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المحتوى المقدم من Hilary Hendershott, CFP, Hilary Hendershott, and CFP. يتم تحميل جميع محتويات البودكاست بما في ذلك الحلقات والرسومات وأوصاف البودكاست وتقديمها مباشرة بواسطة Hilary Hendershott, CFP, Hilary Hendershott, and CFP أو شريك منصة البودكاست الخاص بهم. إذا كنت تعتقد أن شخصًا ما يستخدم عملك المحمي بحقوق الطبع والنشر دون إذنك، فيمكنك اتباع العملية الموضحة هنا https://ar.player.fm/legal.
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EP 83: How to Thrive Financially with Cheryl Hunter

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المحتوى المقدم من Hilary Hendershott, CFP, Hilary Hendershott, and CFP. يتم تحميل جميع محتويات البودكاست بما في ذلك الحلقات والرسومات وأوصاف البودكاست وتقديمها مباشرة بواسطة Hilary Hendershott, CFP, Hilary Hendershott, and CFP أو شريك منصة البودكاست الخاص بهم. إذا كنت تعتقد أن شخصًا ما يستخدم عملك المحمي بحقوق الطبع والنشر دون إذنك، فيمكنك اتباع العملية الموضحة هنا https://ar.player.fm/legal.

Up first on today’s episode of Profit Boss Radio, Rachel Shipley fills us in about what to expect this Holiday Season. Where is your money headed? How are you handling debt, if any? Prevent the holiday spending hangover with a few tried and true Profit Boss solutions and do right by yourself! Not only will we address the common sources of Holiday Drama, but I’ll also answer a few “Ask Hilary” questions for couples who have savings problems.

Today’s episode is a rebroadcast of one of my very first interviews on Profit Boss Radio. My hope is that this interview inspires you to dig yourself out of some of the mucky, messy moments in life, and work towards your goals to help you thrive.

You can listen to the episode and read the show notes at:

http://bit.ly/2zAwL0T

Hendershott Wealth Management, LLC and Love, your Money do not make specific investment recommendations on Love, your Money or in any public media. Any specific mentions of funds or investments are strictly for illustrative purposes only and should not be taken as investment advice or acted upon by individual investors. The opinions expressed in this episode are those of Hilary Hendershott, CFP®, MBA.

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iconمشاركة
 
Manage episode 191029274 series 1148202
المحتوى المقدم من Hilary Hendershott, CFP, Hilary Hendershott, and CFP. يتم تحميل جميع محتويات البودكاست بما في ذلك الحلقات والرسومات وأوصاف البودكاست وتقديمها مباشرة بواسطة Hilary Hendershott, CFP, Hilary Hendershott, and CFP أو شريك منصة البودكاست الخاص بهم. إذا كنت تعتقد أن شخصًا ما يستخدم عملك المحمي بحقوق الطبع والنشر دون إذنك، فيمكنك اتباع العملية الموضحة هنا https://ar.player.fm/legal.

Up first on today’s episode of Profit Boss Radio, Rachel Shipley fills us in about what to expect this Holiday Season. Where is your money headed? How are you handling debt, if any? Prevent the holiday spending hangover with a few tried and true Profit Boss solutions and do right by yourself! Not only will we address the common sources of Holiday Drama, but I’ll also answer a few “Ask Hilary” questions for couples who have savings problems.

Today’s episode is a rebroadcast of one of my very first interviews on Profit Boss Radio. My hope is that this interview inspires you to dig yourself out of some of the mucky, messy moments in life, and work towards your goals to help you thrive.

You can listen to the episode and read the show notes at:

http://bit.ly/2zAwL0T

Hendershott Wealth Management, LLC and Love, your Money do not make specific investment recommendations on Love, your Money or in any public media. Any specific mentions of funds or investments are strictly for illustrative purposes only and should not be taken as investment advice or acted upon by individual investors. The opinions expressed in this episode are those of Hilary Hendershott, CFP®, MBA.

  continue reading

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It’s often said that money is one of the most common sources of conflict in a marriage, and a leading cause of divorce. Today’s episode has me rethinking that positioning: What if money isn’t the one to blame, and the actual culprit is a lack of communication? You’ve likely heard me talk at length about the 7 Steps to Wealth, which is the framework I used to climb out of debt and build lasting wealth. The final step in that framework, Protect, is all about safeguarding your financial future. It’s one of the most important–and often neglected–steps. I did a deep-dive into the seventh step in episode 264, but today we’re taking a closer look at one crucial part of Protect: how to protect your wealth when you’re in a relationship. Specifically, we’re going to talk about prenups, postnups, and how they can help you preserve your wealth *and* your relationship. To help us unpack this topic, I’m joined by Kara Foster, an attorney from Foster Hsu, LLP. Kara and Lydia, her partner at the firm, are experienced in all aspects of California family law including divorce, legal separation, domestic violence, guardianship, stepparent adoption, and—what we’re focusing on today—prenuptial and postnuptial agreements. In this episode, we discuss: What a prenup covers and when to consider one Why prenups can be good for a relationship How to create a prenup and how much they cost But my biggest takeaway was this: What’s more important than any piece of paper you sign (or don’t) is that you have open, honest, and consistent conversations with your spouse about your finances. You should be on the same page about what’s going on, and the only way to do that is to talk about it. I learned so much from this conversation, and am grateful to Kara for lending her voice and expertise to the show. Now without further ado, let’s talk about what to do before you say “I do!” Here’s what you’ll learn in this week’s episode of Love, your Money : 03:44 What a prenup is, what it covers, and what can not be included in it 05:44 When should couples consider a prenup, and why businesses and real estate make asset division more complicated 08:05 How a prenup allows couples to keep assets separate during the marriage–and the pivotal thing a prenup “forces” you to do before getting married that will change your relationship (for the better!) in the long term 12:49 How a postnup differs from a prenup, when it’s worth getting one, and the limits or enforceability of the agreement 14:43 The process of creating a pre- or postnup, what can make the cost go up, and the importance of financial disclosure 18:30 Sticky situations a prenup can help couples avoid, the stigma of prenups, and why Kara doesn’t agree with the bad rap–even though she hears it a lot 21:51 Why unmarried couples who purchase real estate should get a cohabitation agreement, what it means to be joint tenants, and the importance of taking title 25:22 Why Kara didn’t get a prenup, the importance of ongoing communication about finances in marriage, and red flags to look out for Show Notes To get access to the full show notes, including all the resources mentioned, visit: https://hendershottwealth.com/podcast/kara-foster-finances-in-marriage Hendershott Wealth Management, LLC and Love, your Money do not make specific investment recommendations on Love, your Money or in any public media. Any specific mentions of funds or investments are strictly for illustrative purposes only and should not be taken as investment advice or acted upon by individual investors. The opinions expressed in this episode are those of Hilary Hendershott, CFP®, MBA.…
 
Today I’m joined by the brilliant Beatriz Victoria Albina (a.k.a. Béa) for a conversation about something I’m incredibly passionate about: empowering women to own their truth, author their lives, and thrive in mind, body, relationships, and finances. Béa is a Master Certified Somatic Life Coach, breathwork meditation guide, and the host of the Feminist Wellness Podcast. Her work helps those socialized as women reconnect with their bodies and minds, break free from codependency, perfectionism, and people-pleasing, and reclaim their joy and power. In this episode, we dive into why so many women self-sacrifice to make others happy, what it means to emotionally outsource your sense of belonging, and how to cultivate internal self-worth. We uncover the unspoken expectations that fuel self-sacrifice, explore the transformative role of somatic experiencing, and discuss how to realign emotional, physical, and financial choices with your values. You’ll also learn about the “rescue trap,” the power of setting boundaries and saying “no,” and how to prioritize self-honoring behaviors. Béa shares practical exercises to help unravel people-pleasing tendencies, regulate your nervous system, and connect your beliefs and values with your actions. This conversation is packed with valuable insights and actionable strategies to help you spend your time, energy, and money in alignment with what truly matters to you. Let’s dive in! Here’s what you’ll learn in this week’s episode of Love, your Money®: 04:00 Why so many women self-sacrifice in order to make others happy and emotionally outsource their sense of belonging–plus, how to generate an internal sense of belonging 07:33 The unspoken expectations that fuel self-sacrifice, why it’s important to have compassion for ourselves, and how to practice somatic experiencing 09:45 How people who are raised and socialized as women overspend emotionally, physically, and financially–and how Béa works with clients to realign their choices with their values 10:51 How we can start to unravel our people-pleasing tendencies and use somatic practices to regulate our nervous systems 12:57 The best way to develop somatic bodily awareness, why meditation might not be the answer for everyone, and lessons about regulation from a chihuahua 21:56 What the rescue trap is, why women are vulnerable to it, and the implications of this variety of self-abandonment–in big and little ways 26:01 Why ‘no’ is such a hard word for women to face, how we can reframe that experience, and the role of boundaries in preventing resentment 29:17 How Béa identifies the difference between self-abandoning and self-honoring choices, and why somatic processing is an integral part of it 31:24 How selfishness can help you prioritize your spending, how Béa thinks about financial regret, and lessons she’s learned from past spending choices 34:32 An exercise to help you connect with your internal compass and empower yourself to make a different choice when you sense self-abandonment Show Notes To get access to the full show notes, including all the resources mentioned, visit: https://hendershottwealth.com/podcast/beatriz-victoria-albina-self-sacrifice-vs-self-honoring Follow Hilar Hendershott Wealth Management, LLC and Love, your Money do not make specific investment recommendations on Love, your Money or in any public media. Any specific mentions of funds or investments are strictly for illustrative purposes only and should not be taken as investment advice or acted upon by individual investors. The opinions expressed in this episode are those of Hilary Hendershott, CFP®, MBA.…
 
Today on Love, your Money® , I’m thrilled to bring you a conversation with someone I personally listen to nearly six days a week: award-winning broadcast journalist Erica Mandy. After a decade-long career in TV news, Erica left the traditional newsroom to create and host the popular daily news podcast, The NewsWorthy–a show that delivers the day’s news in a way that’s convenient, unbiased, and enjoyable. Erica and I first crossed paths years ago at a podcasting industry event when both of our shows were just getting started. As I got to know her and became a loyal listener of The NewsWorthy, I was struck by how aligned our values are, especially when it comes to covering financial and economic events. Her “fast, fair, fun” approach to news reporting has guided my experience through major global moments, from the COVID-19 pandemic to presidential inaugurations, Olympic games, and more! In this episode, Erica shares her journey from traditional news reporting to building her own media platform. We discuss how her approach to delivering news has changed, the behind-the-scenes challenges and rewards of running a successful daily news podcast, and her mission to help people stay informed without the overwhelm. Erica is a woman whose work has inspired me, and whose voice has become a trusted part of my daily routine. I am delighted to introduce you to her, and I hope you enjoy this episode as much as I enjoyed recording it! Here’s what you’ll learn in this week’s episode of Love, your Money® : 04:36 The types of media we consume, how the news influences how we feel, and why it’s leading Americans to feel news burnout 07:07 Why Erica left TV news, the impact that working in the newsroom had on her well-being, and the point of diminishing returns with media consumption 09:25 How Erica and her team decide which stories that make it onto her daily news podcast, The NewsWorthy 10:41 How the newsroom functioned when Erica worked there–from who chooses and writes the stories to doing interviews, picking lead headlines, and delivering the news on-air or in print 16:20 The benefits of independent news and the kind of impact Erica wants her show to have 22:58 The cost of giving up the dramatic lens in delivering the news–whether it’s current events or financial news–and why the sacrifice is worth it to Erica (and me!) 24:05 The time + team it takes to produce a 10-15 minute daily news show Show Notes To get access to the full show notes, including all the resources mentioned, visit: https://hendershottwealth.com/podcast/erica-mandy-fast-fair-fun Follow Hilary on: LinkedIn Instagram YouTube Hendershott Wealth Management, LLC and Love, your Money do not make specific investment recommendations on Love, your Money or in any public media. Any specific mentions of funds or investments are strictly for illustrative purposes only and should not be taken as investment advice or acted upon by individual investors. The opinions expressed in this episode are those of Hilary Hendershott, CFP®, MBA.…
 
Today’s topic is a highly requested one: how ADHD impacts your finances. I’ll be honest, normally when I have a guest on the podcast, I’m at least a little bit familiar with the topic we’re going to discuss–but today is different. Until this conversation, I had next-to-no experience dealing with ADHD. But I do know it’s a common issue as more and more adults–especially women–receive ADHD diagnoses. And that’s why I’m so excited to welcome Dr. Stephanie Sarkis, PhD to the Love, your Money® Podcast to share her expertise! Dr. Sarkis is a psychotherapist who specializes in ADHD, anxiety, and working with victims of narcissistic abuse. She is the author of eight books and three workbooks about ADHD and money, healing from toxic relationships, and the impact of emotional abuse on your finances. Stephanie is a National Certified Counselor, Licensed Mental Health Counselor, American Mental Health Counselors Association Diplomate, and a Florida Supreme Court Certified Family and Circuit Mediator. She has been in private practice for over 20 years, is an online contributor to Psychology Today, and hosts the Talking Brains podcast. In other words, if we want to talk about ADHD and money, we’re in good hands today. So buckle up, and let’s dive in! Here’s what you’ll learn in this week’s episode of Love, your Money®: 04:10 How the three subtypes of ADHD present, and how symptoms (like executive dysfunction or impaired impulse control) affect financial decisions and outcomes 07:48 The difference between being disorganized and having ADHD, the symptom spectrum, and getting diagnosed in childhood versus as an adult 11:17 Understanding the brain chemistry that fuels ADHD, effective treatment options, and how neurotransmitter activity influences behavioral patterns 17:25 Investing and ADHD, finding the right resources to support your wealth building, and developing a healthy relationship with a financial professional 20:35 How people with ADHD can learn about finances, the power of gamification, and the cash flow management system Stephanie recommends 26:26 Couples and ADHD: Why people with ADHD tend to fight more about money, and why they’re more vulnerable to financial or narcissistic abuse 29:46 Tips for talking to your partner about money–without a fight, and the characteristics of a healthy financial partnership Show Notes To get access to the full show notes, including all the resources mentioned, visit: https://hendershottwealth.com/podcast/stephanie-sarkis-adhd-and-money Follow Hilary on: LinkedIn Instagram YouTube Hendershott Wealth Management, LLC and Love, your Money do not make specific investment recommendations on Love, your Money or in any public media. Any specific mentions of funds or investments are strictly for illustrative purposes only and should not be taken as investment advice or acted upon by individual investors. The opinions expressed in this episode are those of Hilary Hendershott, CFP®, MBA.…
 
Have you heard the phrase “be stubborn about your goals and flexible about your method”? It’s pretty good advice. Attachment and unwillingness to release the plans we’ve made or the expectations we have can be very costly, which is something that today’s guest has learned a lot about in the last few years. But thanks to healing core wounds and reprogramming her subconscious, she’s been able to work through those ego blocks and accomplish some pretty incredible things. Tonya Rapley is someone who really embodies the 7 Steps to Wealth in her life. Her story is a great example of what’s possible when you break through limiting beliefs and author your own life based on what you actually want–not what you’ve inherited. Tonya is a speaker, financial educator, best-selling author, and investor. She is the CEO of Her Legacy Media, Inc., and founder of My Fab Finance–a media company that helps you do things with your money that you’re proud of. I invited Tonya to join me on the podcast to talk about her money journey, including her transition from working at a non-profit to running a multi-million dollar business, getting paid well while doing good in the world, and why she’s choosing to return to employment after nearly a decade of entrepreneurship. The way Tonya talks about embracing a beginner’s mindset and using new experiences to heal as you age is really inspiring, and I hope you enjoy this conversation as much as I did! 👇 Here’s what you’ll learn in this week’s episode of Love, your Money : 02:26 The story of Tonya’s transition from working at a non-profit earning $45k per year to being an entrepreneur with $45k months 04:55 How Tonya’s upbringing influenced the expectations she had for herself, and what she did to break free from those limiting beliefs 08:16 How Tonya defines a “beginner’s mindset”, and how you can use the beginner’s mindset to heal as you age 09:42 How Tonya found guidance as an adult, created her own board of directors, and how that mentorship led her to learning how to play (and love) golf 14:26 The courage of making asks–and the power of those asks to further your career and offer support in your personal life 16:04 Tonya’s recent transition to life as a single mother, why she had to right-size her life to fit her current situation, and how her ego flared up along the way 16:57 The financial lessons Tonya learned from her divorce, and the advice she has for other women who are dissolving a financial partnership 20:59 What it means when people try to buy transformation versus earning it, and the tools Tonya uses to reprogram her subconscious programming and heal 24:07 Tonya’s upcoming return to the workforce, and how she’s leveraging the skills she learned as an entrepreneur in her new job Show Notes To get access to the full show notes, including all the resources mentioned, visit: https://hendershottwealth.com/podcast/tonya-rapley-beginners-mindset Follow Hilary on: LinkedIn Instagram YouTube Hendershott Wealth Management, LLC and Love, your Money do not make specific investment recommendations on Love, your Money or in any public media. Any specific mentions of funds or investments are strictly for illustrative purposes only and should not be taken as investment advice or acted upon by individual investors. The opinions expressed in this episode are those of Hilary Hendershott, CFP®, MBA.…
 
Listen up: There’s going to be dollar signs flying at you after this episode. Okay, I might be exaggerating, but listening to today’s guest WILL change how you show up in crucial conversations in the workplace–and what opportunities those conversations open up for you. Melody Wilding is an award-winning executive coach, human behavior professor, and the author of Trust Yourself: Stop Overthinking and Channel Your Emotions for Success at Work , and its follow up, Managing Up: How to Get What You Need From the People in Charge , coming out in March 2025. As a therapist, coach, and emotions researcher, Melody weaves evidence-based neuroscience and psychology with professional development. She joined me on Love, your Money® to share her expertise as it relates to money conversations, negotiating with higher ups, and advocating for yourself financially in a professional setting. If you’re what Melody calls a Sensitive Striver–a highly sensitive person who’s also high achieving–OR you’ve ever felt like your people-pleasing ways are holding you back in the workplace or your personal life, this is a conversation you don’t want to miss. 👇 Here’s what you’ll learn in this week’s episode of Love, your Money : 02:08 Melody’s term Sensitive Striver–what it is, how Melody started working with highly sensitive achievers, and how it relates to her latest book 03:38 The difference between sensitivity and empathy, how they show up in professional settings, and the role of sensitivity in an evolutionary setting 06:14 The struggles sensitive people may come up against when it comes to pursuing financial freedom and asking for what they need 08:25 When Imposter Syndrome shows up, and how it impacts sensitive people–especially when it comes to financial goals and accomplishments 13:53 Increasing your visibility, earning what you want, and the cost of flying under the radar 16:19 Problem, Action, Solution: Melody’s conversational framework to help you advocate for yourself, and share your accomplishments in effective and memorable ways 20:11 The quitting conversation: What to do when you feel stuck in your career, the value of building relationships instead of burning bridges, and navigating exit interviews with grace 24:55 How sensitive people can think about timing and self-advocacy when asking for raises or promotions, and getting teammates aligned with your desire for advancement Show Notes To get access to the full show notes, including all the resources mentioned, visit: https://hendershottwealth.com/podcast/melody-wilding-high-achievers-advocate Follow Hilary on: LinkedIn Instagram YouTube Hendershott Wealth Management, LLC and Love, your Money do not make specific investment recommendations on Love, your Money or in any public media. Any specific mentions of funds or investments are strictly for illustrative purposes only and should not be taken as investment advice or acted upon by individual investors. The opinions expressed in this episode are those of Hilary Hendershott, CFP®, MBA.…
 
Want to help your child get into their top choice college with $75,000 of scholarship money? Then pay attention Money Lover, because today we’re talking about what you need to know–and what you can do–to make that happen. Choosing and paying for the right college is something that has frustrated many parents for many years. Dr. Pamela Ellis has made it her mission to help families navigate the admissions process and get the financial support they need, which is why I invited her to join me on the podcast! Dr. Ellis is an award-winning author of the best-seller "What to Know Before They Go: College Edition," and the founder of Compass College Advisory. She and her team have helped over 30,000 families navigate college admissions, ensuring teens find the right fit without overspending. Dr. Ellis has a 95% success rate in getting students into their top-choice colleges, and secures an average of $75,000 in scholarships per student. In this conversation we talked about what led her to this line of work, how she supports families in the college application process, and the five elements of “fit” to consider when selecting a school. Buckle up for a conversation you will find educational and illuminating–because it covers more than just how to fund a 529. Here’s what you’ll learn in this week’s episode of Love, your Money : 02:27 How being a first generation high school and college graduate influenced Pamela’s education experience and led her to become “The Education Doctor” 04:35 How Pamela’s work supports teens and parents–and why she visited 500+ colleges to help her connect students with the right school for their needs 06:50 When families should begin strategizing for college applications, and activities that are helpful in the application process 08:43 The struggle of letting go when you’re a parent, how Pamela helps parents trust their children in the process, and why that’s so important 12:05 The sticker price of college, the average amount American families actually pay, and where the biggest scholarship dollars come from 13:39 The five factors of “fit” that helps Pamela match students with the best college–and increase their chances of admission 15:05 How social dynamics, recreational activities, and personal factors like diet influence the best college/student fit 16:37 How finding the “right” college fit impacts the amount of scholarship support you can access, and the best place to focus your energy, including the FAFSA and CSS Profile 19:48 A story from Dr. Ellis that will make you never doubt the support your student can get 23:25 A gift from Pamela: The College Confidence Blueprint, a step-by-step guide to support your teen in their college journey Show Notes To get access to the full show notes, including all the resources mentioned, visit: https://hendershottwealth.com/podcast/pamela-ellis-find-the-right-fit-for-college Follow Hilary on: LinkedIn Instagram YouTube Hendershott Wealth Management, LLC and Love, your Money do not make specific investment recommendations on Love, your Money or in any public media. Any specific mentions of funds or investments are strictly for illustrative purposes only and should not be taken as investment advice or acted upon by individual investors. The opinions expressed in this episode are those of Hilary Hendershott, CFP®, MBA.…
 
I know many of you have wondered what sets financially successful individuals apart when it comes to their money routines, particularly at year end–because you ask me! Every year, I get emails and DMs asking if I have any tips for ending the year knowing you’ve made the most of it financially, and setting yourself up for future success. So today, we’re talking about end-of-year routines that wealthy people embrace to grow their wealth and protect their financial legacy in the years to come. I’m going to share some strategies you can adopt to make sure you finish 2024 on solid financial ground, and start 2025 with clarity, renewed energy, and the confidence that comes from knowing you’ve taken care of business. Of course, doing a year-end wrap up for your finances isn’t just for businesses–it’s also a great habit to get into with your personal finances! That’s why we'll be exploring a range of financial routines and end-of-year best practices, taking into account both the perspectives of individuals and business owners. From tax-efficient strategies to charitable giving, health insurance, Roth conversions, and more–we’re going to run the gamut, and in the end, it’s going to feel so good. Whether you’re early on in your wealth-building journey or you’ve been at it for a while, this is your chance to do something that I know your future self will thank you for. So get your favorite note taking tool ready, and let’s dive in! Here’s what you’ll learn in this week’s episode of Love, your Money: 03:45 Why insurance is a must for protecting your wealth (and health!), important deadlines to watch for, and ensuring you have adequate coverage 08:15 Breaking down retirement savings accounts, the tax implications of each, and maximizing–and increasing–your contributions 15:10 Required Minimum Distributions, important deadlines, and what to do if you inherit an IRA 17:57 Charitable giving, annual gift exclusions, donations, tax deductions, and organizing the paperwork for your tax preparer 20:54 Harvesting capital gains, Roth conversions, and setting yourself up for tax-free withdrawals in retirement 26:07 How wealthy people relate to their net worth, how to determine yours, and why it’s the most important data to track for your financial freedom 29:00 For the business owners: Best practices for bookkeeping and year-end routines for your business 34:21 Payroll, inventory, and administrative details you don’t want to miss–like the Corporate Transparency Act and BOI reporting requirements 41:35 Looking forward to 2025: Creating meaningful goals, and laying the foundation for a successful + profitable new year! Show Notes To get access to the full show notes, including all the resources mentioned, visit: https://hendershottwealth.com/podcast/end-of-year-routines Follow Hilary on: LinkedIn Instagram YouTube Hendershott Wealth Management, LLC and Love, your Money do not make specific investment recommendations on Love, your Money or in any public media. Any specific mentions of funds or investments are strictly for illustrative purposes only and should not be taken as investment advice or acted upon by individual investors. The opinions expressed in this episode are those of Hilary Hendershott, CFP®, MBA.…
 
Are you good at accepting compliments or help from others? Because today’s guest really had me thinking about how often I see women deflect kind words or struggle to receive support–and how that could be negatively impacting their wealth. I’m absolutely chuffed to welcome Cathy Heller back to the show. Cathy is a teacher, author, and host of one of the top spiritual podcasts, Abundant Ever After, which has been downloaded more than 45 million times! I love having Cathy on the show because there’s so much overlap between her spiritual encouragement to lean into connection to higher power and my message of financial self-empowerment. We’re both in the arena sharing our own past mistakes with money–and now–our currently transformed and abundant state, because we want you to know that abundance and wealth are in reach for everyone. Cathy is a practitioner of the law of reception, has a deep understanding of the universal principles of manifestation, and she guides individuals on a transformative journey towards unlocking their highest potential. She joined me on the podcast to talk about her latest book, Abundant Ever After: Tools for Creating a Life of Prosperity and Ease –which is officially available as of TODAY! There’s a lot of alignment between the concepts Cathy discusses in her book and my 7 Steps to Wealth framework–especially speaking, asking, and earning–and I’m looking forward to sharing the power of these practices in her words because they truly can transform your life. So, in the spirit of living abundantly ever after, let’s dive in! Here’s what you’ll learn in this week’s episode of Love, your Money : 02:42 What abundance is, how it relates to our natural state of flow, and why that matters 08:18 Why women get trapped by the lie of scarcity, and what it takes to face–and move past–those limiting beliefs 11:17 Permission to let yourself be rich, the pressure for women to give their wealth away, and examining the impact of the patriarchy on our abundance 16:15 What most people get wrong about the law of attraction, and how the misinterpretation impacts manifestation 20:44 Examples of what can happen in your life when you’re tuned into the right vibration, and how the “ick” can point you in the right direction 25:16 The difference between living into probability versus possibility, and how the past can limit our experiences in the moment–and the future we create 28:08 Why your success will make other people uncomfortable and force them to confront their own limiting beliefs 30:15 The impact of cortisol addiction on our brain chemistry, how it creates emotional congestion, and recalibrating your system for well-being 35:44 Growing your capacity for more, and what decorating for the holidays taught Cathy about receiving abundance and love Show Notes To get access to the full show notes, including all the resources mentioned, visit: https://hendershottwealth.com/podcast/cathy-heller-permission-to-be-rich Follow Hilary on: Twitter LinkedIn Hendershott Wealth Management, LLC and Love, your Money do not make specific investment recommendations on Love, your Money or in any public media. Any specific mentions of funds or investments are strictly for illustrative purposes only and should not be taken as investment advice or acted upon by individual investors. The opinions expressed in this episode are those of Hilary Hendershott, CFP®, MBA.…
 
You have made it to the final step in the 7 Steps to Wealth framework, Protect! This is the step that ensures everything you’ve worked so hard to build can’t be lost due to unforeseen–or even semi-predictable–circumstances. This step might just be the easiest to ignore–because implementing it isn’t the most fun thing on your to do list. Believe me, I get it! It’s a lot more exciting to earn money and invest it than it is to buy insurance or meet with lawyers. But. It’s even LESS fun to lose all your hard-earned money to clerical errors or insufficient insurance. Remember: As your wealth grows, the weight of potential mistakes grows alongside it–and that’s usually a sign it’s time to bring on a financial professional who can make sure you’re doing everything you should (and could!) to grow and protect your wealth. I am fundamentally an evidence-based optimist, but let’s not sugar coat it: If you don’t protect your wealth, it doesn’t matter how much you earn–because it could all disappear in a blink. I’ve witnessed it happen more than once, and it is heartbreaking to witness every.single.time. In this episode, I share five stories of people who have lost their money due to risky investment strategies, negligent estate planning, and unexpected changes in health. These stories do not come from clients of mine, because events like this just don't happen on my watch, but I do hear about them–and I want you to learn what you can do differently so that you (hopefully!) don’t end up in the same situations. Listen in, take notes, and take heart, knowing YOU are going to protect your wealth! 👇 Here’s what you’ll learn in this week’s episode of Love, your Money: 04:25 Introducing the final step in the 7 Steps to Wealth: Protect 05:10 Story one: My friend’s uncle, who committed a quintessential financial mistake when he watched his investment accounts drop 50%, panicked, and locked in his losses instead of waiting 07:01 What could have happened with his money if he had remained invested and followed an evidence-based investment strategy 10:02 Story two: My former coworker’s husband had an unexpected stroke, lost his functional abilities, and required around the clock care… but they didn’t have appropriate insurance, healthcare directives, estate planning, or financial safety nets in place 12:34 Protecting your assets with insurance, estate plans, wills, and revocable living trusts–plus the importance of a properly structured investment philosophy 15:27 Stories three and four: How Cliff and Pete lost millions of dollars due to risky investment strategies 17:51 Story five: Someone who inherited $5 million in his thirties, and ended up with nothing in his fifties (instead of collecting a passive six-figure income) because the funds were mismanaged 18:57 The official wrap of the 7 Steps audio series–plus, when it’s time to bring a professional on board to help manage your wealth and take the guesswork out of your financial planning 21:11 How our team of female fiduciaries can help you build wealth and achieve financial freedom, no matter where you are in your wealth building journey Show Notes To get access to the full show notes, including all the resources mentioned, visit: https://hendershottwe Hendershott Wealth Management, LLC and Love, your Money do not make specific investment recommendations on Love, your Money or in any public media. Any specific mentions of funds or investments are strictly for illustrative purposes only and should not be taken as investment advice or acted upon by individual investors. The opinions expressed in this episode are those of Hilary Hendershott, CFP®, MBA.…
 
I don’t record a bonus episode every time a major event takes place, but I do find cause for chiming in when I see something sparking questions, curiosity, and potential concerns amongst my clients and community. In this case, that “something” is the 2024 presidential and congressional elections, which are officially in the books. As I’m sure you know, Donald Trump won the presidency and Republicans will now have a majority in the Senate and the House. What you might not know is what those election results could mean for your money–so that’s what we’re going to talk about in this episode. At this point, I’ve been running Hendershott Wealth through more than five presidential turnovers. I’ve had the opportunity to exercise a lot of mental acuity in evaluating implications of potential policies, and ensuring my clients’ assets are protected, regardless of the outcome. Thanks to this experience (and the evidence that backs me up) I have a lot more peace about the potential impact of the election on both my and my clients’ wealth–and I want you to feel the same kind of calm. So listen in as I share my approach and investment strategy when it comes to geopolitical events like an election, how I deal with all the feelings that are along for the ride, and what I advise you do–or, more accurately–don’t take action on. 👇 Here’s what you’ll learn in this week’s episode of Love, your Money: 00:35 Why I’m taking the mic today for a bonus episode… and my main piece of advice for this given moment, post-2024 presidential election 03:45 What I learned working in a political think tank in Washington D.C., and what’s impacted my perspective since 05:35 How policy changes impact your money and when you should take action 06:17 What your feelings about the election have to do with your money 07:48 What’s important to know about the distinction between political messaging and enacted policy 08:55 Geopolitical risks: What they are, and how they’re already priced into financial markets 10:34 Efficiently priced markets, and what they mean for your investing choices 12:32 The most important question to ask about your investment portfolio 14:42 What the evidence tells us about stock market performance and elections 16:36 The ways policy changes might actually impact your financial planning when they’re enacted into law 17:44 One of the biggest long-term economic challenges – and how a well-diversified investment portfolio helps protect your assets 21:10 What you can do if you feel unsure about your investment strategy Show Notes To get access to the full show notes, including all the resources mentioned, visit: https://hendershottwealth.com/podcast/2024-presidential-election Follow Hilary on: Twitter LinkedIn Hendershott Wealth Management, LLC and Love, your Money do not make specific investment recommendations on Love, your Money or in any public media. Any specific mentions of funds or investments are strictly for illustrative purposes only and should not be taken as investment advice or acted upon by individual investors. The opinions expressed in this episode are those of Hilary Hendershott, CFP®, MBA.…
 
Not only is today’s episode centered on one of the juiciest of the 7 Steps to Wealth… it’s also one of my favorites because the topic is downright FUN. Welcome to Step 6: Invest. This is where the money game gets exciting, and it really starts to feel like the rules are working in your favor. Each of the previous steps has been pretty responsibility heavy, requiring mental, emotional, and physical labor from you. Step 6 is really about–in an educated way–releasing the reins a little bit and letting your money do the work FOR you. Fun fact: Investing is the only way to earn true passive income, but so many people don’t take advantage of the wealth building vehicle that is the stock market because they don’t understand the rules of the playground–and I want to see that change. 👇 In this episode, we’re going to demystify the world of investing and talk about: The difference between linear and compound returns, Why investing is the solution to the longevity problem, How to determine your investing lifetime, How to tap into the financial growth that’s available in the stock market. What it means to be a prudent investor, and The keys to building a secure portfolio that will help you achieve your financial goals. Investing allows you to take advantage of the magic of compound returns so you can earn interest instead of paying it, which is the only way to outpace inflation and ensure your money outlives you. And the simple truth is this: If you want to build meaningful wealth and achieve financial freedom, you must invest. There is no way around it! So what are you waiting for, Money Lover? It’s time to turn your money into MORE: Let’s invest! Here’s what you’ll learn in this week’s episode of Love, your Money: 3:51 A note on releasing the reins: How this step of the 7 Steps framework is different than the others 6:55 The difference between linear and compound returns, and investing in a way that helps you achieve financial freedom 10:28 The longevity problem: Living longer is great… but it’s also a financial problem 13:30 The only true “passive income” – and determining your investing lifetime 14:56 Geopolitical events that the stock market has survived, and how much your money would have grown if you were invested through those times 18:30 How the gender wage gap and caregiving responsibilities influence retirement savings, and why it’s especially important for women to invest 19:50 What I mean when I talk about prudent investing, and why “beating the market” isn’t a strategy that I recommend–or the data supports 23:03 The three components of a prudent investing strategy 30:51 The types of financial advisors you can work with, how they’re paid, and why the distinctions matter for your wealth building 37:11 The real, data-based performance of mutual fund managers whose investment strategy is based on picking stocks and timing trades 42:10 Action steps you can take TODAY to start–or take the next step–on your investing journey Show Notes To get access to the full show notes, including all the resources mentioned, visit: https://hendershottwealth.com/podcast/prudent-investing Follow Hilar Hendershott Wealth Management, LLC and Love, your Money do not make specific investment recommendations on Love, your Money or in any public media. Any specific mentions of funds or investments are strictly for illustrative purposes only and should not be taken as investment advice or acted upon by individual investors. The opinions expressed in this episode are those of Hilary Hendershott, CFP®, MBA.…
 
We’re officially at (almost) everyone’s favorite step: Earn! This is what most people think about when they imagine building wealth. After all, more money seems like the obvious solution to financial problems, right? Increasing the dollars that come into (and stay in) your accounts is definitely an important piece of the wealth building puzzle, but it will only solve your financial problems IF the other Steps to Wealth are looked after. And. Earning money is exciting! It creates possibilities, and I promise you will find possibilities everywhere when you start looking for them. In this episode, I talk about what gets in the way of people making more money, give ideas to help you earn more as an employee or a business owner, and share stories about people who have leaned into the Earn step to increase their wealth–and change their lives for the better. ✨ The purpose of this step is really to start thinking about earning as the intersection between your thoughts and your choices, so you can understand the changes you need to make if you want a different result. My goal is to leave you inspired to think outside the current box you’re building wealth in–because I KNOW you can find new, creative ways to increase your earnings and achieve financial freedom… on your terms. Here’s what you’ll learn in this week’s episode of Love, your Money : 04:39 Why many high earners don’t retain (or grow) their wealth, and why increasing your earnings requires intentional choices 08:15 How your Money Operating System® impacts your earning potential, and common misconceptions about becoming rich 11:11 How to build wealth as an employee even if getting a raise isn’t in the cards, and finding income outside of your paycheck 14:55 Ideas to increase your earnings as a business owner–beyond raising your prices 16:45 Stories of people successfully increasing their earnings while working in a non-profit organization, as a real estate agent with “lumpy” income, and a public works employee 23:40 The three principles our client Katie embodied to increase her earnings by 300% (yes, really!): intentionality, curiosity, and being okay with getting uncomfortable, especially in negotiations 30:25 How to overcome negative thoughts that limit your earning potential, and why the people you surround yourself with matter for your money 31:15 Where the rubber meets the road: Opening the door to your unique possibilities and stepping into your power Show Notes To get access to the full show notes, including all the resources mentioned, visit: https://hendershottwealth.com/podcast/creating-possibilities-more-money Follow Hilary on: Twitter LinkedIn Hendershott Wealth Management, LLC and Love, your Money do not make specific investment recommendations on Love, your Money or in any public media. Any specific mentions of funds or investments are strictly for illustrative purposes only and should not be taken as investment advice or acted upon by individual investors. The opinions expressed in this episode are those of Hilary Hendershott, CFP®, MBA.…
 
Welcome to one of the most elusive steps of the 7 Steps to Wealth framework: Ask. This step is life changing, because when you embody the Ask step, it means you embody the expectation that you will reach financial freedom. That said, this step is also especially difficult for women. I’m going to explain why that is–and what you can do to overcome that obstacle–because mastering the practice of asking is essential if you want to build meaningful wealth. In just 28 minutes, we’re going to explore the importance of identifying what you really want in your life, dig into what gets in the way of asking for what you want–and, you’ll be challenged to ask for more, with very specific examples and action steps to help you get started. I’ll share stories about people who absolutely changed their lives by asking, like a client who doubled her salary, a friend who got a full ride to medical school, and some women who wanted to pay for Taylor Swift tickets and ended up landing completely new jobs. (They’re my co-VPs of marketing now! 👯) But this isn’t just about getting what you want. The Ask step is really taking on the view of, the desire for, and the commitment to more. It’s adopting the mindset and behaviors that make asking for things come naturally to you–because the more you ask, the more you will receive… and that’s abundance, baby! So, what can you ask for that would help you generate more wealth, more income, more investments, more free time, more happiness, more financial comfort, and help you build the life of your dreams? Because, Money Lover, this is YOUR life. It's your money, your plan, and your future that's on the line–and I promise you no one else cares more about your money than you do. The world is full of asks. Join the party! 🎉 Here’s what you’ll learn in this week’s episode of Love, your Money: 03:50 What it means to embody the Ask step of the framework 06:21 The type of asks you can make, plus the biggest asks I’ve made–and how they changed my life 09:56 How so many people limit their abundance, how we’re rewarded for self-sacrifice, and why asking is harder for women 12:11 The importance of giving from a place of having enough, plus, what happens when you’re under resourced–and give anyway 14:22 Getting comfortable with hearing “no”, playing The Game of Yes (or The Gift of 100 No’s), and how our feelings get in the way of asking for what we need 18:20 The shortcomings of a “charge what you’re worth” mentality, and the power of shifting to “ask for what you want” 20:16 Action steps you can take in support of embodying “Ask,” including examples of things you can ask for in your life–plus some real life wins Show Notes To get access to the full show notes, including all the resources mentioned, visit: https://hendershottwealth.com/podcast/play-the-game-of-yes Follow Hilary on: Twitter LinkedIn Hendershott Wealth Management, LLC and Love, your Money do not make specific investment recommendations on Love, your Money or in any public media. Any specific mentions of funds or investments are strictly for illustrative purposes only and should not be taken as investment advice or acted upon by individual investors. The opinions expressed in this episode are those of Hilary Hendershott, CFP®, MBA.…
 
I often say there are two worlds of money: the one that lives in your bank account, and the one that lives in your head. And the only way to make that second world real is to talk about money, which many people are hesitant to do. But I have been behind the scenes of so many peoples’ bank and investment accounts, and deep in conversation about their money stories. Over the years, I have witnessed firsthand the power of words when it comes to creating their reality–and financial future. I’ve watched a client shift from saying “money is easy come, easy go” to “money is easy come, easy stay, easy grow,” and before long her account balances synced up with that mantra. I’ve also had clients report that they stopped fighting with their spouse about money once they started talking openly about it–and they were able to accomplish so much more when they were on the same page. Talking about money might seem like a tiny, negligible part of your wealth building experience–but it’s not! It’s transformative, and that’s why the third step of my 7 Steps to Wealth framework is Speak. In this episode, you’re going to hear the nitty gritty of how my upbringing and money story influenced my financial outcomes, how I rewrote that story by changing the way I spoke about money, and you’ll walk away with new, empowered ways of thinking and speaking that you can use to replace old money stories that don’t serve you. You really can lead your experience and results with money with your speaking, and changing the words you use will change your life. Listen to this episode and you’ll understand why! Here’s what you’ll learn in this week’s episode of Love, your Money : 4:13 Where your money beliefs come from, how they show up in your financial life, and why it’s so important to talk about money 6:00 How my upbringing shaped my money beliefs and behaviors, and how I created a different financial reality by changing the way I speak 10:57 How my money conversations changed when I met my husband, and why talking about money is so important within romantic relationships if you want to be in full financial partnership 12:52 Stories of people who changed the way they spoke about money–and their financial outcomes–and how the way you speak can keep other people from sabotaging your wealth 15:38 How talking about money shows up in the way we raise our daughter–and how we hope that impacts her experiences in life 19:02 The most common ways I see people sabotage their wealth with their words, and why I don’t take private flights to Paris (even if I can afford it!) 21:35 The tension between virtue, wealth, and financial fulfillment 23:48 Empowered ways to think and speak about money that you can use to replace old money beliefs and outcomes 28:45 Actions you can take to support the Speak step–and prompts to start these conversations with the people in your life Show Notes To get access to the full show notes, including all the resources mentioned, visit: https://hendershottwealth.com/podcast/money-matters-7-steps-to-wealth/ Follow Hilary on: Twitter LinkedIn Hendershott Wealth Management, LLC and Love, your Money do not make specific investment recommendations on Love, your Money or in any public media. Any specific mentions of funds or investments are strictly for illustrative purposes only and should not be taken as investment advice or acted upon by individual investors. The opinions expressed in this episode are those of Hilary Hendershott, CFP®, MBA.…
 
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