Cynthia & I interview Renée Michaud, a money and abundance coach from Vancouver, British Columbia. Renée specializes in helping people mend their complicated relationships with money to achieve greater success and happiness.

The discussion covers several key points:

1. Fear and Money: Renée explains how fear impacts our cognitive abilities and leads to poor financial decisions. When people are in a state of fear, they often sabotage their financial success by engaging in coping mechanisms like overeating or unnecessary spending.

2. Relationship with Money: The conversation delves into the deeply ingrained beliefs and emotional patterns around money, often stemming from childhood and family influences. Renée emphasizes the importance of recognizing and transforming these patterns to create a healthier relationship with money.

3. Mindset and Abundance: Renée encourages listeners to shift their mindset from viewing money as a necessary evil or a source of stress to seeing it as a neutral energy that can be a supportive partner. She suggests practical exercises like journaling about one’s feelings towards money and envisioning a positive relationship with it.

4. Generational Influence: The discussion touches on how generational beliefs about money can impact our current financial behaviors. Renée highlights the importance of updating these outdated beliefs to align with present-day goals and aspirations.

5. Practical Steps: Renée provides actionable steps for listeners to start improving their relationship with money, including being non-judgmental about their current financial situation, becoming aware of their automatic thoughts about money, and welcoming money as a positive force in their lives.

Cynthia & I sit down with Nils Welham, an business coach and founder of The Uncaged Existence. Nils shares his journey from a corporate career to coaching, emphasizing the importance of authenticity, vision, and systems in achieving business success and personal fulfillment.

What You'll Learn:

1. Introduction to Nils Welham:

   • Nils' diverse background, including living in multiple countries and extensive travel.
   • His mission to help individuals find joy and freedom by being true to themselves.

2. Transition from Corporate to Coaching:

   • Nils' initial career in financial services and the realization that it wasn't fulfilling.
   • The pivotal moments and personal experiences that led him to pursue coaching.

3. Cultivating Vision and Authenticity:

   • The importance of having a clear, personal vision beyond societal expectations.
   • Nils' approach to helping clients uncover their true desires and align their actions with their values.

4. Balancing Financial Security and Passion:

   • Strategies for managing financial risks while transitioning to a new career.
   • The role of part-time jobs and gradual changes in building a sustainable business.

5. Systems and Personal Growth:

   • How effective systems and self-reflection are critical to achieving long-term goals.
   • The interplay between faith, vision, and practical steps in creating a successful business.

6. Real-life Examples and Client Success Stories:

   • Nils shares examples of clients who have successfully navigated transitions by staying true to their vision and values.
   • The impact of choosing love over fear in business decisions.

Conclusion: The episode wraps up with Nils providing practical advice on maintaining authenticity and staying committed to one's vision. The hosts reflect on the importance of continuous personal growth and setting boundaries to achieve professional and personal success.

Cynthia & I sit down with Allyne Agrest, the founder of Amazing Estate Sales in Vernon Hills, Illinois. Starting during the COVID-19 pandemic to becoming a successful estate sales entrepreneur, Allyne shares her journey of building a thriving business that works for buyers, sellers, and herself.

Discover her unique approach to estate sales, including clever marketing strategies, her knack for emotional intelligence, and her practical systems that keep everything running smoothly. Allyne also reveals her favorite incentive program—giving away the estate's liquor with a minimum purchase of $100.00. This innovative program helps the estate clear unsellable items, boosts Allyne's profits, and provides buyers with added value.

Allyne tells a positive story in an era where it's way too easy to be cynical or unethical.

Cynthia & I interview Chandra Spary-Kontinos, the founder of Card Systems. She has over 30 years of experience in the merchant service industry. Her extensive background includes involvement in the RSPA, ETA and Dress for Success for southwest Florida.

Main Discussion Points:

1. Evolution of Payment Systems:

   • Transition from manual card imprints to digital transactions has revolutionized payment processing.

2. Efficiency in Payments:

   • Electronic payment systems, including credit cards and ACH, offer improved efficiency and security over traditional methods like checks.

3. Challenges with Payment Costs:

   • The discussion covers the high costs associated with reward credit cards and how they impact small businesses.

4. Surcharging and Dual Pricing:

   • Trends in surcharging and dual pricing help businesses manage transaction fees by passing them onto consumers.

5. Preventing Internal Embezzlement:

   • Vigilance in monitoring employee transactions, implementing strict controls, and regular financial audits are crucial.
   • Modern payment systems that restrict unauthorized refunds and require transaction authorizations can mitigate risks.

6. Legal and Regulatory Landscape:

   • Chandra discusses a class action lawsuit where merchants claimed that Visa and Mastercard charged excessive interchange fees. The settlement offers compensation to affected merchants who register by May 31st, 2024. Contact us to register at no charge to you..

Cynthia & I interview Yami Hu, the founder of Three Legged Coffee Brewing, a craft brewery specializing in all-natural, zero-calorie cold brew coffees. Yami shares her journey from a corporate American to entrepreneurship, sparked by her desire for a more fulfilling professional life. She discusses the challenges and successes she faced while starting her business, including leveraging a Kickstarter campaign to fund the initial stages and planning a unique coffee brewery and taproom in Lindenhurst, Illinois.

Key points from the interview include:

• Yami’s transition from a long career in corporate America to starting her own business.
• The inspiration behind the name "Three Legged Brewing" comes from her three-legged dog, Mogwai, who became the company's mascot.
• The benefits of cold brew coffee and Yami’s passion for the product.
• Her experience on the reality TV show "The Blocks," which focuses on entrepreneurship.
• The use of Kickstarter as a crowdfunding platform to support her business.
• Challenges of competing with major brands like Starbucks and the importance of unique branding and community engagement.
• The strategic decision to open a brick-and-mortar location to increase cash flow and visibility.

Throughout the episode, Yami emphasizes the importance of community support, learning from others, and the mental resilience needed to navigate the highs and lows of entrepreneurship. She also highlights her commitment to creating a multifaceted business that includes both a physical retail presence and distribution of her products.

Cynthia & I interview Michelle McCorry, MS CMR, a pioneer in health sharing plans offers a new perspective on healthcare solutions in America. As we dive into the limitations of traditional health insurance, Michelle illustrates how alternative models can provide effective, affordable care. With the U.S. health system facing critical scrutiny—ranking below many other nations despite high spending—this episode sheds light on innovative strategies that could reshape healthcare. Tune in to discover how we can achieve better health outcomes without breaking the bank.

Stats we cite in the episode:

• The American system is the only private one in the world. 27M are uninsured (9%).https://en.wikipedia.org/wiki/Health_insurance_coverage_in_the_United_States

• If we follow the Legatum Prosperity Index, the US ranks 68th in outcomes with Singapore #1.https://en.wikipedia.org/wiki/Legatum_Prosperity_Index

• According to the Peterson Center on Healthcare Foundation, a non-profit non-partisan, we spend $12,914 per capita and have a life expectancy of 76.1 years.

• Meanwhile, Japan is 84.5 years and spends $4,666.Source: https://tinyurl.com/3vh9zyh8

Cynthia & I talk to George Schwabe and Paul Katz, two renowned figures known for their innovative approaches to financial security and risk management. George and Paul share their expertise on evaluating estates and explore a variety of financial instruments beyond life insurance, such as annuities, and why they might be a better fit—or not—for your financial strategy.

The best part of the show is listening to Paul's no-nonsense approach as he likens himself to our favorite curmudgeon. However, there is a balance between trust, likability and getting honesty when addressing these important topics. Paul & George discuss their approach on how this is accomplished.

I interview Carlos Pelaez, a commercial real estate agent working at Baron Commercial Real Estate in Stuart, Florida.

Carlos shares his story of his family emigrating from Cuba after Castro nationalized their land, and they had to start over in the US. After working as a prosecutor in Orlando, Carlos wanted to change careers to earn more money after getting saddled with debt from law school.

Carols shares what works during his career selling timeshares, residential and commercial real estate in the Florida market. Actually, those skills transcend geography if you want to get into selling real estate or sales in general.

He uses his skills to overcome the fear of rejection to pitch President Trump in person at Marl-A-Lago. Find out what happens next. (Spoiler Alert: The Secret Service gets involved)