Freedom Delivery Crew head honchos gather every once a week to discuss subjects that may or may not make you hate the world. RequiemsAlligience(Quinn),BT14 (Dan),SirZoidly(Mike) and TheRandomOne(Nick) are the usual hosts of the round table and sometimes will invite guests that derail the entire conversation.
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Wealthy After 40: Personal Finance, Financial Freedom, Debt Payoff, and Retirement Savings for Gen Xers
Dalene Higgins
Are you ready to transform retirement uncertainty into a clear, actionable plan? If you’re looking to retire in the next 5-10 years, you’ve come to the right spot. Only 54% of Gen Xers feel prepared for retirement, and a staggering 22% believe they’ll enjoy a comfortable lifestyle. If retirement planning and your finances feel overwhelming, you’re not alone! I’m Dalene Higgins, founder of Elevate Finances and your personal financial coach. It’s time to stop avoiding your finances and start h ...
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Whole Health Empowerment Project- healthy eating, weight loss after 40, weight loss motivation, food freedom, nutrition, womens health, healthy life hacks, women’s health and wellness
Tricia Stefankiewicz/Registered Dietitian, Nutritionist, Health Coach
This show is for women over 40 who are trying to create balance in their life when it comes to food, body, self-care., and wellness. You struggle to put yourself first, to maintain consistency when something isn’t perfect or you feel like you don’t have enough time or will power to achieve the goals you desire. Tricia Stefankiewicz, Registered Dietitian/Nutritionist. I’ve worked with women like you achieve their health goals by focusing on the next best step –no matter how messy - and meetin ...
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Ep 80 A Journey of Financial Discipline and Growth With Alexandra Dotcheva
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During this guest episode, I am lucky to interview Alexandra Dotcheva, who shares her transformative journey from an immigrant violinist to a financially independent real estate investor. She discusses the challenges she faced during the 2008 financial crisis, the pivotal shift to a nursing career for stability, and achieving financial success thro…
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The Illusion of Progress: Why Thinking, Hoping, and Talking Aren’t Enough
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Recently I was scrolling through social media, and I heard this clip about wanting something isn’t the same as doing it, thinking about isn’t the same as doing it, hoping for it doesn’t mean doing it. It's a common trap: we spend a lot of time thinking about our health goals, discussing them with friends, or even planning how we'll get there. But a…
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Ep 79 Shift from Emotional to Intentional Spending for a Worry-Free Retirement
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In this episode, I discuss the emotions tied to spending and their impact on not only achieving financial goals, but making impactful decisions. I share a client story demonstrating the importance of identifying personal values to forge a positive relationship with money. You will learn practical tips like aligning purchases with their values and m…
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How Do I Deal with Emotional Eating or Cravings?
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Let’s be real—most of us have turned to a snack (or two… or three) when we’re feeling stressed, tired, or just overwhelmed. For women in perimenopause and menopause, emotional eating can be an even bigger challenge. Hormonal changes, fluctuating moods, and stress can all trigger cravings that seem impossible to ignore. The good news? You can learn …
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Ep 78 | 3 Ways to Make Sure You're On Track to Retirement
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To have a happy and successful retirement takes more than just enough money. In this episode, I discuss three common retirement gaps that could lead to disappointment and boredom in retirement. Beyond the financial side, it’s essential to plan for your dreams, desires, goals, and hobbies. These gaps can greatly impact the quality of your retirement…
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282:// Can Healthy Eating Improve My Energy and Reduce Perimenopause and Menopause Symptoms?
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For women going through perimenopause and menopause, hormonal changes can bring about a variety of symptoms—ranging from fatigue and mood swings to hot flashes and weight gain. These can take a toll on your quality of life and overall energy levels. However, what you eat during this stage can have a significant impact on how your body manages these…
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Ep 77 Can You Afford Retirement? Debunking the Myths Holding You Back
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Will I run out of money in retirement? It’s a question many people ask in one form or another. In today’s episode, I explore why this question lingers in your mind and how you can shift your thinking to trust that you’ll be financially secure. We’ll dive into how your past financial behaviors may be fueling this fear, and more importantly, the step…
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281:// Why Is It Harder to Lose Weight Now Than It Was in My 20s or 30s?
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As women reach their 40s, many notice that shedding the weight is no longer as simple as it used to be in their 20s or 30s. The same diet plans or workout routines that once worked no longer work, leaving many frustrated and confused. The truth is, as we age, our bodies undergo significant changes that can affect weight loss. Let’s explore the 5 ma…
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Ep 76 Why You Need To Stop Procrastinating and Invest in Yourself
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In this episode, I explore the common reasons why people hesitate to invest in themselves and share the story of a client who waited five years before taking action, highlighting the significant impact of that delay. I also dive into the concept of opportunity cost, the advantages of compound interest, and strategies for managing debt. Additionally…
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280:// From All-or-Nothing to Incremental Change: Why Every Small Step Counts
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We’ve all experienced that intense desire for change – the moment when we commit to a new diet, workout routine, or health goal with the best of intentions. But far too often, it comes with an all-or-nothing mentality: "If I can’t stick to this perfectly, why bother at all?" This mindset can be paralyzing, leading to burnout, frustration, or, worse…
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Ep 75 The Membership Experience of Make Retirement Possible
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In this episode, I share what you can expect inside of the Make Retirement Possible membership. The membership offers recorded trainings, worksheets, and a monthly live Q&A session to help members effectively plan their retirement. The experience is self-led and I share how to level up that self-led experience with support from myself, as well as h…
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279: // From Wishing to Doing: How to Commit to Your Health and Wellness Goals
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Episode Description: When it comes to making lasting changes in your health and wellness, one of the biggest obstacles is often ourselves. We say things like "I'll try to eat better," or "Maybe I'll work out tomorrow." This kind of passive language might feel safe, but it’s also what keeps us stuck in the planning phase rather than actually taking …
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Ep 74 Healing Trauma and Transforming Finances With Angela Turpin
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If you’re ready to break free from the emotional and financial patterns that have held you back, this conversation is for you. Angela Turpin shares powerful insights into healing money-related trauma and offers practical steps you can take today to create a healthier relationship with your finances. You’ll discover how decluttering can clear both y…
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278:// From Comparison to Self-Compassion: Honoring Your Unique Health Journey
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It’s easy to fall into the comparison trap when it comes to health, wellness, and self-care. You might find yourself thinking, “Everyone else is doing better than me” as you scroll through social media, see others at the gym, or hear about someone’s latest health achievement. This mindset can lead to frustration, self-doubt, and a feeling of inadeq…
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Ep 73 How Tracking Can Transform Your Path to a Worry-Free Retirement
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In today’s episode, I dive into the importance of tracking expenses and how it is a crucial step toward retirement. Tracking helps build awareness and is essential to truly understanding your spending. It’s time to embrace tracking to better understand and improve your spending habits, but don’t make it a chore either. There are several suggestions…
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277:// From Quick Fixes to Lasting Wellness: Why Health Requires Patience
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Past Episode to listen to: https://wholehealthempowermentproject.podbean.com/e/mindset-choices-consequences-and-clarity/ Instagram: www. instagram.com/wholehealthempower FB Group: https://www.facebook.com/groups/619968441854520/ 3 Way to eat better workbook: https://triciard.com/workbook/ 5 things you should be doing today if you are over 40! https…
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Ep 72 Wondering How to Secure Your Retirement? Here’s Your Guide to Financial Stability
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Today I am exploring the idea of financial stability and specifically answering the question: What is financial stability and why is it so crucial to retirement? Are you worried about running out of money in retirement? Not having enough savings? Are you worried about health care costs? Are you worried about being able to just support yourself and …
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276:// From Perfect to Possible: Transforming Your Health Journey with Progress Over Perfection
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Episode Description: Many of us have the best intentions when it comes to improving our health. We set goals, create plans, and commit to making changes. However, a common roadblock that can prevent us from achieving long-term health success is a mindset of perfectionism. While striving for perfection might seem like a good idea, it can often hinde…
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Ep 71 Why You Feel Unprepared For Retirement
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In this episode, I discuss common reasons why many feel unprepared for retirement. The real culprit isn’t what you think it is. Learn the psychological and practical aspects of retirement as well as the steps needed to close the gap between your current financial situation and your retirement goals. 00:00 Why You Feel Unprepared For Retirement 01:3…
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275:// Turning Intention into Action: How to Stop Wishing and Start Doing for Your Health
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Episode Description: We’ve all been there: setting intentions to improve our health—promising to eat better, exercise more, get enough sleep—but somehow, these intentions often fall by the wayside. Why is it that despite our best intentions, we struggle to take consistent action? And when we do manage to act, what makes the difference? Understandin…
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Ep 70 Am I Ready to Retire? Overcoming Doubt and Building a Retirement Dream
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In this episode, I dive into the idea of retirement, addressing limiting beliefs and why others perceptions are holding you back. Personal beliefs and dreams about retirement are essential to making it happen. Key points include paying off debt, exploring part-time work, budgeting, and savings. Ultimately, the aim is to help listeners plan a fulfil…
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274:// Putting in the Work, Not Seeing the Results? Strategies for Health and Wellness Success
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Episode Description: Today, we will explore the challenges of waiting for progress to happen, what to do when you find yourself at a crossroad, and how to maintain your mindset and strength to continue on your journey. Instagram: www. instagram.com/wholehealthempower FB Group: https://www.facebook.com/groups/619968441854520/ 3 Way to eat better wor…
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Ep 69 Overcoming Job Loss and Managing ADHD Finances with Sherry Andrew
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In this episode, I interview Sherry, an ADHD money coach. Sherry shares her journey from losing her high-stress job of 17 years to becoming a specialized coach for ADHD entrepreneurs. She discusses her 'two by four moment,' the importance of budgeting, the challenges of managing finances with ADHD, and strategies to mitigate impulse spending. The c…
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273:// Embracing Change: Promoting Health While Accepting Your Evolving Body
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Episode Description: Reaching the age of 40 and beyond brings with it a unique set of experiences and changes. Your body, once so familiar, now feels like a new terrain to navigate. You may notice shifts in weight, new lines and wrinkles, or changes in strength and flexibility. These changes can sometimes feel unsettling or even disheartening. Howe…
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Ep 68 How My Client Learned to Spend More On Herself
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In this episode I interview my client Angela, who shares her transformative experience in my signature coaching program. Angela discusses her initial struggles with budgeting, the steps she took to overcome her financial challenges, and the positive impact of coaching had on her financial habits and lifestyle. 01:26 Interview Begins 01:38 Angela's …
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272:// Running on Empty: The Health Risks and How to Refill Your Tank
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The cycle of running on empty is all too familiar for many of us. We push ourselves to meet deadlines, juggle responsibilities, and meet the demands of our personal and professional lives, often at the expense of our own well-being. Breaking this cycle is essential for maintaining both physical and mental health. Here are some practical steps to he…
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Ep 67 Why Avoiding Budgets Can Lead to Missing Out
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In this episode, I talk about the common misconception that budgeting is too restrictive. As I dive into this topic as so many times I have and others have, I share with you the true result my client was getting from not budgeting. Featuring insights from client experiences, I emphasize the significance of aligning your budget with personal values …
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271:// The Rollercoaster of Dieting: Managing and Overcoming Inconsistencies
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Episode description: Embarking on a healthy journey often starts with excitement and determination, but as challenges arise, maintaining motivation becomes difficult. Initially fueled by hope and resolve, many find themselves disheartened when the desired results, such as weight loss or improved health markers, don't materialize as quickly as expec…
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Ep 66 Why Budgeting Isn’t Enough And What You're Leaving Out
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In this episode, I discuss the common frustrations of budgeting and why so many individuals who are budgeting are not seeing success. While budgets are essential for outlining expenses and needs, they are not the action-oriented piece that drives financial progress. Listen to the episode to understand a budget’s purpose and what action pieces need …
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270:// Unseen Scars: The Health Consequences of Past Trauma"
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How Trauma Affects Our Health - CTHC at UCSF Univ of Cal at SF - Center to advance trauma informed carePast trauma may haunt your future health - Harvard Health Long Term Effects of Child Abuse and Neglect (preventchildabuse.org) The Relation Between Adverse Childhood Experiences and Adult Health: Turning Gold into Lead - PMC (nih.gov) ACEs-Questio…
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Ep 65 Navigating Financial Education for Children with Elizabeth Rosenberg
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In this episode of the Wealthy After 40 podcast, I welcome Financial Coach, Elizabeth Rosenberg. Elizabeth is a former corporate finance professional and today she discusses her mission to empower parents to raise financially savvy children through her initiative 'Grow My Piggy'. She shares her experiences and offers practical advice on instilling …
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269:// Conquer Nighttime Snacking: Tips for a Healthier You
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Many of us find ourselves reaching for snacks late at night, not out of hunger, but out of habit. This common behavior can derail our health goals, contribute to unwanted weight gain, and disrupt our sleep patterns. If you're looking to break the cycle of nighttime eating, here are some practical strategies to help you reclaim control and improve y…
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Ep 64 Should You Automate Your Finances? Pros and Cons Explained
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In this episode, I explore the pros and cons of automating your finances. I cover key areas like savings, investments, and debt repayment. I also share how to set yourself up for success by having a solid plan before automating. 00:00 Introduction: Is Automation the Answer for Better Finances? 00:27 Personal Story: My Cash Envelope System 01:52 Cre…
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268:// Seeing Possibilities: Overcoming Comparison to Embrace Your Potential
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Have you ever looked at someone else's success and thought, "I wish I could do that"? Whether it's achieving a fitness goal, launching a successful business, or mastering a new skill, it's easy to feel like other people possess some secret ingredient that you lack. However, the truth is that if they can do it, so can you. Remember that every succes…
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Ep 63 Why You Feel Broke and How to Manage Your Cash Flow Effectively
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If you constantly feel short on cash, tune in to this episode to uncover whether it's more a matter of perception than reality. I'll guide you through identifying if your financial stress is driven by feelings or facts and provide actionable steps to address either situation. 00:00 Introduction: Do You Truly Lack Money? 00:27 Client Stories: Percep…
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267:// Why Focusing on the Process Reduces Outcome Disappointment
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Disappointment is a common emotion when our efforts don't lead to the desired outcomes, but there are ways to mitigate this feeling and stay motivated. By focusing on the journey rather than the destination, adopting a growth mindset, and setting realistic expectations, you can navigate your path with resilience and positivity. Here’s how you can a…
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Ep 62 Mastering the Financial Aspects of Divorce with Lisa Zeiderman
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In this episode of the Wealthy After 40 podcast, I interview Lisa Ziderman, a matrimonial attorney and certified divorce financial analyst based in New York. Lisa discusses the critical steps to prepare for a financially successful divorce, emphasizing the importance of gathering financial documentation, choosing the right attorney, and assembling …
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266:// The Journey is the Reward: Achieving Big Lifestyle Changes
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When it comes to making significant lifestyle changes, it's natural to focus on the outcome. Whether it's losing weight, getting fit, or achieving a healthier lifestyle, we often fixate on the end goal. However, this mindset can sometimes hinder progress and create unnecessary stress. Instead, shifting your focus to the journey itself can lead to m…
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Ep 61 Strategies For Making Major Purchases
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In this episode, I share a personal financial journey on navigating the process of making a large purchase—in this case, buying a new home. Using that story as an example, I provide key advice including defining your purchase criteria, understanding your financial situation, avoiding desperation, and being aware of market conditions. 00:00 Introduc…
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265://The Secret to Better Health: Embracing What You Avoid
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We've all been there—knowing exactly what we need to do to improve our health but finding endless reasons to avoid it. Whether it's skipping workouts, neglecting healthy eating, or putting off stress management practices, the magic you seek in transforming your health often lies in the work you are avoiding. Let's explore why this happens and how t…
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Ep 60 5 Steps to Becoming Your Own Financial Advisor
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In this episode, I share advice and tips to becoming your own financial advisor. Key points include understanding your finances, setting clear financial goals, and managing debt. While financial advisors play a valuable role, individuals will understand their money best. Specific steps are shared, such as educating oneself on specific financial top…
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264:// Beyond the Scale: The Health Implications of Different Types of Body Fat
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In this episode we review the crucial differences between subcutaneous and visceral fat, their roles in the body, and their respective health implications. We also talk about practical strategies for managing both types of fat through a healthy diet, regular exercise, lifestyle modifications, and professional guidance. Understanding and managing th…
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Ep 59 4 Simple Steps to Master Consistent Savings
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In today's episode, we wrap up our series on savings with actionable steps for consistent savings growth and creating a personalized savings plan. Key highlights include understanding and ensuring enough funds to cover bills and spending, measuring savings progress beyond just account balances, and saving with clear intentions. Discover how to buil…
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263:// Low-Hanging Fruit for Healthy Habits: Small Changes, Big Results
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Are you looking to make lasting changes in your life but don't know where to start? This blog post explores the concept of picking the low-hanging fruit—small, manageable adjustments that can lead to significant improvements over time. Learn why starting with simple, achievable goals can build confidence, reduce overwhelm, and create a strong found…
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Ep 58 Should You Pay for Your Kid's College? College Planning and Financial Strategies with Steve Mullen
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In this episode, we welcome public relations professional and podcaster Steve Mullen. Steve shares insights from his podcast 'Caregiving Gen X Style,' which he co-hosts with his wife, and also discusses his family's approach to financing their children's college education. The episode emphasizes the importance of budgeting, financial planning, and …
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262:// Sifting Through Lies: The Real Facts on these two Nutrition Claims
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1. Adding a pinch of salt to your water daily 2. Diet sodas? Yay or nay? Instagram: www. instagram.com/wholehealthempower FB Group: https://www.facebook.com/groups/619968441854520/ 3 Way to eat better workbook: https://triciard.com/workbook/ 5 things you should be doing today if you are over 40! https://upbeat-hustler-2294.ck.page/06d0e2ccf9 Whole …
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Ep 57 Mastering Retirement Savings Strategies for Solopreneurs with Financial Expert Sean Mullaney
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This episode of the Wealthy after 40 podcast features financial planner Sean Mullaney, President of Mullaney Financial and Tax, discussing the benefits of a Solo 401k for solopreneurs looking to save for retirement. Sean, also known for his FITaxGuy blog, shares his expertise on how self-employed individuals can effectively plan their retirement sa…
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261:// Speak to Thrive: Turning Detrimental Statements into Positive Empowerment
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Episode description: In this episode we review some of the phrases that you may say to yourself and think about how to reframe them. Our words have the power to uplift and empower YOU or to diminish YOUR confidence and potential. By recognizing and transforming detrimental statements into empowering messages, we can start to focus on growth, resili…
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Ep 56 How To Bridge the Retirement Savings Gap - Strategies to Catch Up and Thrive
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Feeling behind on retirement savings and worried you will never be able to retire? This episode is for you. In this episode, I cover the following topics: How to define your retirement gap Five strategies to help close the gap and find success Importance of budgeting to achieve retirement Money fears that may be holding you back Let’s Connect! Are …
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260:// From Habits to Results: The Practice Effect
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On today’s episode we are going to talk about practice - more specifically which habits you practice each day and how that influences the results you are getting or NOT getting. Practicing positive behaviors will lead to positive behavior change. Practicing negative behaviors will yield negative or little results. Instagram: www. instagram.com/whol…
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