Money & You with Michelle Perkins

Ep 243: From Self-Doubt to Abundance: Believe You Deserve It

12.10.2026 • 16:17

Ep 242: Drama-Free Finances: Taking Control of Your Money with Brooke Dean

5.10.2026 • 44:21

Ep 241: Can You Afford to Retire? Start With This Number

29.9.2026 • 47:37

Is Your Business Creating Freedom—or Just Giving You a More Demanding Job? A Conversation with Young HanWhat if the real measure of business success isn’t how much revenue you generate, but whether your business can operate and grow without depending on you for everything?In this episode of Money and You, Michelle talks with entrepreneur, investor, and business operator Young Han, who is on a five-year sprint to own 20 cash-flowing businesses. He currently operates 14 companies, including a fractional CFO and COO firm, Blue Ocean Pool Service, a Blooming Blinds franchise, and Owners Club, a community for small business owners.Young’s long-term vision extends beyond building his own portfolio. Inspired by his father’s experience as an immigrant small-business owner, Young wants to help more people use business ownership as a path into the middle class—and create greater financial stability, opportunity, and freedom for themselves and their families.Young shares the failures, experiments, and career changes that led him to small-business ownership. After attempting to build wealth through approaches including individual stocks, cryptocurrency, real estate, and angel investing, he recognized that his strongest skills were in operating and growing businesses.That realization eventually led him to develop and test an operating system designed specifically for small businesses working toward their first $1 million or $2 million in annual revenue.In This Episode, You’ll Learn:Why Young believes small-business ownership can help rebuild the American middle classWhy failure needs to be treated as a normal part of entrepreneurshipThe surprising difference between succeeding in a corporate job and succeeding as an entrepreneurWhy early-stage business owners need to become “great at being good”How expertise can become a limitation when an owner tries to do everything personallyWhere Young sees opportunities in trades, home services, and other essential businessesWhy Young initially built businesses instead of acquiring existing onesWhy the first $1 million in revenue can be such an important milestoneWhy operating systems need to be introduced earlier in a company’s developmentWhat the “absence test” reveals about whether you own a business or a jobWhy discipline is often more important than extraordinary talentGetting Comfortable With Being “Good Enough”One of Young’s most interesting observations is that the skills rewarded in corporate life can sometimes make entrepreneurship more difficult.In a corporate role, people often advance by developing deeper expertise in a particular area. An early-stage business owner, however, may need to shift constantly among marketing, sales, operations, hiring, finances, and customer service.Young describes his process as a spiral staircase of “good enoughs.” You establish a workable product, move to marketing, improve sales, address hiring, and then return to each area as the business grows. Over time, those layers can develop into excellence.Why Essential Businesses May Offer Growing OpportunitiesYoung believes trades, home services, manufacturing, and other needed, basic businesses offer meaningful opportunities today.Consumers need reliable painters, plumbers, electricians, pool-service providers, cleaners, gardeners, carpenters, welders, and other skilled workers. In many areas, simply answering the phone, communicating clearly, arriving when promised, and thanking customers can distinguish a company from its competitors.Although artificial intelligence may eventually affect nearly every industry, Young believes hands-on service businesses may be less immediately vulnerable than many white-collar roles.These businesses may not always appear glamorous, but they can provide essential services, create jobs, generate dependable cash flow, and give skilled workers a pathway to ownership.The Importance of Reaching the First $1 MillionYoung’s operating system focuses on helping businesses progress toward their first $1 million to $2 million in annual revenue.Before reaching that level, many owners remain trapped in a cycle of selling the work and then personally delivering it. They may be too busy to build systems but lack the cash flow to hire the people who could relieve their workload.Revenue alone, however, is not Young’s ultimate goal. A large company that cannot function without its owner may provide less freedom than a smaller, well-run company with strong systems and capable leadership.Do You Own a Business—or a Job?Young uses two questions to evaluate true business ownership:Can the business operate without you?Can the business grow without you?If every important decision, sale, customer relationship, or operational task still depends on the owner, that person may have created a highly demanding job with greater risk rather than a transferable business.Young refers to this as the “absence test.” The goal isn’t necessarily to leave the company completely. It is to create the choice to step away—or to participate only in the parts of the business you genuinely enjoy.About Young HanYoung Han is an entrepreneur, investor, and business operator on a five-year sprint to own 20 cash-flowing businesses.He currently operates 14 companies and hosts the Girl Dad Show, a podcast about building companies without disappearing from the family you are building them for.Connect With YoungOwners Club: owners.clubOwners Club offers a free community for small-business owners, including networking opportunities, expert-led classes, and live coaching sessions.Young also offers a self-guided course introducing his small-business operating system, individual implementation support, and fractional CFO and COO services for larger companies.Connect With MichelleDo you have a money or career question you’ve been hesitant to ask?Schedule a free virtual coffee chat with Michelle—a casual, no-pressure, 20-minute conversation where you can bring one question or situation you’re wrestling with and talk it through.Learn more and schedule your conversation: limitfreelife.comYou can also find Money and You on the Limit Free Life YouTube channel and your favorite podcast platforms.If you enjoyed this conversation, please subscribe, rate, and review the show. It helps more people discover these conversations and allows us to continue bringing thoughtful guests and practical financial education to you.This episode is for educational purposes only and should not be considered individualized financial, investment, tax, or legal advice.Subscribe to the “Money & You With Michelle Perkins” Podcast: https://podcasts.apple.com/us/podcast/money-you-with-michelle-perkins/id1365907575Please 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 & Newsletter:https://limitfreelife.com/newsletter/https://substack.com/@livealimitfreelifeLearn more about Michelle Perkins & Limit Free Life®:https://limitfreelife.com Have a money or career question? Book a free virtual coffee chat with Michelle:https://limitfreelife.com/booking/?utm_source=chatgpt.com Instagram: @livealimitfreelife YouTube: The Limit Free Life Channelhttps://www.youtube.com/@michelleperkins-limitfreel2446The content shared on Money & You is for informational and educational purposes only and does not constitut

9.9.2026 • 53:59

What Does Your Retirement Really Need to Look Like? A Conversation with John LinkRetirement planning is about much more than choosing investments or pursuing the highest possible return. It’s about understanding how all the pieces of your financial life work together—and making decisions based on the life you actually want to live.In this episode of Money and You, Michelle talks with John Link, president of Link Financial and Link Wealth Management and author of The Importance of Everything.John helps individuals who are approaching or living in retirement turn their savings into sustainable income plans. His approach emphasizes education, transparency, thoughtful conversations, and planning around the individual—not simply around a portfolio.John shares his unexpected career transition from the grocery business into financial services and explains how the lessons he learned managing stores, employees, and extremely narrow profit margins continue to influence his work today. One of the most important was what he calls “four-wall responsibility”: taking ownership of everything happening within your area of responsibility.That same principle applies to money. Avoiding a financial decision is still a decision, and understanding what you have—even when the news isn’t perfect—allows you to begin making thoughtful choices.Michelle and John also discuss why retirement decisions cannot be made through generic rules. Advice about Social Security, taxes, retirement accounts, inheritances, and investment strategies must be considered in the context of a person’s health, family, goals, income needs, and overall financial situation.In This Episode, You’ll Learn:- Why retirement planning is about more than investment returns- Why personal responsibility is an important part of financial well-being- How the financial industry can make people feel unnecessarily intimidated- Why there are no “dumb questions” when discussing your money- How your retirement vision affects the amount of income you will need- Why it may make sense to spend more during your early “go-go” retirement years- How lifelong money habits can follow you into retirement- How family meetings can make estate planning easier for everyone- Why treating beneficiaries fairly doesn’t always mean giving them identical assets- The difference between the economy and the stock market- How “buckets of money” can support short-, medium-, and long-term needs- The importance of looking beyond your workplace retirement accountPlanning for the Life You WantOne of the most important retirement questions has nothing to do with the market:What do you actually want your retirement to look like?Some people want to travel extensively. Others want to remain comfortably at home, help their children, support charitable causes, or leave a meaningful inheritance.John explains that retirement spending often changes over time. The early years may be the best opportunity for travel and other physically active experiences. These are sometimes called the “go-go years,” followed by the “slow-go” and “no-go” years.By creating a thoughtful income and expense plan, people may discover that they can afford to enjoy more of their money while they have the health and desire to do so.Why Family Financial Conversations MatterFinancial planning also includes preparing the people you love.John encourages families to talk openly about estate plans, healthcare directives, responsibilities, inheritance expectations, and where important information can be found. These conversations may feel uncomfortable, but they can prevent confusion, resentment, and additional distress during an already emotional time.Creating Different Buckets for Different NeedsRather than treating every dollar the same way, John discusses creating separate “buckets of money” for different time periods and purposes.Money needed for today’s expenses should not necessarily be handled the same way as money that may not be needed for another five, ten, or twenty years. Separating immediate spending, future income, and longer-term growth can help people avoid relying on volatile investments for current living expenses.Taxes also need to be considered. The amount shown in a tax-deferred retirement account is not necessarily the amount available to spend because taxes may be owed when the money is withdrawn.This is why retirement planning involves not only asset allocation—how money is invested—but also asset location, or where different types of investments are held.About John LinkJohn Link is president of Link Financial and Link Wealth Management and a fiduciary investment advisor representative with Royal Fund Management.Before entering financial services, John spent 23 years in the grocery industry, becoming the youngest store manager in his company at age 23 and eventually managing millions of dollars in revenue and hundreds of employees.For more than three decades, he has helped individuals approaching or living in retirement create sustainable lifelong income plans. His philosophy is that retirement planning should put people ahead of portfolios and emphasize transparency, education, and individual needs.John is also the author of The Importance of Everything.Connect With JohnWebsite: https://johnlinkcompanies.com/Book: The Importance of Everything, available on AmazonConnect With MichelleDo you have a money or career question you’ve been hesitant to ask?Schedule a free virtual coffee chat with Michelle—a casual, no-pressure, 20-minute conversation where you can bring one question or situation you’re wrestling with and talk it through.Learn more and schedule your conversation: https://limitfreelife.com/You can also find Money and You on the Limit Free Life YouTube channel and your favorite podcast platforms.If you enjoyed this conversation, please subscribe, rate, and review the show. It helps more people discover these conversations and allows us to continue bringing thoughtful guests and practical financial education to you.This episode is for educational purposes only and should not be considered individualized financial, investment, tax, or legal advice.Subscribe to the “Money & You With Michelle Perkins” Podcast: https://podcasts.apple.com/us/podcast/money-you-with-michelle-perkins/id1365907575Please 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 & Newsletter:https://limitfreelife.com/newsletter/https://substack.com/@livealimitfreelifeLearn more aboutMichelle Perkins & Limit Free Life®:https://limitfreelife.com/ Have a money or career question? Book a free virtual coffee chat with Michelle:https://limitfreelife.com/booking/?utm_source=chatgpt.com Instagram: @livealimitfreelife YouTube: The Limit Free Life Channelhttps://www.youtube.com/@michelleperkins-limitfreel2446John Link is an Investment Adviser Representative with Royal Fund Management, LLC, an SEC Registered Investment Adviser. This content is for informational purposes only and does not constitute personalized financial advice. Full disclosures will be provided at the end of this video. Advisory services are offered through Royal Fund Management, LLC, Link Wealth Mgmt. Royal Fund Management LLC is registered as an investment adviser with the SEC and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. SEC registration does not constitute an endorsement of the firm by the Commission, nor does it indicate that the adviser has attained a particular level of skill or ability. Insurance products offered through (Link Financial). Insurance guarantees are subject to the claims-paying ability of the issuing company. The adviser is paid commissions on the sale of insurance products.Information presented does not involve the rendering of personalized investment advice but is limited to the dissemination of general information on products and services. The information should not be construed as an offer to buy or sell or a solicitation of any offer to buy or sell securities mentioned here. This presentation should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the advisor as of the date of the presentation and are subject to change. Past performance may not be indicative of future results; therefore, no current prospective client should assume that the future p

31.8.2026 • 47:32

AI has changed the job search—and knowing how to use ChatGPT is no longer enough.In this episode of Money and You, I talk with talent acquisition expert Andrea Hoffer, founder of AHA Talent Experts and creator of the AI-powered Dream Hire Engine, about how artificial intelligence is transforming hiring from both sides of the equation.What should job seekers be doing differently? What AI skills are employers actually looking for? Should you customize your resume for every job? And how can you use AI to make yourself more valuable in the work you already do? Andrea brings 30 years of talent acquisition and management experience to this conversation, and her advice for job seekers is especially important: don't just learn AI—learn how to use AI in your profession.If you're between jobs, this can be an incredible opportunity to experiment. Build workflows. Improve a process. Create a tool. Solve a real problem in your field.We also talk about how AI is changing things for employers. Instead of immediately asking, "Can AI replace this employee?" Andrea encourages businesses to start with the outcome they need and determine the right combination of human skills and AI to achieve it.In some cases, AI might even help a good employee overcome a skill gap and become far more effective.The future of work may not be humans versus AI at all.It may be humans plus AI.CHAPTERS00:00 How AI Is Changing the Job Search02:16 What's Different About Hiring Now?04:26 The Unintended Consequences of AI in Hiring06:00 Can Employers Still Trust a Resume?13:24 Do Cover Letters Still Matter?16:30 Why You Should Customize Your Resume18:00 What AI Skills Are Employers Looking For?26:00 Don't Just Learn AI—Use It in Your Profession31:00 How Employers Should Think About AI and Jobs41:00 Where AI Can Save Businesses Time46:51 Can AI Help a Struggling Employee Succeed?47:51 Building Dream Teams With AI + HumansABOUT ANDREA HOFFERAndrea Hoffer is the founder of AHA Talent Experts and creator of the AI-powered Dream Hire Engine. With 30 years of experience in talent acquisition and management, Andrea helps leaders hire, engage, and retain great people while integrating AI into their businesses.Through the Dream Hire Engine, fractional talent acquisition leadership, and AI Quick Wins, Andrea helps businesses rethink how people and AI can work together to create better outcomes.CONNECT WITH ANDREAFind Andrea Hoffer on LinkedIn.https://www.linkedin.com/in/andreahoffer/AHA Talent Experts:www.ahatalentexperts.comFor more tools and conversations about money mindset, practical financial tips, confidence, and financial empowerment…Subscribe to the “Money & You With Michelle Perkins” Podcast: https://podcasts.apple.com/us/podcast/money-you-with-michelle-perkins/id1365907575Please 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 & Newsletter:https://limitfreelife.com/newsletter/https://substack.com/@livealimitfreelifeLearn more about Michelle Perkins & Limit Free Life®:https://limitfreelife.comHave a money or career question? Book a free virtual coffee chat with Michelle:https://limitfreelife.com/booking/?utm_source=chatgpt.comInstagram: @livealimitfreelifeYouTube: The Limit Free Life Channelhttps://www.youtube.com/@michelleperkins-limitfreel2446

17.8.2026 • 52:31

Most of us think of life insurance for one primary purpose: providing a death benefit to the people we leave behind.But what if certain types of life insurance could also play a role in cash flow, debt management, and long-term wealth-building strategies?In this episode of Money & You, Michelle Perkins sits down with financial educator, author, and Financial Literacy Group founder Ron Harris for a conversation about financial literacy, consumer debt, life insurance, and his approach to what he calls hybrid financial arbitrage.Ron explains how his years of studying money and economies around the world shaped his perspective on the American financial system—and why he believes consumers need to understand more about the financial strategies traditionally used by banks, corporations, and wealthy families.The conversation takes a deeper look at Indexed Universal Life (IUL) insurance, cash value, policy loans, overfunding policies, and the ways Ron incorporates life insurance into his approach to debt reduction and wealth building.Michelle and Ron also explore a much broader issue: how little many of us actually know about where our money goes.Because whether you're evaluating an insurance strategy, paying down debt, investing, or simply trying to get ahead, financial progress starts with understanding your own cash flow.In This Episode You'll LearnHow Ron's international experience influenced his views about money and debtWhy he believes Americans need a different relationship with consumer debtThe difference between viewing life insurance primarily as a death benefit and viewing it as a financial assetHow cash value can accumulate within certain permanent life insurance policiesHow policy loans work within the strategy Ron describesHow Ron combines cash-flow technology with life insurance in his hybrid financial arbitrage approachWhy understanding discretionary income is so importantWhy tracking spending often changes financial behaviorHow Ron approaches life insurance differently depending on age, family structure, debt, and financial goalsWhy financial education should come before purchasing any complex financial productKey Moments03:00 – How international travel and studying global economies shaped Ron's financial philosophy04:50 – Consumerism and America's relationship with debt05:25 – Why Ron believes insurance and investing shouldn't always be viewed as completely separate conversations08:00 – How banks and corporations use life insurance11:45 – Understanding cash value and borrowing within a policy15:25 – Age considerations when evaluating permanent life insurance18:35 – A case study illustrating Ron's approach20:55 – Discovering $6,000 a month in unaccounted-for discretionary income27:00 – How Ron's cash-flow technology works35:10 – Why simply seeing where your money goes can change your financial behavior38:20 – Ron's upcoming book, The New American DreamKey TakeawaysKnow where your money is going.One of the most striking examples in the conversation involves a client who appeared to have approximately $6,000 each month in discretionary income but couldn't identify where it was going.Before sophisticated financial strategies come into play, awareness matters.Interest can dramatically increase the real cost of what we buy. Understanding how debt fits into your overall financial picture is an important part of financial literacy.Permanent insurance can involve premiums, cash value, death benefits, policy loans, interest, fees, tax considerations, and specific policy structures. Understanding exactly how a proposed policy works is critical.Don't purchase a financial product simply because someone tells you it's what wealthy people or banks use. Understand how your particular policy works, what it costs, what assumptions are being made, and how it compares with your alternatives.Once you begin tracking your money and understanding your cash flow, it becomes much harder to ignore financial habits that aren't serving you.Questions to Ask Before Considering a Cash-Value Life Insurance StrategyIf you're considering an IUL, whole life policy, or another permanent insurance strategy, ask:What portion of my payment is the actual insurance premium?How much goes toward cash value?What fees and insurance costs will I pay?Which values are guaranteed and which are projections?What interest or index-crediting assumptions are being used?Is there a cap, participation rate, spread, or other limitation on credited returns?What interest rate applies when I borrow against the policy?What happens if I don't repay a policy loan?Could outstanding loans reduce the death benefit?What happens if the policy lapses with a loan outstanding?How would this strategy compare with paying down debt directly and investing separately?What are the tax consequences if the policy becomes a Modified Endowment Contract?How does my age and health affect the cost of insurance?Is this strategy appropriate for my specific financial goals and cash flow?About Ron HarrisRon Harris is an author, financial educator, and founder of Financial Literacy Group LLC. He holds a master's degree in Global Marketing and Communications from the University of Essex in the United Kingdom and has spent more than two decades studying money, credit, debt, and wealth-building strategies across different economies.His work focuses on financial literacy and an approach he calls hybrid financial arbitrage, which combines cash-flow and debt-management technology with specially structured permanent life insurance.Ron is the author of multiple books on financial strategies and retirement, including Hybrid Retirement Arbitrage. His upcoming book, The New American Dream, explores debt, retirement, financial products, fees, insurance, and alternative approaches to building wealth.Resources MentionedFinancial Literacy GroupHybrid Financial ArbitrageIndexed Universal Life (IUL) insuranceBank-Owned Life Insurance (BOLI)Corporate-Owned Life Insurance (COLI)Hybrid Retirement Arbitrage by Ron HarrisThe New American Dream by Ron HarrisRon Harris: financialliteracy.groupA Note for ListenersThis episode discusses a specific financial and life-insurance strategy presented by the guest for educational purposes. Permanent life insurance products can be complex, and results depend heavily on the particular policy, costs, assumptions, funding, loans, tax treatment, and individual circumstances.Before purchasing or restructuring a policy, consider reviewing the actual policy illustration and discussing the strategy with qualified financial, insurance, and tax professionals who can evaluate it in the context of your overall financial plan.Connect with Michelle Perkins & Limit Free Life ®Building financial confidence starts with understanding your money—not avoiding it.For more tools and conversations about money mindset, practical financial tips, confidence, and financial empowerment…Subscribe to the “Money & You With Michelle Perkins” Podcast: https://podcasts.apple.com/us/podcast/money-you-with-michelle-perkins/id1365907575Please 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 & Newsletter:https://limitfreelife.com/newsletter/https://substack.com/@livealimitfreelifeLearn more about Michelle Perkins & Limit Free Life®:https://limitfreelife.com Have a money or career question? Book a free virtual coffee chat with Michelle:https://limitfreelife.com/booking/?utm_source=chatgpt.com Instagram: @livealimitfreelife YouTube: The Limit Free Life Channel

10.8.2026 • 45:45

What If Your Financial Advisor Helped You With More Than Your Investments?Most of us think of financial advisors as people who help us invest, plan for retirement, and grow our wealth. But what if some of the most important financial work has less to do with choosing investments?In this episode of Money and You, Michelle talks with Jonathan Steele, founder and Chief Investment Officer of One Wealth Advisors, about a subject they both believe is fundamental to financial well-being: your relationship with money.Jonathan brings more than 25 years of financial-industry experience to the conversation, but his approach goes far beyond investment management. He believes financial professionals can help clients understand the emotions, beliefs, family dynamics, and behaviors that influence the way they use money.Michelle and Jonathan explore where our money behaviors come from, why financial knowledge alone isn't enough to create good financial outcomes, and how money patterns can travel through families and generations.They also discuss why getting the financial basics right matters, how couples can create healthier conversations around money, the growing risks of online gambling, and why a trusted financial professional can become an invaluable resource during life's biggest transitions.In This Episode, You'll Learn3:20 — From professional cook to financial advisor: Jonathan's unconventional career path and the surprising transferable skills that helped him build a career in finance8:56 — Serving the "working wealthy": Why Jonathan and his brother built their practice around people navigating new wealth, liquidity events, and changing financial circumstances10:36 — What Jonathan means by "financial therapy": Why understanding your emotions and history with money can be just as important as knowing what to do with it13:47 — The financial scaffolding everyone needs: Why simple principles like managing debt and balancing spending, saving, and sharing can create a stronger financial foundation16:22 — How parents can help adult children with money: Why creating an open space for conversation may be more effective than trying to dictate financial decisions19:48 — How money patterns travel through generations: What Jonathan notices when he works with grandparents, parents, and adult children within the same family23:46 — Repairing difficult money relationships: How a trusted third party can sometimes help families unwind years of financial tension26:19 — Social media, spending, and financial temptation: Why knowing yourself matters when you're constantly being encouraged to want, buy, and invest in something new31:49 — Signs your relationship with money may need attention: Fear of investing, holding excessive cash, overspending, and complicated debt can all reveal something deeper32:49 — When one partner handles all the money: How financial disengagement and even financial infidelity can develop—and why bringing both partners back into the conversation matters35:00 — Why financial change often needs to happen gradually: Helping people discover their own blind spots can work better than simply telling them what they're doing wrong42:32 — A broader vision of financial advice: Why investment management, taxes, estate planning, insurance, education planning, and financial behavior shouldn't always operate in separate silos49:05 — Lean on people and resources you trust: Why technology can help, but strong human relationships remain incredibly valuable when you're navigating financial challenges50:55 — Is it ever too late to change your financial life? Jonathan's answer: no. Even when a financial situation feels overwhelming, seeking good advice can reveal options you didn't know you had.The Financial Basics Aren't Exciting—But They MatterOne of the most important themes in this conversation is also one of the least glamorous: the basics matter.Before chasing the newest investment, financial product, or idea you heard about online, Jonathan recommends creating what he calls financial "scaffolding."That includes understanding debt, spending less than you earn, saving consistently, investing appropriately, and knowing what you're trying to accomplish with your money.Jonathan also shares a simple framework he encourages families to introduce even to young children: spend, save, and share.These principles may not generate the excitement of the latest investing trend, but they're what give you a foundation from which to build real wealth.Your Money Story Didn't Start With YouOne of the most interesting parts of Michelle and Jonathan's conversation is their discussion of how financial behavior travels through families.Fear, scarcity, overspending, avoidance, secrecy, and even extreme frugality don't necessarily begin with the person exhibiting them.Our experiences growing up—what we heard, observed, worried about, or weren't allowed to discuss—can become part of our financial behavior as adults.And those patterns can continue into another generation.Jonathan has the unusual opportunity to see this firsthand because his firm often works with multiple generations of the same family. Sometimes he can see a financial belief or behavior appear in grandparents, parents, and children in different ways.The solution doesn't necessarily begin with teaching everyone more about investing.Sometimes it begins with something much simpler:Talking about money.When Couples Don't Talk About MoneyMaybe one partner starts paying the bills. Then that person handles the investments. Then they become the one who speaks to the financial advisor.Eventually, the other partner may barely know what's happening.Jonathan believes bringing both people back into the financial conversation—even briefly—can be an important step toward creating a healthier financial relationship.And sometimes the financial advisor can serve as an impartial third party who helps couples have conversations they've been avoiding.For Jonathan, helping two people who care about each other communicate better about money can ultimately be more meaningful than simply generating a higher investment return.Your Financial Life Needs a TeamJonathan also challenges the traditional idea of a financial advisor as primarily an investment manager.Taxes, investments, insurance, estate planning, family dynamics, retirement, inheritance, and major life transitions frequently overlap. Yet the professionals advising us in these areas may operate independently.That can leave you responsible for figuring out how everything fits together—often at exactly the moment you're least equipped to do it.Jonathan believes a good advisor can help coordinate these moving pieces, bringing in specialists when needed while maintaining a broader view of the client's financial life.That becomes especially valuable during difficult transitions such as the death of a parent.His suggestion is one worth considering before you ever need it: Who are the trusted people you would want around you when you're making important financial decisious during an emotionally difficult time?Think of them as your personal board of directors.About Jonathan SteeleJonathan Steele is the founder and Chief Investment Officer of One Wealth Advisors, an SEC-registered investment advisory firm managing approximately $1.3 billion in assets at the time of this conversation.A Chartered Financial Analyst (CFA) with more than 25 years of experience in financial services, Jonathan began his finance career at Bear Stearns and later became an executive director at JPMorgan.His approach to wealth management combines traditional financial expertise with a strong emphasis on helping clients develop healthier relationships with money.Jonathan works with individuals and multigenerational families not only on investment strategy, but also on the financial behaviors, conversations, decisions, and life transitions surrounding their wealth.Resources & LinksConnect with Jonathan Steele:One Wealth Advisors — onewealth.netVisit the website and use the information/contact button to connect with Jonathan's team.Connect with Michelle:Limit Free Life — limitfreelife.comEmail: michelle@limitfreelife.comAnd if you have a money or career question you've been avoiding, visit Limit Free Life to book a free 20-minute Virtual Coffee Chat with Michelle.One Big TakeawayFinancial well-being isn't simply about growing your money. It's about creating a relationship with money that supports the life and relationships you want to have.For more tools and conversations about money mindset, practical financial tips, confidence, and financial empowerment…Subscribe to the “Money & You With Michelle Perkins” Podcast: 

4.8.2026 • 53:10

When most people think about franchising, they picture buying a restaurant or retail location. But what if a franchise could be something much bigger—a strategic business investment, a career transition, or even another asset in your overall wealth-building plan?In this episode of Money and You, Michelle talks with franchise consultant, multi-unit owner, and former franchise CEO Scott Jones, who brings more than 30 years of experience across virtually every side of the franchise industry.Scott offers a different way to think about franchising: instead of starting with What kind of business would I enjoy owning?, start by asking What do I want this business to do for my life and my financial future?Together, Michelle and Scott explore how to evaluate a franchise, why due diligence matters so much, what good franchise systems provide, how much capital you may actually need, and why your emotions around money can influence even the most sophisticated business decisions.They also discuss how franchising can move beyond simply owning one small business and become a strategy for building significant enterprise value.In This Episode, You'll LearnWhy Scott views franchising through the lens of return on investment and return on timeThe key differences between starting a business from scratch and buying a franchiseWhy there may be no such thing as a truly "absentee" franchise—especially in the beginningWhy choosing a franchise based solely on an industry you're passionate about can lead you in the wrong directionHow to define the goals and objectives your business actually needs to meet before looking at opportunitiesWhy your existing leadership, sales, management, operations, or project-management skills may matter more than previous industry experienceWhat strong franchisors look for in prospective franchise ownersHow fear and anxiety can change when you're investing your own moneyWhy a larger initial investment doesn't necessarily mean a greater financial returnWhy falling in love with an opportunity is the beginning of the process, not the endWhy Scott believes franchising can be viewed as a financial asset classHow multi-unit ownership, territory expansion, multiple brands, and private equity can create opportunities to scaleA Different Way to Evaluate a FranchiseOne of Scott's most important recommendations is to resist beginning your search with the type of business you think you'd like to own.Instead, get clear about what you want the business to accomplish.What are your short-term goals? Your long-term financial goals? How involved do you want to be? What kind of lifestyle are you trying to create? What skills do you already have that could give you an advantage?Once those questions are answered, you have a much better framework for evaluating whether a particular opportunity actually fits.And when you find something that looks exciting, Scott's advice is simple:Now prove it.Research the company. Talk to existing franchisees. Understand the economics. Evaluate the leadership. Study the systems and support. Find out how long other owners took to open, reach breakeven, and achieve important financial milestones.The goal isn't simply to find an exciting opportunity. It's to determine whether the opportunity can realistically support the life and financial outcomes you're trying to create.Money, Emotion, and Business OwnershipMichelle and Scott also discuss something that doesn't get enough attention in conversations about entrepreneurship: what happens emotionally when it's your own money on the line.Someone may be perfectly comfortable overseeing multimillion- or even billion-dollar decisions inside a corporation, yet feel very differently when investing a much smaller amount of their personal capital.Scott's advice is to bring the same discipline to your own financial decisions that you would bring to a major decision for your employer.Slow down. Do the analysis. Understand your assumptions. Recognize your biases. And don't allow excitement—or fear—to substitute for due diligence.About Scott JonesScott Jones is a franchise consultant, multi-unit franchise owner, former franchise executive, and longtime advisor with more than 30 years of experience in franchising.His experience spans the industry: franchisee, franchisor, supplier, consultant, and advisor. He has worked with first-time business owners, experienced executives, successful entrepreneurs, and institutional investors to evaluate franchise opportunities and determine how business ownership may fit into their broader goals.Scott helps prospective owners identify opportunities based not simply on the industry or concept that initially attracts them, but on their goals, skills, desired lifestyle, financial objectives, and potential return on both capital and time.Resources & LinksConnect with Scott Jones:Franchise Guide Group — franchiseguidegroup.comEmail: Scott at franchiseguidegroup.comScott can also be found on LinkedIn.Scott also created a special resource for Money and Youlisteners that includes an assessment and white paper. [Add special landing-page URL here.]Connect with Michelle:Limit Free Life — limitfreelife.comEmail: michelle@limitfreelife.comAnd if you have a money or career question you've been avoiding, visit Limit Free Life to book a free 20-minute Virtual Coffee Chat with Michelle.One Big TakeawayFranchising doesn't have to be viewed simply as buying yourself a job or pursuing a business you're passionate about.It can be evaluated like any other significant financial decision: What am I investing? What am I getting in return? What risks am I taking? How does this fit my life? And does this opportunity give me the best chance of achieving the outcome I actually want?For more tools and conversations about money mindset, practical financial tips, confidence, and financial empowerment…Subscribe to the “Money & You With Michelle Perkins” Podcast: https://podcasts.apple.com/us/podcast/money-you-with-michelle-perkins/id1365907575Please 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 & Newsletter:https://limitfreelife.com/newsletter/Learn more about Michelle Perkins & Limit Free Life®:https://limitfreelife.com Have a money or career question? Book a free virtual coffee chat with Michelle:https://limitfreelife.com/booking/?utm_source=chatgpt.com Instagram: @livealimitfreelife YouTube: The Limit Free Life Channelhttps://www.youtube.com/@michelleperkins-limitfreel2446

27.7.2026 • 49:43

Why financial knowledge isn't always enoughMany people already know what they "should" do with money, yet still struggle to save, invest, or build wealth. Michelle explains why subconscious programming often overrides conscious knowledge.How your money beliefs are formedDiscover how experiences in early childhood create the neural pathways that influence:Self-worthFinancial confidenceRisk toleranceSpending habitsReceiving moneyAsking for what you wantUnderstanding neuroplasticityMichelle explains how the brain can literally be rewired and why many limiting beliefs are not permanent—even if they've been running your entire life.Why money mindset goes deeper than positive thinkingAffirmations and positive thinking can help, but they often don't address the deeper subconscious programming driving our financial behaviors.Your relationship with moneyThe discussion explores a powerful question:If money were a person, what kind of relationship would you have with it?Many people unconsciously treat money with fear, avoidance, resentment, or even guilt—patterns that can affect financial outcomes in surprising ways.Abundance begins with worthinessOne of the strongest themes throughout the conversation is that financial success is closely connected to our sense of worth.When we believe we're worthy of receiving, opportunities often become easier to recognize and act upon.Key TakeawaysMost core money beliefs are formed before age six.Your subconscious drives many financial decisions without your awareness.Financial avoidance is often rooted in fear—not laziness.You don't have to fully understand neuroscience to begin changing your patterns.Clarity about what you truly want is one of the most powerful catalysts for change.Inspired action becomes much easier once subconscious resistance is reduced.Financial freedom starts with awareness—not perfection.Memorable Quotes"Most people are trying to change subconscious patterns with conscious thought.""Your beliefs organize your reality.""When you remove the old stories, money shows up as the energy of blessings.""There's no destination you have to reach before you're worthy."Resources MentionedBook: Wired for Money: Change the Patterns That Block You from ThrivingMichelle Masters' workshops and online programs Neuroscience and neuroplasticityFamily Constellation workNLP (Neuro-Linguistic Programming)About Michelle MastersMichelle Masters is an international instructor, coach, and speaker specializing in neuroscience-based transformation, Neuro-Linguistic Programming (NLP), Family Constellation work, and personal development. For nearly three decades she has helped clients identify and transform the subconscious beliefs that keep them from thriving in every area of life—including money, relationships, and self-worth. She is the author of Wired for Money, where she combines practical exercises with neuroscience to help readers permanently change limiting financial patterns. Connect with Michelle MastersWebsite: Wired for Magic - https://wiredformagic.comBook: Wired for Money: Change the Patterns That Block You from ThrivingOnline Program: Money MagicConnect with Michelle PerkinsIf you enjoyed this episode, be sure to:Subscribe to Money & You on your favorite podcast platform.Watch full episodes on the Limit Free Life® YouTube Channel.Share this episode with someone who may be struggling with financial fear, self-worth, or limiting money beliefs.Leave a rating and review—it helps more people discover the show.Listener ChallengeTake a few quiet moments this week and ask yourself:What did I learn about money growing up?What beliefs do I still carry today?Are those beliefs helping me—or holding me back?Awareness is the first step toward creating a healthier relationship with money and building a more abundant future.For more tools and conversations about money mindset, practical financial tips, confidence, and financial empowerment…Subscribe to the “Money & You With Michelle Perkins” Podcast: https://podcasts.apple.com/us/podcast/money-you-with-michelle-perkins/id1365907575Please 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 & Newsletter:https://limitfreelife.com/newsletter/Learn more about Michelle Perkins & Limit Free Life®:https://limitfreelife.com Have a money or career question? Book a free virtual coffee chat with Michelle:https://limitfreelife.com/booking/?utm_source=chatgpt.com Instagram:@livealimitfreelife YouTube: The Limit Free Life Channelhttps://www.youtube.com/@michelleperkins-limitfreel2446

20.7.2026 • 53:39

Money isn't just about spreadsheets, investment returns, or retirement projections. At its core, it's about creating a life that aligns with your deepest values.In this thoughtful conversation, Michelle Perkins sits down with Laura Rotter CFA,  CFP, owner of True Abundance Advisors and host of the Making Change with Your Money podcast, to explore the powerful connection between financial planning, life purpose, and personal fulfillment. With nearly three decades of experience managing institutional investments before transitioning to holistic financial planning, Laura shares how true financial well-being begins with understanding yourself—not just your portfolio. Whether you're approaching retirement, considering a career change, or simply wondering if your money is supporting the life you truly want, this episode offers a refreshing perspective on what financial success really means.In This EpisodeWhy financial planning is really about your life—not your investmentsLaura explains why numbers alone never tell the whole story. Effective financial planning begins by understanding your goals, values, fears, and vision for the future.The surprising power of clarityMany people feel financial stress simply because they don't have a clear picture of where their money is going. Gaining clarity often reduces anxiety before making any major financial changes.Retirement isn't the finish lineInstead of viewing retirement as simply leaving work, Laura encourages listeners to think about:PurposeMeaningContributionFreedomCreating a life they don't want to retire fromAsking the questions that matterLaura shares several thought-provoking questions she uses with clients, including:If money were no object, what would you change?If you had five years left to live, what would matter most?If today were your last day, who did you not become?These questions often uncover dreams and priorities people haven't allowed themselves to consider.Financial freedom vs. retirementThe conversation explores why many people today are shifting away from the traditional idea of retirement and toward the concept of financial freedom—having the ability to choose how you spend your time.Identity shifts and career transitionsBoth Michelle and Laura discuss leaving successful corporate careers to build businesses that better aligned with their values, and the unexpected challenges that come with redefining success.Key TakeawaysFinancial planning should support your life—not dictate it.Many financial decisions are driven by fear rather than facts.Clarity creates confidence.Retirement without purpose can leave people feeling unfulfilled.Financial freedom is about having choices.Building wealth is important, but building a meaningful life is equally valuable.Sometimes the most powerful thing a financial advisor can offer is simply the space to be heard.Memorable Quotes"The numbers are the scaffolding. The story is what's most important.""Money is emotional. We're not trying to eliminate emotions—we're trying to understand them.""No one is on their deathbed wishing they'd completed more of their to-do list.""Financial freedom is about creating a life you genuinely want to live."Topics DiscussedFinancial planningRetirement planningCareer transitionsPurpose after retirementMoney mindsetFinancial coachingValues-based investingLife planningEntrepreneurshipFinancial independenceEmotional relationship with moneyAbout Laura RotterLaura Rotter is a CFA®, Certified Exit Planning Advisor (CEPA), financial planner, and founder of True Abundance Advisors, a fee-only fiduciary financial planning firm based in New York. After a successful career managing institutional investments for major financial firms, Laura shifted her focus toward helping individuals navigate financial transitions with greater clarity, confidence, and purpose.She is also the host of the Making Change with Your Money podcast, where she explores the intersection of money, personal growth, and meaningful living. Connect with Laura RotterWebsite: True Abundance Advisors - trueabundanceadvisors.comPodcast: Making Change with Your Money - https://podcasts.apple.com/us/podcast/making-change-with-your-money/id1668418292Connect with Michelle PerkinsIf you enjoyed this conversation:Subscribe to Money & You on your favorite podcast platform.Watch full episodes on the Limit Free Life® YouTube Channel.Share this episode with someone preparing for retirement, considering a career transition, or looking for a more meaningful relationship with money.Leave a rating and review—it helps others discover the show.Listener ReflectionTake a few quiet moments this week to consider these questions:If financial security were guaranteed, how would I spend my time?Am I building a life that aligns with my values—or someone else's expectations?What does true abundance look like for me?Sometimes the greatest financial investment you can make is gaining clarity about the life you're truly trying to create.For more tools and conversations about money mindset, practical financial tips, confidence, and financial empowerment…Subscribe to the “Money & You With Michelle Perkins” Podcast: https://podcasts.apple.com/us/podcast/money-you-with-michelle-perkins/id1365907575Please 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 & Newsletter:https://limitfreelife.com/newsletterLearn more about Michelle Perkins & Limit Free Life®:https://limitfreelife.com Have a money or career question? Book a free virtual coffee chat with Michelle:https://limitfreelife.com/booking/?utm_source=chatgpt.com Instagram:@livealimitfreelife YouTube: The Limit Free Life Channelhttps://www.youtube.com/@michelleperkins-limitfreel2446

14.7.2026 • 52:14

Ep. 232 When Good Investments Go Bad: The Lessons No One Talks AboutReal Estate Investing Lessons: What I Wish I Had Known Before My Biggest InvestmentReal estate investing is often portrayed as one of the best ways to build wealth—but what happens when a project doesn't go according to plan?In this honest and deeply personal solo episode, Michelle Perkins shares the story of a three-year real estate investment that ultimately resulted in a financial loss. More importantly, she reflects on the invaluable lessons she learned about investing, partnerships, decision-making, trust, and knowing when it's time to let go. Whether you're investing in real estate, starting a business, or making any significant financial decision, this episode offers practical wisdom about balancing financial logic with personal values—and recognizing that sometimes the greatest return comes from the lessons learned.In This EpisodeWhy walking away isn't always failureMichelle shares why she ultimately decided to sell the property at a loss, despite the possibility that holding it longer could eventually have produced a profit.Sometimes preserving your peace of mind is worth more than maximizing every financial opportunity.Financial decisions aren't always mathematicalWhile spreadsheets may suggest one answer, life circumstances, emotional energy, risk tolerance, and personal priorities all deserve a place in major financial decisions.Trust the process—but verify the peopleOne of the biggest lessons from the project was learning that trust should never replace sound business practices.No matter how well you know someone:Get agreements in writing.Establish clear decision-making processes.Document budgets and changes.Treat every investment like a business.Why partnerships require difficult conversationsSuccessful partnerships don't happen because everyone gets along.They happen because expectations, responsibilities, and conflict-resolution processes are discussed before problems arise.Listen to your intuitionThroughout the project, Michelle experienced moments when something didn't feel quite right—but chose to defer to others with more experience.Looking back, she recognizes that those instincts deserved more attention.Be actively involvedOne of the strongest lessons:Don't assume someone else is watching every detail.Whether it's a renovation, investment, or business venture:Ask questions.Visit the project.Stay informed.Understand what's happening yourself.Key TakeawaysEvery investment carries uncertainty.There isn't always one "right" financial decision.Acceptance is an important part of investing.Good documentation protects everyone.Partnerships require communication—not assumptions.Your intuition deserves a seat at the table alongside financial analysis.Sometimes the greatest investment is the education you gain.Memorable Quotes"Sometimes you simply have to accept the loss.""There isn't always a right or wrong decision—there's simply your decision.""Trust the process, but don't assume everyone will make the same decisions you would.""Responsibility is more important than simply staying positive."Lessons for Real Estate InvestorsMichelle's biggest recommendations include:Treat every investment as a business.Create written agreements before work begins.Define how decisions will be made.Monitor budgets closely.Spend time at the project site.Ask lots of questions.Talk to multiple experts—not just one.Stay connected to your original investment goals.Remember that markets, timelines, and circumstances change.Topics DiscussedReal estate investingProperty renovationInvestment partnershipsRisk managementDecision-makingTrust and accountabilityMoney mindsetFinancial acceptanceEntrepreneurial lessonsLearning from financial setbacksResources MentionedMichelle references previous Money & You episodes featuring experienced real estate investors and encourages listeners interested in investing to explore those expert interviews for additional education and perspective: Episode 197 with Joel Miller, Episode 182 with Laura Pozarny, Episode 176 with Janine Mix, Episode 160 with Jennifer Beeston.She also invites listeners to schedule a complimentary Virtual Coffee Chat through the Limit Free Life website to discuss financial questions or major money decisions. Connect with Michelle PerkinsIf this episode resonated with you:Subscribe to Money & You on your favorite podcast platform.Watch full episodes on the Limit Free Life® YouTube Channel.Share this episode with someone considering a real estate investment or business partnership.Leave a rating and review—it helps more people discover the show.Listener ReflectionBefore making your next major financial decision, ask yourself:Have I clearly defined my ultimate goal?Am I making this decision based on my values—or someone else's expectations?Have I asked enough questions?Have I balanced trust with appropriate business safeguards?If circumstances change, am I willing to adjust my plan without viewing it as failure?Sometimes the most valuable return on an investment isn't measured in dollars—it's measured in wisdom, confidence, and the decisions you'll make differently the next time.For more tools and conversations about money mindset, practical financial tips, confidence, and financial empowerment…Subscribe to the “Money & You With Michelle Perkins” Podcast: https://podcasts.apple.com/us/podcast/money-you-with-michelle-perkins/id1365907575Please 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 & Newsletter:https://limitfreelife.com/newsletter/Learn more about Michelle Perkins & Limit Free Life®:https://limitfreelife.com Have a money or career question? Book a free virtual coffee chat with Michelle:https://limitfreelife.com/booking/?utm_source=chatgpt.com Instagram:@livealimitfreelife YouTube: The Limit Free Life Channelhttps://www.youtube.com/@michelleperkins-limitfreel2446

6.7.2026 • 27:20

Why is talking about money so difficult?For many people, it isn't about math—it’s about fear, shame, childhood beliefs, trauma, trust, and communication.In this powerful episode of Money and You, Michelle Perkins sits down with licensed clinical social worker, psychotherapist, and mental health advocate Bonnie Russo to explore the emotional side of money and why so many intelligent, capable people avoid financial conversations.Together they discuss how our earliest experiences shape our relationship with money, why couples often struggle to communicate about finances, how financial abuse can quietly develop inside relationships, and why avoiding money conversations only creates more stress over time.Whether you're married, single, divorced, or simply trying to feel more confident with money, this conversation offers practical insights and compassionate encouragement to help you move forward.In This Episode You'll LearnWhy money conversations feel so emotionally chargedHow childhood experiences shape your financial beliefsHow financial avoidance quietly grows into resentmentThe warning signs of financial control and financial abuseWhy women often underestimate their financial valueHow communication—not income—is often the biggest financial challengeHow therapy and financial education can work togetherWhy your self-talk may be holding you back financiallyKey TakeawaysMoney conversations are relationship conversations.Financial disagreements are often rooted in communication, expectations, trust, and unspoken assumptions—not dollars.Avoidance creates more anxiety.The less we look at our finances or talk about them, the more overwhelming they become.Financial confidence is learned.No one is born knowing how to manage money. Financial literacy is a skill anyone can develop.Ask questions—even if they feel uncomfortable.Understanding your finances isn't a sign of distrust. It's an important part of protecting yourself and participating fully in your own life.Self-talk matters.The stories we tell ourselves about money often become self-fulfilling. Replacing "I can't" with "I can't...yet" creates possibility.Memorable Moments05:30 — Bonnie explains why so many people avoid money conversations07:00 — How family beliefs quietly shape financial behavior12:00 — Financial dependence and the challenges of leaving unhealthy relationships16:00 — Why financial education creates hope and possibility19:00 — SMART goals and why vague financial dreams rarely become reality21:00 — The history of women's financial independence—and why it still matters today27:00 — How to begin difficult money conversations with your partner35:00 — Understanding fight, flight, and freeze responses around money45:00 — The importance of changing your financial self-talk47:00 — Why adding the word "yet" changes everythingFavorite Quotes"We talk about relationships all day long—but we avoid talking about money.""It is okay to ask questions. It is okay to understand your finances.""People push money down the road until later—and later eventually shows up.""Nobody taught a lot of people how to adult.""Your body is talking to you. Listen to what it's trying to tell you.""Feelings aren't facts.""It's never too late."About Bonnie RussoBonnie Russo, LCSW-QS, is a licensed clinical social worker, psychotherapist, speaker, advocate, and founder of Papillon Health & Wellness. She is also the founder of Bridges to Wellness, a nonprofit supporting adults, seniors, and veterans through whole-person care.Her work focuses on the intersection of mental health, trauma recovery, financial stability, relationships, and emotional wellness. Bonnie works with individuals and families navigating high-conflict divorce, financial abuse, grief, trauma, career transitions, and life changes while helping clients build resilience and confidence for the future.For more tools and conversations about money mindset, practical financial tips, confidence, and financial empowerment…Subscribe to the “Money & You With Michelle Perkins” Podcast: https://podcasts.apple.com/us/podcast/money-you-with-michelle-perkins/id1365907575Please 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 & Newsletter:https://limitfreelife.com/newsletter/Learn more about Michelle Perkins & Limit Free Life®:https://limitfreelife.com Have a money or career question? Book a free virtual coffee chat with Michelle:https://limitfreelife.com/booking/?utm_source=chatgpt.com Instagram: @livealimitfreelife YouTube: The Limit Free Life Channelhttps://www.youtube.com/@michelleperkins-limitfreel2446

29.6.2026 • 11:37

In this episode of Money and You, Michelle Perkins welcomes David Stein, host of the popular personal finance podcast Money for the Rest of Us and author of Money for the Rest of Us: 10 Questions to Master Successful Investing.David brings a rare combination of deep investment expertise and thoughtful philosophy. Before launching his podcast, he served as chief investment strategist and chief portfolio strategist at Fund Evaluation Group, a $33 billion investment advisory firm. Today, he helps individuals become more confident investors through his writing, audio, video, and the Money for the Rest of Us Plus community.Michelle and David explore a refreshingly grounded way to think about money — not just as numbers in an account, but as one form of life energy, alongside time, talent, relationships, and personal abundance. They discuss why money itself is “made up,” how our consumer culture keeps us chasing more, and why intentional spending can create more satisfaction than endless accumulation.They also dive into practical investing principles, including why you should never invest in something you can’t explain, why diversification matters, what really drives stock market returns, and why boring, broad-based investing may be much wiser than chasing individual stocks or hot trends.This episode is a thoughtful blend of money mindset, investment education, and real-life wisdom for anyone who wants more clarity, confidence, and peace around money.In This Episode, We Discuss:Why money is only one form of capitalHow to define abundance beyond dollars Why more productivity has not necessarily created more freedom How intentional spending can increase joy * How investing stores life energy for the future *The importance of understanding inflation *Why you should never invest in something you cannot explain *What really drives long-term stock market returns *Why individual stock picking is harder than it looks * The importance of diversification inside a 401(k) *Why facing your numbers is the first step toward financial controlKey Moments03:57 – Why money itself is “made up” and abundance is much bigger than money06:21 – John Maynard Keynes’ prediction about work and abundance10:45 – Michelle and David discuss intentional spending and quality over quantity17:13 – David’s investing philosophy and the idea of living like you’re already retired18:59 – Why investments need to earn more than inflation19:54 – Never invest in anything you can’t explain22:22 – What really drives stock market returns26:11 – The risk of owning too much employer stock30:51 – The “whole bowl of popcorn” analogy for diversified investing35:53 – David’s final advice: slow down, understand what you own, and face your numbers “Face the music where you’re at.” — David SteinAbout David SteinDavid Stein helps individuals become better and more confident investors through his writing, audio, and video. He is the host of the personal finance podcast Money for the Rest of Us, which reaches more than 40,000 listeners per episode and has surpassed 10 million downloads.David is also the author of Money for the Rest of Us: 10 Questions to Master Successful Investing and provides investment insights and model portfolios to members of the Money for the Rest of Us Plus community. Before launching the podcast, David served as chief investment strategist and chief portfolio strategist at Fund Evaluation Group, LLC, a $33 billion investment advisory firm.Resources & LinksMoney for the Rest of Us: https://moneyfortherestofus.comMoney for the Rest of Us Podcast: https://moneyfortherestofus.com/podcast Money for the Rest of Us: 10 Questions to Master Successful Investing: https://moneyfortherestofus.com/book Money for the Rest of Us Plus: https://moneyfortherestofus.com/plus Connect with Michelle Perkins & Limit Free Life® If you enjoyed this episode, please subscribe, rate, review, and share it with someone who wants to feel more informed, empowered, and intentional with money.For more information on Limit Free Life & Michelle Perkins: https://limitfreelife.comLinkedIn: https://www.linkedin.com/in/limitfreelife/Instagram: https://www.instagram.com/livealimitfreelifeYou Tube: https://www.youtube.com/@michelleperkins-limitfreel2446

22.6.2026 • 41:10

What if building wealth isn't really about accumulating more money? In this thought-provoking episode of Money and You, Michelle Perkins welcomes David Stein, former Chief Investment Strategist at a $33 billion investment advisory firm and host of the acclaimed Money for the Rest of Us podcast.Together they explore a refreshing perspective on money that goes far beyond investment returns. David shares why money is simply one form of capital—not the destination itself—and explains how true abundance comes from intentionally using all of our resources, including our time, relationships, talents, and life energy.The conversation also dives into practical investing principles, why diversification still works, why chasing individual stocks is usually a losing game, and how slowing down your financial decisions often leads to better outcomes. Whether you're just beginning your investing journey or have been managing your finances for years, this episode offers timeless wisdom for creating both financial confidence and a richer life. In This Episode You'll LearnWhy money is simply a tool—not the ultimate measure of wealth* How defining abundance changes your financial decisions* What the "hedonic treadmill" teaches us about spending* Why buying fewer, higher-quality items often creates greater satisfaction* How intentional spending improves both finances and happiness* David's philosophy of "living like you're already retired"* Why every investment should beat inflation over time* How understanding what you own creates financial confidence* Why facing your financial reality—even when it's uncomfortable—is the beginning of freedomKey Moments03:55 – Why money is "made up" and abundance is much bigger than money06:20 – John Maynard Keynes' prediction about the future of work08:40 – The hedonic treadmill and why buying more never feels like enough17:10 – David's investing philosophy: live like you're already retired26:10 – The hidden risk of owning too much employer stock29:30 – Why most people shouldn't try to beat professional investors35:50 – Slow down, understand your investments, and face your numbersMemorable Quotes"Money itself is completely made up. It's simply a way to keep score.""Our life energy, our relationships, and our talents are all forms of capital.""We can be satisfied with less and actually experience more joy.""Never invest in anything you can't explain.""When you buy one stock, you're betting that you know more than everyone else.""The goal isn't to become the smartest investor in the room. It's to become a confident one." About David Stein David Stein is the host of the award-winning Money for the Rest of Us podcast, which reaches more than 40,000 listeners per episode and has surpassed 10 million downloads. His work has been featured by The New York Times, Forbes, Chicago Tribune, and U.S. News & World Report. Before founding Money for the Rest of Us, David served as Chief Investment Strategist and Chief Portfolio Strategist for Fund Evaluation Group, a $33 billion investment advisory firm. He is also the author of Money for the Rest of Us: 10 Questions to Master Successful Investing and provides investment education through the Money for the Rest of Us Plus community. Resources & LinksMoney for the Rest of Us: https://moneyfortherestofus.comMoney for the Rest of Us Podcast Money for the Rest of Us: 10 Questions to Master Successful Investing Money for the Rest of Us PlusCommunity Connect with Michelle Perkins & Limit Free Life® If you're ready to build a healthier relationship with money and create greater financial confidence, you'll find more resources, coaching, and conversations at Limit Free Life®. * Website: https://limitfreelife.comFor more information on Limit Free Life & Michelle Perkins: https://limitfreelife.comLinkedIn: https://www.linkedin.com/in/limitfreelife/Instagram: https://www.instagram.com/livealimitfreelifeYou Tube: https://www.youtube.com/@michelleperkins-limitfreel2446 

15.6.2026 • 42:35

In this episode of Money and You, Michelle Perkins sits down with strategic franchise advisor Jeff Shafritz, founder of Franchise Guidance, to explore franchising as a practical and often overlooked path to business ownership.Jeff has spent more than 30 years in the franchise world, including experience in franchise development, owning and exiting his own fitness franchise, and helping hundreds of executives, investors, and career changers evaluate franchise opportunities. In this conversation, he breaks down what franchising really is, who it’s best suited for, and how to think about it as a potential transition out of corporate life or into a more flexible income stream.Michelle and Jeff discuss the benefits of buying into an established system, the importance of matching the business model to your strengths and lifestyle goals, and why the “hottest” franchise may not be the best fit for you. They also talk about emerging franchise categories, including wellness, longevity, senior care, fitness, home services, and what Jeff calls “boring businesses” that can be surprisingly strong opportunities.This episode is especially helpful for anyone who is curious about entrepreneurship but doesn’t necessarily want to build a business from scratch.In This Episode, We Discuss:Why franchising can be a hybrid between employment and traditional entrepreneurshipHow franchises reduce some of the heavy lifting of starting a businessWhy fit matters more than chasing a trendy conceptThe difference between established and emerging franchise brandsWhat types of franchises may work for people who want to keep their day jobWhy service-based and “boring” businesses can be powerful opportunitiesHow AI may change the future of white-collar work and increase demand for hands-on service businessesHow franchisees can eventually sell or exit their businessKey Moments03:46 – What franchising gives you that starting from scratch does not08:13 – Why franchise fit matters more than popularity or trends10:04 – The most important qualities of a successful franchise owner16:08 – Current franchise categories Jeff finds interesting17:28 – The appeal of “boring businesses”19:26 – How AI may impact future business ownership opportunities23:52 – Hiring, staffing, and leadership in service-based franchises27:50 – What kind of investment franchising may require39:35 – Exit strategies and scaling through multiple unitsMemorable Quotes“Franchising is for someone who wants to own their own business but may not have the idea, time, or desire to start something from scratch.” — Jeff Shafritz“If it’s not a good fit for you operationally, or it doesn’t meet your lifestyle goals, you’re going to be frustrated with the business.” — Jeff Shafritz“You could take a great operator in an average franchise and have more success than a great franchise with an average operator.” — Jeff Shafritz“Once you know where you want to go, it’s a lot easier to find the vehicle to help you get there.” — Jeff ShafritzAbout Jeff ShafritzJeff Shafritz is a strategic franchise advisor and founder of Franchise Guidance. With more than 30 years of experience across the franchise industry, Jeff has worked in franchise development, owned and exited his own fitness franchise, and advised hundreds of executives, investors, and career changers as they explore franchise ownership.Jeff helps people evaluate franchise opportunities based on their goals, strengths, financial parameters, lifestyle needs, and long-term vision — without hype or pressure.Resources & LinksConnect with Jeff at:Franchise Guidance: https://www.franchiseguidance.comConnect with Michelle Perkins & Limit Free Life®For more conversations about money, career, business, mindset, financial empowerment, and building a life with more freedom and intention:Visit Limit Free Life®: https://limitfreelife.comBook a Virtual Coffee Chat with Michelle: https://limitfreelife.comListen to Money and You on your favorite podcast platformWatch episodes on the Limit Free Life YouTube channelIf you enjoyed this episode, please subscribe, rate, review, and share it with someone who may be thinking about business ownership, career change, or new ways to create income and independence.

8.6.2026 • 43:35

In this episode of Money and You, Michelle Perkins welcomes Walter Miller, founder and owner of Norman Professional Services, for a refreshingly human conversation about accounting, financial literacy, cash flow, and what business owners really need to understand about their numbers.Walter shares his unusual path from actor and English major to accounting advisor and fractional CFO, and how his background as a teacher and communicator shaped the way he works with entrepreneurs. His firm helps professional service business owners move beyond bookkeeping and tax preparation into true financial clarity.Michelle and Walter discuss why so many successful business owners still feel embarrassed about what they don’t know, why financial shame keeps people from asking important questions, and how understanding your numbers can become a powerful tool instead of a source of stress.They also explore practical topics like margins, cash vs. accrual accounting, choosing the right tax accountant, pricing, collections, cash flow problems, owner compensation, and Walter’s powerful “days of cash” metric — a simple way to understand how much financial breathing room your business or household really has.This episode is especially valuable for entrepreneurs, service providers, and accidental business owners who are ready to stop avoiding their numbers and start using them to make better decisions.In This Episode, We Discuss:Why many business owners don’t understand their financial statementsThe shame and embarrassment that can come with not knowing your numbersWhy successful entrepreneurs may still lack financial literacyThe difference between bookkeeping, tax accounting, and business advisory workWhy business owners should feel comfortable asking basic financial questionsThe danger of letting tax strategy drive operational decisionsWhy cash flow problems usually come from pricing, collections, spending, or a combination of all threeHow to calculate “days of cash”The emotional side of cash reservesWhy your business is always “talking” to you through its numbersKey Moments09:21 – The client story that changed how Walter saw financial education11:45 – Why business owners need accountants who welcome questions14:39 – The pressure entrepreneurs feel to pretend everything is going well19:53 – What good tax accounting service should include22:07 – Why tax planning should not control operational decisions24:57 – The three common causes of cash flow problems29:34 – Walter explains the “days of cash” metric33:21 – The emotional side of holding too much cash42:57 – Walter describes his ideal client as the “accidental entrepreneur”47:16 – What it means when your business is a “teenager”Memorable Quotes“There was value to be delivered beyond the bookkeeping.” — Walter Miller“There’s a lot of embarrassment, sometimes shame, around what business owners do and do not know.” — Walter Miller“Your business is a really interesting conversation partner.” — Walter Miller“Its language is numbers.” — Walter Miller“We don’t blame a teenager because they have acne. We just say that’s part of being a teenager.” — Walter MillerAbout Walter MillerWalter Miller is the founder and owner of Norman Professional Services, an accounting advisory and bookkeeping practice founded in 2004 and named after his beloved dog, Norman.Today, Walter and his team provide bookkeeping, accounting advisory, and fractional CFO guidance to owners of professional service companies who are ready to understand their numbers and grow their businesses. Their mission is to nurture prosperous relationships as trusted teachers, helping business owners become more financially literate and more confident in their decisions.Walter brings more than technical financial skill to his work — he brings a deep commitment to teaching, translating, and helping entrepreneurs understand what their businesses are trying to tell them.Resources & LinksNorman Professional Services: https://normanprof.comConnect with Walter Miller on LinkedIn: https://www.linkedin.comConnect with Michelle Perkins & Limit Free Life®For more conversations about money, mindset, business, career, financial empowerment, and creating a life with more clarity and freedom:Visit Limit Free Life®: https://limitfreelife.comBook a Virtual Coffee Chat with Michelle: https://limitfreelife.comListen to Money and You on your favorite podcast platformWatch episodes on the Limit Free Life YouTube channelIf you enjoyed this episode, please subscribe, rate, review, and share it with a business owner who could benefit from understanding their numbers with more confidence and less shame.

25.5.2026 • 52:57

Ep 226: The Hidden Truth: About Money, Inflation & Power

18.5.2026 • 44:25

Ep 225: Infinite Banking: The Strategy That Changed My LifeIn this episode of Money & You, Michelle Perkins speaks with Kish Rao of KKR Wealth Group about the concept of infinite banking and how it can help people rethink the way they use, store, borrow, and build with their money, and how it changed the guest's life forever.Kish shares his personal story of working long hours in the corporate tech world, commuting for hours each day, and wondering why his income was not translating into the financial freedom he expected. That frustration led him to discover infinite banking — a strategy built around specially designed dividend-paying life insurance policies that can create access, flexibility, and long-term control.Together, Michelle and Kish explore why this concept can feel confusing at first, why whole life insurance often triggers skepticism, and how shifting the way we think about money may be just as important as shifting where we put our money.In This Episode:Michelle and Kish discuss:What infinite banking is — and what it is notWhy Kish says this is a financial strategy, not an investmentHow dividend-paying whole life insurance can be used as a personal banking systemWhy access, control, and flexibility matter in financial planningHow people use this strategy for cars, college, emergencies, business opportunities, debt, and other life expensesWhy borrowing against the policy is different from withdrawing moneyThe mindset shift required to think differently about capitalWhy Kish introduced this concept to his own familyHow fear and confusion can keep people stuck in familiar financial systemsKey Takeaways:One of the biggest themes in this conversation is control. Kish explains that many people are doing what they were told to do financially, yet still feel trapped by payments, debt, interest, and limited access to their own money and time.Infinite banking offers a different way to think about money flow. Instead of sending money out and losing access to it, the idea is to build a pool of capital that can continue growing while still being available for use.Michelle also highlights an important point: financial strategies often require more than information. They require a shift in how we think about money, risk, security, and possibility.Featured Guest:Kish Rao helps professionals and entrepreneurs rethink how they use their money so they can create more control, flexibility, and long-term financial growth. After more than three decades in the corporate world, Kish became passionate about helping others understand how money can work more effectively in their lives through infinite banking and capital control strategies.Resources:Book: Becoming Your Own Banker by Nelson NashKKR Wealth Group podcast resource page:kkrwealthgroup.comFor more tools and conversations about money mindset, practical financial tips, confidence, and financial empowerment…Subscribe to the “Money & You With Michelle Perkins” Podcast: https://podcasts.apple.com/us/podcast/money-you-with-michelle-perkins/id1365907575Please 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 & Newsletter:https://limitfreelife.com/newsletter/Learn more about Michelle Perkins & Limit Free Life®:https://limitfreelife.com Have a money or career question? Book a free virtual coffee chat with Michelle:https://limitfreelife.com/booking/?utm_source=chatgpt.com Instagram: @livealimitfreelife YouTube: The Limit Free Life Channelhttps://www.youtube.com/@michelleperkins-limitfreel2446

11.5.2026 • 36:16

In this follow-up solo episode of Money and You, Michelle continues the conversation about financial preparedness and readiness—but this time focuses on the practical side of preparing for financial success.Following Part 1’s deep dive into mindset, identity, and emotional readiness, Michelle explores the daily habits, financial systems, and practical decisions that help reduce anxiety, build stability, and create long-term financial confidence.This episode is a grounded and compassionate reminder that financial well-being doesn’t come from perfection. It comes from awareness, consistency, preparation, and creating systems that support your future self.Michelle discusses why so many people avoid their money, how emotional overwhelm affects decision-making, and the simple actions that can dramatically improve your financial clarity and confidence over time.If you’ve been feeling overwhelmed, behind, disorganized, or unsure where to begin financially, this episode offers a calmer, more empowering way to approach money.In This Episode, Michelle Covers:Why mindset and practical action must work togetherHow financial preparation creates emotional calmThe importance of knowing your numbersWhy avoidance is often the real source of money anxietyBuilding a spending plan instead of “random spending”Starting small with saving and financial habitsCreating systems that reduce decision fatigueUsing automation to simplify money managementWhy stability should come before growthEmotional overwhelm, consumer culture, and impulse spendingFlexibility, resilience, and adapting when life happensThe importance of asking better financial questionsKey TakeawaysPreparation Creates ConfidenceThe more prepared you are financially, the calmer and more capable you feel when opportunities or challenges arise.Know Your Numbers Without DramaYour numbers are information—not a judgment of your worth.Small Consistent Actions MatterFinancial stability is often built through small habits repeated consistently over time.Avoidance Fuels AnxietyMuch of the stress people feel about money comes from not looking at it directly.Stability Comes Before ExpansionEmergency savings, debt reduction, and organization create the foundation for future growth.Memorable Quotes from the Episode“You don’t necessarily need more money first. You need to prepare yourself for more money.”“Numbers always tell a story.”“We get very melodramatic with our money.”“It doesn’t actually matter as much that you’re not where you want to be yet. What matters is that you’ve got the steering wheel.”“Most of our anxiety around money simply comes from avoiding it.”Timestamps1:38 — Recap of Part 1: mindset and emotional preparedness5:44 — Why practical financial preparation matters7:59 — The importance of starting now9:31 — Know your numbers without emotional drama12:59 — The core financial numbers everyone should know14:48 — Why avoiding money creates anxiety16:50 — Creating a true spending plan19:20 — Why stability comes before growth21:15 — Reducing financial decision fatigue24:16 — Automating savings and debt payments25:24 — Planning for real life and unexpected events27:10 — Preparing yourself to receive more moneyResources & MentionsMichelle’s Vision Workbook: LinkMoney preparedness worksheets mentioned in the episode: https://limitfreelife.com/wp-content/uploads/2026/04/LFL-Financial-Prep-Guidelines.pngLimit Free Life®Book a Free Virtual Coffee Chat with MichelleConnect with Michelle PerkinsFor more conversations about money mindset, financial confidence, practical money strategies, and building a healthier relationship with money: Subscribe to Money and You Limit Free Life® Website Join the Newsletter & Community Michelle M. Perkins MBA on LinkedIn Instagram @livealimitfreelifeIf this episode helped you, share it with someone who may be feeling stressed, overwhelmed, or avoidant around money. Sometimes one conversation can completely shift the way we approach our financial lives.

27.4.2026 • 31:45

In this solo episode of Money and You, Michelle explores a powerful but often overlooked concept: preparation. Not just practical preparation with budgets, investing, or financial planning—but the emotional and mental preparation required to receive greater financial success.Inspired by the book How to Get Anything You Want, by Elsie Lincoln Benedict, Michelle dives into the connection between financial identity, mindset, readiness, and the opportunities we’re able to recognize and receive.Many people say they want more money, greater success, or financial freedom, but unknowingly remain emotionally unprepared for those outcomes. In this episode, Michelle explains how limiting beliefs, avoidance, fear, and negative self-talk quietly shape financial decisions—and how shifting your preparation can begin changing your financial reality.She also shares personal examples from her own business growth, discusses how preparation creates opportunity, and introduces practical ways to strengthen both your financial mindset and your financial structure.If you’ve ever thought:“I’m not good with money.”“I’m not ready yet.”“I’ll deal with it later.”“I can’t afford that.”…this conversation may completely change the way you think about financial growth and readiness.In This Episode, Michelle Discusses:Why preparation is essential for financial successThe difference between practical readiness and emotional readinessHow your financial identity affects your outcomesThe subconscious thoughts that block money growthWhy waiting to “feel ready” often creates procrastinationHow preparation allows you to recognize and act on opportunitiesThe importance of financial literacy and awarenessShifting negative money self-talk and limiting beliefsIncreasing your emotional capacity to receive more wealthWhy avoidance sends powerful signals about your relationship with moneyKey Takeaways:Preparation Creates OpportunityFinancial success often requires preparation before the opportunity arrives—not after.Your Financial Identity MattersThe stories you tell yourself about money shape your decisions, behaviors, and outcomes.Awareness Is the First ShiftNoticing your thoughts, fears, and patterns around money is the beginning of transformation.Practical + Mindset Work Must Work TogetherBudgets, investing, saving, and planning matter—but mindset determines whether you sustain them.Memorable Quotes from the Episode“You don’t rise to the occasion. You fall to your preparation.”“We have to prepare so we can receive opportunities when they show up.”“If you are avoiding your money, you’re sending a message that you don’t really want to deal with it.”“Preparation is readiness.”Timestamps3:37 — Why preparation matters more than most people realize5:25 — Clarifying what financial success actually means to you8:06 — Preparing for money before it arrives9:55 — The balance between mindset and practical preparation11:00 — Becoming aware of limiting thoughts and emotional reactions15:44 — Your financial identity and self-perception18:21 — Practical ways to build trust with yourself around money21:41 — What you attract and what you’re prepared to receive23:28 — Catching negative money language in real time24:37 — Preview of next week’s Part 2 episodeResources:How to Get Anything You WantMichelle’s Vision Workbook, Get it  here:Limit Free Life®Book a Virtual Coffee Chat with MichelleConnect with Michelle PerkinsFor more conversations about money mindset, financial confidence, practical money strategies, and creating a healthier relationship with money: Subscribe to the Money and You Podcast or watch on her YouTube Channel - Limit Free Life. Limit Free Life® Website Join the Newsletter & Community Michelle M. Perkins MBA on LinkedIn Instagram @livealimitfreelifeIf this episode resonated with you, please share it with someone who could use a healthier, more empowered relationship with money. Reviews and shares help more people discover the show.

21.4.2026 • 26:01

This episode of The Money and You Show dives deep into the hidden strategies of college funding with college funding financial expert Brian S. 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.Brian is the founder of The Grad Process, a system designed to help families fund college intelligently while protecting their long-term financial stability and retirement goals. Drawing from both professional expertise and his own experience navigating college planning for his daughters, Brian shares practical insights into 529 plans, FAFSA strategy, tax positioning, negotiating with universities, scholarships, grants, and why timing matters more than most people realize.This conversation goes far beyond traditional college savings advice. Michelle and Brian discuss:Why many parents feel overwhelmed and avoid college planningThe truth about 529 plans and their limitationsHow some families dramatically reduce college costsWhy extending tax returns may help with financial aid strategyFAFSA vs. CSS ProfileNegotiating financial aid offers with schoolsTax strategies business owners should knowThe emotional side of college planning and money shameWhy financial guidance in this area can create enormous long-term savingsBrian also explains how he helped reduce his daughter’s college costs from a $68,000 annual sticker price to roughly $11,000 per year through strategic planning and negotiation.If college funding feels confusing, stressful, or financially intimidating, this episode offers both practical guidance and reassurance that there are more options than most families realize.In This Episode We Covered:College financial planningPaying for college strategicallyFAFSA explainedCSS Profile explained529 plansCollege scholarships and grantsNegotiating college tuitionTax strategies for college fundingStudent loansBusiness owner tax strategiesFinancial aid planningCollege planning for parentsRetirement vs. college fundingKey TakeawaysCollege sticker prices are often negotiable.Many private colleges discount tuition significantly.529 plans can be useful — but they are not always the best or only strategy.Tax planning timing can impact financial aid opportunities.Parents should not assume they “make too much” to qualify for aid or discounts.Shame and avoidance often prevent families from exploring better options.Memorable Quotes“Do not confuse the objective with the method.” — Brian Eyster.“The average discount for a private school is 56%.” — Brian Eyster.“Most people don’t know where to start. They’re embarrassed. Don’t be.” —Brian Eyster.“There are always options.” — Brian Eyster.What Michelle Shares in This EpisodeHer own experience saving for her children’s educationNavigating a son returning to college later in lifeWhy parents often delay or avoid college planning conversationsThe emotional stress and shame many families feel around money and education costsLearn more about Brian Eyster. and his college funding strategies:Essential Strategies Website: https://essentialstrategies.netTimestamps01:40 — Why Michelle wanted to cover college finances on the show02:45 — Meet Brian Eister and The Grad Process05:45 — What families are feeling when college planning begins07:30 — Why Brian spent years mastering college funding strategies10:40 — How Brian reduced a $68,000 college bill to $11,00015:15 — The truth about 529 plans18:00 — Why Brian challenges traditional 529 advice24:00 — Why extending tax returns can matter for college planning28:45 — FAFSA timing and tax return strategy33:00 — State reciprocity and changing 529 rules35:00 — Using 529 plans to pay student loans strategically38:00 — Why college offers are often negotiable41:00 — How families can negotiate tuition offers46:00 — Subsidized loans and misunderstood financial aid opportunities48:30 — The emotional side of college planning and money shame52:00 — How to connect with Brian and learn more ________________________________________For more conversations about money mindset, practical financial strategies, confidence, and financial empowerment…Subscribe to the Money and You Podcast:Limit Free Life WebsiteJoin the Newsletter CommunityBook a Virtual Coffee ChatMichelle M. Perkins MBA on LinkedInLimit Free Life Instagram - @livealimitfreelifePlease rate, review, and share the show with friends and family navigating college planning, financial decisions, and building a more confident relationship with money.

13.4.2026 • 57:51

In this solo episode of Money and You, Michelle Perkins explores a powerful concept that has recently shifted the way she thinks about money, success, and personal growth: alignment.After a conversation with an energy alignment coach, Michelle began looking at money through a new lens — not just from a practical or strategic standpoint, or even mindset,  but from an energetic and emotional one. In this episode, she unpacks what “money alignment” really means and why it may be the missing piece between setting financial goals and actually achieving them.Michelle shares how misalignment can quietly show up in:The way we think about wealthy peopleOur spending habits and financial decisionsThe disconnect between our goals and our beliefsFear-based or impulsive money behaviorsTrying to build a life based on what others want instead of what truly matters to usDrawing from both her background as a former CPA and corporate finance executive and her years of coaching around money mindset, Michelle explains why financial success is about much more than budgets, investing, or strategy alone.This episode is an invitation to become more intentional, self-aware, and aligned with your values, your purpose, and the kind of life you truly want to create.In This Episode We Covered:Money alignmentFinancial mindsetRelationship with moneyEnergetic alignment and financesValues-based spendingIntentional financial decisionsWealth and purposeFear-based spendingFinancial self-awarenessJournaling and money habitsVision setting with AI toolsPersonal growth and moneyKey TakeawaysYour financial decisions are deeply connected to your beliefs and emotions.Misalignment often happens when your goals and your internal beliefs conflict.Wealth and purpose are not opposites — they can support one another.Intentional spending creates more clarity, fulfillment, and financial flow.You cannot fully compartmentalize your personal life, business life, and financial life — the energy flows through all of them.Memorable Quotes“Nothing works that well unless you have a really good relationship with your money.”“If your intentions are here, but your thinking is taking you over there… you’re going to miss.”“A purpose-driven life requires resources.”“You can be you and still have a lot of money.”Mentioned in This EpisodeMichelle references a Vision Prompting Workbook designed to help listeners:Clarify their visionExplore their goals and valuesUse AI tools to help organize and summarize their ideasAlign business and personal goals more intentionallyThe workbook link is included here: Timestamps02:20 — What “alignment” actually means financially and emotionally03:10 — The importance of self-awareness and money habits04:00 — Why mindset matters more than financial knowledge alone06:45 — Alignment between your values, goals, and money decisions07:50 — How negative beliefs about wealthy people create misalignment10:50 — Journaling prompts to uncover money misalignment11:15 — Using AI to help create a life vision13:00 — Limiting beliefs that block financial growth14:25 — Values-based spending and intentional money choices16:40 — Moving away from impulsive and fear-based financial decisions18:00 — Why wealth can support a purpose-driven lifeFor more conversations about money mindset, practical financial strategies, confidence, and financial empowerment…Subscribe to the Money and You Podcast:Limit Free Life WebsiteJoin the Newsletter CommunityBook a Virtual Coffee ChatMichelle M. Perkins MBA on LinkedIn Limit Free Life Instagram- @livealimitfreelifePlease rate, review, and share the show with friends and family who want to feel more confident, intentional, and empowered in their financial lives.

30.3.2026 • 21:10

In this episode of Money and You, Michelle Perkins sits down with international bestselling author and investing educator Robert Rolih to break down investing in a way that actually makes sense.Robert shares the painful financial loss that changed the course of his life after trusting advisors and investment products that quietly drained his wealth through hidden fees and risky strategies. That experience launched a deep journey into financial literacy, investing, and long-term wealth building that has now helped thousands of investors across more than 70 countries.Together, Michelle and Robert discuss:The hidden danger of investment feesWhy ETFs are often a smarter choice than high-fee mutual fundsHow emotions and “herd mentality” impact investing decisionsThe psychology behind buying when others are fearfulHow AI tools like ChatGPT can help investors ask smarter questionsBitcoin, gold, diversification, and long-term investing strategyWhy simplicity often outperforms complexity in investingRobert also shares one of the most powerful lessons from his book:“Love risk when making money. Hate risk when investing money.”If investing has ever felt overwhelming, intimidating, or overly complicated, this conversation will help simplify the fundamentals and empower you to think more clearly about building wealth over time.In This Episode We Covered:Financial literacyInvestment fees explainedETFs vs. mutual fundsLong-term investingBitcoin investingInvesting psychologyFear & greed in the marketAI and personal financeDiversification strategiesWealth building fundamentalsMemorable Quotes“Our brains are not built to understand the long-term effect of small fees that compound every year.” — Robert Rolih“People are drawn to the next shiny object in investing.” — Robert Rolih“Love risk when making money. Hate risk when investing money.” — Robert RolihResources & LinksLearn more about Robert Rolih and access his free investing masterclass:Robert Rolih Official WebsiteThe Million Dollar Decision on AmazonTimestamps07:00 — Robert shares how he lost most of his money trusting advisors09:00 — The Brian Tracy conversation that changed everything12:30 — The hidden danger of investment fees14:50 — ETFs vs. mutual funds explained simply18:45 — Using AI tools to understand your investments26:30 — Herd mentality and emotional investing decisions29:00 — Robert’s Bitcoin investing strategy33:45 — Why ETFs are enough for most investors35:45 — Gold, Bitcoin, bonds, and portfolio balance39:15 — Why fear in the market can create opportunity41:50 — Robert’s most important investing philosophyFor more conversations about money mindset, practical financial strategies, confidence, and financial empowerment…Subscribe to the Money and You Podcast or to the Limit Free Life YouTube Channel:Limit Free Life WebsiteJoin the Newsletter CommunityBook a Virtual Coffee ChatMichelle M. Perkins MBA on LinkedInLimit Free Life Instagram: @LivealimitfreelifePlease rate, review, and share the show with friends and family who want to feel more confident and in control of their financial lives.

24.3.2026 • 46:24

In this deeply inspiring episode of Money and You, Michelle welcomes back international speaker, mindset coach, bestselling author, and “Courage Giver” RJ Jackson, for a heartfelt conversation about courage, confidence, identity, and the emotional side of money.RJ shares powerful wisdom about how our experiences shape our beliefs, why so many people tie their worth to their bank accounts, and how courage is something we build — not something we’re simply born with.Together, Michelle and RJ explore the connection between money and identity, the impact of our words and self-talk, the dangers of comparison culture, and why surrounding yourself with supportive community can completely change the trajectory of your life.RJ also vulnerably shares the story of a devastating car accident that left her with a traumatic brain injury and unable to speak after years of traveling the world as a renowned speaker. Her journey of rebuilding her confidence, purpose, and life became a living example of what she now teaches others: how to “see beyond the wreck.”This episode is a reminder that your experiences do not define your future, your value is not tied to your finances, and it’s never too late to make a new decision about who you want to become.In This Episode, We Cover:Why courage is essential when it comes to money and life decisionsThe difference between an excuse and an experienceHow environment and upbringing shape our money beliefsWhy social media fuels comparison and insecurityThe connection between confidence and identityThe importance of watching the words we speak about ourselvesHow RJ rebuilt her life after a devastating accidentWhy community and support matter so much during difficult seasonsInvesting in yourself versus tying your worth to material thingsHow to stop letting money define your identityMemorable Moments & Quotes“You don’t have to live where you’re dying, and you don’t have to die where you’re living.” — RJ Jackson“It’s not an excuse — it’s an experience.” — RJ Jackson“You have everything you need in order to succeed. You’re just not sure how to use it.” — RJ Jackson“The dog that I feed the most is going to win.” — RJ Jackson“Your bank account is not your identity.” — Michelle PerkinsTimestamps:01:39 – Welcoming back RJ Jackson, “The Courage Giver”05:00 – Why courage matters in money and life08:45 – Experiences vs. excuses11:07 – The power of words and self-talk14:00 – “The dog you feed the most will win”18:50 – Social media, comparison, and confidence22:30 – RJ shares her life-changing accident story26:30 – Choosing to “see beyond the wreck”29:20 – Why community matters32:00 – Untangling money from identity33:45 – Investing in yourself and your future39:30 – Final encouragement and closing thoughtsRJ Jackson is an award-winning international speaker, executive mindset coach, bestselling author, and certified facilitator in anger management, conflict resolution, and world-class relationships. Known worldwide as “The Courage Giver,” she helps individuals and organizations live with greater clarity, confidence, and courage so they can lead with integrity and create meaningful impact.Learn more about RJ and her free women’s community, “Her House,” at The Courage GiverFor more tools and conversations about money mindset, practical financial tips, confidence, and financial empowerment…Subscribe to the “Money & You With Michelle Perkins” Podcast: Apple Podcasts - Money and You with Michelle PerkinsPlease 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 & Newsletter:Limit Free Life® NewsletterLearn more about Michelle Perkins & Limit Free Life®:Limit Free Life® Have a money or career question? Book a free virtual coffee chat with Michelle:Virtual Coffee Chat Booking Instagram:@livealimitfreelife YouTube: The Limit Free Life ChannelLimit Free Life YouTube Channel

16.3.2026 • 41:41

Overthinking holds you back. Action moves you forward.In this solo episode of Money & You, Michelle Perkins explores how overthinking quietly keeps people stuck financially — even when they believe they’re being careful, responsible, or “doing their research.”If you’ve ever delayed calling a financial advisor, avoided looking at your numbers, postponed opening an investment account, or told yourself you need to learn more before taking action, this episode is for you.Michelle shares why overthinking often becomes a sophisticated form of avoidance, how fear and self-doubt influence financial behavior, and why small actions create far more momentum than endless analysis.This episode is a reminder that confidence with money doesn’t come from knowing everything first. It comes from moving forward.In This EpisodeThe hidden financial cost of overthinkingWhy waiting for the “perfect plan” keeps people stuckHow fear disguises itself as responsibilityThe difference between learning and avoidingWhy emotions drive financial decisionsHow to create meaningful financial goalsSmall actions that build confidence and momentumWhy your relationship with money needs regular attentionEpisode Timestamps00:00 – Why overthinking quietly costs us money04:00 – The danger of waiting for the “perfect” financial plan09:30 – Information overload, fear, and avoidance14:00 – Why emotions drive financial decisions18:30 – Creating clear financial goals and taking action23:00 – Building a healthier relationship with money27:00 – Final thoughts and your next step“Thinking gets us pretty far. Learning gets us pretty far. But overthinking costs us money.”Key TakeawaysOverthinking often disguises itself as responsibility. At some point, more thinking stops helping and starts delaying progress.You do not need a perfect financial plan to begin: Confidence comes from movement, not from knowing everything in advance.Small financial actions create momentum: One phone call, one account, one conversation, or one decision can begin changing your relationship with moneyA Question to Take With YouWhere am I using “I need to think about it more” as a reason not to take the next step with my money?That question alone can reveal a lot.Your Next StepChoose one financial action you’ve been delaying and do it this week.Not perfectly.Not completely.Just intentionally.Movement builds confidence.Michelle’s InvitationIf you have a money or career question you’ve been overthinking, Michelle offers a free virtual coffee chat — a casual, no-pressure 20-minute conversation where you can bring one thing you’re wrestling with and talk it through.No judgment. No jargon. No sales pitch. Just clarity, ease, and a real conversation.Book your free virtual coffee chat: https://limitfreelife.com/booking/Connect With MichelleIf this episode resonated with you, share it with someone who may need encouragement around money, confidence, or taking the next step financially.Join the Limit Free Life® newsletter community:https://limitfreelife.com/newsletterLearn more about Michelle and Limit Free Life®:https://limitfreelife.comConnect with Michelle:Instagram: @livealimitfreelifeLinkedIn: Michelle M. Perkins MBAYouTube: The Limit Free Life Channel:https://www.youtube.com/@michelleperkins-limitfreel2446

9.3.2026 • 29:07

Episode 217: Your Knowledge Is an Asset: Turn What You Know Into 24/7 IncomeIn this podcast, Michelle hosted Justin Allan Montgomery, the founder of ProCourseStart and a provenexpert in turning professional expertise into scalable, high-margin continuing education businesses. A former nurse practitioner, Justin built and scaled The Elite Nurse Practitioner, an 8-figure educationplatform, giving him firsthand experience in what works—and what doesn’t.Known for his blunt, no-nonsense style, Justin now teaches doctors, therapists, attorneys, chiropractors, and other credentialed professionals how to create real passive income without the marketing gimmicks. Through his blueprint and mastermind, he empowers others to build trust-based businesses that don’t depend on social media algorithms or influencer status. If you’re tired of the noise and want a straight path to monetizing your knowledge, Justin’s your guy.We discussed the journey of transitioning from traditional employment to entrepreneurship, focusing on creating passive income through online courses. Justin shares insights about his experience making $200,000 a year but feeling tied to his job. He emphasizes the importance of developing a business that allows for financial freedom and the ability to impact others positively. The conversation highlights the challenges and strategies involved in building a course business, including the necessity of a clear value proposition and the effort required to maintain it. The discussion also touches on the speaker's evolution from creating content for nurse practitioners to diversifying into courses on tax reduction and asset protection. This episode is significant as it provides practical advice for aspiring entrepreneurs, illustrating the potential of course creation as a viable path to financial independence. The conversation reflects contemporary trends in entrepreneurship and the use of technology in business development.00:01 - From time for $$’s to passive income 14:38 - Launching a course business22:28 - Diversifying course offerings31:07 - Building a course business36:21 - Setting realistic business goals Justin began by producing content targeted at other nurse practitioners, focusing on helping them start their own practices, and later decided to consolidate this knowledge into a course format.After creating around 20 courses, the speaker found it challenging to come up with new ideas and had to think creatively about additional topics that would still be relevant to their audience. expectations, suggesting that they should start with modest goals rather than aiming for an eight-figure business immediately.Check out his brilliance if you have any interest in earning passive income by using your current expertise to teach others. https://procoursestart.com/_______________________________________________________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/newsletterLearn more about Michelle Perkins: https://limitfreelife.comLinkedIn: Michelle M. Perkins MBA on LinkedInInstagram: @livealimitfreelifeYouTube: Michelle Perkins – Limit Free Life

2.3.2026 • 49:58

In this episode of the Money & You Show, financial planners Russ Gaiser and Mike Hoeflich help couples transform Social Security from a risky guess into a strategic asset. They co-authored the #1bestseller “Beyond Break Even: The Essential Guide to Social Security Optimization” and lead Retirement Income HQ of America, where they build math-backed income plans that coordinate benefits, taxes, and portfolios.Together, they teach national workshops and consult one-to-one, focusing on survivor protection, tax efficiency, and sequencing risk in retirement. Russ brings an MBA, the CFP® mark, and CSSCS expertise. Mike holds an MBA, the CSSCS and CLTC credentials, and has educatedthousands through workshops and radio. Their approach is simple andrigorous: lower the lifetime cost of retirement, safeguard the widow or widower, and turn anxiety into clarity.They  shared insights from their extensive experience in financial planning. They noted that many individuals lack awareness of how to effectively manage their wealth and Social Security benefits, leading to potential financial strain in retirement. The episode underscored the necessity of personalized planning and education regarding Social Security options, particularly for those who may not have a clear understanding of their entitlements. This conversation is vital as it aims to empower listeners with knowledge to make informed decisions about their retirement income strategies.00:01 - Introduction to social security 11:13 - Understanding social security benefits23:29 - Evaluating retirement income needs31:21 - Wealth distribution strategies40:56 - Navigating survivor benefits46:02 - Resources for retirement planning The hosts emphasize that claiming Social Security should not be seen as an obligation upon reaching eligibility but rather as a decision that requires careful consideration of various factors, including long-term financial planning.Social Security optimization refers to the strategic approach of determining the best time to claim Social Security benefits to maximize income over a retiree's lifetime, taking into account factors like inflation and the financial needs of surviving spouses.Many financial advisors may lack knowledge about Social Security claiming strategies and may hesitate to advise clients to spend down their wealth while waiting to claim benefits, which can lead to suboptimal financial decisions.Key Takeaways:Timing Matters: Claiming Social Security at the right time can lead to significantly higher benefits over time.- Personalized Planning: Each individual's financial situation is unique; a tailored approach is essential for effective retirement planning.- Understanding Benefits: Many people are unaware of the various benefits available to them, including those related to widowhood and divorce.Consultation Services: Russ and Mike offer complimentary consultations to help individuals navigate their Social Security options and retirement planning. https://incomeplanhq.com/contact/_______________________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/newsletterLearn more about Michelle Perkins: https://limitfreelife.comLinkedIn: Michelle M. Perkins MBA on LinkedInInstagram: @livealimitfreelifeYouTube: Michelle Perkins – Limit Free Life

23.2.2026 • 51:03

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 funds20:52 - Bridging the intention gap32:50 - Entrepreneurial attitude in giving42:23 - 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 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/newsletterLearn more about Michelle Perkins: https://limitfreelife.comLinkedIn: Michelle M. Perkins MBA on LinkedInInstagram: @livealimitfreelifeYouTube: Michelle Perkins – Limit Free Life

16.2.2026 • 49:58

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 trauma17:15 - Building wealth through support28:35 - Empowerment and community growth34:59 - Understanding credit basics45:34 - 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 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/newsletterLearn more about Michelle Perkins: https://limitfreelife.comLinkedIn: Michelle M. Perkins MBA on LinkedInInstagram: @livealimitfreelifeYouTube: Michelle Perkins – Limit Free Life

9.2.2026 • 50:49