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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: November, 2015
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.

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