Advertise on podcast: Money & You with Michelle Perkins

Ep 223: Preparation for financial Success: What most people Miss Part 1

This episode of The Money and You Show dives deep into the hidden strategies of college funding with financial expert Brian Eyster. The conversation reveals that paying for college isn’t just about saving—it’s about strategic planning, tax positioning, and negotiation. Brian challenges common assumptions around tools like 529 plans, exposes how colleges actually price tuition, and explains how families—regardless of income—can reduce costs dramatically. He emphasizes that most families either overpay or under-plan, often due to lack of knowledge, not lack of resources. The biggest takeaway: college funding is a strategy game—and those who understand the rules win.

Ep 221: The Energy of Money: How Alignment Creates Money Flow

Ep 320: The Million Dollar Mistake Most Investors Don’t Even Know They’re Making

Ep 219: “Confidence, Courage, and Cash Flow: The Mindset That Changes Everything”

Ep 218: “Overthinking holds you back. Action moves you forward.”

Ep 217: Your Knowledge Is an Asset: Turn What You Know Into 24/7 Income Special Guest: Justin Allan Montgomery

Ep 216: Should You Really Take Social Security at 62? The Truth Behind the Numbers

In this podcast episode, Michelle speaks with Canadian founder and CEO of Charitable Impact, an online giving platform to develop, navigate, and carry out one’s charitable goals in a unique and surprising way.  John Bromley’s visionary leadership and innovation have indelibly reshaped the charitable sector in Canada and the options are available in the US as well. Bromley’s career began in corporate finance, but a pivot into charity law revealed the obstacles standing in the way of charitable giving in Canada. Motivated to make giving more accessible and participatory, he founded Charitable Impact. He’s been challenging the status quo, and advocating for greater access, education, and dialogue ever since. Charitable Impact has proudly facilitated more than $1.5 billion in donations and is helping tens of thousands of Canadians discover their innate generosity, pursue their vision for change, and transform their giving habits. John is a two-time TEDx speaker, a Business in Vancouver Forty Under 40 winner, a soccer coach, and a doting father of two kids. Michelle and John discussed the importance of engaging in charitable giving, regardless of one's financial status, emphasizing that individuals can start giving even with small amounts. John shared insights from his background, including his father's influence as a pioneer in charity law in Canada, and highlighted the concept of donor-advised funds (DAFs) as a practical tool for facilitating charitable contributions.  Focusing on how DAFs allow individuals to create a giving account, receive immediate tax benefits, and plan their charitable donations over time. This approach encourages people to overcome the "intention gap"—the disparity between the desire to give and actual giving behavior.  The discussion promotes a proactive attitude towards philanthropy, suggesting that anyone can contribute to societal change, fostering a culture of generosity and community involvement, while also reaping immediate tax benefits. The episode ultimately aims to inspire listeners to integrate charitable giving into their lives, regardless of their financial situation. 00:01 - Engaging in philanthropy early  09:41 - Understanding donor advised funds 20:52 - Bridging the intention gap 32:50 - Entrepreneurial attitude in giving 42:23 - Emotional decisions in charity  The intention gap refers to the discrepancy between what individuals intend to do regarding charitable giving and what they actually accomplish. The podcast highlights how many people have a desire to be charitable but struggle to take action. Tools like donor advised funds can help bridge this gap by providing a structured way to commit to giving. Emotional decision-making is significant in charitable giving, as individuals often feel compelled to give without a structured approach. The podcast suggests that by using tools like donor advised funds, donors can make more intentional and thoughtful contributions, rather than giving sporadically based on emotional impulses. The guest advocates for an entrepreneurial attitude towards giving, emphasizing that it's not about the amount donated but rather the act of starting to give. They compare the journey of becoming a donor to that of an entrepreneur, highlighting the importance of taking initiative and making charitable contributions a regular part of one's life, regardless of financial status. Key Takeaways:  DAFs as a Tool for Giving:Donor advised funds provide a structured way to manage charitable contributions while offering immediate tax benefits.- Charitable Giving is Accessible: Anyone can start giving, regardless of their financial situation. Small contributions can lead to significant impact over time.- Action Over Intention:  Taking action towards charitable giving can bridge the intention gap and lead to a more fulfilling life.- Community Engagement:  Contributing to local organizations and causes fosters a sense of community and personal responsibility. John recently launched a new product called Charitable Allowance. It's a great tool to help kids learn about charitable giving and practice generosity. It provides a hands-on experience for children to explore charitable giving with their own giving account. _______________________ For more tools and conversations about money mindset, practical tips, confidence, and financial empowerment… Subscribe to the “Money & You With Michelle Perkins” Podcast: Apple Podcasts Please rate & review and share the show with friends and family who want to feel more confident and in control of their financial lives—it really helps us!Join the Limit Free Life Community & Blog: https://limitfreelife.com/newsletter Learn more about Michelle Perkins: https://limitfreelife.com LinkedIn: Michelle M. Perkins MBA on LinkedIn Instagram: @livealimitfreelife YouTube: Michelle Perkins – Limit Free Life

In this podcast episode of "Money & You," host Michelle Perkins discusses financial literacy and empowerment, particularly for women, with guest Irene Kelly, a bilingual financial educator and investment advisor. Irene's experience as a Latina woman and her work with WEV, which focuses on economic and gender equity, shapes her commitment to addressing financial education through a lens of inclusivity and empowerment. The episode underscores the importance of addressing financial education early, advocating for a shift from a scarcity to an abundance mindset. Irene notes that participants in their programs often experience a sense of agency and liberation as they confront their financial pasts and learn to navigate the financial system. The discussion also touches on the need for trauma-informed financial education and the role of community support in fostering financial empowerment. This episode aims to dismantle financial taboos and promote inclusive financial education, ultimately helping individuals take control of their financial futures. 00:01 - Introduction to financial mindset  05:42 - Healing financial trauma 17:15 - Building wealth through support 28:35 - Empowerment and community growth 34:59 - Understanding credit basics 45:34 - Resources for financial empowerment  The podcast emphasizes starting financial education with mindset and personal financial history rather than conventional banking formulas, aiming to heal past financial traumas before moving on to practical financial skills. Participants in WEV often struggle with feelings of discomfort around money conversations, limited financial literacy, and the need for support systems, which can hinder their ability to take proactive steps in their financial empowerment. Community is portrayed as a vital support system that fosters openness and curiosity, helping individuals feel empowered to take charge of their financial paths and encouraging them to engage in meaningful money conversations. Key Takeaways: Mindset Matters: Your relationship with money is foundational to your financial success. Healing past financial wounds can lead to a more empowered future.- Curiosity and Openness:  Approaching financial education with curiosity leads to greater understanding and empowerment.- Community Support: Engaging with a community can provide the necessary support and encouragement to take charge of your financial journey.- Credit is one of our most powerful tools for building wealth: Deep dive  into the challenges and opportunities around credit.- Invest in Yourself: Seeking expert help and investing in financial education is crucial for long-term financial health and well-being. WEV offers virtual, free credit building and other financial empowerment courses as well as other resources - reach out to WEV at: https://www.wevonline.org/financial-empowerment/ ___________________________________________________ For more tools and conversations about money mindset, practical tips, confidence, and financial empowerment… Subscribe to the “Money & You With Michelle Perkins” Podcast: Apple Podcasts Please rate & review and share the show with friends and family who want to feel more confident and in control of their financial lives—it really helps us!Join the Limit Free Life Community & Blog: https://limitfreelife.com/newsletter Learn more about Michelle Perkins: https://limitfreelife.com LinkedIn: Michelle M. Perkins MBA on LinkedIn Instagram: @livealimitfreelife YouTube: Michelle Perkins – Limit Free Life

In the podcast episode of "Money & You," host Michelle Perkins and her guest, Brian Herriot (author, speaker, business coach and financial advisor), discuss how to emphasize the pursuit of time freedom even before financial independence. We typically hear that financial freedom brings us time freedom. What if we flip that script? Our guest suggested that a fulfilling work-life balance earlier can lead to better financial outcomes later, while enhancing your life now. The speakers explore how entrepreneurial skills can help individuals navigate their financial situations and the significance of understanding one's money personality.  They highlight the generational shift in attitudes towards work, with younger individuals seeking autonomy and flexibility in their careers. The episode underscores the need for practical financial planning and the importance of making proactive decisions about one's career and finances. This discussion is crucial as it addresses common financial obstacles and encourages listeners to rethink their approach to money and work, ultimately aiming for a more fulfilling life.  00:01 - Mindset and money connection  09:16 - Deciding to pursue freedom first 20:28 - Understanding money personalities 32:20 - Generational perspectives on work 37:50 - Book insights and resources  The host suggests that individuals should prioritize achieving time freedom first, as it can lead to financial freedom, rather than solely focusing on financial independence as a distant goal. The podcast highlights that many entrepreneurial individuals enjoy their work and may not have a clear plan for retirement activities, suggesting that they should explore different lifestyles and interests before fully retiring. Money personalities refer to the different ways individuals relate to and manage money.  They emphasize the importance of understanding one's money personality to improve financial habits and make informed decisions. Key Takeaways:   Decision-Making:Making a conscious decision to pursue time freedom can lead to new opportunities and ideas. Work and Passion:Finding work that you love and making it great can enhance overall satisfaction and financial success.Financial Awareness:   Understanding your money personality can help you manage finances better and avoid pitfalls. Planning for Retirement:  It's essential to have a plan for what you want to do in retirement, rather than just focusing on financial accumulation. Contact Brian: Listeners are encouraged to visit http://timefreedombook.com to learn more about Brian and to purchase books. Use the code "Michelle" for a special offer on the audiobook. ___________________________________________________ For more tools and conversations about money mindset, practical tips, confidence, and financial empowerment… Subscribe to the “Money & You With Michelle Perkins” Podcast: Apple PodcastsPlease rate & review and share the show with friends and family who want to feel more confident and in control of their financial lives—it really helps us! Join the Limit Free Life Community & Blog: https://limitfreelife.com/newsletter Learn more about Michelle Perkins: https://limitfreelife.com LinkedIn: Michelle M. Perkins MBA on LinkedIn Instagram: @livealimitfreelife YouTube: Michelle Perkins – Limit Free Life

In the podcast episode of "Money & You," host Michelle Perkins engages with entrepreneur and coach Katrina van Oudheusden, former chef and now CEO of Truth Bomb Marketing. Katrina focuses on the unique challenges faced by female entrepreneurs. The discussion centers on the physiological, hormonal, and emotional differences between men and women in business, particularly regarding productivity and financial management. Katrina emphasizes the importance of understanding women's rhythms and how they impact business operations, advocating for a shift in mindset towards productivity that aligns with women's energy cycles.  The conversation highlights the need for women to feel safe in their business environments and to prioritize self-care and intention over traditional goal-setting. Katrina introduces her program, "Create Her Business Rewire," aimed at helping women design marketing strategies that resonate with their experiences.  This episode is significant as it addresses the often-overlooked aspects of women's experiences in entrepreneurship, advocating for a more supportive and understanding approach to business that acknowledges their unique needs. The insights shared aim to empower women to thrive in their businesses while fostering a healthier relationship with money. 00:01 - Mindset and money connection  05:56 - Women in business dynamics 15:25 - Understanding women's energy cycles 25:00 - Planning for safety and success 36:58 - Financial structure essentials 42:26 - Automating financial strategies  How does Katrina suggest women can improve their productivity in business?Katrina suggests that women should align their tasks with their energy cycles, particularly their infradian rhythm, which affects their productivity throughout the month. By planning tasks according to their energy levels, women can work more effectively and feel less overwhelmed. Katrina refers to 'time safety' and 'financial safety' as the need for women to feel secure in their time management and financial decisions. This includes planning for rest and reflection, as well as having a clear understanding of their financial structures to avoid the chaos often associated with running a business. What role does intention play in women's business planning according to Katrina?Katrina highlights that women prefer to set intentions rather than goals when planning their business activities. This shift in language helps women feel more aligned with their objectives and allows them to create a more personalized and fulfilling business strategy. Katrina points out that many entrepreneurs lack proper financial education and support. She advocates for a structured approach to managing income, suggesting that entrepreneurs should have a financial advisor and a clear plan for how to allocate their earnings, rather than treating their business finances as chaotic or secondary. Key Takeaways: Women can thrive in business by embracing their unique cycles and understanding their bodies.- Productivity should be redefined to align with women's energy levels and natural rhythms.- Financial literacy is crucial for entrepreneurs; understanding where money goes is essential for sustainable success.- Planning for rest and self-care is as important as planning for work and productivity.- Setting intentions rather than goals can lead to a more fulfilling and successful business journey. Contact Katrina:Truthbombmarketing.comCreatHER Money Revolution Summit For more tools and conversations about money mindset, practical tips, confidence, and financial empowerment… Subscribe to the “Money & You With Michelle Perkins” Podcast: Apple Podcasts Please rate & review and share the show with friends and family who want to feel more confident and in control of their financial lives—it really helps us! Join the Limit Free Life Community & Blog: https://limitfreelife.com/newsletter Learn more about Michelle Perkins: https://limitfreelife.com LinkedIn: Michelle M. Perkins MBA on LinkedIn Instagram: @livealimitfreelife YouTube: Michelle Perkins – Limit Free Life

In this podcast episode, host Michelle Perkins engages in a discussion with financial advisor Morgan E. Nichols, is a financial advisor and author of "Intentional Legacy." She is passionate about helping individuals and families align their financial choices with their core values and create a meaningful legacy. Focusing on the relationship between mindset and money management. The conversation emphasizes how financial challenges often stem from one's mindset and habits, highlighting the importance of aligning wealth with personal values.  They explore concepts like "Intentional Legacy," which encourages individuals to think beyond mere financial accumulation and consider the impact of their financial decisions on their families and communities. They discuss the significance of regular financial check-ins, referred to as "money dates," and the necessity of understanding one's financial history to foster better money habits. The speakers stress the importance of clarity and intentionality in financial planning, advocating for a mindset of "progress, not perfection." This episode provides actionable insights for individuals seeking to improve their financial well-being and legacy, emphasizing that financial planning is deeply intertwined with personal values and emotional well-being. 00:01 - Mindset and money connection  10:47 - Establishing money habits 19:31 - Values and financial progress 24:60 - Clarity and peace of mind 32:48 - Legacy through family lessons 40:02 - Saving strategies for future 45:42 - Intentional living and planning  The podcast covers  the importance of teaching children about money and instilling values related to giving back, suggesting that financial education and legacy planning should involve family participation to foster understanding and shared values. Advocating for intentionality in financial planning, they encourage individuals to regularly assess their financial habits and align their spending and saving with their core values. They suggest practices like 'money dates' to maintain awareness and make conscious financial decisions. The 'old story, new story' exercise involves reflecting on one's past beliefs about money and creating a new narrative for the future. This exercise is important as it encourages individuals to contemplate their financial mindset and make intentional changes that can lead to improved financial outcomes. Key Takeaways:   Mindset Matters: Our internal narratives about money can significantly influence our financial behaviors and decisions.- Progress Over Perfection: Emphasizing the importance of making incremental improvements rather than striving for perfection in financial planning.- Legacy Building: Financial choices today can create a lasting legacy for future generations.- Clarity and Peace of Mind: Gaining clarity in financial planning leads to peace of mind and confidence in decision-making.Contact: Morgan E. Nichols, CFP®, APMATM, CRPCTM, BFATM Private Wealth Advisor | Chief Executive Officer LifeBranch Wealth Partners | [email protected] A private wealth advisory practice of Ameriprise Financial Services, LLC For more tools and conversations about money mindset, practical tips, confidence, and financial empowerment… Subscribe to the “Money & You With Michelle Perkins” Podcast: Apple Podcasts Please rate & review and share the show with friends and family who want to feel more confident and in control of their financial lives—it really helps us! Join the Limit Free Life Community & Blog: https://limitfreelife.com/newsletter Learn more about Michelle Perkins: https://limitfreelife.com LinkedIn: Michelle M. Perkins MBA on LinkedIn Instagram: @livealimitfreelife YouTube: Michelle Perkins – Limit Free Life

In this episode of the Money & You Show, Michelle Perkins talks financial planning with her guest, Jennifer Strong CFP® AEP® a seasoned financial planner who has personal experience in navigating severe financial challenges and now helps others to do the same.  The conversation emphasizes the importance of adapting financial strategies at different life stages and the necessity of regular communication between clients and advisors. The speakers highlight the emotional aspects of financial planning, including the stress associated with money management and the significance of estate planning and insurance. The episode underscores the need for financial advisors to understand their clients' broader life circumstances, as these can significantly impact financial decisions. The discussion also touches on the varying relationships individuals have with money, suggesting that what works for one person may not work for another and we do not need to fit ourselves into a box This episode provides insights into the complexities of financial planning, encouraging listeners to actively engage with their financial advisors and reassess their financial strategies regularly. The conversation reflects contemporary issues in financial planning. 00:05 - Introduction to financial planning  08:48 - Adapting to life changes 17:27 - Understanding financial complexity 30:14 - The importance of insurance 36:56 - Personal relationships with money  Jennifer believes that effective financial planning, including insurance, provides peace of mind, allowing individuals to focus on enjoying life rather than worrying about financial uncertainties. Jennifer has personally experienced significant life changes that have influenced her understanding of financial planning, allowing her to relate to clients on a deeper level. Key Takeaways: Financial planning is not a one-time event but an ongoing process that requires regular communication and adjustments.- Personal experiences can greatly enhance a financial planner's ability to empathize with clients.- Life changes like divorce or job loss necessitate a reevaluation of financial strategies to ensure they remain effective and relevant.- Understanding the intricacies of investments and retirement accounts is crucial, especially for those later in life.- Estate and insurance planning are essential components of a comprehensive financial strategy.- Each individual's relationship with money is unique, and it's important to respect and support clients in their financial journeys. Contact Jennifer Strong, CFP® AEP® Financial Advisor, Principal [email protected] https://katecapitalgroup.com (805) 418-7552 Office ____________________________ For more tools and conversations about money mindset, practical tips, confidence, and financial empowerment… Subscribe to the “Money & You With Michelle Perkins” Podcast: Apple Podcasts Please rate & review and share the show with friends and family who want to feel more confident and in control of their financial lives—it really helps us! Join the Limit Free Life Community & Blog: https://limitfreelife.com/newsletter Learn more about Michelle Perkins: https://limitfreelife.com LinkedIn: Michelle M. Perkins MBA on LinkedIn Instagram: @livealimitfreelife YouTube: Michelle Perkins – Limit Free Life

In the first podcast episode of 2026, host Michelle Perkins and her guest Deborah Pardes, discuss the importance of play in our lives, and its potential, surprising benefits for personal and professional growth. The guest emphasizes the need to prioritize play as a means of enhancing well-being and creativity. She’s the founder of “The Payfull Society,” which brings people together IRL to explore how engaging in playful activities, such as games, can help individuals shift their perspectives, alleviate stress, and foster new ideas, even in challenging areas like finances and relationships. The conversation highlights the concept of the "Playfull Society," a community initiative aimed at encouraging people to integrate play into their daily lives. The speakers reflect on their experiences with games, noting how they can serve as a valuable tool for personal development. This discussion is significant as it advocates for a cultural shift towards valuing play, suggesting that it can lead to greater happiness and productivity. The episode underscores the idea that play is not merely leisure but a vital component of a fulfilling and creative life. 00:01 - Introduction to The Playfull Society  06:16 - Prioritizing play in life 19:06 - Transformative power of play 24:34 - Value of playful perspectives 38:17 - Creating a playful space 44:17 - Incorporating play into business  “The Playfull Society” was inspired by the host's experiences with literature and the interplay between achievement and reward systems, particularly in relation to how people prioritize play in their lives. The podcast discusses how engaging in play can help individuals shift their perspectives, reduce stress, and foster creativity, which can lead to new strategies for tackling personal and professional challenges. Many individuals struggle with feelings of guilt or the belief that play is less valuable than other activities, often feeling pressured by schedules and responsibilities that make it difficult to engage in playful activities. The podcast suggests that play can serve as a therapeutic outlet, allowing individuals to calm their nervous systems, gain new insights, and approach problems with a fresh perspective, ultimately benefiting their mental health. Key Takeaways- Play is Essential: Incorporating play into our daily lives can lead to improved mental health, creativity, and problem-solving abilities. Transformative Experiences: Engaging in playful activities can help individuals shift their perspectives and approach challenges with a fresh mindset.- Community Matters:  Building a supportive community around play can enhance the experience and provide valuable connections.- Play and Money: The connection between play and financial decision-making, highlighting how a playful mindset can lead to better strategies for managing money. Connect with Deborah:  ThePlayfullSociety.comFor more tools and conversations about money mindset, practical tips, confidence, and financial empowerment… Subscribe to the “Money & You With Michelle Perkins” Podcast: Apple Podcasts Please rate & review and share the show with friends and family who want to feel more confident and in control of their financial lives—it really helps us!Join the Limit Free Life Community & Blog: https://limitfreelife.com/newsletter Learn more about Michelle Perkins: https://limitfreelife.com LinkedIn: Michelle M. Perkins MBA on LinkedIn Instagram: @livealimitfreelife YouTube: Michelle Perkins – Limit Free Life