Podcast

Breaking the cycle in your life isn’t supposed to be easy or fun all of the time. So let’s take a short break from the stories and do a recap – what does breaking the cycle mean? What are some ways to recognize your life isn’t working? What are some myths when it comes to breaking the cycle in your own life? And perhaps most importantly, what role does money play in all this?

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What You Hear in This Episode:

• What exactly does the term breaking the cycle means
• Why it’s ok to make changes even when things seem fine in your life
• Myths around the concept of breaking the cycle
• Why money is so important to helping make changes in your life
• How you can start making much needed changes in your financial life
• Why starting with the basics is key

Resources:

• Finding Your Enough Number
• Desmond Tutu
• Financial Risks (and Beyond) When Breaking The Cycle with Cait Flanders
• Losing $5.5. Million Dollars to Inheritance Theft with Emily Guy Birken
• Recovering From a House Fire with Jackie Lambert
• 5 Steps for Tracking Your Monthly Expenses
• The Ultimate Guide to Money Mindset Mastery
• Emotional Spending Guide
• Values Based Spending Guide

One night, Jackie’s house burnt down through a freak accident. Jackie and her husband had nowhere to go — thank goodness the firefighter staff called the Red Cross for them, got a few hundred dollars so they could go stay a hotel. She comes on the show to talk about the time her house burnt down and had to fight with the insurance company for eight months to pay her the full amount in her policy. She goes into detail who she hired, what she regrets not doing before buying a home insurance policy and what she’s most thankful for through this entire ordeal.

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What You Hear in This Episode:

• What exactly happened to Jackie and her husband on the night of the house fire
• What incidents led to Jackie realizing her home insurance company wasn’t on her side
• Why she had to hire an third-party insurance professional to help her fight for her claim
• How long it took for Jackie to get what she was owed
• What Jackie’s biggest learned was when it comes to choosing a homeowners insurance policy

Resources:

• jaclynlambert.com/
• Follow Jackie on Twitter
• National Association of Insurance Commissioners (NAIC) complaint index
• What happens when I file an insurance claim? – Consumer Financial Protection Bureau
• 6 things to know before you deal with a home insurance claims adjuster
• How to communicate with your insurance company

Ashleigh recounts three incidents that happened before she left — two of them involved some form of sexual harassment , leading her to leave the Navy (and not necessarily in the best terms). Learn why she is thankful for her financial situation to help her cope with what had happened during her time in the Navy, what exactly happened, why she’s so thankful for a community that helped her get better with her finances, and whether or not she feels she’ll ever have closure over what had happened.

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What You Hear in This Episode:

• Why Ashleigh felt like she couldn’t speak up at work, even in a more senior role in the Navy
• What happened to Ashleigh that led her to transitioning out of the Navy
• Why she had to defer her acceptance to Yale (hint: it wasn’t necessarily by choice)
• Why her friend ended up calling her to make sure she got the mental health assistance she needed
• Why Ashleigh may never feel closure over what happened

Resources:

• Ashleigh’s website
• 5 Things To Take From The FIRE Movement (Even If You Don’t Want To Retire Early)
• The difference between FU money and FU, money!
• Navy ‘gray-zone behavior’ study part of military sexual assault prevention and response effort
• Study reveals Navy installations carry most risk of sexual assault, but not why
• The Ultimate Guide to Money Mindset Mastery
• Emotional Spending Guide
• Values Based Spending Guide

Miranda Marquit, the founder of Freelance Writers Academy, comes on the show to about how she shifted from parenting from one where she would perpetuate the internalized beliefs she was passed down when it comes to the idea of success. Miranda goes over how she was raised, what her tactics used to be when it came to raising her son, and how she deconstructed her beliefs and most importantly, her relationship with her son to parent in a way that enables him to reach his version of success.

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What You Hear in This Episode:

• How Miranda grew up and internalized certain beliefs about success
• How she discovered she was basing her worth as a parent
• Why Miranda believes your children don’t owe us anything
• How Miranda changed her relationship with her son
• What she wants other parents to know about raising independent children

Resources:

• Freelance Writer Academy
• Miranda Marquit
• Your Children Don’t Owe You For Being Born
• Parents: Your Kids Don’t Owe You Anything
• Parenting: Raise Independent Children
• The Ultimate Guide to Money Mindset Mastery
• Emotional Spending Guide
• Values Based Spending Guide

 Emily who, after her dad passed away (and was worth 5.5 million dollars) ended up fighting tooth and nail to ensure that her stepmother didn’t steal all of her and her sister’s inheritance. 

Listen to find out why she was going to allow her stepmother to do whatever she wanted with her father’s estate until one incident which led her to saying “oh hell no!”

She goes into detail about the legal battle, what was in the estate planning documents that allowed her stepmother to spend all that money and how Emily stopped feeling angry so she could finally grieve her father.

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What You Hear in This Episode:

• What happened so that Emily’s stepmother was able to dip into the money housed in her father’s trust
• Why Emily was going to let it go until one incident with your stepmother led her to fight for her rights
• How much Emily spent on legal fees
• How long it took Emily and her sister to come to an “agreement”
• Why Emily settled for less than what was “owed”

Resources:

• Protecting Yourself from Inheritance Theft
• Trust & Will
• Do It Yourself Estate Planning – American Bar Association
• How to Get Free Legal Aid in Your State
• Why Values Are So Important to Money
• The Ultimate Guide to Money Mindset Mastery
• Emotional Spending Guide
• Values Based Spending Guide

Taking a different path in life is hard – but how do you do it without “ruining” your financial life? How can you take these sorts risks when everyone else around you doesn’t understand (and let’s be honest, aren’t supportive)?

Cait Flanders, bestselling author of ‘The Year of Less’ and her latest book “Adventures in Opting Out” comes on the show to talk about making why changes in our lives that are so scary, how can we navigate changes if nobody else is supportive, and even what if we *gasp* fail.

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What You Hear in This Episode:

• Why we’re our own worst enemy when it comes to making changes, even if it’s good for us
• How Cait structured her finances to be able to make various transitions in her life
• Why hard things are actually good for us in our life adventures
• What failure really means and how we can start to look for support systems around us when making changes

Resources:

• Adventures in Opting Out – Cait’s Latest book
• Cait Flander’s Website
• The Year of Less: How I Stopped Shopping, Gave Away My Belongings, and Discovered Life is Worth More Than Anything You Can Buy in a Store
• Follow Cait in Instagram
• Why Values Are So Important to Money
• Removing Money From Your Self-Worth
• The Ultimate Guide to Money Mindset Mastery
• Emotional Spending Guide
• Values Based Spending Guide