Episode #93 Understand Business Finance with Liz Lajoie

May 18, 2017

Are you feeling out of balance with the money for your business? Today on Financial Fluency, we are chatting with the lovely Liz Lajoie. Liz is the owner of Stratera Business Solutions, a consultancy that helps coaches and creative professionals manage their finances. In this episode, Liz will give us an insider look into her new book which is being released today, that details how to manage and understand your business finances. With this, you’ll be able to free up your time so you can do more of what you love and achieve your zen.

Liz has a strong background in professional services and business management. She spent a decade as a business manager, CFO, and partner for a civil structural engineering firm. Liz was invited into the ownership and became the only woman in the ownership group. During that time, she suffered from a mystery illness that seemed to have no true diagnosis. After several years, she discovered her illness was Lyme disease. The disease put things into perspective for Liz and made her realize what kind of work made her happy—helping people sort out their small business finances while helping them achieve their goals.

Money management is a process. Liz’s book From Zero to Zen: The Secret Keys to Nurturing Your Numbers and Finding Your Financial Flow is a financial how-to book for small businesses and entrepreneurs that will walk you through the best financial practices. Her goal is to have readers feel confident about their money and better understand all the ins and outs of being a small business owner. The book goes through how to read financial statements, setting aside money for taxes, how much money to take out of your business to pay yourself, and more. Liz drives home a key point—you can’t do things right if you don’t have a handle on it.

Here are some of Liz’s business tips:

  1. Separate personal and business money.
  2. Create a business checking account.
    1. Note: If you haven’t created an LLC or an incorporated company, it might be hard to open a business checking account. In that case, open up a separate checking account to manage your business finances.
  3. Use a financial accounting system to give you a full financial picture.
  4. Look at your cash flow regularly in order to keep accurate reports for your business.
  5. Scan paper receipts to one location to keep a track of everything.
  6. Assess your client onboarding process as the business owner to develop and nurture your relationship(s).


Liz Shares Words of Financial Wisdom:

“Take a look your initial onboarding and/or contract flow to get cash in hand is. It can be an area that takes a lot of time, which can affect how long it takes for us to get paid. It’s a great opportunity to develop a great client relationship. Your contracts, invoices, receipts—anything written for your service can be a part of your client communication. The better you are at that, the more the client is going to love working with you. And they may be great as a referral or a continued client.”

You can connect with Liz on her website www.staterabusiness.com, or follow her on social media.

LinkedIn: www.linkedin.com/in/lizlajoie

Facebook: www.facebook.com/staterabusiness

Twitter: @staterabusiness



Get Liz Lajoie’s book, From Zero to Zen: The Secret Keys to Nurturing Your Numbers and Finding Your Financial Flow 

Zen Calculator: https://staterabusiness.com/zencalculator

Stratera Business Solutions: http://www.staterabusiness.com/

Quickbooks: https://quickbooks.intuit.com/

HubDoc: http://hubdoc.com/



Liz’s passion is partnering with coaches and creative professionals to help them focus on their clients and grow their businesses. She loves to support her clients as they learn the ins and outs of managing their money, and finding ways to increase profits while decreasing any stress associated with their business’s finances. She believes it can be intimidating to face your finances as an entrepreneur. When you jump over the hurdle of "I just don't want to know" and get comfortable with your numbers, amazing things can happen and you realize how much better you feel about your money, your business, and the life you're working hard to build.

Her new book From Zero to Zen: Secret Keys to Nurturing Your Numbers and Finding Financial Flow is available on Amazon Thursday, May 18th.

She also has a fun, free tool - The Zen Calculator - which helps identify the top money-making numbers and how to use them to grow your business. Get access to the calculator here: www.staterabusiness.com/zencalculator.


Episode #92 The Journey of Imua with Meghan Alonso

May 17, 2017

Imua (pronounced ee-moo-ah) Services, founded by our guest Meghan Alonso, helps startup companies and individuals get their medical innovations up and running.  The hawaiian word “imua” means “to advance forward with passion despite rough waves”.   With nearly 75% of all startups in this field failing, Meghan’s company offers training, education and connections to key development partners, tailored to the client’s needs so they can bring their life-changing and even life-saving technology to the world.  

Meghan’s passion stems from some rough waves due to medical issues for her and her family.  

Meghan was born with a folded retina in her left eye that by the time she was in college was replaced with a custom made, hand painted prosthetic eye which looks almost imperceptibly real.  She also has an extra vertebrae in her spine which has resulted in numerous issues including scoliosis, disk herniations, and a tilted pelvis among others.  She had a love of dance and gymnastics, and despite pain which she learned how to manage through exercise, she excelled at both, and even did gymnastics right through college.

Her family’s biggest challenge though came from an unidentified illness that plagued her brother, which was eventually identified as Hepatitis C.  Both Meghan and her mother also tested positive for it.  Meghan’s mother likely contracted through a blood transfusion in the mid ‘70s which she transferred to her son and Meghan in utero.  This led to 7 different treatments of low-dose chemotherapy. Through this challenging time they kept moving forward, and now happily report that all three of them are completely free of the disease.

Meghan’s passion for surfing led her to Hawaii where she enrolled in a graduate program that ended up not being for her.  After one semester, she dropped out, and surfed all over the island.  She worked at the 4 Seasons Lanai which she loved but eventually realized she didn’t see herself doing it long term.  She obtained Exercise Science Master’s Program in Houston and eventually settled in San Diego.  There she helped athletes reach their full potential.  This led to her working in an orthopedic rehab clinic where she was exposed to medical devices, and a multitude of patients with different rehab protocols.  She was later invited to build a rehab center from the ground up which is now a three center organization.

When she moved on from there, she Meghan had the opportunity to live out one of her childhood dreams of dancing on TV and with the Ooh La La salsa dancing troupe, toured all over Europe and the US.  She also was part of America’s Got Talent in Season 6.  All the dancing took a toll on her body, and the pain in her back became increasingly worse and she discovered she also had hip dysplasia and she had damaged the lining of both of her hip sockets.  This led to surgery in Colorado which involved a hip replacement.  Her experience at the clinic led her to finally dive into the field of medical devices.  

She started Imua in 2015 after she had been working in medical product development.  The company she was working for was predominantly an engineering firm that innovators used to take care of the engineering component of the device idea.  She soon found herself being contacted by passionate people who had great ideas, but no idea how to get started.   Initially, she offered them resources to help them get started, and soon, it became a business.

Meghan helps her clients navigate the complicated process of bringing their ideas to the marketplace.  Whether they move towards actually manufacturing and marketing their product, or selling the idea to a company who can do so, Imua’s mission remains to become the world leader in helping entrepreneurs, scientists, students and inventors bring their life changing ideas to fruition.

You can connect with Meghan on her IMUA website at http://imua-services.com/,  via LinkedIn at https://www.linkedin.com/in/meghanalonso, on Twitter at https://twitter.com/meghanmalonso?lang=en,  and on Facebook at https://www.facebook.com/meghanmalonso.



Episode 2 of Meghan’s Podcast - Inspired by IMUA - Running on 3D Printing Prosthetic Legs: How 3D Printing Changed Derby the Dog's Life with Tara Anderson: http://imua-services.com/taraanderson/

Meghan’s Podcast - Inspired by IMUA - http://imua-services.com/podcast-archive/

Texas born and bred with ALOHA SPIRIT and a sprinkling of So Cal carefree, meet Meghan Alonso.  Meghan M. Alonso is known for her medical device podcast, Inspired by Imua, and her valuable connections in the medical industry. She is a patriotic military wife, pet parent, founder and co-founder of 4 successful companies who thrives on guiding medical device and IVD companies through development and manufacturing.

When she isn’t helping others, Meghan is hard at work on her MBA she is pursuing from Auburn University, staying active with her adorable husky Abby, crossfitting, enjoying great restaurants and fine wine with her husband, and soaking up the sun on the So Cal beaches.


Episode #91 Livestream and Profit with Katya Varbanova

May 10, 2017

Ever wonder how to turn livestreams into income?  This week, we have LiveStreamKatya, a Live streamer and a strategist who helps Entrepreneurs utilise live streaming to grow their audience online and generate revenue.

When Katya started her online business in 2015, Katya was working as the right hand of a high profile Executive Managing Director in London.  Despite having a great deal of responsibility, the job was not overly stressful, and she was able to develop a business on the side.

Katya discovered Periscope quite by accident, in fact to quote her, out of boredom.  Once she started getting to know the platform, she saw the potential in it, and started a community so that she could combine efforts with others so that they could all get 10,000 followers each. From that idea came Peri10K, a free community Katya created, in which the members supported each other, and created and shared content together, attracting more followers.

The members created a show called the Share-a-thon, which was a daily livestream show where one topic was discussed and members would share all their followers.  The high quality of the speakers and interesting topics allowed the group to grow very quickly.  Within a couple of weeks, the group had grown exponentially, and Katya was spending countless hours after her 9-5 and on the weekends to support it.   She then realized she had to decide whether to keep it, or shut it down.  At this point, she was not making any money with it. When someone suggested that she charge a monthly fee for the group, Katya set it up and saw her membership grow to 60 members within 30 days, which was enough to quit her 9-5.    

She tiered the membership levels, so that the early birds got in for $15 per month and 20 people signed up.  The next 20 people signed up at $30 per month and the next 20 people signed up at $50 per month.  She also incorporated as soon as she started to charge to minimize tax implications.

From the initial platform of Periscope, Katya added a blog that quickly had thousands of viewers, and that she invited others to guest post on.  They also started monthly masterminds, hot seats, a Peri10K app and eventually training on live streaming.  

Today Katya defines Peri10K as a mastermind that does 2 things:  keeps members accountable, and give them the support and knowledge that they need to succeed.  The monthly membership rate went up to $75 per month, and then to its current level of $97 per month.  Membership is by application, and is only open a few times a year.  There are currently somewhere around 150 members.  

Many people find that livestreams on their business page tends to be much less followed than those on personal pages.  In order to grow your Facebook business presence, Katya recommends going live as often as you can on your business page, and not on your personal page.  Firstly because visitors on your business page can be tracked, unlike personal page followers, and secondly because it is actually against Facebook’s terms and conditions to do any selling, and if someone complains, Facebook can shut down your page, no questions asked and without warning.

For help with tracking viewers on Periscope, there is a software called Fullscope.tv  that is available for $20 per month, which allows you to see who was there and read and respond to the comments.  You can also collect emails by having your followers put their email addresses in the comments, and mast export them.    

Because Twitter and Periscope are part of the same company, you can easily reach out to your followers very easily.

Today, Katya general prefers Facebook for live streaming supported by ads to target the right audience.  While Instagram live is great for nurturing followers and hosting giveaways, it doesn’t allow you to share content.

Live.ly and Live.me are great for the under 18 crowd and allows you to actually make money from their live broadcasts.  

Busker allows you to sell products on the platform or get tips.  It links to your stripe account, and people can buy right from your broadcast.   

You can connect with Katya on her Youtube channel at  bit.ly/katyayoutube, on Periscope  at  periscope.tv/livestreamkatya, on LinkedIn at https://uk.linkedin.com/in/livestreamkatya , on Facebook at Facebook.com/livestreamkatya and Instagram at  instagram.com/livestreamkatya



Get Katya’s free Video Planner called Show up Already, the Live Video Planner to Stop You Scheming and Get You Streaming at http://www.peri10k.com/live-video-planner/

Peri10K:  http://www.peri10k.com/

Busker:  https://busker.co/

Live.ly for iPhone:  https://itunes.apple.com/us/app/live-ly-live-video-streaming/id1085024470?mt=8

Live.ly for Android:   https://play.google.com/store/apps/details?id=com.zhiliaoapp.lively&hl=en

Live.me:  https://www.liveme.com/

Periscope:  https://www.pscp.tv/

Social: @LiveStreamKatya everywhere.

LiveStreamKatya is a Live streamer and a strategist who helps Entrepreneurs utilise live streaming to grow their audience online and generate revenue. With over 35,000 social fans, she’s one of the early adopters on Periscope who quickly learned the ways of the platform and was able to validate and build her business idea, and within 90 days she quit her banking job.

She is the CEO of Peri10k, which is a community for speakers and live streamers and she helps entrepreneurs share their message through live streaming. Today, she is one of the 50 (out of millions of users) GOLD VIP Broadcaster with over 22,000 followers on Periscope and is passionate about teaching others how to generate revenue through live streaming.


Episode #90 Leverage Your Image with Rachel Nachmias

May 3, 2017

Rachel Nachmias, Founder of  Best Dressed Image & Color Consulting can teach you how to leverage your image, to create a 7 figure effortless style that is uniquely you. So if Oprah calls, you will know what to wear!

Despite being a creative, Rachel enrolled in Bryn Mawr College in Philadelphia to study Political Science, thinking this was her path, and made art her hobby.  After two years, she realized that her true love was in fashion design, so she switched to Parsons School of Design.  Despite her chosen field, Rachel privately struggled with her own style whilst attending Parsons, and beyond.  Somewhat by accident, Rachel discovered some tools that helped her define her unique personal style, which gave her confidence and a healthy body image, and decided that she needed to bring this knowledge to the world.

Rachel became a Certified 12 Blueprints Personal Colour Analyst, which allows her to help clients identify the colours that work best with their colouring and features.  Ideally this is done in person, or via one of her colleagues that is local to the client.   Color analysis is one of several tools that Rachel uses to identify her clients’ unique style.

In color analysis, the three properties that are considered are hue (warm or cool), value (light or dark) and chroma (bright or soft).  When several colors are adjusted to similar levels for these three properties, they will harmonize together.  

Rachel shares three concepts that require a good understanding of in order to zero in on the style that works for your brand, goals, shape and personality:  

  1. Know where you want to go in your business, and who you want to attract
  2. Identify how you dream of presenting yourself
  3. Consider your shape when choosing clothing, makeup and hairstyles

Rachel highly recommends that foundation clothing, especially bras, be properly fitted so that clothes will fit properly.  In fact, many a time her clothing shopping with clients begins with a professional bra fitting.  In addition, factoring in proper tailoring clothing is so important towards fit and comfort.  

Designers typically design clothing in much smaller sizes, called vanity sizing, which are in fact 2 sizes smaller than the retail versions. Many designers stop at size 10 as well, given that the average american woman is a size 16.  Finding the retail stores that sell clothing that work for you will make shopping all the more pleasurable.


Rachel Shares her Message Here:

“I help badass boss ladies of all shapes and sizes create a 7 figure style so that they can leverage their image in their business and become the go to expert in their industry. My message is about dressing (and living) with intention and learning to work with your natural physical design to create an effortlessly beautiful personal style. I do this work because I want to help women look and feel beautiful so they can move on to creating the life they want and making the difference they want to make in the world. “

You can connect with Rachel on her website at www.bestdressed.us, on Instagram at https://www.instagram.com/rachelnachmias/,  and on Facebook at



To get a FREE copy of Rachel’s book, email her personally at rachel@bestdressed.us.  

Rachel Nachmias is the international bestselling author of The Face of the Business and founder of Best Dressed Image & Color Consulting. As a graduate of the fashion design program at Parsons the New School for Design, Rachel began her career working behind the scenes of some of New York's top designer labels.

While working as a freelance fashion and costume designer, Rachel discovered life-changing tools that transformed her own personal style and she decided she had to share them with the world. Since then, Rachel has worked her magic on the images and lives of hundreds of clients, turning frustrated ducklings into the beautiful, stylish swans they were always meant to be. She has now shifted her discerning eye to female entrepreneurs, helping them to become camera-ready women of style who know just what to wear when Oprah calls.

Rachel lives in Philadelphia with her husband, her three fluffy toy dogs, and her collection of sparkly chandelier earrings. She enjoys traveling the world, sampling perfume, and curating cheese boards.


Episode #89 Design Your Life with Cornelia Shipley

April 26, 2017

Would you like to learn how to design your Life, in both business and personally?  Cornelia is the founder of 3C Consulting which is a leadership development firm specializing in executive coaching, leadership development programming customized to organizations, strategic planning and internal coach training certifications and capability training.  By enhancing the three C’s: Clarity, Capability, and Capacity, we help organizations get empowered to exceed their organization objectives and desired outcomes.  


Cornelia’s first book Design Your Life: How to Create a Meaningful Life, Advance Your Career and Live Your Dreams, began in Melbourne Australia in 2003 while she was in graduate school.  She was struck by the no worries attitude of the culture, and how they designed their experience moment by moment. So many design their life based on the shoulds in their life and defining their success based on someone else's terms.  Inspired, she then began writing about the concept of strategically planning one’s life, to suit their lifestyle, and how they want to live.  


In 2006, while she was living and working in New Mexico in the “right” job, her mother was diagnosed with breast cancer, and her father took a stroke.   As an only child, and with her parents living 1500 miles away in Detroit Michigan, Cornelia had to make a change and move back home to support them.  It was then that she began her consulting business.  


It was very important to her to set up her business so that her lifestyle choices could be accommodated no matter what was going on.  In fact, just 5 days after her wedding, Cornelia's mother sadly passed away unexpectedly, and as a result of her choice to create her business based on the way she wanted to live, she was able to take 3 ½ weeks off to support her father and family in that time of need, instead of relying on the 3 days for bereavement leave that is commonly awarded to employees in the corporate world.  


In addition to catering to organizations, Cornelia’s company also works with 10-12 entrepreneurs during a calendar year where the first step is to help them make the shift from owning a “job” to owning a business.  This process includes everything from outsourcing to the right people with the right skills, pricing per value instead of pricing per hour, leverage, infrastructure and most importantly, structuring the business so that they own their business rather than the business owning them.   


Cornelia’s next book, Empowered: Strategies for Executive Level Success, was written using 90 minute book .com, where you literally write a book in 90 minutes, either as a narrative, or an interview.  She now has blocks off time to do additional editing and will release it at the end of August of this year.   




“You can train for skill, you can’t train for character.” ~Cornelia Shipley


“Your brain is only programmed to have focussed attention for 30, 60 or 90 minutes - the sitcom, the drama and the movie.” ~Cornelia Shipley

Cornelia Shares her Message Here:


“My team and I take a unique approach to cultivating human potential. Many training and development organizations focus on providing more knowledge and information with the thought that better results will follow. We know that what matters most is a designed approach to development that is aligned to the desired outcomes and objectives of the organization.


Our programs are based in systems theory and our unique strategic planning process and development programs are designed to unlock leaders innate confidence and knowledge to create and take designed action that will ultimately lead them to their desired outcome. We leverage the power of your values, processes, culture and people and get them all moving together to create accelerated growth and development of the entire organization.


Our approach has set us apart in the marketplace, and is the reason many of our clients’ rely on our development process to improve their business results. Our experience has taught us that by enhancing the three C’s: Clarity, Capability, and Capacity, organizations are empowered to exceed their organization objectives and desired outcomes.”

You can connect with Cornelia on her website at www.corneliashipley.com, on Twitter at www.twitter.com/corneliashipley, on Facebook at www.facebook.com/corneliashipley, and on LinkedIn at www.linkedin.com/in/corneliashipley.




Visit www.corneliashipley.com to claim your 10 Practices of Very Influential People (VIPs)" and receive our monthly newsletter


3C Consulting website:  http://www.3cconsulting.com/


How to write a book in 90 minutes:  https://www.90minutebooks.com/

Best selling author, thriving entrepreneur, dynamic speaker, coach, and world class trainer Cornelia Shipley is known for empowering people to achieve their peak performance, strategically plan for the future, and ultimately create a life and work that REALLY work! A sought after professional development expert, her strategies and methods have been showcased on CBS 46 Atlanta, FOX 5 News, CBS Radio, Radio One, INC.com, the Atlanta Journal Constitution, The Washington Post, The LA Times, and The Sydney Herald among others.


She is the author of the International Best Seller Design Your Life: How to Create a Meaningful Life, Advance Your Career and Live Your Dreams and will release her second book Empowered: Strategies for Executive Level Success in 2017.


Cornelia leveraged her extensive corporate career starting as a Sales Manager for the number one consumer goods company to leading the Human Resources Function for a critical manufacturing facility for an international food manufacturer, to launch her own firm where she leads a team of committed professionals determined to empower leaders to exceed their expectations.

As Marshall Goldsmith said in the forward of her international best-seller Design Your Life “…Cornelia will guide you through the process of picturing success as you want to see it and identifying whether or not your career is aligned with your true passion, all while helping you ensure your need for these three important things: contribution, meaning and happiness.”


Episode #88 Lifestyle Wealth with Cheryl Fields

April 18, 2017

Would you like to learn how to keep more of the money you make and have tax free income to live on in retirement?  I recently spoke with  Cheryl Fields on my podcast about this very subject.  Cheryl is a speaker, Founder of Lifestyle Wealth Group and creator of the Wholistic Wealth for Women approach to financial security where she teaches people how to get out debt quickly, stay out of debt, and have tax free income they can use for a stress free life in retirement.

An entrepreneur for over 35 years, Cheryl began her life over after escaping 4 years of abuse in a fraught relationship. She then reinvented herself to become a champion for the American family and in support of the women who want to know that they can lead life on their own terms.

A former financial planner, Cheryl was new to the industry when the market crashed in 2008. She saw people losing much of what they had worked so hard all their lives to save. She had the insiders view on what was happening, and realized that many families would have to cut back their lifestyle for decades to come. That, she thought, just can't be the ONLY way.

So she found out what wealthy people do, and how they weather the ups and downs of the stock market, downturns in the economy, and how they keep more of what they make.  She learned how they put their money to work for them, have both time and money, and have tax free income to live on in retirement.

Cheryl speaks at women’s events, corporate events, and to groups and association across the country and is a regular guest on radio shows and podcasts, where she shares how the Wholistic Wealth for Women™ approach is the Next Evolution in Wealth Creation™ and provides women, and their families with a way to get out of debt, stay out of debt, and have tax free income in retirement (it works for men, too!).

She is a sub committee co-chair for the Professional Communication and Diversity committee for the AALU in Washington DC, where she advocates for American families on Capitol Hill, and helps legislators craft regulations that benefit hard working men and women, and the people that count on them.


Cheryl Shares her Message Here:

For the last 35 years Americans have been duped by the 401k and IRA (tax deferred) systems that we've been told are the way to a carefree retirement. Banks are making a fortune by keeping us in debt. The IRS gets a 600% return on YOUR money if you defer the tax for only 35 years. Financial advisers are making twice as much as you are off your accounts. Isn't it time we started taking back control of our money, and creating wealth for ourselves and our families, rather than giving it away?

The creator of the 401k said it was "oversold" and could never provide all that they said it could.  So we've been lied to for over 35 years! That infuriates me. (Wall Street Journal Jan 3rd, 2017 - Front page)


Cheryl’s Why:

“Because I was an independent woman, with a business, and it wasn't enough when the s**t hit the fan and I was out on my own in the blink of an eye. I want to share these 100 year old strategies with everyone, so that they can make their own decision about their life, and have the financial security to have, or do, or be anything they want to be, and to provide for their kids or aging parents in any way they see fit. It's our money, and we should have it to use however we want to.”

You can connect with Cheryl on her website at http://www.lifestylewealthgroup.com/, on Twitter at @CherylFieldsInc, on Facebook at https://www.facebook.com/CherylFieldsInc, and on LinkedIn at https://www.linkedin.com/in/cherylfieldsinc/.



The W.E.A.L.T.H. Report:  http://www.lifestylewealthgroup.com/report

Wholistic Wealth Facebook Group:  https://www.facebook.com/groups/wholisticwealth/

Cheryl Fields is a speaker and Founder of Lifestyle Wealth Group, Author of The W.E.A.L.T.H. Report (ebook) and creator of the Wholistic Wealth for Women approach to financial security where they teach people how to get out debt quickly, stay out of debt, and have tax free income they can use for a stress free life in retirement. Her new book "Zero Is The New Million - How to pay less in taxes and be well on your way to the millionaire lifestyle will be available soon.  


Episode #87 Winning Your Life Back with Jodi Aman

April 12, 2017

Do you or have you ever suffered from anxiety, stress or panic attacks? Or do you know someone who does? Jodi Aman is the anxiety tamer and a psychotherapist who teaches her clients how to balance self-care and the hustle of business so they don't get bogged down by stress.

As a psychotherapist Jodi sees people both individually and in groups, and decided to take her business to the online world about 10 years ago in order to impact more people.   

Jodi explains that stress and anxiety both release the same hormones, adrenaline and norepinephrine.   These hormones can be beneficial in that they create energy bursts and help us push through things.  However, when too much is present, overwhelm can set in, and the tendency is to stop and hide under the covers, which is the worst thing you can do.  

Here are some of Jodi’s tips for handling stress and anxiety:

  1. Putting your energies into something constructive that is not related to the stressful activity, will help use up the hormone overload.
  2. Learn a new skill to keep your brain active help raise your self-esteem.
  3. Take a walk, move your body.
  4. Read something you enjoy.
  5. Listen to music, a positive video or a podcast.
  6. Every day, write down three things that you accomplished in a day and celebrate!

Jodi works with clients 1:1, in groups and has a variety of online anxiety recovery programs available on her website.  

From June 25-30, 2017 in northern California, Jodi is hosting a retreat called Anxiety-Free Me where through a combination of practical teaching, activities, transformative group discussions, and a variety of meditative practices, attendees will learn how to break down problems into manageable pieces, heal through guided meditations and rituals and the steps to generating happiness every day.

Find her at https://jodiaman.com. Check out her videos at http://youtube.com/jodiaman. Get inspired on Instagram @JodiAmanLove. Or feel loved on Facebook: http://facebook.com/jodiamanlove.


Jodi’s Book:  You 1 Anxiety 0: Winning Your Life Back From Fear and Panic can be found HERE.


Blog Post:  How to get off your anti-depressants:  https://jodiaman.com/get-off-anti-depressants/

Anxiety test:  https://jodiaman.com/test

Jodi’s June Retreat Page:  https://jodiaman.com/anxiety-free-retreat/

Audible:  http://www.audible.com/

Jodi Aman is the author of the bestseller, You 1, Anxiety 0 to help people WIN their life back from fear and panic. With sharp empathy into the complexities of people’s pain–since she has recovered from her own family chaos and panic attacks–and a keen understanding of how and why people get stuck there, Jodi has decided to dedicate her life to helping people feel less lonely and afraid.


Episode #86 Healthy Balance with Rachita Reddy

April 5, 2017

Are you overweight, suffer from bloat and/or high blood pressure or have a family history of these things?  Today I have Dr. Rachita Reddy with me.  Rachita is a double board certified Nephrologist (kidney specialist), and Internist.  Her emphasis is on wellness, rather than treating sickness, and helps her clients manage hypertension and weight loss towards better health.  

In an article she recently had published, Rachita share some great tips on how to get ready for a big event where you want to look your best and shed some belly bloat.  These included eating more asparagus, drinking a gallon of water daily, and for 4 days prior to the event, going without any carbs or alcohol.  

Her website, www.Reddy4HealthyBalance.com, has loads of tips to help readers lower their blood pressure naturally, lose weight, and create a healthy lifestyle.

Rachita has a side business doing health coaching, so she could reach people before they had kidney problems, and help them prevent illnesses.  Ultimately, they will live a longer, healthier life, and avoid expensive health care costs later on in life.   She also offers 1:1 coaching and is coming up with a series of articles on the importance of water and how to use it for your benefit along with a step by step course on how to implement it to help with energy, weight loss, bloating and blood pressure management.

Rachita not only talks the talk, she walks the walk!  She recently participated in a powerlifting competition and came in third!  As the daughter of Neelam Sethi, creator of the website http://www.raisetopkids.com/ , Rachita credits her parents for encouraging her to work hard and go the extra mile to better her life and that of others.       


Rachita Shares her Personal Message Here:  

Is it possible to have a successful job, raise a close family, maintain a social life AND look better than your pre-baby body? I am a doctor (nephrologist), wife, mother of 3. Over the past 3 years, I have transformed from a never before exerciser eating a chronic take-out diet into a regular gym attendee who now prepares home cooked meals and packs lunches for work. I have lost 40% of my body fat, dropped from a size 10 to a size 2 (while having 3 children under the age of 7!), and coached dozens of my patients to lose 20+ pounds while reversing their high blood pressure. Many of my strategies can be found on my website Reddy4HealthyBalance.com.



Financial Fluency Episode 65 - Raise Top Kids with Neelam Sethi

Article in The Root of Life:  http://therootlife.com/look-good-high-school-reunion-4-days.html


You can learn more about Rachita and how she can help you on her website at www.Reddy4HealthyBalance.com.


Rachita Reddy, MD, MPH is a double Board-Certified Nephrologist (kidney specialist) and Internist with training from UC Berkeley, NYU and Lenox Hill Hospital. Her mission is to improve health (rather than treat sickness) through her passion for hypertension management and weight loss strategies. She customizes plans for patients targeting nutrition, stress, hydration, fitness and sleep to reverse high blood pressure and lose 20+ pounds.


Dr. Reddy has integrated her philosophy into her own life and is more fit and healthy now than ever before. She is the founder of www.Reddy4HealthyBalance.com where readers can get a FREE recipe to blast belly bloat instantly.


Episode #85 The Mindful Reset with Tejal Patel

March 24, 2017

Do you wish you could press the “reset” button when life happens?  Today on Financial Fluency, I am happy to have Tejal Patel from The Mindful Mama Experience to talk about how we can do this, and the amazing benefits that that brings both to our own lives and those of our children.

Until about 7 years ago, Tejal was a divorce lawyer.  Being a sensitive type, she found herself getting personally invested in her clients.  She would take home her clients problems, and her  thoughts very often went to the children involved, and the stress they must be going through.  

As a child, Tejal herself struggled with stress and anxiety.  Having learned meditation from her father at age 4, she realized that she could help children in a similar situation, by teaching them how to deal with life’s stresses, in a healthy, mindful way.   She began to teach children’s yoga and meditation  in the evenings, and eventually transitioned into her role as a Mindful Mama Coach on a full time basis.  She also teaches moms so they can support their children, and helps them create reset moments throughout their day.  

Her program empowers women and helps them stay calm and centered when unexpected things happen.  Tejal shared a technique she calls The Carrie Bradshaw Technique which essentially involves being an observer of your feelings, and what you see, so you can put the thoughts you want in your mind.

Tejal’s soulful wisdom reaches a global community of women through her signature online course, The Mindful Mama Experience. Tejal’s program is a 6 week course specifically designed to help mamas become the most peaceful moms they can be and equip them with kid-friendly mindfulness tools they can practice with their kids.

To stay connected and get a sneak peak of Tejal’s mindful mama lifestyle connect with her on Instagram, Twitter or Facebook.


Tejal Shares her Personal Message Here:  

Mindfulness and Meditation are not just new age fads, they are the new way to live for modern moms and women wanting to feel their best and do their best work.


Top Tips

  1. Infusing more "mindful resets" into your daily routine (without adding anything to your to-do-list)
  2. How to better handle stress, difficult emotions and cultivate patience through daily mindful practices
  3. Balancing work-life as mom and entrepreneur and how to live life to the fullest.


Tejal’s enrollment for the next Mindful Mama Experience course goes live on April 3rd, 2017. Those who sign up before April 6th can benefit from the early-bird special which is $100 off when you pay in full. Enrollment is only open for a limited time and this is the LOWEST the course will be offered.

Twice a year, Tejal hosts a free 5 Day Mindfulness Experience so moms can personally try out her 3 Step Daily Reset Plan before they enroll in the course.

Her next free 5 Day Reset Mindfulness Experience from March 27th-March 31st. Sign up here: www.TheMindfulMamaExperience.com/5DayReset.

You can learn more about The Mindful Mama Experience course : www.TheMindfulMamaExperience.com or learn more about Tejal and get more mindful parenting inspiration at www.TejalVPatel.com.


Tejal is a former divorce attorney turned Mindful Mama Coach, Kundalini and Kids Yoga and Meditation teacher, Motivational Speaker and the founder of the online training program, The Mindful Mama Experience.

She is a go-to resource for busy mamas seeking calmness and balance in the midst of work and life. It’s Tejal’s mission to help mamas thrive and be more present, patient and peaceful so they can raise the first generation of mindful children who know the skills to manage stress, difficult emotions, build confidence and be compassionate at a young age.

Tejal is a mom of one, avid traveler and is the person you see smiling and striking a conversation with the grocery store cashier.


Episode #84 Transforming Wealth with Nicole Lewis-Keeber

March 22, 2017

Today on Financial Fluency, I am happy to have Nicole Lewis-Keeber from Nicole Lewis-Keeber Coaching.  Nicole has an 18 year history as a therapist.  After dealing with this high stress position that did not pay well, she decided she had to go on her own, both for her sanity and in order to take control of her financial destiny.

She is now a Licensed Clinical Social Worker, Certified Tapping Into Wealth Coach and a Money Mindset Master specializing in helping women with their money and mindset, and having a loving relationship with their business.

In her position as a social worker she shared the challenges that many women face in the workplace when they are slotted into a pre-determined salary for a particular job, often expected to work overtime and beyond their pay scale out of the goodness of their own heart, especially as a caregiver or therapist.

Our discussion covered the lack of a supportive system for self-employed people, in particular women, in terms of health insurance, paid family leave, maternity leave and time off to care for loved ones.  And how the current political climate is re-animating trauma within many women across the country.  

Nicole began her business working with women on their mindset with money. She would look at the paradigm of their family history, and how they valued themselves and what they thought was possible.  She quickly discovered that the fear of being seen and asking for their worth were often the root causes of their resistance and feelings of being unsafe, and not the money.   

Her system begins with an examination of their money, followed by their emotions, the source of their emotions, how they are triggered and how to deal with those triggers.  She teaches her clients to see their business as a relationship and to treat it with intention.

You can reach Nicole via Instagram at  https://www.instagram.com/nicole.lewiskeeber/ , on Facebook at https://www.facebook.com/nicolelewiskeebercoaching/ , on Twitter at @LewisKeeber and on her website:  http://nicole.lewis-keeber.com/

Nicole Shares her Personal Message Here:  

Statistics show that 80% of women-owned businesses close within the first 18 months. This statistic drives me crazy because I know how insanely capable women are in creating a sustainable business that gives them financial freedom if they are able to overcome their blocks to money and success. It is my desire to flip this statistic and help women Master their mindset, Health their heart, Empower their future and Make some damn money!



“When you have had traumatic events, or abusive relationships or toxic relationships, if you don’t set up your business as a relationship with intention, you are going to default into toxic ways of relating to your business.  You are going to beat yourself up with it, you're going to be your own mean boss, and at the end of the day you are going to feel abused and you will be the one who did it to yourself.” - Nicole Lewis-Keeber  



Nicole offers a 1:1 coaching program, Wealth, Worth and Wisdom Coaching, as well as an online modular program called Transformational Wealth.   

Nicole is a Money Mindset Master with a background in therapy and life coaching. Using a conversational, engaging, humor-infused approach to complex challenges, Nicole’s talks and coaching programs guide business owners, coaches, and healers to reveal and release their underlying blocks and barriers to financial abundance, so that they can master their mind, heal their heart, empower their future and make some damn money!

Nicole lives in Lancaster, Pennsylvania with her husband Jason and three fat, happy cats.It is well known that Nicole loves 80’s music, a good martini, and heartfelt snark-filled conversations with friends.