Money Talks! with Lynn Kitchen

Why 97% of Entrepreneurs Never Break $100K and How My Guest Ann Carden Changes That. Money Talks with Lynn Kitchen EP 149 Are you a smart, hard-working entrepreneur who feels you struggle with that glass ceiling of earning $100K or more? You are not alone! Here's a statistic that might shock you: According to the Small Business Administration, only 3% of entrepreneurs ever reach six-figure revenue. That means 97% of business owners never break $100,000 in annual income. Even more troubling? Most are working harder than they ever did when they were employees, but now, it’s for less money and no benefits. Does that describe you? Why does this happen? My guest today, Ann Carden, shared something that will surprise you! It sure shifted how I think about business success. The Cookie-Cutter Trap That's Killing Your Business Ann believes this problem exists because entrepreneurs build a business to pay bills, not one that matches their highest potential as a human being. WHOA!! Put another way, most of you build to survive, not excel! Ann has over four decades of experience and has built and sold five different businesses. She told me about a revelation she had early in her consulting career: "I realized I'm not really working in my expertise. None of this that I'm doing here in their system is my expertise." This hit me like a lightning bolt. Think about it….are you following someone else's blueprint instead of building on your own unique strengths? Ann discovered this the hard way. After moving from California to the Midwest and facing limited job opportunities, she started making rabbit dolls that became internationally acclaimed. But when she tried to scale using traditional business coaching methods, she kept hitting walls. The generic systems weren't designed for her specific expertise. Here's what I've learned as your financial advocate: Most business advice treats everyone the same. It's like trying to wear someone else's shoes – they might look nice, but they'll never fit quite right, and they'll definitely slow you down. Read more... Don't be part of that statistic. Your expertise is waiting to be unlocked, and Ann and I are here to help you do it. Ready to discover the expert within you? Let's talk. Ann Carden Website: https://vxrworks.click/LEKAnn149 Ann Cardens Book: https://vxrworks.click/LEKAnnbook149 Join my Wealth Builder Academy: https://vxrworks.click/LEKWBA Money Mentoring Programs Sign Up Here for My Newsletter and Receive: Personalized Q&A, plus what you learn here helps you make smarter money decisions for a LIFETIME.

What’s the one thing that every business wants and needs more of? Sales! Top-line revenue greases all the wheels and makes a business hum. When I sat down with Doug C. Brown for Money Talks, I thought I knew what to expect from another sales expert. Boy, was I wrong. This man has generated nearly $960 million in sales across more than 350 industries, and what he shared with me will completely change how you think about growing your business. The Revenue Reality Check That Shocked Me During our interview, Doug hit me with a statistic that stopped me cold: 97% of companies don't know their ideal buyer profile. Think about that for a moment. Nearly every business out there is essentially throwing darts in the dark, hoping to hit their target customer. No wonder so many entrepreneurs struggle with consistent revenue growth! "We have to know the business return on investment and the personal return on investment that the ideal right-fit buyer wants," Doug explained to me. This isn't just about demographics or creating a basic customer avatar. This is about understanding the deep emotional and practical drivers that make someone pull out their credit card and say "yes" to your offer. The Power of Small Changes: Why 1% Matters More Than You Think Here's where Doug blew my mind. He told me about the compound effect of tiny improvements: "If you take 1% a day and compound it in 70 days, we're at 2x statistically." As someone who's spent years helping people build wealth through smart financial decisions, this concept immediately resonated with me. It's the same principle I teach about investing – small, consistent actions compound into massive results over time. But I'd never thought about applying it to sales and revenue growth. Read More: https://lynnekitchen.com/revenue-strategy-thats-changing-everything/ Follow Apple Podcasts Spotify Amazon Music RSS FeedSee All Money Mentoring Programs Sign Up Here for My Newsletter and Receive: Personalized Q&A, plus what you learn here helps you make smarter money decisions for a LIFETIME.

Ready to Take Control of Your Health with Me? I'm thrilled to discuss something extremely close to my heart: the importance of investing in our health. This isn't just about physical well-being, it's about feeling empowered and confident in every aspect of our lives. You know, they say health is your first wealth, and I couldn't agree more. Our health forms the foundation of everything we want to achieve. Without it, even the most ambitious goals can seem out of reach. So, I'm embarking on a journey alongside an extraordinary expert whom I'd like to share with you. Let's explore how enhancing our health can truly improve our overall wellbeing. Why Health is the Cornerstone of Wealth "Health is your first wealth." This may sound like a cliché, but it holds profound truth. Studies show that people who invest time in maintaining a healthy lifestyle tend to live longer, healthier, and more fulfilling lives. In fact, according to the World Health Organization, regular physical activity and a balanced diet can reduce the risk of chronic diseases, such as heart disease and diabetes, by up to 30%. However, health is not just about preventing diseases. It's about living life to the fullest, without feeling limited by energy loss or physical aches. Imagine having energy throughout your day, feeling vibrant and having a future filled with possibilities. Isn't that exciting? Meet Our Fitness Inspiration: Alicia Jones I am over the moon to have Alicia Jones join us to talk about transforming fitness for women over 50. Alicia is a professional health expert with years of experience empowering women to become Fit, Fabulous, and Over 50! She combines practical fitness regimes with nutritional advice that's specifically designed for our age group. Alicia understands the fears that come with aging, like losing strength or energy. But here's where she shakes things up. Alicia's philosophy is centered on gaining strength through building, growing, and nurturing our vitality. Money Mentoring Programs Sign Up Here for My Newsletter and Receive: Personalized Q&A, plus what you learn here helps you make smarter money decisions for a LIFETIME.

What if the secret to greater financial clarity isn’t just a new strategy—but a new state of mind? It’s easy to think of financial growth in terms of numbers—budgets, returns, timelines. And yes, those matter. But after decades of mentoring individuals and couples through wealth-building, retirement planning, and investment strategy, I’ve come to see something deeper: Financial success begins with how you think and feel. That’s why I’m so excited about my guest and good friend, Patricia Barnett. Patricia is a bestselling author, international speaker, performance coach, and the creator of Elevate, a mindset and performance program rooted in real transformation. She’s someone who understands—through her own remarkable journey—that breakthroughs don’t begin on the outside. They begin within. Today, Patricia shares her signature framework: “The 7 Keys to a Happier, Healthier, and More Productive You.” At the heart of her message is this simple but powerful idea: Happiness isn’t just a mood—it’s a transformative mindset. And it changes everything. The Research Behind the Mindset We’re not just talking inspiration here—we’re talking evidence. Gallup reports that only 31% of U.S. employees are engaged at work, the lowest level in over a decade. This collective state has earned a name: The Great Gloom. It’s affecting not just productivity, but overall well-being—and yes, financial outcomes. Meanwhile, a study from Oxford University’s Saïd Business School shows that happy employees are 13% more productive. And Morgan Stanley reports that 1 in 5 adults say financial stress directly affects their work performance, with many losing over three hours per week to worry and distraction. The takeaway? A positive emotional state doesn’t just make you feel better—it helps you perform better. In life. In business. And in finance. Read More: Money Mentoring Programs Sign Up Here for My Newsletter and Receive: Personalized Q&A, plus what you learn here helps you make smarter money decisions for a LIFETIME.

Today, I’m thrilled to bring you a Money Talks episode that might be a turning point in how you see the financial world—and your place in it. I had the pleasure of interviewing a man who has spent his life mapping the currents of the global economy, interpreting market behavior not with fear or hype but with insight and calm intelligence. His name is Eoin Treacy and let me tell you—he is a gem. I have personally been following his work for decades. Eoin Treacy, a global strategist, expert chart analyst, and author of Crowd Money, joined me for a conversation that wasn't just timely—it was transformational. His insights will enlighten and inspire you! If you’ve ever felt overwhelmed by financial news or uncertain about your investments, this episode will change how you see the market—and yourself as an investor. Because Eoin’s philosophy aligns perfectly with mine: real power comes through knowledge. Understanding market behavior is crucial, and this episode will leave you feeling more informed and prepared. Let’s dive in. Learn more: https://lynnekitchen.com/empowerment-through-knowledge/ Money Mentoring Programs Sign Up Here for My Newsletter and Receive: Personalized Q&A, plus what you learn here helps you make smarter money decisions for a LIFETIME.

t’s Never Too Late to Take Control of Your Finances: Lynn Kitchen & Debra Morrison, Money Talks, EP 144 Some conversations don’t just inform you—they transform you. That’s exactly what happened when I welcomed the phenomenal Debra Morrison onto my podcast, Money Talks. Debra isn’t just a powerhouse in the financial world—she’s a woman with heart, courage, and nearly five decades of wisdom in helping other women navigate life’s toughest transitions with clarity and confidence. Her story moved me. And I know it will move you, too. The Financial Wake-Up Call Women Can’t Ignore Here’s the reality: most women will be solely responsible for their finances at some point—but many don’t feel ready. A recent survey revealed that almost one-third of women over 25 expect their retirement income won’t be enough to cover basic expenses. And it’s no wonder. We live longer, earn less, and take more time away from the workforce to care for others. All of this adds up to a serious “women’s wealth gap.” But I want you to hear me clearly: you are not behind. You are not too late. And you are absolutely capable of taking control. My Quest to Change the Financial Landscape When I think about my journey as a financial advocate, I see it as a mission to change these statistics. Like Debra Morrison, financial freedom isn't just about having money—it's about having confidence and knowledge to make smart choices about your future. My quest is simple but powerful: to help investors, couples, and women transform their relationship with money by breaking down the walls of fear and confusion that keep them from taking control of their financial lives. Through "Money Talks," I've brought voices like Debra's to women everywhere. Each episode is designed to spark conversation and build confidence. I firmly believe that when women understand money, they don't just change their own lives—they change the world around them. Learning from Trailblazers Like Debra Morrison When Debra joined me on "Money Talks," she shared her incredible 47-year journey in the financial industry. Starting in a male-dominated field wasn't easy. But Debra's story shows how determination and passion can overcome obstacles. Money Mentoring Programs Sign Up Here for My Newsletter and Receive: Personalized Q&A, plus what you learn here helps you make smarter money decisions for a LIFETIME.

Is the sky falling? Have you been feeling like the financial sky is falling lately? You're not alone. Many investors are watching the markets with growing concern as sharp declines make it feel like it's "raining knives" out there. As your financial advocate with decades of experience in money management, I want to share some insights that can help you navigate these choppy economic waters with confidence. "Once you begin to understand how to make better decisions in the market, it will bleed over to other parts of your life." Lynn Kitchen Understanding Today's Market Reality Let me start with an old Wall Street saying: "Don't catch a falling knife." This simple phrase captures the danger of rushing to buy stocks in a declining market before signs of stabilization appear. It's wisdom that feels especially relevant right now. Looking at the S&P 500's performance over the past few years tells an important story. We experienced a strong bull market from 2020 through 2022, followed by what I call a "normal correction" that lasted about a year. Then in 2023, we watched the index climb to a peak of 6,155 before dropping sharply to just below 5,000 – a decline that rightfully makes investors nervous. According to recent data from J.P. Morgan Asset Management, the average intra-year market decline over the past 20 years has been about 14%, yet the S&P 500 has finished the year with positive returns in 17 of those 20 years. This shows us that volatility is normal, even in healthy markets. The New Pattern: Sawtooth Markets What we're experiencing now is something I call a "sawtooth" pattern – sharp declines followed by swift recoveries. This isn't your grandparents' market where trends developed slowly over time. Today's market moves faster, hits harder, and recovers fast, much of it fueled by computerized program trading. Recent research from the Federal Reserve Bank of St. Louis shows that market volatility has increased by approximately 35% in the past decade compared to historical averages. This new reality requires a different approach to investing – one based on patience, careful observation, and strategic timing. Read More... Money Mentoring Programs Sign Up Here for My Newsletter and Receive: Personalized Q&A, plus what you learn here helps you make smarter money decisions for a LIFETIME.

Riding the Waves of Change: Lessons from My Conversation with Mark Fowler, Money Talks with Lynn Kitchen, EP 141 Have you ever felt like everything around you is changing too fast? You're not alone. In my recent "Money Talks" episode, I sat down with Mark Fowler, a seasoned business strategist and “CHANGE EXPERT” who has helped countless businesses transform and thrive during tough times. Today, I want to share what I learned from our powerful conversation about navigating what I call "hyperchange" - those massive shifts happening in our world right now. We're Living in a Time of "Tectonic Change" Let me be clear - the changes we're experiencing today aren't just small ripples. They're massive waves reshaping our entire landscape. As I mentioned to Mark during our talk, we're in a time of "tectonic change", affecting everything from our economy to politics to technology. Did you know that according to recent studies, the pace of change in business has accelerated by over 60% in the last decade? Businesses that once had years to adapt now have months or even weeks. It's no wonder that about 70% of organizational change efforts fail - most people simply don't know how to ride these waves effectively. Who is Mark Fowler and Why Should You Listen? Mark isn't just any business advisor. He's what we call a "turnaround specialist" - someone who steps in when businesses are facing their biggest challenges and helps them not just survive but thrive. As a Certified Public Accountant (CPA) with decades of experience, Mark has seen it all and helped companies of all sizes navigate through stormy waters. One of Mark's success stories involves a music company facing internal conflict. By applying his principles, the company doubled its growth in just 18 months! Another business, a distributor, grew from $2.5 million to $9 million in under a year using Mark's strategies. These aren't just numbers - they represent real people whose livelihoods were saved and improved. Five Powerful Strategies for Navigating Change In our conversation, Mark generously gifted us his Top Five Key approaches that anyone - whether you're running a business or managing your personal finances - can use to handle big changes: Read more... Money Mentoring Programs Sign Up Here for My Newsletter and Receive: Personalized Q&A, plus what you learn here helps you make smarter money decisions for a LIFETIME.

From Chaos to Clarity: How Building Self-Worth Transforms Your Financial Future, with Marci Hopkins, Money Talks EP 139 Have you ever noticed how we often tie our sense of worth to our bank accounts? I see this all the time in my work as a financial advocate. But what if I told you that true wealth begins with how you value yourself? Balancing wealth creation, personal development, and mental well-being is a task most of us find daunting. Fortunately, some voices offer clarity and guidance through these complexities, such as Marci Hopkins, a renowned TV personality and author, known for her inspirational journey from chaos to clarity. I recently had the privilege of hosting Marci Hopkins on my podcast, "Money Talks with Lynn Kitchen." Our conversation was so powerful that I wanted to share her inspiring journey with all of you. When Inner Chaos Affects Your Wallet Marci's story begins like many others—with childhood challenges that shaped her view of herself and money. Growing up with alcoholic parents and experiencing abuse, Marci developed patterns that followed her into adulthood. Her early trauma led to her own battle with alcoholism, which not only hurt her self-image but also her financial stability. "Wealth is not only about money," declared Marci Hopkins. Mental and emotional wealth are equally important. Marci passionately broke down her understanding of true wealth, emphasizing the importance of recognizing one's own self-worth. She stated, "Finding self-worth can be a hard job," but it's necessary for overcoming life's obstacles, including addiction and internalized negative beliefs. Read More... Money Mentoring Programs Sign Up Here for My Newsletter and Receive: Personalized Q&A, plus what you learn here helps you make smarter money decisions for a LIFETIME.

In this enlightening episode, I welcome esteemed guest Brian Proctor to discuss his transformational new book, 12 Easy Steps to Change Your Life. Brian, continuing the legacy of his father, Bob Proctor, reveals the power of mindset and vision to shape one's path to success and fulfillment. · Learn the importance of gratitude and its role in creating a positive mindset. · Discover how "tiny steps" can lead to significant life changes. Brian shares, "What can you do to make everybody you come in contact with feel better because they were in your presence?" Tune in to explore more timeless wisdom that can propel you to a richer, more meaningful life. What struck me most during our conversation was how Brian's approach aligns perfectly with what I've seen help my clients succeed over the years. Let me tell you why this matters for your financial future. The Power of Small Steps You know what amazes me? According to a study by Fidelity Investments, 88% of millionaires are self-made, having built their wealth over time through consistent habits. This perfectly matches what Brian and I discussed about taking "tiny steps" toward your goals. As your financial advocate, I've seen firsthand how small daily actions create massive changes over time. Here's a simple example Brian shared that really hit home: If you save the cost of a daily premium coffee – let's say $5 – and invest it with an average 7% return, you'd have over $30,000 in just 10 years. This is the kind of practical advice I love sharing with my clients because it shows how accessible wealth-building can be. A Fresh Take on Teaching Wealth One of the most fascinating things Brian shared was about teacher millionaires. According to the National Education Association, educators who consistently invest in their retirement accounts often build significant wealth despite modest salaries. In fact, teachers represent one of the largest groups of millionaires in America, proving that it's not about how much you make – it's about how you manage what you have. This is why I'm passionate about helping you understand your financial potential. Whether you're a teacher, entrepreneur, or a millionaire, I can help you develop strategies that work for your specific situation. The Gratitude Connection Something powerful that Brian taught me during our conversation is what he calls a "future gratitude journal," where he thanks the universe for successes that haven't happened yet. As your financial advocate, I've noticed how this mindset shift can dramatically impact financial decisions. When you're grateful for what you have and confident about what's coming, you make better choices with your money. A central theme in Proctor’s dialogue with me is the emphasis on vision creation. According to Proctor, many people are constrained by their current circumstances, using excuses as barriers to their potential. The key is to hold a vision — the life and future you genuinely want — and not allow current situations to dictate your limits. Building Wealth Beyond Money Here's what really excites me about advocating for my clients: wealth isn't just about money. During my conversation with Brian, we explored how true wealth includes: · Rich relationships that support your growth · Knowledge that Money Mentoring Programs Sign Up Here for My Newsletter and Receive: Personalized Q&A, plus what you learn here helps you make smarter money decisions for a LIFETIME.

As your financial advocate, I've witnessed firsthand how women's relationship with wealth is evolving. Today, I'm excited to share insights from my recent conversation with transformational coach and author Hilary DeCesare about revolutionizing your approach to creating wealth and success. In this enlightening episode of Money Talks from Lynn Kitchen, Hilary introduces us to a groundbreaking concept known as the “Relaunch Revolution”. This revolution is characterized by multiple life relaunches that women undergo, demonstrating their resilience and drive to achieve more. Hilary shares her own story of transition from a high-profile corporate job at Oracle to a successful career as an entrepreneur and coach, providing invaluable lessons on how to transform personal crises into opportunities for growth. The Time for Change is Now The statistics tell a compelling story. According to a recent McKinsey study, women will control $30 trillion in financial assets by 2030. Yet, many women still face unique challenges in building and maintaining wealth. The Boston Consulting Group reports that 62% of women feel their financial advisor doesn't understand them or their objectives. This is where my expertise, combined with Hilary's revolutionary approach, can make a profound difference in your journey to financial empowerment. Understanding the Relaunch Revolution READ MORE: https://lynnekitchen.com/the-relaunch-revolution/ Why It Matters When women take charge of their finances, the impact is profound. Studies show that women reinvest 90% of their income back into their families and communities, compared to just 35% for men. By embracing the Relaunch Revolution, you’re not only creating wealth for yourself but contributing to a larger movement of empowerment and positive change. Ready to begin your transformation? Join this revolution in wealth creation today. Let us help you create a personalized roadmap to wealth that aligns with your values and aspirations. Whether you're planning a career transition, building a business, or seeking deeper financial fulfillment, Hilary and I are here to guide you with expertise, practical tools, and proven strategies. Hilary is offering a special introductory code for 50% off her most popular classes: Visit: therelaunch.com https://go.therelaunchco.com/bib-order Use code: relaunch50 to join Hilary’s next masterclass. Remember, wealth isn't just about money - it's about creating a life of purpose, impact, and fulfillment. Let's start your journey today Visit: LynneKitchen.com/billionaire https://vxrworks.click/tjb and join Lynn’s Free Master Class Lynn Kitchen is an investment strategist and financial advocate with over three decades of experience in helping women create sustainable wealth. Money Mentoring Programs for Women. Sign Up Here for My Newsletter and Receive: Personalized Q&A, plus what you learn here helps you make smarter money decisions for a LIFETIME.

Your Next Steps As your financial advocate, I want you to feel confident about your investments in this exciting market. Here's what you can do right now: Schedule a consultation Remember, this remarkable market rally isn't just about making quick gains – it's about building lasting wealth through smart, strategic investments. I'm here to help you every step of the way. Want to learn more about how we can make these market opportunities work for you? Reach out to me today. Let's work together to make your financial future as bright as possible. Your dedicated financial advocate, Lynn Kitchen P.S. The markets wait for no one! Schedule your consultation today, and let's make sure your portfolio is positioned for success in this dynamic environment. Learn more about: Build Wealth like Billionaire Complementary Webinar Money Mentoring Programs for Women. Sign Up Here for My Newsletter and Receive: Personalized Q&A, plus what you learn here helps you make smarter money decisions for a LIFETIME.

Building Wealth Through Strategic Team Building, with Lynn Kitchen and Kelly Roach. Money Talks EP 134. I'm thrilled to share some game-changing insights from my recent conversation with the incredible Kelly Roach on "Woman Building Wealth." Drawing from Kelly's extensive experience and her acclaimed audiobook Bigger Than You, this episode sheds light on the importance of adaptability and high-quality leadership in navigating economic challenges. As your financial advocate, I'm always looking for ways to help you create lasting wealth and success. Today, I want to talk about something that could transform your financial future: the power of leadership and strategic team building. Why This Matters to You Right Now Let me share some eye-opening statistics that show why this conversation is so crucial for your financial journey: Businesses with strong leadership and effective teams are 21% more profitable than their competitors (Gallup, 2023). McKinsey & Company reports that companies with diverse and well-managed teams are 35% more likely to have financial returns above their industry mean. The Society for Human Resource Management (SHRM) found that replacing a single employee can cost up to 200% of their annual salary – making strong team building not just about growth, but about protecting your wealth too. How Kelly and I Can Help You Break Through Between Kelly's extensive experience in building multimillion-dollar businesses and my years as a financial advocate, we've developed strategies that work in the real world. Kelly's acclaimed audiobook, "Bigger Than You," isn't just another business book – it's a practical blueprint for success. In this podcast, we are offering you something unique: actionable strategies backed by decades of real-world experience. The Six Pillars of Success I'm excited to share Kelly's revolutionary six-pillar approach that has helped countless entrepreneurs build sustainable wealth: 1. Accountability: How to create systems that keep you and your team on track without micromanaging. 2. Coaching: How to develop your team's skills effectively (companies that invest in comprehensive training enjoy 24% higher profit margins - Association for Talent Development). 3. Training: Implement training programs that actually stick. 4. Feedback: Master the art of constructive feedback that motivates rather than discourages. 5. Career Development: Create growth opportunities that keep top talent engaged. 6. Structure: Build frameworks that support scalable growth. Real Solutions for Real Challenges Here's what makes me particularly passionate about sharing these insights with you. I've seen firsthand how proper guidance can transform struggling businesses into thriving enterprises. When you implement the structured hiring process Kelly recommends, you'll: Reduce hiring mistakes by up to 80% (Harvard Business Review study) Save an average of $14,900 per hire in turnover costs (SHRM) Increase your team's productivity by up to 30% (Workplace Research Foundation) Your Path to Financial Growth What really excites me about sharing Kelly's expertise alongside my financial guidance is that we're not just talking about abstract concepts. We're providing you with: Read More https://lynnekitchen.com/strategic-team-buil Money Mentoring Programs for Women. Sign Up Here for My Newsletter and Receive: Personalized Q&A, plus what you learn here helps you make smarter money decisions for a LIFETIME.

As I kicked off this episode of "Woman Building Wealth, Money Talks," I knew I was about to unveil a financial gem that many of my listeners might have overlooked. Today, we're diving into the world of life insurance settlements, and I couldn't be more excited to share this knowledge with you all. You see, I've always believed that true financial empowerment comes from understanding all the tools at our disposal. And life insurance settlements? They're like the hidden compartment in your financial toolbox that you never knew existed. As I sat down with my guest, Lisa Rehburg, I could feel the energy of discovery in the air. We started peeling back the layers of this lesser-known financial option, and I was struck by how it could transform a dormant insurance policy into a valuable source of cash flow. It's not every day that you find a way to unlock hidden value in something you've had all along! Throughout our conversation, Lisa and I explored the nuts and bolts of how these settlements work. But what really got me fired up were the real-world examples we shared. Stories of people who found financial relief through this method reminded me why I do this podcast - to help women uncover pathways to building wealth that they might never have considered. What became clear as we talked is just how underutilized this option is. I couldn't help but think of all of you out there who might be sitting on this potential goldmine without even realizing it. It's moments like these that remind me why financial education is so crucial. As we wrapped up the episode, I felt a sense of excitement. We'd just equipped our audience with knowledge that could provide them with much-needed liquidity during crucial times. It's not just about the money - it's about the peace of mind and the opportunities that come with understanding your financial options. What Are Life Insurance Settlements? Life insurance settlements, also known as life settlements, are a financial maneuver where a policyholder sells their life insurance policy to a third party for a lump sum cash payment. Much like selling any tangible asset, such as a car, the seller receives immediate cash, while the buyer acquires the right to the policy's death benefit. Every year, about 2.5 million seniors lapse or surrender their life insurance policies. This means countless individuals are potentially leaving significant amounts of money on the table by not exploring life settlements. Life insurance settlements allow policyholders to capitalize on their policies, providing liquidity when needed the most. How Do Life Insurance Settlements Work? Understanding the mechanics of life insurance settlements can demystify this financial option. Here’s a step-by-step breakdown of the process: 1. Assessment: The policyholder's life insurance policy is evaluated. Factors such as premiums, death benefit value, and the insured’s health (life expectancy) play a crucial role. 2. Market Offerings: Professionals, often known as life settlement brokers, market the policy to potential buyers to secure the highest possible bid. 3. Transfer of Ownership: Once a buyer is identified, the ownership of the policy is transferred. The policyholder receives a lump sum cash payment, and the buyer assumes future premium payments and becomes the beneficiary. Read More... Money Mentoring Programs for Women. Sign Up Here for My Newsletter and Receive: Personalized Q&A, plus what you learn here helps you make smarter money decisions for a LIFETIME.

Welcome, savvy investors and market aficionados. This is Market Sense for September But here’s where it gets really interesting. We’re not just dealing with the Fed’s curveball. We’re stepping into September – a month that’s gained notoriety in financial circles for all the wrong reasons. Forget about those lazy, hazy days of summer. September ushers in a time of caution, contemplation, and yes, often trepidation in the markets. In this 35-minute podcast, I’m going to peel back the layers of September’s infamous reputation. We’ll explore why trading volumes shift, why portfolio managers engage in “window dressing,” and why this month has earned its stripes as predictably volatile and subdued. But don’t worry – I’m not here to regurgitate old wives’ tales. We’re going to look at these historical trends with a critical eye, separating fact from fiction. But that’s just the beginning. We’ll dive deep into how the Fed’s potential rate reductions could electrify our economy, stabilize volatile markets, and potentially turbocharge your investment portfolio. We’ll dissect why September isn’t just another month, but a critical juncture where companies and savvy investors like you need to recalibrate and strategize for Q4. And let’s not forget the elephant in the room – we’re navigating a minefield of geopolitical tensions and looming elections that could flip the script overnight. This isn’t just about numbers on a screen; it’s about understanding the forces that shape our financial world. So, whether you’re a seasoned trader or just dipping your toes into the investment waters, this episode is your blueprint for turning September’s challenges into your Q4 triumphs. We’re about to embark on a no-holds-barred exploration of September’s financial frontier. By the time we’re done, you’ll have the insider knowledge and strategic insights to not just survive this pivotal month, but to thrive in it. Fasten your seatbelts, folks. It’s time to demystify September and master the art of autumn investing. Please dive in. Soft Landing and Economic Indicators Amid the market fluctuations, the current economic indicators suggest a relatively soft landing for the economy. The term “soft landing” refers to a scenario where the economy slows down but avoids a full-blown recession. Recent data points to promising signs. For instance, inflation appears to be under control, and the anticipated lowering of interest rates could further ease economic pressures. Moreover, unemployment rates remain low, thereby bolstering consumer confidence and spending power. Strong corporate earnings reported in the first and second quarters also support this optimistic outlook. The stability observed in market reactions reflects a collective sigh of relief, with analysts noting a generally softer economic climate. This tranquil market condition, albeit temporary, offers an opportunity for investors to regroup and strategize for the upcoming months. Read More https://www.youtube.com/watch?v=VygFPSlGalU Money Mentoring Programs for Women. Sign Up Here for My Newsletter and Receive: Personalized Q&A, plus what you learn here helps you make smarter money decisions for a LIFETIME.

Health is Wealth: Abundance Through Holistic Business Strategies, Woman Building Wealth, Money Talks with Lynn Kitchen EP 131 Welcome to another empowering episode of "Woman Building Wealth, Money Talks with Lynn Kitchen." Today's episode examines the intersection of health and wealth through holistic business strategies. My guest, Christine Williams, a heart-centered business strategist, joins me to discuss the importance of aligning wellness with entrepreneurial ventures. Christine shares her transformative journey from a corporate executive to a pioneering figure in holistic entrepreneurship. Learn how wellness practitioners can build thriving, value-driven businesses that achieve financial success and enhance personal and community well-being. They say that health is your first wealth, and abundance is the success that matches your values. The journey towards holistic wealth involves aligning one's health and wellness pursuits with entrepreneurial ventures. This beautiful intersection has the potential to transform lives and build thriving businesses. Today, we'll explore how women in the wellness industry can build abundant businesses through heart-centered strategies and holistic principles. Understanding Holistic Entrepreneurship Holistic entrepreneurship is about integrating wellness, financial empowerment, and business strategies. Christine Williams, a heart-centered business strategist, embodies this approach. She has been instrumental in helping service-based women entrepreneurs and coaches transform their businesses into successful six-to-eight-figure enterprises. Christine's journey, shaped by her experiences in the wellness sector, reveals the importance of aligning business practices with personal values to achieve true success. For Christine, the path to holistic entrepreneurship began over 30 years ago in the wellness world. The challenging transition from corporate life to pursuing a passion-driven holistic business began after she moved to the South and taught yoga as a side passion; she found immense joy and fulfillment. This eventually led her to leave the corporate world and focus on wellness full-time. Building a holistic business involves more than passion; it requires a strategic approach to integrating various wellness modalities. As Christine expanded her business, she recognized the importance of collaboration instead of competition. By partnering with chiropractors, acupuncturists, and integrative doctors, she created a network that mutually benefited all parties involved. Links: Facebook Group: https://www.facebook.com/groups/abundantempoweredfeminineleaders Website: https://shineabundancenow.com/ Subscribe to the new Soulful Abundance® with Chris's YouTube channel. https://www.youtube.com/channel/UCkREo69sxas8TG3gkda_-7g Read More: https://lynnekitchen.com/health-is-wealth-ep-131/ Money Mentoring Programs for Women. Sign Up Here for My Newsletter and Receive: Personalized Q&A, plus what you learn here helps you make smarter money decisions for a LIFETIME.

Market Sense Understanding Market Turmoil and Spotting Opportunities. EP 129 This episode of Market Sense looks at "Market Inefficiency." A simultaneous downturn across the global indices does not work in our favor. Hence, we will see this from a calm and understanding point of view instead of panicking. You'll learn about indicators, such as the 200-day moving average and why recoveries can be sources of appealing investments at bargain prices. A Wealth Builders Express membership teaches how to control your fear and greed & learn the attributes of investments that exhibit more resilience in market downturns. I look closer at how to play this ride of money, ups and downs. Market Volatility: An Inevitable Rollercoaster It's the first week of August, and the markets have already presented significant volatility. This tumultuous period can feel like sharp knives are falling—a sentiment many investors echoed after the Nasdaq 100 recently plummeted by over 1000 points. The ripple effects have been felt across major indices globally. This market unrest is not isolated. For example, consider global indices such as Britain's FTSE, the Americas S&P 500, Japan's Nikkei 225 and the FTSE Euro First 300. All have echoed the downtrend, uncovering that when one gets a cold, the others start sneezing. This interconnectedness reflects the synchronized movement of global investor sentiment and perception of the future. Technical indicators, such as the 200-day moving average, highlight the severity of the ongoing volatility. Markets nearing or surpassing this average emphasize the significant pullbacks in various financial landscapes. This scenario often fosters fear but also sows the seeds of potential opportunities for astute investors. Although market corrections can invoke fear, they can also signify entry points for long-term wealth builders. Corrections precede an uptrend, whereas recessions do not. However, realizing that markets tend to move in cycles can keep you from making shortsighted investment decisions based on emotions. Wealth Builders Express Approach Investment groups like the Wealth Builders Express are invaluable resources, providing collective wisdom and strength. These groups frequently exchange tactics and information that can prepare members for economic storms ahead. For instance, recent sessions have focused on portfolio protection strategies, which can help mitigate risks when volatility strikes. Effective investing during turbulent times necessitates emotional control. Reframe volatility as a routine market correction rather than a prelude to financial catastrophe. By mastering your emotions, you can maximize earned income and invest wisely for early retirement and fulfilling life goals, instilling a sense of reassurance and confidence in your financial decisions. The adage "quality, quality, quality" cannot be overstated in turbulent markets. As location is paramount in real estate, investment quality is key in market downturns. Due to their solid fundamentals, high-quality investments typically recover faster and more robustly from market corrections. Read More https://lynnekitchen.com/market-turmoil/ Money Mentoring Programs for Women. Sign Up Here for My Newsletter and Receive: Personalized Q&A, plus what you learn here helps you make smarter money decisions for a LIFETIME.

Women Owning Their Own Million Dollar Identity with Deb Burger, Money Talks Ep 128 I was thrilled to speak at the inaugural Wealth Identity Conference with Deborah Allen-Burger, Owner/Founder of Arch Designs, Inc -Small Business Consultant. I was able to feature my influential work in advancing women’s financial empowerment. With my extensive background as an investment advisor, I have created platforms like Money Talks to educate and enable financial proficiency. We discuss the importance of mentors, the power of community, and practical steps for women to take control of their financial destinies. My emphasis is on continuous learning and financial confidence serves as a beacon for women aiming to achieve financial independence and success. Breaking Barriers in the Financial Industry My journey is one of perseverance and breaking barriers. With over 35 years of experience as an investment advisor, I began my career in the early 1980s, stepping into a predominantly male-dominated industry. At that time, female stockbrokers were a rarity, but I stood my ground, showcasing my selling skills and eventually earning a position in major brokerage firms. Despite the challenges, my ambition led me to establish one of the first female-run brokerage dealerships on the West Coast. By hiring both women and men but with a focus on opening doors for other women, I became a pioneer in the financial landscape. My motivation was simple yet profound: to not just earn money but to deeply understand it. The Vision Behind Wealth Creation My approach to wealth creation has always been rooted in vision and belief. When I built and sold my first investment advisory firm, it wasn’t just about accumulating wealth—it was about making a meaningful impact. Having a clear vision and an unshakable belief in one's goals are crucial in navigating the financial markets' ups and downs and economic shifts. Wealth building, to me, is akin to planting and nurturing seeds. It's a long-term endeavor that demands a consistent and resilient mindset. My experiences in building and selling successful advisory firms stand as a testament to the power of vision and the importance of relationship building in the financial sector. The Genesis of Money Talks Money Talks for Women is a financial clinic I created to empower women through financial education. After a successful career, I felt a calling to give back and share my wealth of knowledge. This initiative ensures that women recognize their financial acumen and gain the confidence needed to manage their money effectively. The clinic offers courses tailored to women at various levels of financial proficiency, from beginners to advanced investors. Creating a safe space where women can freely ask questions without fear of criticism fosters learning and growth, helping them overcome the confidence gap that often hinders their financial decision-making. Several strategies are crucial for women to enhance their confidence in making investment decisions. Firstly, creating a supportive community where women feel safe to ask questions is paramount. Many hesitate to seek clarification from financial advisors due to a lack of understanding of financial jargon, which hinders their ability to make informed decisions. Read More https://lynnekitchen.com/owning-your-million-dollar-i Money Mentoring Programs for Women. Sign Up Here for My Newsletter and Receive: Personalized Q&A, plus what you learn here helps you make smarter money decisions for a LIFETIME.

EP 126, Money Talks with Lynn Kitchen Welcome to this thoughtful episode of the Money Talks with Lynn Kitchen podcast featuring Tammy Cho. In the ever-evolving corporate leadership and entrepreneurship landscape, the quest for success transcends traditional methodologies and embraces a more authentic, energetically aligned approach. The journey of self-discovery and transformation is about achieving external milestones and tapping into one's inner power and potential. We delve into the world of authentic, energetic leadership and how it offers an empowering shift from conventional leadership approaches. This leadership style emphasizes self-awareness, integrity, and emotional intelligence. Tammy explains how leaders can facilitate a productive and nurturing work environment by connecting deeply with their inner selves, creating organizational success and enhancing individual performance. Take this profound journey into body analysis as Tammy Cho shares with Lynn the significance of understanding the link between our physical manifestations and inner psychological states. Discover how this tool has the potential to unlock the mystery of subconscious blocks, revealing our character, emotional history, and possible future challenges. By embracing energy alignment, authentic leadership and body analysis, you can transform your personal and professional life and overcome obstacles with ease and grace. Discovering Authentic Energetic Leadership “Authentic energetic leadership” represents a paradigm shift from conventional leadership styles. This approach highlights the importance of self-awareness, integrity, and emotional intelligence. By connecting deeply with their inner selves, leaders can harness their true potential, promoting a work environment that is both productive and nurturing. This model not only enhances individual performance but also contributes to the organization's collective success. Authentic leaders understand that their energy influences their thoughts, emotions, and actions. They prioritize mental, emotional, and physical well-being to maintain high levels of energy and resilience. Moreover, leaders inspire trust and loyalty among their team members by being authentic and fostering a culture of openness, innovation, and collaboration. The connection between the body and the mind is profound and often underexploited when pursuing personal and professional development. *Body analysis* is a tool that examines this intricate relationship, offering insights into how physical manifestations can reflect inner psychological states. By understanding our bodies' signals—whether through pain, tension, or other symptoms—we can identify and address the root causes of various issues. Embracing Energy Alignment for Transformation Read More: https://lynnekitchen.com/empowering-authentic-leadership/ The link to book a deep dive discovery call is https://pathtotheheart.com/links Here is the Lead Your Authenticity: Face Analysis Video Series link: https://pathtotheheart.com/faceanalysisseries Money Mentoring Programs for Women. Sign Up Here for My Newsletter and Receive: Personalized Q&A, plus what you learn here helps you make smarter money decisions for a LIFETIME.

As we reach the mid-year mark, it's crucial to recognize the exceptional financial events that have unfolded in the first six months of 2024. This period has witnessed a record-breaking performance across various asset classes, setting the stage for a unique opportunity for reflection and planning in this Money Talks Podcast. The major stock indices have not just recorded impressive gains, but they've done so at an accelerated pace. The Standard & Poor's 500 has surged nearly 15%, the Nasdaq has climbed an astounding 18%, and the Russell 2000, representing smaller companies, has seen a tremendous increase of 22%. These figures, typically anticipated over a year, have materialized in just six months, highlighting the rapid pace of growth. Beyond equities, commodity prices have also experienced significant upticks. Gold prices rose by 13%, and silver matched the Russell 2000's impressive 22% gain. Oil prices have remained firm, contributing to the broader upward trend in commodities. Interestingly, the currency market has seen the United States dollar appreciate by 14% compared to other major currencies. Meanwhile, treasury bonds have maintained high yields, offering about 5% for one or two-year maturities. However, the real estate index has seen a decline of 5.3%, presenting a contrasting picture amidst the overall market buoyancy. Given these market dynamics, it's not just crucial, but empowering to assess how your investment portfolio has fared. Understanding the intricacies of what you're invested in, and keeping a pulse on each asset class within your portfolio, is key to making informed decisions moving forward. Investment Comprehension Understanding the dynamics of each asset class can provide insights into overall performance. For instance, while equities have generally surged, differing growth rates among large-cap, mid-cap, and small-cap stocks suggest varied risk-return profiles. Similarly, commodities like gold and silver tend to perform well in inflationary periods or economic uncertainty. Recognizing such patterns enables you to rebalance your portfolio, enhancing your wealth-building strategies. The unprecedented market growth during the year's first half can be attributed to several key factors. Let’s explore three primary reasons behind this robust performance. Anticipation of Lower Interest Rates: One of the main drivers has been the anticipation of lower interest rates. Market sentiment has been buoyed by expectations of rate cuts, which typically lower the cost of borrowing and stimulate economic activity. Periodic announcements hinting at possible interest rate reductions have continually fueled investor optimism. Corporate Solid Earnings: Robust corporate earnings reports are another factor contributing to the market's strength. Many companies have exceeded earnings expectations, bolstering investor confidence and increasing stock prices. This continuous growth in earnings has played a fundamental role in sustaining the market rally. Investor Sentiment: Lastly, positive investor sentiment has kept the momentum going. When investors believe in the market's upward trajectory, their collective actions tend to create a self-fulfilling prophecy. The rising tide of optimism has lifted various asset classes, propelling markets to new highs. Read more... Money Mentoring Programs for Women. Sign Up Here for My Newsletter and Receive: Personalized Q&A, plus what you learn here helps you make smarter money decisions for a LIFETIME.