#333: Overcoming Bankruptcy: How Faith Fuels Financial Freedom with Dr. Darnyelle J. Harmon

Watch & Subscribe on YouTubeAre you blindly trusting your 401k to secure your financial future? You might be making a costly mistake.In this eye-opening episode of Wealthy Wellthy podcast, we dive deep into her wealth of experience in personal finance and investing, and offers a fresh perspective on building long-term wealth beyond traditional corporate retirement accounts.The main focus of this episode is debunking the myth that maxing out your 401k is the best path to a comfortable retirement. Krisstina explains why "matching, not maxing" your 401k contributions and diversifying your investments can lead to greater financial freedom. Krisstina emphasizes the importance of having control over your money and being an active, knowledgeable investor to maximize returns.Throughout the conversation, we dive into topics such as the limitations of government-controlled retirement accounts, the benefits of real estate investing, and the crucial difference between financial security and financial freedom. They also touch on the value of financial literacy and the need to calculate your specific retirement needs.Ready to take control of your financial future and explore investment strategies beyond your 401k? Listen to this episode of Wealthy Wellthy for actionable insights that could transform your approach to retirement planning and wealth building.Key Takeaways5:05 History of pensions and retirement plans10:52 Limitations and drawbacks of 401k plans16:46 Risks of relying solely on 401ks22:17 Match don't max: 401k investment strategy28:42 Options for investing outside 401ks34:24 Comparing different investment vehicles 40:48 Strategies for building wealth long-termMemorable Quotes"Retirement plans are based on a history that's not applicable today. We want to live to 100, maybe more. But these plans are not set up to live to 100, which means if we just rely on traditional retirement plans, it's very likely that we'll run out of money.""Match, don't max because you just want to take advantage of what the company is matching. But we don't want to max out everything that we can put into these types of programs.""To really build wealth and to build it powerfully, you might say, 'Hey, there's my neighbor. The estate wants to dump this property really fast. I can get a great deal on this house.' But wait, I can't touch that retirement income to take advantage of this opportunity."Resources Mentioned Vanguard (for index funds) - https://investor.vanguard.com/Connect with KrisstinaWebsite - https://wealthywellthy.life/Instagram - https://www.instagram.com/krisstinawiseYouTube - https://www.youtube.com/@krisstinawiseKrisstina's Book, Falling For Money - https://www.amazon.com/dp/0692560904/ 🎙️🎙️🎙️Podcast Production & Marketing by FullCast

Watch & Subscribe on YouTubeAre you struggling to break free from your past and achieve financial success? Dr. Darnyelle J. Harmon's journey from the projects to becoming a multi-millionaire will inspire you to rewrite your own story.In this episode of Wealthy Wellthy podcast, Krisstina Wise sits down with Dr. Darnyelle J. Harmon, CEO of Incredible One Enterprises and creator of the Move to Millions method. Dr. Harmon shares her powerful story of overcoming adversity, from being born to drug-addicted parents to becoming a successful entrepreneur and wealth-building expert.The main focus of this conversation is on the importance of mindset in achieving financial success. Dr. Harmon emphasizes that true wealth comes from aligning your subconscious beliefs with your conscious goals, and she provides insights on how to challenge limiting beliefs and break negative patterns.Throughout the episode, Krisstina and Dr. Harmon discuss topics such as the role of faith in business, the power of goal-setting, and the importance of investing in personal development. They also touch on the challenges of entrepreneurship and how to maintain confidence in the face of criticism.If you're ready to transform your relationship with money and unlock your potential for wealth, this episode is a must-listen. Tune in to hear Dr. Darnyelle J. Harmon's inspiring story and gain valuable insights on how to move to millions.Key Takeaways5:05 From bankruptcy to millionaire in one year10:39 The importance of mindset in achieving success16:35 Mary Kay journey and earning the pink Cadillac22:12 Keys to rapid success in Mary Kay30:38 Alignment and embodiment over effort for success35:06 Challenging beliefs and breaking limiting patterns39:25 Dealing with criticism and maintaining confidenceMemorable Quotes"Until you work on the six inches in between your ears, you will not feel seven figures between your fingers.""All success, including success financially, is realized through alignment. It is not realized through effort.""Greatness is attacked, it's harassed, it's misunderstood and it is often the source of antagonistic behavior."Resources MentionedMary Kay Cosmetics - https://www.marykay.com/Move to Millions Gifts -  https://movetomillionsgifts.comConnect with KrisstinaWebsite - https://wealthywellthy.life/Instagram - https://www.instagram.com/krisstinawiseYouTube - https://www.youtube.com/@krisstinawiseKrisstina's Book, Falling For Money - https://www.amazon.com/dp/0692560904/ 🎙️🎙️🎙️Podcast Production & Marketing by FullCast

Watch & Subscribe on YouTubeAre you struggling to build wealth despite earning a good income? In this episode of Wealthy Wellthy podcast, we dive deep into the often misunderstood world of money mindset and financial literacy. We explore the three-legged stool of money: mindset, relationship, and literacy. I share my personal journey from financial struggles to building wealth, and how these experiences shaped my approach to moneyThe main focus of this episode is debunking common money myths and introducing the three-legged stool of money: mindset, relationship, and literacy. Krisstina emphasizes that financial freedom isn't just about earning more, but about understanding and managing money effectively.Additional topics covered include overcoming money trauma, the importance of couple alignment in finances, and practical strategies for building generational wealth. Krisstina also discusses the balance between health, relationships, and money in creating a fulfilling life.Ready to transform your relationship with money and achieve true financial freedom? Listen to this episode for actionable insights and a fresh perspective on wealth-building that goes beyond just making more money.WW Live Event Website - https://krisstina.com/liveKey Takeaways5:55 Three pillars of the money stool explained18:25 Freedom is the ultimate goal, not money25:55 Three master categories of money: earn, spend, invest41:35 Balancing family, business, and wealth building50:20 Money journey has ups and downs, not linearMemorable Quotes"More money doesn't solve the problems. More money can even create more problems. But more money, when we're good stewards and we understand it, actually makes life easier.""Money is a journey and it's a lifelong journey. When we get real clear that we don't want to be in these situations, the balancing came from gaining more time over our life the more assets that we have.""Money is to underwrite a good life. When we're in control of our money, when we're in harmony with our money, then we don't have to sacrifice our health for wealth."Resources MentionedThe Psychology of Money by Morgan Housel - https://www.amazon.com/Psychology-Money-Timeless-lessons-happiness/dp/0857197681The Greatest Salesman in the World by Og Mandino - https://www.amazon.com/Greatest-Salesman-World-Og-Mandino/dp/055327757XConnect with KrisstinaWebsite - https://wealthywellthy.life/Instagram - https://www.instagram.com/krisstinawiseYouTube - https://www.youtube.com/@krisstinawiseKrisstina's Book, Falling For Money - https://www.amazon.com/dp/0692560904/ 🎙️🎙️🎙️Podcast Production & Marketing by FullCast

Watch & Subscribe on YouTubeAre you struggling to raise financially savvy kids in a world of instant gratification and digital distractions?Scott Donnell, a renowned expert in family legacy and financial literacy, joins the Wealthy Wellthy podcast to share his insights on combating the four major forces threatening modern families. As the founder of Fig and Eagle, Scott has helped millions of families build stronger connections and instill crucial life skills in their children.In this eye-opening episode, Scott reveals the strategies used by the world's most successful families to create lasting legacies. He discusses the importance of delayed gratification, building courage in children, and fostering a healthy relationship with money. Scott also emphasizes the critical role of storytelling in passing down family values and creating a strong sense of identity.Listeners will gain practical advice on implementing family meetings, teaching money skills, and navigating the challenges of parenting in the age of AI. Scott also touches on the concept of "heritage, not inheritance" and explains why it's never too late to start building a strong family legacy.Ready to transform your family's relationship with money and create a lasting legacy? Tune in to this episode of Wealthy Wellthy podcast with Krisstina Wise and discover the secrets to raising resilient, financially savvy children in today's rapidly changing world.Key Takeaways6:41 The importance of family legacy18:46 Dopamine distortion and screen addiction26:36 Instant gratification and its effects46:21 AI revolution and information overload1:04:33 Doing more with kids, not for themMemorable Quotes"Delay gratification is one of the greatest things you could ever have for a strong marriage, a strong family, and lasting relationships.""Money is the trauma that you actually wake up and work for the rest of your life. Every other trauma you're trying to heal from or forget, but you gotta wake up and make money.""Money's not good, it's not bad. Money's a tool. It's a store of value. So the more value you can create and solve problems, the more you earn usually."Resources MentionedWW Live Event Website - https://krisstina.com/liveConnect with KrisstinaWebsite - https://wealthywellthy.life/Instagram - https://www.instagram.com/krisstinawiseYouTube - https://www.youtube.com/@krisstinawiseKrisstina's Book, Falling For Money - https://www.amazon.com/dp/0692560904/ 🎙️🎙️🎙️Podcast Production & Marketing by FullCast

Watch & Subscribe on YouTubeAre you struggling to build wealth despite a high income? Discover why your relationship with money might be holding you back.In this episode of Wealthy Wellthy podcast, host Laura Alamery and Liz Klingseisen welcomes Krisstina Wise, a successful real estate investor and money expert, shared her journey from financial struggles to mastering wealth creation.The main focus of this episode is understanding the crucial difference between income and wealth. Krisstina explained how high earners can still find themselves trapped in a month-to-month financial cycle, and reveals the mindset shifts necessary to build true wealth.Throughout the conversation, Krisstina delve into her five categories for mastering money, including developing a positive money mindset and cultivating a healthy relationship with finances. She also touches on the importance of financial literacy and how it relates to successful real estate investing.Ready to transform your financial future? Listen now to gain invaluable insights on breaking free from limiting money beliefs and learn how to leverage real estate investing to create lasting wealth.Key Takeaways5:50 From high income to financial despair11:07 The journey from duplex to portfolio15:25 Five categories for mastering money24:31 Overcoming limiting beliefs about money31:00 Financial IQ quiz to assess literacyMemorable Quotes"I learned that there's something different between income and wealth. People in the income game are in the month-to-month game regardless of how much they're making. Wealth is through assets and building a portfolio and a balance sheet.""Real estate investing is one option. The idea is to ask ourselves: Do I want to master money? Do I want to understand it? Do I want to grow with it?""Most people have a dysfunctional relationship with money. If we want to be in the wealth game and build financial independence, we need a positive money mindset and a relationship where we enjoy spending time with it."Resources MentionedReal Estate Investing Women Podcast - https://realestateinvestingwomen.com/Connect with KrisstinaWebsite - https://wealthywellthy.life/Instagram - https://www.instagram.com/krisstinawiseYouTube - https://www.youtube.com/@krisstinawiseKrisstina's Book, Falling For Money - https://www.amazon.com/dp/0692560904/ 🎙️🎙️🎙️Podcast Production & Marketing by FullCast

Watch & Subscribe on YouTubeEver wonder how to turn your network into your net worth? I've discovered the secret to building lasting relationships that can transform your business and life.In this episode of Wealthy Wellthy, Krisstina welcomes Zvi Band, a successful entrepreneur and founder of Contactually, a CRM company that had a multi-million dollar exit. Zvi shares his journey from software engineer to relationship-building expert, offering invaluable insights on networking in the digital age.The main focus of this conversation is the power of authentic relationships in business and personal success. Zvi emphasizes the importance of moving beyond transactional interactions to build genuine, long-lasting connections that can yield dividends for decades.Additionally, Zvi discusses his experience with selling his company, the unexpected challenges of a successful exit, and his new venture, Relatable. He also touches on the mindset shifts necessary for entrepreneurs to find fulfillment beyond financial success.If you're looking to elevate your networking game and build a network that truly impacts your net worth, this episode is a must-listen. Tune in to discover how to create meaningful relationships that can transform your business and life.Key Takeaways5:44 Relationships matter more in digital age16:37 From Contactually exit to new venture27:17 Shifting from unicorn dreams to meaningful work34:33 Setting personal goalposts, not society's42:04 Building long-term relationships for successMemorable Quotes"Deep down we are still human beings and human beings rely on social connection and social trust in pretty much every aspect. And so therefore relationships, I do believe is one of the most important currencies that we have in the face of everything else.""We were just so focused on growing the business that we never really paid attention to exiting the business.""I think your next venture has the opportunity to be even closer and closer to what who you truly are."Resources MentionedThe Psychology of Money by Morgan Housel - https://www.amazon.com/Psychology-Money-Timeless-lessons-happiness/dp/0857197681Connect with KrisstinaWebsite - https://wealthywellthy.life/Instagram - https://www.instagram.com/krisstinawiseYouTube - https://www.youtube.com/@krisstinawiseKrisstina's Book, Falling For Money - https://www.amazon.com/dp/0692560904/ 🎙️🎙️🎙️Podcast Production & Marketing by FullCast

Watch &amp; Subscribe on YouTubeAre you struggling to balance your financial success with your physical well-being? I've been there, and I know how challenging it can be.In this episode of Wealthy Wellthy, we shared the journey from financial success to a health crisis and back again. As a real estate mogul, millionaire coach, and creator of multimillion-dollar businesses, Krisstina reveals how she discovered the crucial link between health and wealth after nearly losing her life in 2013.We delves into the importance of self-love and prioritizing health as the foundation for true wealth. She explains how our childhood experiences shape our relationship with money and offers insights on overcoming financial fears and misconceptions.The conversation also touches on the need for financial awareness, the value of understanding your "enough" number, and the importance of maintaining healthy habits in both finance and wellness. Krisstina shares her Wise Money Method quiz, designed to help listeners assess their financial IQ and take steps towards financial wellness.Ready to transform your approach to health and wealth? Listen now to gain valuable insights from someone who's mastered both worlds and learn how you can achieve true balance in your life.Upcoming WorkshopMake 2025 the year of you! A goal without a plan is just a wish. Get these resources from Krisstina's planning workshop to stop wishing and start planning in 2025.wisemoneyplanningworkshop.com Key Takeaways2:49 Deathbed discovery: Awareness and balance5:04 Chasing external rewards vs internal gratification10:32 Health and wealth are interconnected16:36 Prioritizing self-care and body appreciation24:10 Financial IQ quiz reveals low average scores26:30 Determining "how much money is enough"Memorable Quotes"I realized full on right there that I was chasing the wrong things. I was chasing external reward versus internal gratification, satisfaction and joy and happiness.""Health and wealth are like the same thing. They actually share the same lineage of narrative - when you say health is wealth, that was the beginning. Health really was wealth.""When we can learn to love ourselves and love and appreciate our bodies, knowing how important our health is, it starts there."Resources MentionedWise Money Method Quiz - https://wisemoneymethod.com/quiz/Falling for Money: How to Have a Lifetime Love Affair with your Finances - https://www.amazon.com/Falling-Money-Lifetime-Affair-Finances/dp/0692560904Connect with KrisstinaWebsite - https://wealthywellthy.life/Instagram - https://www.instagram.com/krisstinawiseYouTube - https://www.youtube.com/@krisstinawiseKrisstina's Book, Falling For Money - https://www.amazon.com/dp/0692560904/ 🎙️🎙️🎙️Podcast Production &amp; Marketing by <a href="https://fullcast.co/" rel="noopener noreferrer"...

Watch &amp; Subscribe on YouTubeAre you struggling to build a successful business while maintaining your health and well-being? Discover how to achieve both financial abundance and personal fulfillment with expert insights from a seasoned entrepreneur.In this episode of the Wealthy Wellthy podcast, Krisstina Wise interviews Vanessa Horn, a successful business owner, sales expert, and advocate for women's financial empowerment. Vanessa shares her journey from growing up in poverty to building a seven-figure business while prioritizing her health and well-being.The main focus of the conversation is on the importance of developing sales skills as a pathway to financial success and personal growth. Vanessa emphasizes that sales is not about being pushy or manipulative, but rather about serving others and solving problems. She introduces her CLASSY framework for effective selling and explains how mastering this skill can lead to greater financial freedom and opportunities.Throughout the episode, Vanessa and Krisstina discuss various topics, including overcoming limiting beliefs about money, the importance of work-life balance, and strategies for sustainable business growth. They also touch on the value of investing in oneself through education and mentorship to achieve long-term financial success.Ready to transform your approach to business, sales, and personal well-being? Listen to this episode for actionable insights and inspiration from Vanessa Horn's remarkable journey to success.Key Takeaways2:42 Vanessa's unusual upbringing and poverty8:59 Achievement as a driver and health challenges15:53 Rebuilding after health crash and mindset shift22:25 The importance of sales skills in business29:40 Framework for effective sales conversations38:07 Sales as an empowering and highly paid skill46:38 Handling objections and qualifying prospects56:17 Money mindset and projections about wealthMemorable Quotes"Sales is finding somebody that has a problem and marketing is saying, 'Hey, is this you? We can help.' Then sales is basically saying, 'Here's how we can help. Here's your challenges. Here's what you need help with. Here's how we can help.'""I'm much more in tune if I can feel myself getting drained. You have to pay attention to where those energy leaks might be and pay attention to that. A lot of times for women it might be a boundary issue.""Money is a game. I kind of see it as, pick your favorite board game. Money is the same way. So many times we tell ourselves we're not good at money, or I can't get good at money."Resources MentionedThink and Grow Rich by Napoleon Hill - https://www.amazon.com/Think-Grow-Rich-Landmark-Bestseller/dp/1585424331Connect with KrisstinaWebsite - https://wealthywellthy.life/Instagram - https://www.instagram.com/krisstinawiseYouTube - https://www.youtube.com/@krisstinawiseKrisstina's Book, Falling For Money - https://www.amazon.com/dp/0692560904/ 🎙️🎙️🎙️Podcast Production &amp; Marketing by FullCast

Watch &amp; Subscribe on YouTubeAre you struggling to find balance between your financial success and personal well-being?In this episode, I opened up about my journey from humble beginnings in a trailer home to becoming a real estate mogul and financial educator. Growing up in a challenging environment with alcoholic parents instilled in me a fierce determination to change my circumstances, which ultimately fueled my entrepreneurial spirit.During our discussion, I emphasized the importance of redefining success and the dangers of constantly chasing external validation. I shared how a life-threatening health crisis in 2013 became a wake-up call, prompting me to radically change my approach to business and life. This experience led to the creation of my brand, Wealthy Wellthy, which focuses on empowering women to achieve both financial success and overall well-being.Lisa, Precious, and I explored the crucial balance between health and wealth, with me stressing that our bodies are our number one asset. I shared practical advice on how to invest in ourselves, both financially and in terms of wellness, to create a truly fulfilling life.We also delved into the concept of "enough" in terms of financial goals, and I provided a simple formula to help determine financial security. I emphasized the importance of routine, accountability, and self-investment in maintaining a healthy work-life balance.If you've ever wondered how to break free from the cycle of constant striving, redefine your relationship with money, or achieve true balance between financial success and personal well-being, then this episode is for you. Key Takeaways5:39 Childhood struggles and entrepreneurial beginnings11:48 Aligning health and wealth after crisis15:28 Teaching women financial power and self-worth19:50 Overcoming challenges as an entrepreneur24:18 Redefining financial prosperity and contentment30:43 Top tools for balancing health and wealthMemorable Quotes"I want a certain quality of life and desire that life and I know how much that is. I'm going to invest in myself to make sure that happens.""Money's not something to chase. Success isn't something that's going to make you happy. It's not going to fulfill you. But to chase life and to really live and enjoy living and build relationships and start with heart.""My body's my number one asset. If I don't take care of my body, everything else breaks apart."Resources MentionedSavvy Ladies - https://www.savvyladies.org/Connect with KrisstinaWebsite - https://wealthywellthy.life/Instagram - https://www.instagram.com/krisstinawiseYouTube - https://www.youtube.com/@krisstinawiseKrisstina's Book, Falling For Money - https://www.amazon.com/dp/0692560904/ 🎙️🎙️🎙️Podcast Production &amp; Marketing by FullCast

Watch &amp; Subscribe on YouTubeAre you tired of feeling trapped in the rat race, constantly chasing more money without ever achieving true financial freedom?In this episode of Wealthy Wellthy, Krisstina Wise sits down with Dave Wolcott, author of "The Holistic Wealth Strategy" and expert in creating legacy wealth. Dave shares his journey from corporate America to becoming a successful investor and entrepreneur, driven by the desire to provide financial security for his growing family.The main focus of the conversation is on shifting from traditional financial advice to a more holistic approach to wealth creation. Dave and Krisstina discuss the importance of understanding how the top 1% build their wealth and why conventional financial planning often falls short.Throughout the episode, they explore topics such as the power of mindset in wealth creation, the importance of financial IQ, and practical strategies for repositioning assets and building passive income. Dave also shares his five-phase framework for creating holistic wealth and offers insights into overcoming common financial obstacles.If you're ready to break free from financial stress and learn how to build lasting wealth, this episode is a must-listen. Tune in to discover actionable steps you can take today to transform your financial future and create the life you truly desire.Key Takeaways5:33 Financial challenges of suddenly having triplets13:18 Comparing traditional retirement to alternative investments24:10 Creating infrastructure around wealth management35:31 The three-dimensional return profile of investments45:41 Breaking down wealth-building into manageable steps51:52 Money is simpler than medicine and the human body1:00:34 Taking a financial IQ quiz for self-assessmentMemorable Quotes"I absolutely knew that the top 1% were not building their wealth as retail investors in the stock market. This launched me on this obsessive journey to figure out how the top 1% are actually building their wealth.""According to almost 90% of advisors, you're better off just using conventional financial planning. But in reality, you're much better off using alternative investments.""We want to create portfolio of tangible assets that are non-correlated to the stock market and have a three-dimensional return profile - sufficient passive income, forced appreciation, and tax benefits."Resources MentionedCash Flow Quadrant by Robert Kiyosaki - https://www.amazon.com/Rich-Dads-CASHFLOW-Quadrant-Financial/dp/1612680054Rich Dad Poor Dad by Robert Kiyosaki - https://www.amazon.com/Rich-Dad-Poor-Teach-Middle/dp/1612680194The Holistic Wealth Strategy by Dave Wolcott - https://www.amazon.com/Holistic-Wealth-Strategy-Roadmap-Financial/dp/B089CS58F1Connect with DaveWebsite - https://pantheoninvest.com/LinkedIn - https://www.linkedin.com/in/dave-wolcott-863306/Facebook - https://www.facebook.com/PantheonInvest/Instagram - <a...