How Jackie Turned Her Dreams into Actions With a Financial Coach

Money Files

“I know what I want, but I don’t know how to get there.” When I first met Jackie, this was her story. She had dreams of investing in real estate and saving for her family’s future, but her scarcity mindset and emotional spending habits kept her from making progress on her goals. But through my work with her as her financial coach, Jackie has paid off $10k in debt, negotiated a raise, and fully adopted an abundance mindset.

In this episode, Jackie and I are chatting about how far she’s come in the year and a half since we started working together. She’s opening up about where she was two years ago, both financially and emotionally. We’re talking about how she broke her cycle of emotional spending and learned to save for her long-term goals.

In this episode, you’ll learn…

  • Where Jackie was financially and emotionally before we started working together [1:58]
  • How Jackie adopted an abundance mindset and learned to spend according to her values [3:28]
  • How to bring yourself back to earth when you’re caught up in emotional spending [8:32]
  • How an emergency fund gives you financial confidence and security [10:44]
  • Why putting purchases on your credit card isn’t necessarily a bad thing [13:52]
  • How to start saving for potentially large bills ahead of time [17:07]
  • Why coaching is worth the initial investment for the long term benefits [18:44]
  • How your spending and saving plan can help you live in alignment with your values [25:26]
  • Why your income doesn’t have to determine your financial situation [27:12]
  • The non-monetary benefits of coaching [33:05]
  • How Jackie has redefined herself financially following her divorce [38:40]
  • Why defining your values should be the first step on your financial journey [41:10]

If you’re ready to shift out of a scarcity mindset and into one of abundance through the help of a financial coach, tune in for this week’s episode.

Want to see results like Jackie’s? Apply for financial coaching with me and take the first step towards your bright financial future.

Do you love hearing about my client’s successes? Get Arlete’s experience with financial coaching here!

The Transcript for ” How Jackie Turned Her Dreams into Actions With a Financial Coach”:

Keina Newell [00:00:00] Hi and welcome to Money Files, I’m Keina Newell from Wealth Over Now. I work every day with professional women and solopreneurs to help them get out of financial overwhelm and shame so they can experience more flexibility and ease with their finances. Are you ready to gain confidence and learn to manage your finances intentionally? Tune in and grab financial tips that will help you master the way you think about and manage your finances. 

Keina Newell [00:00:33] Hi, welcome back to another episode of Money Files today, I’m here with my client, Jackie. Jackie and I actually worked together in August of 2020. I have to pause before I say years now because the last two years haven’t felt like a normal year, but I did a series, actually. I want to say at the end of 2020, and it was called, Where are they now? I did it in my Facebook group, and it was to capture and tell a story of like, Well, what happens after someone actually works with Keina? Like, do they maintain their results? Like, what really happens after you actually have a budget in place? Jackie and I have stayed in contact since we stopped working together in 2021. And I was telling guys, like Jackie, you have to come back on the podcast because she was on last year. I asked her to come back on because Jackie is not the same woman who reached out to me on Instagram on a random Saturday. And I say, What is that cashier line who was so financially stressed she wanted to, like, start coaching? I think if I had told her that I had a spot open at 1:00 p.m. that afternoon, she’d be like, Great, I’ll be there, let’s start. But hi Jackie, how are you?

Jackie [00:01:45] It’s very, very accurate and very funny because I remember that specific moment in time where I was at Sam’s with my mom and my daughter.

Keina Newell [00:01:58] Introduce, introduce yourself. I think I gave you a long intro, but I wanted to make sure I captured that.

Jackie [00:02:03] No. Yeah, my name is Jackie. I worked with you. I think it’s been. What about a year now? So about a year and a half? 

Keina Newell [00:02:13] Oh, since our last coaching call?

Jackie [00:02:14] Yeah, yeah, yeah. So I’m a year out and I think everything’s going pretty well now. I’m in a spot where I’m actually thriving, I would say. And when we first met, I would say that I was spiraling. And then this past year, kind of just surviving. And now here I am thriving. I love it. 

Keina Newell [00:02:38] Tell us, like, just tell us, like, really? Where were you when we first started working together that you were driving me on a Saturday at Sam’s?

Jackie [00:02:45] I had just gone through a divorce. I was going through a pretty tough, emotional time with my ex husband. My finances were just a mess. I had just purchased a house. I was in significant debt, significant consumer debt. I wasn’t making a whole lot of money. I didn’t like my job. I didn’t really know how to get out of debt, and I thought it was just basically all and just the numbers on a spreadsheet. And I didn’t realize that it really had a lot to do with just your mindset regarding, you know, money.

Keina Newell [00:03:21] Tell us more about that in terms of some of the ideas you’ve had in terms of mindset and not just being about a spreadsheet. 

Jackie [00:03:28] So with me, I think there are a lot of things I want to buy. So sometimes I feel like I’m splurging or I shouldn’t have it. But now I can see that I deserve certain things or I wouldn’t want to say I deserve, but I feel that there is more of an abundance. I’m coming from abundance as opposed to a scarcity mindset. And I think that’s really important because before I would just like, Oh, well, you know, I would beat myself up over spending money on, I don’t even know like a generic or if I wanted to buy a name brand bread, I’d be like, Oh no, I need to save like that 30 cents or whatever it is. And now I’m like, I was actually in Publix the other day and I reached for like, actually, it was yesterday either a hamburger bun, something like, you know, like I automatically reached for just like the cheapest thing I could find. And I was like, I don’t even like this bread. What are we doing? Like how much I’m really saving. So I think that, you know, that’s part of the mindset is just that initially it was coming from a scarcity mindset because that’s how I kind of grew up. Save, save, save. Always try to buy the least expensive thing, whatever it is. And in fact, I need a new car. I mean, I am trying to write this one until the wheels fall off and they almost fall off. But I was talking to my sister and what I really want is an Audi. Was that like a G7 or whatever the SUV is? And she was like, That’s just so expensive. Why don’t you just get that least expensive car? You just, I don’t know, like a Hyundai, and there’s nothing wrong with that. I mean, absolutely, you know, I really want this Audi. I do 100 percent and not because I want to flaunt it. I just really like the look of it and buy it at the end of the year. And that’s it. And so that has changed because before if I was in a position where, hey, if my car just broke and just. Apart. I wouldn’t, you know, I would have to get like, that’s not what I want. Mm hmm. I think that’s where my mindset is changing, operating from a place of abundance as opposed to scarcity now. 

Keina Newell [00:05:46] Well, and I think what I hear in that conversation is just also being able to filter your spending habits and your purchasing decisions through a lens of which like, what do you value? I always like it when I’m working with clients, I want to get them to go back to. Here’s what I value financially, and here are my financial goals, because within that, you can have whatever kind of bread you want or or it’s like, maybe I do really want this car because like that is something not to say. I’m not saying you value cars, right? But like, I actually want this luxury experience, and that’s how I want to spend my money. At the same time, I can also look at my spending plan and see how I’ve also progressed towards my emergency fund paying down my debt. It doesn’t have to be an either, or it can be a both and mentality, right?

Jackie [00:06:45] Yeah, no, I agree. I think it’s for me what I value is reflected in my spending plan at this point, and I can see that what I value is also an uncluttered house. So now when I think about purchasing items and you know, it’s within the spending plan, I think, well, do I have room for it in my house? Do I have a place where I am going to get rid of? Is it going to clutter my house? And I think that that’s important for me because that’s one of my values and then I see it within. I can afford it within my spending plan. And it goes outside of just just numbers, it really goes to my core values of how I want to live my life. Like I really want this weighted blanket, but I’m having a real hard time buying it now because of the cost of it, but because it’s, you know, I already have a blanket that I really like and what am I going to do with that blanket and it’s going to clutter my house? But I think it’s my spending plan really reflects my values at this point where it didn’t before, and I was just applying whatever and I can tell when I’m having a hard time, just like personally or whatever it is when I go outside of that spending plan and I can see that whatever I’m purchasing doesn’t reflect my values, I know that I’m like, Oh gosh, you know, I don’t know. I had an issue. I don’t even know what it was sometime in October or something was going on. And I realized that I was buying too much stuff on Amazon, and I was like, It’s an indicator to me that I’m just emotionally spending and it’s outside of my plan and not consistent with my values. And then I could, you know, I’m like, Oh, OK, well, something’s going on, and I could rein it in and then bring it back to focusing on my financial goals.

Keina Newell [00:08:32] What has been your thought process when you have? I mean, I know I can relate to this in emotional spending or overspending. Like, what’s your thought process when you are outside of your spending plan? Like, how do you rate it back? 

Jackie [00:08:42] Sometimes they don’t realize I’m in it until after, and I just see and then I just so I feel like I don’t know how to. I feel dirty. I feel just like, Oh my gosh, and I, you know, but I don’t beat myself up over it. I just recognize what I’ve done and then move on from there and return whatever I need to return or can’t return and then just go back to the spending plan. And just this is refocus on the goals. I just look and just, you know, every morning, OK, these are my goals. This is what I want to do. How do I get there? What steps can I take today to get there? And what do I not need to do to get there?

Keina Newell [00:09:24] I love that. It makes me so happy. I mean, one of the things I always talk to people about is I like my goal and working with clients is not to make you perfect, right? As I want you to be able to show progress. I want you also to know how to get back on track when you get off track, because that’s inevitable. And I’ve actually worked with a number of women who have been going through something like separation or divorce, and what I’ve learned as a coach is also being able to name for them, like, Hey, Christmas is probably going to be really hard or like holidays are going to be hard or birthdays. And that might be in a space in which your spending shifts because you’re trying to adjust for like emotions that you’re feeling and being able to like you said, like give yourself grace and not beat yourself up over like that happen but recognizing even if it is like, Oh wow, I did that for a month, I can recognize that I can reflect on it. I can talk to myself about what’s not working, and I have very clear steps for how to get back on track and continue making the progress that I desire to make and what I. I would say for you is that you have started to embody a new financial self concept like how you view yourself in terms of how you manage your finances, which is very different than the woman that I met. 

Jackie [00:10:44] Yes, yes, absolutely. I mean, it’s completely different. And I’ll tell you, you know, just being able to stick to this spending plan, which is just, you know, just a reflection of my goals. It’s not, you know, I mean, it’s a spreadsheet and their numbers, but it’s reflective of other things, you know, like what my values are. And so I just this past probably this last quarter, I if my goal was to pay off my credit card debt. Unfortunately, that didn’t happen. I didn’t go into further debt, but I had significant things come up like I had a replacement roof or at least part of my roof. I had to have a lot of dental work done. Well, it wasn’t a lot, but it was a lot of money. I thought it was going to be like a hundred dollar visit. It was more like a $4500 business. Very different. Oh my goodness. And then I think we were corresponding on Instagram just before Christmas. And I need new tires after we talk. I was like, You gotta be kidding me. I went and thought I was going to spend 20 dollars to fix a flat. I had to buy four new tires immediately because I was leaving to go see my mom the next day and I couldn’t, you know, they were like, That’s very dangerous. We don’t know how you’ve been riding on these tires, and I’m like, I don’t know. I thought it was just like a flat and I was just feeling. Anyways, the point. The point is I wasn’t able to reach my goal of paying off all my dad. I mean, it’s still there, but I didn’t have to reach into my emergency funds to pay, pay, pay this what it’s been like 10 grand or so in the last just in the last quarter before they would have kept me off the rails like, Oh my god, oh my God. I mean, but these were necessary things, and they were just, you know, I don’t want to say, and I don’t know, the true thing was kind of an emergency. But I just looked at the spending plan and I was able to refocus and just say, Hey, at least I don’t have to go into my emergency fund to pay for any of this. I mean, it’s still intact. I might not be able to reach my goal of paying off my debt. That’s OK. Because, you know, at least I’m not going into my emergency fund to pay for this stuff and I can afford it. And which is that which is completely different from where I was last year because I just, you know, I would have had to figure out, I don’t know. I don’t even know how I would have done it, to be quite honest, because I know that my credit cards were essentially maxed out. And if I didn’t have this cash on hand, essentially our spending plan, I wouldn’t have been able to pay for it.

Keina Newell [00:13:39] That I was going to say is that when we started working together, you were like, my credit cards are basically all maxed out. Then you asked me if you could pay for coaching on a credit card. Well, my thoughts about that. And that’s kind of how we got it started. And I will say, you did pay. I don’t talk about this often, but you pay for coaching on a credit card, which I don’t have any qualms about because I know that you’re going to make your money back and completely shift your financial situation. But I would also underscore that I think the thing that I hear you talking about, right, and some people may be listening to this and say, like, Oh, if you had money in your emergency fund, why wouldn’t you use that? And sometimes you’re going to make a conscious decision to keep money in your emergency fund because it’s like, I want that safety of having money in a savings account. And maybe I do have to charge something that’s five thousand dollars. But when I look at my spending plan, I can make a plan to pay that off in the next six months. I can make a plan to pay that off in the next eight months. But because you actually know your numbers, you can actually adjust to say, What is the plan? Because I’m having to take on this debt and how am I going to pay it off in a way that’s very different than what I think people live on, like a hope and a prayer of like, Oh, I’m going to charge this and I’m going to hope that I can pay it off or even the mentality of like with this next paycheck, I’m going to pay it off. But they don’t know what that payment is, how that payment actually impacts other areas of their life. 

Jackie [00:15:03] Right, right. And so within my spending plan, I had like a specific amount devoted to each card, each every two weeks, and I was just able to look at that and say, OK, well, I can just just pay the minimum on this and then just I’d rather pay for everything with cash as opposed to having to reach into my emergency fund because these weren’t, you know, for me, they weren’t true emergencies. I mean, I had to get my. I had some notice. I have like a month or two notice, I knew where that was going and then the whole dental plan thing I could put on, you know, like on a plan or whatever, so that that was fine. So I had a plan and I could just like I said, I just looked at my spending plan and said, OK, I can just make these adjustments. I’ll be fine and I’m not going to beat myself up over having to get a root canal. I mean, I, you know, I’d rather not be in pain. I’d rather not be in physical pain and have debt on my credit card. I mean, I’d say it’s fine, you know, that’s just the decision I had to make, and it just reflects my priorities. 

Keina Newell [00:16:14] And it’s also like for people listening when things like that happen. It’s also thinking about things like, are there things that I might want to shift as I go forward? If the dentist told me, like, Oh, you’re probably going to be back here in six months right here, right? You can go back to your spending plan and say, like, maybe I need to increase what I’m saving for medical. But I think oftentimes things like dental or car repairs catch people off guard, and you may not have all of the money saved for the things that you need to get taken care of. But it’s also learning how to start considering those things. So even if you can offset it by a few hundred dollars like that is monumental. And it’s a shift in how you think about money because you are thinking about things like, there are things that no, I can’t plan for every little thing that might happen, but I can start to be intentional with how I want to think about money outside of my regular bills. 

Jackie [00:17:07] Right? Yeah. And so I have a line now devoted to like what I call like capex for my life, like things I know that are I’m going to need, but not necessarily now, maybe additional dental work or something to do with something that would be more not an emergency, but it’s something that is definitely going to happen in the future. You know, maybe like some other medical bills or whatever it is because I have like a capex account devoted to my house and then just one for my personal life because you never know, maybe I have to fly home on an emergency basis or something like that. You know, I just know that that’s ultimately going to happen for sure. So, you know, I have that set aside. And I mean, now I know, you know, just just based on this past year. Oh my God, all these things came up, but they didn’t really just pop up. I mean, these were things that I could have planned for. But you know, and I will say it was a little hard in the beginning to to not not to save the money, but to have enough money to to be able to devote to or not to it, but to pay these things off because I was just starting to get back on my feet. But I mean, it’s fine now. I mean, like I said, have a spending plan, figured it out and just shifted some things. And now I know in the future what I need to do for this car that I’m going to buy at the end of the year. I’m just going to put money aside, and that’s it. Like, it will just automatically go into a savings account. And then I know at the end of the year, Randy Karma driveway is. 

Keina Newell [00:18:44] How much credit card debt have you paid off in the last year?  

Jackie [00:18:47] Well, I would say, I mean, I paid a, I would say about 10 that, well, about ten thousand. But I also after we coached, I had hired another coach for my career wise that type of thing. So then I put that money on my credit card. Also, because I see the value in coaching coming from you. I mean, there was just so much value in coaching with you. I was like, Oh man, let’s see if this works for my career too. And so I mean, I paid off a good amount of debt, but then I also took on more debt because I thought it was worth it. I thought that I would benefit financially from it. And I have with your coaching, with that coaching, and I can’t wait to, you know, do some more coaching with someone else and reap the benefits of it, you know, and I and but but to your point to your question, I I paid it off about like ten thousand. And like I said, I could have paid off more, but I had other expenses. That money went elsewhere. Yeah, and reallocated it. Yeah, and it’s fine because now that those things have happened, I’m not going to need a new roof. I am, you know, there might be a couple of other little things that I need to do, but this year, I’m going to pay it off. So, you know, last year, I wasn’t in a position to get a lock on my house. And so I have all these windows. That decision, not not that the windows weren’t a bad decision, that the way I financed them was a bad decision. Yeah. So I couldn’t refinance and take advantage of the low interest rates because of. This one, it’s like a tax line. I didn’t know anything about this. In any event, the point is, you know, last year I couldn’t. I didn’t qualify for the law just because of my debt to income ratio. But now that my income has increased and the value of my home has increased, I can take on. I qualify for a lot now. So with this lock, I can pay off my tax lien for these windows and then pay off my credit card debt with a significantly lower rate and just have one payment. And then, you know, just just pay it off like that. And so after I pay off this tax lien, then I can refinance my house and then my mortgage insurance will drop off. And that’s a couple hundred dollars a month. Income because of the mortgage payment is going to be lower. So.  

Keina Newell [00:21:26] So just even being in a financial position to reposition some of the payments that you have. But because like your overall credit score, also your ability to manage money is allowing you to make different decisions that ultimately is going to get you to this place like I want to be. I know the things you were telling me about is like being debt free and also being in a space to be able to invest in real estate. I know that was one of your goals early on when we started and talking about your dream life. And so to hear like, I think ten thousand dollars to pay off their credit card is really good in a year because I mean, that’s almost a thousand dollars a month, especially when you consider interest, right? And so and when like credit card debt is something that looms over people’s heads for a significant amount of time and then people just continue to add to the debt, it never comes down to adding and never comes down, and people are adding in ways that aren’t necessarily for things that they can say, like what did you put on your credit card? You know what you put on your credit card? Do you feel good about what you put on your credit card? Like, at least if I know on my credit cards like I have dental work, like, yes, I needed that vs. I putting. It’s a whole bunch of DoorDash. I’m not really sure these are two different types of consumer debt, and I know you can also relate to DoorDash credit card debt. Jackie and I have been there, we overcame being able, it’s just it’s all like there’s just a much different mindset and rationale to how you’re thinking about and managing your finances.

Jackie [00:23:01] Yeah, absolutely. And I will say in qualifying for this quarter, I was only going to ask for like twenty five thousand two to pay off the windows that I found out that I qualified more based on the value of the home. And so then I said, Hey, give me up to ninety nine, which is how much I could take out, because this also would help me in investing in real estate, too, because then I would have that line of credit there. And if I needed it, I could just, I mean, I just put some real estate strategy. I could use that in any event. But they said, OK, well, you know, we’re twenty five. We don’t need any verification of assets with anything over 50. We need verification of assets. We need you to verify. We need to show you. We need you to show us that you have at least like twenty six thousand dollars in assets. I wasn’t even worried about it. I was like, Here you go. I don’t have to use a calculator to like every penny of every single account. I was just like, Boom, that’s it. Here you go. And I mean, it took me maybe like an hour to figure out how to like up my math. But yeah, that was it. I mean, there was no there was no turmoil or, you know, Oh my gosh, how am I going to like, how am I going to do this? You know, it was just because I’ve been following the spending plan, and while I didn’t pay off my credit card, one of my goals was also to invest in ETFs. So you have to have a minimum of like three thousand dollars. And so I just sock it away. And when I decided I wanted to do that, it was probably, I think, like October or something like that. So my last paycheck in December, before the end of the year, I had enough put away. And that I mean, and then I guess and I invested in my ETFs. I was super happy about it. I was like, I mean, the minute I hit the account, I was like, I’m done. So by the end of the year, I met that goal. Currently, I don’t have a 401k and I don’t qualify for it until one year. So I was using that as what I would normally put in a 401K to do just to this investment fund. And I met that goal. So, you know, I all in all, last year was just pretty. It was good. But this year is going to be better. I love it.  

Keina Newell [00:25:26] What would you say you’re most proud of accomplishing, like if you had to write a list of accomplishments? What are you most proud of?

Jackie [00:25:32] I would say getting switching jobs and getting a pretty significant raise, and it’s all because I have that mindset. I did the mindset work with you operating from a place of abundance as opposed to kind of doing whatever, doing whatever I could in the immediate in the present as opposed to planning. Because with you, I planned, I was able to figure out what my values are and my values. What I thought was valuable is to make enough money so that I don’t have to be in a position where I’m always struggling or feeling like I’m struggling. And then just to ask for it, you know, I deserve this because I am an excellent attorney and please pay me. Thank you. And I did that. So that’s I think that’s one of my most, my proudest accomplishments. I mean, obviously with the other money staff. Yes. But, you know, in order to meet those goals, I had to make more money. And I know that everybody has to make that like everybody can save and develop values. But I think for me, my value was to increase my income so that I can pay off the debt. Do all these things much faster and then just overall, not hate my life and hate my job. And if I am valued, you know, if I’m valued, I’m happy. I’m happy to do the work. I’m happy is kind of an overstatement, but I know what you mean.

Keina Newell [00:27:12] And it’s like, I’ve been in positions where you’re working 60 hours a week, right? And you’re thinking, like, actually get paid a lot more. And also, I will underscore that women are often under earnings. So I, if I can help people make more money and look at their budget and say, like, you should be earning more, I definitely plant those seeds because yes. Overcoming earned under earning. If you have not read that book, you should read that book because women are positioned, whether they’re entrepreneurs or even in corporate America, where we’re oftentimes under earning and devaluing the amount of profit that we’re actually bringing to a business. It’s not necessarily like, I do think there’s a space where like, no, you actually need to earn more money. But then there’s also a realm of people that say they actually are making really good money. And when I say really good money, I’m talking like multiple six figures. But they still like when they look at their finances, they don’t see that things have shifted. And that’s because they’ve taken spending habits and habits, financial habits that don’t serve them. They’ve taken them with them from thirty thousand dollars a year to one hundred thousand dollars a year. And so it’s not always about making more money. It’s about shifting how you look at finances now. When you shift that and you make more money, then your financial results are really going to flourish and compound. And so once again, it’s like that both and strategy. But don’t look at your current financial situation and say, like, well, if I made more money, I can guarantee you made more money than you did five years ago. The question is, what have you done with the extra income that you’ve actually created for yourself?

Jackie [00:28:48] Exactly. I completely agree. If a couple of years ago, you know, when I first started working with you, if I was making the same amount of money, I would just be applying for the same amount of money. Yes, that’s it. I mean, I would still be in that same position back in 2020 had I not had that mindset shift about the money. And you know, it’s not just it’s not just about the numbers, it’s about, you know, your values and what you want to do with that money and having something in place where you can look at, you know, every day, OK? These are my goals. How do I get to my goals? OK, this is what I need to do, or this is what I don’t need to do.  

Keina Newell [00:29:25] As you said that I was thinking about your Turkish towels now.  

Jackie [00:29:27] No, I don’t even use my Turkish. So my feeling is just, you know, thank you for it was like Thanksgiving. And they were like, No, we want big, bulky towels and use these Turkish towels. 

Keina Newell [00:29:41] I think in our first episode that we recorded together, we talked about Turkish towels. But if you have not listened to that episode, Jackie bought a lot of things when we were working together. She can tell you a lot about coaching and I’m like, OK, let’s look at your daughter. And you just bought an abundance of towels, which I think now you reflect on and be like, Wow, that was some emotional spending. But now nobody uses the towels that Jackie spent a lot of money on. 

Jackie [00:30:11] I know it was, so I don’t even know why I needed these Turkish towels. I mean, they definitely have safe space and I like them, but nobody else will use them. And I’m like, OK, well, these are mighty expensive Turkish shells, don’t you try it? But it definitely, you know, it definitely was. No spending, I mean that the DoorDash I just never had. Well, I felt like I never had time to cook or know. And plus sometimes I just didn’t want it because I was always just like, so sad and I’m so frustrated and I just don’t have time for any of this. And I would just, you know, it was the easy way. But now, I mean, there’s some weeks where, you know, I just need to like, I just have a lot going on. And, you know, meal planning is not on my schedule for that week and I do it, but that I allocate, you know, I mean, sometimes it’s just, you know, I feel it’s necessary for me. So I just allocate a certain amount.

Keina Newell [00:31:10] It’s the clarity in which to do it right. As a coach, I’m not going to tell you this is bad. This is bad, but I want you to be clear about your decision. There’s nothing worse than looking and realizing you spent five hundred dollars and you don’t have any idea where it went and you could spend that same five hundred dollars. But if you know where it went, there’s just a different place of confidence and reassurance. Any of those words that you put in there, and that’s I mean, that’s what you’re creating for yourself. It’s not DoorDash, anything, everything Caviar, Uber Eats. I don’t care. I have one client. I was like, You know, I don’t want to cook, I want to eat out. And I was like, Great, let’s make sure your spending plan encompasses that. But when you’re doing it without the financial awareness, then that’s where it’s in conflict with the things that you actually value because you haven’t taken time to think about what you value. It’s in conflict with your goals because you haven’t taken time to sit down and think about what your goals are, right?

Jackie [00:32:06] Yeah, no, I agree with that because now I don’t feel I don’t feel terrible about ordering food when I used to be like, Oh man, this is like, I shouldn’t be doing this now. I’m like, Well, you know, not that I deserve it. This is necessary for me this week or whatever it is because I know it’s reflected in my values that sometimes I just need to like to be a little bit easier for me so I can do something else. I choose my, I have priorities and sometimes my property is cooking, which is why it’s more it’s more not washing dishes than it is cooking,  

Keina Newell [00:32:48] Which, you know, sometimes you pay, you pay for things in life because you desire a level of ease, and to be able to financially plan those things is even better. Yeah, yeah. So briefly, you talked about the value of coaching and I want to capture this. But like, what would you say? Like, what are the results that you’ve created that go beyond the investment that you made in coaching.

Jackie [00:33:12] Having this mindset shift to get a new job, to ask for what I want to, to even just know what my values are because I didn’t really know what they were before, it was just like, Oh, I guess, whatever it is, I felt like life was like happening to me and not me like making these choices and what you’re coaching. I mean, I want we had that conversation that one time and I was just like in it. I didn’t even know I wanted to give up on everything. I just couldn’t. I just couldn’t. I mean, with all the stuff, with the divorce and just like I just felt so financially bogged down that I just couldn’t like, I couldn’t deal with it. And then you took it just, you know, just one step at a time with me outside of the spreadsheet just to get my mind right. And since then, I have changed. I can’t even describe it to you. I mean, I’m like a completely different person from that conversation, from that coaching session. I can’t thank you enough, honestly. I mean, I’m not. I’m serious, like I can’t. It changed my life so much that I’m in a much better position, just financially and mentally like. All of that has changed. And, you know, just seeing how much that coaching benefited me, I decided to hire another coach for my career and that worked out for me too. And so there is such a benefit in coaching to have someone there for you to say, Hey, you know, to maybe like, show you what you haven’t seen about yourself and just kind of get out of that area where you’re stuck, you’re like, Oh, well, you know, I can’t, I can’t, I can’t, or this is happening to me. And then, you know, like you showed me, it’s not. You can make these choices. You know, here’s your I don’t even know up until that day. I still don’t even know what the spending plan was. I don’t know how to work. A spreadsheet lists like me, just I don’t. I don’t know how to work the spreadsheet. But after that, after that day, I mean, I just had that like, I don’t know, just like an epiphany, like a clarity. And I’m like, Oh, OK, that’s not great. I mean, they were just I. It’s just like not. I cannot wrap my head around it because it wasn’t in the mental space to do so, but I mean after that, that one coaching call was just like, I like, transformed into someone completely different. I mean, it took a while, but just like that, there was just a light bulb that went off. Yeah. And I am not even in such a different space. Like I said, financially, mentally, career wise, just like shooting me off into outer space. And I’m just like, obviously, there’s some work that I still need to do. I mean, because we all have setbacks. But I know how to deal with those setbacks now because you showed me the way you showed me the way. And I, you know, I’m so happy that I sent you that frantic message or message. I mean, the value of your coaching specifically was just, I mean, far beyond what I expected because, you know, I was like, Oh, I don’t know. I don’t know if I want to because I had never invested in a coach before. And I was just seconds into putting it on a credit card. And it just sounds just so weird to me. And I don’t know. But I mean, it’s just the value of that investment has tripled. Actually, I don’t know why it tripled. I don’t know why it was more than triple cash, more than Triple A.. It’s just such a value, and it’s such a benefit to have someone on your side to show you what you’re doing, right, what you could change and just kind of have to be overall helpful and help you reach your goal much faster than you could on your own.

Keina Newell [00:37:19] like a walking billboard. And I personally believe in the value of coaching for all of the reasons that you said, especially when you find someone who is really in alignment with where you desire to go and you see like, No, those are the results that I want to create, and that’s the person that can help me create the results that desire. And it’s not to say that you can’t do it on your own, but it’s for the very reasons you spoke of is like they can see things that you can’t see that you’re blind to and they can hold possibility for you when you may feel doubt or uncertainty and they’re going to continue to just be that reflection of like, no like for you. It was like, No, Jackie, this is where you’re going, OK, we can reset the spending plan again. All right, we’ll reset it again this week. You know, it is like this works. And when you get this and when you start to own it and you master your finances, like now we’re going to be able to talk about other things like you’re saying, like, now I can think about increasing my income, now I can think about investing in property. And it’s not just I want to pay off debt. I hope I can save some money. What am I going to do with this paycheck that comes in next week? Or I hope I get paid next week? It’s being able to really move beyond just creating a budget and experience like a whole transformation in your life, right?

Jackie [00:38:40] Yeah, no, I agree. I mean, I move from just surviving to thriving now. I mean, it’s I just get him and it’s so amazing to me as I sit here now. I was just such a different person from when we first started coaching. I mean, I’m completely different and you know, it was so helpful to just be able to have someone like, believe in me and to help me. And just, I mean, I feel like I’ve been repaid like a thousand percent. I mean, I really think it’s so valuable. And although someone may not need coaching, it helps. It helps you. I mean, from my perspective, we get to where you want to go much, much faster. I mean, because I have been on the same hamster wheel for years. And then finally, I had a realization. I mean, who knows when? But like I would be in a short amount of time, you know, and here I am, thriving.  

Keina Newell [00:39:41] I love it and I have a special place in my heart, too, for all the women that I worked with at our divorce because I’m like, You are redefining who you are. I feel like as a woman and a mother, and just like all of these different titles and hats that we wear, and so it always just warms my heart just a little bit more when I get to see you go through that process.

Jackie [00:40:03] And now I show differently just for me, for my daughter to, you know, before. But now, like, I completely, you know, I have I mean, I still don’t buy her a whole bunch of stuff. I don’t need to give that to stuff. Yeah, no. I mean, it went a little crazy, not too crazy before Christmas. But like, I show a different flavor for her now, and I think it just again, it reflects my values and I’m not so stressed out all the time about money and just. I’m a much better mother, attorney, daughter, sister overall. 

Keina Newell [00:40:38] Well, I love it, and I hope that you really take the time to celebrate whenever, every day, all the time. This is like, I mean, it’s exciting to know that this is just who you are now. And of course, there’s like a continuum where you can continue to grow, but like you are now just building off of the success that you’ve already created for yourself. So before we wrap up, is there anything I should have asked you that I didn’t want to say?  

Jackie [00:41:05] I don’t think so. I think I think we covered everything.

Keina Newell [00:41:10] OK? Is there? You had to tell the listeners like one action they should take, maybe a piece of advice you would have given yourself a year ago or even a reminder to keep going. What would you say?

Jackie [00:41:21] I would say, define what your values are. Write them down. And when you look at them every single morning or night, whatever it is every single day, and just ask yourself, how can I, what action can I take to move forward to reach that goal, even if it’s small, even if it’s, you know, I don’t know that it’s something small. It doesn’t have to be something big, but just, you know, what can I do every day to reach this goal and have it written down on paper so you can see it? And if you feel like you’re deviating from that goal, you can always come back to it and say, Hey, OK, this is my goal. Maybe I went off the rails a little bit, but how? What’s the next step I can take to reach that goal?

Keina Newell [00:42:05] I love that. Write your values down. Ask yourself, what’s the next step? Yeah. So thank you so much for listening to another episode of Money Files. If you would like to work with me, apply to work with me and my five month partnership. You can go to and apply there. Thank you.

Keina Newell [00:49:25] Thank you so much for listening to Money Files. If you’re ready to take the next step to reach your financial goals, head to and let’s get started.

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