Money & You with Michelle Perkins

Ep 219: “Confidence, Courage, and Cash Flow: The Mindset That Changes Everything”

Ep 218: “Overthinking holds you back. Action moves you forward.”

Ep 217: Your Knowledge Is an Asset: Turn What You Know Into 24/7 IncomeSpecial Guest: Justin Allan Montgomery

Ep 216: Should You Really Take Social Security at 62? The Truth Behind the Numbers

Ep 215: Give Now, Decide Later? The Power of Donor Advised Funds  Special Guest: John BromleyFor more information visit https://limitfreelife.com/

Ep 214: Why Financial Literacy Is a Social Justice Issue

Ep 213: How to Have Time Freedom Before Retirement and Financial Independence

Ep 212: Money, Cycles & Success: A New Way for Women to Build Wealth

Ep 211: Legacy Starts Now:  How Today’s Money Choices Shape Tomorrow

Ep 210: From Breakdown to Breakthrough: Compassionate Financial Planning for Real Life

In the first podcast episode of 2026, host Michelle Perkins and her guest Deborah Pardes, discuss the importance of play in our lives, and its potential, surprising benefits for personal and professional growth. The guest emphasizes the need to prioritize play as a means of enhancing well-being and creativity. She’s the founder of “The Payfull Society,” which brings people together IRL to explore how engaging in playful activities, such as games, can help individuals shift their perspectives, alleviate stress, and foster new ideas, even in challenging areas like finances and relationships.The conversation highlights the concept of the "Playfull Society," a community initiative aimed at encouraging people to integrate play into their daily lives. The speakers reflect on their experiences with games, noting how they can serve as a valuable tool for personal development. This discussion is significant as it advocates for a cultural shift towards valuing play, suggesting that it can lead to greater happiness and productivity. The episode underscores the idea that play is not merely leisure but a vital component of a fulfilling and creative life.00:01 - Introduction to The Playfull Society 06:16 - Prioritizing play in life19:06 - Transformative power of play24:34 - Value of playful perspectives38:17 - Creating a playful space44:17 - Incorporating play into business “The Playfull Society” was inspired by the host's experiences with literature and the interplay between achievement and reward systems, particularly in relation to how people prioritize play in their lives.The podcast discusses how engaging in play can help individuals shift their perspectives, reduce stress, and foster creativity, which can lead to new strategies for tackling personal and professional challenges.Many individuals struggle with feelings of guilt or the belief that play is less valuable than other activities, often feeling pressured by schedules and responsibilities that make it difficult to engage in playful activities.The podcast suggests that play can serve as a therapeutic outlet, allowing individuals to calm their nervous systems, gain new insights, and approach problems with a fresh perspective, ultimately benefiting their mental health.Key Takeaways-Play is Essential: Incorporating play into our daily lives can lead to improved mental health, creativity, and problem-solving abilities.Transformative Experiences: Engaging in playful activities can help individuals shift their perspectives and approach challenges with a fresh mindset.- Community Matters:  Building a supportive community around play can enhance the experience and provide valuable connections.- Play and Money: The connection between play and financial decision-making, highlighting how a playful mindset can lead to better strategies for managing money.Connect with Deborah:  ThePlayfullSociety.comFor more tools and conversations about money mindset, practical tips, confidence, and financial empowerment…Subscribe to the “Money & You With Michelle Perkins” Podcast:Apple PodcastsPlease rate & review and share the show with friends and family who want to feel more confident and in control of their financial lives—it really helps us!Join the Limit Free Life Community & Blog: https://limitfreelife.com/newsletterLearn more about Michelle Perkins: https://limitfreelife.comLinkedIn: Michelle M. Perkins MBA on LinkedInInstagram: @livealimitfreelifeYouTube: Michelle Perkins – Limit Free Life

In this episode of the "Money & You" podcast, host Michelle Perkins speaks with Shauna A. Wekherlie, considered to be in the Top 1% of Tax Strategists in the USA, MTax, CTC, CTP, CTS, specializing in Business Tax Strategy & Real Estate. The “Tax Goddess” has saved over $2.03 BILLION in Taxes for her clients.  A strategic CPA (with a masters in tax) and a great sense of humor, she provides valuable information about the critical role of tax strategy in financial planning. The discussion emphasizes that many money issues stem from mindset and habits, particularly regarding taxes, where significant savings are often overlooked in favor of more exciting or understandable financial topics. Shauna shares insights on the importance of working with a knowledgeable tax strategist to maximize tax benefits and avoid leaving money on the table. She advocates for a proactive approach, suggesting that individuals set aside 15% of their gross revenue for tax-related savings to ensure they are prepared for opportunities and obligations. The conversation highlights the need for financial education and the value of aligning with professionals who can provide strategic guidance. This episode is particularly relevant as it approaches the end of the year, a critical time for tax planning. The importance of understanding tax strategies is underscored as a key component of achieving financial independence.00:01 - Introduction to money mindset 06:48 - Maximizing tax strategies legally20:31 - Profit first accounting explained31:11 - Importance of tax strategists40:28 - Collaborating with tax professionals Having a tax strategist is significant because they keep up with the latest tax rules and can provide tailored strategies that help individuals maximize their financial opportunities. The podcast addresses the misconception that all tax strategies are known and utilized by CPAs, emphasizing that many individuals leave money on the table by not fully understanding or leveraging available tax strategies. Traditional CPAs may not offer true strategic advice.The podcast clearly articulates how taxes are a significant piece of the wealth puzzle that many overlook. Shauna and her team can open up a world of new options, especially for entrepreneurs.Contact the Tax Goddess: taxgoddess.comLinkedIn: linkedin.com/in/taxgoddessFor more tools and conversations about money mindset, practical tips, confidence, and financial empowerment…Subscribe to the “Money & You With Michelle Perkins” Podcast:Apple PodcastsPlease rate & review and share the show with friends and family who want to feel more confident and in control of their financial lives—it really helps us!Join the Limit Free Life Community & Blog: https://limitfreelife.com/newsletterLearn more about Michelle Perkins: https://limitfreelife.comLinkedIn: Michelle M. Perkins MBA on LinkedInInstagram: @livealimitfreelifeYouTube: Michelle Perkins – Limit Free Life

In the podcast episode of "Money & You," host Michelle Perkins engages in a discussion with Shannon Ryan, a CFP, author, speaker and behavioral finance advocate shares insights from her experience and her book "Your Money Has Feelings." Shannon is known for helping people heal money wounds and transform their money story with confidence, clarity and emotional awareness. The conversation centers around the emotional aspects of money management, emphasizing that financial issues often stem from one's mindset and personal history. They explore how beliefs and experiences shape individuals' relationships with money, highlighting the importance of recognizing and addressing these underlying issues to foster a healthier financial outlook.The episode underscores the significance of understanding one's emotional responses to money, the impact of consumer debt, and the necessity of conscious spending. It also touches on the challenges faced by individuals, particularly students burdened with debt, and the importance of having a cash reserve. This discussion is crucial as it aims to empower listeners to break negative financial patterns and cultivate a more positive relationship with money, ultimately leading to a more fulfilling life. The conversation reflects ongoing concerns about financial literacy and emotional well-being in personal finance.00:01 - Understanding money mindset 09:05 - Emotional connections to money22:43 - Facing financial fears29:54 - Balancing values and spending40:15 - Navigating debt and investments47:17 - Emotional responses to finances Key Takeaways:Shannon Ryan emphasizes that our relationship with money is deeply emotional and influenced by our thoughts, feelings, and past experiences. She suggests that understanding these emotional aspects is crucial for developing a healthier relationship with money.Negative beliefs about money can create a cycle of fear and limitation, leading individuals to make poor financial decisions. These beliefs often stem from past experiences and can prevent people from recognizing opportunities for abundance.Consumer debt is portrayed as a significant burden that can lead to stress and a compromised life. The discussion highlights the importance of managing debt and understanding one's financial situation to avoid falling into deep consumer debt.The podcast suggests that individuals can shift their mindset by recognizing and addressing their fears and expectations around money. This involves becoming aware of negative thought patterns and learning to make conscious spending decisions that align with their values.Having a cash reserve is emphasized as a crucial safety net that can alleviate stress and provide financial security during unexpected situations, and allow individuals to respond more effectively to financial challenges.Connect with Shannon:Watch her Tedx talk: https://www.youtube.com/watch?v=LtQBW2hCDYcContact her: linkedin.com/in/shannonryan2Grab her book: Your Money Has Feelings For more tools and conversations about money mindset, practical tips, confidence, and financial empowerment…Subscribe to the “Money & You With Michelle Perkins” Podcast:Apple PodcastsPlease rate & review and share the show with friends and family who want to feel more confident and in control of their financial lives—it really helps us!Join the Limit Free Life Community & Blog: https://limitfreelife.com/newsletterLearn more about Michelle Perkins: https://limitfreelife.comLinkedIn: Michelle M. Perkins MBA on LinkedInInstagram: @livealimitfreelifeYouTube: Michelle Perkins – Limit Free Life

In this podcast episode of "Money & You," host Michelle Perkins discusses career transitions and the importance of mindset in navigating job changes. The conversation features guest Katrice A. Miller, an attorney and career coach, who shares insights on preparing for career shifts, emphasizing that many individuals are currently reevaluating their job satisfaction and have been since the pandemic.Katrice is an award winning, highly recognized speaker delivering workshops and keynote talks that impact and inspire her audience. Drawing from her own journey and decades of experience, she equips individuals with practical tools to strengthen their leadership presence, overcome adversity, and achieve lasting career success.She is the founder of Corporate Consulting Group, LLC, helping  high-achieving professionals build careers with purpose, power, and the pay equity that reflects their true value and worth. She equips her clients with the tools they need to build dynamic personal brands and elevate their leadership presence to achieve extraordinary career success. The podcast  highlights the significance of finding meaningful work and the necessity of pivoting rather than viewing a situation as a failure. They stress the importance of storytelling in interviews and adapting to modern job search strategies, including leveraging AI and networking effectively. Storytelling is emphasized as a critical skill for presenting oneself effectively in interviews, as it helps candidates articulate their experiences and problem-solving abilities in a relatable manner.Highlights:Katrice rebuilds client's self-assurance, crushes imposter syndrome, and equips them to re-enter the market with authority and purpose, after layoffs. She reveals insider strategies to get noticed by employers and have recruiters contacting you.Katrice teaches how to own the interview process, communicate value clearly, and convert interviews into offers—even in highly competitive markets.As a seasoned labor and employment attorney, she shows candidates exactly how to negotiate for more—and win.The discussion underscores the evolving nature of job applications, where quality connections and personal branding on platforms like LinkedIn are crucial. This episode is important as it addresses the challenges many face in today's job market, offering practical advice for those seeking fulfillment in their careers.00:01 - Finding fulfillment in work 07:32 - Embracing career transitions14:29 - Quality job search strategies24:53 - Mastering interview storytelling33:04 - Leveraging AI in job search39:35 - The power of networking49:12 - Monetizing your passion Key TakeawaysFinding fulfilling work is crucial for overall happiness and life satisfaction.- Career transitions can be approached strategically, leveraging past experiences.- Quality connections and storytelling are essential in the modern job market.- Embracing technology, including AI, can enhance job search efforts.- Networking should be viewed as a way to build relationships rather than a transactional process.Learn More About Katrice Here:Keynote Page & Testimonials: Premier Keynote Speaker and Corporate Compliance Trainer   LinkedIn Profile: linkedin.com/in/katricemillerFor more tools and conversations about money mindset, practical tips, confidence, and financial empowerment…Subscribe to the “Money & You With Michelle Perkins” Podcast:Apple PodcastsPlease rate & review and share the show with friends and family who want to feel more confident and in control of their financial lives—it really helps us!Join the Limit Free Life Community & Blog: https://limitfreelife.com/newsletterLearn more about Michelle Perkins: https://limitfreelife.comLinkedIn: Michelle M. Perkins MBA on LinkedInInstagram: @livealimitfreelifeYouTube: Michelle Perkins – Limit Free Life

Ep 205: The Power of Your Past: Transforming Everyday Experience Into Career Gold

Ep 204: Escape the Clock: How to Retire Early on Your Terms

On today’s eye opening podcast, Michelle hosts Mike Milligan, the Founder of 1.oak Financial, a virtual financial planning firm that prioritizes each client’s individuality. He built the firm to combat the “Paralysis Penalty,” a pattern of one-size-fits-all financial advice that leaves people unprepared for Wall Street, insurance, and markets. Mike brings 30 years of experience, a specialized industry degree, and insights from big banks and insurance firms to deliver personalized strategies that protect and grow wealth. He's a Certified Financial Planner, current adjunct professor at Old Dominion University, host of the ‘Ideas by Mike” podcast and “The One of a Kind Financial Show,” and author of two books: The “One of a Kind Financial Plan” and “Retirement Déjà Vu.”Mike discussed the importance of fostering a healthy relationship with money, emphasizing that many individuals feel unprepared or intimidated by financial planning. They illustrated how common beliefs about money can hinder financial success. The conversation also touched on the need for open discussions about finances, particularly among women, who often engage less in these conversations compared to men.They agreed that financial advisors should focus on facilitating dialogue rather than merely providing recommendations. This discussion aims to empower individuals to take control of their financial futures, essential for overcoming obstacles and achieving financial independence.00:05 - Building a healthy money mindset 19:13 - Recognizing financial patterns24:60 - Foundations of wealth creation36:34 - The power of money conversations Key Takeaways:Emotional Underpinnings: Recognizing that financial decisions are often driven by underlying beliefs and emotions rather than just numbers.Breaking the Cycle: Strategies to overcome the "Deja Vu" feeling of repeating past financial mistakes.Engagement is Key: The importance of having open discussions about money to foster understanding and growth with advisors.Personalized Financial Planning: The need for tailored financial strategies that align with individual goals and lifestyles.For more tools and conversations about money mindset, practical tips, confidence, and financial empowerment…Subscribe to the “Money & You With Michelle Perkins” Podcast: Apple PodcastsPlease rate & review and share the show with friends and family who want to feel more confident and in control of their financial lives—it really helps us!Join the Limit Free Life Community & Blog: https://limitfreelife.com/newsletterLearn more about Michelle Perkins: https://limitfreelife.comLinkedIn: Michelle on LinkedInInstagram: @livealimitfreelifeYouTube: Michelle Perkins – Limit Free Life

In this episode of the "Money & You" podcast, host Michelle Perkins engages with Laura Rehbein, a certified financial planner and author of "Fearless Finance." The discussion centers on the psychological and emotional aspects of money management, particularly in the context of retirement planning. Laura shares insights from her 30 years of experience, emphasizing the importance of addressing financial uncertainty and the behavioral challenges that often paralyze individuals from making informed decisions. The conversation highlights the complexities of financial planning, including estate planning and the need for a holistic understanding of one’s financial situation. This episode aims to empower listeners by providing practical tools and reassurance on how to navigate their financial futures, ultimately fostering a healthier relationship with money. The episode contributes to ongoing dialogues about financial literacy and preparedness in an increasingly complex economic landscape.00:01 - Introduction to fearless finance 06:52 - Understanding money mindset15:03 - Estate planning essentials26:02 - Behavioral finance insights36:20 - Emotional aspects of finance45:35 - Conclusion and resources Key Takeaways:  Emotional Awareness: Recognizing the psychological barriers to financial decision-making is crucial for overcoming uncertainty.Proactive Planning: Preparing for retirement and estate planning can provide peace of mind and financial security.Communication is Key: Regular discussions with financial advisors can help clients feel more empowered, informed and positive about their financial futures.Education and Empowerment: Building confidence in financial literacy is essential for making informed decisions.Laura is dedicated to helping professionals and retirees gain clarity in their financial lives. As author of “Fearless Finance”, a practical guide aimed at empowering individuals to approach retirement with confidence, she is making an impact and sharing her wisdom.For more tools and conversations about money mindset, practical tips, confidence, and financial empowerment…Subscribe to the “Money & You With Michelle Perkins” Podcast: Apple PodcastsPlease rate & review and share the show with friends and family who want to feel more confident and in control of their financial lives—it really helps us!Join the Limit Free Life Community & Blog: https://limitfreelife.com/newsletterLearn more about Michelle Perkins: https://limitfreelife.comLinkedIn: Michelle on LinkedInInstagram: @livealimitfreelifeYouTube: Michelle Perkins – Limit Free Life

In this podcast episode of "Money & You," we have an entertaining and important conversation with guest Barry Levine, an experienced and humorous bankruptcy attorney. The conversation focuses on dispelling myths surrounding bankruptcy and addressing the fear that often paralyzes individuals facing financial difficulties.Levine emphasizes that understanding the legal process and available options can empower people to make informed decisions rather than succumbing to panic.Levine shares insights from his 45 years of experience, highlighting the importance of recognizing when to seek help and the potential consequences of delaying action. He explains various bankruptcy options, such as Chapter 7 and Chapter 11, and discusses the implications of each. Barry aims to provide listeners with a clearer understanding of bankruptcy in a refreshingly optimistic way. He describes its processes, and how to navigate financial challenges effectively, for a new beginning and the relief that comes with that.This discussion is important as it seeks to demystify bankruptcy, offering reassurance and practical advice to those who may be struggling with debt, ultimately promoting a healthier relationship with money and financial decision-making.00:01 - Building a positive money mindset 10:08 - Understanding bankruptcy options16:33 - Discharging debt in bankruptcy24:56 - Navigating the bankruptcy process34:18 - Deciding on bankruptcy filing44:22 - Resources for financial knowledge Key Takeaways: Bankruptcy is not the end; it can be a new beginning and a path to financial freedom.Fear and misinformation can trap individuals in a cycle of debt; understanding the options   available is crucial.Seeking professional guidance can help navigate the complexities of bankruptcy and financial recovery.Maintaining open communication with creditors and considering all available options can mitigate the need for bankruptcyBarry Levine is a seasoned bankruptcy expert with over 45 years of experience. He is the author of "Bankruptcy Through the Looking Glass," which provides a realistic perspective on bankruptcy and its implications. Barry's approach focuses on understanding the legal process and empowering clients to make informed decisions.For more tools and conversations about money mindset, practical tips, confidence, and financial empowerment…Subscribe to the "Money & You With Michelle Perkins" Podcast:Apple Podcasts, spotify, iheart radio and morePlease rate & review and share the show with friends and family who want to feel more confident and in control of their financial lives—it really helps us!Join the Limit Free Life Community & Blog: https://limitfreelife.com/newsletterLearn more about Michelle Perkins: https://limitfreelife.comLinkedIn: Michelle M. Perkins MBA on LinkedInInstagram: @livealimitfreelifeYouTube: https://www.youtube.com/@michelleperkins-limitfreel2446For more tools and conversations about money mindset, practical tips, confidence, and financial empowerment…

Celebrating the 200th episode of the "Money & You" podcast, host Michelle Perkins engages in a discussion with special guest expert Hilary Hendershott (Hendershott Wealth Advisors- HendershottWealth.com) about the intersection of money mindset and financial planning. The conversation highlights how personal experiences with money shape one's financial habits and beliefs, emphasizing the importance of a healthy relationship with money. The speakers reflect on their journeys, including Hilary’s background in financial planning and her realization of the need for a mindset shift to achieve financial abundance.Hilary Hendershot is a the founder of a virtual wealth management firm, specializing in helping clients achieve financial freedom through comprehensive planning and tax-efficient strategies. Hilary is also a podcast host and offers valuable resources for individuals looking to improve their financial literacy.The episode underscores the significance of understanding financial concepts, particularly for women, and the necessity of seeking comprehensive financial advice rather than relying solely on simplified investment strategies. The discussion also touches on the complexities of tax strategy and the resilience of the stock market, aiming to empower listeners to engage actively with their financial futures. This episode is important as it marks a milestone for the podcast while providing valuable insights into financial literacy and the emotional aspects of money management, encouraging listeners to transform their financial lives.00:01 - Introduction to money mindset 05:56 - Personal financial awakening journey15:17 - Evaluating financial advice20:27 - Tax strategies for wealth29:09 - Understanding stock market risks40:19 - Building trust in finance Key Takeaways: - Mindset Matters: Our beliefs about money can significantly impact our financial reality. Shifting to a mindset of abundance can lead to greater financial freedom.  Engagement is Key:  Actively participating in financial planning and decision-making is essential for building wealth and confidence.- Value of Professional Guidance: Financial advisors can provide critical insights and strategies that empower individuals to make informed financial decisions.- Understanding Investments: Educating oneself about the stock market and investment strategies can alleviate fears and promote a more positive relationship with investing.- Trust in Financial Relationships: Building trust with financial advisors and within oneself is vital for a healthy financial journey.For more tools and conversations about money mindset, practical tips, confidence, and financial empowerment…Subscribe to the "Money & You with Michelle Perkins" Podcast:Apple Podcasts, spotify, iheart radio and morePlease rate & review and share the show with friends and family who want to feel more confident and in control of their financial lives—it really helps us!Join the Limit Free Life Community & Blog: https://limitfreelife.com/newsletterLearn more about Michelle Perkins: https://limitfreelife.comLinkedIn: Michelle M. Perkins MBA on LinkedInInstagram: @livealimitfreelifeYouTube: https://www.youtube.com/@michelleperkins-limitfreel2446For more tools and conversations about money mindset, practical tips, confidence, and financial empowerment…