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Think Enriched

If you've always wanted a business and life, you love, Think Enriched will guide your path. Any ambitious woman can create her own financial security. Amy Robles coaches smart, ambitious women take steps to create enriching enterprises. Amy walks you through the 4 step RICH Framework. This helps your business become purposeful and profitable fast. This is the show for women's personal development, business strategies, and success. Create a business a life that allows you time for your family, faith, and your top priorities. Subscribe to Think Enriched today.
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Now displaying: 2015
Dec 8, 2015

Holiday episode, Paul Sating, creator of multiple podcasts, shares his financial journey. He has retired from the military, has a full-time job, real estate income, and shares highs and lows through it all.

We discuss:

  • His wealth-building mentality & the mentors who walked him through the mechanics of finances.
  • The power of a 15-minute conversation to help his financial foundation.
  • The most important principle for him with finances is simply debt management.
  • Looking at debt can be overwhelming.
  • When it comes to debt:  "Mitigate then Eliminate."
  • Learning the value of hard work in a farming community. His first job at $3 per hour, then working 3 jobs when he was 16.
  • How you make a goal about your finances so that you can live the life you really desire.
  • How you have to define happiness for you.
  • The sleeplessness that comes through having debt.
  • He owns 3 homes and is earning income from most of them.
  • When you are moving regularly, consider purchasing a home in each area. The housing market conditions can work for you or against you.  
  • The housing decisions that have to be made as you move regularly, such as:  Buy or rent?  School zones to be considered?  On base housing or off base? 
  • Re-financing helped him survive to ride out the housing market ups and downs.
  • How he chose a quality property manager?  Customer service.  Prompt responses  Meeting his needs as a homeowner.
  • Serving in the military, he had a steady income consistently.  After working overseas, he had a young family and hit a very low point financially.
  • How he was able to pull himself out of the low point to make ends meet financially.
  • The consolidation loan helped him pull out of the financial mess.  
  • Minimalism: He was a minimalist when he had to be.
  • The focus to make it through the financial struggle.
  • Money is important but is second to the relationships in his life.
  • How divorce turned his life & finances upside down.
  • How he struggled to put his children through a safe school.
  • "I did all the right things...and here I was, back at square one.  I had to get up, brush myself off, and start up again."
  • "Sometimes the best step is to just start and go with it."
  • "Stay focused on the end of the tunnel."
  • He would rather have the life moments than driving the nice ride.
  • He test drives the Infinity regularly.
  • Money & marriage:  how it works for them.  She is carefree and he is disciplined.
  • His daily tracker/ and every penny how they counted the money.
  • The budget was on the fridge even in front of the kids' artwork.
  • The validation moments: to see each one of the sections on the bar chart to remind yourself how much you've accomplished.
  • The happy medium they have found as a couple in their financial journey.
  • The question that woke him up to enjoy life: "How much do you need to save before you are good?" 
  • Podcast Washington, so much creativity and 
  • Why he loves to podcast.  It's his medium. "I can listen to who I want to, when I want to."
  • The Q. His podcast on Positive Humanism.  "Sometimes the questions are more important than the answers."
  • His podcast is helping him be accountable to himself by focusing on the positive.
  • Atheist Apocalypse: a fictional comedy, an audio drama, talking about the end...
  • All the work that goes into making a podcast.
  • Enjoying the journey of creating.
  • No matter where you are: the student loan debt, or credit card debt, this is temporary.  Stay disciplined, stay focused and keep at it.
  • Make sure you have a reward periodically.  Something to keep you on track.

Resources mentioned in this episode:

You've heard of the Think Enriched Crew, but are you in yet?

 

Subscribe in iTunes.  Or Stitcher Radio.

Rate & Review the show.

Nov 23, 2015

Remember in college Psych class you learned about Maslow's Hierarchy of Needs?  

Basically, there were 5 levels when Maslow first defined it.  Now, they've added a few more for a total of 8 levels of needs to achieve self-actualization.  And, Maslow hypothesized, that only 2% of our society achieve this.  Where are you in the levels?

  1.  Biological/ Physiological Needs:  air, food, drink, shelter, warmth, sex, sleep.
  2. Safety Needs:  protection from the elements, security, order, law, stability, freedom from fear.
  3. Love/ Belongingness Needs:  friendship, intimacy, affection & love, from work group, family, friends, romantic relationships.
  4. Esteem Needs:  achievement, mastery, independence, status, dominance, prestige, self-respect, respect from others.
  5. Self-Actualization Needs:  realizing personal potential, self-fulfillment, seeking personal growth & peak experiences.

Now let me tell you my story.

Point is:

  • If your basic needs (level 1 & 2) are not being taken care of, personally or financially, you won't have the space in your mind to focus on building the bigger things in life.
  • By making your regular needs automated, personally and financially, you are able to free up that space to focus, create and build your wealth.

Resources mentioned in this episode:

You've heard of the Think Enriched Crew, but are you in yet?

You can win 1 of 3 copies to be given away of Gallup Strengths Finder 2.0.

  1. Give the show a RATING & REVIEW.
  2. That's it!  You are now entered to win 1 of 3 copies being given away (just in time for the holidays.) 

Subscribe in iTunes.  Or Stitcher Radio.

Rate & Review the show.

 

Nov 17, 2015

Dave Lee, from Waves of Tech, is usually talking tech and what's happening in the industry, but have you heard his money story?  Wowza.  

This guy gets it.  

 We talk about:

  • Waves of Tech, part of Modern Life Podcast Network
  • Dave & Steve's integrity really shines through!  We talk about their public discussion of the award show that was in poor taste.
  • You control your own identity & reputation.  Make sure you are choosing wisely and are sending out the message that you want to be known.
  • His credit card debt was up to $14,000.
  • He studies personal finance continuously, why?  To keep himself honest.
  • "I'm just fed up with not having the money that I earn in my bank account."
  • How he did the envelope system:  Every Monday he
  • "It's called personal finance for a reason!"
  • Ask yourself these 3 questions on every payment you make:
    • Can I live with this payment?
    • Can I live without this item?
    • Can I make the payment lower?
  • He went to the local credit union every week:  He paid off the payments in cash to see the cash be paid off.
  • "I'm a pretty quiet person.  But to be successful in this, I had to talk about this to everybody."
  • People all around him in the workplace got involved helping him get out of debt.  They 
  • Someone told him, "You spend lots of time on money."  His response, "Yup.  If I spend my time & effort on a weekly basis on money, that's time well spent."
  • "Don't cheat yourself.  Treat yourself."
  • "It's a good feeling to wake and know, I don't have any debt."
  • Compare items on an hourly rate.  Is it worth it to work an extra 6 weeks of the year for this item?
  • How he walked his younger sister through this process.
  • Having the first conversation is the toughest.
  • Listing it out is the most crucial. Do you have an accountability partner?
  • People learn about personal finance in different ways.  The key is to find what works for you.  I made it as tangible as possible.
  • Talking about money in his relationship.
  • "90% of finances is your mindset."  Changing behavior & perspective on what financial freedom means.
  • You can always talk yourself into something, just like you can talk yourself out of something. 
  • His plan is set to retire in 20 years
  • International Podcast Day: started in 2014, trending on Twitter 
  • This year, Sept 30th, had 30+ hours of video streaming in 11 different hours
  • "The power of podcasting," is making a difference in the lives of others

Resources mentioned in this episode:

You've heard of the Think Enriched Crew, but are you in yet?

You can win 1 of 3 copies to be given away of Gallup Strengths Finder 2.0.

  1. Give the show a RATING & REVIEW.
  2. That's it!  You are now entered to win 1 of 3 copies being given away (just in time for the holidays.)

Don't forget to join me & Steve Stewart on BLAB next week:

BLAB Session: November 18, 7pm, Pacific

Subscribe in iTunes.  Or Stitcher Radio.

Rate & Review the show.

 

Nov 13, 2015

Looking at the calendar, there are only 6 weeks until the holidays are here!  That means (for most of the us) you have 3 paychecks to get ready.  Here's a suggestion on how to prioritize, shop, and get ready so you can enjoy the holiday cheer!

  •  Make your 2 lists.  (The first list will be split down the middle):
    • Column A:  Names of those you absolutely MUST buy a gift for
    • Column B:  Those who it would be really nice to give to.
    • List 2:  Realistically, write the amount of money from each separate paycheck between now & the holidays you can spend on gifts.
  • Understand the consequences:
    • You can buy it all on credit cards, but you'll have to pay interest.  This could really set you back for your 2016 goals.
    • Shopping & delivery:  How valuable is your time?
    • Handmade goods, baked goodies are fun to make:  How much time do you really have?
    • Shopping online:  Consider paying a couple bucks to pay for wrapping, instead of spending days wrapping all the gifts.
    • Delivery time:  Are the gifts going to the neighbor's house or across town?

Resources mentioned in this episode:

You've heard of the Think Enriched Crew, but are you in yet?

You can win 1 of 3 copies to be given away of Gallup Strengths Finder 2.0.

  1. Give the show a RATING & REVIEW.
  2. That's it!  You are now entered to win 1 of 3 copies being given away (just in time for the holidays.)

Don't forget to join me & Steve Stewart on BLAB next week:

BLAB Session: November 18, 7pm, Pacific

Subscribe in iTunes.  Or Stitcher Radio.

Rate & Review the show.

 

Nov 10, 2015

Chris Peach, of MoneyPeach, joins Think Enriched today.  

 We discuss:

  •  Chris, first is a firefighter & paramedic, then started looking at his finances & found they were out of money.
  • When they started doing the opposite of what everyone else was doing it started to work!
  • In 2011, they had $52K in debt: credit card debt, auto debt & student loans.
  • "I thought that's how life was: you worked; money came in; you spent it all."
  • They paid off all $52K in 7 months!
  • "When you stop your life, and you re-start it, and you do things so outside of normal, you can do these kinds of things!"
  • "That light that you hear about at the end of the tunnel?  It is way brighter than you believe it is!"
  • Student loan debt: refinance to be smart & get a lower interest rate. 
  •  Why Chris recommends SoFi; they work for the people, not just the bank and interest rates.
  • Debit cards are not the Red-Headed Step Child of the finance world!
  • The thing about car payments?  They SUCK. Hear Chris's thoughts on car payments.
  • How old of a car should you buy?  Chris believes 4 years is about right. 
  • Opportunity cost in deciding on their next car. 
  • A lot of us are immature with money: "There is financial illiteracy in this country with money."   We just haven't been taught the proper principles in handling finances. 
  •  "No one ever talks about what happens when you finance your entire life into payments.  I tell you what happens, you run out of money at the grocery store."
  • This whole "getting out of debt thing is starting to become cool."
  • Chris will send you the budget.  You don't take a road trip without a fuel gage.
  • "Everything we do in life, money interacts in it."
  • Being on a budget is not like being walked on a leash- you create the boundaries that work for you.
  •  The one thing Chris would tell you:  "Start on a budget."
  • How every police officer & firefighter in the state of Arizona can take the Financial Peace University course for free.
  • His wife is on TV several times a week and she shops wisely:  You won't believe how much she pays for clothes now!
  •  

Resources mentioned in this episode:

You've heard of the Think Enriched Crew, but are you in yet?

You can win 1 of 3 copies to be given away of Gallup Strengths Finder 2.0.

  1. Give the show a RATING & REVIEW.
  2. That's it!  You are now entered to win 1 of 3 copies being given away (just in time for the holidays.)

Don't forget to join me & Steve Stewart on BLAB next week:

BLAB Session: November 18, 7pm, Pacific

Subscribe in iTunes.  Or Stitcher Radio.

Rate & Review the show.

 

Nov 6, 2015

Have you ever walked into a store to buy one thing, like a towel, and left with entirely new bathroom decor?  There's a name for it.  

It's called the Diderot Effect.  

In this episode we talk about:

  • Our last episode, my husband joined us. We discussed our family's financial situation, progress, the highs & lows.  
  • Here are the numbers:  January 2013, we had $57,000 of debt.  We have paid off $41,000 total.  We paid off $25,000 in 2014 and $16,000 in 2015.  We have just the final $16,000 left on my student loans.
  • The Think Enriched Review: Share the one thing you have learned about money this year!  Send me an email to: amy@thinkenriched.com to share your Enriched Review!
  • The Diderot Effect: consumerism wasn't invited this year.  We can get caught up with one new thing which triggers us to buy another new thing and another.
  • Diderot's Essay, written in 1769, "Regrets for my Old Dressing Gown, or A warning to those who have more taste than fortune."
  • "Poverty has its freedoms; opulence has its obstacles."
  • Have you ever found yourself suffering from the Diderot Effect?  Like:
    • You identify with stuff, as in, "That is so you."
    • Brands are becoming part of your lifestyle and image.
    • You buy things in sets for the look, rather than the actual need.
  • Remember, it's just stuff.  It's not part of your identity.  It's just stuff!
  • Look at how the stores are set up.  They are created to help us buy much, much more than we need.
  • Set your limits for you:  make your budget, stay within your limits, and enjoy your purchases.
  • You can support the show!  Drop a Five Spot in our Think Enriched Virtual Tip Jar.
  • Support the show this week.

Resources mentioned in this episode:

You've heard of the Think Enriched Crew, but are you in yet?

You can win 1 of 3 copies to be given away of Gallup Strengths Finder 2.0.

  1. Give the show a RATING & REVIEW.
  2. That's it!  You are now entered to win 1 of 3 copies being given away (just in time for the holidays.)

Don't forget to join me & Steve Stewart on BLAB next week:

BLAB Session: November 18, 7pm, Pacific

Subscribe in iTunes.  Or Stitcher Radio.

Rate & Review the show.

Have a question?  Send me an email:  amy@thinkenriched.com 

Nov 3, 2015

Sure, we all wonder about how money works in other homes.  Today, we open the curtain and share our struggle with money: the headaches & heartbreaks (that we can now laugh about); working through the fights; making a budget work; and finally, being able to see the finish line so close.

It is nearly an understatement to say that our marriage has completely changed from figuring out the finances.  

Raul & I examine: 

  • What we remember of the early days of our marriage trying to figure out our budget.  
  • The resentment I had at that time.
  • The turning point that was the biggest fight of our marriage: "the car fight" that changed our lives
  • How I went to the first session of Financial Peace University by myself...and why Raul insisted I go.
  • The discussion after that first session & insight to our desire to change our family tree.
  • Instill hope: The reason I created this blog & podcast.
  • Learning & getting on the same page, working together as a team; our marriage is better for it.
  • The brutality of working through that first budget.
  • Why Saturday mornings working through the budget is the best time of the week for us to make it work.
  • And why Saturday morning budget time has become a habit.
  • The Christmas budget:  why we had to categorize where the money was going.
  • Why we had to decide to allow our daughter to give this holiday.
  • How we have found a balance where Raul focuses on the details, and I keep us looking toward the big vision for our family.
  • What our friends & family have noticed about our situation.
  • How having a budget has allowed us to be much more open about money.  Who knew?
  • The best example is to do it.
  • When did Raul know we were on the right path?  That very first night of FPU.
  •  The moment I knew we were on the right path?  When we could do a budget in just a quick time.
  • The story of "The Little Engine that Could" comparison to our finances.
  • How the element of surprise has been removed from our budget.
  • The jar analogy:  the big rocks, the pebbles, the sand and the water.
  • Raul is more analytical.  I am more abstract and a feeler.  We discuss how our communication styles have changed to be able to connect and reach out so that we are speaking the same language.
  • What advice Raul has for you, the one who knows there is an important conversation that needs to happen to fix your finances.
  • How having the budget eliminates the "awkward stressful conversations" in the store deciding on a purchase.
  • What Raul's opinion on this podcast & what he has learned from this experience.
  • How Raul has helped me figure out how to work from home, including: setting up business hours;  finding balance in family and creating; and how we are making podcasting a part of our life- but not everything in our life.
  • Raul asks me a question that I've never considered before.
  • The element of finances in our marriage has enriched our entire relationships. 
  • Raul agrees to return with a status update on what we continue to learn about our finances.

You've heard of the Think Enriched Crew, but are you in yet?

You can win 1 of 3 copies to be given away of Gallup Strengths Finder 2.0.

  1. Give the show a RATING & REVIEW.
  2. That's it!  You are now entered to win 1 of 3 copies being given away (just in time for the holidays.)

Don't forget to join me & Steve Stewart on BLAB next week:

BLAB Session: November 4, 7pm, Pacific

Subscribe in iTunes.  Or Stitcher Radio.

Rate & Review the show.

Have a question.  Send me an email:  amy@thinkenriched.com.

Oct 27, 2015

Jim Collison, of The Average Guy Network, shares his insight on money mangement, working your strengths and how you can win no matter where you are in your financial situation!

We discuss:

  • How Jim & his wife, Sarah, learned about money while they were young & he was still in the military.
  •  How car payments forced them to pay for life on the card, which quickly added up to serious debt.
  • Feeling guilty about debt?  It seems like the easiest answer is to spend more money.
  • Larry Burkett's book, The Complete Financial Guide for Young Couples, changed his entire financial perspective. 
  • "How we spend our money is outward indicator of an inward spiritual condition."  Larry Burkett
  • The budget can get blown out of proportion, but you fix it and move forward.
  • In 18 months they were completely debt free.
  • How he found confidence & hope to fix his finances that directed his family to live on an established budget for 15+ years.
  • How Jim stopped doing the budget 8 years ago, and put it on autopilot with his transactions & savings.
  • "I think budgeting and planning, super duper important."
  • Set up your spending categories, understand the percentages of where to spend your money.
  • Do an inventory to track your spending. Don't feel guilty about it.  Don't try to change anything & group them into expenses. 
  • "You should always be saving."
  • Your well-being goes up when you give things away, according to a Gallup study.
  • "Budget your hours like you budget your money."
  • "Most people overestimate what they can do in a month and underestimate what they can do in a year.  So give yourself a year to try it."
  • Measure, engage, & move forward on the budget.
  • Gallup Strengths Finder 2.0
  • "Having a plan is better than no plan."
  • Money equals options.
  • We discuss my strengths to look at how Strength Finders is helping me.
  • Themes x Investments = Strengths
  • Try to discover your Super Power.
  •  We all understand that: 1+1= Way More than 2
  • Jim shares his highest & lowest strengths and how he works with that.
  • Take the Strength Finders as a team, as a family, in relationships to build your best strengths.
  • When using your strengths:  Name it.  Claim it.  And Aim it.
  • What the difference is between a bank & a credit union for the regular consumer.
  • What is he proudest of while working with Gallup?  How High school students have an opportunity to do an internship at Gallup Credit Union.
  • Girls are dropping out of tech programs in junior high.  What can we do to keep them involved in the STEM program through the junior high/high school years?
  • "Don't panic and plan."
  • You have 2 of the most expensive months coming up:  Do damage control.
  • Keep the categories broad and very simple.
  • How expensive is Thanksgiving?  How expensive is Christmas?  Keep track of teh receipts and keep track. 

Resources mentioned:

You've heard of the Think Enriched Crew, but are you in yet?

You can win 1 of 3 copies to be given away of Gallup Strengths Finder 2.0.

  1. Give the show a RATING & REVIEW.
  2. That's it!  You are now entered to win 1 of 3 copies being given away (just in time for the holidays.)

Don't forget to join me & Steve Stewart on BLAB next week:

BLAB Session: November 4, 7pm, Pacific

Subscribe in iTunes.  Or Stitcher Radio.

Rate & Review the show.

Have a question.  Send me an email:  amy@thinkenriched.com.

Oct 23, 2015

While in your journey to fix the finances, you've got to examine what are the desires of your wants.  We all want...something. 

But can that want be just too, too much?  

This is a question is only you can answer.  Consider:

  • Greed is about wanting more.  It is selfish & excessive.
  • Desire is wanting more of something.
  • Finding out the motivation and the purpose of this desire is what will keep you focused on your path.

You've heard of the Think Enriched Crew, but are you in yet?

You can win a $50 Amazon gift card!

  1. Take the survey.
  2. Give the show a RATING & REVIEW.
  3. Email me amy@thinkenriched.com.  In the subject line, simply put DONE + your iTunes Username.
  4. That's it!  You are now entered to win $50 gift card to Amazon (just in time for the holidays.)

Don't forget to join me & Steve Stewart on BLAB this week:

BLAB Session: October 21st, 7pm

Subscribe in iTunes.  Or Stitcher Radio.

Rate & Review the show.

Have a question.  Send me an email:  amy@thinkenriched.com.

Oct 20, 2015

Cesar Abeid joins Think Enriched today to share his insight on how you can use project management skills to maximize your family finances.  

Cesar also shares how you can get his new audio book, Project Management for You, for free!

We discuss:

  • How one decides to become a project manager.
  • Project management for families?  Think of a family wedding.
  • Consider your stakeholders:  Who has a dog in the fight?
  • A project has a definite beginning, a definite end, and creates a unique result.
  • By creating a project, you can see the outcome, the risks, the budgets, and the big picture to make it work.
  • You decide the project.  Then you apply the principles of project management.
    • Step 1:  Composing.  Define the project.  Make it as detailed as you can to see the finished project.  Answer the question:  What do we want to do?
    • Step 2:  Decomposing.  Take the requirements of the project.  Break it down to manageable chunks.  Don't create actions, create things.  Make lists of nouns, not verbs. Use a mind map, or a sticky note.  Make it visual.
  • To motivate your partner/spouse, you'll have champions and those against the project.  
  • "90% of the work of project management is communication."
  • Help others realize that you are on the same team. Present the problem in the language that they will understand.  Don't talk budget.  Talk results:  the vacation.  Or the car you can buy.
  • His book, Project Management for You, for the person trying to take on a major task: write a book, start a business.  Someone creating a new product, setting up a new website, creating a more in-depth project.
  • Even as professional project manager, Cesar admits that he still struggles with organization and how this process has helped him personally & professionally.
  • "This something we can learn. We can also not be limited by the fear of starting something new. But our limitations should the ideas we have, and how many ideas we can have and handle, and not the fear of uncertainty.  There is a system you can use to methodically, systematically turn those ideas into reality."
  • When you break down the project into smaller chunks and you can create the budgets.  You can predict the time investment of a project, and the financial investment of the project.  

Resources mentioned in this episode:

You've heard of the Think Enriched Crew, but are you in yet?

You can win a $50 Amazon gift card!

  1. Take the survey.
  2. Give the show a RATING & REVIEW.
  3. Email me amy@thinkenriched.com.  In the subject line, simply put DONE + your iTunes Username.
  4. That's it!  You are now entered to win $50 gift card to Amazon (just in time for the holidays.)

Don't forget to join me & Steve Stewart on BLAB this week:

BLAB Session: October 21st, 7pm

Subscribe in iTunes.  Or Stitcher Radio.

Rate & Review the show.

Have a question.  Send me an email:  amy@thinkenriched.com.

Oct 16, 2015

Today we are talking about the power you have as a shopper.  I want to share with you a comparison of prices from just one shopping trip & how small decisions add up to an average of 89% savings!

October 11-17, 2015 is National Bulk Foods Week 2015

You've heard of the Think Enriched Crew, but are you in yet?

1.  Save money

  • This study, by Portland State University, shows that consumers can save 89% purchasing bulk foods.
  • Just this week I purchased my spices in the bulk food section rather than the main aisle, and you won't believe how much I saved!

2.  Help the environment

  • By buying bulk foods, you are cutting down on packaging waste.
  • As a consumer, buying just the amount you need saves on food waste.

3.  Have fresher ingredients.

  • With bulk foods you are able to smell, see & inspect ingredients to ensure freshness.
  • Buying only what you need allows you to have the freshest, most flavorable recipes.

You can win a $50 Amazon gift card!

  1. Take the survey.
  2. Give the show a RATING & REVIEW.
  3. Email me amy@thinkenriched.com.  In the subject line, simply put DONE + your iTunes Username.
  4. That's it!  You are now entered to win $50 gift card to Amazon (just in time for the holidays.)

 Resources mentioned on today's episode:

Subscribe in iTunes.  Or Stitcher Radio.

Rate & Review the show.

Have a question.  Send me an email:  amy@thinkenriched.com.

Oct 13, 2015

Have you joined the Think Enriched Crew?  

 

We are nearly to episode 50!  There are some exciting things happening & we'd like you to be part of the conversation.  Send me an email, a tweet, a message with your specific questions for that episode!

What is a money mindset?  

  • Mindset as defined by dictionary.com.
  • "Change is always an inside job."

How do you create or improve your money mindset?

  • Do this quick exercise to find out what your money mindset is.
  • Share your answer to this exercise using #moneymindset 
  • Three steps to adjust your Money Mindset
    1. Step back & decide. (24 hour timeline.)  Establish what you want from life.  Set your plan.  Determine your money mindset.
    2. Evaluate & discuss. (Next 24 hours.)  Look at your mindset paper again.  Decide what needs to change in your life to make that possible. Discuss this mindset & plan with your sweetheart or accountability buddy to evaluate, make adjustments, and put these steps in order.
    3. Write it.  See it. Live it.  Put the phrase, "Money Mindset," in a noticeable place to remind you of your money mindset. Continue to ask yourself "How does this fit in with my Money Mindset?" Be sure to share your insight & perspective with us using #MoneyMindset.

You've heard of the Think Enriched Crew, but are you in yet?

You can win a $50 Amazon gift card!

  1. Take the survey.
  2. Give the show a RATING & REVIEW.
  3. Email me amy@thinkenriched.com.  In the subject line, simply put DONE + your iTunes Username.
  4. That's it!  You are now entered to win $50 gift card to Amazon (just in time for the holidays.)

 Resources mentioned on today's episode:

Subscribe in iTunes.  Or Stitcher Radio.

Rate & Review the show.

Have a question.  Send me an email:  amy@thinkenriched.com.

Oct 9, 2015

Minimalism. Is it for You? 

  • Minimalism:   a style or technique (as in music, literature, or design) that is characterized by extreme spareness and simplicity
  • You don't have to be a minimalist to make the most of your financial situation.
  • You do have to 
    • Be a smart consumer.  
    • Be a disciplined saver.
    • Be a wise decision maker.

 

  • Let's TALK!  
  • Join us on Blab- October 21st, 7pm
  • Topic:  How to NOT Overspend this Holiday Season

You've heard of the Think Enriched Crew, but are you in yet?

You can win a $50 Amazon gift card!

  1. Take the survey.
  2. Give the show a RATING & REVIEW.
  3. Email me amy@thinkenriched.com.  In the subject line, simply put DONE + your iTunes Username.
  4. That's it!  You are now entered to win $50 gift card to Amazon (just in time for the holidays.)

 Resources mentioned on today's episode:

Subscribe in iTunes.  Or Stitcher Radio.

Rate & Review the show.

Have a question.  Send me an email:  amy@thinkenriched.com.

Oct 6, 2015

Heather Shue, of Simply Save Minnesota. shares her story of how she has learned the live teh good life at a cheaper price.

Don't forget to Rate & Review the show. You can win $50 to Amazon!

We discuss:

  • How she got started.  Just a year ago she was in an entirely different situation.
  • How she spent too much in Afghanistan while serving for her country, and what that taught her.
  • The moment she realized that if the government were to shut down, what that would do to her.  
  • How young kids, freshly new in the military, gives  full-time salary to 19 year-olds and they don't know what to do with it.
  • If kids are not learning money management at home, where are they learning it?
  • "Don't fall prey to 'Rental Car Lust.'" That new car feeling when you rent a car is seductive.  Don't fall for it.
  • Heather re-focused her goals for 2015.  Wait until you hear what she did with those!
  • She has put her retirement payment above holiday spending to complete the goal.
  • The holiday season is not a SURPRISE.  They happen every year!
  • How she is finding the balance of paying off aggressively her car payments and not dipping into the savings to survive.
  • She shares to inspire others that you can break the cycle of living paycheck-to-paycheck!
  • Heather has started practicing minimalism, but she says, "Minimalism is HARD."
  • "Life can be short.  I focus on the things I love and enjoy."
  • "It just feels good to just eliminate stuff."
  • Experiences matter more to Heather than cleaning, one reason minimalism has been part of her transition.
  • Eliminating the clothes has been a process for her. It's one piece at a time that will be leaving.
  • How she has evolved as a person working through these goals.  

You've heard of the Think Enriched Crew, but are you in yet?

You can win a $50 Amazon gift card!

  1. Take the survey.
  2. Give the show a RATING & REVIEW.
  3. Email me amy@thinkenriched.com.  In the subject line, simply put DONE + your iTunes Username.
  4. That's it!  You are now entered to win $50 gift card to Amazon (just in time for the holidays.)

 Resources mentioned on today's episode:

Subscribe in iTunes.  Or Stitcher Radio.

Rate & Review the show.

Have a question.  Send me an email:  amy@thinkenriched.com.

Oct 2, 2015

 Erin Chase, of 5 Dollar Dinners, shares her best money-saving tips for the one of the biggest challenges for all of us: getting dinner on the table. 

In this episode we cover:

  •  How to hack ingredients and make meal planning work for you
  • "Necessity the is the mother of innovation," How this all came to be.
  • A general doesn't send his troops to battle without a plan- think of grocery shopping that way & take on the challenge.
  • Using the strategies of: having a meal plan, a specific shopping list and coupons she cut her grocery bill (for a family of 4) from $500 to $250!
  • What you need to know about coupons:  they are nothing but a marketing tool
  • The key is to use them strategically (Erin's motivation):  "A dollar off coupon is a dollar you're keeping in your pocket; when you use them strategically at the right time."
  • Just starting out on the coupons?  Set a realistic goal for yourself:  $10 a week using coupons can add up to some real savings.
  • How to watch the sales and get the deep discounts on groceries.
  • The couponer's high: how you can make the coupons work for you
  • The problem with that Extreme couponing show
  • Her 20 Meals for $150 at Costco tried to break the Internet
  • When she knew that this was an actual business model
  • "There's definitely no such thing as small change." Physical change like from the grocery store AND habit change.  
  • How she works on this business, but still makes sure that her family comes first.
  • They say "You can't have it all," how Erin's been able to make all of this work for her.
  • How she achieves all the business elements with her team, and how she has moved from a one-person operation to an entire team working for her.
  • How she avoids burnout in the business.  
  • How she has eliminated the mindless scrolling on social media.
  • How project management has helped her maximize her time.

You've heard of the Think Enriched Crew, but are you in yet?

You can win a $50 Amazon gift card!

  1. Take the survey.
  2. Give the show a RATING & REVIEW.
  3. Email me amy@thinkenriched.com.  In the subject line, simply put DONE + your iTunes Username.
  4. That's it!  You are now entered to win $50 gift card to Amazon (just in time for the holidays.)

 Resources mentioned on today's episode:

Subscribe in iTunes.  Or Stitcher Radio.

Rate & Review the show.

Have a question.  Send me an email:  amy@thinkenriched.com.

Sep 29, 2015

This episode is to give you the scoop as to what is happening here at Think Enriched!

  • Our first listener email has arrived to Think Enriched!  
  • Send in your insights & feedback to amy@thinkenriched.com; with your permission, we'll share them on the show and reach out to more people!

September 30, 2015 is international Podcast Day!

You've heard of the Think Enriched Crew, but are you in yet?

You can win a $50 Amazon gift card!

  1. Take the survey.
  2. Give the show a RATING & REVIEW.
  3. Email me amy@thinkenriched.com.  In the subject line, simply put DONE + your iTunes Username.
  4. That's it!  You are now entered to win $50 gift card to Amazon (just in time for the holidays.)

  

Subscribe in iTunes.  Or Stitcher Radio.

Rate & Review the show.

Have a question.  Send me an email:  amy@thinkenriched.com.

Sep 25, 2015

You can control your cash this Christmas!  The tidal wave of sales promos, deals, and opportunities to spend way more money than you ever imagined are on their way!

Give us a rating & review.

Notes from the episode:

  • The power of getting your Finances in order
  • Set the framework for your life with your finances
  • Join the Think Enriched Crew
  • White-tailed deer have poor vision, they're crepuscular
  • When a deer freezes in the headlight, it has nothing to do with fear.  It is so much light flooding their eyes that the brain can't process it.  Better explained by the NY Times.
  • There is a flood of bombardment coming your way for holiday season shopping, you have to be prepared so you don't freeze like a deer in the headlights.
    1. Pick your number.
    2. Make the list.
    3. Work the plan.
  • Never let a celebration overturn your financial path!

 

Subscribe in iTunes.  Or Stitcher Radio.

Rate & Review the show.

Have a question.  Send me an email:  amy@thinkenriched.com.

 

Sep 22, 2015

Alex Barker, of the 66 Day Experiment, shares his story of beating debt, learning to work together as a team with his wife, and the importance of willpower.

Interview Notes:

  • It all started with a fight.
  • They have paid off over $60K in 2 years of student loan
  • The power of reading personal development books in his life
  • Working as a resident pharmacist they were able to pay off $11,000 (on a $40,000 income)
  • How they learned to live as cheaply as possible.
  • Listen how we determine what is appropriate to discuss about money.
  • How they chose to live like they were still on student loans once Alex received a full pharmacist's salary.
  • How they chose to buy the home and invest in it over the long-term
  • The first paycheck of the month goes to expenses
  • Second paycheck of the month goes to debt
  • The side business he works on every morning.
  • The habits he has created to run his business and life.
  • "We are what we repeatedly do.  Excellence, then, is not an act but a habit."  Aristotle
  • He has allocated 20% of the business income to pay off debt
  • And allocated 10% for an upcoming surprise for his wife (Ssssh!  Don't tell.)
  • What has the been the hardest thing for him to do to get out of debt.  (And, telling his wife "no" is it.)
  • How his parents taught him money management skills.  The power of $2.50 for him.
  • How they balance as a couple between the spender and the saver.
  • "Willpower is one of the most difficult qualities to build, but once created, big change can happen."
  • Teaching the importance of work to make money to his daughter.
  • Busy people remain busy & productive to make things happen.
  • The power of delegation to help him stay working on his projects.
  • The 66 Days Project:  Creating habits in love, wealth and health.
  • Working with his mentor, determining to achieve the satisfaction of life.
  • When something truly scares him and he does it- that's where he finds contentment.
  • The power of a coach, and how that has helped him.
  • His advice to grads with student loans?  Invest in yourself first.How much he spent on his first coach while he was a resident to move forward in business.

Resources mentioned:

Questions?  Let's talk:  amy@thinkenriched.com

Ready to get your finances in order?

  • Subscribe via iTunesStitcher, or RSS
  • Leave ThinkEnriched an iTunes rating and review

 

The episode "Alex Barker | Has willpower. Beats debt.," first appeared on Think Enriched.  

Sep 18, 2015

Several people have mentioned lately that this show is motivational with money strategies, things that they have found inspiring, and great stories...but it won't work for them.

To them I say, "Say Whaaaaaat?"  Kind of reminds me of the "It's Not About the Nail" video.  Remember that one?

All of these financial strategies will never change.  Until you change.

Here's the thing: you probably don't need more money. What?  What did she just say? You just need to get organized.  You need to know where you are today and how you'll be doing tomorrow.

No one can do this for you.

The MoneyBus Coaching program to help you do that.  We will look deeply at where you are, what is missing, and what are the next few steps that you can take to drive your MoneyBus.

We can talk about it all you want.  But nothing is going to change, until you do. 

Isn't it finally time?  Go to ThinkEnriched.com/Money-Bus to sign up today!

 

Sep 15, 2015

Everyone talks about great it would be to start a blog and turn it into a business, (kind of like this moment,)  Dana White, of a Slob Comes Clean, has made it happen!  

And how did she do it? She wanted a clean house! This episode really

  • How her blog/ business came to be
  • How her writing through a struggle has helped many people
  • She doesn't write about being perfect, she offers hope
  • How to be a coach:  What you need to know
  • Earning through e-books.  The process of creating a product.
  • Products make her blog a business.  
  • Where she is selling her products & why.
  • It's okay to consider yourself a brand, not just a blogger
  • What she would say the person that wants an online business but has no idea how to get started.
  • What do people come to you and ask, "How do I do...?"
  • A product allows you to have a business
  • How she controls her income.  She decides when more money is coming her way.
  • How she began to understand her value as a cleaning expert & teacher.  
  • What she would tell you to get started on creating another online income stream.
  • Don't spend too much time setting up.  Get working on your creation and business.
  • Do what is fun to you!  It keeps you energized and invites people to learn more you.
  • "You don't have a blog, you have a message."
  • The level of passion of the people that follow her is remarkable..  The people she connects with on YouTube are not the same who read her blog or listen to her podcast.
  • How to measure the impact of her followers
  • What it means for her to be "Ridiculously frugal."
  • How she had learned to buy a car without going into debt.
  • Her Dave Ramsey car story.  You won't believe what happened to this family!
  • They decided to not buy cash cars in the future, have a solid down payment and pay it off as quickly as they can.
  • How they determined to do what was best for their family

Resources mentioned:

Sep 11, 2015

Today we talk about a book, a Blab, and big things coming your way!

Friday Favor:  Essentialism, the Disciplined Pursuit of Less, by Greg McKeown.

  • "Less but Better."
  • Discipline of pursuing less to have better quality items, relationships, and income streams in your life.
  • Less buying gives you better quality.
  • Less ingredients, healthier meals.

Come talk with us!

  • Upcoming Blab session with Steve Stewart on September 23, 2015 at 6PM (PST) 
  • Bring your questions on money or
  • Share you success with finances or new perspective on money.
  • Join us at the Money Blabstermind

Big things are coming your way!

  • This show will have a new format.
  • Thank YOU.  Thank you.  Thank you for joining us!
  • Think Enriched FB Group (Share your secrets & help others to find the best way to save money, improve your finances, and live your Enriched Life.)

Resources:

 

Questions?  Let's talk:  amy@thinkenriched.com

Ready to get your finances in order?

  • Subscribe via iTunesStitcher, or RSS
  • Leave ThinkEnriched an iTunes rating and review

 

The episode "Friday Favor for You," first appeared on Think Enriched. 

Sep 8, 2015

Doc Kennedy, of Filmmakers Focus, shares how freelancing to create his business has worked for him.

  • What does it mean to be a freelancer.  His work is usually set by contract to make his income.
  • The challenge of working as a freelancer with seasonal work.
  • Why a small business, or online business, would consider hiring video work.
  • How important people skills are with the video process.
  • How Doc builds trust with his clients.  Time invested in his clients adds value.
  • Explaining work with the church to his clients & builds trust
  • How he decided to become a comedian.  The all or nothing point.
  • How those tough growing up years have given him strength & allowed him to build quality relationships.
  • How he helps others through filmmaking & how his past experiences has taught him compassion.
  • How he uses filmmaking as a service.
  • Where he finds inspiration from his work.
  • How he lives an enriched life. 
  • "Art is never finished.  It is only abandoned."  Leonardo Da Vinci
  • Build a life for yourself.

Resources:

Questions?  Let's talk:  amy@thinkenriched.com

Ready to get your finances in order?

  • Subscribe via iTunesStitcher, or RSS
  • Leave ThinkEnriched an iTunes rating and review

 

The episode "Doc Kennedy | Freelance Your Finances," first appeared on Think Enriched. 

Sep 4, 2015

Finding a good financial advisor is important.  Finding the right one for you can be extremely beneficial.  Consider:

  • Who your friends' financial advisor is (similar life experience gives you knowledge.)
  • Find out if the advisor if fee-based (paid for the advice they give) or commission based (paid for the products they sell.)
  • Which compliance standards they follow Fiduciary Standards or Suitability Standards.
  • Follow your gut instinct if this should be the advisor that is right for you.

Also, let's talk!  I want to connect with you personally!

  • Wednesday, Sept 9th, 6pm, Pacific (9pm, Eastern)
  • Go to Blab.im look for Amy Robles, Money Management 

 

Questions?  Let's talk:  amy@thinkenriched.com

Ready to get your finances in order?

  • Subscribe via iTunesStitcher, or RSS
  • Leave ThinkEnriched an iTunes rating and review

 

The episode "How to Find the Right Financial Advisor for You," first appeared on Think Enriched. 

Sep 1, 2015

Joe Saul-Sehy, from Stacking Benjamins, comes to Think Enriched! A former financial advisor, he knows how to help you find an advisor who is the best fit for your family.

Today we talk about:

  • How to find a quality financial advisor in a new location
  • How do you know when you are ready to have an investor
  • What kinds of questions to ask him/her.
  • What kinds of questions he should be asking you.
  • Why you are the rock star & he is the agent
  • Why you should be driving your own Money Bus
  • Why it can be dangerous to follow a money guru without seeing where you are in your financial journey.
  • Joe tells us how he has ran at least one mile for 1,000 days
  • How he won a Plutus Award and what that means for him in the financial community
  • Joe shares a special link just for you, the Think Enriched community:   StackingBenjamins.com/amy

Resources Mentioned:

Questions?  Let's talk:  amy@thinkenriched.com

Ready to get your finances in order?

  • Subscribe via iTunesStitcher, or RSS
  • Leave ThinkEnriched an iTunes rating and review

 

The episode "Joe Saul-Sehy| How to Find a Good Financial Advisor," first appeared on Think Enriched. 

Aug 28, 2015

Bankruptcy.  Sure, we all know someone who has gone through a bankruptcy.  This episode gives you the ins and outs so you can intelligently discuss it and help others understand the decision.

 Note:  This show is for informational purposes only.  If you are considering bankruptcy, seek legal counsel.

Chapter 7:

  • Called the Straight Bankruptcy
  • All your personal assets are collected & liquidated to pay off as much debt as possible.
  • Process takes 4 -6 months 

Chapter 13:

  • Called the Reorganization Bankruptcy
  • A court-appointed debt repayment plan is established.
  • You can still keep your assets during the bankruptcy
  • Repayment time of 3-5 years
  • Once approved, creditors can no longer contact you

 

We also discuss:

  • How often you can file for Chapter 7 or Chapter 13 (they are not the same) 
  • Roll of a trustee in the bankruptcy process
  • Pros & Cons of the decision
  • The amount of time the bankruptcy will be on your credit report
  • Who is responsible to get the bankruptcy lifted from your credit report once the time has passed.
  • How the decision impacts your life in other ways
  • My personal opinion on the bankruptcy decision.

 

Questions?  Let's talk:  amy@thinkenriched.com

Ready to get your finances in order?

  • Subscribe via iTunesStitcher, or RSS
  • Leave ThinkEnriched an iTunes rating and review

 

The episode "Bankruptcy Breakdown," first appeared on Think Enriched. 

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