Financial Wellness M&M Series - How to Get Your Mojo Back?

We're continuing our Financial Wellness M&M series.  This is episode #4 of the series.  Please check out the previous episodes in the series beginning with episode 19. 

Your Mojo Gone?  Need a boost?

If you've been following the series we just finished up some episodes on Mindset. Now that we have our mindset on track, we may need to get our Mojo Ignited to accomplish our Money and Retirement goals.  

 Linda Hauser does just that in today’s episode.  How to Get your Mojo Back?  Listen in as she breaks down what the “Mojo” acronym means and how we can put these actions into practice. 

Is your Vision Vague?  - especially when it comes to Money and Retirement.  We discuss having and setting a clear vision. 

Grab Linda's "Freebie" - Bodacious Affirmations for Black Women Over 50 at bit./y/freegiftfromlinda

Review her Ignite your Midlife Mojo program  at: www. lindashusser.com

Follower Linda on these social media channels
Instagram/lindashusser

Bodacious BlackWomen Over 50 Facebook Group

Clubhouse as the group host of Bodacious Black Women Over 50 room. 

Join me here during this New Season and Series as I sprinkle a few M&M pieces of Financial Wellness in your life!     

 Are you a fan of the Retirepreneur Podcast?  If the interviews, tips and resources we share in each episode have helped you gain more insights, preparation,  confidence and inspiration to becoming a Retirepreneur subscribe to the show and leave a review to let us know!

https://www.theretirepreneur50consulting.com/TheRetirepreneurPodcast

Transcript

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Welcome to the retirepreneur podcast. Well, we strive to help women aged 50 and over transition from the corporate world and to retirepreneurship by reclaiming the resilience in your next I'm your host, Joi Disroe. Each Thursday you'll hear from guests much like yourself, discuss how they built their own retirepreneur empires. I will provide you with inspiration, resources and tips on taking charge of your mindset, health, and wealth in this phase of life. You will hear from influencers, financial and business minded experts, as well as authors, that will help you navigate your retirement journey. If you're trying to determine when and how you can retire and pivot from the corporate world into a plan B and C, then this podcast is for you. Let's make it happen. Hey, I'm back with another episode of the financial and wellness. Like sounds like a young and the restless. No seriously, I'm back y'all with another great episode of the financial wellness M series. And this is our fourth episode in the series, and I'll be continuing the series through the end of may, possibly going into June because we've got a lot of great. episodes lined up for the series and lots of good information tips that you can learn. As I stated before, I'm learning a lot from our guests and just some good stuff. So today's episode is another one on the M and M theme. It's on mojo. How to get your mojo back. Have you lost it a little bit? don't know where it is at all. Our guest today, she's going to help us do that, find it and get it back. Linda Hussar, she is the guest today and she's another guest that I've met. Guess where. On clubhouse. Yes. Another clubhouse, new friend, I'm meeting some fabulous ladies there, and they're all doing great things for their communities, for the world, actually. And more and more for women over 50. A little bit about Linda. So Linda Hussar, she coaches black women over 50, who feels like. Life is passing them by. Does that sound familiar? She gives them the guts and the grace to be intentional about living and not just existing so that they are finally fulfilled and no longer frustrated. Then they can go back and reinvent themselves, regret proof their lives and get their guests what their mojo back. I love that. And so on our 49th birthday, she became functionally depressed because she felt invisible and she felt like life was just passing her by like a record on repeat. She just kept thinking there has got to be more to life than this. So shortly thereafter, she began her journey too. Significance and was able to have a midlife mindset, key word there make-over another one armed with a new sense of passion, possibilities, and purpose. So she no longer felt that dreams had expiration dates or that she would never live up to her full potential. She truly believes that you can make midlife magic and age with excellence. Linda is destined to support other women through similar breakthroughs and their own lives. She is also the founder of the self-development and lifestyle brand, bodacious black women, and the Facebook group bodacious black women over 50. And of course she is also on clubhouse under bodacious black women over 50. Linda tell me how you came up with this whole branding of the bodacious, lifestyle, for women over 50. Tell me a little bit more about that. Well, what happened was I have been a. Have been a hairstylist, but 30 years. And I just recently, October of 2020. So my salon and me and my boyfriend moved to Atlanta, Georgia. So I've been in Atlanta about six months. And as I was getting older, my clients was getting older and they started sharing with me. Certain things like, do you ever, feel invisible? And I was thinking, I wouldn't have described it that way, but I actually do. Or they would say things like, do you ever feel like life is passing you by, like, you really didn't check all the boxes that you had planned on checking by this time in your life, do you think you'll ever really get to all that stuff? And I started thinking, I have asked myself, I didn't really call it the checkbox system, but you know, we have these goals we set up and, one lady just said, it just seems like she's, she's stuck in a mid-life button and she can't seem to move forward. Like she was making money, but she didn't feel fulfilled. She didn't feel like our life had any meaning, which is pretty deep and profound. Right, right. But, That's how she felt. And I just started realizing that there was some there, and as you know, stylists are basically bootleg therapists and I have been given advice for 30 years and had never really thought about life coaching per se. And one of my dear clients had Linda. I mean, I know you love hair and it's your passion, but I really don't think this is your purpose. You give great advice. We take your advice. We do what you say, life improves, and you really need to look into life coaching. And she said, absolutely. I looked into it, got certified and realized that I, at 30 years of doing hair, I could not sustain that. Because doing hair is you're shampooing. You're bending over. I was like 15. Five at that point. And I started thinking about what was my next? And I said, Ooh, this life coaching thing. So I started, uh, got certified, started life coaching and doing hair and started cutting back on their hair because the life coaching. Started to take off. And I was like, this is my exit plan. And so that's how, that's how I began. And I had to come up with a business name and I would always, I love that word bodacious. It's an older word, but it means bold and audacious. And that's something that we seem to downshift. As we get older, we're not as bold and we're not as audacious. So the word had so much meaning and that's how bodacious black woman came to be. And I trademarked it and here I am, interviewing in like a nutshell of how it all came to be. So bodacious black woman is a lifestyle and, self-development brand. Wonderful. Wonderful. That is excellent. And that is so true so many people I know, going to the salon over the years, of course, it's just something about when, you put your hands on your client's head and we just start getting relaxed. Yeah. That's when we open up and ask for questions and I know I've done that too over the years, you have definitely tapped into something there and I think you're a natural anyway, so, but, and then two, for, like you said that you had clients that were getting older and more people were asking those questions and it's something that. Women of our age are wondering, because we're almost afraid to ask the question, but we really want to know, and then we, not, some of us may not be afraid because we don't care because we've came to that point. We'll ask anything, we'll say anything and almost do anything. And it doesn't matter because we're just at that, right. The point in our life that we're looking for something better, we're looking for. Improvement to our lives, our next, in all relationships everywhere. So I think you have really tapped into something. So I know, at the end of the show, I definitely want to link all your, information so people can find you. So, more about this show we've been talking about mindset. financial wellness, is a series that I'm working through this month and through the next month. As it comes to, I understand mojo. You have, so can you tell me a little bit about, that acronym and what it means to you and for your clients? Yes, mojo is mindset, optimism, joy, and options. And I came up with that because. I call it the mid-life mindset makeover. You know, we go and get Mo makeovers. when we lose weight, we might go to a stylist and big dresses up again. We've all seen makeup shows make-over shows on the news, but they really don't talk about how do we make over our mind. We move, I like to call it, move up the ladder of life. Our mindset has to shift. We have to shift into understanding that a woman of a certain age. Is tolerated, but she's not celebrated. You have to make that shift and not take it personally, youth sales. It is what it is. It doesn't mean that we're not valuable. It doesn't mean that we're not valid. It doesn't mean that we can't be vibrant or buy vacations, but we have to keep it real with ourselves. So that mindset needs to shift. Um, Optimism. A lot of women over 50 on is optimistic as they used to be for different reasons. Right? It could be age-ism. It could be, they're starting to down shift in their jobs and they're starting to see younger people coming in. So their job choices, they're starting to, look at limited job choices. And with all that, if you're not. On top of your mindset and shifting there, if your optimism going is going down, then your joy. Yes. Right then you're not as joyful as you used to be because you're not really being fulfilled anymore and you're frustrated. And then that takes us to the other, Oh, which is options. What are my options? Now? There's so many. Women of a certain age start really thinking that their options are lessening. Yes, because we've got to become more creative. That creative side of us takes a downward turn as we get older. And we actually need to fire it up because as you get older, you're going to have to become more creative and think about what options are out there for me at this stage of my life, because they're out there. And that's what the mojo, the acronym stands for. I love that. And that is so true for the options part of my area is helping women transition from the corporate world. Especially those over 50. And that is one of the things that, I've talked to so many people about, what do you want to do? And what. Gives you joy, so to speak and because they have lost their joy, they've been working in a career for. You know, 25, 30 years, maybe even at the same company and many just don't know what to do. Don't know if they can even having a life outside of the work, they're just really unclear. And, unfortunately some of their, friends or from the workforce, they haven't even, maybe really made too many friends over those years outside. Especially people, women that I've. Worked with that are, they travel so much and, they have other peers and that are always, you know, busy and like-mind, but they haven't established that true relationship. So then that's when they start feeling well, what am I going to do? I don't have any joy, all those things that you said as far as the mojo of a woman, is that they have lost it. They based around cost it. And so I think. we at a time right now that, it's our place, so to speak. I think it's a, you know, you are in a place right now to help women I'm in a place there's so many others, as I stated earlier in. In the bio, we met on clubhouse, didn't meet officially, but I calling you and I was really surprised of the, the number of rooms that are, for women over 40, 50. And I think it's, our time is now and maybe it's because the boomer age too, is coming about more people are retiring. We are that. Special, you know, year age in the fifties and sixties. And I think it's just time for us to. in a better words, get our mojo back. No, absolutely. That is the word. That's why I did the acronym because I've hear it so much. You know what I mean? Stella got her groove back backs, whatever you want to call it. Right. And maybe, Hey, maybe you can come out with a new, uh, Stella got her something else, but call him. That's what got my mojo back. Absolutely. Cause groove is kind of that. When we think about that movie is your, your sexual thing back. Yeah. Right. Which is nothing wrong with that. But mojo is really about that essence of that zest right. Life used to have for life. Exactly. Exactly. Yes. I agree. I agree. so tell me, I've read a little bit about, I understand that you are a fitness guru and you love your fitness. So tell me how that even fits into just the part of the mojo, I'm laughing too, because to look at me, you wouldn't think so. So that's what I think is funny because I am not eight 24. What do they call it? 36, 24 36, Rick how's from that song going way back. Yes, Commodores. But. I'm getting better at it, because one of the things that I'm realizing is that, you know, metabolism is in firing on all its pistons. Like it used to, we gotta watch our A1C because you would go in and get this blood work and they're talking about, watch your sugar. And it's like, okay, well that's a trigger word. Watch. Yes. Or your blood pressure, your cholesterol. And. I didn't always understand when they used to say diet and exercise, right. D and E but it is so true. I want to have a vibrant ever after. I want to have a vibrant second act. I don't necessarily want to have all the aches and pains. A lot of this stuff is avoidable. And one thing that I have become very clear about is that sugar. Is the devil. It is so toxic. I did not really understand what sugar does. Yeah, it is. And so in addition to moving up the ladder of life, Those sugar cravings come. I have never really wanted sugar. Like I do know, and I'm pretty sure it has a lot to do with hormones. So I'm just trying to not just stay alive, but thrive. It's very important. And there is a huge difference, right? So I exercise five days a week. I go walking on the weekends. I really, adapting that keto lifestyle. Okay. And really doing research. We got to do the research. We do these things. We're not, and it makes no sense because we've got YouTube university and, the Academy of Google, ignorance is not bliss. It's right. And no one should not. Be able to do their own research and restructure their lives. I literally have a library of YouTube videos on exercises from women over 50. See, I'm not trying to do with the young girls to do it right, because we don't recover as well. No, we have got a whole list of people over 50 showing us how to do this. Right, I had to ask because that's something that. I am living through trying to do better, and to walk my main key just start walking and that's what I need to get out more so, cause I'm always inside now. This last year we've been inside, you know, so much, and now the weather is. Except for here in Georgia, the pollen is bad. I kept saying you don't have that in California, California. Yeah. Right. It's yeah. So it, it gets really bad here. But still, if you can, walk around the house or if you have a treadmill or go to that to gym now that it's safe to go in, now more people are doing it. I digress but that's one thing I wanted to really discuss because I really wanted our listeners to understand there are so many, aspects of your mojo, your health. Oh yeah. Sure. the wealth part, give me your ideas of women our age, and, that's in this mid life, stage and when it comes to money, what are your thoughts about the mindset of money in, in midlife and or any experiences that you've had even with your business or something? Right. My major point that I'd like to make is we are living longer. That is right. They used to, I think 65, I don't know what was the median age of death, but we have to consider our money. If you're trying to live the same lifestyle. Now it is your money going to afford you that. Yes. And so I have even had to reframe or rechange or restructure my retirement. Yes. Because if I live, I don't want to. Outlive my money. How about that? I don't want to, and there's nothing wrong with it, but I don't want to have to rely on meals on wheels and different programs. I want to eat what I want it exactly, right? Yes. Yes. And the quality of food I want eat it. If I want to eat organic, I want to eat orient organic. Right. And so it's so important that we rethink retirement. What does that mean? What does that look like? Yes. And do you want to nothing wrong with it again, but do you want to have to supplement it and be a greeter at Walmart? Or do you want to be taking cruises and spending six months in Costa Rica at your little house that you have their rent now, and then six months here. So. It's time to really look at, does retirement look like instead of just having this vague vision, most of us do not write down. What does it look like? No, like I wrote down what my retirement, what I want my retirement to look like. And from there. I did like a vision board just for permit. Yeah. That's what I said from there. You've got to look at your money. It might be time to get you a financial advisor if you don't have that. Right. Because don't let these people just do your 401k. You can do it. The IRAs, you can do Roth accounts. There's all kinds of stuff you can do. So now would be the time to do that. Deep dive. And really get clear on what does retirement look like? What are the things that you want to do, right? Yes. Great, no, that's great advice and that's exactly what, some of the people that I've worked with, that I map out do a vision board of their retirement. What does it look like? What do you want? the next 10, 15 years to look like, and even longer, because we are living longer and. One of the things that are going back to what I said earlier, too. So many people, they don't, they hadn't even thought about it. And so it's not too late. Some people like, well, I didn't save enough. I understand that, but it's never too late. And especially us that have a coaching or other, businesses, solo preneurs. There are solo preneur 401ks that many. Do not know about that. They can start putting their money in, um, you know, are moving in, especially if they were from the corporate or whatever type of work that they were in. They can move that in to a solo preneur, 401k account. so much information is out there. that is misleading. And so it is, it's good to get a certified one, a CPA and a financial planner, too. When you have a business, you may not need it for your own personal, unless you have a lot of assets and things like that. So you definitely may need one, but those are just things that we as us women bodacious. Uh, women getting our mojo back. these are just some of the topics that I know my listeners are looking for and needing that extra, you know, too, this is what I need to do. This is what I, I need to accomplish. So before I wrap up, I always, ask a couple things, any awesome things that you're working on that you'd like to share with, our listeners, anything coming up and what makes you more resilient, or have made you more worried, resilient, right. Well, I don't necessarily have anything coming up. I just have walked. I shouldn't say I just had, but I just. Okay. I said it again. I have my signature program, which is called, ignite your midlife mojo. And it is an eight week program where I teach the women who take part. How to have that kick ass competence, right? Cause at this stage it's not enough to just have regular confidence because nobody is really rooting for us. If I could just get women of a certain age to understand that, that you have to be your own rescue, you've got to be your own cheerleader. You've got to be your own hype woman. You've literally got to walk around with your Palm palms, invisible in your purse that you can just take out. And just Rob, right. You know what I mean? So I teach, I teach, I teach them how to do that, how to reinvent themselves, regret proof your life so that you can have that passionate and purpose-driven life full of possibilities, because what happens is a lot of us. That our age robbed us yes. Of our dreams, desires and destiny. And we'll just say always is that's water under the bridge, always to all of that. Right. So I just have a, an eight module system where we do deep dives because at the end of the day, I don't care what anybody says and how they say it. It's the confidence. Yes. It's the self-esteem it's taking that stinking thinking to the curb it's re-programing It's like, we've got windows 95 and we, we on any millennium now, whatever. So we've got to upgrade our programming and that's not always easy, but it's necessary and it's possible. Right. So that's always, you know, I rotate that on a group on a grade level. And what was the other question? I'm sorry. Just know. Um, so then your resilience, how do you feel that you have been resilient throughout the years or in your business or this last year? I mean, you know, everybody is saying they've been resilient during this pandemic, but, um, just give me your thoughts on that. Well, my thoughts are. In order to be resilient, you must stay connected to your why you have to stay connected to your why, when your why is clear. And I'm a big proponent of writing things down and journaling. When your why is clear, you will move through it, go under, go over, right. You will do whatever you have to do. You will walk through the swamp. To get to the other side where you see the rainbows and unicorns and the butterfly. My favorite movie is Shawshank redemption. One of my favorites because after years of chiseling that wall, he finally had the time. And when he gets through the tunnel, he realizes there is a sewer treatment facility that he must swim through. To get to for you to the right. Some people would go back through the tunnel. They likely won't get it. Like I'm not going to do that. Yeah. But because his wife was so strong, he was like, I can shower on the other side. He kept telling himself, well, what are the other things that I can do instead of concentrate on all the nots Yes. Right. That of the knots. He concentrated on the, why not. And then he started seeing, okay, good. And then he just swam. So you, you you're, Y nothing happens without the Y we can butter it up. We can put the sprinkle fairy dust on it, ice in, and try to make it all this other stuff. But at the end of the day, your why is what pull you through drug addiction, alcoholics? Um, Food addiction. Uh, what, whatever you think shopaholic gambler, if your, why is strong enough, it'll take you through and it, it keep taking you through it cause you'll back slide, but your why said no, no, no. That's okay though. You're why you must get crystal clear, clear. On your why? Wonderful. I love that. I love that. Your why is why Yes. Yes. Most people don't journal and I'm not saying you have to like journal every day, but you have to write these things out. Write out your why write out. Your values have an ideal life narrative. What do you want your ideal What is your ideal life? Number one? Yes. If you remove all obstacles, how would your life be? And write that down and then see where you are. How close are you to that? Because most of us don't really get to where we want to go because our vision is vague. Yes. Very. Very vague How are you going to do anything? And your vision is vague. You want to be successful. What does that mean? What does that look like? Yeah. And if you say, I want to have lots of money. Well, how much is that? 250,300,000 put a number on it and then put a timeline on work to that. Yeah. Work towards that goal.

Joi: 28:06

Yeah. So, yeah. Great. That's great. I love it. Thank you. Thanks. Good information. Where can people find you? Oh, I met Linda. And S hussar.com and Instagram Linda S Hussar. And your own clubhouse. I know. Yes. Bodacious black women over 50 club bodacious, black women over 50 Facebook group. And I have a YouTube channel. Linda S Heiser stopped very active, but there are a lot of videos on that. Yes. Yes. Hey, no, this is good. Cause people will definitely find you. Especially, those newcomers to the clubhouse. I know, and that's the big thing right now. And, of course on Facebook. So I'll have all that in our show notes so people can find you, and if they, want to, start, your program, your eight module programming, Ignite believe so.

Laura H: 29:06

Ignite your midlife mojo. I also have a wonderful freebie, download. And that is bodacious affirmations for black women over 50, because one of the things that did pull me out of my funk when I was stuck in that rut making money salon on it. But right. And fulfillment is huge. Why am I here on earth? You know, I didn't think about that at 20 or 30 and not really 40, but at this stage I started thinking, what is, what am I supposed to be doing? Yeah. Yeah. And, um, so affirmations, that's how I really, really started. I wasn't always into self development, but someone has suggested. I didn't even know it was a word world out there, but I started with affirmations. So I did a tweak on it. A lot of times they just say, say this, say this, but in my PDF, download. You actually create affirmations for this. That means something to you. You write directly. Yeah. You know what I mean? Because that was the key that was missing for me. It's cool to say I am enough. I am strong. I am positive, but yeah. It's also really good to be able to create your own as your own. Yeah. Because it's going to be where you are in your life. Exactly. Exactly. I'll definitely have that download in the show notes so our listeners can pick that up. That sounds great. It's been a pleasure, Linda speaking with you again, just a bubble of energy, bodacious energy, and I hope all of our listeners will listen in and get your download and follow you, on your social media channels. So it has definitely been a pleasure. Thank you so much. Thank you so much for having me. And we will most definitely be in touch. Oh, we will.

30:58

I sure hope you were able to take away a gem or nugget from this episode, make sure you send out an SOS to all your friends that is share or subscribe to this podcast. We're on a mission to help inspire, motivate, and transform. Form as many women as we can transition into their best next chapter and advance in their retirement journey to better health and financial wellness. See you in the next chapter. Every Thursday, right here on the retirement manure again, I'm your host joi disroe.