The Wealth Whisperer

In this episode, Hazel explores effective strategies for managing and eliminating debt, focusing on two popular methods: the Debt Snowball and Debt Avalanche techniques. The Debt Avalanche method prioritises paying off debts with the highest interest rates first, ultimately saving money on interest payments and reducing the time needed to become debt-free.  KEY TAKEAWAYS Debt Repayment Strategies: There are two primary methods for managing debt: the Debt Avalanche method, which focuses on paying off the highest interest debt first, and the Debt Snowball method, which targets the smallest debt first. Each method has its own advantages and disadvantages. Importance of Minimum Payments: Regardless of the chosen method, it's crucial to make minimum payments on all debts except for the one being targeted. Setting up automatic payments can help ensure that these minimums are met consistently. Pros and Cons of Each Method: The Debt Avalanche method can save money on interest and reduce the time to become debt-free, but it requires discipline and commitment. In contrast, the Debt Snowball method can provide quick wins and motivation by eliminating smaller debts first, though it may result in paying more interest over time. Debt Consolidation Option: Consolidating debts can be a beneficial strategy, especially if one has equity in their home. By refinancing at a lower interest rate, individuals can potentially reduce their overall interest payments and simplify their debt management. BEST MOMENTS"The Debt Avalanche method means you pay off the highest interest debt first, while the Debt Snowball method has you pay off the smallest debt first." "Using the Debt Avalanche method will save you the most in interest payments as you go along." "The snowball method can give you that motivation to settle your debts faster and see accounts closed down much quicker."   VALUABLE RESOURCES Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances... https://www.the-freedom-club.com/financial-freedom-spreadsheet-landing-page ABOUT THE HOST Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free.  She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn’t JUST come from being financially independent… Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'.  During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest. CONTACT METHODS WebsiteInstagram

In this episode, Hazel delves into the principle of opportunity cost, emphasising its significance in making informed decisions, particularly in financial matters. As the new year begins, the discussion reflects on the regrets many individuals have regarding missed opportunities, such as investing in property or cryptocurrencies. Hazel shares personal experiences and insights gained over 15 years of working with clients, highlighting the importance of education and due diligence in investment choices. KEY TAKEAWAYS Understanding Opportunity Cost: Opportunity cost refers to the value of the next best alternative that is forgone when making a decision. It's crucial to recognise what you might be giving up when choosing one option over another. Importance of Education: Being informed and educated about different investment opportunities is essential. Knowledge can help individuals make better financial decisions and avoid regrets about missed opportunities. Delayed Gratification: Choosing to invest in long-term financial stability, such as property, over immediate pleasures like luxury vacations or cars can lead to greater financial security in the future. Learning from Experience: Not every investment will yield positive results, but each experience—whether successful or not—provides valuable lessons. Embracing failures as learning opportunities is vital for growth. BEST MOMENTS "Opportunity cost is the value of the next best alternative when a decision is made." "The opportunity cost of such was that we chose delayed gratification for future financial stability." "If you're not in the game, you're not learning." "It's important to align with the choices that you make and make sure that you are doing the correct due diligence."   VALUABLE RESOURCES Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances... https://www.the-freedom-club.com/financial-freedom-spreadsheet-landing-page ABOUT THE HOST Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free.  She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn’t JUST come from being financially independent… Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'.  During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest. CONTACT METHODS WebsiteInstagram    

In this episode, Hazel welcomes listeners to the New Year and shares a reflective exercise designed to help individuals take stock of their lives, particularly focusing on finances and personal growth. Hazel encourages listeners to grab a pen and paper to answer a series of thought-provoking questions that assess their achievements, challenges, and aspirations from the past year. By reflecting on what went well, what could have been improved, and what actions to take moving forward. KEY TAKEAWAYS Reflective Exercise: At the start of the year, it's beneficial to take stock of your life, particularly your finances, by reflecting on your achievements and areas for improvement. This can help you identify necessary adjustments to align with your life objectives. Mindset Shift: Progress towards personal and financial freedom often requires a shift in mindset. Recognising the importance of your thoughts and decisions can empower you to take different actions that lead to desired outcomes. Long-Term Perspective: People tend to overestimate what can be achieved in a year but underestimate what can be accomplished in five years. It's essential to focus on long-term goals and the foundational work needed in the early years of your journey. One Word Exercise: Consider what one word represents what you want to leave behind from the previous year and what one word embodies how you want to feel moving forward. This exercise can help clarify your intentions for the new year. BEST MOMENTS"It's a powerful little exercise that I'm going to be sharing with you." "If you don't stop then to be quite honest with you it could be feeling like you're bashing your head against a brick wall." "People massively overestimate what can be achieved in a year, but hugely underestimate what can be achieved in five years." "What one thing would you like to carry forward into 2025 in terms of your sense of being?" VALUABLE RESOURCES Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances... https://www.the-freedom-club.com/financial-freedom-spreadsheet-landing-page ABOUT THE HOST Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free.  She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn’t JUST come from being financially independent… Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'.  During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest.  

In this thought-provoking podcast episode, Hazel guides listeners through a reflective exercise aimed at assessing their current life situation. By posing a series of introspective questions about work hours, income, and personal time, Hazel encourages individuals to confront the often-overlooked aspects of their daily lives. KEY TAKEAWAYS Self-Reflection on Time and Money: It's essential to assess how much time is spent working, including commuting, and how much net income is earned. This reflection helps identify the balance between work and personal enjoyment. Understanding Life's Obligations: Recognise the time consumed by family responsibilities and chores, which can limit personal enjoyment. It's important to differentiate between obligatory tasks and leisure activities. Financial Awareness: Calculate monthly expenses, including housing, food, and transportation, to understand the financial constraints faced. Many families find that their income barely covers essential living costs, leaving little for discretionary spending. The Importance of Financial Freedom: The discussion emphasises the need to create additional income streams to escape the cycle of working solely to meet basic needs. This can lead to a more fulfilling and less stressful life. BEST MOMENTS"These questions are designed to help you get a really good close look at your current situation, to help you square up and take a good look in the face at what's going on in your world right now." "How much time do you have to enjoy your life aside from working and after all usual family activities and personal responsibilities?" "It's quite shocking when you start to really take a good look at it and go, what the heck is going on? I'm in this zone of earning, working, paying for things, doing everything I need to do to just exist." VALUABLE RESOURCES Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances... https://www.the-freedom-club.com/financial-freedom-spreadsheet-landing-page ABOUT THE HOST Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free.  She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn’t JUST come from being financially independent… Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'.  During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest.

In this special Christmas edition of The Wealth Whisperer, Hazel explores the transformative power of giving and its profound impact on wealth and well-being. Emphasising the ancient tradition of tithing and the spiritual significance of generosity, the episode features powerful quotes from notable figures like Saint Francis of Assisi and Winston Churchill. Hazel discusses how giving fosters a sense of abundance, opens the heart, and creates a positive energy exchange between the giver and receiver.  KEY TAKEAWAYS The Power of Giving: Giving is recognised as a powerful principle that enhances both personal well-being and the well-being of others. It fosters a sense of abundance and love, which can transform one's perspective on life. Abundance Mindset: Embracing an abundance mindset, even in times of scarcity, can shift your feelings and open your heart. Recognising the support and care received throughout life can help cultivate this mindset. Different Forms of Giving: Giving is not limited to monetary donations; it can include time, knowledge, kindness, and even simple gestures like a smile. Each act of giving contributes positively to both the giver and the receiver. The Ripple Effect of Kindness: Small acts of kindness can have far-reaching effects, as illustrated by the "Pay It Forward" principle. Engaging in acts of generosity can create a cycle of compassion and gratitude. BEST MOMENTS"For it is in giving that we receive." — Saint Francis of Assisi "The sole meaning of life is to serve humanity." — Leo Tolstoy "If you want happiness for a lifetime, help somebody." — Chinese proverb "What giving does in my estimation is it proves the principle of abundance." VALUABLE RESOURCES Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances... https://www.the-freedom-club.com/financial-freedom-spreadsheet-landing-page ABOUT THE HOST Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free.  She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn’t JUST come from being financially independent… Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'.  During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest.  

In this thought-provoking episode of The Wealth Whisperer, Hazel explores the concept of "financial shifting sands," drawing parallels between the ever-changing nature of desert landscapes and our financial situations. The discussion emphasises the importance of recognising that income, job security, and economic conditions are in a constant state of flux. KEY TAKEAWAYS Financial Shifting Sands: Life and financial situations are constantly changing, much like shifting sands in a desert. It's important to acknowledge that nothing remains the same forever, including income, job security, and financial markets. Income Awareness: Be mindful of your income sources, as job stability can fluctuate due to various factors such as redundancies or changes in government policies. It's crucial to stay prepared for potential shifts in your financial situation. Banking Risks: Understand the implications of bank bail-ins, where depositors' funds may be used to support failing banks. It's advisable to ensure that your deposits are covered by financial compensation schemes and to diversify your funds across different banks. Pension Management: Regularly review your pension pot to ensure it is on track to provide sufficient income for retirement. Be proactive in seeking better-performing options and do not solely rely on state pensions. BEST MOMENTS"Nothing ever does stay the same. Even moment by moment, things change in our experience." "You become a creditor to the bank. That money goes into the bank, the bank lends it elsewhere." "You need to keep an eye on things and keep open for anything that may affect our financial situation." "It's good to acknowledge and know how that's going to affect you. Don't just bury your head in the sand." VALUABLE RESOURCES Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances... https://www.the-freedom-club.com/financial-freedom-spreadsheet-landing-page ABOUT THE HOST Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free.  She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn’t JUST come from being financially independent… Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'.  During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest.

In this episode, Hazel delves into the crucial topic of financial responsibility and the concept of financial power. Emphasising that finances are always your responsibility, regardless of your current situation, the discussion explores various ways individuals may inadvertently give away their financial power.  KEY TAKEAWAYSPersonal Responsibility for Finances: Taking responsibility for your financial situation is crucial, regardless of whether you are in debt or have significant assets. The more control you take over your finances, the better your outcomes will be. Recognizing Power Loss: Individuals often give away their financial power through various means, such as lack of knowledge, poor planning, comparison with others, and reliance on partners or financial institutions. It's important to identify these behaviours to regain control. Understanding Debt: Differentiating between good debt (which generates income) and bad debt (which incurs expenses) is essential. Bad debt can significantly diminish your financial power. Caution with Financial Advisors: When working with financial institutions or advisors, it's vital to conduct thorough research and maintain an understanding of your investments. Relying too heavily on others can lead to significant financial losses. Pros and Cons of Delegating Financial Control: While delegating financial management can provide time freedom and potential passive income, it also comes with risks, such as losing control and being vulnerable to exploitation. Always weigh these factors before deciding to give away financial power. BEST MOMENTS"Regardless of your situation, they are always your responsibility." "Comparison is the thief of all progress. What you have and what you do is your business." VALUABLE RESOURCES Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances... https://www.the-freedom-club.com/financial-freedom-spreadsheet-landing-page ABOUT THE HOST Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free.  She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn’t JUST come from being financially independent… Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'.  During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest. CONTACT METHODS WebsiteInstagram

In this episode of The Wealth Whisperer, Hazel delves into the myth that true wealth is merely about accumulating a large sum of money. Instead, she emphasises that real wealth equates to freedom—the ability to do what you want, when you want, with whom you want. Drawing from her 25 to 30 years of experience in financial education and property investment, she introduces the concept of generating multiple streams of income as the key to achieving this freedom.  KEY TAKEAWAYSTrue Wealth Equals Freedom: Real wealth is not just about accumulating money; it is about having the freedom to do what you want, when you want, and with whom you want. Diversifying Income Streams: To achieve financial freedom, it is crucial to create multiple streams of income rather than relying solely on earned income from a job. This can include investments, property, or other business ventures. Income as a River: Visualize your income as a river that flows in and out of your life. If you only have one source of income, it can dry up quickly, leaving you vulnerable. Multiple income streams ensure a steady flow. Passive Income is Essential: Generating income while you sleep is vital for long-term financial security. Without passive income, you may find yourself working indefinitely without the ability to retire comfortably. BEST MOMENTS"The key to creating true wealth is not to accumulate a great big pile of money." "Real wealth comes from being able to do what you want, when you want, with whom you want." "If you don't find a way to make money while you sleep, then you will work until you die." "Each and every property in our portfolio is a stream of income. It's a mini business." VALUABLE RESOURCES Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances... https://www.the-freedom-club.com/financial-freedom-spreadsheet-landing-page ABOUT THE HOST Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free.  She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn’t JUST come from being financially independent… Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'.  During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest. CONTACT METHODS WebsiteInstagram

In this episode of The Wealth Whisperer, Hazel delves into the essential concept of positioning oneself for wealth creation. Emphasising the importance of taking consistent and considered action, the discussion highlights various avenues for building wealth, including entrepreneurship, stock market investments, property portfolios, and cryptocurrencies. Hazel shares personal experiences and insights on leveraging time and resources effectively, while also addressing the significance of patience in the wealth-building journey.  KEY TAKEAWAYS Positioning for Wealth: To become wealthy, it's essential to position yourself in front of opportunities and take relevant, considered actions. Simply reading books or attending courses is not enough; action is crucial. Patience is Key: Wealth creation requires patience. Whether in property, stocks, or cryptocurrencies, understanding that significant gains take time is vital. Quick schemes often lead to losses, emphasizing the importance of a long-term perspective. Leverage and Time: Utilizing leverage (like mortgages) and allowing time to work in your favor can significantly enhance wealth-building efforts. Over time, investments can grow substantially, leading to a self-sustaining portfolio. Consistent Investment: Regularly investing small amounts into funds or assets, such as index trackers or cryptocurrencies, can lead to substantial growth over time due to the compounding effect and dollar-cost averaging. Wealth Being: Cultivating a sense of "wealth being" involves feeling proactive about your financial future. This mindset can enhance your investment experience and contribute to overall growth, allowing you to enjoy life while building wealth. BEST MOMENTS"The most important thing that we can do to help ourselves to become wealthy is to learn how to do it." "There are very very few, if any, real get-rich-quick schemes. They just are false." "Time has been the most powerful aspect of our journey. Because over the years, time, as well as leverage, has allowed the portfolio to grow." VALUABLE RESOURCES Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances... https://www.the-freedom-club.com/financial-freedom-spreadsheet-landing-page ABOUT THE HOST Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free.  She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn’t JUST come from being financially independent… Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'.  During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest. CONTACT METHODS WebsiteInstagram

In this episode, Hazel shares her personal journey towards financial and lifestyle freedom, reflecting on her early career as a music teacher and the feelings of being trapped by her circumstances. Hazel discusses her initial aspirations to create wealth through various ventures, particularly in property, and the lessons learned along the way, including the importance of cash flow over ego-driven goals. After achieving financial independence, she found herself feeling trapped again due to the demands of her coaching business. This led her to explore the true meaning of freedom and the necessity of inner work to cultivate a sense of freedom from within.  KEY TAKEAWAYSInner Freedom is Essential: True freedom comes from within, and it's important to focus on cultivating a sense of freedom and well-being internally before expecting external circumstances to change. Shift in Focus: Concentrating on what makes you feel good and engaging in activities that promote joy and abundance can positively influence your outer life circumstances. Financial Independence vs. Time Independence: Achieving financial independence does not automatically equate to having the freedom to spend your time as you wish; it's crucial to also prioritize time independence. Small Daily Actions Matter: Incorporating one to three small actions each day that evoke feelings of freedom, joy, or abundance can significantly enhance your overall sense of well-being. Continuous Self-Discovery: The journey towards freedom and fulfillment is ongoing, requiring regular reflection and adjustments to align with your true desires and values. BEST MOMENTS"I could sense in myself that I was not happy or satisfied with that as a continued life experience." "What I've discovered is that it's an inside job. That sense of freedom has to come from within." "You can't worry your way to wealth, right? You have to build your way to wealth and freedom from that good feeling place." VALUABLE RESOURCES Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances... https://www.the-freedom-club.com/financial-freedom-spreadsheet-landing-page ABOUT THE HOST Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free.  She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn’t JUST come from being financially independent… Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'.  During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest. CONTACT METHODS WebsiteInstagram

In this episode, Hazel delves into the intriguing question of whether house price inflation is a con. Drawing from personal experiences as a property investor and coach, the discussion highlights the historical context of house price growth and its implications for today's market. Hazel examines the disparity between house prices and real wages, the role of the "Bank of Mum and Dad" in helping younger generations enter the property market, and the impact of inflation on perceived property value.   KEY TAKEAWAYS House Price Inflation vs. Real Value: While house prices may appear to be increasing, the real value of housing has not significantly risen since 2007 when adjusted for inflation. Affordability Crisis: The gap between house prices and earnings has widened, with current house price-to-earnings ratios being around six to eight times the average salary. Leverage in Property Investment: Leveraging properties can significantly increase potential profits. For example, spreading investment across multiple properties can yield higher returns compared to investing in a single property without a mortgage. Market Predictions: Predictions for future house price growth vary, with some forecasts suggesting a modest increase of 4% over the coming years, while others. Strategic Buying: Successful property investment requires careful purchasing strategies, such as buying below market value or in areas with strong growth potential.   BEST MOMENTS "Is house price inflation a bit of an illusion? The real rate of house price growth has slowed down dramatically in the last four years." "The affordability, therefore, is not there like it used to be... 57% of all mortgaged first-time borrowers last year used the Bank of Mum and Dad." "In real terms, prices are still lower than they were in 2007... house prices compared to inflation... they're not worth any more than they were in 2007." "You have to buy correctly and not just rely on the fact that house prices are going to keep going up in value." "It is, in my mind, still a fantastic time to get into the market... understanding the market conditions and buying correctly."   VALUABLE RESOURCES Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances... https://www.the-freedom-club.com/financial-freedom-spreadsheet-landing-page   ABOUT THE HOST Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free.  She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn’t JUST come from being financially independent… Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'.  During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest. CONTACT METHODS WebsiteInstagram

In this episode, Hazel draws a captivating analogy between gardening and wealth creation, illustrating how both require careful preparation, nurturing, and patience. The discussion begins with the Hazel's admiration for her mother's exceptional gardening skills, leading to insights on establishing a solid financial foundation akin to preparing soil for planting. Hazel emphasises the importance of seeking expert advice, tending to investments with love and care, and understanding that growth takes time.  KEY TAKEAWAYS Foundational Preparation: Just like preparing a garden involves tilling the soil and understanding the right conditions for planting, establishing a solid financial foundation is crucial for wealth creation. This includes assessing your current financial situation and seeking expert advice. Patience is Essential: Growing both a garden and wealth takes time. It's important to trust the process and allow investments to mature without constantly checking for immediate results. Patience is key to seeing long-term growth. Tending and Nurturing: Regularly tending to your investments, much like caring for plants, is vital. This includes monitoring progress, making adjustments, and ensuring that the right conditions are maintained for growth. Weed Management: Just as a gardener must remove weeds and protect plants from pests, individuals should be vigilant against negative influences and distractions that can hinder financial growth. This involves doing due diligence and maintaining a positive mindset. Passion and Purpose: Engaging in financial activities that resonate with personal interests and passions can lead to greater success. Investing time and energy into areas you care about will enhance your commitment and drive for achieving financial goals. BEST MOMENTS "Wealth creation is exactly like growing a garden... it's the same process and it's the same concept." "If you don't do this bit, your finances are not going to grow unless you get this bit right." "It takes time for the roots to grow... you just let it do its thing." "The key is to do the groundwork, to put the right seeds in, and allow or provide the right circumstances for that investment to grow." "You need to have somebody who cares, who knows what they're doing and who can give you the best of their time and their knowledge."   VALUABLE RESOURCES Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances... https://www.the-freedom-club.com/financial-freedom-spreadsheet-landing-page   ABOUT THE HOST Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free.  She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn’t JUST come from being financially independent… Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'.  During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest. CONTACT METHODS WebsiteInstagram

In this episode, Hazel explores the "six steps to financial well-being," guiding listeners through a journey from financial ignorance to financial freedom. The discussion starts with the importance of financial awareness, emphasising the need for individuals to understand their financial situations. Each step is covered, from becoming aware of financial ignorance and developing awareness, to taking responsibility for one's finances, achieving stability, and ultimately reaching independence and freedom. The host encourages listeners to reflect on their current financial status and offers a valuable resource, the Financial Freedom Spreadsheet, to help them gain clarity and take actionable steps towards improving their financial health. This episode is a call to action for anyone looking to enhance their financial literacy and well-being. KEY TAKEAWAYS Six Steps to Financial Well-Being: The episode outlines a framework consisting of six steps to achieve financial well-being, encouraging listeners to assess their current position and identify areas for improvement. Financial Ignorance: The first step is financial ignorance, where individuals may be unaware of their financial situation, leading to stress and a lack of resources for essentials and luxuries alike. Importance of Financial Awareness: Moving to financial awareness is crucial. Utilizing tools like the Financial Freedom Spreadsheet can help individuals gain a clear understanding of their income, expenses, and potential savings. Taking Financial Responsibility: The third step involves taking action based on financial awareness. This includes making small, incremental changes to improve financial situations, such as negotiating lower interest rates on debts. Achieving Financial Freedom: The ultimate goal is financial freedom, which allows individuals to live life on their own terms without the constraints of financial stress, enabling them to choose how they spend their time and resources. BEST MOMENTS "The first step moving from financial ignorance to financial awareness is absolutely key and the most important thing to do." "Financial ignorance means that they don't, they're not aware of the situation that they're creating for themselves and they're not aware of how to actually get out of it." "It's those little incremental shifts that make all the difference." "Financial independence means that you have to then put in place and build a pot of assets that are going to start to pay you." "Financial freedom to me means the ability to do what you want, when you want, with whom you want."   VALUABLE RESOURCES Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances... https://www.the-freedom-club.com/financial-freedom-spreadsheet-landing-page   ABOUT THE HOST Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free.  She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn’t JUST come from being financially independent… Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'.  During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest. CONTACT METHODS WebsiteInstagram

In this episode, Hazel delves into the concept of "putting yourself in the way of success," emphasizing the importance of actively seeking opportunities and taking calculated risks to achieve financial freedom and personal fulfilment. Hazel highlights the necessity of commitment, delayed gratification, and self-belief, encouraging listeners to embrace challenges and learn from failures as valuable feedback. Hazel shares personal anecdotes about their journey to success, illustrating how early investments and a willingness to adapt have led to significant life changes.   KEY TAKEAWAYS Success requires active participation. You need to seek opportunities, take risks, and be committed to your goals to create the conditions for success. Achieving financial freedom often involves years of hard work and sacrifice. It's essential to prioritize long-term goals over immediate pleasures to build a solid foundation for your future. Self-belief is crucial. Recognize your worth and don't settle for less. Surround yourself with positivity and seek out opportunities that align with your aspirations. Continuously develop your skills and be open to new challenges. A healthy attitude towards risk and a willingness to learn from failures are vital for growth. Maintaining both physical and mental health is essential for sustaining your journey towards success.   BEST MOMENTS "Success doesn't just tend to happen. It involves you putting yourself out there in some way." "You have to be putting yourself out there in order to win the game." "There is no such thing as failure, just feedback." "If you feel you're being undervalued... you must make sure that you seek and search out the opportunities that are going to bring you that sense of worth." "Don't define your self-worth by your work. Some ideas will work, some won't. You just gotta dust yourself off and go again."   VALUABLE RESOURCES Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances... https://www.the-freedom-club.com/financial-freedom-spreadsheet-landing-page   ABOUT THE HOST Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free.  She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn’t JUST come from being financially independent… Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'.  During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest. CONTACT METHODS WebsiteInstagram

In this episode, Hazel delves into the pressing economic challenges many are facing today, particularly the impact of high inflation and rising costs of living. With a focus on the financial squeeze experienced by individuals and families, the discussion highlights the significant devaluation of currencies and the soaring prices of essential goods and services. Hazel also explores the paradox of large corporations, especially energy companies, reporting substantial profits while consumers struggle. Hazel encourages awareness and informed decision-making to navigate these turbulent times effectively, setting the stage for a follow-up episode on house price inflation and its relation to the broader economy.   KEY TAKEAWAYS Inflation has significantly decreased the purchasing power of currencies, with the UK pound losing about 20-25% of its value over the last four years. While inflation can erode the real value of debt, making it easier for borrowers to manage their loans, the overall economic environment remains challenging due to rising costs and interest rates. Central banks may resort to quantitative easing to stimulate the economy by increasing the money supply. However, this practice can lead to currency devaluation. The UK's national debt is currently equivalent to its GDP, which is a concerning statistic. Comparatively, other countries like the US and Japan have even higher debt-to-GDP ratios. Interest rates have been rising rapidly, creating a cyclical effect where governments must refinance their debt. This cycle can impact personal finances, especially for those with mortgages or investment properties.   BEST MOMENTS "There has definitely been a massive tightening of belts that's had to be done over the last few years." "Not only has your pound gone down in value, things have become more expensive by X amount." "The UK currently, compared to its gross domestic product, is a hundred percent in debt. I mean, that's insane." "Quantitative easing... is literally plucking money out of the air out of the ether; it's not backed by anything." "We need to really take stock and think: are our house prices being artificially inflated?"     VALUABLE RESOURCES Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances... https://www.the-freedom-club.com/financial-freedom-spreadsheet-landing-page ABOUT THE HOST Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free.  She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn’t JUST come from being financially independent… Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'.  During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest.

In this episode, Hazel explores the importance of creating space in our lives for reflection and self-discovery. Emphasizing the need to step back from daily responsibilities and the chaos of life, she shares personal experiences of finding freedom and clarity through moments of solitude, such as dog walks and retreats. Hazel highlights how taking time to check in with oneself can lead to a deeper understanding of one’s feelings and thoughts, ultimately guiding better decision-making. KEY TAKEAWAYS Creating space in your life, whether through daily practices like walking or through retreats, is essential for self-reflection and personal growth. It's crucial to take time each day to check in with yourself, assess your feelings, and allow your thoughts to surface, which can lead to clarity and a sense of calm. Often, our minds can complicate decision-making by getting stuck in past patterns. Tuning into your inner self can provide clearer insights and guidance. By regularly reconnecting with your core self, you can access a sense of peace, abundance, and love, which is vital for making informed life choices. Taking time to reset and reflect allows you to approach challenges from a more centered and proactive mindset, rather than reacting out of stress or confusion. BEST MOMENTS "Creating a bit of space in your world to take stock of what's going on, to reflect on what's happening, and just to, I guess, come back to yourself." "The most important gift we can give to ourselves is the gift of space." "Thinking and allowing the thinking to subside and sink down and coming back to your centre... is all important when it comes to clarity and the ability to move forwards." "It's so important to remind, re-mind yourself of this on a really regular basis, every single day." "By doing this, I find that it can just give you that totally different perspective on what's going on for you." VALUABLE RESOURCES Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances... https://www.the-freedom-club.com/financial-freedom-spreadsheet-landing-page     ABOUT THE HOST Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free.  She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn’t JUST come from being financially independent… Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'.  During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest. CONTACT METHODS WebsiteInstagram

In this episode, Hazel delves into the profound impact of influences in our lives, particularly focusing on the people we surround ourselves with. Using a personal anecdote about a friend from the Freedom Club, she highlights how positive influences can encourage financial growth and risk-taking, while negative influences can hinder personal development. Hazel emphasizes the importance of being mindful about our social circles and the conversations we engage in, as they shape our beliefs and outcomes. KEY TAKEAWAYS The people you surround yourself with significantly impact your mindset, financial decisions, and overall life trajectory. Choosing your social circle wisely can lead to personal growth and new opportunities. Early influences, particularly from parents, play a crucial role in shaping financial habits and attitudes towards money. Positive teachings about budgeting and saving can set a strong foundation for future financial behavior. Engaging with diverse groups, such as the Freedom Club, can help individuals become more comfortable with taking calculated risks, which is essential for building wealth and achieving personal goals. Young people are highly impressionable and absorb the behaviors and attitudes of their peers. Positive or negative influences can significantly affect their development and decision-making processes. It is important to consciously evaluate and choose the influences in your life. Recognizing the impact of external factors allows individuals to make informed decisions about their relationships and environments, ultimately leading to a more fulfilling life. BEST MOMENTS "Who do you surround yourself with? That’s a thought-provoking question about the influences in our lives." "If we can choose carefully who we surround ourselves with, our mindsets can shift as a result of that." "Certain influences can drag you down. It's up to you to really see that and make the choice for yourself." "You can either choose to be a victim to those influences or you can make a different choice." "It's about having those nurturing, developing conversations. Sometimes the tough conversations can help you grow even more." VALUABLE RESOURCES Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances... https://www.the-freedom-club.com/financial-freedom-spreadsheet-landing-page ABOUT THE HOST Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free.  She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn’t JUST come from being financially independent… Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'.  During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest. CONTACT METHODS WebsiteInstagram

In this episode, Hazel, a financial and wealth coach, delves into the world of cryptocurrencies, emphasising her growing relevance in today's financial landscape. With a clear disclaimer that the discussion is based on personal experience rather than financial advice, Hazel explores the dichotomy between centralised and decentralised finance, highlighting the potential impact of central bank digital currencies (CBDCs). Drawing on personal anecdotes and lessons learned from their own investment journey, Hazel encourages listeners to educate themselves about cryptocurrencies and consider allocating a portion of their net worth to this evolving space. The episode underscores the importance of calculated risk-taking and the potential for significant financial opportunities, likening the current cryptocurrency landscape to the early days of the internet and the stock market. KEY TAKEAWAYS Understanding Cryptocurrencies: Cryptocurrencies are a significant and evolving part of the financial landscape, and it's essential to educate oneself about them, regardless of personal opinions or past experiences. Centralized vs. Decentralized Finance: There are two main camps in the cryptocurrency world: centralized finance, which is controlled by banks and exchanges, and decentralized finance, which offers transparency and control over transactions. Investment Strategy: It's advisable to allocate a small percentage (e.g., 5%) of your overall net worth to cryptocurrencies, treating it as a long-term investment rather than a get-rich-quick scheme. Learning from Experience: Engaging in the cryptocurrency market involves a learning curve, where one must navigate the highs and lows, take profits at the right time, and avoid overexposure to any single asset. The Importance of Taking Risks: The biggest risk in life is not taking any risks at all. Exploring opportunities in cryptocurrencies or other investments can lead to significant financial growth if approached with education and calculated risk.   VALUABLE RESOURCES Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances... https://www.the-freedom-club.com/financial-freedom-spreadsheet-landing-page ABOUT THE HOST Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free.  She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn’t JUST come from being financially independent… Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'.  During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest. CONTACT METHODS WebsiteInstagram

In this episode, Hazel interviews Gavin Watson, who shares his inspiring journey to becoming a successful business strategist and consultant. After experiencing redundancy during the financial crash of 2008, Gavin reflects on the pivotal moments that led him to seek greater freedom and control over his life. He discusses the challenges he faced while transitioning into entrepreneurship, including the ups and downs of building multiple income streams and the importance of resilience. Gavin also highlights his passion for helping others, including his plans to launch a charity aimed at providing emergency accommodation for those in need.  KEY TAKEAWAYS The journey from a corporate role to running a business often stems from a desire for freedom and control over one's destiny. Experiencing redundancy can serve as a catalyst for individuals to pursue their passions and create alternative income streams. Facing challenges, such as a breakup or financial difficulties, can lead to significant personal growth. Recognizing one's resilience can empower individuals to navigate future obstacles with confidence and determination. Building strong relationships and rapport with others is crucial in both personal and professional settings. Listening and understanding others' needs can enhance collaboration and lead to successful outcomes. Freedom evolves over time; it shifts from the ability to travel and enjoy leisure to making impactful life choices that benefit not only oneself but also others. True freedom is about having the capacity to help and influence those around you positively. The rise of online bullying and negativity can deter individuals from sharing their voices. Understanding that hurtful comments often stem from the commenter’s own issues can help individuals maintain their confidence and continue to express themselves authentically. BEST MOMENTS "I realized from then, because I was the first one in the office, the last one to leave... it doesn't matter what you do, if they need to get rid of you, you do then become a number at the end of the day." "I took £6,000 and I turned that into about £80,000 within the space of about sort of five, six months." "I want to try and build something to show that people do this because of issues in their own lives. It's not about you personally." "For me, freedom now is more about being able to help those around or being in a position that I can influence or do something that could make other people's life a little more free." VALUABLE RESOURCES Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances... https://www.the-freedom-club.com/financial-freedom-spreadsheet-landing-page ABOUT THE HOST Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free.  She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn’t JUST come from being financially independent… Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'.  During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest. CONTACT METHODS WebsiteInstagram

In this episode, Hazel shares her passion for the challenges faced by property owners, particularly in light of recent tax changes and interest rate hikes. Using a personal example of a six-bedroom Victorian HMO property in Sheffield, she discusses how her once profitable investment has turned into a financial burden due to the inability to offset mortgage interest against rental income and the impact of rising interest rates.   KEY TAKEAWAYS The introduction of Section 24 has significantly affected landlords by limiting the ability to deduct mortgage interest from taxable income, particularly impacting higher rate taxpayers.   A series of interest rate hikes over the past couple of years has transformed previously profitable properties into financial burdens, highlighting the importance of monitoring cash flow.   Regularly assessing the financial performance of rental properties is crucial. The example shared illustrates how a property that once generated positive cash flow can turn into a loss, necessitating a reevaluation of its viability.   Landlords facing negative cash flow have options, such as selling the property or refinancing to a fixed-rate mortgage, but each choice comes with its own set of challenges and considerations.   The exit of many landlords from the rental market has led to a decrease in available rental properties, contributing to rising rents and creating a challenging environment for both landlords and tenants.   BEST MOMENTS   “You know, we are a business at the end of the day, we are not a charity. And yes, we've had the heydays, we have had the high times, and now we're experiencing the lower times.”   “It just makes you wonder: Why are they creating this impossible situation for landlords? Literally landlords have been exiting the market in droves over the last few years. and you know that's why rents are going sky high, because the amount of supply of decent properties has gone massively down.”   “It seems like perhaps selling up, getting a decent chunk of money back and investing elsewhere is perhaps the better option at the moment.”   “If you do own property, make sure you're looking at the bottom line, not just the top line figure of what the rent is coming in minus various bits and pieces, expenses, what have you. Make sure that you're getting the real bottom line figures.”   VALUABLE RESOURCES   Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances...   https://www.the-freedom-club.com/financial-freedom-spreadsheet-landing-page     ABOUT THE HOST   Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free.   She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn’t JUST come from being financially independent…   Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'.   During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest.   CONTACT METHODS WebsiteInstagram