Money Honesty & Body Wisdom: The Conversation You’ve Been Avoiding

In this episode, Rachel brings forward a heart-opening (and slightly uncomfortable in the best way) invitation: get radically honest about your money, your body, and your future. 

Joined by Nancy Griffin, a seasoned financial expert who blends compassion with crystal-clear strategy, this conversation breaks down the emotional and practical sides of money—the avoidance, the guilt, the tension in the body, and the freedom that comes from telling the truth. 

Rachel and Nancy explore what happens when you stop hiding from your financial reality and start approaching it with breath, presence, and grounded action. From the importance of getting your will in place to understanding how a financial planner actually supports you without shame, this episode is packed with clarity, connection, and calm-nervous-system money talk. 

If you’ve felt overwhelmed, intimidated, or embarrassed by your finances… this one will feel like a deep exhale.  

✨ What You’ll Learn 

• Why honesty with yourself is step one in any financial transformation
• How to use body awareness to understand your money stress
• Why getting your will and legal documents in order isn’t scary—it’s empowering
• What a financial planner really does (and why they’re not here to judge you)
• How money avoidance creates nervous system chaos—and how to shift it
• Practica

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Transcript

SPEAKER_01: 0:10

Hi! Oh my gosh, welcome! Welcome in to the Fitsin Project. I am so happy that you're here. I'm happy to have you. I'm happy to let you hear this amazing, amazing podcast today. All right, so I've been on this wealth kick, like learning about the money, learning about all the things. I don't know if you got the chance to hear last week with Jax Kreider and speaking about her rocks and her wealth and how you can have a relationship with your money. If you haven't listened to it, go back, check out that, or binge it right after this one because this one is good. This one's Nancy Griffin from Canada of all places. But she is a certified financial planner and she is giving the best, juiciest advice. And there's not a better time to think about your finances right before the holidays. Because when you think about your finances right before the holidays to get you into your 2026 year, if you're thinking about them before the holiday arrives, before you've done the money spending, before you've unconsciously bought grandma, auntie, niece, and nephew and everyone else a present that doesn't really mean anything at the end of the day. Check in that's all this episode is about, is a way to just check in with yourself, with your money, with your will, with your future. And what do you want your 2026 to look like? This couldn't have come at a better time, in all honesty. I'm so pleased to have had this conversation and uh cannot wait to hear your reviews about it because it opened up a lot of lights or turned on a lot of lights for me. Let me just say, like for one, Josh and I got some work to do. We have some things to do. I've gotta come again, Dave. And we are gonna be sitting down with Dave. We're gonna be writing our wills here in a bit. We're getting married, y'all. So I've got to get our shit in line so that you know, Josh, Theo, me, we have this beautiful future ahead of us. And just like that, you've got a beautiful future ahead of you. And I hope that you understand how important this is, your health, how important your health is, and how that feeds into your wealth, and how that feeds into your 2027, 2028, and beyond, beyond, beyond, beyond. But anyway, don't take it from me, take it from Nancy. She is the expert in the field, and I'm just delighted that I got to bring her in. On a sad note, on a sad note, January begins the fits in revolution, and I'm getting more clear on what this even means, what this even looks like. Last weekend, literally November the 15th, if you know you know, I had the honor to give the gift of presence over presence with my lighthouse women, Gwen Fitzpatrick. She is the holistic nurse that brought it all home. She brought it home and it like hit from the root all the way up to the ground. Like it was so freaking juicy. It was so good. I was so happy to have that entire intimate session with our community, with our Fitzsies, and then Celessa, uh, the fairy godmother that she is, she resonated energy like you wouldn't believe. Like I feel like it's still going on in my body. As a matter of fact, I already know it is because like I have been like just lit up since that conversation. And we are doing another one in December. Join join the FITS and newsletter in the show notes because that's how you're gonna get in on the next one. That's how you're gonna get in on all of the awesome things that I'm providing. You, literally, you, you're listening, it's you in the FITS and Revolution come January 1st. So come on in. Let's just be friends, let's get on in this juiciness. And I'm getting to bring in some really cool people in this podcast, Nancy being one of them. So I hope you love her in this conversation. I hope it really does make you uncomfortable. Because if it's not making you uncomfortable, then you're not really learning anything and creating new neuropathways. And none of us really want to waste our time, right? So get uncomfortable so you can get comfortable looking at what is going on with you, with your health, with your wealth, and bringing your whole self together and your old wellness power. Because you got this, and you are your most important project. Right. Thank you. All right, Nancy. So welcome to the Fitzin Project. I'm very happy you're here, and I'm very happy with the story that you have to tell. So I would love for you to introduce yourself and kind of give the lay of the land for how you got here.

SPEAKER_00: 5:25

Great, great, great opportunity. Thank you so much, Rachel. Well, my business is women worth and wellness. And I created that in 1994. So it was 31 years old this year. It's like, what? How did that happen? It all went by way, way, way too fast, way too fast. But it all came about when I was, when I started as a wealth advisor, which was in 1992, and started off working with a great company with a great training program, get all your licenses in place, and so you're ready to rock and roll. And they said, Okay, Nancy, we've got everything ready to go, except you need to go find your own clients. And it's like, what? Anyway, part of the training was really the people you want to work with are those whom you feel you can add value to their lives because you're going to be working with them for a very long time, and they're really going to count on you and all the advice that you're giving them. And so I thought, okay, well, I think I'll focus on women, not exclusively. But at that point in my life, I'd already been through quite a few things. And uh women were just getting to the point in the 90s when they were really starting to earn earn significant amounts that to the point where they were paying attention to how do I maximize all of this? And um, you may not remember the 90s because I bet you weren't even born then, but it was also it was also a time when women were learning how to golf. It's like, oh my goodness, I've got to learn how to golf. And um, so anyway, I started and I uh partnered with a lot of health-related, not-for-profit organizations focusing on women's health. And that's exactly how I twinned the health and wealth scenario, starting with health. Because as our mothers told us, if we don't have our health, we're not going anywhere anytime soon. And so, what's the point of focusing on your wealth if you've got to spend your wealth to get better? So let's focus on good health right at the very, very beginning. So that's kind of where it all started. And of course, my mother had passed away two years before I got into the business, which was most unfortunate because she and I would have had wonderful conversations. And it was her, it was her words and her inspiration that the whole health focus fell into place naturally. Because it's like, of course, that's the starting point.

SPEAKER_01: 7:56

Yeah. Wow, that's beautiful. I love that. I mean, and I think that they go hand in hand anyway. Um, my mom is also into she's an actual holistic nurse coach. So she is a holistic health coach in and of itself. Wonderful. Yeah, it it mothers are amazing, right? And she's also a lot of my inspiration for what I do with this and how I grow with the whole Fitzin project, the Fitz and Revolution and my yoga and everything. So I love that you've kind of had that kind of same uniteness with your own mom and your own experience with this. But um, what was your biggest like hurdle with the 90s? Because I I was alive then. I was just uh I am taught, but but what was your um biggest thing when you started out? Like what were you scared? What did you have to overcome when you when you got into all of that?

SPEAKER_00: 8:57

Well, it's kind of unnerving when you don't have clients and you've got to go find clients. But it's amazing now. I mean, at that time that there was that was a little overwhelming. But on the other hand, it's like, well, so what? So you take the advice that you've been given, which is go find people uh with whom you will add value to their lives. And so, and actually, I had a terrific brother. He's since passed on. He was terrific. And when I get into the business, I was sorry I hadn't been there 20 years earlier, really, because it was absolutely a perfect place to be. My parents had always been investors, and my brother was a stockbroker, and so I was surrounded by this whole business without knowing I should have considered it as a career. But my brother, right off the bat, gave me a check and he said, put it in wherever you think it should be, because I know how difficult that first sale is. And that is that that I mean, I will be forever grateful to him. So this for your listeners, this is a really, really important message because just out of the blue, there you go, there's a check, invest it where you think it should be. And his, you know, he had the account. But just, I mean, little things like that make a world of difference. But once you get started, and really I found that as I started to work with women, it was hard for them to focus on their whole wealth plan because they really are expected to be the nurse practitioner and their families. Like they're the go-to person for everything. And uh, so I thought, well, really, how much do they know about health? Unless, like your mom, you've had all that training. Really, you're just kind of dealing with anecdotical, anecdotical. I'm not saying it, you know what I'm trying to say.

SPEAKER_01: 10:39

I don't want to say it.

SPEAKER_00: 10:41

And and uh so that's when I decided to partner with not-for-profit health-related organizations focusing on women. I was in Toronto at the time, and we have a wonderful hospital there called Women's College Hospital, over 100 years old, and that's all they do is focus on women's health and wellness. So I would host different events with some of their uh doctors, and of course invite my clients and bring their friends. And that was when they started to learn a lot more about a lot of health-related topics pertaining to women, which was terrific. Then Heart and Stroke Foundation, we know that heart disease is the leading cause of death for women. We know the symptoms of heart disease for women are quite different than they are for men. Uh, women in a lot of the research were simply considered to be little men. And so, you know, there was just one organization after another. But every time I hosted an event, I would charge my clients and their friends a nominal amount, like$25 or$50, and then point out how that charitable donation really enhances your net worth because it's a deduction from your income tax return. But equally important, it also enhances your self-worth. Because if we're in a position to give or to share, that means that we've got something to offer someone else, and that makes us feel good in the process. And of course, here we are 31 years later, where women now are earning way more than they were 31 years ago. But more importantly, they're starting to inherit wealth with a lot more to come. So now women have really moved into a really powerful spot by stewarding their wealth. And the key question is how well do you know how to steward that wealth and all of the opportunities that can come from stewarding that wealth exceptionally well? Sometimes uh wealth advisors are not mentioning philanthropy because they want to keep all that money under their jurisdiction. They don't necessarily want you to write a check for X number of whatever, because that takes away from the portfolio holdings that you have under their jurisdiction. So there are a lot of things that are going on that um women need to be aware of so that they can steward that wealth exceptionally well.

SPEAKER_01: 13:09

Absolutely. Yeah. I love you hit two different points that I've I really want to dive into. One of them being how to be a good steward of your wealth. And also the other one, you know, the purpose, your purpose driven on given your your money of how to spend your money. You know, I work with a mentorship membership program with Kathy Heller, and what one of the biggest things that I've learned about that is like if you can spend a dollar anywhere, whether it be like at your McDonald's drive-thru or whether it be your guests, whatever it is, like with an intention behind it, an intention of love, as you receive with an intention of love, and you give it with an intention of love, like that means something. And then there's like a purpose behind it. It's not just like unconscious movement of your money.

SPEAKER_00: 14:10

Right.

SPEAKER_01: 14:11

So, how does that um flow well within like your offer in your business when you teach that? And what do you see when you when you see that?

SPEAKER_00: 14:20

Well, sometimes people will pay attention to philanthropy because of the um the financial benefits of doing so, which is fair enough. But in doing so, if you're directing dollars philanthropically, to where are they going? Like, really, what do you care about? But then the next question is okay, if you're interested in directing those dollars to these two or three different organizations, how well do you know how well they run their business? Because the last thing that you want to do is direct some dollars to an organization that appears to be doing really well, but you find out, you know, a couple of months later that something untoward has happened and you never you never want it to be the day after. So women need to be, of course, generous, but also extremely discerning, like be very, very, very careful as to where you're directing those dollars and where exactly what exactly are you hoping um will happen as a result of those dollars? And one of the best ways to educate yourself is once you've chosen that charity or two, more often than not, they'll be offering events because they're always looking for more support. And so go to those events, just don't write a check and then that's it. Participate, get to know these people, get to know what their whole focus is, and get to know how well they run their business. And those are fair questions for you to ask and don't hesitate to ask those questions. You know, women have tremendous capacity and capability, but sometimes we shy away from just asking some of those really difficult questions because we don't want to make the person feel uncomfortable. On the other hand, you will feel very uncomfortable if you haven't asked the questions and you've missed something that was really important.

SPEAKER_01: 16:12

Oh, yeah. That like people pleasing that we're all really good at doing, you know. And you know, I hate to be a bother, but no, be a bother. And it's your money, like you should know how it's spent, or you should know the intention behind. I mean you have an intention, but an intention behind the person spending the dollars that you get in. I mean uh it's um a two-way street here, right? When it comes to spending. It is so when you're talking about um the women and their wealth, I love this because I um am a first generation in my whole family that I've that I know of. Now I could be wrong, totally mistaken, that has a financial advisor.

SPEAKER_00: 17:04

Wonderful.

SPEAKER_01: 17:05

Yeah. But I I started with a financial advisor, I'll tell you what. I was putting in um$10 a month. This is how this started. But he was like, just start, and that's like the first, it's like planting a tree. The best day to plant a tree is yesterday.

SPEAKER_00: 17:23

Right.

SPEAKER_01: 17:24

But if you just start now, even with something so nominal, it's like my ten dollars a month, like that's turned into hundreds of dollars a month now, you know, and I'm used to it, and like that's my life, and that's gonna be what I'm accessing when you know I can retire, or you know, or if I don't get to make it to that, you know, my family gets to benefit from it. So as you were speaking, like we're all coming into this like um money in some way, shape, or form, whether it be like you're born into it or you you get to gain it because you are now treated as an actual whole person instead of a half person, like right, right. Right. So when you are um in your wealth, like how important is that? Like, would you say on a scale of one to ten, like talking through that and the women that you've met and you help as far as your clients?

SPEAKER_00: 18:20

Triple A1. So important, so important. And I also advocate that you work with a wealth advisor and somebody who has lots of credentials and lots of experience, but more importantly, is someone who pays attention to you because that's what you want. That's really what you want. And if you're working with a wealth advisor who's put together a total wealth plan for you that has not included anticipating health-related issues like a critical illness or a premature disability or premature death, then you're not working with the right person because guess what? Something will happen someday. And again, you never want it to be the day after when you find out the coverage that you should have had, could have had, that would have eased your situation considerably. You don't want to be drawing down funds from your retirement portfolio to just cover basically uh your monthly expenses when in fact there were options available to you. So if that isn't something that your listeners have paid attention to, something that I would really, really, really recommend, really recommend.

SPEAKER_01: 19:29

Oh, yeah, absolutely. And like getting in what so like recommending, so like my example was like the$10 a month thing, which was so real. I was waiting tables, and I was like, oh, I met him in tie-dyed yoga pants at Panera Bread. I'm like, here, this is what I can do, and it's what I wanted to do. And since then, you know, that's been gosh, 15 years ago, I would say. And it's evolved, and I've got things set out for my son, and my son's plans for what I can help him with, you know what I mean? So it's all so good, like it makes me feel good at the end of the day. I can go to bed knowing, like that's taken care of, right? So, what if if you were first starting out, what would you say? What is your first step?

SPEAKER_00: 20:25

Well, first of all, don't do it yourself. You know, you immediately you turn that$10 over to somebody else to put that process in place. And what I tell people is not even dentists do their own dental work. So don't do your own dental work. Like don't try to figure this stuff out for yourself. And sometimes people don't start because again, they feel they should have started 10 years ago. Well, guess what? We all should have. So what? You're still alive, you've got a big future ahead, and the best time, like you said, to plant a tree was yesterday. So the best time to get started was yesterday, but with someone. And you don't have to have a whole pile of money. I mean, you see what you started with, and it's a matter of, well, who do I start with? Well, everybody has a bank account somewhere, and banks will have a suite of advisors available. So if you're just starting, then you're just working with that advisor. Longer term, if you turn that into a significant amount of wealth or you inherit wealth, you may be working with another advisor that focuses on someone that does have more assets that they need to be paying attention to. But I'm saying that a bank will have that whole variety of advisors available. That's what they're in business to do, is to look after their clients. And in doing so, they've got a whole suite of advisors available to do that. So get started yesterday and work with someone. I'm a certified financial planner, so CFP. If somebody's already started and underway, a really, really smart thing to do for every woman is to get a second opinion. And what you can do is just Google CFP near me and you'll see, okay, who are these people? And out of the blue, you can just say, I'd like to get a second opinion. Of course, they'll be delighted. And then the most important thing when you meet with that person is that they spend a lot of time getting to know you because the whole basis of that uh wealth advisory business is based on knowing your client. And if advisors have not taken the time to know they're a client and they've put them into some investment or some program that is not suitable to them, they're at risk of losing their licenses. So they're going to ask you a lot of personal, and it's I I compare it to when you go to a new uh medical practitioner, you know, we have dialogue, but then the next step is they order blood work. And as soon as they see your blood work, then they've got to read on exactly what your scenario is and therefore how they can help you.

SPEAKER_01: 23:00

Yeah. So you're in a super vulnerable position and you're working with these people who are showing you like their whole deck. Right. You know? Right. I find money is such a fun topic, it can make or break a situation, it can make or break your conversation, right? And people hold it really close to the heart in a vulnerable way because there's a lot of shame wrapped around money. There's a lot of guilt for not having it or for spending it in the wrong way. Like, you know, what's really fun is my um my mom used to do this. I'm gonna out her so much. But but it was just because it was uh just because that she learned it from her mother or grandmother or whatever. But we would go shopping and we had a heyday shopping, hit all the cells, all the stuff, whatever. But we put the stuff in the trunk. We get home, and it was like we have to assess the mood. Where where's my dad? What's he in? Like, is he like feeling like he wants to celebrate us because we just had this big day, or is he like, oh shit, you know, like something might be going wrong? So it's always assessing the mood and then bringing out the stuff out of the trunk, but it was never like, oh, I'm just coming in shopping.

SPEAKER_00: 24:24

But we thought, yeah, no, right, exactly. I know I it's amazing. My husband's exactly the same way. You kind of have to sneak the bag in because sometimes you just don't they'll say, Well, why why would you go shopping and buy stuff when you don't need anything? Well, they don't get it, they don't get it.

SPEAKER_01: 24:46

No, but my dad, I mean, on any random Tuesday, he might just pull up the driveway with a brand new bass boat.

SPEAKER_00: 24:52

You don't know what's going on with this, but exactly to each their own, to each their own, yes, yes.

SPEAKER_01: 25:02

So it's just really wild how you do have so much emotion wrapped into your money, your financial situation. And I'm I feel like you're probably really good at talking through that with the whole you have a holistic approach to it. Right. And that would be like your wellness side, right?

SPEAKER_00: 25:20

Yeah, exactly.

SPEAKER_01: 25:21

Let's talk about that one.

SPEAKER_00: 25:22

Okay, well, see, you've got a whole level of confidence because you're very proud of yourself with what you did 15 years ago or however many years ago at$10 a month. And that's the whole purpose of the exercise. You know, two things are happening with money. One is it's being set aside for the future because we all need money to live. But on the other hand, you feel great when you get a hold of it and you get that plan in place, and it is the best that it possibly can be for you. Everybody's different. So don't compare yourself to everybody else, but you've got a plan that you love, that you understand, that you know is serving you the best it possibly can be right now. Right now, yeah. Which is super you know, my logo for women worth and wellness is uh you probably can't see it, but it's like you got your arms way up in the air and you're standing on a little hill, and it's like, yes. And somebody took a look and they said, I think that should be, didn't you mean that? And I said, No, then you're standing in a ditch. You're not standing on a ditch. You're standing on a hill. And actually, this one woman that I know, she was at an event a couple of weeks ago with 400 women, women summit, and she was one of the guest speakers, and she said, Okay, ladies, I want you to put your arms up. Everybody put their arms up, so they go, She said higher. Like, why wouldn't you put your I thought that is so true because women are just kind of like not quite sure, and nobody really wants to stand out. So why would you put but but the whole purpose of the exercise, any exercise, your life is that you feel that good about where you're at, what you've got in place, with all of that as a base in terms of where you're headed and how it will support your future.

SPEAKER_01: 27:10

Right. Right. I mean, I kind of equate this as to like w where you live, for example, you know, like you want to be able to live in a place that's gonna, if whether you're renting or you buy a home, it doesn't matter. Your short-term focus is always get you through the next year.

SPEAKER_00: 27:29

Right.

SPEAKER_01: 27:29

It doesn't matter if you own it or rent it. That's everybody's short-term focus. And it's like if you are to buy, if your water heater goes out, for example, and you're now in the business of a water heater. Are you gonna buy a water heater if you own the house? Are you gonna buy a water heater that's gonna get you through one year? Or are you gonna buy a water heater that's gonna get you a lifetime warranty in in 15 years probably will make it?

SPEAKER_00: 28:00

Right.

SPEAKER_01: 28:00

I mean, as a homeowner myself, I'm going with the latter one. So it's an investment. It's an investment in your future. You look at it three different ways.

SPEAKER_00: 28:10

Right. Exactly.

SPEAKER_01: 28:12

Yeah.

SPEAKER_00: 28:13

And right. And if you decide that you don't want to live there anymore and you sell it, then obviously it's part of a part of the asset that you're offering to a new buyer.

SPEAKER_01: 28:23

Yeah. Bingo. I love that um, you know, having money is like not the root of all evil. It's the love of money is the root of all evil. I think that is where people miss the whole um root of all evil thing. It's the love of it. Because I mean, money is just like a piece of paper, you know, whatever. You're not gonna walk around loving a piece of paper. It doesn't love you back. There's nothing there. So that's a good way in my mind, and how I would drop like the shame around that if I was coming into this brand new. What are some other tactics that like you could offer if someone was coming in brand new? Like they don't want you to see their full spread, but how do you make them comfortable?

SPEAKER_00: 29:15

Well, money's a means to an end, and your life is your greatest asset. It's the number one asset. Not all the money that you have, it's your life, period. And that's why health comes first, because we take our health for granted until uh something happens. So the whole point is if you're healthy, if you're the healthiest you've ever been today, fabulous. What do I need to do in order to stay as healthy as I possibly can be? And then once you've got that in order, then you start focusing on your wealth plan. And where does the money come from and what is the purpose of the money? So we have to spend a lot of time talking about doing a complete inventory of. All your assets and liabilities and coverages, et cetera, et cetera. But then the next step, okay, what are the plans for your future? To what are you aspiring? And then once you have a sense of what that is for that person or that couple, then you start to form different recommendations and how to maintain that and enhance it for the future. So a lot of dialogue, a lot of dialogue. It's really, really important to have a lot of conversation, honest conversation, back and forth, back and forth. Because the wealth advisor can only serve you well if he or she has all the info. And of course, same in in return. You can only accept whatever that person is recommending if you understand how it all fits in to your current reality now. But then what is the purpose of all of this for my future?

SPEAKER_01: 30:52

Yes. I love that. I love the health aspect too. I just realized like that was like a whole questionnaire when I started working with my guy. It was like, do you smoke or do you do drugs? And blah blah blah. Like, what is your actual biological age versus your age? And I think at the time I was like 10 years older than my actual biological age.

SPEAKER_00: 31:16

Wow, amazing.

SPEAKER_01: 31:17

Yeah. If I were to take it now, I'd probably be two or three years younger. But I've made a lot of adjustments since then. But yeah, it was uh very eye-opening about the the the health part, I would think. Yes. And how that actually does play into the wealth side of it.

SPEAKER_00: 31:41

But going back to you having a level of confidence because of what you did just enhances your mental health. And we know that mental health is a bigger, bigger, bigger challenge all the time. You know, there's so many stresses that people are dealing with. That how do I get a grip on any of this stuff? Well, the best way to get a grip is to get a grip. You know, you just get started, like take a small grip and then build from there. And again, if you can recruit somebody to help you, if you can work with somebody else, it that pays dividends beyond your wildest imagination. It really, really does.

SPEAKER_01: 32:17

Yeah. I mean, we weren't sent here to know every single thing and be perfect at everything.

SPEAKER_00: 32:25

Right.

SPEAKER_01: 32:26

Um I'm not um somebody who remembers um pop culture basically at all. And I will, you know, butcher a quote, not on purpose. It's just like that's just not how my brain works. And like people's names and things like that, like that have been out, like I know Oprah, you know what I mean? But like other, you know, really profound people you should think that everyone should know. I'm probably on the list, it's just like I just don't know. But there's some things on the periodic table I can tell you about that makes no sense to most other ordinary people. Like, why would I know that? Exactly.

SPEAKER_00: 33:07

Amazing. Yeah.

SPEAKER_01: 33:08

Yeah. We're not supposed to be experts in everything and injectable trades. It is just not at all.

SPEAKER_00: 33:15

The smartest people are the ones that work with other people who are the smartest in their fields, and you ask really, really good questions. And of course, that person will answer them if they truly are a professional. If they don't answer them, or if they answer them kind of in a shady way, then that's not the professional that you want to spend a lot more time with.

SPEAKER_01: 33:35

Right, right. And like the most successful people I know are the most resourceful. Yes. And they will outsource their things that they are not experts in in order to keep it all humming. Just like when my water heater broke, I didn't call someone who teaches yoga.

SPEAKER_00: 34:03

Exactly.

SPEAKER_01: 34:04

So I also teach yoga, but exactly.

SPEAKER_00: 34:09

So true.

SPEAKER_01: 34:12

Oh, well, this is so enlightening. So what's your favorite part?

SPEAKER_00: 34:16

What's my favorite part? My favorite part is when I see when I see that people have gotten it, and then it's like you, you know, my if you had been my client, if you had been the person, or if you had come to me with the$10, and now I see you 15 years later, I would be ecstatic. I would be ecstatic. I was lined up for a um concert in Toronto, and it was just everybody had seen this, and uh I hadn't. So I thought, okay, I'm just gonna go. I'm not gonna try to make plans with anybody else. I'm just gonna go and do this. So there I am standing in line with a whole bunch of people. Like I'm not with anybody and I don't know anybody. And then all of a sudden, this woman looks over and she goes, Nancy Griffin. She said, Do you remember me? I was Jocelyn and I were clients of yours. And it's like, of course I remember you. She said, We talk about you all the time. I'm thinking, oh my God, this is not good. Anyway, she said, you were the best because what I did was I didn't want all the marbles to be under my jurisdiction. They were interested in rental housing as an investment. And I said, of course. And here's a broker that I know who works on that. So this is a person that can give you some more information. And, you know, perhaps even has some uh availability. Anyway, it turns out that they'd invested in three or four. They'd moved out of the province of Ontario, and so we're just back for a visit. And oh my goodness, I was so thankful. I mean, really, what a nice reward. So that's the thing that I get the most satisfaction from is just giving that, giving that pure professional advice that suits the people that you're working with. But in order to do that, you really have to have to know who they are, what are their priorities, what are things that they're thinking about. And uh these two, one was from the East Coast, one was from the West Coast. One had a mom on the West Coast who wasn't well, so she spent a lot of time thinking about her. So, and they were both extremely uh professional leaders in their fields, and so a lot going on all the time. But the other thing that I appreciated when I worked with them is when they came to a meeting, they they were in the room, meaning they're paying, we were having a very, very direct dialogue back and forth. They're paying attention to what I'm saying, and I'm paying attention to what they're saying, which was super. I'm when I think back about them, they were they were always like that. They were never distracted, they were always paying attention, and uh, you know, that speeds up the process of getting on with what you need to get on with and um you know back to your profession.

SPEAKER_01: 37:07

Yeah, that's awesome. Yeah, I would say that would be very, very fulfilling to see people feeling fulfilled by the things that you could provide or even like send them to as a new resource. I would say that's probably the best. You're basically a coach, you know? Exactly.

SPEAKER_00: 37:27

But but at the same time, it takes time. Like I remember when I first met them, um, you know, they really have to get to know who I am.

SPEAKER_01: 37:37

Yeah.

SPEAKER_00: 37:37

More more so than I need to get to know them. Like I've got to make sure they feel comfortable with me before I can even bring my best forward. And I knew, and I knew that this was where they were coming from because I knew that they had worked with this other group that were, you know, highly capable, and now they're coming to me as a second opinion. So really it's up to me to make sure that I'm validating with them exactly who I am and what I can do and how I can possibly add value to their situation. And then once they give you their trust and the opportunity to work with them, then obviously you never compromise that. You just always do your best and work hard to serve them uh for their best.

SPEAKER_01: 38:25

Absolutely. Yeah. I love it. So when you're uh working with your women and you started out in the 90s, what's it like going from not really having the internet at your fingertips when you very first started to now is like there's all this information being thrown at you and your clients all the time.

SPEAKER_00: 38:52

Well, having grown up in the business, you know, you you evolve over time with technology. So if you used to receive info in paper format and now it's online, I mean, really, you just all you have to do is keep up. And and that's you know, it's a simple thing to say, but it's a really, really important thing. You do need to be au current at any given point in time, and then you decide if you're going to go off on tangents, you know, like the whole um business of new currencies, new opportunities, new ways to make money, is that something that you're interested in spending time on? Or do you just simply let people know that is not something that I'm a specialist in? And I have no intention of becoming one at this point in time. So if that's something that you're interested in, then I can possibly refer you elsewhere or or not.

SPEAKER_01: 39:45

Yeah. And then I assume, well, I shouldn't assume, but I'll say it anyway. Uh, with the AI aspect coming at you, how do you see or do you have any future um premonitions of how that may enhance your world or change it? How do you see that playing in?

SPEAKER_00: 40:06

Well, again, it's just a matter of keeping up. I think it's going to be incredible. I think I think there are new opportunities that we don't even know exist yet. And um we just have to, you know, get with the program, like pay attention to what's going on so that you can learn um how this can be applicable to what you're doing. I was on a uh webinar a couple of weeks ago, and this one woman who is a professional in the whole field, she said AI is no longer a tool, it is your partner. And if you're not partnering with it, you're missing.

SPEAKER_01: 40:42

You're missing out, yeah. I agree 100%. I mean, it's like my partner in this podcast, you know, and it's a partner in most, I mean, in my day job as well, you know, I'm a project executive. I use AI every single day throughout. So, and I'll even pay, I even pay my own subscription for my own services just because I'm like, let's get into this detail, and I will take it down to a cellular level. I'm like, I want to know all the things.

SPEAKER_00: 41:15

Wonderful, wonderful. That's so that's so powerful.

SPEAKER_01: 41:19

Now it makes me want to get into this as far as like my my financials with where they're at, and my um financial advisor, and like who is the who is around me? You said you're what are the credentials you said for the second opinion? What was it that you had said to look into? Planner?

SPEAKER_00: 41:38

Oh, CFP, certified financial planner. And I'm there in the US, I know for sure. See, and if you just Google CFP near me, then more often than not, two or three will come up. And so just take a look, you know, lower the microscope and see who they are.

SPEAKER_01: 41:56

Yes.

SPEAKER_00: 41:57

And um, you know, a second opinion is always a good thing.

SPEAKER_01: 42:02

What is your biggest investment? Like, is it like stocks or what is your what do you see across the board as like your most popular go-to?

SPEAKER_00: 42:13

Um, having a plan that meets the client's profile. And so that isn't a question that I would ever answer because everybody is different. Everybody's different. You know, there could be people that have lots of money who have absolutely no interest in any risk, or people who have lots of money who want lots of risk, so you can compromise everything. So it just depends. It really just depends. And that's why relatable. Yeah, you've just got to have that conversation with that person until you know where they're coming from and what's important to them. On the other hand, as you have dialogue with a prospect or with a client, it's up to you to present some possibilities of things that they may not have thought of. And so introducing what, for example, introducing philanthropy, asking them how do they feel about that? Is that something of interest? Is that something that they've considered previously? Is that something that they're planning for in their future? And um, then of course they'll respond, however. I had these um this one couple as clients. Again, one was a lawyer, the other one was a professor, and they were going on a big cruise, and Mr. did not have a will, and she was really upset that he didn't have a will. And he said, Why would I have a will? Like, I don't need a will. Well, of course, you do need a will, you absolutely need a will. So then I really got on the bandwagon with her. Anyway, we talked him into getting a will. Finally, you know, a lawyer not having a will, this is ridiculous. Anyway, then the conversation was okay, depending on who pre who precedes the other, then are you going to respect my wishes in terms of where I want my proceeds directed? Well, tell me again where you wanted them. So all of a sudden we go off on this big conversation. But at the end of the meeting, they were delighted because it was probably something that they never would have conversed on at home because life gets busy. But I had sort of forced the conversation, started the conversation, and then away we go, and we have a robust conversation, which is terrific, really terrific.

SPEAKER_01: 44:27

So, as a certified financial planner, do you write the wills too? Or no is that no, no. Okay.

SPEAKER_00: 44:34

Yeah. And I have another story I'll share very briefly. This one fellow that I know, he was a trustee for this young person until they became of age in Canada, it's 18. And so once he was 18, then he wanted him to meet with the wealth advisor with whom the proceeds were under his jurisdiction. So it's a three-way conversation. The wealth advisor is now meeting with the actual 18-year-old, before it was just the proceeds that he was managing. And he said, Okay, I'm delighted to have you as my client. However, I have two requirements. One is that you get a will, an 18-year-old, you must have a will. The second is you must have an accountant. Like in other words, I don't do tax returns. I'll be paying attention to uh the taxation uh possibilities of everything that you're holding, but I don't do a tax return. And so get an accountant. But the thing that I was so impressed with was talking to an 18-year-old about having a will. Most people, you know, they drag their feet forever because as soon as they do their will, they're going to die within 24 hours.

SPEAKER_01: 45:44

Right. You rolled yourself out.

SPEAKER_00: 45:47

Right. And so, you know, do it like and change it, you know, modify it as you go along. Actually, I'll tell you another story. This wasn't a client of mine, but as a wealth advisor, frequently you need to be double checking on, okay, remind me again who your beneficiaries are. This is who I've got in your file, but has anything changed? This is what happened. This young man started a retirement plan in Canada. So we call them RSPs, so like your 401k. Beneficiary is his mother because he's not married. So, of course, he gets married, he has a job, he has a couple of kids, and his company had a pension plan. So he's not paying so much attention to setting aside dollars in his own retirement portfolio because he knows that he's got this pension plan from his company. Anyway, of course, he dies. The beneficiary designation had not been changed. He died tragically in an accident. Beneficiary designation is still his mother. Meanwhile, he's got a wife and kids, and she took them to court, took the mother to court. She did not win. The mother ended up with the proceeds. I think the mother gave them, kept them because she was upset that she'd taken her to court. But my whole point is review your beneficiary designations frequently.

SPEAKER_01: 47:11

Wow. Yeah, that's a very good reminder. See, I told you these conversations are usually for me, less of the audience, because I'm engaged. We're getting married in June of 2026. So this makes I've got all of these like to-do lists now. Definitely just getting talk with you.

SPEAKER_00: 47:32

Okay, so I've on a couple of podcasts I've talked about what happens, you know, you're getting married, so it's 10 or 15 or 20 years from now. If things are not going well, then what does that look like? And the important thing is, is always trust is so fragile, and you never ever, ever, ever want to break a trust, ever. Because if you break a trust, trying to regain that trust is almost impossible. So in a relationship, I've said it takes a long time for people to decide to partner for life through a lot of conversation. So keep the dialogue going, like keep it going. If you get a line of credit on anything, make sure you need both signatures. Like just don't don't don't throw away your vulnerability. Just make sure, okay, let me understand the pros and cons here. Both of you. It isn't just for women only, it's for men too. You know, sometimes women are the ones that take advantage of a male. So as you're working with your advisors, always understand what's great, what what should I be concerned about, and have that conversation in front of the advisor. So you're both learning at the same time. And you just build, build, build, build, and trust has not been broken because you're going forward with a wide swath together.

SPEAKER_01: 48:58

Love it. I'm starring that one. Right. Oh, that is great. Yeah. So, Josh, if you're listening to this, um, we've got a date with my financial advisor next week. We will set that up. Oh, wow. That's a very good advice. Such a key thing to do. And you're right, like there are so many times that that trust is just broken. I almost feel like if you break the trust financially, it's almost harder to regain than it is if you were to break the trust in any other way.

SPEAKER_00: 49:40

Impos almost impossible.

SPEAKER_01: 49:42

Yeah.

SPEAKER_00: 49:43

Almost impossible. Because that, you know, that scar will always be there. It will never perfectly heal. And so that's why when trust, when when positive trust is in place, again, don't take it for granted. Just really honor it and enhance it every chance you get. Yeah. For sure.

SPEAKER_01: 50:07

Ah, well, Nancy, any last things we can cover before um before we wrap up, basically. Any other thing you want to bring up or let us know about?

SPEAKER_00: 50:20

Probably just reinforce what I've said, and that is for women to realize that they are the number one asset and always know that you're worthy of spending time on yourself to be as well as you possibly can be. And so that's why you start with your health and then build it out with your wealth. The two go hand in hand and hand in hand. Absolutely. And when you are the best that you can be, then you're in a position to help other people be the best they can be. But don't start with helping others first. Help yourself first. Help yourself first. Look after yourself. Nobody in the world will do a better job of looking after you than you.

SPEAKER_01: 51:03

Yeah, be your own best friend in all of that. Like learn to love yourself. Every morning I meditate every morning, and it's like sometimes I have to bring forward my past versions of me and like really love them. And it's just like, no, have tea with all of you, with all of who you are, because every bit of you got you to where you are in this exact moment. And what an honor to have had all of that to be in this exact presence.

SPEAKER_00: 51:32

Precisely.

SPEAKER_01: 51:34

So thank you so much. How can we find you? If people want to work with you, can they work with you even though they live in the United States or vice versa?

SPEAKER_00: 51:43

Definitely. Just send me an email. Send me an email. I'm in the pro because I've spoken with so many people from the US, I'm really looking at expanding. So, but I'm not there yet. In the meantime, send me an email and it's nancy, n-a-n-c y at womenworthwellness.com. Nancy at womenworthwellness.com. Once you go into our database, then you'll hear what we're up to.

SPEAKER_01: 52:08

I love it. Yes. I feel the same way. I'm like, if you all just get into the fits and you'll be, you'll know all the things, all the great stuff. It's so good.

SPEAKER_00: 52:20

Exactly. Exactly.

SPEAKER_01: 52:22

Oh well, you are such a treat. And I really appreciate this and all of your wise information. I love what you're doing. The women worth wellness. I think that is phenomenal. And we need that. The world needs that. So I do hope you expand. I hope you expand far beyond. I think there's people that live in Germany that listen to this podcast.

SPEAKER_00: 52:46

So well, some of my new best friends are in Australia and South Africa. It's like this is amazing.

SPEAKER_01: 52:52

Awesome.

SPEAKER_00: 52:53

But it is amazing because you know you it's a sweet spot. Like you immediately start the conversation, which is fabulous. Really good. Well, thank you, Rachel. And you keep up all your terrific work and all the best for your lovely wedding. That'll be that is that is so exciting. We were at an organ concert yesterday afternoon with this terrific organist. And I thought, oh my god, I'd love to get married again to sing that great organ music. Yeah. Enjoy the journey.

SPEAKER_01: 53:24

Well, thank you so very much. And I will put all of your info in our show notes.

SPEAKER_00: 53:29

Perfect. Perfect. Okay, Rachel. Thank you so much.

SPEAKER_01: 53:33

Thank you. There we go. Stop recording. So tell me, did you love it? Or did you love it? Yes. It was so good, right? Like, there's so many things that we can take away from that. Like, literally, get your will in place. Go talk to your lawyers. Get your will in place. Like, that was the biggest highlight for me. But also, like, don't be afraid to talk to somebody about your money situation. Lay it all out. You can't be honest with yourself. You're not going to be able to be honest with your financial planner. And that's the truth of it. But your financial planner is not going to shame you into your money spending. They're just not. They're going to help you to get out of whatever situation you may feel. Might feel a little constricting. Check it in with your body. Where do you feel it? Breathe to it. And then take that in and get your financial planner and go from there. So I hope you loved this today. Again, don't forget about December. I believe it's the 12th. It's that Saturday, whatever that is. I think it could be the 13th. I don't know. But I guess to find that exact date, you'd have to join the Fits and subscription newsletter. And it's just some emails coming straight from my heart into your inbox. And I would love for you to join that community. So anyway, I'm happy you sent through the whole thing today. This has been amazing. And I don't know if you want to check it out, but look at these awesome pants straight from Lotus and Luna. I gotta shout it out. And if you don't know, you need to know about it. Lotus and Luna, they have amazing harm pants. They're super duper comfy. I wear them four times out of the week, probably. And if you use code FITSIN, you get 20% off. So just put that in your back pocket. All right. I love you. I mean it. Let's bring it in with an all hands into the heart. And let's seal the deal after a breath. I'm a stay friends.