Your Money Your Business - The Podcast with Debbie Colbourn

Join us in this unique episode of Your Money Your Business as we delve into the fascinating world where business, spirituality, and personal alignment intersect.  In today's fast-paced and competitive landscape, many entrepreneurs and professionals are seeking ways to infuse their work with a deeper sense of purpose, meaning, and harmony. Our guest, Miguel Franco, a renowned expert in bio-energetics, business and spirituality, sheds light on the transformative power of aligning these seemingly disparate realms. Prepare to embark on a journey that explores how embracing spirituality can enhance your business practices, cultivate personal alignment, and unlock trapped potential.   Understanding the Essence of Alignment Miguel walks us through the concept of alignment and its significance in both personal and professional realms. And in firing up your passion. Explore how alignment can lead to increased clarity, focus and overall well-being. And be inspired by examples of individuals who have successfully aligned their business endeavours with the principles of spirituality and intuition.   Unleashing the Power of Spirituality in Business Examine the role of spirituality in the corporate world, entrepreneurial ventures and sports. Discover how getting in touch with you, getting into a high flow state with specific exercises can enhance results. We'll also exploring the benefits of incorporating mindfulness, meditation, and self-reflection into business and team culture.   Navigating Challenges on the Path of Alignment Identify common obstacles and roadblocks that individuals face when integrating spirituality and business. And Miguel offers practical tips and strategies that he has used personally to overcome resistance, life changing events and staying committed to alignment, and purpose.   Embracing Purpose-Driven Entrepreneurship Explore the rise of passion-driven businesses and the ripple impact they have on all of us. Discover strategies for maintaining a harmonious relationship between financial goals and inner development.   In this thought-provoking episode, Miguel Franco provides invaluable insights into the integration of business, spirituality, and alignment. Discover how aligning your professional pursuits with your spiritual values can create a more fulfilling and purposeful journey. Whether you're an seasoned entrepreneur, a converted professional, or simply curious about the transformative power of merging business and spirituality, this conversation is sure to leave you inspired and equipped with practical tools to embark on your own path of alignment. Tune in and unlock the potential for spiritual growth and business success like never before. Get The Drive to Win PDF book here  www.highflowceo.com Press play to listen to the full episode References referred to in this episode Connect with Miguel on Instagram @highflowceo  Check out the kart racing team on Instagram @thedrivetowin https://en.wikipedia.org/wiki/Chico_Xavier Resources from Moments for Excellence JOIN our 20 Day Money Breakthrough Challenge and see a immediate improvement in your financial wellness and a decrease in your worry and anxiety in all areas of life Start now Get on the Waitlist to Work Together in The Breakthrough Navigator - Money Edition or Business & Money Edition Let me help you set every day up for success, so you keep taking the Next Step for 90 Days, with the FREE daily intention setter. A new one every day for 90 Days [DC1]   Click here

Everyone dreams of that thing - the vacation, the retreat, that bucket list item your heart is craving. The thing that will make your heart sing, happiness and joy shoot out of you like lightning bolts. Push you out of your comfort zone, and test courage and bravery.  Add to your toolbox, and build skills that you never thought you could do.  And all of this is requires you to make a decision. Ready?   "We can't afford it" and "It's too expensive" are Money Blocks And most people believe that they can't afford it - that it will just be more debt on the credit card, or they can't find the time off. Even high income earners. Even single people. Even families that seem to have it all.   Not a Badass with money, or no quick cash machine on hand Nothing is further from the truth - we can all make it happen Faster and more painless than you think   Thinking Bigger doesn't need You to Get Rich overnight No matter where you are, AND you what you "think" you need to do it, planning that vacation, bringing the bucket list items to fruition is easier that you think. All you need is the right path, and a great guide.  We've got that for you, in our framework, The Experiences Pathway, which you can get simply by downloading it. The link is in the show notes. Press play to listen to the full episode Get The Experiences Pathway Framework here Resources (updated on 1 April 2023): Join my FREE 4 Week Boost Your Money IQ course and see a immediate improvement in your financial anxiety in all areas of life Start now Get on the Waitlist to Work Together in The Breakthrough Navigator - Money Edition or Business & Money Edition

One of my goals this year is to really dive deeper into some unexplored pockets of entrepreneurship, that, well maybe, just might be a bit touchy. As if the topic of money isn't already.  And in this episode we're pulling apart some of the myths, and misconceptions that exist within family members, and even within business partners, when there's financial stress every month, or there is a big disparity in incomes and one person feels like the other isn't pulling their weight.  If you've ever heard the phrase "I think it's time you get a real job". Either it's  been said to you or by you, I know there's some little gems that might change your views. Making Money, Overwhelm and Getting Support A idea in your head can morph into an entire universe of ideas and one of them might just be the one to catch. As Alex Hormozi has said, every business owner has at least ten business ideas that get tried and flop before the one catches.  As a husband, wife, partner, mom, dad, brother or sister - to your family this can feel like absolute insanity. Even to you there is likely a war in your head about it's validity, and your worth.  And we, as small business owners have this need to do stuff that we see others do. Others at different stages. Which, well it mires us in the mud. Stuck The Partner's Persuasion Techniques, or Who is Driving? Perfectionism. Procrastination. Avoidance. Resistance. All are tactics we use in life when we're fearful of what someone might think of us. Of our abilities. We believe that the only way that something is good enough is for it to be 100% complete and perfect. That is a place that doesn't exist in entrepreneurship and your family may not understand that. 'Cause I've found in my years of talking with small business owners, that it's a big excuse. In your small business or side hustle, 85% is good enough. You're a tester, a tweaker, a data scientist. One change at a time. Communicating this to those who are trying to protect you (and themselves) by pointing you back to the 9 to 5, to a real job, to corporate, to the office, is foundational to a strong relationship. Maintaining Healthy Relationships as our Business Grows Your calendar or planner may have every single minute blocked off, so tightly that one would only assume you are single. But you're not. Those hours, while many inspired by those you see benefiting from the thing you're creating, there are others that are mundane, slow, heavy, boring.  And boring is the silent killer of entrepreneur. How can you share with your partner your excitement for the hustle, when today is a slog. They're pushing you to make more money and to sit down and plan a vacation.  Through the lessons and ideas I'm sharing in this episode I've been able to create this business to allow for seasons where my sons and grandsons might need me to step in for a few weeks, or my daughter needs a dog sitter, at the same time as building a profitable and sustainable business that works for me. Other Things from This Episode are: The Life Stages of a Business Avoiding The Copycat Syndrome Finding the Right Stage Mentor, and Side Hustles Press PLAY to listen to the full episode Resources (updated on 1 April 2023): Join my FREE 4 Week Boost Your Money IQ course and see a immediate improvement in your financial anxiety in all areas of life Start now Get on the Waitlist to Work Together in The Breakthrough Navigator - Money Edition or Business & Money Edition

For as long as I can remember both my son and I have been criers, which at first glance is pretty uncommon. But even as a very self-confident woman, more often than not I can feel my emotions welling up inside me. And preventing my eyes from leaking - well, let's just say Mission Almost Impossible.  My son too - he's a bundle of softee inside the hard ass, calloused hands, master carpenter and race car driver & mechanic he is. His four feet or fury son is totally following the trend.  Yet it takes a big business thing to throw me off my game. A weird oxymoron of emotions in one person. Maybe it's the ability to disassociate, see no human effect. Yet I'm human and when it comes to people, I cry.  It's a weird dichotomy. As a professional accountant it was all about numbers. And as a this new evolution speaking right to people on one of the three or four most sensitive topics my heart melts, hurts, feels empathy - all the feels as they say for someone. Breaking Up with a Fear of Money Every thought that pops into your head comes from one of two places. To inspire you - the Idea Bank, or to protect you - The Fear Bank. And guess which one has more in it? Honestly I think they both have about the same, it's just that the slide that the fear ones come in on is highly greased, well maintained, and bigger. Way bigger.  The path rom The Idea Bank is more like a rotted, broken down set of stairs. With vines and spikes poking through it, sand, rocks and stones all over and it is very narrow. Every day it isn't used it gets less inviting.  Fear has the ability to lube itself up, pulling on disguises that would make even the scariest horror movie character be welcomed into your home. A parent voice, maybe. Every time I hear my fear as my moms voice I use EFT (tapping) and tell it to go to the BS stories at the far back. That Old Bag You Keep Carrying in Your Small Business Each role someone takes on has two sets of rules. The first set belongs to the company they work for and agree to follow in exchange for making money. The second set belongs to them, and it goes everywhere with them, inherited and primed through life. All the experiences from the workplace, the goods, the bads and the ugly get added to the personal bag, taken on to the next workplace. In the event that they start a new business, choose to become and entrepreneur to escape the business that no longer wants them, or that laid them off, or to no longer have a boss to answer to, the bag is along for the ride. Bringing all the baggage with them, the self-doubts, the thoughts about their value and self-worth, and thepricing rules. Join my FREE 4 Week Boost Your Money IQ course and see a immediate improvement in your financial anxiety in all areas of life Start now  Get on the Waitlist to Work Together in The Breakthrough Navigator - Money Edition or Business & Money Edition

Google Financial literacy and it's a hot topic all over the world, from millenials worried about college to boomers wondering if they can retire with $ 2 million in assets and investments, and everyone in between. The finance industry itself always seems to on a growth trend, yet it's easy to get hooked on the idea that there is one right way - a set of tactics and strategies for financial security. Just a minute, personal finance is personal just like personal development is personal, and a weight loss journey is personal. Why are we forgetting that, and reaching for the one size fits all solutions dished out by the likes of Dave Ramsey and Fire and YNAB? The David Bach's, Suze Orman's. Have we bought in so deeply to this that the more important 70%, the stuff that isn't in the spreadsheets and budgets and rigid envelopes is ignored? It's vital to the health of your money relationship to remember that the thoughts you think about money, or the absence of it in your life is true financial literacy. Understanding context, the meaning - obvious and invisible, and that backslides, slips, total F-ups, and all the things that appear to be you falling behind are in fact a necessary right of passage on every money journey to a healthy relationship. Overcoming "Keeping Up with the Jones" When you focus solely on making money, on being the best house on the street, having the newest cars, the private schools, the sports teams, dare I say not a dandelion in sight, something has to give. And in the search for that you don't allow for any slipups. It's to the top - or else. The fall from grace is great. Because if you aren't slipping and sliding, taking detours and getting a flat or two fixed on your car on the way, all that is likely going to come in a big package. At your supposed top. Divorce - job loss - accident - illness. It is almost inevitable. Each path is unique, like the morning routine. Or the non existent morning routine. The 70% is something that is created from a melting pot of ideas, beliefs, thoughts, quotes, wisdom from those who came before us, those near to us, and the opener to new perspectives comes mostly from people and things we reach for in those two steps back. To find our footing. The "People LIke Me Don't" Belief Our society has designed personas that we are supposed to fit into. Each generation has it's special ones. The Boomers and the lawyers, accountants and doctors. Gen Z fighting to not be like their parents and create more latch-key kids so there's always one parent home. The Millenials protected in bubble wrap and constantly surveyed by helicopter parents. And those roles have incomes assigned to them, and expectations. We can shake those expectations and focus on creating our own personal finance reality. We can figure out the pieces that empower our financial literacy. We can devote energy to changing the unspoken words, to the feeling inside that is guiding us - that's the 70%. You develop a strong infrastructure that can support the life you are dreaming of. It can withstand the temporary misjudgements, the occasional over-spend, the every once in a while credit card balance that is over 30% of your limit, the impulse of booking that short vacation weekend. Vistas and Beautiful Sunrises Financial peace is so much more than a specific $ figure in your accounts, or a number of houses in your portfolio. And it's definitely not getting up every single day and looking at a rigid spreadsheet or budget and measuring yourself against it, berating yourself with the shoulds, coulds, if onlys, and what ifs. Financial peace, a life free of financial stress, each day void of financial worries, is all yours in the 70%, in the new thinking, in the changing beliefs, and in the attempts to try a new way, a new process,a tweak to a new system.   Resources (updated on 1 April 2023):  Join my FREE 4 Week Boost Your Money IQ course and see a immediate improvement in your financial anxiety in all areas of life Start now  Get on the Waitlist to Work Together in The Breakthrough Navigator - Money Edition or Business & Money Edition

Money and relationships is often the underlying current in our episodes here, and there are times like today when running straight into the fire, is the medecine needed.  It is sometimes one of the toughest conversations to initiate, yet the most valuable. So often we find ourselves holding back, afraid of saying something offensive, or misreading the signs, and so we waffle. Staying on mudane surface level words. In 2023 the skill of conversation seems to have been lost, and feared. With people afraid to talk to others. Is it a fear of what they might hear, or is a fear of saying the wrong thing? Everyone sounds like they are walking and talking with silk gloves. In this episode we're addressing the skill of finding the key to unlock what is probably the most important conversation for someone who is struggling financially in their personal life. I'm really not Okay!!! I'm drowning and can't ask for help When we look around us, it's like a mirror, in our words and in our actions. And as compassionate humans as we end our conversations a little voice inside us is quietly tapping our heart to get our attention. She's not telling the truth. Something doesn't feel right. Why isn't he happier since he just got a new contract for the business? And as we watch them walk away, berating ourselves for not sharing the thing that has been keeping us up, tossing in bed every night, for weeks. A defense mechanism on full lock, riddled with warnings heard again and again as we grew up. Don't talk about money in public. Don't air your dirty laundry. BS!!! BS!!!! All Bullshit stories that those before us (and some still around us) thought were helping us. Mind Your Business: When to Bet on Them Each person has a very unique journey, with milestones, lesson learned and advances that defy all the odds. A chance encounter - a book calling their name - a detour that delivered an experience beyond what they could ever imagine. All because someone cared to ask a question. We are better together, even if it feels intrusive at the time. Like playing a slot machine Vegas that you never know when it is going pay off. What is going on in someone's life at the moment you start the conversation comes from observing first and not just racing to the very top level of the 10 metre diving tower and throwing in a Hail Mary dive.  Gentleness, even clumsiness is value. You're Not Alone Like the quote we are all in this together, we are all in this together, whether we share with our trusted friends or not. In fact, progress comes from sharing, from emerging from the silos of isolation and shame. to listen to the stories of others. Some who are leaps and bounds beyond you, some who are just starting to discover some of the tentacles that have held them captive.  Inside each of the stories is an origin story - a story that has played on repeat for years since the pre-pre-teen years. A story that had no explanation as to why it didn't simply vanish. A story that in itself was an invisible barrier to anything prior to that minute. Our stories connect us. We can relate to some - others are simply foreign. Other Things from This Episode are: Cost of not addressing financial stress in those around us, Avoiding the Master - Servant dynamic, Pattern Interruptors - types and what are they, Indentifying tell-tale signs of financial anxiety and worry Press PLAY to listen to the full episode Resources (updated on 1 April 2023): Join my FREE 4 Week Boost Your Money IQ course and see a immediate improvement in your financial anxiety in all areas of life Start now  Get on the Waitlist to Work Together in The Breakthrough Navigator - Money Edition or Business & Money Edition

What could you do differently with the money and resources that you have right now? You didn't set out on this path of an incredible, experience and joy filled life just to have to nickle and dime yourself for every single thing, did you? And the big question might actually be, do you realize that you are hurting yourself with it?  Our lives so often feel like we have no control, especially if we're doing the same thing our parents did. We might even be getting a similar result - but the world has changed. What worked then most likely doesn't now. Consistently Prioritize Spending Rules without Budgeting Whether your family take-home pay is $ 250,000 or more, or closer to the American average of $ 70K, each person in the family needs to consciously create their own rules. To decide what categories they absolutely love, and then cost becomes a no-brainer; and to decide what categories they will be unequivocably miserly, frugal, cheap.  Same at the family level, regardless of what your family unit looks like.  What are the things that in your heart you absolutely hate to spend your hard earned money on. The companies that you need, the essentials, yet they feel to you like it's always a Win/Lose with you on the bottom. And what the ones that fuel you, inspire you, always leave you feeling better, and looking to the future? The Hidden Costs of FREE when planning a vacation When you find that your predominant buying style is to search for free, then the cheapest, what online sites sneakily slide in as a Sort By Option called Lowest Price or the big deals, what Amazon calls New Deals Everyday you have a negative habit.  Most of us start off this way, built innocently through our families and friends, and the companies we frequent. And just like losing weight and changing up a long held habit, it takes time, focus, and desire. Are you dreaming of a life built on free and discount things? It's wickedly exhausting. And it easily builds resentment in your immediate circle. Value of Branding, and why James Wedmore has spelling mistakes Every person that you know has a brand, as does every business, whether they are an in person or online one. And that brand is built intentionally or unintentionally. Walmart was created specifically with the vision of helping people save money so that they could life better. Is that what you think of when you think Walmart? Or people of Walmart? No, it's where people go to get buy financially. Anyone around you have a Kate Spade purse? An Aston Martin DBX? Tickets to the 2023 Monaco Formula 1 Grand Prix? All brands intentionally built on perceived high quality, and in limited supply. But accessible to everyone with a plan - for real. When you build a business solely focusing on price only, and trying to compete on price it unintentionally weakens the brand. Other Things from This Episode are: Importance of guarnatees Using a FREE offer to get in on the ground floor of something big The culture of disposability Shaping your view of a brand Competing beliefs  Press PLAY to listen to the full episode Join my FREE 4 Week Boost Your Money IQ course and see a immediate improvement in your financial anxiety in all areas of life Start now Get on the Waitlist to Work Together in The Breakthrough Navigator - Money Edition or Business & Money Edition

Every single one of us has some version of a life plan for the later years in life. Yet when those later years start can be in your 30's, 40's, 50's anywhere up to never. It's your choice. I totally doubt that the idea of sitting around just doing hobbies or having beach time all day is on the radar. At least not long term. Today's episode will challenge you to think differently about the concept of retirement and how you view your money and how that is driving the reactions and decisions - not just yours, but societies.  Topics I touch on in today's episode include: what's different about retirement today versus our parents retirement how technology has helped to almost double life expectancy why trying to outlive your money is scarcity thinking discovering opportunity from a whole lot more years of life   Resources:  Get my FREE 4 Week course Radically Boost Your Money IQ (and EQ too) here  Work with Me in The Breakthrough Navigator - Money Edition or Business & Money Edition (click either link)

It is impossible to argue that each of our countries are melting pots of diverse cultures, beliefs, traditions and yes, money quirks. That's the thing makes the world in 2023 so very amazing.  One of the things I've been observing more is how culture and family upbringing affects people and their money. In couples it so often becomes a hot topic, a point of friction, the source of recurring arguments and disagreements.  Sure, we're each unique but how can two people growing up in the same city, or state be so very different.   What diversity and culture can teach us about money  Depending on your age and life experiences it is so easy to think that how we think, our beliefs, practices, thoughts, jobs, businesses are the only way to act or achieve your desires. Yet as more people from the different countries immigrate, and we travel more and more to new countries, we can see the major flaw in that.  We are in the midst of shaking off the shroud of British colonialism, and seeing whole countries reinvent themselves. Free.  But in that, there are generational and cultural traditions that will carry on. Some will prevail, some will be discarded in favour of new ones and some will simply evolve - permutate.  How we value something may change.   The thing that Stand-Up Comedians are spot on about  No-one does it better that those who are unafraid to tackle racial stereotypes, without offending a lot of people. Honestly if we can't laugh at ourselves, we've just gotten to serious, about dumb shit.  It's important to be able to say say, Yup, I do that, and I can totally see how it looks ridiculous to someone else. I'm the first one to say there are days I say dumb things. Days where my parents and money are the brunt of my stories about money.   Topics I touch on in today's episode include:  how living in a non-white country as a white girl affects how my perspective privilege and the pieces that we may not see currency - what's value to one culture can be the polar opposite in another understanding the how one money practice can be viewed differently in different cultures and in different environments   Resources:  Get my FREE 4 Week course Radically Boost Your Money IQ (and EQ too) here  Work with Me in The Breakthrough Navigator - Business & Money Edition

So many of us think we know what is happening in our businesses, and in our personal finances yet when we sit down and look at the numbers, it is a whole other story- one we really don't want to hear.  We procrastinate. We make excuses. We plow bull-headed forward until the inevitable happens and we are forced to confront reality. There is a better, easier, and maybe even more fun way to get on to top your numbers.   The Reality of What my Clients saw when they looked at their financials  Overwhelm. A slate of numbers that literally made no sense to them. Words and acronyms that even seasoned accountants can't explain. And allowed them to embrace numbers. And more importantly have enough knowledge of them to make informed decisions.   The Basics behind any good selection of Metrics and Data to Track There is no one size fits all in the world. Period. Not in financial advice. Not in how to build and grow a successful business. Yet there is a constant throughline, because without income and revenue, there is no business. Even if you are a Not for Profit.    Topics I touch on in today's episode include:  Why looking at percentage change is your best model for metrics Understanding that behind every number is a story How to select the best items to track for your business The observation of the emotions behind the changes you see How to use your bank's app as your dashboard for your personal life   Resources:  Access the Excel or Google Sheet Sample Dashboard here  Get my FREE 4 Week course Radically Boost Your Money IQ (and EQ too) here  Work with Me in The Breakthrough Navigator - Business & Money Edition