Starting Strong with your Finances in 2022
The start of a new year is a great opportunity to reflect/reset/recharge – it is a perfect time to check in on your finances and to get a goal or multiple goals in place. In this episode, I share with you some of my top wealth-building strategies that are EASY to implement right now! Let’s make 2022 your most prosperous year yet!
About the Host:
I am a financial professional, who specializes in helping people to achieve their financial goals. My absolute passion is creating new possibilities in people’s lives by showing them the ropes when it comes to money. I’m here to spark healthy and positive conversations around wealth and investment and create a world where nobody is limited by their financial situation. I believe this begins with education and shifting our relationships with money. I love getting to witness people achieving their most ambitious goals and creating new possibilities for themselves and their families!
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Email: kalee.boisvert@raymondjames.ca
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Transcript
Welcome to the wealth and wellness podcast with
Kalee Boisvert:me Kaylie Bob air, I specialize in helping people to achieve
Kalee Boisvert:their financial goals. I have a love for all things numbers, and
Kalee Boisvert:I'm passionate about financial literacy. My goal is to spark
Kalee Boisvert:healthy and positive conversations around wealth and
Kalee Boisvert:investment, and create a world where nobody is limited by their
Kalee Boisvert:financial situation. But wealth is just one piece of the
Kalee Boisvert:equation of living our best lives. So join me as we explore
Kalee Boisvert:both wealth and wellness topics. From your net worth to your self
Kalee Boisvert:worth, get ready to take confident action. Hello, this is
Kalee Boisvert:Kaylee. And thank you for listening to this episode of the
Kalee Boisvert:wealth and wellness podcast. So appreciative of having you share
Kalee Boisvert:your time to listen to this. And today's episode, hopefully
Kalee Boisvert:you're gonna find a lot of value in it. It's all about setting
Kalee Boisvert:you up for a strong financial 2022. So again, I think this is
Kalee Boisvert:really important, especially because we're starting a new
Kalee Boisvert:year. I like to think of the new year as a great point to
Kalee Boisvert:reflect, reset, recharge, and it really is a perfect time to
Kalee Boisvert:check in on your finances and get some goal or some goals in
Kalee Boisvert:place. And again, that reflection piece, I think it's
Kalee Boisvert:an opportune time to start a new year to take an honest look back
Kalee Boisvert:to reflect on the past year as well. And to really see, hey,
Kalee Boisvert:what worked, you know, what might I want to improve on going
Kalee Boisvert:forward. So using that reflection as an opportunity to
Kalee Boisvert:look back as something you're learning from. So not
Kalee Boisvert:necessarily, you're not using this as a form of criticizing or
Kalee Boisvert:shaming yourself, you're saying I'm looking back to gain
Kalee Boisvert:knowledge. So maybe it was that you blew through your holiday
Kalee Boisvert:budget, and you want to rein that in for 2022. Maybe you
Kalee Boisvert:spent more money on eating out than you realize, and you want
Kalee Boisvert:to scale back a little bit going into this year and be diligent
Kalee Boisvert:about you know, cooking your own meals at home and things like
Kalee Boisvert:that. Maybe you saved less than you would have hoped for. Or
Kalee Boisvert:maybe you weren't able to save any extra at all. And this is,
Kalee Boisvert:you know, again, a reminder for this year, hey, I wanted to save
Kalee Boisvert:money, I want to make sure that that is a priority for 2022.
Kalee Boisvert:Now, so again, you're just learning from this. And with
Kalee Boisvert:that knowledge, you can make any of the desired changes you would
Kalee Boisvert:like to so again, the knowledge that you gained from doing some
Kalee Boisvert:reflection is powerful, and it serves as you know, some course
Kalee Boisvert:correction to so we can, we can learn so much we can gain so
Kalee Boisvert:much from looking back as well. So it's all it's all good. It's
Kalee Boisvert:all learning experiences. And you know, we're not saying money
Kalee Boisvert:mistakes, we're just saying money lessons, you know,
Kalee Boisvert:experiences, and and there's value in that. So taking that
Kalee Boisvert:time to reflect. So in this episode, I want to share ideas
Kalee Boisvert:that will support you in starting off 2022 I would love
Kalee Boisvert:to see 2020 to be your most prosperous year yet. So let's
Kalee Boisvert:have that be the goal of today's episode. Okay, so the first idea
Kalee Boisvert:that I think would, that's gonna set you off with a strong start
Kalee Boisvert:for 2022. So first idea for this prosperous year, is to try
Kalee Boisvert:incorporating some no spend days into your weeks or your month.
Kalee Boisvert:So I honestly didn't know what a no spend day was up until a
Kalee Boisvert:couple years ago, which is probably a tad alarming, because
Kalee Boisvert:it tells you that maybe I have a tendency to find ways to spend
Kalee Boisvert:money. And so if you're the same as me or need some
Kalee Boisvert:clarification, so what are these no spend days? Well, they're
Kalee Boisvert:simply exactly as they're described, it means going a full
Kalee Boisvert:day without spending any money. So it was very easy to spend
Kalee Boisvert:money, all sorts of way to buy shop online. And again, which
Kalee Boisvert:makes it very easy to spend money it's not a hard task to
Kalee Boisvert:spend money.
Kalee Boisvert:Go anywhere with my daughter IV and it is very, very easy to
Kalee Boisvert:spend money. But have you ever challenged yourself to doing one
Kalee Boisvert:or more consecutive no spend days? If not, I would say the
Kalee Boisvert:start of this new year is a great time to take up the
Kalee Boisvert:challenge. So these no spend days it really helps to reset
Kalee Boisvert:your spending habits and it forces you to get intentional
Kalee Boisvert:with your money by having you stop and think asking yourself,
Kalee Boisvert:Do I really need this? Okay, so that's what no spend day can
Kalee Boisvert:really do for you. It's not just about You know, being cheap and
Kalee Boisvert:finding ways to not spend money, it's gonna force you to reflect
Kalee Boisvert:and think about, you know, where am I spending money, where is
Kalee Boisvert:all my money going to, and then maybe help you change some of
Kalee Boisvert:those habits that aren't serving, you are not in
Kalee Boisvert:alignment with where you want to see your money going. So if no
Kalee Boisvert:spending seem like a stretch for you, if you have never done them
Kalee Boisvert:in the past, try starting out with just one day a week, and
Kalee Boisvert:then maybe have a goal of increasing it by another extra
Kalee Boisvert:day, per month. And, again, this is really going to help shake up
Kalee Boisvert:some of your spending habits. So maybe you say this first month,
Kalee Boisvert:I'm going to have five no spend days and then next month, it's
Kalee Boisvert:going to be eight and, you know, on and on and on, the goal can
Kalee Boisvert:be whatever you want to set it as, but anything is going to
Kalee Boisvert:make a difference. Again, especially if it's not something
Kalee Boisvert:you've ever done or tried to challenge yourself to, it is a
Kalee Boisvert:really good thing to try. And the result of no spend days,
Kalee Boisvert:what does it mean? Well, it's more money in your pocket, which
Kalee Boisvert:means more money left for you. So I always remind people, you
Kalee Boisvert:know, if you're not giving your money away, and, and spending on
Kalee Boisvert:things, again, sometimes unnecessary purchases, it's just
Kalee Boisvert:more money for you more money left for you for your future,
Kalee Boisvert:for your goals for the big goals that you want to build upon.
Kalee Boisvert:That's what it means by not spending money by having these
Kalee Boisvert:no spend days. And it gets you thinking creatively too. So if
Kalee Boisvert:you're aiming for a no spend day, but you wanted to do an
Kalee Boisvert:activity with your kids, for instance, then you can, you
Kalee Boisvert:know, think of something that is a no cost sort of free adventure
Kalee Boisvert:activity to do and even get them involved in coming up with this
Kalee Boisvert:plan of hey, what are we going to do today, the challenge is,
Kalee Boisvert:we're not going to spend money, let's come up with, you know,
Kalee Boisvert:some adventures to go on. And it's fun to do those kind of
Kalee Boisvert:ideas and thinking outside of the box, especially if you're
Kalee Boisvert:getting your kids involved. It also helps you to, you know,
Kalee Boisvert:eliminate waste or use up the things you have. So maybe you're
Kalee Boisvert:you know, thinking I'm just going to order in tonight, it's
Kalee Boisvert:easier, I don't want to have to cook. But if you're having no
Kalee Boisvert:spend day sort of forces you to go to the fridge, look in the
Kalee Boisvert:freezer, see what you have what you can actually use up. So
Kalee Boisvert:there's lots of benefits to these no spend days, give it a
Kalee Boisvert:go, I highly recommend it. Another concept I want to
Kalee Boisvert:suggest for a strong financial 2022 is to focus on your net
Kalee Boisvert:worth instead of your debt. So the first reason I have for this
Kalee Boisvert:comes from an audio book I'm listening to so right now I'm
Kalee Boisvert:listening to a lot of material from Bob Proctor. And in this
Kalee Boisvert:specific audio book I really liked where he said, what you
Kalee Boisvert:focus on, you get more of so I'm not quoting directly. So sorry,
Kalee Boisvert:if I'm getting a little confused, but this is the
Kalee Boisvert:concept. So whatever you're focusing on, you're getting more
Kalee Boisvert:of. And that means if you spend your time focused on debt, guess
Kalee Boisvert:what? You will attract more debt into your life. So you know,
Kalee Boisvert:that's not good hearing that you're like, Nope, don't want
Kalee Boisvert:that. So if you have been focused on debt, try to change
Kalee Boisvert:that mindset and say and say and safe. Instead of focusing on
Kalee Boisvert:debt, I'm going to focus on building my net worth. So again,
Kalee Boisvert:my focus is on building my net worth, that's what you say to
Kalee Boisvert:yourself. Instead of saying, I need to pay down my debt, I need
Kalee Boisvert:to start eliminating my debt. Let's try to remove those words
Kalee Boisvert:from your vocabulary and say, I'm wanting to build my net
Kalee Boisvert:worth, I'm wanting to increase my net worth.
Kalee Boisvert:And this serves as another important purpose, which is
Kalee Boisvert:directing cash to where it's most productive. So oftentimes,
Kalee Boisvert:people that come to me and ask questions with what should I do
Kalee Boisvert:with my extra savings? So maybe they received a bonus from work
Kalee Boisvert:or an increase in pay or something like that. And they
Kalee Boisvert:asked, you know, should I use this towards my debt? Or should
Kalee Boisvert:I use this towards investing? Well, if the debt in question is
Kalee Boisvert:low interest debt, so for instance, maybe it's mortgage
Kalee Boisvert:debt, and it's a below a 3% rate, maybe it's student loan
Kalee Boisvert:debt, and again, it's around three or 4%. Or maybe it's
Kalee Boisvert:something like car financing where you bought a new car and
Kalee Boisvert:you got 0% financing. So then technically, if you have this
Kalee Boisvert:low interest rate dead, technically, you would be better
Kalee Boisvert:off to invest, because I'm just going off of past performance of
Kalee Boisvert:the US markets. They've returned on average 8% annually since the
Kalee Boisvert:1920s. So of course, I can't guarantee future returns and no
Kalee Boisvert:one can and there's no guarantee again, if that's what it's done
Kalee Boisvert:in the past until now There's no guarantee that that is the exact
Kalee Boisvert:return is going to continue on average per year. But based on
Kalee Boisvert:these past numbers, and again, that's a lot of data. So we're
Kalee Boisvert:saying from the 1920s, until now that you will have received over
Kalee Boisvert:8% on your investments. So based on being in a low interest rate
Kalee Boisvert:environment, you'd likely be better off to earn that 8% or so
Kalee Boisvert:as you would be outpacing your interest rate on the debt. And
Kalee Boisvert:again, depending on how much it is, you could be outpacing it by
Kalee Boisvert:5% plus, so again, more money in your pocket. So the math is
Kalee Boisvert:math, the math doesn't lie. I'm a numbers person, I look at
Kalee Boisvert:math. And I go, Well, this rate is you know, you have a car, and
Kalee Boisvert:some people go, I don't have a car payment, but I have 0%
Kalee Boisvert:financing? Well, I mean, can you get over the fact you have a car
Kalee Boisvert:payment, because it was 0%, you could be putting that money
Kalee Boisvert:elsewhere, earning any sort of return and outpacing the 0%
Kalee Boisvert:having more money at the end of the day. And then once you've
Kalee Boisvert:accumulated that, you can always take that and pay it down on the
Kalee Boisvert:car. Or, or again, just pay it off, eventually, when you're
Kalee Boisvert:making the car payments. So again, math is the math, math
Kalee Boisvert:doesn't lie. The numbers are what they are. But what happens
Kalee Boisvert:with money is many people will decide to go against the math
Kalee Boisvert:and they'll say, Well, I'm going to pay off my debt first. And
Kalee Boisvert:you know, again, it's it's a feeling or they maybe they just
Kalee Boisvert:don't like carrying debt, maybe they were taught by parents, you
Kalee Boisvert:know, it was drilled into them don't have debt, make sure you
Kalee Boisvert:get rid of debt like that was. Oftentimes I think,
Kalee Boisvert:generationally, what what we were taught about money is don't
Kalee Boisvert:carry debt. So if you're struggling, getting yourself to
Kalee Boisvert:follow the math, because again, I presented the math, the math
Kalee Boisvert:is playing symbol, do you want a percent,
Kalee Boisvert:or 3%? Well, if you can get eight, why focus on the three,
Kalee Boisvert:right. But if you're still struggling, instead of seeing
Kalee Boisvert:the debt as a separate entity, see it as it relates to your net
Kalee Boisvert:worth. So if you've listened to this podcast, you've heard me
Kalee Boisvert:talk about net worth many, many times. But just as a refresher,
Kalee Boisvert:what is net worth, it's your assets. So what you own, minus
Kalee Boisvert:your liabilities, what you owe, so all your assets, you can kind
Kalee Boisvert:of sum that up in one column, all your liabilities, what you
Kalee Boisvert:owe in one column, and assets minus the liabilities is your
Kalee Boisvert:net worth. So again, taking the word debt out of our vocabulary
Kalee Boisvert:and trying to get our head around that, where is my money
Kalee Boisvert:better put to use, instead of looking at debt, you look at
Kalee Boisvert:your net worth, then what you'd be doing is you'd be focused on
Kalee Boisvert:increasing your net worth. And how can you increase your net
Kalee Boisvert:worth, you can do it in one of two ways, you can increase your
Kalee Boisvert:assets, or you can decrease the liabilities. So again, the
Kalee Boisvert:mathematical equation being net worth equals assets minus
Kalee Boisvert:liabilities, as the asset number goes up that number, your your
Kalee Boisvert:total net worth is going to go up. And then also, as the
Kalee Boisvert:liabilities go down, that number is going to go up. So you don't
Kalee Boisvert:have to focus on the debt, you can focus on that assets column,
Kalee Boisvert:building your investment accounts, and the math is still
Kalee Boisvert:going to be in your favor, because you're going well, my
Kalee Boisvert:net worth is increasing, my assets are increasing. So assets
Kalee Boisvert:minus liabilities is now higher, again, so if you look at that,
Kalee Boisvert:this way, you can maybe say, hey, with that bonus I received
Kalee Boisvert:this year at work, I'm going to invest in my TFSA account My Tax
Kalee Boisvert:Free Savings Account, instead of paying off my car because my car
Kalee Boisvert:is a 2% interest rate. And that lump sum can, you know go
Kalee Boisvert:towards again, my TFSA, I can invest it. And then once I do
Kalee Boisvert:the net worth calculation, the number has increased, I haven't
Kalee Boisvert:paid down the debt of my car. With that money. Instead, I've
Kalee Boisvert:put it in the asset column, but the result is the same, my net
Kalee Boisvert:worth has increased. So again, if you can instead focus on that
Kalee Boisvert:full picture, your overall net worth and have the goal to be
Kalee Boisvert:increasing your net worth each year, then you might find that
Kalee Boisvert:you've now removed the focus off of debt. So you aren't calling
Kalee Boisvert:in more debt just like our you know, Bob Proctor has warned us
Kalee Boisvert:don't call in more of it. And you're also having mastered that
Kalee Boisvert:math assignment of choosing the option that works, that's going
Kalee Boisvert:to yield you the higher return number. So again, you're growing
Kalee Boisvert:your net worth even further by putting that money in the bucket
Kalee Boisvert:that's gonna earn you even more. So hopefully that makes sense.
Kalee Boisvert:And again, this is a very important concept and how I'm
Kalee Boisvert:hoping to help people get around that limiting belief and that
Kalee Boisvert:kind of that pull towards not having any Debt, instead of we
Kalee Boisvert:can look at it as I want to increase my net worth, I want to
Kalee Boisvert:constantly be increasing my net worth, then that will help you
Kalee Boisvert:get to the focus of what's going to increase my net worth faster
Kalee Boisvert:will putting that money towards a higher yielding investment is
Kalee Boisvert:going to increase the net worth number faster. The new year. So
Kalee Boisvert:that was my next point. Another one. So this is another ways to
Kalee Boisvert:be prosperous for 2022. So the new year is often when we think
Kalee Boisvert:of making RSP contributions here in Canada, so registered with
Kalee Boisvert:our RSP Registered Retirement Savings Plans. So you have the
Kalee Boisvert:first 60 days of 2022 to make a contribution for the 2021 tax
Kalee Boisvert:year. So I like to suggest that people use the Super Saver
Kalee Boisvert:strategy with your RSP contribution. So what is this
Kalee Boisvert:Super Saver strategy you might ask? Well, it consists of making
Kalee Boisvert:an RSP contribution prior to the deadline. And then when that
Kalee Boisvert:lovely tax return comes in as a result of your contribution, you
Kalee Boisvert:take that full refund, and you put it into your RSP or TFSA
Kalee Boisvert:account. So you've essentially double saved. So you're not just
Kalee Boisvert:taking the cash from your tax return that you got as a result
Kalee Boisvert:of making that contribution. And, you know, going down to
Kalee Boisvert:Vegas, and I'm just gonna gamble it away, put it all on read, it
Kalee Boisvert:was money I didn't have. And it's like a bonus that just
Kalee Boisvert:came, you know, from CRA, No, instead, we're looking at this
Kalee Boisvert:as a extra saving strategies. So we're putting the money away
Kalee Boisvert:money that you received from putting the money in the RSP. So
Kalee Boisvert:the double savings, by making your original contribution, you
Kalee Boisvert:received a return and then you saved the money you saved on
Kalee Boisvert:your taxes. And that is the super saving strategy. So that's
Kalee Boisvert:why I call it super saving strategy, because I feel like I
Kalee Boisvert:said the word saving over and over and over again. So that was
Kalee Boisvert:is what makes it a super saving strategy. Okay, another point or
Kalee Boisvert:idea for 2022. To make it the most prosperous year, start off
Kalee Boisvert:strong in your finances is all about being diligent with
Kalee Boisvert:spending. So I highly suggest you do try to track or take time
Kalee Boisvert:to be aware of your money and where it's going. If you don't
Kalee Boisvert:first see a way to increase your income, that is completely okay.
Kalee Boisvert:When we talk about building wealth and reaching your
Kalee Boisvert:financial independence and your retirement goals, oftentimes
Kalee Boisvert:people think well, I have to make more money, I'm not making
Kalee Boisvert:enough money to get myself there. Well, there's another
Kalee Boisvert:alternative for this, if you don't think you can get that
Kalee Boisvert:increase, maybe your company's not giving out pay increases or
Kalee Boisvert:something like that, and it just to you then feels like an
Kalee Boisvert:impossible goal to try to make well, there's another side to
Kalee Boisvert:that, and it's I'm saving more money. So again, if you can save
Kalee Boisvert:more money, that's also going to increase your net worth Yes,
Kalee Boisvert:making more money is going to do it as well. But people get too
Kalee Boisvert:hung up on that idea of thinking, you have to earn a
Kalee Boisvert:certain amount of income to build net worth or or build
Kalee Boisvert:your, you know, to get to that financial independence. And I
Kalee Boisvert:can tell you based on years of experience working with clients,
Kalee Boisvert:that there are people that I would say, have not made mass
Kalee Boisvert:amounts of money, you might look at their money, their yearly
Kalee Boisvert:income, and be quite surprised, based on where they've grown
Kalee Boisvert:their net worth to as a result, or as a result of of saving and
Kalee Boisvert:ongoing saving. And again, it's being diligent, and just
Kalee Boisvert:spending less finding ways to spend what less and then the
Kalee Boisvert:less you're spending, the more that you're saving. So I
Kalee Boisvert:honestly think that realistically, we could probably
Kalee Boisvert:all find ways to come back up, cut back sorry on some of the
Kalee Boisvert:unnecessary expenses and purchases. And again, just like
Kalee Boisvert:in the first point about no spend days, the gain is the
Kalee Boisvert:extra that you get to keep what you're not spending you get to
Kalee Boisvert:keep. So a common theme
Kalee Boisvert:that I see with clients that have been very successful in
Kalee Boisvert:their financial lives is that they do have a strong awareness
Kalee Boisvert:about their money and where their money is going. So knowing
Kalee Boisvert:what's coming in and knowing what's going out. Even wealthy
Kalee Boisvert:ultra wealthy people have that knowledge they don't just, you
Kalee Boisvert:know, decide that they don't have to track it or think about
Kalee Boisvert:it because they Have lots of money, They've tracked it and
Kalee Boisvert:thought about it. And that's how they've gotten to a point where
Kalee Boisvert:they've amassed a, you know, a very good amount of, of wealth
Kalee Boisvert:because of doing that behavior. So I know the word budget might
Kalee Boisvert:make, you want to just, you know, run the other way, maybe
Kalee Boisvert:you're like, well turn off the podcast, I don't want to hear
Kalee Boisvert:budgeting. And I feel the same way, like sometimes budgets,
Kalee Boisvert:just seeing them. And when you see like a super one time, like
Kalee Boisvert:online and something like that, it just, for me, it causes
Kalee Boisvert:stress. I'm like, Oh, they do that looks so organized and
Kalee Boisvert:fancy. But again, I'm not saying that you have to make this
Kalee Boisvert:wonderful spreadsheet and spend hours recording every dollar
Kalee Boisvert:spent. But I'm saying to, to be mindful, it's being mindful of
Kalee Boisvert:what's being spent, don't be in denial. Be aware, take time to
Kalee Boisvert:gain that awareness. I just watched the movie, on Amazon
Kalee Boisvert:Prime, it was called, I think it's called Queen pens, I might
Kalee Boisvert:have gotten that wrong. But it talking about this makes me
Kalee Boisvert:think of it in her line in the movie, where she says, Watch
Kalee Boisvert:your pennies, and the dollars will take care of themselves. So
Kalee Boisvert:that's what I think of when I think of saving money, spending
Kalee Boisvert:less being diligent about tracking. And I mean, if you've
Kalee Boisvert:seen the movie, I'm not going out. And I'm not telling you
Kalee Boisvert:that you have to go out and, you know, clip a whole bunch of
Kalee Boisvert:coupons and be a coupon and Queen. But there is power to
Kalee Boisvert:this statement that small amounts add up and small changes
Kalee Boisvert:to spending behavior do make a big difference. I was watching
Kalee Boisvert:the movie, and it kinda was glancing. And I'm part of it.
Kalee Boisvert:And it was so funny, because it was about like coupons. And
Kalee Boisvert:she's like, this makes me think of Gigi, that's our grandma. So
Kalee Boisvert:obviously, someone likes using coupons in the family. But yes,
Kalee Boisvert:again, it's it is being mindful, I do like that line, because it
Kalee Boisvert:does get you thinking that, that we do have control and ability
Kalee Boisvert:to build wealth, I think so much. So many people just think
Kalee Boisvert:it's out of our control and it's just not possible for you but
Kalee Boisvert:doing small amounts on a regular basis, saving money, putting it
Kalee Boisvert:away, having it compound is going to make a huge difference.
Kalee Boisvert:And again, that's not based on how much money you make that's
Kalee Boisvert:based on how much you're able to put away there's people that
Kalee Boisvert:make a lot of money and are still aren't able to put money
Kalee Boisvert:away and save and then you know, they're not even building their
Kalee Boisvert:their wealth. So again, being diligent about where money is
Kalee Boisvert:going is a very important part of that equation. Okay, and
Kalee Boisvert:finally, one that I really want to stress is so important when
Kalee Boisvert:it comes to wealth. And that's why I call this the wealth and
Kalee Boisvert:wellness podcast and I have such a focus on incorporating you
Kalee Boisvert:know, wealth and well being and investing in ourselves. Being
Kalee Boisvert:the you know, you are your most important asset. Don't
Kalee Boisvert:underestimate the power of investing in yourself, I truly
Kalee Boisvert:believe that one of the best investments you can make is in
Kalee Boisvert:you. So this year, I would love to urge you to have this focus
Kalee Boisvert:on designating the time and resources to yourself as well
Kalee Boisvert:not forgetting about you and investing in you. I am probably
Kalee Boisvert:one of the poster people for investing in yourself I've done
Kalee Boisvert:you know so many courses, education certificates, things
Kalee Boisvert:like that. I've worked with life coaches I go for you know, I do
Kalee Boisvert:the massages, the chiropractor, the natural path, the energy,
Kalee Boisvert:clear the all sorts of things. And again, I don't look back on
Kalee Boisvert:those and think of them as a waste of money. I don't think of
Kalee Boisvert:them as like I'm just throwing away money on all sorts of
Kalee Boisvert:things. I see these as investments and they helped me
Kalee Boisvert:to really be my best self and thrive and grow and in return
Kalee Boisvert:I'm able to thrive and grow in my business from that so being
Kalee Boisvert:my best self then reflects in my business and what I can
Kalee Boisvert:accomplish and my level of efficiency.
Kalee Boisvert:So this includes life experiences to don't
Kalee Boisvert:underestimate the value of amazing life experiences those
Kalee Boisvert:once in a lifetime experiences and adventures. checking off
Kalee Boisvert:dreams from your bucket list. Those are priceless things. And
Kalee Boisvert:I you know I learned that firsthand like I recently took
Kalee Boisvert:my daughter to Mexico and it was her first international trip and
Kalee Boisvert:I loved just seeing her in that experience. Like it's just she
Kalee Boisvert:was so you would just see your them taking it all in. And it's
Kalee Boisvert:it's also new and different and still when she hears someone
Kalee Boisvert:like mentioned Mexico on like TV or in passing she he perks up,
Kalee Boisvert:because it's like I've been there, I know about Mexico. So
Kalee Boisvert:it's, it's so cute to just see that. And again, it was I always
Kalee Boisvert:dreamed of being able to take my daughter on trips and go on
Kalee Boisvert:adventures with her. And now, she'll say things like, Let's
Kalee Boisvert:travel around the world, and I want to go to Hawaii and Paris.
Kalee Boisvert:And, and I love that, like, she's thinking big, and she's
Kalee Boisvert:dreaming big already. And it's gotten her mind, you know, going
Kalee Boisvert:thinking that way. And knowing that there are these
Kalee Boisvert:possibilities, and that you get to create the life of your
Kalee Boisvert:dreams and do the things you've always wanted to do. You know,
Kalee Boisvert:this is, we're given this one precious life, and we don't have
Kalee Boisvert:an endless amount of time here. So there's, you know, I highly
Kalee Boisvert:suggest and stress to that, you're making sure you're
Kalee Boisvert:investing in yourself and those, those experiences that you've
Kalee Boisvert:always dreamed of, and not putting them on the back burner
Kalee Boisvert:and pushing them off. Because I know we've had to do that for a
Kalee Boisvert:while now during COVID. And, and so hopefully, that it hasn't
Kalee Boisvert:changed that you are going to do those, maybe it's just delayed
Kalee Boisvert:them and push them out a bit further. But make sure you're
Kalee Boisvert:doing those things. I love having those conversations with
Kalee Boisvert:my clients of the big dreams and goals they have and what they're
Kalee Boisvert:planning to do with with their finances, that they've they've
Kalee Boisvert:been successful with their finances, they've done the right
Kalee Boisvert:things in the right behavior. And now they get to reap the
Kalee Boisvert:rewards of it. It's not because it's, it's work. And it takes
Kalee Boisvert:effort. And you have to have that that thing at the end that
Kalee Boisvert:makes it all worth it. And that's what that is. So make
Kalee Boisvert:sure that you're not under estimating that and make sure
Kalee Boisvert:you are doing those things to invest in you as well when it
Kalee Boisvert:comes to money and wealth. And that's all I have for you today.
Kalee Boisvert:Hopefully, again that you found value in this episode. And I'm
Kalee Boisvert:so appreciative of you joining me and listening in and I look
Kalee Boisvert:forward to delivering another hopefully valuable just as
Kalee Boisvert:valuable more valuable episode for next week. All right, thank
Kalee Boisvert:you so much and I will catch you all next episode.
Kalee Boisvert:I hope you found value in this episode. And because I'm such a
Kalee Boisvert:proponent of taking confident action, I want to pose a
Kalee Boisvert:question to you the listener. What is one action that you feel
Kalee Boisvert:inspired to take after listening to today's episode? If you enjoy
Kalee Boisvert:listening, please subscribe and share with your friends and
Kalee Boisvert:family. Thank you so much and I will catch you next time
