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Think Enriched

If you've always wanted a business and life, you love, Think Enriched will guide your path. Any smart, 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 ENRICH Framework. This framework helps your business become purposeful and profitable fast, giving you more time to enjoy your life. Listeners relish the refreshing honesty and humor host Amy Robles brings as she guides women to level up their lives, create the business they love, and keep their family first.
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Now displaying: August, 2015
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. 

Aug 25, 2015

Debbi King, learned about personal finance the hard way, with over $200,000 of personal debt.  Now she teaches financial literacy to people across the US.

  • How she had the dreams in her mind, but had no idea how to get there.
  • When she hit the wall, she found herself with over $200,000 of debt, making $12,000 a year.
  • Why she was looking in the wrong places for quick-fix answers.
  • How she decided to start completely over. And why she would never recommend bankruptcy for someone else.  
  • Even after bankruptcy, she was going back to same habits that got her into the massive amount of debt.
  • Personal finance is 10% math and 90% emotions.  
  • When she started asking herself the tough questions about, "Why was she buying all this stuff?"
  • People want the magic pill- The way to fix a major financial problem without any discomfort.
  • How "Keeping Up with the Joneses" got her.
  • "I identified myself a lot with what I owned."
  • She wasn't a fixer on things, she just replaced them.
  • People are afraid of judgment and would prefer to live with the stress.  It's not worth it.
  • When you get the habits and emotions in order, your life will completely change.
  • Financial freedom only comes when you set healthy boundaries of your emotions and habits.
  • Personal finance is personal.  What worked for me- may not work for you.
  • How you know you are ready for a finance coach.
  • Figure out where you internally to match the budget.
  • It's good to take time and enjoy the journey of getting out of debt.  
  • Don't feel like a failure if you take time for yourself while paying off that debt.
  • You have to find a plan that works for you.

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 "Debbi King | Hit the wall.  And came out swinging," first appeared on Think Enriched.  

 

Aug 21, 2015

 

Do you really NEED an emergency fund?

 

YES.

 

How much do I really need?

 

Trends say start with $1,000, but if a job loss/ crisis arises how soon will that money last for you?

 

Figure out your number.  Consider:

Job loss

ER visit

Insurance deductible...

Dental situation

Pet injury

Replace a water heater (Major home repair)

Family situation/ funeral/ travel

Moving costs

Car trouble.  More than oil change.   Major car trouble.

 

Where to put that money?

Freezer?  Undies drawer?

Savings account?  Most likely

Money Market account?  Provided that you will have some cash directly.

 

How to create it?

Set up that account.  (trip to the bank/ online)

Set up automatic savings  Think (Out of sight. Out of mind.  Ready for the clutch.) 

($50/check at 26 pay periods per year =$1,300)

 

Bump that up ($100/check at 26 pay periods a year = $2,600 + $1,300 = $3,900 in two years without thinking about it.) 

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 "Cash in the Clutch," first appeared on Think Enriched. 

Aug 18, 2015

Megan Pangan, from Get in the Lab, gives some incredible insight on the work that needs to be done on the inside to enrich your life and finances in ways unimagined before.

  • Why Megan starts every episode with Plato's Quote: "Know Thyself."
  • How she came to understand her power to make her life better.
  • How personal development helps her financially.
  • How she brought back the voice that she had quieted for so, so long.
  • When she started asking the big questions: "Why am I here?" and "What am I doing on here on this earth?" and what that changed.
  • How she found herself giving to the point of being taken advantage of- and how that showed up in  here finances.
  • What that final point that led her to turn it around. 
  • How the stress & anxiety of her finances became a back pain issue.
  • She shares the story of her being Teacher's Pet, but never got the gold.
  • How she realized that she never really landed her punch.
  • We discuss how being a woman may or may not make it easier to be passive about following your own ambitions.
  • How working with her fiancee and watching their business grow; yet still having a desire to build her own thing.
  • Why she believes you have to believe in yourself before you can ever make a sale.
  • We discuss the line between being confident and genuine or being cocky and insincere, and how to recognize that in the online space.
  • How she has determined a selling/ marketing strategy that rings true to her moral compass.
  • The importance of meaning what you say.  How she had to teach that to someone.
  • VEDA: Vlog Every day in August or April.  A challenge/process of answering questions online to make a video.
  • B2CVEDA, Megan's branch of VEDA.
  • How she is an introvert and works on camera regularly.  Bonus:  Her secret to bring out the performer in her introverted self!
  • Create something with heart.

Resources mentioned today:

  • Gary Vaynerchuck
  • The Secret
  • James Altucher
  • #VEDA
  • Amy Schmittauer, Savvy Sexy Social
  • B2CVEDA
  • @meganjphoto
  • GetintheLab.me

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 "Mind Your Own Beeswax," first appeared on Think Enriched. 

 

Aug 14, 2015

It's Friday!  Let's put the Fun back into the fundamentals of finance!

  • Shout out to part of our Think Enriched Nation (TE Nation), Dave Lee, for giving some insight on how he Invests in Himself.
  • Do you know how the phrase, "Mind your own Beeswax," actually came to be?  I'll share the story with you and how it applies to financial wisdom.
  • I share how this summer we have been reminded that, "What is measured is improved," and why tracking your money is key to making major strides in your financial situation.

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 "Mind Your Own Beeswax," first appeared on Think Enriched. 

 

Aug 11, 2015

Josh Cook, of Family Finance Works, shares his story on Think Enriched! 

We look at:

  • Josh shares his story
  • The low feeling he experienced when making poor money choices
  • Kids bring an extra layer of financial accountability
  • Why he decided to get a blog out into the world (it wasn't his choice)
  • Avoiding the "Squirrel Syndrome."  Distractions are everywhere.
  • Saving is a discipline.  
  • You've got to be future oriented to achieve your goals.
  • Find those people who help you improve your life.
  • You can improve the lives of those around you.  Build those friends up.  Serve others and build them up.
  • How they do The Family Budget.  The routine they use to incorporate the goals within the budget.
  • Pay the bills manually.  See the money go out. 
  • "Make the spending hurt and the saving easy."
  • Have a relationship with your money.  Watch the small things- they add up and can bite ya at month's end.
  • He's a spread sheets guy with a less detail-oriented wife.  How does that work?
  • The toughest conversation to get going is a money conversation.
  • Don't take it personally.  It's teamwork situation.
  • "Small improvement is progress."
  • "It takes time to build the discipline."
  • A budget does not mean you're being punished.
  • How an abundance mindset affects your budget.
  • Generosity is important to implement in the process.  Teaching the kids to give to others helps develop that abundance mindset.
  • Give children opportunity to decide how to use money.  Example:  Josh's children's success with a lemonade stand.   And what they did with the money they earned.
  • The blanket of negativity that holds you back.
  • How to become a more positive person.
  • Too many are hopeless with their finances.  How that person can get the perspective.
  • "Keep it simple.  Spend less than you make.  There's always hope and help for you."

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 post:  Think Enriched | Episode 25 first appeared on Think Enriched.

Aug 7, 2015

While you are saving money, paying off debt and focusing on your future, it's easy to forget to invest in yourself.  Don't make this mistake.

 

Here are five reasons why you should invest in yourself:

  1. Because NO ONE else will.
  2. You will only improve if you choose to do so and are willing to work at it.
  3. You can improve your mind, skill set, body and it helps in every other facet of your life.
  4. When you broaden your horizons you can set your own financial path.
  5. You determine how much money you will pay to invest in yourself.

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 post:  Think Enriched | Episode 25 first appeared on Think Enriched.

Aug 5, 2015

Scott Barlow and wife, Alyssa, creators of Happen to Your Career, share their real-life story of how they learned to manage money, paid off a tremendous amount of debt, and created a business helping others navigate their career path while being able to stay at home with their family.

This dynamic couple made me laugh, look deeper and enjoy our time together.  We cover:

  • High school sweethearts figured out money in the world.
  • Scott built his first business in college.
  • Their first career move and settled into the house, dream cars and then lost a job.
  • How they determined to get serious about finances.
  • Finding themselves in the "Bad Spot."  And how he told her it was time to fix it.
  • The numbers were more surprising than they realized.
  • "Counting your debt in airline miles..." is not the best way to evaluate it.
  • It was not easy.
  • How they work as business team and still maintain marital bliss.
  • "I can create things that are valuable for other people...and make money!"
  • Asking for a raise is possible.  
  • How do you take control of your income, your health, your life...?  They are all interrelated.
  • When they stopped moving up the career ladder and decided to make his business- to their business.
  • Working at their company, balancing the details with big picture perspective.
  • How to balance the business and their regular life.
  • Create value and create the life you want. 
  • Chats over coffee offered value to others, that led to Scott's business model.
  • How kids changed their perspective on money management, life, and overall goals for them.
  • Their business, "Happen to Your Career" can help you find your career path.
  • A bonus created just for Think Enriched listeners is found at:  http://happentoyourcareer.com/enriched

Links 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 post:  Think Enriched | Episode 25 first appeared on Think Enriched.

 

 

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