becoming your highest Self.

She will not awaken the forgotten and numbed-out parts of your Spirit that urge you to remember that there is more to your Life here than this.

She will not look into your weary eyes and send a lightning bolt of Truth through your body, jolting you awake and stirring long-lost desires for Soul Love within you.

A safe, unawakened woman will be wonderfully satisfying and soothing to your ego, heart, and body. She will walk quietly beside you and make you feel needed, responsible, like you are fulfilling your manly role.

If this is enough for you then accept it, love her with all your heart, remain faithful to her and thank her daily for the gift of her mild, unthreatening feminine presence in your life.

If this is not enough for you – if your heart, body and spirit is only craving the ‘other kind of woman’, the Wild One – then know that you are on the cusp of Soul-Shifting transformation.

Know that you are making a serious choice with karmic consequences.

If you choose to step into the aura and body of a woman whose spiritual fires are blazing, you are accepting that you need a certain level of danger and risk in order to grow.

Once you begin to love a woman of this nature, you must accept total responsibility for the life-changes that will then ensue.

Your life will not be sleepily comfortable all the time. Your life will not allow you to stay stuck in old ruts and stagnant routines. Your life will take on a radically-new flavour and scent. You will be ignited by the presence of the Wild Feminine, and it will begin to send electric shockwaves of spiritual Light through your entire chakra system, attuning you to the Call of the Divine.

Choosing to be sexually and romantically-intimate with an awakened woman takes masculine courage to walk fearlessly into the Unknown. But it will reap rewards beyond your mind’s comprehension.

She will take you into undiscovered worlds of mystery and magic.

She will lead you, mesmerised and half-drunk with love, into the wild forests of sensual ecstasy and wonder.

She will show you sacred skies so full and burning with stars that you will start to wonder if you are still living on the same planet that you were born on.

She will break and tear you open so that your fierce, passionate heart drives you half-mad with longing. You will want to consume and penetrate her on every level so that your Masculine Essence can consume and penetrate the world – illuminating the Universe with your devoted Love.

She will see you like you’ve never been seen before.

She will trust you.

She will appreciate you.

She will acknowledge your efforts to make her happy.

She will value everything good that you do, and everything good that you are.

She will not run from your darkness, because your darkness does not scare her.

She will embrace, kiss, caress and love you back to Life. She will speak words that your Soul understands. She will not punish you for your mistakes.

It is a monumental risk to love an awakened woman, because there is suddenly no place to hide. She sees everything, therefore she can love you with a depth and presence that your heart and body have yearned for so hard, so long, so fiercely…that you wonder whether you have actually been alive for all the time that she has been away.

Loving a woman like this is a choice you make to start living with your Soul on fire.

Your life will never be the same again once you’ve invited her energy in.

Take this risk on yourself, or step back, stay with the normal girl and accept a different, safer, more comfortable and somewhat calmer life.

Just make sure that if you choose the latter, you don’t spend the rest of your days with your eyes looking back over your shoulder, straining to see once again the hazy vision of Feminine Mystery that has now disappeared from view.

She has long gone..spiralling back up to the Stars, the distant Galaxies and the Heavens…from where She came.

Source:  Sophie Bashford If You Choose an Awakened Woman~

Are You Guilty? – 3 Irrational Ways Smart Women Sabotage Themselves

I tend to be pretty reliable keeping my commitments to others. In fact, I have been known to go above and beyond the ‘call of duty’ to be loyal to my word and not leave someone hanging. Key point to pick up on here, my dear reader,  is ‘when it’s for someone else.’ When it’s for myself, I tend to reneg on my decisions more regularly than I’d like to admit.  I am pleased to say I have improved at this over the years, so it happens less often these days, but the tendency is still there, lurking.

Which of these three things do you do in YOUR life? I hope this helps you realize that you’re not alone and that there is reason for optimism in changing these habit patterns.

The three sabotage strategies women tend to struggle with are:

  1. Committing to Everyone but Ourselves
  2. Over-scheduling
  3. Chronically Undervaluing Ourselves

Let’s look at each of these one by one.

1) Committing to Everyone but Ourselves

vintage-1950s-woman-serving-dinner-8211279

Why does our loyalty extend to everyone else in our lives, but if I decide I need or want to do something, I’ll easily cancel out if I’m too tired or get distracted by other ‘things’ that come up. Why do I sometimes avoid doing tasks I need to do?

Here’s a new affirmation to focus on:

I am committed to myself.

Be committed to self. We are just as important as everyone else, no more,  no less. Yet we will treat ourselves as less. It’s important to be my own best friend. Do the things I know I need to do for me. Treat myself with a reasonable level of importance. It’s okay to spend time on me. It’s okay to nurture myself. I don’t have to be giving to others all the time.

Spending all my energy on others just leaves me shortchanging myself, not             being as effective as I could be in the world, which leads to discontent   and creates a non-productive downward cycle. I need to reserve a portion of my energy to spend on ME, for me.

2. Over-scheduling

Taz whirling white

Many women are just too darn busy!  We juggle multiple roles, each with their own list of priorities. Often these priorities don’t blend well or downright conflict with each other, adding to the complexity of it. I’m reminded of that old “Enjoli” perfume commercial in the 70’s where the jingle went something like “she can bring home the bacon, fry it up in a pan, and never ever let you forget you’re a man, she’s a woooo-man, Enjoli.” The idea was that women could do it all….and we bought into that ideal and image, but also brought a lot of guilt and non-productive beliefs with us. We began to believe we needed to be perfect. We had to somehow juggle it all…..ourselves. We became martyrs in the effort to be devoted to our families. And if we fell short, the critical inner voice clocked in and we dutifully berated ourselves with self-criticism, put-downs and even became angry and impatient with ourselves.

We don’t HAVE to do it all. Our job is to manage it. Know what needs to be done, but find ways to delegate some of it. Can some errands be done monthly or twice a month instead of weekly? Is there any way to combine tasks which will save time? Not long ago, I found I was spending way too much time on errands and needed to limit how many times a week I did them. I began putting items on a list and limiting errands to only once or twice a week. If we went without certain things for a couple days, it wouldn’t be the end of the world! Now many people buy non-perishable and household items off the internet saving them time traveling to a store.

We can say NO…..we don’t have to fit in one more thing to an already full schedule.

3. Chronically Undervaluing Ourselves

happy-woman-with-raining-money

The Leadership section of Forbes published an article by Kathy Caprino, a business consultant and writer of career and women’s issues. In it, she recounts in her consulting work how much she sees recurring patterns of women undermining and undervaluing themselves resulting in stalling their personal or career growth.

And these aren’t all women who were raised without opportunity or education working lower paying jobs. Caprino works with middle to senior level women administrators both in the corporate sector and in small business (Caprino, 2012). These are women who have experienced enough success to have excellent self-esteem and know their value. Why is it that no matter where we are in our life’s journey, we women still tend to undervalue ourselves?

As a small business owner, I see this with other women I know in business as well. We know we have gifts and useful products and services, but something gets lost between that acknowledgment and the process of actually doing business.

Learning to feel good about ourselves and our skill set is a daily practice, much like prayer or yoga. It can be helpful to research others in our industry and see what they offer, their price points, and what makes them unique. Use that information to position ourselves wisely. Once we’ve done that, it’s important to stop second-guessing and doubting. Remind yourself of your strengths with a daily gratitude practice and eagerly anticipate new prospects and loyal clients.

Sources:

Caprino, K. Forbes. URL: https://www.forbes.com/sites/kathycaprino/2012/10/23/the-7-most-common-ways-women-limit-and-sabotage-their-success/#1d0223ffac31