11 Burst results for "Steve O'brien"
NewMediaSummit and the Word of the Day is
"This is Steve O'Brien and seriously. You've got better things to do than listen to the nice guys on business, like rearranging your sock drawer, watching paint dry, taking up Maccarone. But if you must listen, be prepared to hear some colorful metaphors. Parental discretion is advised. Coming up on the frigate frac show better known is a nice guys on biz my first time on this show. So, and I've heard about all the fucker e that ends up in a lot of your shows. How much is on this show? How much is it fitting on this? This has been spiritual awakening version of the nice guys on business. And just as a reminder, the word of the day is you see, Danny, there's a force in the universe that makes things happen. And all you have to do is get in touch with it. Stop thinking, let things happen and be the ball or be the nice guys on business. Either one is good. Well, looks like they pick their on wync to stop sniffing glue. They picked the wrong week to drink and they picked the wrong week to could end phetamine looks like they picked the wrong week to stop being assholes. Well, looks like picked the wrong day to give up the nice guys on business podcast that in sniffing glue that that there's a difference need an education on how to grow your business. The nice guys are here to help. Learn about great customer service networking and how just being nice can help you prosper. Now here all your host, Doug Sandler and Strickland Bonner. Hey, everybody, welcome back. Welcome back fans. My name's Strickland monitor on the other side of the microphone. This your duct Sandler. We have a cavalcade of beautiful women here in the room with us and Michael. Michael. So we're here the new media summit, and let's see, this is the Thursday episode. We're actually recording this Wednesday night. Wow, this is I don't know if we have quite ever come this close to the deadline. No, no. We usually do not record Thursday's show on Wednesday night, but we've just been procrastinating crossing, and here we are. Now we're going to have a lot of fun because we just had a great dinner with this great crew of people, and I couldn't even pronounce the name of the place that we went pop is Bob Papa die dough. Uh-huh. Do hop in fresh. So, yeah, Papa Domino's. Okay. All right. All right. All right. So why don't we pass them ice round in everybody introduce themselves. Okay, so here's what we'll do since we have many podcasters and potential podcasts or wannabes, why don't we say who you are? Say, what your show is maybe just give like a twelve second commercial on why we should tune into your show. If you're not listening, of course to the nice guys on business, Michael, you don't know which shows you have. All right. Well, we'll start with a beautiful woman to my left. Surprise surprise, funk in fans. It's JJ Haines, Shelby. So you already know me. So I'm going to pass the mic. Which which one, which one he seven shows Kanai would like you all besides coming on the nice guys, funk and fan cruise in December. I would never come on the next cash. Oh, I would like you to listen to women men and relationship. So you can hear Doug. I on the second episode on Thursdays every week. That's what I want. So women men, relationships. Amazing what's up everyone. It's I am ruby host of the love punch podcast, and just listen. If you give a fuck, you will listen. And if you'd like to say, fuck, you'll listen awesome passing it on. Oh, I would like to say that the love punch podcast is the only pockets that I have heard that may of more cursing than the nice guys on business, and we appreciate that. And ruby, the host of the show actually has more tattoos than you and I put together who very true that is the truth. I can attest. In fuck tune into love fund. Hi, I'm Amy Schumer and I host inspired conversations with Amy Szuber. I don't say fuck a lot, but we do once in a while. You do. Maybe you might end by now that's an important place not to pause right there because that's what it sounded like to me. We don't talk a lot, but we do. Again, having to pass the mic. Very inspired conversations on those days. Trust me. This is surely Baldwin. The wannabe podcast her because I don't have a podcast yet. That's why I'm here learning about it. And. We think it's going to be called leadership curves or clean sheets. I don't know if you can do clean sheets because I think that that Matthew is going to take clean. He made it up for me, oh, and I found like she's not having sex. We're not going to be. She's not having sex. Oh, no, I am for sure. But not right now though. Right?
Ben Walker Knows Transcriptions
Melissa Seaman- Following the Universe with Strategy
"Coming up today on the nice guys on business. I think that we all have genius at flows through us when we're when we're open and we're ready and we're staying in that flow state. Surely the can't be serious. They are, but don't call them Shirley. Meet an education on how to grow your business. The nice guys are here to help learn about great customer service networking and how just being nice can help you prosper. Now here all your host, Doug Sandler and Strickland Bonner. We're going to take a little bit of a walk on the woo side today. That's actually how I started my intro for you, and I'm like exactly, but I'm okay with starting a little bit on the Woodside see guy community. Melissa semen was interested me about a year ago and let me say this. She's fucking legit. Okay. I know. I know. I know. I know. I know we have some nonbelievers in our community, and I would have to say that. So recently I was probably I was probably one of them, but and then I realized the universe works in some serious fucked up mysterious ways and Melissa's gonna share at just spent about five minutes talking to her about all of the of the mysterious ways. The universe actually comes collectively to you, and I know you're going to get into his also some Melissa's about to share with our funky bands, the ways in which those ways those mysterious ways can actually come to life. But everything about Wu is what Melissa, at least in the beginning. I thought she was not. I mean, reading your bio and then getting to be a friend of hers and then getting understand it a little bit. She's af Stanford educated lawyer, business strategist, and. Leaders leader and dumb. She's gonna, discuss this thing called your soul gift. And again, if there's anybody out there, I want you just that does not believe or even if you do believe, just fuck you for just one second. Okay. Just to sit back for just a minute, just roll down your window of skepticism, just enough so that these next fifteen twenty minutes that than I are gonna talk will allow some bit of of of, I guess, knowledge let it bake in for just a moment. I'm gonna talk about Melissa's going to talk about what a soul gift is what your soul gift is, what your genius is. Stay tuned. She's here. She's gotta get forty at the end of his episode. Also what that was like. One of the most fucked up enter introductions, but you know, Melissa, you're so much more worthy of that. I could hit stop right now and do it all over again, but I don't think we want to. I think we should just roll or anything yet channelling baby channel. Okay. Well, let's start there because actually that was my first question I had written down is like, what am I gonna talk to Melissa about? I know I've had you on our Biswas podcast or we have had some conversations and I took your your soul gift challenge and we're gonna share with people how they can do that too, but what is challenging channeling? What a challenging, what is channeling? Can we start there to begin with challenging about are challenging right now? You know. I like you say, I'm an ex lawyer write a recovering lawyer, and I work with a lot of professionals late. I work with Silicon Valley executives. They work with company founders and and so for me like the whole woo thing at first when I got going with the wou I was now is not so much for it. But where I'm at now is we can put the stuff to work for us and it can support the bottom line. It can make stuff clearer. So the big challenge, I would say with channeling as people think it's something weird truth is the most brilliant company founders innovators, high end professional people that I work with, they are following their gut. They are getting into their flow state. They are following, you know, that sort of mysterious intelligence that moves through them without thinking too hard. Yeah. I look at the that voice that inner. The voice, and I just say, how can it not be? How could that not be something like channeling? If it's not if we don't call it channeling on our side, if we call it our inner genius, if we call it that gut instinct, we call them in that inside voice that whatever it is that you call it nice guy community. You can call channeling. You can call it your inner voice, whatever the fuck you call it, it just know that it's it's not just a blank stare stare staring at you. This is actually an energy force it's coming through you. Well, yeah, I only have to convince anybody anything because I just ask a couple questions like, you know, have you had that moment where you're standing in the shower and you finally unwind, and then suddenly that problem you've been noodling on for days the answer just downloads like, ooh, where the heck did that come from? And it might be an answer that you wouldn't have even thought of. It might be an idea that when people say, how'd you get that idea? You shrug and think, I don't think it is my idea. I don't know where it came from and I would say, well, that's that. That's what I'm pointing to is the fact that we're all. These, you know, on a good day, I think we're kind of empty hoses that we allow something really great to come
Dan Sachs has a Million Dollar Greeting
Thursday in the Time Machine
"Broke. I always, I always being recorded the day that that Doug was organizing his movers out of his house and studio is absolutely blank. So just so you just so you know, that was the day that you may not realize that, but that's the day that my my wife kicked me out. I don't I don't know. know. We're talking to Richard non guard about viral leadership. His book Vira leadership sees the power of now to create lasting transformation available on Amazon dot com. I got Richard here right now just to share a little bit of information about the book. Richard goal, Golan businesses to take the success of the moment, but to create something sustaining. So the book takes you through the four quadrants of our leadership, engaging viral teams and creating innovative ideas and getting ownership by and for those things all on a fundation of a culture of engagement and following that strategy businesses, whether it's solar preneurs or a large business than has the opportunity to really enlarge their footprint to be seen by more people to increase the opportunities that come their way and most of all to create happiness. What's really cool about the book every check it out goal setting versus intention saying the difference between those two I would. I was learning. I was. Goal setting all along why should probably have been intention setting. So the book covers that. How had you create opportunity? Is it directed as it caused? Is it organic? Where's that coming from and how to create a viral success really interested in that as well. Check out the book. The link will be in the show notes. IRA leadership sees the power of now to create lasting transformation. The nice guys on business podcast, the sport does the motor heads geeks, sluts, blood sway stories. Do we stick heads? They think their rights just dudes. Need an education on how to grow your business. The nice guys are here to help learn about great customer service networking and how just being nice can help you prosper. Now here all your host, Doug Sandler and Strickland Bonner. All right. Strike starts up again. Hey, welcome back. Welcome back fans. It is now Thursday in our time machine and we are back with our funk infants takeover. Once again with Virginia Muzquiz JJ full Zene Ali from Finland Janney Bellinger Tennessee, Tim, Paul Brown and now just jumping on Marcel as well. And, hey, Doug Sandler might and you Doug Sandler. Are you doing? Wait a minute. I don't know Marcel. How do I know Marcel? Why don't you go? Where did I say you Marcel Marceau. He's Marcel no relation to Paul Brown Marcel Brown, right. I was going to say you're, you're a good looking guy. What did you have another fair that you needed to pick up Marcel. He's my personal chauffeur. He's not an actual lift driver. Okay. I understand. Hey Marcel. Do you actually live. Doc fries up there. I'm trying to figure out how JJ and Doug are on the same internet connection. JJ didn't freeze up and Doug did. I'm not sure how that works. I don't know, because because I'm out at the pool, I have my own IP address out here at the pool. I see. I see you're asking where Sal, if he actually show Marceau introduce yourself. I do listen to the show now dishonoring should. So do you listen to money as in Friday interviews, or do you listen to Tuesday and Thursday fucker. Mostly Tuesday and Thursday. We then up when you go all week, but I have listened to some interviews exclude them. I just listened to my show. Virginia Muzquiz episode on Monday. Doug did an amazing. You're just as fast Monday with Virginia moose keys for those of you who are not sure. It was episode seven, twenty four. Go back and listen if you haven't yet. Hey, and we also have we also have Paulo Brown hair. We. She was the the the final guest tune in on Tuesday, so Paulo. He just wanted to give you a chance to introduce yourself, introduce yourself and why do exactly do you listen to the nice guys on business podcasts? Aside from your excellent interview also. Yeah, thanks for that. That was really a lot of fun. Lots of people enjoyed it. Yeah, I listened to Tuesday's mostly because that's more convenient for me and it just Tuesdays. And then I sometimes read the show notes like Jeanie, Jeanie, and I are brilliant readers. So I read the show notes from Thursday and some of the other days. But I just like to laugh
Richard Nongard- Being an Active Viral Leader
Virginia Muzquiz- Business by Referral, Life by Design
"Dropped on their heads is children. Here's what's coming up on the nice guys on business. So I'm the givers, and there are more givers in the rim than you know. And those givers will say, wow, Doug is so super new in business and still his giver. I wonder how we could get somebody to help him today on the nice guys. Podcast sensing fighting torture, revenge, giants. Monsters chases escapes true love miracles. No, that's the Princess bride. Need an education on how to grow your business. The nice guys are here to help learn about great customer service networking and how just being nice can help you prosper. Now here all your host, Doug Sandler and Strickland. Bonner Virginia, moose keys is the referral diva still want to be called the referral deviate. If we change everything else about your business set fans up. Okay. We're not changing everything about my business for changing everything. So it's like in my business. Okay. Well, cool. Well, she teaches each six figures solar nor how to build businesses that fueled their passion. I mean, that's cool. Is that to be able to actually build a business that's making six figures and that you love doing? And it's like a a really hard driven heartfelt business. If this is you nice guy community, and if you are not in the six figure space, you need to listen up. If you are in the six figure space, you totally need to listen up because Virginia is the shit you're going to get to know her even more now having massive impact on and in your communities where she wants to be with ever thirty years of teaching training and business building experience. Virginia as definitely demonstrated the how To's of leveraging social impact and social capital fast and right now. So she has been the chief connections officer at master connectors ink, and then executive director of two franchises in the BNI whilst the that would be the not the Baltimore networking international business network international Virginia coaches, fourteen hunting really is fourteen hundred entrepreneurs, holy shit, really Addy find all of them row. I have a team and she's got a big time. She Bill builds business using word of mouth, best pack practices, and she hosts a podcast inter free time when is free time and best off, I'm proud to call her my friend, welcome Virginia. That was the most lame. As long as introduction I've ever heard. But you're here. So let's just get it started. I'm here, so let's do it. I love it. I love it. So tell me why I hate networking so much, and while you're so good at it, why do you hate networking? Well, why do don't allow to say to somebody say to somebody. Going to a networking meeting and or I'm going to networking armed going to even somebody might say, and I'm gonna say this directly to you since you're since you're majorly involved with BNI God, one of those things come on seriously. I really need to go to that and use it, and I'm and I'm saying that with all the love in my heart, but what, what do you say in return to somebody that says something like that. Melik it just it isn't really for everybody. What I do isn't for everybody. I mean, some people prefer SEO some people like using social media and some people like using funnels, and it just depends on who you are as a person and what it is that you want to accomplish. So let me just start here. Why would you want to do something like the an eye or something like the the programs, my coaching programs, like my referrals on demand program or my referral alliance program? Well, here's a thing. So most people run what I call referral algorithms and it looks like this, you say my back hurts. Do you know a good chiropractor? And I say, yes, my chiropractor Dr. Crystal, should I have her call you? And you say why? Yes, Virginia, thank you. And I called Krystal and I say, call Doug. Right? So that's what most people do if they're even remotely good at referring. Actually, what most people do is they play business card poker, they run. Around throwing their business cards around and then hope and pray that maybe somebody calls them everything that they collect, they like put on their autoresponder, start spamming everybody right and left. And that's really a relationship BUSTER in nobody is going to do business. And I think that that's what's given networking such a bad name, but but it's the rarity. It's the rare exception where somebody says my back hurts, and then I say, while great, I have a great chiropractor. Her name is Dr. Deb, let would you like me to get her to call you. I mean, it never goes to that. It always gets goes to all. Here's her name and number check her out, you know. And that's like one step short of its once better than than a cold call, but it's but it's at the same time. It's like now you're letting letting the behavior of the person that you're giving the referral to all the power. And I hate right because they never do anything. Right. Well, there's one step even below that, right? Which is all really care about your damn back. Doug, you wanna buy my life insurance. Oh, I got it. So you aren't there for the chiropractor. You were actually there to sell life insurance, and I'm here to sell life and I'm a life insurance and you're saying my back hurts Dino. Good chiropractor and I'm like, no, but t needs some long term care. What sucks
How to get your ideal client's attention
"To capture your ideal clients attention, whether it's online on your website on social media, or if you're at a business of dent and you're meeting people, who are your potential clients, you want to use language that is their language. You want to describe. The things you help people do because most entrepreneurs you either help. Someone solve a giant boulder of a problem, right? That's blocking them hats, the rest of their life, right? Or you help them chief this giant dream. That feels like it's as far away as Mars. So when I ask people to get clear on their ideal client, it's really getting down to it's even more than a niche. You've got a target market, you think of his beach fall right now, then you think of a niche market? Well, that's a medicine ball, like a workout, all of its smaller, and that's that's a good start. But I like to say, go further drill down to the diamond in the centre, your perfect ideal client and get to know them better than they know themselves get to know them. Like, you know, your family journal. I recommend journal some people like to write your computer, asked yourself everything about them. Sure. You saw problems for him, that's that's just the beginning. Why do they want to solve the problems? What are their emotional drew. Drivers? What gets them up in the morning? You start with what are they wake up at two AM going God. If I don't fix, you know, ABC problem a my life and my businesses over, right, we'll hold on to help clarify for second because I think you crossed over into a separate area and I want to make sure that I haven't lost anybody that's in our community. We started by talking about things like marketing, and then we started to develop a maybe an idea that might be sales or or there's definitely difference between sales and marketing. So how is it that we can teach ourselves? We have to understand what our market wants, but we also have understand how to present it to our market so that when they come to us as result of our great marketing that we're about to go into, we don't feel like we are being to sales a, you're too pushy for them because isn't that one of the issues that many people have factly feeling. They don't want to throw in horn. They don't wanna feel overly self promotional, but the way around that is to think about marketing number one, you're being of service when you're telling potential clients how you help. Others just like them. You talk about the outcomes. You shove very brief stories about how you help people just like them solve problems just like they have. It's interesting because it's almost like you're educating the people that are coming to you as to the things that you've done that have been good in the past with other clients and all your basically doing sharing the other client story about how you were able to solve their problem thinking. Maybe there's some crossover if you've done it. Right. And your only marketing to a specific niche market, they probably have very similar problems. They probably have the same questions at many. Your other clients have an all you're really doing is solving the problem through sharing the story of how you solve the problem for somebody else.
Plan your financial future, with total confidence. The Hardworking Womanâ€™s Guide to Money provides all the information you need
"Is strict on bonner i am the other half of the nice guys on business and today i'm taking over the interview duties for mr doug sandler because we have got a very very special guest some people would positively call her a doubting thomas because her strict protection of women's purchasing power rights you know she's an avid biker runner swimmer and she's absolutely someone who wanted her side when it comes to protecting your financial future k t thomas is our guest today she's financial planner for twenty five years of experience cheese also the author of hard working woman's guide to money hand podcast her as host of kt's money matters i don't know how she does all she is smart sassy and crate at debunk myths that will able her clients to save thousands of dollars a year k t welcome to the nice guys on business hicklin thanks for having me you are so welcome so we have been producing your podcast for couple of months now and it is so much fun and it is so much great information and that's what i really love about it is that it's really not just about saving money for women but just great financial information all the way around that is katie's money matters but we wanna talk a little bit about your book hard working woman's guide to money so what is it that was the catalyst to make you wanna raise centigrade question i've actually always wanted to write consumer finance books i feel like there's such a void there either really talking down to you or it's full of jargon that people can't really understand and so it's been sort of like my pet peeve that money books just don't seem to actually talk to people and so what i sat down and said you know what kind of money book do i wanna right i obviously being a woman i thought wouldn't it be great write a book for women there's lots of reasons why women need to be a little bit more careful about the decisions they make because they have a little less room for mistakes i love i love your book it's kind of a mix of storytelling so you told a lot of personal stories on also financial ideas in guidelines and then you also put in quick tips as well so what made you want to mix the quick tips in with kind of the bigger picture idea well i really wanted the book to feel like you know what if you were sitting on the couch for your best friend who knew you and knew everything about money and then helped you think about it and so the storytelling is a way to bring those ideas home to resonate with women you know how do you think about setting guidelines and whether or not you're going to lend money to family members whether or not you're going to take advantage of your benefits or would you change a job for better benefits for all of those pieces but then i also wanted something that was a resource guide oh well maybe i'm not gonna buy a house right now but when i go to buy a house seizes things you need to know when i go to apply for mortgage this is the thing you need to know when i changed jobs these the kind of benefits i want to look for this is what i wanna make sure might not be right now but i wanted that book to have sort of a life beyond just a storytelling that became a resource book for number of financial topics that might become an along such a great idea and kate to you know you have been a finnish planner for twenty five years what i wanna things i love about the book is it doesn't just talk about the big picture stuff like stocks and bonds and investing as you just mentioned you talk about lending money to families right like inside the family it can be really uncomfortable and very personal and i think that's one of the little things that people don't talk about that often in book so you really personalize it which i love and singer personalizing have to ask about the red hand yes so i put a big red handbag with v dollar bills on my cover and it represents a couple of things i it represents just how easy it is for money to come out of your bag because life is expensive and we all know that anybody living in america knows how easy it is for money to just go by and then the red handbag represents the pay equity for women against their counterparts in the working society that might be men and so we know today that women are today making about eighty three percent of what men making the same jobs throughout america and i tell a story in the book about how it used to be seventy percent you know i can remember when i think it was nineteen talk about it in the book was it was early nineteen ninety s at gone to dc with the business and professional women's association and it was an election year it was ill clinton versus bob dole and so bob dole comes in first and the woman who's running the interview handsome red bag and he says well this is terrific elizabeth a love this and then bill clinton comes in and she hands him the red bag and he says says let's turn this purse black so the red handbag represents the deficit of what women make compared to men i love it what a great metaphor for that and i love to hear also that the gap is closing obviously we still have work to do but i'm very glad to hear that you know i know you love doing the extra research i had no idea with with numbers were but it sounds like it's getting better since the nineties but we've still got room to improve and it you know it's funny because right now in college there are more girls in college than boys interesting are we starting to see what looks like a multiyear flip where alternately that might go the other way i don't know i mean i think women are still bearing the children i'm in no surprise to anybody and that means that they'll be years out of the workforce or at least months out of the workforce and people's priorities change you know i think that you know when i was growing up i had went to work my mother stayed home and took care of the four of us and then when last one went to school my mom started working parttime but really if anything needed to be done if anything went wrong my mother was on duty and i think as a result of course my mother made a lot less money than my dad over her lifetime and the reality is now what we know because all you have to do is look around day early bird special the women are all still alive and the men are all got so what's happened is women are left with a much longer life expectancy about seven years right now and significantly less income because they didn't have that time to work and i think that you know women coming long today understand that that's the truth it's not like you're gonna decide never to have children just so you can make as much money but you need to be cognizant of that impact on your finances and decide how you're going to address it is a very interesting perspective in one of the things i'm sure most people do not even think about that women are going to be living longer than men and it's gonna make it that much harder without that income if there is the income deficit still in kitschy i also love you know your books called the hardworking skycam money but there's so much in here that is good for men as well i don't want all of our male listeners to just tune out like this isn't for me but there's just crate overall advice for pretty much everybody i mean there are definitely certain things that are specific to women but there's a lot of great stuff for everybody i also if you don't mind to a little bit personal i know in two thousand eight you suffer a stroke and how did that change the way you thought about what you do with your time and your money because again to get a little more personal i know for million personally that you are an avid runner avid biker didn't you do was it an iron man and i'm actually doing another one this summer so i am a committed a weekend warrior if you will more than a weekend warrior i guess i'm a committed amateur athlete get to can you tell us a little bit about that because i got to tell you the things that i have heard that you do yeah yeah i couldn't even imagine and you know it's it's just amazing when i think about people that do you know iron manson try an iron man it it's an enormous commitment of time and energy you have to really want to do it but i am a bit runner most of my life not you know not a band tastic runner not leauge it runner just a runner and people would say to me she's you know you run a lot and i'm like yeah it's like running away you know i put on my ipod or that's not anymore but now by put on my my music whatever it was it used to be like that radio with a little tuning on the side and i run away and it's like i leave my life and all my responsibilities behind it i go for a rut and that's really how i became a runner was his idea of just a little bit of time just for me and then i got older and i started you know breaking myself a little bit with running anybody that's ever been a lifetime brunner knows that lifetime running brings a long running injuries i've done seven boston marathons i'm sorry eight boston marathon seven of them in a row and so i'm a committed runner and then you know once i got to be about forty my body start saying to me really couldn't do anything else and i bought a road bike mostly because i was suffering from a running injury and couldn't run and then i got sucked into this group that was training for a triathlon as they say the rest is history and i transitioned over to triathlon mostly because i train as hard as i wanted because you are always doing something different it wasn't like that overused running injury that kept coming back because it was running all the time so an iron man just for you know for dreaming purposes is a two point four mile swim a hundred and twelve mile bike ride and a full marathon so twenty six point two miles and my girlfriend kiki said to me when i told her i was doing this she goes it's not like you have to do it all in one day right and i go actually that actually is the point that you brought back to back that you do it all in one day and you complete one hundred and forty miles plus and quite an accomplishment so it's an amazing thing to train for i really liked to do things that are compelling and difficult and have a lot of moving parts and you have to figure it out that's what a plays to my dna that's kinda like what i like a puzzle solver and so this is like one more way for me to do that at my personal life and so going back to your question you know in two thousand and eight i dissect it an artery in my neck during a half ironman swim and i didn't actually know that and i came out of the water and i didn't feel quite right and i remember reading in a book this is my first half ironman that sometimes you get a little unsteady on your feet coming out of the water because of the whole buoyancy thing in the wetsuit so i basically decide it must be that and i jump on my bike and i ride away and about fifteen miles into the ride is the heat in the hills and the whole thing you know the effort of the race comes along i have what i can only say is like a wave of pain that comes over my head that's you know like they say the worst pain of your life and i remember thinking my bike shook a little bit and then it straightened out and i'm like trying to triage myself you know heatstroke migraine holy crap what was that like that and then i just started better drink more said i start riding and i start trying to sip a little fluid and he writing i think i'm doing okay but later when i saw the results the reality is i had been slowing down on the bike i didn't even know 'cause i wasn't really become after you damage brain you don't give it enough oxygen what happens is you become less and less able to see what's really going on your perception of what's happening little hazy and so i can remember coming down the side of this mountain and passing people on my bike so must been going like incredibly fast saying oh good picking off a few of these people like picket fences this is good at making up some time now i'm actually pretty conservative on the bike i think lift ride another day that's not you know picking them off going downhill is not really something i think about but i get back to the transitionary and i feel awful so i take three advil and a goo which is just like racing food and i put my sneakers on and i ran away and it's now it's hot not it's eighty something degrees didn't new hampshire it's in the summer and i start the the death march of the thirteen point one miles which really by the way lots of people are walking and running the people don't look great it's late tot people are tired and i remember running along thinking i should quit i had never felt that that in my life and i said i looked around and they all looked terrible to me and i said suck it up kt nobody's having a good day today just keep going and so seven miles into the run i actually collapsed my legs finally figured out my brain didn't know what it was doing and it better just take me out or i was going to you know literally kill myself and i had suffered three strokes one that day on the race course and then they say to shortly after that i believe actually had them in the hospital where i had my first like real epiphany about life which is you could die and people would be sad but they would move on all except for like you know you and i had been kinda burning the candle at both ends in every area of my life because that's sort of my dna anyway and not not allowing time for me in that big caregiver thing where you're taking care of everybody else and you think you have all of this expansion of of energy that you can do and then what i realized is i somewhere in there i was actually not getting what i needed and my hadn't even stopped thinking about that till i was laying in the hospital ruben what i realized is things needed to change and so change they did right away and that is part of the drive of the book is the idea of you know choosing what you want and not not worrying about what you didn't really want anyway so financially people do this to themselves all the time they need to make more and more money because they need more and more stuff that they perceive they actually need one or someone else has it and they think they should have it where they should be doing this in it's like a gerbil thing and so i decided right away that if i were going to first of all if i was going to stay in business that it needed to change right away because i was really like the everything to everyone for three hundred eighty families in a very small practice by myself with a couple of staff people and it was you know is unsustainable so i you know i hired some people and i brought in another adviser and i grew a couple more and i spent more of my revenue taking care of hiring the right people to buy myself time and that's how i think about it i think about every time that i bring somebody into the firm to help me do some piece of the firm i think about it as i am buying freedom with that money i'm using it to get work done by somebody else other than me so that i can you know stay married have a good life run by consume to my heart's content and actually sleep at nine it's pretty well you know we do fall into this hey this is my goal this is my target because sometimes it's what we've always been told it's what society tells us or because it's what we've always told ourselves and kitschy you're right sometimes we don't stop to think wait a minute is this really what i wanted it says tells like you know you had a successful business and you were growing it and it was making a lot of money but you didn't realize that just growth wasn't what you want it you wanted growth with your freedom to be able to let somebody else take over the rain sometimes so it wasn't all about you right i mean i think that if you're you know the the quote the hardworking woman but if you're a hardworking person and there's you know there are certain types that are just if there's not a job off i'll find something i can work you know i'm kind of like that kind of person and we really can work ourselves to death and so i always say like the biggest raw deal is dying at the desk you know you work your whole life you save your money you do this you do that you pay your mortgage do all these things and get into first year of retirement or you maybe don't even get into retirement and then you're gone so nobody knows the day or the time and so one of the things i've just decided is that you know dying with the biggest balancesheet is not winning because actually you're still dead and and and money is a means to the end it's not the end and so i always say to people money's valuable as you use it to get what you need and want and take care of the people that you care about period that's all it is what does the ancient chinese saying that was young man young men do everything they can to attain wealth old men spend all of their wealth to try to buy back their health that's right and you can't you can't do it yeah so one of the things that talks about a lot he's been doing meditation for many years and i do yoga every morning and i really trying to get into meditation just haven't been able to it sounds like at with you that your running and you're ironman training it's it's probably i'm guessing a form of meditation for you or you can kind of go to another place right you hit the girl that i swam with today we'll tell you that sometimes i'm just like swimming along and i'm like thinking about rolling something around in my mind or i'm just letting myself be where i am right at that moment and it's very very it clearing right it takes kind of all the noise way i have to believe it helps you physically and mentally i mean it probably not against us all the time that it helps him with the day to day it's not just the for him the ten minutes about tation or for you the time that you're actually out there running i'm sure that during the day in your regular day today it can help train and calm your mind as our absolutely love love that one of the things that you talk about in the book small steps can empower you to put yourself in a better position financially i find this a so true not just financially but with life as well it's just every little thing that you do a little bit different can make a huge difference how do you see it what are what are some of the small steps that you feel are really important to help financially big pitch you know so i think that people make financial decisions the brain works in such a way that you make each to eat each decision independently and you don't really like stack them so if i make this decision than that means i should change this people don't think like that they think one decision at a time and so what i try to say is you want to slow down a little bit and allow yourself because really what it is it's five seconds or it's two minutes it's it's just allowing yourself enough time to reflect on it before he pulled the trigger so like as an example there's a reason why they have president's day day weekend to sell cars not by the way because the cars are cheaper okay because they've convinced people's at this is when you should buy a car and they've convinced the sales people that if you don't fight right then you're never going to buy it and so the sales people are pushing you to make a decision right now about a car you may or may not actually want and you might get so caught up in the process to buy something you don't want and if you think that that's crazy i could tell you how much buyer's remorse there is number one buyer's remorse item is cars how sure six months later they're paying for it and they've lost all the reasons why they thought they were going to buy it and they settle in and they keep it because you know you getting rid of it is not really a good process right is basically you're gonna get host on the price you keep the car anyway but the amount of regret in the purchase of an automobile it's like okay slowdown how do you do that will i is you know if you decide that you're actually not buying that day and you know like especially if you you and your spouse or when you guys basically commit went not by today no matter what the other thing you can do is go looking at cars without the car you're planning on trading in because then they actually can't complete the sale until you bring your car in they look at it right it's really passive it's not really you know it's not an aggressive thing you're not going in there saying no way forget it i'm not doing this with you what you're really doing is you're making it impossible for them to close the sale that day and that's okay you're going to go in and drive a couple of cars you're gonna find out a little bit about what those cars cost then you said you know can i come back and talk to you about my trade and it breaks the sale into two days that's all you really wanna do is just give yourself a little bit of time overnight twenty four hours make sure that that's actually what you really want to and you can literally save thousands of dollars in fact you know there's there's this great little mathematical calculation about if you buy a car every three years versus if you buy a car every four years you save about ten thousand dollars over the course of a decade ev for the people who buy a car every four years for every three years wow okay so if you're going to work for thirty years that's thirty thousand dollars it's not a little bit of money it's the next car right right the next car that's an exactly i love that advice you know you're you're in it is in a very passive way but you're making it impossible for them to close the deal and that changes their attitude which is a good thing because none of us want the high pressure sales of car salesman you know and so that it takes that edged off like they're probably gonna back off a little bit because they know you don't have the car that you're trying to tame hey when you don't have it you can complete the deal i love that soc marts okay t tell us about kt's moneymatters podcast you have been doing it for quite a few months now you've had some amazing guests i'm very curious how you're liking it and what you feel like what what are you getting out of it so i am enjoying podcasting you know i had spent some time doing live colin talk radio in boston for few years and i had really enjoyed that because it was just you know people call up and ask you these outrageous questions and it would be like stumped the adviser and you'd be on the radio honey answering i actually really enjoyed that but the you know today people don't listen to that kind of radio at least not new england so podcasting is like you know it's the circa two thousand eighteen version of talk radio where people get to pick only what they want to listen to and listen to it whenever they want however they want it's lovely like lovely so i went right at it i thought i would love this i would love to do a money show so although i have these great guests may talk about these variety of things i always try to take it back to you know why do you care you know we tend to have a lot of guests who have started their own business i find that a lot of people are very curious about what they would need to do to start their own business you know i've had bankers on talking about what you need to know about mortgages or banking products or things like that but just basically the idea that you get you know bite size financial education so you know drive time financial information where you can learn one thing and then you know go back to your life club that a love and yvette definitely some really really interesting guests on so who is your who's your favorite cast you've had on the podcast far who that's a really good question i would say it was lou diamond i found him to be just a great guest just fun and interesting and diamonds got another podcast also called thrive loud which turn key podcast produces in we lose a great guy we've known lou actually for a year now and he is just kind of amazing and fun and german so kitty has doing the podcast has it changed your outlook on your you know call your day job i mean your business new day solutions right you talk a little bit about that and let me know has has doing the podcast change that at all now i mean you know i have a new day solutions is a really nice business we've been in business a long time most of the people that work for me them with me a long time where highly you know highly accredited we've got i just won the forbes investor by adviser by state award where i'm the only woman in new hampshire on the list so congratulations thank you and so we've we've really enjoyed a really fabulous career as a financial advisory firm and we're family firm so it's not like people wonder you know i think that people work with financial nationals all the time and they're actually not really sure how people get paid or how people are incented and so one of the things that i like is that it's very transparent and that it allows people to to know exactly how they pay me how they work with us what it is that we're trying to do for them and to be on this you know i always say on the same side of the table with my clients which is the most important face the podcast has in the book also is an idea of getting financial information to people beyond my clients have very nice clients the very nice practice it it grows every year new people come we have a nice team of people that work together i'm not running it all by myself anymore thank god and but i know that i have financial information that i would like others to get you know i would like to have a bigger megaphone i'd like to have more people be able to learn a little bit about money so you know i admit i do these things on the podcasts like you know talking about oh i don't know i did a show on lake should you put regular gas or or premium gas in your car and y you know premium gas is kind of a way fee to spend more money to get the exact same thing and what that might mean and you know these little son kind of tippy ideas about money just being a slightly better consumer can help you say you know hundreds hundreds of dollars a year actually without tried just knowing and so i like that the idea breaking it down and make it making it empowering that idea of a small idea that they can they can run with that just makes all of these things make these small changes in they all move you forward no i love that in and it's the kind of advice that i'm sure a new day that you know you don't really get out because you are looking at more big picture big investments not the little every day day to day things and the other thing that you know i don't know how many of our listeners are aware but as far as how you as an adviser get paid the encourage me if i'm wrong on this you know this much better than i do there are a lot of funds out there that are created by maybe the company that the financial advisor works for so if they sell you that fund then they get a kickback sometimes right right i mean it you know there are really two kinds of ways that financial advisor can be compensated they can be receiving commissions based on products that they sell you they could be receiving fees based on work that they do for you or many are actually getting paid for bells and so part of what is hard is when you work with an adviser that gets both commissions and fees is understanding when it is working for you when it is they're selling you something and it doesn't make them all bad because frankly the majority of our industry is in this hybrid commission fee platform but it's exactly what people dislike about the financial industry is that you don't really get how they get paid and you know and when you don't understand how somebody's paid you you actually can't understand when you're also paying more or when their advice is actually more for their benefit then for yours right because of course they're supposed to be advising you to to do better for you but if they're pushing their own product it could be because they want a higher commission on it right you know and also you know the type of product so you know the the reality is i always say to my clients you know if i'm recommending a product that generates the highest compensation to me you and i should be asking why this product right a credit add advisers and there was a fiduciary role the came in on the end of the obama administration that got set aside that was about the idea that advisors had to have a fiduciary responsibility to clients which they don't they're like i don't wanna say they're like car sales men but they have the same legal responsibility to you as car salesman because they actually worked for the dealership and the only people that are not it doesn't right it doesn't mean i can't buy great outy from the audi dealer and the salesman that works there just means i gotta know that he's not really getting paid for me getting paid from audi and he's got a home matrix for how he gets paid that i'm never gonna understand it's just you know let's not get into politics i think doug and i do enough of that on tuesday and thursday kt thank you so much for coming on anything that you want to any last bit of advice you wanna to give us before we wrap it up yeah i'd love you to pass on like if you have a i always think about my book is like the perfect kind of cutting eight coming of age book for women so here's what i'll say you have a young college grad you have a young high school grad you have a daughter a sister a wife a friend that you think some basic financial education in a really nonthreatening way please share with them contact information about getting my book the hard working woman's guide for money which is available on amazon and and or come listened to katie's money matters podcast free and available produces once a week to provide like dripping financial financial education on people get you could not have said it better myself against katie's moneymatters confined on i tunes or stitcher radio or overcast google play wherever you get your podcast a hard working woman's guide to money it really is such a great book and don't worry it's not gonna talk over your head it's got some great big picture things it's got some great money little tips hand as well podcast but her it really as host is written of for kt's the everyday money matters i woman don't know or how she everyday does guy all that she has is smart women sassy in and their crate life at debunk myths a daughter that will a able wife her clients a friend to save that they thousands want to help of dollars out it a year really k is a great t buying all welcome the links are going to to the be nice in the show guys notes on business of course hicklin for thanks all for having of that me stuff with podcast you for new day are solutions so as welcome well so as we have been for producing the buck your podcast funk for in couple fans of months now thank and you it so is so much for much listening fun kitty and it thank is so you much great for taking the information time with us today and that's what i strickland really thanks for having love me about thanks it everybody is that stephen it's really brian not go just ahead and take about us out saving of money for women but just great for financial the nice guys information on business all i'm the steve way around o'brien that is katie's fill money up matters your but week we with wanna talk the nice a little guys bit about your book hard working woman's five guide episodes to of week money isn't so that what like some kind is of it a that war was the catalyst crime to burnishes make you waterboard wanna raise centigrade these poor question people
Save thousands by debunking money myths
"Money hand podcast her as host of kt's money matters i don't know how she does all she is smart sassy and crate at debunk myths that will able her clients to save thousands of dollars a year k t welcome to the nice guys on business hicklin thanks for having me you are so welcome so we have been producing your podcast for couple of months now and it is so much fun and it is so much great information and that's what i really love about it is that it's really not just about saving money for women but just great financial information all the way around that is katie's money matters but we wanna talk a little bit about your book hard working woman's guide to money so what is it that was the catalyst to make you wanna raise centigrade question i've actually always wanted to write consumer finance books i feel like there's such a void there either really talking down to you or it's full of jargon that people can't really understand and so it's been sort of like my pet peeve that money books just don't seem to actually talk to people and so what i sat down and said you know what kind of money book do i wanna right i obviously being a woman i thought wouldn't it be great write a book for women there's lots of reasons why women need to be a little bit more careful about the decisions they make because they have a little less room for mistakes i love i love your book it's kind of a mix of storytelling so you told a lot of personal stories on also financial ideas in guidelines and then you also put in quick tips as well so what made you want to mix the quick tips in with kind of the bigger picture idea well i really wanted the book to feel like you know what if you were sitting on the couch for your best friend who knew you and knew everything about money and then helped you think about it and so the storytelling is a way to bring those ideas home to resonate with women you know how do you think about setting guidelines and whether or not you're going to lend money to family members whether or not you're going to take advantage of your benefits or would you change a job for better benefits for all of those pieces but then i also wanted something that was a resource guide oh well maybe i'm not gonna buy a house right now but when i go to buy a house seizes things you need to know when i go to apply for mortgage this is the thing you need to know when i changed jobs these the kind of benefits i want to look for this is what i wanna make sure might not be right now but i wanted that book to have sort of a life beyond just a storytelling that became a resource book for number of financial topics that might become an along such a great idea and kate to you know you have been a finnish planner for twenty five years what i wanna things i love about the book is it doesn't just talk about the big picture stuff like stocks and bonds and investing as you just mentioned you talk about lending money to families right like inside the family it can be really uncomfortable and very personal and i think that's one of the little things that people don't talk about that often in book so you really personalize it which i
Plan your financial future, with total confidence. The Hardworking Womanâ€™s Guide to Money provides all the information you need
"Money hand podcast her as host of kt's money matters i don't know how she does all she is smart sassy and crate at debunk myths that will able her clients to save thousands of dollars a year k t welcome to the nice guys on business hicklin thanks for having me you are so welcome so we have been producing your podcast for couple of months now and it is so much fun and it is so much great information and that's what i really love about it is that it's really not just about saving money for women but just great financial information all the way around that is katie's money matters but we wanna talk a little bit about your book hard working woman's guide to money so what is it that was the catalyst to make you wanna raise centigrade question i've actually always wanted to write consumer finance books i feel like there's such a void there either really talking down to you or it's full of jargon that people can't really understand and so it's been sort of like my pet peeve that money books just don't seem to actually talk to people and so what i sat down and said you know what kind of money book do i wanna right i obviously being a woman i thought wouldn't it be great write a book for women there's lots of reasons why women need to be a little bit more careful about the decisions they make because they have a little less room for mistakes i love i love your book it's kind of a mix of storytelling so you told a lot of personal stories on also financial ideas in guidelines and then you also put in quick tips as well so what made you want to mix the quick tips in with kind of the bigger picture idea well i really wanted the book to feel like you know what if you were sitting on the couch for your best friend who knew you and knew everything about money and then helped you think about it and so the storytelling is a way to bring those ideas home to resonate with women you know how do you think about setting guidelines and whether or not you're going to lend money to family members whether or not you're going to take advantage of your benefits or would you change a job for better benefits for all of those pieces but then i also wanted something that was a resource guide oh well maybe i'm not gonna buy a house right now but when i go to buy a house seizes things you need to know when i go to apply for mortgage this is the thing you need to know when i changed jobs these the kind of benefits i want to look for this is what i wanna make sure might not be right now but i wanted that book to have sort of a life beyond just a storytelling that became a resource book for number of financial topics that might become an along such a great idea and kate to you know you have been a finnish planner for twenty five years what i wanna things i love about the book is it doesn't just talk about the big picture stuff like stocks and bonds and investing as you just mentioned you talk about lending money to families right like inside the family it can be really uncomfortable and very personal and i think that's one of the little things that people don't talk about that often in book so you really personalize it which i love and singer personalizing have to ask about the red hand yes so i put a big red handbag with v dollar bills on my cover and it represents a couple of things i it represents just how easy it is for money to come out of your bag because life is expensive and we all know that anybody living in america knows how easy it is for money to just go by and then the red handbag represents the pay equity for women against their counterparts in the working society that might be