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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.
Find out more! https://lynnekitchen.com/dec-22-event/
Money Mentoring Programs for Women.
Sign Up Here for My Newsletter and Receive:
Lynn’s Free “Money Starter Guide”
Schedule of “Money Talks” Courses,
Webinars, and Special Events
Invite to Café of Dreams Events
Links to Videos
Podcast/Radio Notices
Personalized Q&A, plus what you learn here helps you make smarter money decisions for a LIFETIME. out more! https://lynnekitchen.com/dec-22-event
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.
Hello, hello. Hello. Thank you. Thank you for being here. We're celebrating again day three. Day three welcome everyone open house. Yeah to celebrate right open house. This is a this is something new we're creating together. So welcome. I'm so excited to have you be with me. Why don't you take a moment and say hi to me in the chat. Please put your name. Hi, everyone. Hey, Mary Claire's back. Thanks for being back. Patricia is back there. Three days in a row. Gosh, I'm what I'm so so pleased. Suzanne. Sara. Barbara, I can see Barbara Pamela. Now this is our big, this is our big Friday. kickoff. And I'm just so excited to see you and those of you who are joining in the replay. You are so welcome. I've got so much fun baked in the cake for you today. So thank you all for being here. This is this is a special day. Why is because we've been through day one, where we talked about mindset, money mindset. And we talked about how we can really shift that mindset. And day two, we did some dancing in the streets with 123. ABC, it can be easy as you please. Right. How many people enjoyed that? How many of you enjoyed seeing how you can make some of these highfalutin money? Principles? Quite easy, actually. Did you feel that way? Me Me. I loved it. Very clear. Yesterday was amazing. ABC easy as 123. Patricia? I know. Suzanne said yes. Heather said I did that. Enjoy. Yeah, I'm so glad that. So do you really feel like if you had somebody to explain things and to take all of the to take all of the confusion a way that it would that it would help you? Let me ask you that. Would that help you? Yeah. Great. You know, I think that that's just one of the things that Wall Street and the real estate, industry and money in general, they just love to make things so complicated. And unfortunately, I think it's been one of those industries, of course, male dominated, but that's okay. It is what it is. The complications, maybe a little bit on purpose, just just to keep everybody else, you know, the experts have to feel as if they know everything. And then everyone else is, is is supposed to be Oh, yes, you're such an expert. Guess what, I really believe that this is an opportunity to shift that paradigm, would you agree, we can create a financial clinic for women, that stands for our own empowerment, and when we step into our own empowerment, and actually take some actions to take the complex and make it simple. And we begin to see that, wait a minute, maybe it's been we've been fed a bill of goods that it it's not that complicated, we can make some some progress forward. And we can do it together. And also, it doesn't have to be expert, and then everyone else, it could be everyone together. I really believe that we have so much knowledge ladies already built in to the experience that we've lived as consumers and as just value creators, as women, we create so much value, whether it's monetary, but out value, spiritual value, relationship value. Those of you who've had children, you are, you know, creating value into next generations and next generations. beyond that. We are creators, we are creators of value. And so my vision really for the money talks for women financial clinic is that those people who are in the clinic each quarter, let's say, just you know, is it like a unique constellation, but we bring, we bring our value to it so that we can actually mold and shape the value that we each receive from it. And then that creates a living presence as, as we matriculate through the, through the clinic to gain more and more wood. Does that feel good to you? You love the value ideas. Suzanne? I do too. There's Denise. Hi, Denise, I'm, I'm with you. Great. Great. Let's go girls. Let's go girls. Yes, yes. So you know, value is important. And we not only want to create more value, right where we are from where we are beginning. But we also want to have the value that we create in the world the impact that we all want to create in the world. And I know everyone who's here has big dreams in their heart, am I right about that? Big dreams in your heart, big impact that you want to make on the world, in your own world, but also in the world. And what better way than to really look at the power of resources, becoming resourceful, but having an opportunity to create our own resources, and use what's available, the knowledge that we have, and the knowledge that we can learn. So that we can build something that lasts build something that lasts Oh, yeah, Faith said, big dreams, big dreams in our hearts. You know, how many of you just have not had the resources that you wanted to invest in your big dreams to? You know how, like me, I've had big dreams on the back burner. And they're going to take some investment capital, or they're going to take some relationship capital, I'm going to need to meet the person that can maybe open the door, or I'm going to need some kind of an opportunity to open for me. And all of that can open when we put our dreams in the front. And then we begin to see what it is that's that's required in terms of monetary application and investment, what's it? What's going to take? What's it going to take, and then go frontally don't hide, but go frontally and so I really think that together we can take a lot of you have been in dream building courses, you've been in law of attraction courses, you know, we we've been around the this is not our first time. You know, we're not just new off the applecart. You know, and I think that we have a lot to share, but we have like the next step to go. And I do think that the the one thing that we can do together and what's missing is to go for the money to go for the money. How many of you would really love to have the feeling that you have financial security, that you have your retirement amount set, you know that you don't have to worry about where to find the assets that you need for your next big dream? You don't have to worry about your future 80 year old self? Wouldn't it be great if your future 85 year old self and maybe even a 90 year old self? Can you imagine could you just kind of fast forward for a minute with me right now. And say, as my future 80 year old self as my future 85 year old self as my future 90 year old self I feel so happy and grateful. Now that I have life i i always dreamt of. I have freedom. I have everything that I need. All of my needs are met, all of my financial needs are met. I'm not a burden on my children. I'm absolutely so independent and financially free and I have all the assets built up that I need and needed so that I can really either leave a legacy or I can leave leave something to a charity organization that's close to my heart. Or I can I can just feel like boy, I I did it. I built the company that I always wanted to build and here I am. Can you see yourself in that picture. As my 120 year old future self, I have vent. All right. Okay, now Suzanne, Lis, look, I just wanted to say to you, I love you, you are just the best. Look at this, this is a crystal ball. This is a crystal ball. And it's like we have the future in our hands. today. We just, some of us just don't know it, but we do you have your 120 year old self is already in your hands. Suzanne, I just think that you are the best for having said that. So I want to send you this crystal ball, you get a crystal ball. I mean, I'm just so impressed and inspired by what you just said, because that's, that's fantastic. I'm gonna send you this crystal ball. Would that be fun? Now this crystal ball is not for you to look inside and say now which stock which stock do should I buy and which one is going to go up 40% In two months, this nine with this crystal ball is for okay? Is because it won't work that way, you know, might as well throw it away. But what it is for is for you to see your future self today, and all the dreams that you hold in your heart, that came to be true because you took a few action steps earlier. And you started to take yourself, put yourself in the center of the stream and say I'm important and say my money is important. And knowing that money is just a vehicle to get to where I really want to be and have everything that I want to have. And be all that I want to be future self. So Suzanne, put your email me with your address. And I'm going to send you this amazing crystal ball. And then now stay tuned, everybody because we do have some more prizes for the open house. This is day three. And I'm so happy that you're here. So and I'm I'm so happy we patricius go, you are going to be 110 Well, you can still be 110. Okay, but I'm inspired to Susanna was 120. That's why you get that's you get the prize. We're all inspired by you, I want to hang out with you. Okay, I want to hang out with people who think like you do. Well, I have some more goodies for you. Today, we're going to talk a little today about another piece of the puzzle that you'll be learning about inside the financial clinic. And then I'm going to actually open the doors today. Today, today is open door day. We're opening the door for the financial clinic, and we're going to begin to accept enrollment. And I'll tell you all about what that means a little bit later. And then you can kind of see if that would be a perfect fit for you. My house in 50 years, Sara is imagining her house in 50 years, why not? Heck yes. Where do we want to all be living 50 years from now. You know, this brings up a really good point how are we going to have our money grows so that we have everything that we want a beautiful house 50 years from now and we are not in a nursing home right we are not sitting around with an a rocking chair in a nursing home. dependent on others. We have our own autonomy and and we have everything that we that we need that is in the vision that we want to have. And that means all the assets to make it possible. And so what if this is the day that dream actually became a reality because it actually pivots on making a decision for your wealth. Making a decision that that means me that you can actually say wait a minute, I'm the one who I'm the one who wants that. I want that. I want to get better with my money. I want to really have more money confidence. I want to be the one who's making More better money decisions. And if that's the way you feel, boy, you're in the right place place, because that's what I am really excited about building for you and with you, for you and with you. Because if we don't do anything alone, that's really a worthwhile. So let me get started on the money talks for women. This is our theme, this will become your theme to yoga, you'll start to really believe in this yourself, and you'll start telling everybody else to Hey, did you know that inside you is an ace money manager? Did you know that inside every woman actually is hiding maybe. But it's they're an ace money manager just waiting to be empowered, because you have more power, more knowledge and more experience than you give yourself credit for, then you think maybe at this time, but just wait a year from now you're, it'll be proven unto you, you will be changed, you'll you will actually look around in your outer money conditions, and you'll see a change, I am quite sure because I'm just feeling it already how powerful this could be. So these are the five areas that these are called asset classes where we can use our money to create the dreams that we want. Now on the left hand side is growth that's in the blue column. That's where you're going to make the most money the fastest. And that is where you're going to have a little bit more risk, you have to have higher risk tolerance, to invest in that in those categories. And those categories include the United States, large company stocks, small company stocks, international stocks, of all kinds, both large and small, and then emerging markets with quite a bit of risk in the emerging market area. And yet, you can't believe the growth that's happening in India is one of the biggest, fastest markets probably going to be exceeding and out performing China in my in my perspective, and I do have my own crystal ball, I want you to know, anyway, um, the next column is growth and income. Now, growth in income means a little bit rest, less risk. And it's a combination of growth and income, where you are investing, wanting your capital to both grow and you're wanting some income from it. Now, that includes the distribution of the categories. United States, high dividend stocks, that would be the probably the best investment is, especially if you're in your 50s 60s 70s 80s, maybe not so much 80s. But maybe if you know, you can have some diversification here. I'll get into the diversification in just a second. But then international high dividend stocks, you know, high dividend stocks anyway. Now, United States real estate, the investment trusts, Rei T's is that's real estate investment trusts, international investment trusts, and of course, then master limited partnerships, or MLPs. Now, those are particular assets that, for example, Rei T's is something very specific, doesn't mean that you own one piece of real estate, it means that you own a portfolio of real estates. And somebody else, of course, is managing that port portfolio for you, but you are an investor in it, and it gives you high investor income. The third column is income in the bright turquoise, lead in the led by investment grade municipal bonds. And, of course, municipal bonds are bonds that are issued by municipalities. They tend to be tax free, both federally tax free and state tax free. So if you're looking for income, that you don't have to pay taxes on you, we would really start to study the municipal bond market. Very, very interesting municipal bond market. United States securitized bonds are a whole group of bonds of themselves that are backed by secure assets. And those assets can range anywhere from real estate, or it could be secured even by cars, automobiles, it could be secured by railroad cars. It could be it could be secured by ships. There's all kinds of securitized bonds out there. It's a huge field. You investment grade corporate bonds. Those are the bonds that are issued by companies that are public companies in the United States that issue bonds that carry income for you, then you have the high yield corporate bonds, high yield, corporate bonds have higher risk, but they also pay higher, then, of course, you can have bank loans, preferred stock, which is a quasi combination of a equity and a bond. So, it can't be absolutely a specialty area in and of itself. But it's it gives a great deal of income, you have to be very careful, though. Then the fourth column is inflation protection, bonds. Inflation erodes our buying power. And so if you just leave it in a bank, yeah, you're going to have less buying power 10 years from now, just because that's what happens in inflation. So there are ways to buy bonds that are inflation protected, I'm going to cover that in just a minute. But the other way to protect yourself against inflation is that commodity asset class commodities is such a huge broad area includes gold, and silver, and platinum and all those. But it also includes corn and grains, and cotton and sugar and my goodness, all kinds of things, copper. And then the last column on the right in green is are the defensive assets. And of course, those are the ones with the least risk. cash, cash is taking, you take no risk at all, except for the erosion of your buying power because of inflation over time. But there's no risk. And then United States treasuries, high, high safety, low risk and international developed country bonds, I would argue that there's quite a bit of risk still right, in that gold and other precious metals, they are defensive in nature, there is risk, but they're defensive in nature. So this is kind of gives you a quick overview of the different asset classes that we can be covering. You know, we could probably be in the same school for a long time. But we we don't have to learn everything. Ladies, we can pick what we want to start with. That means the most to you of what it is that you want the most of if you want most income, that's where we can start to, to concentrate on. Now, let me see if I can forward this. Yes, let's talk about income. And let's talk about the safest way to create income right now, because we are in an in a high, high and higher inflationary economy, which is kind of a shock this year. 2022 shocked the whole markets because we went from really a 2% interest rate to quickly, quickly 4% and we're on our way to five, shortly. So how do we protect our money? Well, it one of the good ways is called an eye bond. And you can go to the this website Treasury direct.gov. Gob. And you can start learning right there. It's an amazing resource of information on the bonds that are available to us that are issued by the United States government and backed by the United States government. And so it holds the highest safety ranking, backed by the taxing powers of our nation. For that reason, it is triple A rated and there is no other triple A rated there are no securities no companies that receive a triple A, they might have a a double double plus, like we talked about yesterday, a plus plus, but only the government has a triple A rated anything. Well, the eye bonds right now are yielding 6.89%. That's pretty good, isn't it for your cash. And that is a basically it's a 30 year bond. And there are some caveats. You have to hold this bond a minimum of one year there's a holding requirement in order to receive or start receiving that 6.8%. And there's a few other caveats. You have to hold it beyond five years in order to get all of that 6.89% If you sell it between year one and five, will you give up just a little Bit not a lot, you just give up the last three months. But if you hold it for a whole year, let's say two years, this is a lot, pretty darn good interest where where can you get that interest at any bank right now that has no banks have this kind of a security backing, triple A backing. That's why I bonds are used for people who want to save money for retirement, but also people who want to save money for known investment expenditures that are coming up in the future. For example, if you're saving to send a child through to college, and you know, you're going to need a certain amount of money, three years from now, or let's say you have a five year old child, they're going to start college in 15 years. So you have a 15 year term. And you want something that's that comes due exactly 15 years from now you can actually buy a an AI bond, if you want absolute safety. And right now, you'd be getting six point almost 7% It's an amazing way to earn no risk on your money. So you can learn more about that. And then tips. It's called treasury inflation protection securities, they come in various terms five years, 10 years, 30 years. And the way that works is that as you own them, if inflation goes up, in then the amount of money that you receive at the end, when you cash it in, you actually get more money because it's adjusted upward for inflation. However, if inflation turns back around and starts going down into deflation, which, you know, some of the pundits are predicting that it as early as a year from now, maybe a year and a half, then this could be adjusted downward for deflation. So it goes both ways, and a little bit more risk involved. But that is a great resource for you to take a look at ladies if you really want to grow your money with very little risk. Now, we spoke yesterday about dividend stocks and this is a quick portfolio that I thought I would show you. And this portfolio actually is developed by Value Line remember we talked about Value Line yesterday being a resource, an amazing resource for you to learn value line actually creates portfolios for people who want particular portfolio portfolios built for them. This portfolio is one filled full of stocks with above average yields in yield is that the dividend yield how much money that you receive back as an investor. And what I think is really interesting about this, let me see if I can get my little and annotation drawing mechanism here. This look at this financial strength and safety. Look at this safety. Remember, we studied 123 Yesterday, these are all ones twos and threes. And then look at this financial strength a B plus A, all the way down there. These are high quality companies that value line has actually brought put in one page for you. And then you know, so these are really quite dynamic and they're all in different industry groups, you can take a look at SOS, you got some good diversification. Let's see what kind of yield dividend yield you can get. Here's 3.2. For your I am on this column here. And these are the rates kind of the rates that these companies are paying right now. 4.4 2.1 3.1 3.3 5.0 5.7 some of these names you might not be familiar with and some of them you're very familiar with like Merck, Pfizer Prudential Financial 3am company United UPS United Parcel Service. So these are companies that if you have a diversification of the these companies, it looks like if you had this company in your this portfolio looks like that would be averaging somewhere around 4% If you had all these and then you can look here to a projected three to five year dividend growth. In other words, how fast are these companies growing their dividends over time? And that's kind of an important measurement also. Now before I go on, I just have a little disclaimer to read to you because I I am understand that, you know, I'm putting up. I'm putting up some names of companies, but I've been advised to read this too by my attorney. Okay, so this is a little bit a disclaimer, this material has been prepared for informational and educational purposes only. It's not intended to provide and should not be relied upon for investment, accounting, legal or tax advice. investing involves risk, including possible loss of principal. So opinions and estimates offered constitute my judgment and sub are subject to change, without notice, as are statements of the financial market trends, which are based on current market conditions and believed to be my opinion only. So we believe the information provided herein is reliable, but do not we do not warrant its accuracy or completeness. So that's a little bit of a disclaimer, you know, have that has we have to put that in otherwise, we just wouldn't be kosher. Good lawyer, right. Olivia, will you email us a copy of this form? No. Yes, I will. Okay, I could do that. I could do that just for you, Olivia. Okay, everybody who's present in this live day three event, I will do that for you. It's one more gift I'm going to give to you. Livia. Thank you for asking, that's really cool. And, yes, jamesy, you can find it can find more of this on my website. Okay. At any rate, those ideas of income stocks are prepared for you as a little taste of what's waiting for you inside the financial clinic. But I want to say a word about pitfalls you need to be you need to be aware. And this is part of what we also want to bring full circle. To learn more about money is also to increase your awareness. And increasing your awareness means that we want to increase our care. being more careful, more vigilant, while we're becoming more active is extremely important. Because as you all know, there are pitfalls everywhere, disruptions happen, things change, do you realize the number of industry groups that have been disrupted in the last 10 years, we can just look at the taxi industry, completely decimated and disrupted by Uber and Lyft. Even zoom that we're on has completely disrupted much of the telecommunications that used to be with corporate, you know, the way that corporate people would communicate with each other. So zoom itself is a disruptive influence. So things change over time. And if you are invested in an industry group that is ripe for disruptions, then you'll you need to be aware and be vigilant and have be ready to take to take action. Dishonesty happens. Also, there's a lot of illegal activity out there. As you all know, and it happens not just in the stock market, it happens in the real estate market. It happens in government. It happens everywhere in our economy, partly because we do have a free economy. And I'd have it no other way. Because really, if we didn't have a free economy, all it would be is graft and corruption anyway. Or worse. So when we say that we have a free economy, and we do have to deal with these things. And of course, we have to be on the lookout always for disreputable people who have fraud and malice and scandals do repeat themselves. But you know, we can look to books like The Intelligent Investor, which is Benjamin Graham's Bible. He was the first person who really looked at how can we find principles, investing principles that will override the you know, the greed factor because there are ways to really learn proper investment. I had this chart here that I want to talk to you about only because this is a company back when when I was managing money as a professional, that was deemed to be probably one most triple A was when a plus plus 4.0 company for years and years and years, decades and decades, it was the darling of the institutional crowd. Every institution, every corporation owned this company in their portfolio. It was the darling and it went bankrupt because of malpractice and disrupt this disrepute and look at the chart, it absolutely took a, you know, it was at the very tippy top at in the year 2000, that was at the peak there. And then it took several years for really, for people to realize the damage that had been caused. And a lot of that, can, you know, a lot of honest people were working in this company that got that got burned. And needless to stay there, they were in cahoots with people in the accounting firm, I think I forgot the name of the major, major accounting firm that went under as a result of the failure of AIG, American International Group. Does anybody remember the name of that accounting firm? And now you're right, Suzanne FTX. Crypto is, once again, it repeats itself. So it's important for us to understand, not all things go right. And we can do the very best that we can with the great greatest intentions. And we can also be experts in our field, and we still make mistakes. So what do we do about that, we have to diversify. And the diversification means that if if we lose some money in this asset category, we hopefully make it up in another and over time, and time being our friend, time being our friend. And I have chart a chart to show you how time, the time value of money I don't have time today. But we'll start that in the beginners class, the time value of money and and what it means. Even if you don't have that much time, left, and I don't want to make that to be, you know, to sound scary. But if we just if we haven't done so well in our 50s. And we don't haven't saved a lot. And we you know, we're looking at the last half of our life. And we're saying I have some catching up to do. There's, there's you know, relax, relax, you still have the time value of money after all, we could be living to 120. Right, Suzanne, okay, so, but there are ways that you can learn about the time value of money. And also make sure that we don't have that or that we have enough diversification that we that we're not we're not totally at the prey of the prayer mantises that are actually out to take us. Now, one last word on that is that I believe women have been victimized enough and long enough as prey, and mostly older women. I live in the state of Florida, we have probably the worst track record of people who prey on elderly people, and in particular, women, elderly people, and it happens all the time, every day and in lots of different ways. And that's part of learning how to become educated, not just with learning investments, but also learning basic money skills, and you know, learning the pitfalls, what to look out for, how to look forward into what's the best way to forecast your, you know, your gains over time, how to lower your tax bills, and all of those wonderful things. That takes a lot of patience and learning. And guess what, it happens incrementally over time. You just get better once you start. How many people feel how many of you right here right now would really characterize yourself as feeling like you're starting from the beginning kind of like this is fresh information to you. Do you feel like there's a lot to learn? How many of you feel if you if you do baby stage? Yeah. Baby stage. I'm starting at the beginning. Okay. And I love it. You know, a new dawn a new day. That's right. In New Life, and if you feel like you're starting from the beginning, I've got good news for you, we're going to have a place for you, we're going to start from the beginning, for all of you who feel that you want to start in the beginning. And sometimes someone who has had quite a bit of investment experience, and maybe you've had some, and maybe some of the investment experiences that you've had have not been positive, shall I say, and you might feel as if you need to go back to the beginning and get back to basics. And I think that could be a good thing. And that would be a wise thing for you to, you know, check in with yourself and see, no, where am I. And then there are those of you who may be very, very astute investors and have quite a bit of investment experience. And I applaud you. And I also challenge you, because this is an opportunity to come together with the idea that you could be working with someone that has a way I do have a 34 year career in the actual professional money management business. And so I have a, I think, a unique perspective that I can bring to you, such that when you are working with your professional money managers, and you're sitting in their offices, and you're saying to them, you know, explain to me what you think that a year from now, you'll be investing in my, my, my money and and you listen, you'll be able to discern, because you'll be able to learn a little bit more about what are the what are the current trends and what what are the ups and downs. And I think that just the plain, higher education itself will shift and change who we are becoming. Do you agree with me? How many of you if you if you feel that way? I'd love to just you know, put a thumbs up or Yeah, I agree. In the chat, Mary Claire, yes. There's a yes, there's a thumbs up. There's a thumbs up. Okay, well, you're in the right place, you're in the right place. A cool, your higher cool. Oh, so great. I see a lot of great friends and colleagues here. And I want to say thank you. And before I be open, the officially opened the door to Money talks for women. I just want to put a shout out to somebody who's near and dear to my heart who's actually present here. And that is my very good friend Patricia Barnett. Patricia. Hi. I'm Patricia Barnett. and I were part of a coaching program where four professional women got together and called ourselves the four names. And we coached women, health, wealth, let's say health, wealth, love and purpose. And each one of us took one of those themes, and we we we coached women for several years. And we actually produced a book together and this was our book, Wealth Mastery for women 12 laws to create wealth starting to date, and I along with Patricia Barnett. Patricia Barnett is a contributing author and I am a contributing author and the four dame's authored this book along with another professional colleague of ours, and so Hi, thank you so much. Patricia is with us. Thank you for being here. Patricia. Shout out to you. So this is the moment that we've all been waiting for. It's done that okay. I am officially opening the curtain has done that. And we are opening the money talks for women. Financial Planning right here and now. Welcome everyone. It is what what time is it in 445 in Eastern Time, perfect time. I'm just so excited and pleased. Let me tell you what I've got in store for you. I'll show you what I have in store for you. I'm showing you right now a copy of my website. And all you have to do is go to financial clinic right here, click it financial clinic and it will bring you to this page. Oops financial clinic bring you right to this page. And as you scroll down, you can see that I have planned for you a mentoring program and this mentoring program. I intend to change your life and to last a lifetime. And that's what education does. It lasts a lifetime. So I have three categories that I'm I'm crafted a beginner, intermediate, advanced. And then over here on the right, a platinum. I'll get into that in a minute. Let's take a look at the beginner category. And you are all invited. If you feel pulled to this category, just just check in with yourself right now, what I want to do is tell you that there's only one course being offered here, it's the same price for everyone. And then without your having to decide, oh, Where do I belong, I will get on the phone with you. And together, we'll just make sure that we have you start in the category that's perfect for you. So don't worry, don't fret, as long as you're enrolling. It's the same enrollment price for everyone. But you get to then determine what's going to be the most comfortable place for you you to start. And I'll help you with that. We'll just get on, we'll in the next couple of days or so we'll put a phone call together. And we'll just talk it out and say what do you feel like? Everybody's different, so I'll have a chance to help you. So the beginners is program is an introduction to the basics. That's the basics. Back to the basics, we're going to start with value creation over time, that's the time value of money and how you actually create value build assets over time, I'm going to give you some money metrics. And that will be obvious once we once we open the door, you'll be receiving all kinds of of workbooks that you will be asked to fill out and measure your money. And then I'm going to help you with the rudimentary planning and goal setting. Now, this is I'm going to stop my share just for a quick moment. And I want to show you what that means. This is like one of the handouts for the beginners. We're gonna start like where I am today. And I'm going to give you a lot of tools to work with where I am today. And the personal goals and milestones. There's there's it's this is a great even if you're an advanced person to start recalibrating. This is like calibration one on one calibrating your dreams as it relates to money. But then, in the in the beginners course, we're going to talk about value, your different value steps, what's important to you, what do you value most, because investing is a lot about what you value in your heart. And you know, we can actually invest our dollars in in things that create value, some industry groups are going to be more of value to you more of interest to you to invest in than others. And so you can be measuring that. And that's what we're going to be beginning in the beginners class. I'm going to go back to my screen share now. Come on, there we go. Now the structure this is going to be one month very short. It's going to be the so this is not going to be a huge thing at this at the beginning. And I want you to feel like you're going to get a head start quick, a quick head start. So we're going to take three weeks, and I'm going to have this structured on well it says here every Monday, the first second and third Monday of the month, however, that's flexible. If the majority of the beginners want a different day, we can do that. So don't let that hang you up. But we'll have the first second and third week be a course in which I'll teach for 75 minutes those courses and you'll be on it it'll be a small intimate group live with me teaching and then what after that on the in the last week, I'm going to give you a private one on one calibration consultation to see what I can do to help you personally given your particular needs and where you are and where where you want to go. And then that will help you to determine at that time, if you if you feel like you want to matriculate into the next level or the next level is going to be the intermediate level. By the way, everybody will be getting replays, workbooks and so forth of These talks now, the intermediate level is where we're going to begin money management, success principles, a little bit beyond the basics, we're going to start talking about decision making skills, asset allocation, so that we can learn how to create diversification. We can start studying industries, which industry groups move at certain times. And, you know, like the, the wave theory that I spot the spoke about, on the first day, we'll start looking at that. And it'll be the introduction to charting how that we can see those charts and see the waves and the action of the waves and make decisions based upon what's happening in the world in different industries. I'll start teaching the basic portfolio building, how do you build a portfolio, and then of course, future rising your wealth, which is going to be very exciting, future zation of your wealth, so that you can really get an idea of how that happens, how you can structure asset upon asset upon asset that builds wealth, how much that's going to need, how much you're going to need and how long you're going to need to build in order to create what you want. Now, this is a three in one structure as well. So this will be in this case, I put for the intermediate group will be the first, second and third Tuesday of the month, for example, well, I'll get together with the intermediates. And we'll just make sure that that feels good to you. And also, that'll be for 75 minutes, live small, intimate groups, you'll have a chance to talk with each other, get to know each other. And be in the presence of like minded people who have this human burning desire in their hearts just as much as you do. This will be the progression teaching over over this period. And you'll have workbook assignments and of course replay. And again, I'll be crafting a private one on one calibration consultation with you at the end of that month, your first month in the intermediate to determine how I can help further or if you would like to go matriculate into the advanced group. So then the advanced group, some of you may actually want to start here if you have sufficient background. So I'm going to start with you right where you are. And advance advanced group, we're going to actually do a lot more advanced wealth creation. That includes industry analysis, portfolio construction, charting, balancing, projection of future wealth creation. And once again, the structure is the same. It's a one month course, the first three, in this case, Wednesdays so I was envisioning myself, teaching the beginners on Monday, the intermediates on Tuesday, and the advanced on Wednesdays. Now I know that that might get a massage. So don't be worried about what day the week we're going to do this. But I'm going to say this, we will be starting the first of the year, in January, in January. So put your pencils together, look at your your calendar, and see what feels good to you. Because this is an opportunity given to you to expand your consciousness at whatever level is appropriate for you to begin. And now I'm just going to jump into what I call the platinum and just talk with you a little bit about what I'm offering for those of you who really don't want to have a group experience. I get it that's fine for you. I'd be happy to have private consultations anybody and and you can have private private consultations with me and money mentorship, private one on one, even if you are in the group, so it may be I want to offer private consultations, money mentorship. And that can be there's quite a wide range of consultancy services that I'm offering personally, that can go from something as simple as a portfolio review. You may want me to just do a one time only portfolio review kind of looking over your shoulder to see if you're in the right place at the right time and kind of it depends on on the the level of complexity how many hours that would take and then there could be you may want me to work on a project with you a consultation of a project and of course Those projects can vary. And the fee would be based on that variation of time and complexity. And of course, then it could be ongoing mentorship consultation, where you could retain me with a retainer on an on a timeframe needed basis where I would actually hold your hand talk through investments that you're considering, I never make recommendations, I am not licensed. So I am no longer at making advisory recommendations on what to buy and what to sell. But I can make legally I can make advisory information on the overall state of the economy. timeframes and what the winds, the winds are certainly something that a lot of people need help with. So this is available to you if if and, and when you need, if you want to just talk with me about what that could look like, there's a little calendar down below that you can just, it's a little Calendly. And you could pick a time and we can just explore that together, if that feels right to you. So really, we're opening the doors, and you have an opportunity to start in January, whether it's the beginners, intermediate, advanced, it's going to be a one month structure is I think it's a three, it's three and one, three, and one where we do three months or three weeks of of learning. So my training in a group atmosphere, you get to ask questions of your particular thing, things that are real time conditions, money conditions for you. I will be there to answer but also i'll be teaching. But there will be plenty of time for me to teach as well as answer q&a And, you know, laser coach, all about your money. And then the last week, we will have a consultation where how, you know, what did you learn? How did you? How did you feel about that? What what do we need to, you know, go forward? Or do you feel stable enough to move forward to the next group, and if so, then we matriculate you to the next month. So this is month by month. At any time, if you didn't like that month's experience, you don't have to come back. And if you would rather go one on one, as I said, I'd have that also for you, I just did want to say that the one on one has a range of fees. And that would be we would need to discuss that in in person. And it can range anywhere from$500 to $5,000, depending on the complexity of of how you want me to be a one on one mentor for you. But the classes each month classes, a three in one, which allows you to have all the replays and forever have this information that you have learned for your future itself. I have been advised that you know with the amount of time that I'm going to be actually live teaching, and live consulting, and also the amount of time that I'm putting in with my expertise, I've been advised that I should charge you know,$2,500 or $1,900 minimally. And I didn't want to do that. Because I feel like this is really important enough for me to have women get going let's get let's get us are going let's get going. Let's don't have money be an impediment. So I'm, I'm launching this as an introductory inaugural price that that are for $479. As in this is just, I think, a steal. And I'm just so really excited to give this opportunity to everyone. Now we're opening the doors for enrollment. Anybody who wants to enroll, we will be speaking I will be speaking with you personally when you do enroll. And all it takes is to go to the website and I think that my team is putting the website up here right now to enroll. Here it is to enroll, go to Lynn e kitchen.com. Forward slash product forward slash clinic dot enrollment. Now I know that's kind of a long one, but you can just click that now if you would, and just see what that looks like at least you'll have that for yourself. Now That is a one time enrollment fee that is refundable to you if something happens and you cannot complete that or if you are are dissatisfied in any way, shape or form. I have a 100% refundable personal guarantee that if if you don't feel at the end of that month that you have had significant insights, learnings, advances and understandings about yourself and about your progress with your money, then I absolutely will guarantee to refund your money. So this is a what they call a no risk opportunity for you. All right, I am putting my personal guarantee behind my words here. Because this is a time that I feel so impassioned. To begin to help women now get their money in order. Get going don't let anything stop you anymore. Don't put yourself on the backburner anymore. Especially as it relates to your money. What do you what do you feel about that? What do you think about that? I mean, give me some feedback here. I'm putting my my whole self out here on the line. And I want to know, how do you feel about that? And I don't I don't want you to say our Mondays good Tuesday? No, that's not the decision right. Now, the decision is, would you like to enroll? Would you like to work with me? If so, the enrollment is $479, it's going to be three weeks of amazing learning plus a one on one calibration with me. And then you get a free entrance calibration. As soon as you enroll, I'm going to get on the phone with you and we're going to see, are you good for beginner? Are you best in intermediate? Or are do you qualify for the advanced and you may not know that right now, it's and I think it would be good for you and me to talk and we can make sure that you're you're you're putting the exact category, that's going to be the very, very best for you. And those of you who really feel like you might be you know, advanced, but you you want, you want some of that training, and you want you know, the financial planning aspect of it so that you have that dreams, dream casting for the future, you can start at the beginning. Also. We accept everybody, we accept any level. And what we want to do is give you a pathway help you have a journey, help you see yourself go from beginner to I mean, how would it feel at the end of three months, let's say you had back to back matriculation through three levels. And you and you did it in three months. Now you might wait a month in between it doesn't matter. But let's say you did it in three months back to back the end of three months, you will not recognize yourself. In terms of my guarantee, either you're not going to recognize yourself how much you now have an expanded awareness. And also, you will have started taking some action steps with my help on in the direction that that is best for you. And making sure that you are well. You know that that you have somebody who has the professional expertise looking over your shoulder and looking at your particular situation. And that's really worth a lot more than I'm even pricing into this equation, believe me, and I know that you understand the value because inside you is an ace money manager you already know the value of this. So if you do, I want to invite you to enroll and I want to say that I have some bonuses. First of all, the first three of you who enroll the first three of you can we who enrolled we get those first three clicks boom, boom, boom, I'm going to give you I'm gonna send you I'm gonna send you I am I'm gonna send you your own crystal ball for your future self. This is to see your future self with. So the first three enrollees receive a crystal ball. In addition to Suzanne and Suzanne, you can't have to if you enroll Are you just? Oh, well, yes. Okay, I'll give you two. If you're one of the first three, Suzanne, but you have to be one of the first three, then you get to because Suzanne already won one. Okay. So the thing that is so exciting to me is that I'm also going to another bonus. And this is going to be a one time only bonus. If you sign up between now and the time we close the open house, we close the open house on Sunday. Now you got two more days with me. And the next two days are going to be all your opportunity to ask me questions. Now I know that you've served several of you have been asking some questions in the chat, and I've been too busy talking. So I haven't had a chance to see those questions and answer it. So tomorrow and Sunday, are your days to ask me any questions they can be? I would like those questions to be in particular about the course and what you'll be learning in the course. And I can answer those questions. But in addition, if you have questions about the economy, questions about stocks, question about, you know, gold commodities, anything, the next two days are your days on, I invite you back on day four, and day five, anyone who enrolls between now, which is open door time, we're opening enrollment between now and when we close, which will be Sunday, well, actually, we're going to close officially, Monday at noon. So that's our official close. And when we close, nobody else gets in, nobody else we're going to be closing. And that's it. And then that'll be just my group of people, I'm going to hug and kiss on you. And we're going to, you know, we're going to make sure that we have great intimate groups where we will learn a lot. And here's the bonus, anybody who enrolls between now and closing, open an open house, I'm going to invite you into a year and prepare your money for the year and session. So it'll be another 75 minutes with me before the end of the year. And you're all going to be in that whether you're beginner, intermediate or advanced, everybody who signs up doesn't matter what level, you're all going to be in that. And that will be the last week of December between Christmas and New Year's. And most likely, it'll be on a Tuesday or Thursday night to be determined kind of we'll just take a poll, but it will be a an opportunity to really hone in on what do you need to do for to close the year 2022 And get ready for 2023. Now there are some specific things I can be teaching in that hour, hour and a half. And those things include year end, your year and year end tax harvesting strategies, which are a little bit complicated. And, and you need to do those action steps before December 31. So if we have this class in advance, and I'm thinking Tuesday will probably be the very best so that you have the rest of the week to actually take action and execute on some of the ideas I'm going to give you. These are professional money management ideas. It's going to be talking about your portfolios and making different balancing changes and shifts. Those of you who have portfolios that will be very, very important. learning opportunity. And then for those of you who may who may not have portfolios yet, it'll be an opportunity to take a look at the past. Get rid of it. And now set your sights for the real you that's getting going to be kicked off in 2023. Who am I becoming and in terms of your money growth, the sky's the limit. So we're going to have a year end gathering it's going to be a party so everybody's invited who who enrolls between now and Sunday. I think we have Sunday at four o'clock we'll end around five I think. And so Sunday at five o'clock. If you enroll in that timeframe, you get to come to the bonus year end program. So that means you get a bonus here on program. You get a whole month in January to get kicked off. kick start your year. your and your money. Now, if this is not for you, that's okay. If you don't want to start in January, that's okay. This is going to be a rolling program. And I'm going to be offering this throughout the year of 2023. And I hopefully if it's successful, and if you all invite your friends and it becomes you know, a thing, it's absolutely possible that I will be then putting on additional courses after the these first one month courses into more advanced deep dive courses after that, but I'm not there yet. We're just going to do the beginning step. And let's see, if you love that. And you can help me by being part of this inaugural program and really help shape it. Because your genius is what I'm going to be pulling in, it's not about my expertise, or me, me, me. It's about you, and us and how we can build something extraordinary together that really makes an impact that helps you in your life. We don't care about all of the others out there. This is this is important time and this will change your life. Today is an opportunity that you can change your future by taking an action step today for your future. What do you think? I love it already. I'm in I love that. I'm in. Okay, I'll see you there. Won't that be amazing? Well, I'm Yeah, I'll bet I'll bet somebody's already clicking and clicking. You know, I don't I'm not even sure I'm in Olivia. All right. I love us in. Okay, Olivia, congratulations, you're in celebrating even now. All right, good deal. Who else is in who else is in who else is going to go click that? And be with me and start at the level that's exactly right for you. And you know, this is just this is a this is an extraordinary value. I think it's wonderful. And I can't wait to be with the amazing group. I already registered many players in I'm definitely starting in the beginners. Suzanne is in Suzanne. That's now I don't know who got first, second and third. But whoever did you get? All right. Oh, this is awesome. Who else is in who else is in? Okay. Pamela Drake is in Pamela Drake is in all right. Pamela, this is amazing. That is awesome. That is awesome. I've just I'm celebrating every single Yes, is a celebration in my heart. It's kind of like, you know that oh, that's this is kind of corny. But you know, the story how the guy goes down the, along the ocean in there, all of the starch, starch fish that have been are on the ocean, sand and have been abandoned by a big wave that came up and dropped them there and they can't get back out to sea. And this guy comes along and starts, you know, throwing the starfish back into the ocean. And another guy comes by and says You might as well stop doing that. You know, there's just too many. You just there's too many starfish, you'll never make a difference. And the response back to that guy was me made a difference to that starfish. It made a difference to that starfish. So every one of you who enrolls is making a difference in my heart, because you are stepping up to make a difference in your life. And I guarantee you that it'll be worth it'll be worth every I mean, how much investments have we all spent in the coaching industry and then things but this is going to be hands on this is going to be real. This is the meat and potatoes that we talked about yesterday and more. It's it's more than just money. It's your dreams. And it's your spirit. Ladies, so thank you. I want to say thank you. I want to say thank you for being here. I'm getting chills all over my body because we're doing it we're doing it together and we're opening this is the open door so Every morning, we open, it's open for enrollment. Now we still have time, if you want to invite your friends, your daughters, your girlfriends, they can come join tomorrow. And Friday. They'll sit tomorrow, today's Friday, tomorrow is Saturday and Sunday, we'll have another hour from four to five, Eastern 1pm to 2pm. Pacific, and just come out, come hang out with me, I'm going to be sharing with you some of the other ladies who've already taken this course and have nothing but interesting things to say about what it did for them. And again, that was just a beta course. So small beta course that we had for a month in earlier this summer, and so you'll you'll be introduced to them in it tomorrow and Sunday. But for today, I guess our time is up, but I just don't want to close the doors. They just don't want to close the doors. Well, you are welcome. Thank you faces. Thank you, Patricia. Thank you, Mary Claire. Thank you, Pamela, you Yes, we we are making a difference together, we're making a difference together. And I believe that value creation is is the difference that we're making in each other's lives, in our lives, and in the lives of others, and just you wait, people who see you becoming strong and confident in your money, they're going to want that too. And so you will be making a difference and adding value to those around you who see your shifts and changes in your transformations. And I just want to thank you for saying yes to yourself, because that's where it starts. It starts right there. Wanting that transformation and believing that that can be done. And that is that it's easy as 123 A B C, where's my song dog? Got it. Let's we might as well dance on out here. Oh my goodness. I'm too excited to go to sleep tonight. All right, for those of you who have signed up, you'll be hearing from us. There'll be receiving instructions. And thank you we're going to have a fantastic year end. Celebration us together. And then we'll move into the new year with strong strong women marching forward, confident, Ace money managers in the making. Thank you all. Bye for now. I'm so excited. I'm so excited. Thanks bye