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Personalized Q&A, plus what you learn here helps you make smarter money decisions for a LIFETIME.
Hey, hey, hey, here we are. Open House. Welcome, everybody. Welcome to the open house. I'm so excited. Ah, this is a kickoff day we're kicking off the money talks for women, Money talks for women financial clinic, this is a five days of open house I'm celebrating. Why am I celebrating is because this is a dream that I've held in my heart for a long time. But I put it on the back burner for oh, so long. And I have been resisting it. And you know, whatever you resist, persists, right? So it just kept bubbling up and bubbling up. And I've been working on it for over a year. And then seriously, seriously for six months. And today, we're kicking it off, I'm so excited. And I want to welcome you. Welcome, put your name in the chat, please tell me where you're, you're here live with me, thank you for being live with me, it just is such an honor. And I know that many of you signed up and registered and told me that you couldn't make it because of the holidays. And that's okay, we're going to be sending you the replays. For the next five days, this is a five day open house, an open house, an open house. So you'll get a chance to see the replays. And if you are watching my replay, welcome. And also put your name in the chat wherever you're watching this from. And I'm just so thrilled. My name is Lynn kitchen, and I am I'm here to kick off the money talks for women financial clinic. Now, what is a financial clinic where you're going to have an opportunity to learn all about it. Let me just double check my my sound here to make sure that my sound is is working correctly. Just one minute please. Making sure that my sound is working correctly. Good, good, good. So what is the financial clinic? I'm so happy that you asked. And that you will be interested to know, because of financial clinic is is something that I've been dreaming up for quite some time. It is a place for women to with the emphasis on money learning more about money and money management and investing. And why is this the time that I think is so important, because I believe that now is our time, ladies, and that we need a place where we can learn some financial empowerment, and also increase our financial wellness, get more education, have higher awareness of what's going on in the world, receive some empowerment, become more confident in everything having to do with money, to build confidence and to create some lasting wealth and financial freedom for ourselves. Does that sound good to you? If it does put in the chat? Yes, that does sound good. Once again, this is our open house for the next five days I'm going to be with you hopefully you'll be with me for about an hour might go a little longer, four or five days. And here's what we're going to do. I'm going to actually pull back the curtains and show you what I've got planned. I'm going to give you a tour through the financial clinic that I've got planned for you. For the first couple of days, including today, I'm going to be covering some of the, I think prop prominent and prevalent issues that women have complaints and issues and problems as it relates to money and investing. And we'll just kind of dive deep for a couple of days. And I'll give you a taste and a preview of what it's going to be like to work inside the clinic to take some courses and to really expand your knowledge and expand the possibility of of creating some, some new new possibilities for yourself new opportunities for yourself. So I'm going to be showing you some some ideas and then on day three, we're actually going to open the clinic where gonna open the doors, it's going to be a grand opening. And that's going to be an opportunity for me to invite those of you who could be interested in enrolling. And so I'm going to be explaining what that means. I'll be telling you all about the different classes that I've got prepared for you so that you can choose the ones that are going to be right just for you right where you are, so that we can start right where you are. And it's going to be an awful lot of fun. So those are the first three days and then day four, and day five is all for questions and answers, you can ask me questions, I'll give you the best answers that I can. So it'll be Day, Day One, two, and three, is that some learning? We're going to open the doors. On day three, day four, and five are some questions. And I'll also introduce you to some wonderful ladies that have taken the course before we had a little beta test this summer. And they've all you know, have given me the the ideas that they want more. So that would be good. So how does that sound everyone? Give me a thumbs up in the chat. If that sounds like could be fun. For the next five days, this is just an hour day, this is an open house, I've got a few prizes, we're going to have some fun. And once again, thank you for being with me on this special occasion, the very first day of the kickoff of the open house of money talks for women, financial clinic. So first of all, I just want to take a moment to thank you all, when you registered, I asked you if you would be willing to answer two questions. One was what what are your biggest issues about around money right now. And the second one was, what are your biggest issues about investments, and you took the time and I just want to thank you, because your answers were so revealing as to what you know, what what you're going through the issues that you're having around money, and the issues that you're having about investing and learning, investing, and you know, how it can be tough. And I just want to thank you, first of all, for sharing that with me, it meant a lot to me. And I can actually feel compassion really for the possibility that women don't have a lot of places that we can go to Dewey, and talk about money, we don't have a lot of places where we can really feel free. Or a safe place where we can be around people who have similar issues, and also with people who have some knowledge. Well, hopefully, you'll come to know me in a little bit more. I'll give you my story a little bit later tonight. But just real quick I, I feel I'm you know, pretty uniquely qualified to open this financial clinic for you girls. Because, you know, I my first career was 34 years in the investment world. And I, I jumped in as a stockbroker right out of college. And I spent 34 years as an professional money manager, and as an executive owner of not one, but two investment advisory firms. And I also taught investment classes. And I'll go into a little bit more about me later. But suffice it to say that I am so excited to now have an opportunity to bring back some of the knowledge that I gained in those 34 years, and really be of service now to to women to to offer what I can in terms of skill and knowledge for that, you know, at that level of involvement in, in the stock market in the bond market, as well as money management portfolio management for 34 years. But I do think that now is a unique time. And why am I doing this now is that I really believe that now more than ever, women need some support. Would you agree with that? Would you agree with that? I think so let me just take a moment to shout out to some of my friends here. Thank you so much for being here. Putting your name in the chat and where you're from it sounds Yeah, sounds great. There's Mary Claire. Thank you, Mary Claire. Suzanne faith, Pamela. Yes, yes, yes. I I'd wholly and fully hard heartily welcome all of you, Patricia, thank you. You know, Rachel, I, this is very special for me. And I see some some names that are near and dear to my heart. So thank you for supporting why I was just about ready to tell you why. Now, the financial clinic is, I believe something that will support women because now more than ever, I think there was a report out that said something like 35% of women in corporate corporate lifestyles are now in the executive suite that almost 35% of women are in the in the leadership position of being in the executive suite. That's a That's a big number. That's a lot more than it was when I first got into the corporate world. And so we've made a lot of progress. Ladies. The other reason I think that now more than ever, is that recently, women are the number one leaders in creating their own entrepreneurial companies. I mean, especially after the pandemic, women are taking the lead, we are charging forward to take the lead in terms of the number, the number of new businesses being created every year, the number of women led businesses and the number of women who are leading those businesses, up to six figures, seven figures and beyond, it's extraordinary. And not to mention the number of women who have already a great deal of wealth that they have in controlling and the amount of wealth that we we as women are going to be inheriting over the next several decades is enormous. But what is missing, in my opinion, is the real knowledge and understanding that you can make lots of money, you can have leadership courses in in at the corporation, and that's all great. And you can have magnificent entrepreneurial courses that help entrepreneurs, scale their businesses to 678 figures and beyond. And that's all great, but where are the support structures for women who have made capital, that we can expand into the investment world and really understand what we're doing? I believe now more than ever, women have money as their number one worry whether they don't have enough, or whether they have investable capital, and just you know, are overwhelmed and feeling lost and alone, and perhaps not capable. They're feeling that way anyway, that they don't have the capacity or the capability or the knowledge to know how, how to really create a retirement that they can trust that they can that they know that they're going to have plenty of money at the end of the life and have plenty of money to do the things that they want to do. And they have plenty of money to finance their dreams, and have been plenty of money to build a legacy for their children and their children's children, and all that good stuff. How would it sound to you? If we had a place that we could go as women to build together? More empowerment? Would that feel good to you? I'm sure that's probably why you're here. And at least I hope so thank you for being here. Open House, a financial clinic. Here's the opportunity. This is going to be an experiential opportunity for women to walk down the path of empowerment, to walk down an actual journey of their own financial wellness, your own financial empowerment. I'm have structured a place where we can talk about money, and we can figure out what's wrong, what doesn't feel good. Just like when you go to a medical clinic, I would suspect you go in with with a complaint, something doesn't feel good, you want to get better. And there is an opportunity to discover what that is and to talk it out and then to learn what the solutions are because the solutions are out there whether you're in the medical field. The doctors have solutions for us, don't they? The financial field is no different than solutions exist. But it's just a matter of making sure that those of us ladies who really want the empowerment and the knowledge and the know how have a place to come where you feel safe, and where you feel like you're going to be heard, have your needs, individually and exclusively met. That's what I think anyway, so I'm structuring a financial clinic for women, so that we can have a place to talk, to learn and then to do. So I'll be structuring some classes around helping you take the journey from right where you are, whether you're a beginner, or doesn't matter, whether you feel like you know nothing at all about money and the markets, we'll start there, we'll start right where you are. Or if you are a seasoned investor, or anywhere in between, we can start right where you are, and I'm going to create an opportunity for each one of you. And then I'll create an opportunity for you to grow from one level to the next to the next. So that over a period of time, you can actually feel that you have made some changes, it will show in your life, how would that feel, I mean, if at the let's say at six months from now, or even three months from now, after an experience inside a financial wellness, clinic, health goals, and not only knowing what your goals are, but knowing knack for the kind of retirement that you want to have, and all these kinds of, of measurements that that we can learn about together. So that's exactly what awesome beginner that's me good, I like to hear that. Because that I want to know exactly where you are. So that we can, that we can begin at the beginning, I believe that the the result can be in in a really wonderful place where just for women, that we can come together and empower each other, that the results are going to be that you're going to feel more resilient, more confident, and more capable. In which one of the things which one of those three really, really resonates with with you put it in the chat if, if you have one of those three that really resonates resilient, you're going to feel more resilient, like you can bounce back, I'm confident that you can have the calm confidence that you are making some good financial decisions for your life. Or capable. I'm, I know I can do something because I have learned how I have the tools, I can go build a house because I have I have the tools I can do this because I have the tools. And then of course, once you build those things, I believe that that does build not only an internal resilience, but behind all of that is who we become in the process as you know, ladies, right it's it's a we become in the process. But as we become what it is that we want to become we want the results we want to be able to see some building some long term building blocks that that you know that we can actually step up on the blocks and start to celebrate because those blocks are not made of sand. Those blocks are made of solid assets that are growing money assets, solid assets that are growing and creating value over time. Does that sound good? I love the word value by the way, VA Luv everybody put in the chat value, bigger value, I love value. What does value mean? Is value to me means that that we can create value I believe we're always creating value. But we want to create value more richly more rewardingly and have it be more long term with that would that feel good to you to have something that you could actually build that's, that's solid and something that you can be proud of something that you that you know that you built? Money management is An awful lot of what it is that we do step by step by step by step, in order to build something that lasts for a long time. So once again, I just want to say thank you for being here. I'm excited. Now, let me ask you why you are here. Why you are here. And this is a moment. So let's just take a moment, you obviously, were attracted by the idea of wanting to get stronger, maybe have more financial wellness, Something, Something brought you here. With, you don't have to put it in the chat, although I invite you if you want to. But this is a take the moment for yourself and just ask, you know, why am I here? What? What drew me here? Why am I excited about the possibility of having a financial clinic just for women, where we can talk? Why am I here? What does it mean to me to be here? So if anybody wants to share in the chat, please, you know, feel free to do so. And if not, that's okay. As we move into more intimate spaces in places, you'll have a chance to revisit that and, and, and share. But I'd like you to start with really asking yourself what? What's in it for me? What do I want? In my, in my money, what do I want my money to be like? Maybe it's not so good right now, maybe you're not feeling well about your money, or maybe you are feeling really well. But you're but you just are overwhelmed. And and, and you're maybe you're feeling like you're not sophisticated enough, or have the amount of knowledge that you really want. So there's lots of different reasons. And everybody's unique, and everybody's reasons are perfect. your reasons are your reasons. And I just want to tell you how important it is for you to not only recognize your own reasons, but also recognize that someone like me really values your reasons. And, and for whatever reasons, they are whatever reasons that you have found yourself here, whether you're here live, and I want to thank you for that. Or whether you're on the replay. There's, there's a purpose for for this time together. And there's a purpose for the possibility there's something inside you that wants to be clarified or birth, or there's something inside that inside that you that maybe you want to grow. And I'm all for that. For those of you who know me, I'm all for that. So I think that you're in the right place. And I just want to commend you for taking a step to be here with me today. So yes, I'm hearing Thank you. I'm here to learn and to put into practice. There we go. She's stepping up. Patricia, I'm here to learn and to put into practice, all that is for my next level of living financially. Yes, yes, yes, yes. Thank you. Faith says right now, in low income and really building my dream life and know, things. I know, things are changing this year. And I want to know how to work with what's coming. All right. Does that sound delightful and delicious? I think. Absolutely. It does. Starting over after the decimation of the past five years, hmm, okay, let's put some hugs around you. And thank you for having the vulnerability to share that and whatever that is, and whatever that means. Maybe the word resiliency was vibrating with you today. And that's important, because resiliency is is something that will help all of us not only recover from losses there, you you cannot not have losses, sorry. Sorry. Part of money and learning how to deal with our our money is to deal with losses, that that you know, happen as a result of Maybe a lack of awareness, a lot of different reasons. And we'll we will get better over time at better decision making. How does that sound? But first of all, thank you for being here and recognizing the why that you're here. Okay, Carmen working on discipline for as for money as opposed to jumping in and out, boy. Yeah, that's right. Thank you for that. And Pamela says more freedom with money. Absolutely. You know, so let me ask you, what would? These are all great answers? And what what do you think freedom means as it relates to money, it's kind of, you know, we talk about freedom, freedom, money, freedom, time and money, freedom, but what does that really mean? And how do we really create it? LOA says, I have every confidence in your ability to make me financially smart. And, and to increase my bottom line. Okay, thank you for that confidence, I will. I will endeavor to rise to that confidence, because I have a great deal of knowledge to share with you that I think will help. And that's what the money clinic is all about. Not that I know everything, but I do believe that I have a unique opportunity to, to share with you all and lead. So let me give you a little bit of, of my background. As I mentioned before, it was Gosh, a 34 year career right out of college. I just, I Maybe I was too, smoking too much dope or something, why I chose to jump into the money. Business was a bold action, to say the least because I knew nothing, zero zip nothing at all, didn't even know what a stock was. And for sure, didn't know what a bond was. And but right out of college, I jumped into the stock market business. And I decided that I was I was going to succeed. One of the reasons was, I had no money I was broke. And so it, you know, college students, a lot of college students are broke. But I had been working as a college student putting myself through college, selling door to door, Webster's dictionaries, and then I sold store to store advertising. And then I sold school to school all over the United States. I was a traveling salesman, all over the United States. And I would pick up college courses where I could and cobble them together, finally cobble them together and got a degree Good gosh, it took me six years or something. And, but I was still broke. I was still broken. I thought, you know, something is, something's going to change here because I can't, I can't live broke forever. I mean, I moved out to California to learn how to become a surfer chick. And that didn't work. I really got broke then. So I decided, well, if I want money, then I need to go earn money. But I also need to know about money. And if I ever get any decent, big money of my own, and you know, when you're when you're broke, you just think Well, that'll never happen. Or you think if it does, I mean, it's a fantasy or, you know, then what, what would I do with it? So that was a question that I took very seriously, then what? What would I do with it? And how would I learn how to manage money? And why didn't I go? If I was really that interested in money, making money, why didn't I go into the money business so that I would learn how to make money and how to manage the money that I did make, and then especially the language of money, because as you know, it can sound like Chinese. The language of money is very specific, and it is very ancient, goes back to Babylonian days. And it is also extremely sophisticated. As you know today, it's an extremely sophisticated industry, the financial industry. And it's also very broad. There's so many facets of it, and there's so much to learn. And so over 34 years, I have so much experienced all the different facets in the asset classes. Over and over, over. Over time, I decided that I would associate myself with better and better financial experts that knew more than I did. Anyway, long story short, I became a stockbroker right out of college at a time when women were not allowed to be stockbrokers. But I kept, you know, knocking on doors and found a gentleman who would gave me a chance, gave me a chance. And so that was with Dean Witter Reynolds, one of the five top companies in the United States at that time, in the same league as Merrill Lynch, Paine, Webber and Dean Dean Witter Reynolds was, I was in their training school, I was like the only woman in this class of 50 men. Once I got into the little desk, I knew nobody, this was in California, Los Angeles, I knew nobody and I knew nothing. One, one of the things that they teach you is all about how to pass a test, but they don't teach you how to anything about stocks and bonds. So by the time you become a stockbroker, you still know nothing. So you have to learn the hard way. And a lot of it is really just working with people working with what they want finding out and learning the hard way. So learn the hard way I did. But I I was with Dean Witter for four years and survived. And I decided, you know, I'm, there's more out there, I then got hired by Oppenheimer and company in their institutional department, and became became one of the institutional traders. And after just four years with the majors, those are major firms. I decided that I didn't like what they wanted us to sell. And so my clients were, fortunately followed me and I opened my own broker dealer. So I was one of the first women in the state of California and the west coast to open my own broker dealer. There were a few handful of women in in New York, of course, during Wall Street, to open broker dealers or their investment advisory firms, but I was like, one in maybe out of three in the all of the west coast. So I opened my own broker dealer. And hired other women gave them chances, I had some into and trained all of my other stockbrokers and built up the business and I sold it after 10 years, and I had an opportunity at that time to then join a very elite bowtique money management firm in Pasadena, California, they were looking for a third owner partner, and I had the expertise of, of knowing how to run an investment firm, as well as being I was a actually an expert in compliance, which is all the laws and regulations that surround you know, the back office of of managing portfolios. So they brought me on board to be a partner. So I was one of three owner partners. In that firm, it was called Maxwell Knoll investment advisors. And I was there for another 15, almost 20 years. Yeah. And during that time, we built up we were managing portfolios for high end high net worth individuals, small corporations, some rather large nonprofits, national nonprofits, as well as some, some corporations that were there wanting to come public. So what they call IPOs initial public offering. So I had a lot of experience in in that area. But what I loved the most was working with people to determine what their goals are. And we would set up how their their monies could could fund their children's college education. So we wouldn't, you know, map it out. And the best part was when we would slice off a piece of their portfolio and I would send it out to the client and say, Here, go pay for a whole year's worth of set of the tuition for your son or for your daughter, and those were wonderful days. Or if they wanted to buy a house, we would, you know, build up the portfolio and peel it off and allow someone to go take that, that in those investment dollars that were there in their assets and buy more assets and build more assets. And so it was always a pleasure. Over the years I have learned that safety insecurity and knowledge are premium. Because what happens in volatile markets is that it's easy, easy to make mistakes, easy to, to lose all of the all of the ground that you had made. And so loss is part of it. So I'm here with a lot of knowledge. And I'm very happy that in the end, 34 year career served me well. During that time, I also taught adult investment courses for 15 years at the Pacific School of Finance, teaching everyone just like you, who wanted to be better at learning the fundamentals of investing, what it meant, how how, how do you do that? How do you select a company? How do you figure out what's good? What's bad? How do you even determine what's going on in this big huge world? And and how do you measure? How do you construct portfolios? How do you rebalance over time, it's a huge, it's a huge undertaking. And I just am at a place in my life right now where I can joyously look back without the trauma, and drama, because I'm no longer actually in charge of managing actively other people's money anymore, which is a lot of stress. But now I can see in the rearview mirror, and I can help you to accelerate your learning, and hopefully, help you to not take the kind of wrong moves or, you know, pitfalls that that I did, so that you won't have those kinds of problems. And that's partly what a financial clinic is all about. It's a journey. We can't learn everything all at once. No one can. And so my hope is that we can walk together down a path of possibility, and see what is possible, see what what you can do, see what is possible for you, and then also see what we can build. Now, how does that sound? If you like that, put the word build in the chat, build, build, build. I'm really believer, I'm a believer in building things that last. And I'm a believer, there's build, build, build, build, building things that last is really, that's the name of the game. So what is the financial clinic? What would you think a financial clinic would be? Have you ever been to one? I haven't I kind of excited. We can actually create this together. You know, what is it that we all want to create a financial clinic? Well, I've got these ideas. What do you think is the financial clinic? What would you love? One thing is wellness, financial wellness, I think that that's probably when you think about a clinic medical clinic. You think about how you are moving through an issue or a condition in your life, and you're healing, and you're making it better, and you get some help, and you get some medicine, you get some advice? And what if a financial clinic could be similar in that we can, we can create whatever conditions that we find ourselves in, we can create an opportunity to build a solution. And it may take some steps to build up out of I don't know, maybe maybe you got yourself in a hole. I don't know. Maybe you got yourself in some debt. I don't know. Maybe, maybe you made an investment that went sour. I don't know. There are conditions in the financial world that we we get ourselves in and in we suffer. I have a lot of scars on my financial body. And I have learned the hard way and also, I've also made a great deal. I have a great deal of respect, a great deal of respect for our financial markets. A great deal is kind of like having a respect for a huge ocean that power of the ocean. Should you when you're in and surfing a wave you, you better have respect. Because you're like a little stick in the ocean. The financial markets are big and broad, and they can, they can feel scary. And they can. They can teach you some lessons. And the important thing is that you have respect for them. And why it's so wonderful to have respect is because we live, thank God in a free economy. We woke up this morning in a free economy, put the word free in the chat if that means something to you. There are places around the world where they do not have free economies. There are places in the world where women have no freedom whatsoever, forget about economy. And this is one of the reasons why I'm coming forth now. Because I believe now is the time as and as matter of fact, I'm just going to give you my vision real quick. If it's, if you would like would you like my vision? All right, here it comes. It's those of you who are my close friends, you're going to know you're going to know this to be true, because this is your vision to I believe that women are the future are of all humanity. And I'm here to empower women. And yes, in the money area, because that happens to be my expertise. But I'm, I'm finally standing up to do something about it. I got really upset this last summer, about some things that happened in our country that started to erode the freedoms for women. And I also realized that with inflation, it's going to be more and more expensive for women to be free to make the kinds of moves that we need to make as women and not just for ourselves, but for our daughters. And their daughters. And women have made a lot of progress. But it's not just me. You know, do you remember the Dalai Lama was back in 1915? I think it was maybe 1916? I'm sorry, 2015 or 2016 said that in his opinion that the western woman would save the world. I mean, those were words that were like reverberated. I think you said that in one of the women's summits. World Women's summits and the western woman Why do you think that would be that the western woman? Well, I think it's because we've got the freedoms, and boy, those parts and those people in the other parts of the world that don't have the freedom, they don't really kind of like to see us be so free. You know what I mean? So I think we've got our, we've got some work to do. And every one of us is responsible for ourselves. Well, let me let me say that again, I mean, what Jack Canfield says, we are 100% responsible at all times, for everything that happens to us. 100% We are 100% responsible for our money, we're 100% responsible for the investments good or bad. We are 100% responsible, whether we have enough to retire on or not. We're 100% responsible for everything. And, of course, my friend, Sharon Lechter, her famous quote is we are you are the CEO of your own life. Okay, so who's who's in charge here? Who's sitting in the catbird seat? Who's where does the buck stop? Right here. So I think that a financial clinic could be a really solid, great idea. For those of us who feel the same way. We need to band together and support each other because there's a lot of knowledge and there's but there's a lot of misinformation and Miss knowledge. And I want to know if you agree with this so far, if you agree with this so far. Give me a thumbs up, you're inspiring. Okay, I'm on the right track here. Alright, well, now I'm gonna get down to talking about what I really want to share with you today as a part of it. I'm sharing with you maybe giving you a little taste of one of the issues I feel is very important. And one little taste of the financial clinic. And one of the courses that we're going to be starting with is mindset. Money, mindset, money, mindset, you know, mindset is everything, the way we look at anything, they change the way you look at something. It changes, right? Mindset is everything in life. And you all know this, you've been students of this as long as I have as well. But what we what you may not have been a student of is the know how for money. And that's why we can have a clinic, something that we can actually get in and get our feet wet and hands dirty. Well, maybe not dirty, because we have fingernails. But the thing that I really want to say is that if we can if we can progress together and have learning be one of our pillars of importance that that we can learn. We no longer have to stand on the old, outdated fears that that we just don't know enough, or that this is, this is too big for me. Or you know that the markets are just, you know, they're just too complicated. I'm maybe I'm not smart enough on it too hard. Or maybe, you know, maybe I'm not cut out to have any money. You know, maybe I don't deserve it. Maybe. Maybe I want too much, maybe wanting maybe wanting more money is selfish. What are some of the other things that you've been taught? Ladies? Do you want to share them in the chat? I mean, we can, we can start to cry. But I'm really serious. I mean, we go to medical clinics, and we can be crying in pain. Just as it relates to money, it's invisible. Because we are so good ladies at hiding our pain around money. We hide a lot. I think we hide the realities of our money. We hide around the circumstances. We often hide in isolation, don't talk about it. We don't want people to know. And I'm sure we don't feel like we have enough. We're afraid that we could never learn enough. Maybe we're not smart enough, not don't have enough education. Don't have the opportunities don't know the right people. I'm afraid I'm afraid I'm going to lose, lose the hard money that I've learned I'm going to lose. That's fear loss. Anybody have some other good ones? Getting credit in your own name. Maybe I can't qualify to get credit in my own name. I may not have enough money. But I have loved maybe. Yeah, that's really a good one. A lot of us learn that you can have money or you can have love but you can't have both. Yeah, have you ever felt that? Like, you know, it's either one or the other. But hey, if you have love, you're fine. And that's good. And I believe that is true, too. And I truly believe that we can be rich in all endeavors. We can be rich in our lives, relationships. So financial clinic is also about creating wealth. That's not monetary. Let me repeat that. Money talks for women. Maybe there are other financial clinics out there, I don't know. But money talks for women. Financial clinic is about creating wealth. That's not just monetary. Is that cool? It's creating wealth, in your health. It's creating wealth in your relationships. It's creating wealth, with having the life that you want, living where you want, having all that you want, feeling that you are worthy, and being the very best person that you are here to be As well as being able to finance all of your dreams wouldn't that be good. So the wealth of dreaming the wealth of our spirit, because I believe that we are fundamentally put here ladies at this time on this planet to really maximize not only our self worth but also who we can become so that we can empower others. And money is a part of that money is not all of it, but it is a part of its thank you so much spending only on the essentials and anything else is wasteful boy that that's something we have learned from parents isn't it don't be wasteful. And then here's one I'm too old. There's not enough time left for me. And I think that you know, you can see me I'm at an older time timeline. And so I can I can really relate into it knowing that there are strategies that can apply even for for people who are for ladies who are in a later stage of their life development and still wanting to make some significant significant leaps forward in your financial wellness and in your financial security, and you deserve it. So with that and all of those things that we have been taught what I want to do is just move now to a little screenshare that I prepared for you I can see that it's we have about 10 more minutes to the end of the hour and I'll do my best to get through this I think I can in 10 minutes but here's what I wanted to share with you with who gals pull this screenshare up can everybody see this I am trusting that everyone can see this and if you'll just put in the chat. If you cannot Yes, yes. Yes. Oh good, good. Good. Okay. So in so here's my philosophy. Inside every woman is an ace money manager. That's right. That means you you have more power, more knowledge and more experience than you think. I believe that to be true. Now, recently, I know we all love sales, look at this. This is you know Christmas coming up and end of the year and everyone's out shopping. This is a double deal. Michael Kors, the person's Michael Kors are having a double deal and I this caught my eye enjoy up to 60% and I started looking into it because you know, here we are talking about money and purses. And so I had my eye on this wallet. And this is a great value. This wallet is such a great value add just look up up at the top it says a leather card case and a wallet set that used to be 200 Let me see if I can highlight this $258 Oops $258 It's now $49 And I got so excited about that and I looked at it it's a little wallet and a little case and I got so excited about that. That I I was thinking to myself you know that's a good deal. You know women know good deals when we see it right? We know good deals when we see it. So actually I went out and I bought one and and it's a beautiful it's here it is Michael Kors. And you, you know that used to cost 250 some dollars, but it's absolutely highly, beautifully constructed. Here's, you haven't even opened the whole thing yet. And then is when you open it up like this. It has a an in Insert for cards upside down. I haven't actually taken taken it off yet, but it's got your cards and then it's got a little place for your coins. In, you know, I don't really carry a lot anymore. I just need a few cards and my license and just a little place for some change and a couple of dollar bills. How many of you just don't even carry dollar bills anymore? It's amazing. I mean, everything, everything we do now is on the phone. So in my purse, it's like this is all I have is in my. So my personas are getting smaller and smaller and smaller. Anyway. I have a special prize for you girls. Anyone who would love one of these? And who would be the first to answer a question that I'm going to pose. I'm going to send it I'm going to send you this. I'm going to send you a Michael Kors present as an open house present. So here's the question. Here's the question. How many times have you wanted something? You really really wanted something? And you didn't get it? Because you felt you weren't worth it? 1000s of times. Patricia Barnett, you're the winner. Special credit for you. She was the first one to that first one, too, that. Patricia Barnett is the winner of this wonderful. She She wants the first, the first to respond 1000s of times 1000s of times that's probably true. So we're not alone hundreds of times 30 daily, innumerable many. Congratulations, Patricia. Yes. Congratulations. Hey, don't worry. I'm going to have more prizes throughout the five days. But this is a nice one. So you know. This is a pattern. It's just a pattern of how we think about ourselves. But at the same time, that was a value, wasn't it? Women no value when we see it. You know, when is it? When is it that is the best time to buy a really warm, cozy fuzzy winter coat. When is the best time of year? Anybody know? Summer? Yeah, summertime. Okay, you know that? It's women know these things we know value. So okay, so fill in the blank. When is the best time to buy a swimming suit? What time of year is the very best time to get a good value to get a good value on a swimming suit? For you got it? Faith? Faith, okay. Faith, faith God's? She answered for Okay, faith, extra credit for you faith. I'm going to get you one of these two. Yay, fate. Boom, she was right there. She was right there. She got one. One of these is coming to you. Now what I'll have you do is you can private message me your mailing address, and I'll get this in the mail to you. You may not get it before Christmas, but you'll get it before the end of the year anyway. So yeah, women know value. And they also know when to buy something. And so there's a cyclicality of what we know about value. We know when to buy it certain in certain seasons when not to buy. The stock market is really quite the very same. It's really quite the same. And you know the old adage that buy low sell. Hi. Right. So we know these things. There's so much more that we know that we don't even give ourselves credit for knowing. So we're going to start in the financial clinic, of giving ourselves credit for knowing more than we think we do, because that's going to erase some of the Voodoo mindset, the Voodoo mindset that has creeped in over the years. Here's the Voodoo mindset that says, you know, you can't buy that because you don't deserve it, the Voodoo mindset because you probably have plenty had plenty of money to buy it anyway and spent a lot of other money on other stuff that was even not even worth it and didn't mean that much to you. Anyway, these patterns that we all have, are just patterns. And as we look at patterns newly with a new educated mindset, we can make some progress in our money. This is a for those of you who got my my little preview of the download, and you, you can go on to the site right now and get this, get a download. And this is one of the little charts that I gave to women no good value, and there's a cycle of investing emotions, we know when there's a good time to buy. And in the stock market there is there, there's this like seasons, it goes up and down, and up and down. It's just like a season, in favor and out of favor, in favor and out of favor. Certain industry groups go up when other industry groups go down. It's just a matter of learning which industry groups is in the summer season and which ones are going into their winter season. It's it's a matter of learning which ones have a cycle. But unfortunately, here's what happens to investors, they get into a cycle of emotions, they start out with excitement, they go into euphoria, then they crash and burn, they get into fear and then panic. And usually they sell everything at a panic point. So instead of buying low selling high, that so many investors over time, buy high and sell low, oh, there's a way around that there is a different way to do that we can learn to be calm, confident investors, because emotions don't have to play that big a bigger part in our in our real life anymore. There, there are times in life when it's time to buy this time in life when it's time to sell. And I had looks like my screen isn't working anymore. So I'm just going to talk this through, I was going to show you a chart of 100 years, over 100 years, which is actually exactly the same amount of time there's my mother has been alive, she's now 99 and three quarters. And that chart was was fascinating. I'll actually text it to everybody. Or I'll put it in the you'll get it. But this chart that has the stock market over 100 years, with all of the the little waves taken out so that it's a nice smooth chart. It's almost like a 90 degree, upward motion over time. And it's interesting how the waves that happens throughout that 100 years can be quite volatile. Yes. But wave theory is is something that I'm a student of. And I think that you know, when we think about waves, and learning the cycles of things, just about everything that we know about is wave theory, light, light is all waves, water, the ocean, all waves, the universe is, you know, we're the our planetary system is going around the sun in a cycle of waves. Vibration is waves. A thought a thought is waves wavelengths. The cycles of markets are waves. And when you can think it like that, and emotionally, it's actually quite fascinating how you can start to predict the next cycle, because it repeats itself just like summer and winter repeats itself. So inside the financial clinic, I'm really excited to teach wave theory as it relates to your investments to teach the idea that you can buy when everybody else is panicked. I'll give you a quick example. I know it's a little late if you have to leave. That's okay. But if you're valuing this, I won't take much more. A quick example was remember when the pandemic was just crashing up Up to that point, we had a very strong 10 year bull market since the last recession, which was 2008. So from 2008 to 2020, was the biggest bull market of our generation that we've probably, and we may never seen such as good, but we might. But then the pandemic came, and everything crashed down in a very spiky, kind of a very scary and serious knife falling knife fashion. And I got so excited, I started buying at that time, and I bought, I bought an oil company, and when prices go down very, very heavily, I know, because I'm trained, I know that what you buy, I know what you buy, you buy quality, you buy the highest quality thing you can get your hands on, well, it's no different than buying the highest quality leather purse that you can get your hands on at a low price, you buy the highest quality that you can find. And so, I bought the highest quality investment company at that time in one particular industry group that had been decimated, and it has gone nothing but double since then, because when you when you understand wave theory and cycle theory, it takes the emotions out. Not always, but the we can endeavor, we can endeavor together to help each other ladies to come together and learn what is going to take, what is it going to take for you for you to shift the possibility that you've just been carrying a negative narrative all these years. All of those things that you've been taught, I guarantee you those, those cants and shouldn't send, won't send don't have enough sin, all of that have been handed down to you generation to generation, most likely they're not even yours. They probably you inherited them. And and even if you didn't, you're still feeding yourself the negative. And anytime we do that we're going to be in a real medical clinic. Okay, so what is it going to take for you to change that narrative? I think it's going to take some education, it's going to take the willingness to learn, it's going to take a new decision. It's going to take a new decision. And that's why I had sent sent everybody. What's the number one first thing to creating wealth in your life? It's make a new decision. decide that that's what you want? Do you want? Do you want wealth, decide to be wealthy, now maybe wealthy? Maybe that term is like, Oh, I'll never be wealthy. That's, that's an emotional response. That word doesn't have to have that kind of trauma around it, take the trauma off and just say, what will it take to create a new change in my life, so I have better financial wellness. So I have better financial understanding. So I have better financial know how. So I will be calm and confident so that I will be resilient. So that I will be confident and so that I will be capable. And if those three things are something that you would like more of as it relates to your money and investing, you're in the right place. I invite you to come tomorrow. Come back tomorrow. If you have if you've had some value today put Yes, yes. Yes. In the chat for me, please. Yes, yes. Yes, in the chat, if you've if you've received some value today. And so just to let you know, yes, yes. Thank you. All right. All right. Thank you for staying late to. Just to let you know that tomorrow at our open house, we're going to continue to celebrate and also we've got some more prizes. And tomorrow I'm going to really dive deep into one of the critical components that I think is bugging most women as it relates to investments and And that is, it's too hard. And I'm, I'm going to show you in one hour, an amazing way that you will see, it's as easy as 123, ABC. Easy, easiest, 123, ABC. And I'm going to show you something that's so easy to learn that it'll blow your mind. It will change your mindset. And it will probably, you know, open open some mental spaces for go say, wait a minute, maybe this is possible. Maybe this is possible for me. I'm going to show you something that no one has ever showed you before, because they probably have not learned it themselves. But I have and I've taught it taught it for 15 years. It's easy to learn. It's easy to apply, and you will love it. And it's going to be about how you can become a better investor. Learn what stocks are the very best to buy. Like just like I did in a down market. What is quality? I'm going to teach you in a very easy one hour. How do I know what is quality? What do you love that? If so, come back tomorrow be live. Of course you'll have the replays you can always go to the replays, invite your girlfriends, invite your daughters, this is a really important and invite your women colleagues come back tomorrow and I'm I'm so thrilled. Thank you so much for being here tonight. Happy, happy evening. This is just day one of a five day kickoff. celebrating the grand opening of money talks for women. Financial clinic. Thank you all thank you for staying. See you tomorrow. Eight o'clock Eastern, five o'clock Pacific. That's tomorrow night only. And then on day three, four and five. We shift to earlier times in the day. Then that would be four o'clock Friday Eastern for four o'clock Saturday, Eastern. Four o'clock Sunday Eastern. So one hour a day. For the next four days. I'm so excited. You can't believe what I've got planned for you. It's gonna be fun. See you tomorrow. Bye