Advertise on podcast: Investor Mama

Connect with the Investor Mama Tribe  Looking for ways to boost your income? Check out these resources to help you with your money journey About Ali is the Managing Director of Waldron’s Wealth Planning Department, where she develops and implements comprehensive, goal-based wealth planning strategies for our clients. For more than 12 years, Ali has been helping entrepreneurs and their families simplify their financial lives. After earning a Marketing and a Management Information Systems degree from Marietta College, she earned a Master of Business Administration from Florida Atlantic University.   Key Take Aways “Common” doesn’t mean “normal.” Extreme exhaustion, cystic acne, and mood swings are common among working moms, but they can be signs of real hormonal imbalances. Ali’s cortisol was in the single digits and her pregnenolone was critically low — both missed by her routine annual blood work. Advocate for yourself, even when your doctor says no. Ali’s PCP told her she didn’t need to see a hormone specialist. She went anyway, and the specialist found multiple serious deficiencies using the same blood work. If your gut says something is off, keep pushing. The financial cost is real — and navigable. Office visits were affordable (~$100), but specialized blood work like amino acid profiles ran into the thousands. The key to getting it covered: learning to read your Explanation of Benefits, cross-checking diagnostic codes, and relentlessly following up between your doctor’s office and the lab. Small schedule shifts can transform your health. Ali stopped working out at 4 AM on an empty stomach, pushed caffeine until after breakfast, and started arriving at the office at 8:30 instead of 7:45. Nothing fell apart — and within three months her energy, skin, and cortisol levels all improved significantly. Hormone health is family wealth. Ali’s hormone specialist told her that based on her blood work, she likely wouldn’t have been able to conceive again — connecting her recurrent miscarriages to underlying imbalances. Proactive hormone testing before and after pregnancy could save families heartache, and it’s an overlooked part of a mom’s financial and life planning. Additional Resources and Help Support the Show Check out the Intern Strategy Course created by Christina from Smart Influencer Learn How to Make Extra Money with a Side Hustle or Get a High Paying Salary with Time Flexibility Episode #30:The #1 Side Hustle for the On the Go Busy Mom with Mike Yanda and Bobby Hoyt Episode #52: Millionaire by 31 and How to Start An ETSY Side Hustle Business with Julie Berninger from Gold City Ventures Check out Julia’s Sidehustle course to get started today The Legacy Binder to help you organize all of your estate documents and plans in case of an emergency Show Me How To Fix My Pelvic Floor from Tighten Your Tinkler Use Coupon Code: INVESTORMAMA to save $50 off this signature program High-income earner, needing an amazing accountant? Check out the TaxGoddess Connect with Ali Instagram https://www.waldronprivatewealth.com/ Prior Investor Mama Episodes Episode #116: Legacy Blueprint – Estate Planning 101 with Ali Swart, CFP Episode #117: Estate Planning 202 Understanding Trusts and Other More Complex Estate Strategies with Ali Swart, CFP

What happens when your body forces you to stop? Helen Malinowski was a solo practitioner, a mom of two, and completely burned out — until a shingles diagnosis became her wake-up call. In this episode, she shares how somatic therapy, community-building, and facing her money blocks helped her grow a thriving 7-figure group practice while actually working less. If you're a mom running on empty, this one's for you.

Connect with the Investor Mama Tribe Before starting her own business, Michelle spent a decade in sales working for 3 Fortune 500’s (yep! nearly 25,000 sales conversations and 2,100 sales presentations!). She went on to open and run a Toastmasters Club that helped high-achieving professionals master their messaging to easily gain new clients. Michelle said goodbye to the stability of the 9-5 to jump feet first into the wild ride of entrepreneurship. Now as a business owner and the creator Revenue Rascals,  Michelle has taught 1,000+ of online brands and startups to create and sell premium products by mastering sales skills and then building sales teams from the ground up. Her signature FREEDOM Framework helps coaches, consultants, speakers, agencies, brick and mortar service providers, and professional service providers create, implement and scale a stress-free rinse-and-repeat sales system while freeing up more and more time to do the things they love. Michelle host’s Revenue Rascals podcast, and advocate for smart ways to grow that create LTV, recurring revenue, and a hybrid sales approach to scaling.   Key Takeaways: Confidence is earned through action, not born. Build it incrementally — if you’re scared to charge $5,000, start by asking for $1,500, then work your way up. Reps build confidence, not the other way around. Consistency beats intensity in sales. The best sellers do “boring” daily activities (follow-ups, asking for the sale) without fail. Skipping sales activity today shows up as a slump ~90 days later — the “feast and famine” cycle. Keep your offer simple and start local. You don’t need a big following, expensive ads, or a perfect website — one core offer and a single email to your network can be enough to land your first clients. Use AI as a thought partner, not a replacement. Train AI on your own frameworks/templates to save time (e.g., turning a 6-hour custom script into a 10-minute process), and use it to pressure-test your offer by having it “poke holes” in your pitch. Regulate yourself before you perform. Non-negotiable personal habits (movement, rest, emotional release) prevent burnout cycles — treat self-regulation as seriously as your sales activities to sustain high performance long-term.   Additional Resources and Help Support the Show Check out the Intern Strategy Course created by Christina from Smart Influencer Learn How to Make Extra Money with a Side Hustle or Get a High Paying Salary with Time Flexibility Episode #30:The #1 Side Hustle for the On the Go Busy Mom with Mike Yanda and Bobby Hoyt Episode #52: Millionaire by 31 and How to Start An ETSY Side Hustle Business with Julie Berninger from Gold City Ventures Check out Julia’s Sidehustle course to get started today The Legacy Binder to help you organize all of your estate documents and plans in case of an emergency Show Me How To Fix My Pelvic Floor from Tighten Your Tinkler Use Coupon Code: INVESTORMAMA to save $50 off this signature program High-income earner, needing an amazing accountant? Check out the TaxGoddess Connect with Michelle Host, Revenue Rascals Fractional Leadership: 3 Tiers Available  Prepare your business, hire and train your first (or next!) A-team sales professional with the Startup Sales Leadership Academy Hybrid Digital Course! Grab Michelle’s new High-Performance Sales Habits Workbook on Amazon! Instagram LinkedIn

Looking for ways to boost your income? Check out these resources to help you with your money journey. Bio Mindy is the Community Manager at BiggerPockets.com. She is a Personal Finance Lover, Real Estate Nerd and DIY Gal. Lightning Round 1. What is one fun fact about you that not that many people know? So a hundred thousand years ago, in 1999, I hopped on my bicycle with a hundred other people. We rode from Seattle, Washington to Washington DC in 48 days.  It was a super fun time. It was a fundraiser for the American Lung Association because when you can’t breathe, nothing else matters.   2. Who inspires you the most and why? My oldest daughter is incredibly inspiring because she is so smart and she’s so driven. She’s 15. She has the normal amount of 15 year old,  the self-consciousness, but there are other parts of her where she’s like, I know that this is right, and I am not going to be deterred in any way. I don’t care what other people think about me.   3. What books are you reading now or have read and loved that you’d recommend? The Psychology of Money by Morgan Hausel Tipped: The life changing guide to financial freedom for waitresses, bartenders, strippers, and all other service industry professionals by Barbara Sloan 4. What is one actionable tip or piece of advice that you can tell our moms out there to help them on their financial independence journey? Know what you want and write down what your goals. It doesn’t necessarily have to be you plural. It can be you singular. I think that being on the same page with your partner is so valid. Know what you want as a mom, know what you want as a for your financial situation and then work backwards.   Additional Resources Investor Mama: Make some money  Bigger Pockets Money Podcast First-Time Home Buyer: The Complete Playbook to Avoiding Rookie Mistakes by Mindy Jensen and Scott Trench  How to Sell Your Home: The Essential Guide to a Fast, Stress-Free, and Profitable Sale by Mindy Jensen   Connect with Mindy Twitter Facebook Email: [email protected] Instagram Bigger Pockets

Looking for ways to boost your income? Check out these resources to help you with your money journey. Bio Dee is a CPA, finance instructor at UCLA and a mom of two. After doing some research, she found that there was no one single resource that shared tips on how to talk about money in simple and exciting ways with kids. One that also provides empirical data on the benefits of early childhood financial literacy. So, she created it! Dee founded Kids Money Academy to fill a huge need that empowers parents from all backgrounds to talk to their kids about money in a positive way. Her mission is to reach as many parents and kids as possible to instill healthy financial habits that create an abundant money mindset and legacy for wealth. As parents, the greatest gift that we can give our children that has unlimited return is a money mindset that creates an abundant and happy life. Additional Resources Sign up for Dee’s Friday Freebies The ABC’s of Investing for Kids Kids Money Academy Greenlight Debit Card for Kids Famzoo Debit Card for Kids Connect with Dee Instagram Facebook LinkedIn Episode #92: How to Respond to Your Children’s Money Questions with Dee from Kids Money Academy

Connect with the Investor Mama Tribe Looking for ways to boost your income? Check out these resources to help you with your money journey. Bio A catalyst, healthy disruptor and unshakeable optimist, Heidi’s passion lies in challenging the status quo, driving change and delivering experiences. Known as a translator between sectors whose background transcends education, health, nonprofits, university, business, philanthropy, design and podcasting. While stacking talents and lived experiences is her superpower, she continually embraces each role with a lens of empathy, trust and curiosity as critical threads embedded in the fabric of designing an authentic and memorable life. Today she and her husband live in Wisconsin with 3 children and spend a considerable amount of time outdoors, remodeling their third generation farm house, mastering un-tourism, and creating connections with people around the world.  Her podcast Ordinary Sherpa inspires families to connect through simple adventures.   Lightning Round 1. What is one fun fact about you that not that many people know? I have distant family relatives that are tied to Vincent van Gogh.   2. Who inspires you the most and why? 90% of the time I’d have to say my kids because I really get a lot of my energy from them. I like to think of myself when I was four, and one of the people that was really inspirational to me was my grandfather. He was a retired pastor, but he was a natural outdoorsman that was always making something out of nothing.   3. What books are you reading now or have read and loved that you’d recommend? The Art of Stillness: Adventures in Going Nowhere by Pico Iyer Outdoor Kids in an Inside World: Getting Your Family Out of the House and Radically Engaged with Nature by Steven Rinella 4. What is one actionable tip or piece of advice that you can tell our moms out there to help them on their financial independence journey? Keep it simple. When you start to think about what are the things that bring you joy, they’re usually things that are tangible, that are accessible, that you just have to look around and maybe look at with a new lens. It’s amazing how one little thread, you can pull on it, and it sparks so many other opportunities. So try to keep it simple.   Additional Resources Ordinary Sherpa  Heidi’s new book: Beyond Normal: A field guide to embrace adventure, explore the wilderness, and design an extraordinary life with kids  Ordinary Sherpa Podcast 50 Free Adventure Ideas Connect with Heidi Facebook Instagram

Connect with the Investor Mama Tribe Deb Kierstead is a mom of four and an educator with over 29 years of experience who got tired of waiting for schools to teach kids what they actually need to know about money. So she built a financial literacy program that’s practical, playful, and shockingly fun. Her son bought his first house at 24 – proof that teaching money skills young actually works.   Key Takeaways: 1. Start the money conversation NOW — and keep it positive Money habits begin forming as early as age 7. Talk about money openly and often at home, but always frame it in a neutral or positive way. Swap “we can’t afford that” for “we’re choosing not to buy that right now.” 2. Give your kids real cash and let them feel the pinch Hand your child a set amount at the grocery store and let them manage it — including figuring it out if they go over. The embarrassment or problem-solving in that moment teaches more than any lecture ever could. 3. Build a saving strategy, not just a savings lecture Instead of just saying “save your money,” use one of Deb’s three systems: Dime Dash – save 10¢ per dollar earned Quarter Quest – save 25¢ per dollar earned Marg’s Method – save 50¢ per dollar earned (the one that helped her son hit $100K by 23) 4. Teach the 3-step Spending Test before any purchase Before your kid buys something, ask: Is it a need or a want? Do you have the money for it? Is the quality worth the price? If it passes all three — no guilt, they buy it. This removes the battles and builds lifelong decision-making skills. 5. Stop fixing it — let them own it Whether it’s a budgeting mistake at the register or an impulse buy they regret, resist the urge to bail them out. Kids who earn and manage their own money develop a sense of ownership and pride that money handed to them simply can’t buy.   Additional Resources and Help Support the Show Check out the Intern Strategy Course created by Christina from Smart Influencer Learn How to Make Extra Money with a Side Hustle or Get a High Paying Salary with Time Flexibility Episode #30:The #1 Side Hustle for the On the Go Busy Mom with Mike Yanda and Bobby Hoyt Episode #52: Millionaire by 31 and How to Start An ETSY Side Hustle Business with Julie Berninger from Gold City Ventures Check out Julia’s Sidehustle course to get started today The Legacy Binder to help you organize all of your estate documents and plans in case of an emergency Show Me How To Fix My Pelvic Floor from Tighten Your Tinkler Use Coupon Code: INVESTORMAMA to save $50 off this signature program High-income earner, needing an amazing accountant? Check out the TaxGoddess Connect with Deb Live Skills Money Facebook Instagram YouTube

Connect with the Investor Mama Tribe Jessie Lang started investing in real estate by “house-hacking” over 10 years ago, and has since grown a substantial rental portfolio that she manages with the help of a small, remote team. In the last 36 months, she’s grown from 11 doors (bought the wrong way with 20% down), to 70 doors and counting. She’s laser focused on the BRRRR method, which allows her to put her money to work over and over to create generational wealth. She partners with private lenders to buy real estate with none of her own money, all while providing them double digit returns on their investment! Jessie has created a free mini-course—how to buy 1-3 rentals per month on autopilot (even if you don’t own a property yet, don’t have 20% down, and think rates are too high). When she isn’t managing rentals or coaching, she is traveling with her wife Laura, spoiling her 5 (yes 5!) pets, and getting her hands dirty in DIY house projects and gardening.   Key Takeaways: Start with $3,000 and a spare bedroom. You don’t need a big down payment to begin. Jessie’s first property was an FHA loan with $3K down. If you already own a home, renting out a room covers your mortgage and plants the seed. Action: Look up FHA loan requirements in your area this week. Find one local real estate meetup and show up. Every contractor, lender, wholesaler, and boots-on-the-ground person Jessie relies on came from networking in person. You don’t need to know anything yet — just go. Action: Search “real estate meetup [your city]” or BiggerPockets forums to find one happening this month. Download a free property management app before you even have a tenant. TenantCloud is free and builds the habits and systems you’ll need from day one. Don’t wait until you’re overwhelmed. Action: Sign up for TenantCloud today so the infrastructure is ready when you need it. Run the BRRRR  (buy, rehab, rent, refiance, repeat) numbers on one deal — even a fake one. Practice underwriting: find a distressed listing on Zillow, estimate rehab costs, and see if it hits the 75% LTV threshold after repair value. You learn by doing the math. Action: Pick one listing this week and walk through Jessie’s formula ($100K purchase + $40K rehab + $10K holding = $150K all-in, needs to appraise at $200K). Hire your “boots on the ground” before you make an offer. If you’re investing outside your market, line up a neutral third party first — someone from a local Facebook group or BiggerPockets subforum who will be your eyes and ears for $50–100 a trip. Action: Post in the BiggerPockets forum for your target market and ask if anyone does property walkthroughs for remote investors.   Additional Resources and Help Support the Show Check out the Intern Strategy Course created by Christina from Smart Influencer Learn How to Make Extra Money with a Side Hustle or Get a High Paying Salary with Time Flexibility Episode #30:The #1 Side Hustle for the On the Go Busy Mom with Mike Yanda and Bobby Hoyt Episode #52: Millionaire by 31 and How to Start An ETSY Side Hustle Business with Julie Berninger from Gold City Ventures Check out Julia’s Sidehustle course to get started today The Legacy Binder to help you organize all of your estate documents and plans in case of an emergency Show Me How To Fix My Pelvic Floor from Tighten Your Tinkler Use Coupon Code: INVESTORMAMA to save $50 off this signature program High-income earner, needing an amazing accountant? Check out the TaxGoddess Connect with Jessie Jessie’s Free Mini Course on How to Buy Your First Rental Properties LinkedIn Facebook Instagram Rentals Made Easy: Unlock the Proven Step-by-Step System to Build Wealth Through Rental Properties by Jessie Lang

Connect with the Investor Mama Tribe Kim Rogne is a Certified High Performance Coach, Keynote Speaker, and the bestselling author of For The Love of Self – How to Change Your Mindset in Just 5 Minutes a Day. With over 25 years in the real estate industry, including 10 years in leadership management, Kim gained the expertise needed to launch her personal and professional development company, For The Love Of. She empowers working moms and small business owners to create balance, achieve more, and discover their own ‘For The Love Of.’ Kim is known for her unique approach to personal growth and productivity, bringing clarity and actionable steps to those feeling overwhelmed by life’s demands. Her passion lies in helping others unlock their mindset superpower through her signature PRP Model (Potential = Reality = Perception), offering practical strategies that work both at home and in the workplace. As a self-proclaimed ‘mini-library’ of knowledge, Kim shares insights from books, podcasts, and her journey as a mom of two and her 27-year marriage. After a traumatic skiing accident left her wheelchair-bound, Kim took time off for the first time in 25 years. During this forced slow-down, she decided to stop dreaming and start doing, launching her business at age 50. Her company’s vision is to inspire, empower, and promote action so everyone can live their best ‘For The Love Of’ life—allowing each person to fill in the blank with what matters most to them.   Key Takeaways: 1. CEO Your Home — Stop Doing It All Yourself Treat your home like a business. Assign age-appropriate responsibilities to your kids (laundry, packing lunches, managing their schedule). Your worth is NOT in doing everything. Delegate just like you would at work — and don’t apologize for it. Start today: Pick one task you do daily and hand it off to your child or partner. 2. Create a Family Email + Shared Google Calendar Set up a dedicated family email that everyone has access to. All school newsletters, activity sign-ups, and events go there — not your personal inbox. As soon as kids are old enough, they update the family calendar themselves. Start today: Create a free Gmail family account and forward all school/activity emails there. 3. Use the “48-Hour Cart Rule” for Purchases Before buying anything over a set family threshold (Kim uses $50), it must sit in the cart for 48 hours. This one habit fights impulse spending and teaches kids delayed gratification — in your personal life AND your business. Start today: Set your family’s dollar threshold and make it a household rule. 4. Ask “What’s the ONE Thing?” to Beat Overwhelm When you feel buried, stop and ask: “What is the ONE thing I can do right now that will make everything else easier or unnecessary?” It might be making your bed, clearing the kitchen, or getting up 15 minutes early. Small wins protect your mental energy. Start today: Identify your one “sacred space” that, when tidy, gives you calm — and protect it. 5. Do 5-Minute Daily Journaling with These 6 Prompts Kim’s PRP journaling method (used to build a six-figure business in 12 months): Today I will release… Today I take in gratitude for… My core focus today is… Today I GET to… (opportunity, not obligation) I am… (affirmation or future manifestation) I will… (one action you’ll take) Start today: Grab any notebook and spend 5 minutes each morning on these 6 prompts. Download Kim’s free version at floself.com (or floworkingmoms.com for the working mom edition).   Additional Resources and Help Support the Show Check out the Intern Strategy Course created by Christina from Smart Influencer Learn How to Make Extra Money with a Side Hustle or Get a High Paying Salary with Time Flexibility Episode #30:The #1 Side Hustle for the On the Go Busy Mom with Mike Yanda and Bobby Hoyt Episode #52: Millionaire by 31 and How to Start An ETSY Side Hustle Business with Julie Berninger from Gold City Ventures Check out Julia’s Sidehustle course to get started today The Legacy Binder to help you organize all of your estate documents and plans in case of an emergency Show Me How To Fix My Pelvic Floor from Tighten Your Tinkler Use Coupon Code: INVESTORMAMA to save $50 off this signature program High-income earner, needing an amazing accountant? Check out the TaxGoddess Connect with Kim Kim Rogne For The Love of Self: Change Your Mindset in Just 5 Minutes a Day LinkedIn Facebook Instagram

Connect with the Investor Mama Tribe With over 25 years of experience managing the full spectrum of her clients’ financial lives – everything from accounting and bill payment to coordinating with wealth managers, estate attorneys, and insurance agents – Tari K. Vickery brings an unmatched, real-world perspective to the emotional side of money. Her sociology degree from Stanford and lived experience through dramatic personal financial shifts give her a rare blend of academic insight and deep empathy. Her authenticity and hands-on expertise resonate with readers across generations, making her voice both trustworthy and transformational.   Key Takeaways: Your money story starts in childhood — and it’s not your fault. Most money struggles are rooted in what we watched, heard, and felt as kids. Recognizing those patterns is the first step to breaking them. “We can’t afford it” can do more harm than good. Teaching kids the value behind financial choices (“we choose to spend our money differently”) builds healthier money mindsets than using scarcity language. Even wealthy people stress about money — and here’s why. Unexamined money triggers don’t disappear when the bank balance grows. Awareness of why money triggers you is what creates real peace. Avoidance is the enemy of financial freedom. Whether it’s unopened mail or unfiled taxes, avoidance creates a vicious cycle. The antidote? Start small, track your spending, and build on tiny wins. Start money conversations early — and make them normal. Talking to kids about money casually (at the grocery store, toy store, or dinner table) is far more powerful than one big, scary “money talk.” Have the hard conversations with aging parents and your partner. Not knowing where your parents stand financially — or being misaligned with your spouse on money values — creates silent stress that compounds over time. Compassion is the gateway to change. When you start examining your money wounds, be gentle with yourself and your parents. No one intentionally passed down financial trauma.   Additional Resources and Help Support the Show Check out the Intern Strategy Course created by Christina from Smart Influencer Learn How to Make Extra Money with a Side Hustle or Get a High Paying Salary with Time Flexibility Episode #30:The #1 Side Hustle for the On the Go Busy Mom with Mike Yanda and Bobby Hoyt Episode #52: Millionaire by 31 and How to Start An ETSY Side Hustle Business with Julie Berninger from Gold City Ventures Check out Julia’s Sidehustle course to get started today The Legacy Binder to help you organize all of your estate documents and plans in case of an emergency Show Me How To Fix My Pelvic Floor from Tighten Your Tinkler Use Coupon Code: INVESTORMAMA to save $50 off this signature program High-income earner, needing an amazing accountant? Check out the TaxGoddess Connect with Tari The Emotional Side of Money: A Roadmap to Finanical Wellness Tarikvickeryauthor.com Instagram Facebook LinkedIn

Connect with the Investor Mama Tribe Janine Mix is a Christian entrepreneur, author, speaker, and investor who turned her financial life around from being $120,000 in debt to becoming a multimillionaire. After years of frustration with conventional financial advice focused on strict budgeting and cutting expenses, Janine finally experienced a breakthrough by unlearning these limiting approaches and transforming her relationship with money. This pivotal shift empowered her to take bold, strategic actions that led to complete financial freedom by age 33. Janine believes that more wealth in the hands of women can change the world and is passionate about helping women get out of their own way and break financial barriers and build generational wealth. Janine hosts the Permission to Prosper podcast, where she shares insights on financial empowerment and wealth-building strategies. Her  best-selling book, Buy The Damn Coffee, is a call to break free from cycles of blame, shame, and restrictive money habits, empowering readers to embrace a mindset that fosters confidence, growth, and impact for their families and communities.   Key Takeaways: 1. Heal Your Money Story Before You Build Wealth Your relationship with money — what you heard, learned, and experienced growing up — is what’s actually blocking you. Until you identify and rewrite those beliefs, no strategy will stick. Janine’s “MIX Shift Framework”: find the message, ask if it’s true, cross it out, and replace it with a new one. 2. There’s No One-Size-Fits-All Real Estate Strategy — Start with Your Goal Airbnb, flipping, house hacking, single-family rentals — they all work. The key is knowing why you’re investing and what you want your life to look like. You only need 3–5 semi-free-and-clear properties to retire. Pick one strategy, start, and give yourself permission to pivot. 3. Not All Debt Is Bad — Learn to Use Leverage Consumer debt takes your money; leveraged debt makes you money. Real estate’s real power isn’t just cash flow — it’s depreciation, tax benefits, equity lines of credit, and using other people’s money (OPM) to grow. Net worth on paper means nothing; cash flow is what matters. 4. Focus on Income, Not the $5 Latte Cutting small expenses won’t change your life — growing your income will. “Buy the Damn Coffee” is a movement away from guilt and scarcity thinking. Temporary sacrifice is okay to course-correct, but the real wealth shift happens when you move from restricting to building. More money in the hands of women changes the world.   Additional Resources and Help Support the Show Check out the Intern Strategy Course created by Christina from Smart Influencer Learn How to Make Extra Money with a Side Hustle or Get a High Paying Salary with Time Flexibility Episode #30:The #1 Side Hustle for the On the Go Busy Mom with Mike Yanda and Bobby Hoyt Episode #52: Millionaire by 31 and How to Start An ETSY Side Hustle Business with Julie Berninger from Gold City Ventures Check out Julia’s Sidehustle course to get started today The Legacy Binder to help you organize all of your estate documents and plans in case of an emergency Show Me How To Fix My Pelvic Floor from Tighten Your Tinkler Use Coupon Code: INVESTORMAMA to save $50 off this signature program High-income earner, needing an amazing accountant? Check out the TaxGoddess Connect with Janine Janinemix.com Buy the Damn Cofee by Janine Mix Permission to Prosper Podcast Instagram Facebook

Connect with the Investor Mama Tribe Joy Owens loves outdoor activities, travel and staying home with her two little ones. She is also passionate about learning how to make money grow through real estate and business. Joy quit teaching to stay home with her children, and now owns and manages Butler Travel.   Additional Resources Check out the Intern Strategy Course created by Christina from Smart Influencer Learn How to Make Extra Money with a Side Hustle or Get a High Paying Salary with Time Flexibility Episode #30:The #1 Side Hustle for the On the Go Busy Mom with Mike Yanda and Bobby Hoyt Episode #52: Millionaire by 31 and How to Start An ETSY Side Hustle Business with Julie Berninger from Gold City Ventures Check out Julia’s Sidehustle course to get started today The Legacy Binder to help you organize all of your estate documents and plans in case of an emergency Show Me How To Fix My Pelvic Floor from Tighten Your Tinkler Use Coupon Code: INVESTORMAMA to save $50 off this signature program High-income earner, needing an amazing accountant? Check out the TaxGoddess Key Takeaways 1. Stop Shrinking Yourself — You’re Not “Just” Anything Joy spent her first year as a business owner doing the same work as her employees — answering emails, booking tickets, trying to stay “on the same level.” She didn’t start calling herself CEO until almost two years in. And when she finally did? Everything shifted — how she made decisions, how she carried herself, even how she talked about her company. Her 4- and 5-year-old kids now proudly tell people “we own Butler Travel.” If you’ve built something — a business, a side hustle, a career — stop introducing yourself with “I just…” You earned the full title. Use it. 2. Ask the Uncomfortable Question: “What Are We Getting Wrong?” Joy didn’t sit behind a desk and guess what her clients needed. She got on a plane, flew to California, sat down with her biggest client, and asked: What do you love? What’s not working? That takes guts. The answer? Their after-hours support was terrible — clients were stuck on hold for two hours during emergencies in foreign countries. So Joy built her own 24/7 emergency team. That decision literally saved an 8-year-old girl’s life when a missionary family in Tanzania needed an emergency flight home. Most of us avoid asking “what’s broken?” because we’re afraid of the answer. But that one uncomfortable conversation became the thing that set her business apart. Whether you run a company or manage a household budget — ask the hard questions. The answers are where the growth is. 3. You Will Outgrow Your Circle — And That’s Okay Joy joined a community of mom entrepreneurs early on. It felt great at first — supportive, relatable, everyone figuring it out together. But after a few months, she realized the conversations were about things she’d already figured out — setting up a website, getting on Instagram. She wasn’t growing anymore. So she made a scary (and expensive) leap into a room where people were scaling to $300 million. Suddenly she was the smallest fish — and that’s exactly where she needed to be. Here’s the real talk: it can feel guilty to outgrow a group, especially one full of women you relate to. But staying in a room where you’re the most experienced person isn’t humility — it’s hiding. Joy’s advice? Whether it’s a podcast, a book, a coach, or a mastermind — put yourself in the room that stretches you, not the one that just comforts you. Connect with Joy   Butler Travel Instagram Facebook Episode #150: How this Mom Bought A Travel Business and Lessons Learned with Joy Owens from Butler Travel

Connect with the Investor Mama Tribe   Since 2010, Carrie Friedberg, the SF Money Coach, has been teaching individuals, families and small business owners all over the world how to align their spending, saving and earning with their values. Carrie Friedberg was raised in Grosse Pointe, Michigan. She studied Buddhism at Trinity College in Connecticut before moving to San Francisco to attend the graduate school of education at the University of San Francisco. In addition to earning a multiple subject teaching credential and masters degree, Carrie became a certified yoga instructor and started practicing Vipassana meditation and Mindfulness Based Stress Reduction (MBSR). She is now a certified psychology-informed money coach and financial behavior specialist with an extensive background in education, mindfulness and personal development. She has been featured by the US News, Forbes, New York Post, MarketWatch and Oprah Magazine and many other media outlets. Carrie has consulted with Visa, Macy’s, SAP, Google, WeWork and Airbnb. She led financial wellness workshops at University of California, Berkeley, University of San Francisco and Santa Clara University. Carrie’s debut book At Peace with Money comes out on Jan. 20, 2026. She lives in Portola Valley, CA with her husband and two young children. Check out Carrie’s Personal Finance 101 Online Course and much more at sfmoneycoach.com. Key Takeaways: Your childhood money story shapes your adult financial behavior. Growing up watching parents fight about money can create deep shame, anxiety, and avoidance around finances. Emotional healing comes before budgeting. Addressing the psychological and spiritual side of money is the foundation — you can’t stick to a budget if you haven’t dealt with the feelings underneath. Anyone who can do 5th-grade math can master personal finance. You don’t need to be an expert — just addition and subtraction (and a calculator). The 3 levels of financial wellness: Tracking (know where your money goes) → Planning & Budgeting (based on real numbers) → Lifelong Financial Literacy (keep learning and growing). “When you take care of your money, your money takes care of you.” Staying consciously connected to your finances — logging in, reviewing transactions regularly — creates a ripple effect of confidence and better decisions. It’s okay to outsource. Busy families can hire a bookkeeper (starting around $30/hr) to handle tracking — it’s as essential as having a housekeeper. Self-care is a financial strategy. You can’t manage money well if you’re burned out. Even 5 minutes of daily relaxation supports better financial decision-making.   Additional Resources and Help Support the Show Check out the Intern Strategy Course created by Christina from Smart Influencer Learn How to Make Extra Money with a Side Hustle or Get a High Paying Salary with Time Flexibility Episode #30:The #1 Side Hustle for the On the Go Busy Mom with Mike Yanda and Bobby Hoyt Episode #52: Millionaire by 31 and How to Start An ETSY Side Hustle Business with Julie Berninger from Gold City Ventures Check out Julia’s Sidehustle course to get started today The Legacy Binder to help you organize all of your estate documents and plans in case of an emergency Show Me How To Fix My Pelvic Floor from Tighten Your Tinkler Use Coupon Code: INVESTORMAMA to save $50 off this signature program High-income earner, needing an amazing accountant? Check out the TaxGoddess Connect with Carrie SF Money Coach Order Carrie’s book At Peace with Money: A Holistic Roadmap to Financial Wellness LinkedIn Facebook Instagram

Connect with the Investor Mama Tribe Maja Taylor is a Career Ownership Coach with The Entrepreneur’s Source where she helps people explore opportunities outside of the traditional job market such as business ownership. She is passionate about positive transformations and continuous learning. She enjoys watching people experience “AHA” moments and live up to their full potential. For over 15 years, Maja has partnered with individuals to go through career, life and leadership transformations successfully by working through those tough questions together. She is a certified professional coach with a background in talent development and science education. She has worked for global organizations in Europe and the United States as a team leader, scientist, strategic HR professional, trainer, coach and mentor. Her primary focus is for her clients to reach higher levels of success and happiness by helping them turn challenges into opportunities and obstacles into growth. While Maja was born, and raised in Germany, she now lives outside of Philadelphia, Pennsylvania with her husband Dan and their 2 cats. They have 3 grown sons. Maja considers herself a world citizen, loves to go on outdoor excursions and global travel adventures with her family and friends. She has a passion for serving the highest purpose, loves languages and exploring diverse cultures as well as curling up with a good book. Life motto: Learn something new every day and expanding. Trust your process! Key Takeaways: 1.You’re Not Stuck in Corporate—Franchising Offers a Proven Exit Path After 30+ years in corporate with 9 bosses in 5 years, Maya discovered franchising as a way to build her own equity instead of someone else’s dream. The education-first approach helps you explore whether business ownership aligns with your goals before committing, with no sales pressure. 2. Budget Conservatively—Plan for at Least One Year of Working Capital The #1 reason businesses fail is lack of funding. Maya strongly recommends having 12 months of working capital (both personal and business budgets covered) because the first year is a builder year—you’re creating awareness and relationships, not generating immediate cash flow. 3. Bring Your Spouse/Support System Along the Journey Don’t make this decision in isolation. People who haven’t gone through the discovery process will give “good advice” that derails you (“get a steady job!”). Having your partner understand the opportunity and support you emotionally through tough days is critical—entrepreneurship is a team sport, and you need people in your corner who believe in your vision.   Additional Resources and Help Support the Show Check out the Intern Strategy Course created by Christina from Smart Influencer Learn How to Make Extra Money with a Side Hustle or Get a High Paying Salary with Time Flexibility Episode #30:The #1 Side Hustle for the On the Go Busy Mom with Mike Yanda and Bobby Hoyt Episode #52: Millionaire by 31 and How to Start An ETSY Side Hustle Business with Julie Berninger from Gold City Ventures Check out Julia’s Sidehustle course to get started today The Legacy Binder to help you organize all of your estate documents and plans in case of an emergency Show Me How To Fix My Pelvic Floor from Tighten Your Tinkler Use Coupon Code: INVESTORMAMA to save $50 off this signature program High-income earner, needing an amazing accountant? Check out the TaxGoddess Connect with Maja Schedule a Call LinkedIn Facebook Instagram

Connect with the Investor Mama Tribe Lori Atwood, CFP® is the founder of Fearless Finance, whose mission it is to bring money happiness to absolutely everyone. Lori founded Fearless Finance to provide fiduciary, hourly, virtual financial planning advice to people who felt expert financial advice was out of reach. No sales, no commissions, no minimums and no judgment. Lori started Atwood Financial Planning, LLC in 2016, and she has worked in finance for almost 25 years.he firm now operates under the brand Fearless Finance. Key Takeaways: The Five Steps to Financial Wellbeing: Spend less than you earn, maintain a rainy day fund ($2,000+), build 3-6 months emergency savings, save 15% for retirement, and manage or eliminate consumer debt—all rooted in that first critical step of living below your means. It’s Never Too Late to Start: If you’re in your 40s or 50s and behind on savings, focus on transparency and doing the math rather than avoiding the problem. Calculate your actual retirement needs, increase savings by cutting spending, and remember that financial prosperity isn’t about what you own—it’s about spending less than you earn. Plan for Aging Parents Early: Have honest conversations about your parents’ finances before crisis hits. Aging in place is typically the most affordable option, and families should explore all resources including Medicare, Medicaid, and shared family contributions rather than avoiding difficult discussions. Happiness is Your Best Financial Investment: Unhappiness leads to overspending as people try to “buy happiness.” Investing in what truly makes you content—whether that’s help with childcare, house cleaning, or leaving a toxic job—will save you money long-term by reducing emotional spending and improving decision-making.   Additional Resources and Help Support the Show Check out the Intern Strategy Course created by Christina from Smart Influencer Learn How to Make Extra Money with a Side Hustle or Get a High Paying Salary with Time Flexibility Episode #30:The #1 Side Hustle for the On the Go Busy Mom with Mike Yanda and Bobby Hoyt Episode #52: Millionaire by 31 and How to Start An ETSY Side Hustle Business with Julie Berninger from Gold City Ventures Check out Julia’s Sidehustle course to get started today The Legacy Binder to help you organize all of your estate documents and plans in case of an emergency Show Me How To Fix My Pelvic Floor from Tighten Your Tinkler Use Coupon Code: INVESTORMAMA to save $50 off this signature program High-income earner, needing an amazing accountant? Check out the TaxGoddess Connect with Lori Fearless Finance Use Promo Code Investor Mama to get  $50 off your first meeting. LinkedIn Instagram Facebook