Investor Mama

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

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

In this episode of The Investor Mama Podcast, host Jen Narciso sits down with money coach Carrie Friedberg, founder of SF Money Coach and author of At Peace With Money: A Holistic Roadmap to Financial Wellness. Carrie shares her personal money story — from growing up in a household where parents constantly fought about finances, to struggling with credit card debt on an $18K teaching salary in San Francisco, to ultimately transforming her relationship with money through coaching, tracking, and emotional healing. She breaks down the four levels of financial wellness — tracking, planning, analyzing, and lifelong financial literacy — and offers practical systems busy moms and families can use to take control of their finances. Whether you're drowning in debt or looking to level up your money habits, this conversation proves that mastering personal finance doesn't require a finance degree — just fifth-grade math, self-awareness, and the courage to stop avoiding the numbers. Listen now for actionable budgeting tips, bookkeeper recommendations, and the mindset shifts every mom needs to build lasting financial confidence.

In this episode, host Jen Narciso sits down with Maja Taylor, a career ownership coach with over 30 years of corporate leadership experience, to explore how moms can build wealth through franchise ownership. Maja shares her personal journey from corporate burnout to entrepreneurial freedom, explaining why franchising offers a lower-risk path to business ownership compared to starting from scratch. She breaks down the entire franchise discovery process—from finding the right business model that fits your lifestyle and skills, to navigating funding options including SBA loans, retirement rollover (ROBS), and working capital strategies. Maja emphasizes that franchise ownership isn't just brick-and-mortar anymore, with virtual, mobile, and semi-absentee models now available across industries from senior care to consulting to home services. Most importantly, she reminds moms that they already have the leadership and management skills needed to succeed—they just need the right support system to make the leap.

In this episode I interview Lori Atwood, CEO and founder of Fearless Finance, about making up for lost time on your financial journey. Lori shares her five essential steps to financial wellbeing and explains why spending less than you earn is the foundation of prosperity, regardless of your income level. The conversation covers practical strategies for women in their 40s and 50s who feel behind on retirement savings, as well as how to navigate the complex financial challenges of caring for aging parents. Lori emphasizes that transparency, avoiding financial avoidance, and prioritizing happiness are the keys to long-term financial success—not designer labels or keeping up with societal expectations.

What if your 15-year-old could budget a family vacation? Or your teenager understood compound interest better than most adults? Financial advisor and mom of 3, Abby Large, did exactly that - and now her 24-year-old twins are completely financially independent. No student loans. No credit card debt. No asking mom and dad for money. You won't want to miss this episode.

Emily went from living the "picture-perfect" life with four kids and a 6,000-square-foot house to nursing her baby in a bankruptcy lawyer's office, only to discover her marriage would crumble under the weight of financial chaos years later. After bankruptcy, a divorce, and her ex-husband becoming homeless, this fierce single mom clawed her way to earning $100K annually while raising kids —completely on her own financially. In a breakthrough moment, she laid bare every bank account to her 16-year-old son, teaching him what "save your money" really means through radical transparency that brought him to tears and transformed his spending habits forever. This is the story every woman needs to hear about breaking free from financial trauma, having the hard money conversations before marriage, and building generational wealth through honest, actionable lessons—not just empty words.

Resources and Help Support the Show Check out the Intern Strategy Course created by Christina from Smart Influencer Learn How to Make Extra Money with a Side Hustle or Get a High Paying Salary with Time Flexibility Episode #30:The #1 Side Hustle for the On the Go Busy Mom with Mike Yanda and Bobby Hoyt […]

Learn how real people are buying homes in 2025. Lynne Samone Mazin shares Wall Street savvy + NYC luxury strategy for first-time, diverse buyers building wealth. Lynn Samone specializes in luxury real estate, with a focus on New York City and the Hamptons. She bring unique insight to first time home buyers and investors looking to enter the NYC market.

What does prosperity really mean — and how can women redefine it on their own terms? In this empowering episode of the Investor Mama Podcast, host Jen Narciso sits down with Ruchi Pinniger, founder of Watch Her Prosper, to break down the three essential pillars of building wealth with meaning, purpose, and peace of mind. Ruchi shares her journey from corporate finance to redifing how we think about money. She also hares her RIR Method™ tools (Recognize, Interrupt, Reframe™) to change your mindset and live on your own terms. Once you decide what you want she helps you plan for it with ease. Tune in!

Discover how to become an innovation engine in your career and your home life. Lisa L. Levy, CEO of Lcubed Consulting, joins Investor Mama to share how systems, adaptability, and leadership mindset help moms thrive — at work and with their families.

Are you wondering how to start investing in real estate while juggling the demands of family life? In this episode, Gina Shumway—mom of four, top real estate agent, and savvy investor—shares how she went from 0 to 9 properties and built a thriving real estate team. She breaks down how she was able to use real estate to catapault her wealth and how she became a top real estate agent producer while raising a family. Whether you’re a busy mom, aspiring investor, or looking to grow your wealth, this conversation is packed with inspiration and actionable advice to help you take control of your financial future.

Michelle Taylor https://www.bizbuysell.com/

Additional Resources https://www.beyondfinance.com/

Check out this week's episode with Rebecca Maxcy, Director at the University of Chicago Financial Education Initiative, to explore how parents can shift the money conversation with their kids. Learn about Talking Cents, an engaging card game, and My Money Journal, a hands-on activity that helps families build financial literacy together. Rebecca shares research-backed strategies from the finEDge curriculum and explains how early, meaningful money talks can set your kids up for long-term success. If you've ever wondered how to make money a positive topic at home, this episode is packed with practical tips and proven tools.

In this inspiring episode, Connie Smith shares her remarkable journey of leaving her corporate job to launch her own PR firm amidst major personal life changes. While navigating the challenges of entrepreneurship, Connie was also in the process of adopting one foster child, only to have her family grow unexpectedly by two more, bringing her from a family of five to eight. She opens up about the resilience and determination it took to balance the demands of her business with the overwhelming responsibilities of her new family dynamics. This episode is a powerful reminder of the strength found in pursuing your dreams while embracing life’s unexpected twists.

Check out this week's episode with Amanda Taylor from Expand Your Empire, where she shares ways to find and grow your community to compound your growth. With so much information coming at us at once, it's even more important that we surround ourselves with the right team of people. How you go about it is important. You won't want to miss her tips!

Check out this week's podcast with the amazing Dr. Darla, author of How to Afford Everything. Dr. Darla shares how she dealt with major life changes including moving across country on short notice while planning a wedding. Change can be difficult but having the right mindset and process in place can make it that much easier. There are things we can control and many we can't. Going about a change with an adventure mindset can make the transition less scary and more exciting. Tune in as Dr. Darla share her tips for handling life's challenges head on.

On this week's episode Ilysse Ratner, Author of the Cash Stash Activity Book, shares how she got out of $10k in debt. She also talks about ways to save and how to budget even a little bit as inflation increases and the cost of every day goods continue to go up. You won't want to miss it.

Check out this week's episode with Jen Morris, Creator of The MotherMind Collective™ where she shares her money story from actress to business owner. She discusses why it's so important to be your true self when building a buiness and what can happen when you don't. We also talk about being a mom as part of our identity and how we should lean into that as well when building a buiness. You won't want to miss it!