UA-69776335-3 Financial Fluency: How Women Thrive Outside of the 9 to 5
Financial Fluency: How Women Thrive Outside of the 9 to 5
#104 Shirley Harvey Writes Children’s Books for Adults

#104 Shirley Harvey Writes Children’s Books for Adults

June 29, 2017

Have you ever thought about your life’s calling to do the work you were meant to do? Today on Financial Fluency, I am pleased to have Shirley Harvey with me. Shirley is a writer, illustrator, and artist from the UK now living in Montreal, Canada. For Shirley, drawing and writing were always passions of hers as a child.

On this episode, Shirley shared how disappointed and disillusioned she felt after graduating university. She stopped creating and trained to become a homeopath. For her, becoming a homeopath opened her up to a whole new world of working with energy and spirituality. When her husband was offered a job abroad, she knew it was her calling to move and start over.

In 2013, Shirley moved to Montreal with her husband and son. When she realized she was unable to practice homeopathic medicine in Canada, she started to draw and write again as a way to discover herself. It was during this time Shirley recounts her marriage was falling apart, and Shirley and her husband decided to divorce. She was a single mom living in the inner-city with no car during the harsh winter months with her son. Shirley had no job and didn’t speak French. She tells me “It was like I was standing on the edge of the cliff, and all my monsters were behind me yelling to jump off.”

That moment in her life led her to open her Etsy shop selling prints and self-publishing her books. Shirley has six books out and is currently working on a seventh. She describes her books as children’s books for adults. The books helped her to express and explore her own feelings about her divorce and isolation, but they also helped her connect with her son and his feelings at the time. Shirley plans to ramp up her marketing message and take her books to a book fair in Toronto. Ultimately, Her goal is to get her books into the right hands of the right people. Shirley says she has a gift that allows her to see life in the bigger perspective; she can bring the obscure into layman’s terms with beautiful pictures and poems.


Shirley’s Message

For so many people, we see the overnight success—not the years of struggle. Follow your dreams, be creative, and come back into alignment with your soul's true purpose.



To find out more about Shirley and her books visit her website or you can follow her on social media:



Shirley writes and illustrates children's books that help connect families. Her work is a mixture of rhyming verse and adorable animal pictures that explore emotions and life circumstances, opening up conversations about more difficult topics while providing comfort and humour parents can share with their children. Although her books are perfect for children aged 6 and up, they are a must for the whole family who want to reconnect with their inner child.  

British born and raised, she now lives in Montreal with her son and two cats, Bruce and MissFits.

#103 Multiple Streams of Income with Cassie Parks

#103 Multiple Streams of Income with Cassie Parks

June 27, 2017

What would you do if $10,000 showed up in your bank account tomorrow? That’s a question my guest, Cassie Parks asks on today’s episode of Financial Fluency. Cassie is a best-selling author, entrepreneur, and founder of Manifest $10,000. On the show, Cassie shares how she made and manifested money by building multiple income streams. She also explains the importance of rewarding yourself when you’ve been successful.

Cassie’s journey started when she was still working her corporate job and bought a house with bedrooms she could rent out. She found she could more than pay the mortgage with the rent she was collecting, and when the roommates moved out she decided to downsize her own living situation to a studio apartment so she could rent the entire house out. From there it was onwards and upwards as she added more rental properties to her portfolio. This way when she was ready to leave her corporate job to start her entrepreneurial career, she already had a source of significant income on her side. She capitalized on her entrepreneurial spirit and mindset to help her achieve her goals. Cassie found a coaching process she loved and started to work on her money mindset. With this, Cassie realized she could change things if she changed the way she thought. Cassie attributes her success to her money mindset and following her intuition in her real estate investing.

Our discussion covered the importance of creating multiple streams of income and working on your money mindset. Cassie recalls when she started to change her own mindset and habits. She stopped going to Target and the clearance racks, spending $200 on items she didn’t need. She says, when she learned to invest in what made her happy, she ended up with rental properties and a big pile of money.


Cassie’s Money Mindset Tips

  1. Use your imagination. Visualize and tap into what it would be like to have $10,000k in your account. The “how” isn’t your job. Get crystal clear on what it looks like to have more money and make the small changes to be that person.
  2. Modify the words you use. Look at the words “spend” and “invest." The word "spend" has a negative feeling to it. When you start thinkings of purchases as investments, you end up feeling more in control of your money.  
  3. Experience some of the abundance, don’t wait. Be the person who has money instead of trying to be the person with money. Practice being that person by experience some of the things you want. If you can’t afford the $100 dinner, go out for happy hour or an appetizer instead and feel the ambiance instead of waiting.


Cassie Shares Her Personal Message Here

“I do what I do because when I changed my money story, everything changed. It was creating a money mindset that supports my happiness that has enabled me to live the life I am living today, which is so amazing! I'm passionate about helping anyone who wants to change their money story and live more abundantly. People think it takes millions and millions of dollars to be financial set or happy and I enjoy showing people it can be way easier than that.”


Today, Cassie is a coach and facilitates workshops to help clients tap into who they are five years into their business. To find out more about Cassie, or to learn more about her books and programs visit her website or You can also find her on social media:



Cassie offers her entry program, Manifest $10K, and it’s only $1 to start. Clients then pay 10% of what they manifest.

Cassie also has a Change Your Money Story Cheat Sheet that’ll give you advice on how to have a different conversation about money and how to change your mindset and story.

Also check out Cassie’s best-selling book Manifest $10,000: Learn How to Manifest 10,000 by Using the Law of Attraction and Improving Your Money Mindset.



Cassie Parks is a best-selling author, and money mindset coach. Her superpower is helping people welcome more money into their lives. Cassie retired from her corporate job at 32 using her own mindset tools which lead to investing in real estate. She loves helping people turn their wildest dreams into dreams come true as well as hanging out with those she loves and dancing for no reason at all.

#102 Wealthology with Michelle Lowbridge

#102 Wealthology with Michelle Lowbridge

June 22, 2017

Do you feel like you’ve hit an income ceiling and you have to work really hard to earn more money? Today on Financial Fluency, I’m excited to have my guest Michelle Lowbridge with us. Michelle is the author of Wealthology: The Science of Smashing Money Blocks and a teacher on unlocking the human potential. She helps people identify and understand why they’re not reaching their full potential.

In this episode, Michelle talks about how she built her business and saw success within 48 hours. She started her journey when she was pregnant with her son. At the time, Michelle wasn’t making much money at her brick-and-mortar kinesiology practice, and decided it was time to close the shop so she could take a year off after her baby, Jackson was born. She knew she wanted to have an online business, but didn’t quite know what that meant. Michelle’s first attempt was with her first course “Happiness for Mums.” The course focused on mindset manifestations and opening yourself up to opportunities. She recalls nothing happened. In fact, she got two sales from her friends and that was it.

After taking some time to discover what her own underlying “upper limit problem” was, Michelle pinpointed the story she was creating in her head. This story was causing the money blocks and prevented her from unlocking her full potential. After completing her mindset exercises, Michelle remembers feeling better within the first 24 hours. With her newfound energy, Michelle posted in the Lucky Bitch Facebook group if anyone wanted to practice the exercises with her. To her surprise, there was an influx of people ready to sign up. Today, she has 31 practitioners.

By 2016 Michelle had built a successful business model. People were flying from all over the world to train with her, she had a bestselling book, and was running a high-level mentorship. After the high of doing a two-day training, she found herself inexplicably low. Despite having recently moved her family into their dream home, everything suddenly felt impossibly hard.

One of Michelle’s key skills is understanding why people don’t achieve their full potential, and knowing exactly what to do about it. It was time to put herself under the microscope. Over the next few months, she realised there were Seven Laws, which, when put into practice, allow you to maintain a healthy trajectory in the direction you want to go, and make agile decisions an everyday reality.

Now she’s bringing her knowledge to CEOs who are trying to do the right thing by their customers, employees, and investors – and consequently don’t sleep much, and probably won’t relax for the next few decades. Michelle knows first-hand how much stress impacts decision-making, which damages company profits, and puts your entire operation at risk.

Michelle notes if you change your energy system, you can change your subconscious. But sometimes, money blocks are not always about money. When you’re struggling to get through the week, here are a few of Michelle’s tips to help you pause, reflect, and realign your energy.


Michelle’s Advice on Editing Your Energy

  1. Acknowledge that it’s hard. That’s the first step.
  2. Know that it doesn’t have to be hard. Your subconscious immediately defaults to the story because that’s how your mind keeps you “safe.”
  3. Allow for the possibility that it can be easier. What’s the story around the reward for it being hard?
  4. Create the space of possibility.
  5. Start with 10 minutes of non-negotiable “you” time every day.  Lie down flat, put your phone on airplane mode, close your eyes and be silent.  Set a timer for 10 minutes.  
  6. Calm will come over you, and it will make you more productive, and the harassed energy will be released. When you lie flat, your energy layers realign to help your body process your energy better.

Michelle says you need to start by thinking about your attachment to things being difficult. What are the negative things that will happen if it wasn’t hard? If things were all of a sudden easy, what would that mean to you? She notes the thing you most want to be doing is where you’ll feel the most resistance.

To learn more about Michelle visit her website: or follow her on Facebook or Instagram: @michelle.lowbridge.



Listeners who email and ask for Wealthology and The Agile CEO will receive a PDF copy.

Understand why you’re blocking success and money. Discover your wealthology profile by taking Michelle’s quiz:



Michelle Lowbridge is a an author, teacher, and expert on the art of unlocking human potential. Never afraid to pivot, evolve, and do things differently, she grew her company revenue by 54x in 24 months. It began with a simple shift in perspective, which led to her making four times her annual profit in two weeks instead of one year. Since then, she’s helped hundreds of entrepreneurs to amplify their money-making abilities.

A highly sought-after teacher and mentor, Michelle attributes much of her success to her fascination with the human mind and her ability to make agile decisions that are easy to execute. She lives in the English countryside, loves random adventures, and prizes love, truth, and humour above everything.

#101 Level-Up Your Image with Lee Heyward

#101 Level-Up Your Image with Lee Heyward

June 20, 2017

Not seeing the business results you want? Whether we like it or not, how we look and how we dress affects how others perceive us. On today’s episode of Financial Fluency, I have Lee Heyward, an image and sales strategist and author of Strategically Suited: Your Secret Edge to Grow Sales and Get New Clients. Lee believes when you level-up your image you’ll be able to achieve the results you desire.

Lee mentions on the show that people are buying you. The way you present yourself is setting you up for that. The best thing about your image is that you control every aspect of your brand. We’ve all heard the phrases “dress for success” or “dress for the job you want” — but what do those phrases mean to you? For Lee, she works with her clients to take a step back, strategize how to put who you are into your style, and analyze what you’re trying to do.  Is it to attract a client or climb three steps up the corporate ladder? When Lee first started her career, she was a personal stylist, but now she considers herself a part of her client’s brand.

Business can come from the strangest places. Lee notes airports are often where  she runs into the most interesting people. She states “If you have to justify the way you look, then it’s not right for you. Sometimes we avoid presenting our very best selves because we think it’s a lot of effort and work to do it, but that’s not true.” Lee helps clients create an image with an edge that will instantly increase sales.

Lee’s Style Tips for Creating an Image

Lee acknowledges that life is an evolution - sometimes people lose touch with what their style is, what they like and dislike, and how to dress. She shares one of the easiest ways to tap into that:

  1. Ask yourself one question “How do you want to feel at this moment?”
  2. Think of three words you want to feel and write them down on a sticky note.
  3. Stick those sticky notes in your closet and when you get dressed, ask yourself if those descriptions match how you feel.
  4. Put a second sticky note in your wallet with those three words and use it as your roadmap whenever you go shopping.

Lee’s Mission

The way you present yourself is the most powerful marketing tool you have--and most people are underutilizing it. Opportunities are everywhere so why not give yourself an edge by creating an image that strategically helps you reach the results you desire. This isn't about dressing for success, it's about determining the best strategy for you to grow your business simply by changing your clothes.

To learn more about Lee and her image and styling services, visit her website: You can also follow her on social media:


Lee’s book officially launches to bookstores nationwide on June 13, 2017. Listeners who opt-in on her website will get a complimentary hard-copy mailed to them.

The Image Edge Calculator calculates how much additional income you can bring in if you have an image edge. Find it on her site 


Image and sales strategist Lee Heyward, helps clients create an edge to grow their sales and get more clients. Lee believes that when you up-level your image, you confidently close every sale, stand proudly on stage, and achieve the results you desire. Her real-world approach demonstrates that up-leveling your image isn’t about creating a perfect package; it’s about tapping into what makes you the best version of yourself for both you and your clients.


#100 Write With Focus with Gabriela Pereira

#100 Write With Focus with Gabriela Pereira

June 15, 2017

Have you been struggling to find time for writing in your busy life? Are you sitting on a good idea, but can’t focus to get it done? Today on Financial Fluency, I’m pleased to have Gabriela Pereira with me. Gabriela is the author of DIY MFA: Write with Focus, Read with Purpose, Build Your Community and founder of DIY MFA, the do-it-yourself alternative to a Master's degree in writing. She created DIY MFA to help writers around the world get the "knowledge without the college." Gabriela’s mission is to empower creative individuals to take an entrepreneurial approach to writing.

On the show, Gabriela mentions she’s had many prior lives, and jokingly considers herself to be part feline because of that. She worked as a psychology researcher for a while then went on to design toys before founding DIY MFA. Gabriela admits it was an accident; she didn’t found DIY MFA, it “found” her. On this episode, you’ll hear how that accident came to fruition and where she is today.

Gabriela starts off by sharing where the idea for DIY MFA began. Gabriela admits she went to school to get her MFA for all the wrong reasons. She didn’t know how to get published, but she knew she was good at writing. It wasn’t until she was sitting in her commencement ceremony expecting to feel like a writer, and she didn’t feel it, that the DIY idea came to her. She talked to a lot of people, and she realized a fair amount of them could not go on to obtain their MFA as she did. Gabriela thought about how she could share what she learned in the MFA structure and how to help people construct their DIY MFA themselves. Gabriela did what everyone did with a blog in 2010—she wrote about it, and her question was simple:  "If there was a DIY MFA would you do it?” 

Fast-forward to 2012, Gabriela is nine months pregnant and attending the Writer’s Digest Conference in New York City. At the conference, she finds herself talking to a guy who asked to hear her “pitch slam.” (It’s kind of like speed dating for writers - you pitch your book idea to an agent.) To Gabriela’s surprise, this man ended up being a Writer’s Digest agent. After hearing her pitch, he gave her his card and said to send him the book proposal. Gabriela notes before jumping the gun she contacted an old colleague, Jeff Kleinman. After talking to him, she ended up signing him as her agent. The first thing he told her was that her site and social numbers needed to improve, so Gabriela spent two and a half years building her platform. She grew her business, spoke at conferences, made connections, and got her name out there. At the end of December of 2014, she signed the book writing contract, and DIY MFA took off.

 Gabriela believes people should write their book; it’s an accomplishment that gives the author three extra tools for their writing toolbox.

  1. Publishing a book is a credibility builder for your career.
  2. Writing your book gives you visibility as an author.
  3. The journey of writing the book makes you clarify your ideas.


Gabriela’s Writing Techniques

Writing advice from Gabriela to help you power through writing a book.

  • Pick one. Zero in and make a choice on what you want to do, what you want to write about, and figure out where your heart is. Stick with it until the end. Remember, if you say “no” to something, you’re saying yes to the thing you want.
  • Revise. Take your revisions as far as you can. Start editing the important part of your book: voice, characters, plot. After you’ve reviewed those elements to make sense of your story, you can move to the scene-by-scene. Look at the dialogue and description. You don’t want to go through a manuscript line-by-line with a red pen if you’re going to end up deleting portions of the book.
  • Keep writing. Avoid the “Shiny Object” syndrome, and focus on writing the one thing your heart tells you to do. Keep pushing through. Writing in the middle of the book is the most daunting task for a lot of writers. Keep thinking about the story and how to keep your readers along for the journey.


The great benefit of Gabriela’s advice is you can use this approach for any written project in your business. 

To keep up with Gabriela and DIY MFA, visit the website here. Also, if you're a newbie to the writing industry, blogger, or established author, Gabriela has a writing podcast for you: (iTunes), (Stitcher Radio), (Google Play).

 You can also follow her on social media:



DIY MFA Starter Kit

DIY MFA: Write with Focus, Read with Purpose, Build Your Community



Gabriela Pereira is a writer, speaker, and self-proclaimed word nerd who wants to challenge the status quo of higher education. As the founder and instigator of, her mission is to empower writers to take an entrepreneurial approach to their professional growth. Gabriela earned her MFA in creative writing from The New School and teaches at national conferences, regional workshops, and online.

She is also the host of DIY MFA Radio, a popular podcast where she interviews bestselling authors. Her book DIY MFA: WRITE WITH FOCUS, READ WITH PURPOSE, BUILD YOUR COMMUNITY is out now from Writer’s Digest Books.

#99 The Process Pixie with Carrie Hawson

#99 The Process Pixie with Carrie Hawson

June 13, 2017

Ever wonder how you can keep your business running with minimal effort? Today on Financial Fluency, I’m excited to have Carrie Hawson with me. Carrie is The Process Pixie, and she helps female entrepreneurs and business owners construct processes to run their businesses efficiently.

In her prior life, Carrie was a CPA and worked for a corporate company preparing and reviewing US tax returns for expatriates. Her company transferred her to Belgium—where she currently calls home with her husband. For Carrie, moving back to the U.S. wasn’t an option when her former company extended the then-contract and asked her to travel back to America. She decided to stay in Belgium. Before founding The Process Pixie in September of 2016, Carrie opened her own yoga class offering prenatal and postnatal yoga lessons in a private setting. Her yoga business allowed her to enter the online world where she tried to market her brand in a niche market. During this time, Carrie met other women who needed to grow their business, too, but needed a way off the hamster wheel in order to scale up.  

On the show, Carrie recounts her first time working with processes. In college, she had a job at a real estate company, and part of her job was to train the person who was going to fill her role when she went back to school. First, Carrie made a checklist of what needed to get done, so it was easy to train her successor. This comprehensive list is now what she calls "workflows" in her business.

Our conversation includes Carrie’s best advice on how to regain time and power back from the mundane tasks. She suggests the following:

  • Streamline as much as you can before handing it off;
  • You don’t have to hire someone online; you can get a free resource. Hire an intern from your local college or university to help you get things done;
  • Outsource any repetitive tasks that you’re doing or tasks you don’t like doing, and the stuff you don’t have time to do;
  • Hire for the things you don’t know how to do.


Carrie currently offers three packages to help her clients automate, systemize, and get their time back. If you’re feeling overwhelmed, Carrie has the skills and knowledge to help get you out of the weeds. Her goal is to help clients focus on the high-level tasks they most enjoy doing in their business.


Carrie Shares Her Personal Message

“Simple systems! When it comes to finance you want to keep it simple. Work with an expert or experts. But make sure that you are educated enough to ask them informed questions. And if they can't explain things to you in extremely simple terms, then they have no idea what they are talking about.”


“You should only be doing the things that you cannot be replaced for.” So you can either:

  1. Automate so things are happening without needing your input.


  1. Outsource and delegate to someone else.


To find out more about Carrie and how she can help you keep your business running with minimal effort, visit her website:


Facebook Group:

Periscope: @carrierhawson

Instagram: @carrierhawson



Carrie’s star chart  -  Use it to track your progress towards goals or savings.



Carrie Hawson is The Process Pixie. She helps female entrepreneurs and small business owners, who are running service-based businesses online. She adores helping them find the fun in creating systems. This allows them to experience more freedom in their lives. 

Carrie is a mompreneur and sometimes she can get overwhelmed with kids, work, and life. But ever since she was a child, she has been good at creating plans to achieve her goals and then executing those plans. Carrie has 15+ years of experience creating systems for a wide range of businesses. And she has a lot of fun doing it!

Episode #98 - Energize Your Space for Success with Patricia Lohan

Episode #98 - Energize Your Space for Success with Patricia Lohan

June 8, 2017

Do you know if your house is supporting you? Just like every organ has a function in the human body, the same applies to your house. Every part of your house has an energy and a purpose. Today on Financial Fluency, we have Patricia Lohan, Feng Shui expert, and serial entrepreneur. In this chat, Patricia talks to us about feng shui and how you can energize your space for success in your business, your productivity, and your mental health. 

Patricia comes from a family of entrepreneurs, and notes she moved around a lot growing up. (She recalls moving 20 times throughout childhood!) It was during this period she got into feng shui. Her parents would get a bigger house, and they’d completely redecorate it—Patricia would then look up books on interior design and feng shui. She had an epiphany when she saw the different houses—she noticed all houses have different energies: some are good for the money, some are bad for people, some are good for people, and vice versa. Every house has a different challenge, and every house has its specific energy.

Patricia studied business in college, and she ran the family business for seven years. During this time, she realized she was fulfilling someone else’s dream, not her own. At age 24, she was managing 30-person staff. She was burnt out. This was a turning point in her career, and she decided to travel to India and train in yoga. After returning to Ireland, she met her husband. Patricia believes her journey to her fulfilment (regarding her career) linked her to finding true love with her husband, Ken.

Patricia has seen the power of the mind concerning one’s surroundings, inner healing, and the miraculous transitions that can occur when all three align to perform together in harmony. She states: “We don’t realize how our houses have an impact on our lives and business.”


Three Levels of Feng Shui from Patricia

  1. First level is feng shui, declutter, and clear out. You can add some things in like lucky bamboo, a jade plant, or ferns—something that’s soft enough, nothing spiky.
  2. Second level is finding out what every area of your home represents, and then add practical things to those areas that’ll provide prosperity. You’ll become more aware of your house.
  3. Third level is understand the relationship between you, your areas, and the house. There are nine areas of your house, when you harmonize the elements, you’ll become mindful of the areas.


Pearls of Wisdom from Patricia

Feng shui is acupuncture for your home; it’s getting the chi flowing. If you treated your home like your best friend, you would treat it with respect. You wouldn’t give your best friend junk food or a broken gift, the same applies to your home. It’s about creating a positive relationship with your home—and when you do—it will support you.


To find out more about Patricia Lohan and the art of feng shui, visit her website:

Or connect with her on social media:


Facebook Group Dream Life & Biz Creators:




Google+: +PatriciaParashaktiLohan



Free 3-part feng shui training video series opening on May 24 for two weeks:



Patricia Lohan helps female entrepreneurs accelerate success through creating powerful environments. She shows you what they don’t teach in business school, what lies between the lines, your top secret tool for success. She is a Feng Shui expert, a healer, and passionate female entrepreneur who has shaped her dream life living in Bali with her husband.

She is has seen first hand the power of the mind, surroundings and inner healing, clearing and aligning everything so it works holistically. An incredibly spiritual person but also highly practical too. She loves entrepreneurship and has 15 years of experience running and growing three successful start ups of her own.

Episode #97 - Own Your Money with Belinda Rosenblum

Episode #97 - Own Your Money with Belinda Rosenblum

June 6, 2017

Does your money own you? Do you find yourself sticking your head in the sand instead of facing money problems head-on? Today on Financial Fluency, we have Belinda Rosenblum. She’s a CPA, author, and creator of Money Maker’s Academy. Today she’ll talk about how to develop the skills you need to manage money, and rewrite your money story.

Belinda had a thriving 15-year career in corporate finance. During that time, she recalled feeling like she was checking her personality at the door. She was bored. Belinda was working without the problem-solving, and she missed the emotional connection with other people. In May of 2007, she decided to start her business, one year after leaving her corporate job. (And one year before the infamous 2008 stock market crash.)

At first, Belinda planned on transitioning into a financial advisor role. She wanted to be the financial therapist who could help nurse clients back to a stronger relationship with money, and help them understand the tactical side of what they need to do. After talking to several women, she turned down the advisor job, started her own business, and launched her first program in December 2007. She had 12 people in her first workshop; those people in the group set the foundation for the rest of the year. In 2008, everything crashed. Despite that, Belinda claims it was the recession that helped her grow her business. Everyone was spending more than they were making. There were no “financial coaches” in the game ten years ago, so she was able to lead the way as a financial specialist to help clients work through their money stress. 

Belinda’s mission is to transform the way people think, feel, and act with money to give them back their power over their money mindset and money management. She notes money management is a learned skill. There’s nothing wrong with you because you haven’t learned how to manage your money. What matters is knowing what actions to take based on what your numbers are telling you. 


Belinda’s Money Advice

 “People feel stuck in their circumstance. We feel broken when we’re not good with money. It’s as if other people know what they’re doing when really, they don’t. People spend a lot of time hiding what they don’t know about money. It’s a skills problem. There’s a gap between where we are, what we know now, and where we want to be.”


For more information about Belinda and her online workshops, visit her directly on her website: or follow her on social media.

Facebook -

Twitter - @ownyourmoney

New online free workshop:



Personal Workshop

Business Owner’s Workshop

Money Makers Academy Program

Also check out  90 Day Year



Belinda Rosenblum is a CPA and Wealth Expert who helps you take the worry and fear out of money. She believes life is supposed to be fun, and money is supposed to fund it for you!

Belinda is the creator of the Money Makers Academy, a monthly step-by-step program teaching you the essential money skills and mindset that you may assume everyone else knows but actually very few people were ever properly taught.

Belinda is the coauthor of the book, SELF-WORTH TO NET WORTH: 12 Keys to Creating Wealth Inside and Out, offering a step-by-step approach to help you build your financial self-esteem and manage your own financial life. If she’s not talking about financial freedom, Belinda is likely enjoying the sunshine and chasing after her marathon-running husband and 2 spirited toddlers.

Episode #96 - Naked Communication with Sage Hobbs

Episode #96 - Naked Communication with Sage Hobbs

June 1, 2017

How would your life be different if you spoke authentically? Today we welcome Sage Hobbs, our guest on today’s episode of Financial Fluency. Sage is a coach, speaker, and author of Naked Communication: Courageously Create the Relationships You Really Want. And today, we’ll explore her book and how she turned her love of people and relationships into a fulfilling, rewarding career.

Sage says she always wanted to write a book. And once she made the commitment, she went for it. She started thinking about what fascinated her—and it was people. Sage began looking at where her passion and curiosity (human capacity and human potential) line up with her professionally—and again she saw that all of her career choices have been about people. Her strength is to connect people better with each other and themselves. And the rest is history!

Before writing her book, Sage visited Kenya and shortly after that landed her dream job as an inner-city school counselor. At 23, she was working at her dream job, and that’s where life took a sudden turn. At work one day, Sage felt a pea-sized lump on her collarbone. Doctors determined after her lymph node biopsy; she had cancer at 23. Battling cancer at a young age showed her how the community, friends, and family were there for her. It was in these years that Sage understood that life is fleeting and that she needed to make life the way she wanted it to be, that she got to decide.  

There are two things she recounts her mother saying to her during her bout with cancer:

  • Let love in.
  • It’s a generous act to allow people to contribute to you.

Sage admits that asking for help is really hard.  It was hard for her to ask for help and hard to allow others to help her. As humans, we make everything mean something. We make up a fictitious story in our heads. We make asking for help mean that we can’t handle it, we’re not worth it, we’re not strong enough, etc. Sage reiterates you can’t have full responsibility for your life until you can separate the two (fact and fiction).

Her book helps readers pull back all the layers of conditioning, automatic ways of being, patterns of behavior, and gives insight into how to show up in a more ‘naked’ way and have authentic conversations in four ways. To her, these qualities are the 4 C’s to communication:

  • Clean
  • Clear
  • Compassionate
  • Courageous  

Human interaction, as Sage says, is a desire all people crave. People are longing to be themselves, have others see them for that, and find depth and intimacy from a place of authenticity. To do this, you must pay attention and nurture the relationships you want to last. No matter how good you think you are at commutation, you can always improve.


Real Talk from Sage

“The first step is awareness. If you want to be naked, you have to be real with yourself.”


Sage’s Advice for Effective Communication

  1. Look at yourself. If you don’t understand how you communicate already, it’s hard to change, shift, or evolve. You have to know if you’re more passive, assertive, direct, passive-aggressive, etc. You can evaluate this when you bite your tongue when you want to say something, but you don’t, or by looking at the way someone responds to you.
  2. Know when to speak up, when not to speak up, and have a choice about it. It’s not always the time. If something is still raw, or someone’s angry, or the issues are still tender—that might mean it’s not the time to have a conversation. Be reflective and have a choice.
  3. Everyone has conflicts. Always take responsibility for your part, but the doesn’t mean you let the other person off the hook. You should only apologize when you've done wrong.


For more information about Sage, her one-on-one guidance, and group coaching visit her directly on her website, or follow her on social media.



Instagram: @sagebhobbs




Naked Communication: Courageously Create the Relationships You Really Want:

Get Sage’s FREE The ASK Formula cheat sheet here:

Discovery Call with Sage:

The Art of Asking: How I Learned to Stop Worrying and Let People Help.



Sage B. Hobbs is a women’s empowerment coach, motivational speaker, and author of Naked Communication. She’s known for her bold and insightful approach to communication, relationships, and personal growth.

Sage works with women in both individual and group settings to create experiences of courage, self-expression, and freedom. When women feel stuck, dissatisfied, and stagnant, Sage supports them in unleashing their voice, taking action, and transforming their status quo.

Prior to creating her current work on Naked Communication, Sage received her Master’s Degree in Counseling Psychology and spent a decade working with teens and families to navigate the wild path of growing up.

She’s also a mom of two, a cancer survivor, a proud teacher’s wife, a “retired” school counselor, a world traveler, a living room dance party aficionado, and a book lover.

A Philly girl at heart, she now lives in beautiful Boulder, CO with her favorite man on earth and their two awesome kids.



Episode #95 - Even Skeptics Can Manifest with Denise Duffield-Thomas

Episode #95 - Even Skeptics Can Manifest with Denise Duffield-Thomas

May 31, 2017

Do you have the life you desire? Are you asking yourself “What do I want?” but not giving yourself permission to have it? Today on Financial Fluency, we have Denise Duffield-Thomas, the money mindset mentor for online female entrepreneurs. Denise, also known as the “Lucky B,” is the founder of and author of two best-selling books Lucky Bitch and Get Rich, and Lucky Bitch. In both books, Denise gives readers and boot camp goers an insight into how and why fear and mindset plays into finances, and how to turn that around so even skeptics can manifest the life they really want.

Denise admits she was never taught how to feel good about money and manage it well. She grew up with a single mom and money was always tight. She believed she had to be deserving her entire life to be successful because of teachings through the church. But, Denise quickly realized as an adult that’s not the case. When you’re in a positive state of mind, and you take positive action, there tends to be a positive reaction, with the reverse being true as well.

For example, when Denise was around the college age, she had no money in her account, and class was due to start in three days.  She maintained a positive mindset, telling herself that things would work out, and sure enough due to a bank error to her benefit, she was able to pay for her classes.  She also manifested a trip around the world with her husband for six months with all expenses paid and blogged about it.  Denise shares how about every couple of years she goes through a transition, and she questions what she’s doing, who’s she’s serving, and if she’s on the right path.

Even though Denise’s success didn’t happen overnight, she didn't let time stop her from reaching her potential. Sometimes paths can lead you astray, but what matters is growing from experiences, and find the hidden gifts.  

Denise shared about her past investment of $5,000 in her book “Get Hitched Lucky Bitch.” During that time, she quickly realized she didn’t have to do everything for everyone and be something she’s not, and that she should focus on finances and help exceptional women who want to create outrageous success. She achieved that with two simple steps, examining old patterns and practicing forgiveness (adopting the Hawaiian forgiveness ritual: Ho’oponopono). Self-worth and net worth are intertwined and getting stuck in the cycle of self-sabotage will prevent you from the next level of success. Denise is a firm believer that forgiveness is the gift you give yourself to let go and grow.

Denise’s Tips on Manifesting Your Life:

  • Inaction leads to more inaction. You have to try the “brain-training exercises” to help you understand yourself and deep-rooted patterns.
  • Forgive and examine those things (or people) that sabotaged you.
  • Money is a tool for us to live the life we want to live. Being “rich” isn’t always monetary.  It could also be richness in your outlook and thinking.
  • Build the muscle of asking what YOU want, not what other people want. Keep asking “What do I want?” and give yourself permission to have it.
  • Be honest with yourself. The energy you free up will allow you to consciously manifest amazing things in your life.

Wise Words from Denise

“People try to take the ‘action’ part of the book first without working on the mental, emotional growth. Your fear is real. The resistance feels real. Procrastination feels real. If you just sit back, you’re internalizing all of that; and you’re not giving yourself permission to figure out the cause of your negative money mindset. That’s why you need to do personal growth first. People think the universe will bring anything and everything to them after personal growth, but you have to meet the universe halfway and take action.”

You can connect with Denise directly on her website, or follow her on social media.




Instagram: @denisedt


Get access to Denise Duffield-Thomas’ Money Bootcamp at HERE.  

Join the 5-Day Manifesting Challenge HERE.  

Denise’s Books:

Get Rich, Lucky Bitch!: Release Your Money Blocks and Live a First Class Life.

Lucky Bitch: A Guide for Exceptional Women to Create Outrageous Success.

Kendall Summerhawk Money Archetypes Course:

Take a free quiz to find out your money archetype personality HERE.



Denise Duffield-Thomas is the money mindset mentor for the new wave of online female entrepreneurs. Her best-selling books “Lucky Bitch” and “Get Rich, Lucky Bitch” give a fresh and funny roadmap to create an outrageously successful life and business.

Denise helps women release their fear of money, set premium prices for their services, and take back control over their finances.

Denise is an award winning speaker, author and entrepreneur who helps women transform their Economy-Class money mindset into a First-Class life. Find her at

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