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If you're going to be financially free, you need a plan for your wealth that doesn't require you to tick and tie and count and measure and categorize every single day. You need a plan for savings. You need a plan for spending. You need a plan that will ride the ups and downs without tanking your goals. And you need that plan to be as elegant and easy to execute as possible.Today we’re getting into step two of our series on The 7 Steps to Wealth: Plan. This episode is going to walk you through exactly what you need to do to create a financial plan that will help you accomplish your goals–without sacrificing your comfort, sanity, or enjoyment along the way. I want you to live a life you like, and even a life you love, but we have to make the numbers work. So I’m going to share the exact system that helped me dig myself out of multiple six-figures of debt and achieve financial freedom for our family. This cashflow management plan is so effective that I still use it to run a multi-seven figure business,

Have you decided to be rich?That might seem like a very straightforward question, and most people would probably say, “Of course I’ve decided to be rich. I’m listening to this podcast, after all!”But I think most people haven’t truly decided to be rich yet, and I want to dig into what I mean by deciding to be rich: Are you making decisions every day that help you build and preserve wealth? Most people who have decided to be rich (in theory) are (in practice) actively deciding to spend money in the moment… at the cost of saving it for the future. They’re more caught up in maintaining the appearance of being wealthy than achieving financial freedom–an expensive endeavor in the short term, and an incredibly costly mistake in the long term.Decide is the first of The 7 Steps to Wealth, a framework that I use with my clients and in my own life, because to be truly wealthy, you have to do what most people won't: You have to decide, every day, to be rich. I’ve talked about The 7 Steps to Wealth many times before

It’s been about five years since I last spoke with today’s podcast guest, George Kinder, but it feels like just yesterday we talked about how good financial plans enable you to achieve life goals–and what freedom means. Since then, he’s managed to write another incredible book called “The Three Domains of Freedom,” so I was incredibly excited to bring him back onto the podcast to talk about what it means to experience freedom, the power of mindfulness to change the world, and how to identify whether or not you’re living your purpose.It’s hard to believe that George was once a math major at Harvard because his life’s work is rooted in emotional intelligence now, but as he points out, that's one of the beautiful things about life: we're constantly learning–hopefully to be better people–and that’s how civilization grows! George’s energy is absolutely infectious, and this was such an expansive conversation about true freedom, mastery of the present moment, and unlocking the possibilities that are at you

Hey Money Lover, today we’re doing something a little bit different, inspired by a post I saw on Instagram. Someone had screenshotted a crowdsourced question from Reddit, then brought it over to Instagram to offer commentary on the situation.I was reading this post and attempting to collect my jaw off the floor the whole time, because it was a series of those “Am I the A-hole” or “Should I leave him?” posts where someone is describing a financial issue they’re having with their partner–all husbands, in this case. The only thing going through my head as I read horror after horror was, “Yes, girl, YOU CAN LEAVE HIM.” You don’t have to sacrifice your security or well-being for someone else’s financial mistakes!I know it’s not that simple, but it pains me to see women held back in their lives because of unhealthy financial partnerships and limiting beliefs; that’s actually a big part of what fuels the work we do at Hendershott Wealth Management, where our mission is to see women and their partners healthy, wealth

Emotions and money are so intertwined because our feelings are a part of everything we think and do. But a lot of people ignore or avoid their emotions because they don’t know how to identify or regulate them–and that’s a costly mistake.While that might feel easier in the moment, you end up missing out on a lot of important information–and those blind spots can cause you to make choices that aren’t aligned with your values or long-term goals. According to today’s guest, Jess Robson, the only way to course correct is by learning how to connect with–and regulate–your feelings.Jess is a copywriter turned EQ coach (more on what that means in the episode) who helps people grow their emotional awareness and intelligence so they can work with their feelings, instead of against them. In this episode, we talk about how you can use the information your emotions contain to make better, values-aligned choices that keep you on track for your long-term goals–rather than derailing you. Jess explains where our feelings come

“The sandwich generation” is used to describe people who find themselves taking care of their kids and aging parents… while trying to take care of themselves, too. (That part gets left out sometimes.)Today’s guest, Max Mayblum, prefers to call this group the caregiving generation, because they care for people on all sides of the age spectrum–and that’s who his business is created to support.  Max has been in digital healthcare for most of his career. When his aunt was diagnosed with terminal cancer and his parents put their lives on hold to take care of her, Max wanted to help as much as possible, so he put his skills to work looking for resources online. What he found was a very broken system. Max witnessed the emotional and financial toll that caregiving took on his parents, and he knew they wanted to spend every possible moment with his aunt–not navigating logistics and applications for funding. The whole process was a nightmare, and Max found himself having conversations with his parents about other famil

Today’s guest is someone who wants you to make money as much as I do: Kelli Thompson, executive coach and author of the book “Closing the Confidence Gap: Increasing your Peace, Potential, and Paycheck.” Kelli joined me on the podcast to talk about some of the biggest myths when it comes to salary negotiations, explain just how much your negative beliefs are costing you, and share scripts to help women confidently ask for more. While working as an HR professional in the corporate environment, Kelli got to see firsthand how job negotiations played out–and how detrimental those conversations were to women who, for the most part, weren’t confident talking about money. She made it her mission to see that change, and adopted this mantra: Nothing bad happens when women talk about money. (I wholeheartedly agree.)In this episode, we talk about tactical approaches to negotiation, using market data to support your position, and biases that impact your earning potential–so that you can recognize and overcome some of the

Get ready Money Lovers, because Alyssa is in the HAUSE! Alyssa is my little sister, and she has been a part of Hendershott Wealth Management since its inception–and–we worked together before that at our father’s firm. Don’t worry, I didn’t completely poach her from my dad’s business. In fact, she still works there! But when I started HWM, she came to work with me part-time because I was able to offer her a more flexible schedule and work environment as she grew her family.Alyssa started out doing my bookkeeping and helping with paperwork (as an act of sisterly charity, apparently!) and these days she is a client-facing advisor and CERTIFIED FINANCIAL PLANNER® professional.In this conversation we talk about why we work together so well, what can cause tension and rifts in family businesses, and what we’re working towards (and forward to!) in the future. Love, your Money is a podcast about finances and relationships, and building a life that aligns with your vision and values. Alyssa and I couldn’t be more diff

This week’s guest on Love, your Money is no stranger to us at Hendershott Wealth Management… because she IS one of us!If you listened to the last few episodes of the podcast, you know that it’s anniversary month at our firm: We are celebrating a decade of building wealth and helping our clients pursue (and achieve!) financial freedom. We know you can accomplish so much more when you’re supported by the right people, which is why we’re big advocates for investing in your team. That’s why today’s conversation is with someone I (and my clients!) have come to rely on, a.k.a. my best hire ever, Jen Rupp.Jen is the Director of Financial Planning here at Hendershott Wealth Management, and my right hand woman. Our firm truly wouldn’t be in the place it is today without her help. After all, having two big brains is better than just one, right? When Jen raised her hand to join us at HWM, it was a one-woman show with some light admin support. I wanted to build a team that was happy and thriving in their life working at

In our last episode, I sat down with my husband and life co-pilot, Robert Hendershott, to reflect back on the last 10 years together–and the first 10 years of Hendershott Wealth Management! He joined me for another conversation today to turn our gaze forward and talk about what’s coming up next because our family is on the cusp of a huge milestone: Robert’s retirement.(Make sure you go back and listen to episode 249 if you haven’t already. It’s not required to understand this episode, but if you’re interested in learning more about how to build wealth and financial freedom as a couple and want more context for today’s conversation, it’s worth it.)After years of financial partnership and saving for this stage in life, we sat down to take you behind the scenes of how we planned for Robert’s retirement–and how we’re navigating the years to come.When most people hear “plan,” they think of getting your ducks in a row and then following each step to get where you want to be. But. As we learned, not all plans work t

Welcome to an extra special episode of the Love, your Money podcast–because we’re celebrating our 10 year anniversary here at Hendershott Wealth Management!It’s hard to believe it has already been a decade of helping high net worth women and couples build wealth and achieve financial freedom, but here we are–and, in so many ways, it feels like we’re just getting started.   To commemorate this milestone, I invited an extra special guest to join me on the podcast. Long-time listeners may remember that I interviewed my husband, Robert, a few years ago to talk about hedge funds (episode 55 if you want to check it out). Well, I’m bringing him back today to reflect on some of the highs, lows, lessons, and repressed memories from running a wealth management firm for ten years.I wanted Robert to join me on the podcast for this conversation because he has been my co-pilot since before I started HWM–and my number one cheerleader every step of the way. Listen. I met Robert when I was BROKE, living in a two-bedroom bunga

Seven years ago, I recorded a podcast episode inspired by the worst financial advice I was hearing on other podcasts at the time. A lot of things have changed since 2017, and unfortunately, a lot of things have remained the same.I decided to revisit that awful advice and give it a 2024 refresh so you can see which bad advice is still being recycled, separate what’s true from what’s trendy, and make informed, educated choices that are right for you.My goal is to help you learn how to become a sophisticated, prudent investor. That includes: Identifying the “armchair advisors” on the internet that are sabotaging your wealth–and the lack-of-evidence-based opinions they’re doling out.So in this episode of the Love, your Money podcast, we’re counting down the seven worst pieces of financial advice on the internet–because it’s not just on podcasts, it’s everywhere. From “Bucket Investing Strategy Brad” to “Just Buy Gold Chad”, we’re going to poke holes in some seriously unprofessional opinions–and do the math on how

Why does wealth matter? Because it is your key to freedom–and that’s something we care about a lot at Hendershott Wealth Management. We’re committed to helping people achieve financial freedom because with it comes the ability to do more of what they love in the world. And if we all spent more time doing what we love instead of what we feel obligated to… well, that’s the world we want to live in. Being rich is powerful, but most people struggle to embrace that because society has taught us to resent the rich. Especially as women–I mean, women aren’t supposed to want or be “too much”, right? WRONG.False beliefs get in the way of wealth building all the time, and all they do is cause you to sabotage your wealth–and put your financial security at risk in the process.So in today’s episode of Love, your Money, I’ll help you identify and overcome common mental obstacles so you can change your relationship with money… and your life. It’s time to stop sabotaging your wealth, and start embracing the journey to becomin

“Can you just make the decision for me?” As an adult, it seems like life is a never-ending stream of choices. From little decisions like what’s for dinner to big decisions about your career or financial investments, the choices keep coming–and there rarely seems to be a “right” answer.I’m in regular conversation with clients about their financial choices and planning for life transitions. (Do I sell my company shares now or later? How much should I save for retirement? Can I afford to take this vacation or send my kid to that college?) So when I had the chance to interview a decision engineer on Love, your Money, I had to say yes. I couldn’t wait to get Michelle Florendo’s insights, because as a Stanford-trained decision engineer, she’s made it her life’s work to teach people how to make decisions with less stress and more clarity.In this conversation, we talk through how to feel confident that you’ve done your decisions due diligence, while also going beyond the process-driven elements of engineering to talk

What does it mean to “age in place,” and why does it matter? Those questions motivated my conversation with Carol Chiang, today’s guest on the Love, your Money podcast.  We’ve been taught to fear aging, and most people prefer to focus on maintaining their youth than thinking realistically about care and comfort later in life. But aging is inevitable, so why not focus on setting your future self up for success instead of chasing the idea of youth?According to AARP, 9 out of 10 retirees say they’d prefer to age in their home, and it’s safe to assume that most people want to age with their dignity, grace, choice, and freedom intact. But. Only 15% of people have done any preparation to support aging in their current home–and that’s why I brought Carol onto the show. She is the founder of Evolving Homes, which provides expert consultations to homeowners who want to age in place.From maintenance of health and functionality to structural adaptations for your physical living space, there are so many ways you can mini

There are few things in life that we will all inevitably experience, and losing a loved one is, unfortunately, one of them.When that time comes, you should have just one thing to do: Grieve.But if you’re an executor with an estate to settle, there’s a good chance you won’t have the chance to deal with your grief until you’ve crossed the t’s and dotted the i’s, which can turn into a year-long, part-time job. (That is very much unpaid.)That’s why I brought Rachel Donnelly, founder of AfterLight Consulting onto the Love, your Money Podcast to talk about navigating the unavoidable logistics of what she calls “the business of death.”Rachel was thrust into settling the estates of two family members while raising two young children and working full time, which helped her quickly identify both the toll it can take on individuals as well as the gaping hole in the market for services that help ease the burden on grieving loved ones.Whether you’re the executor of a friend or family member’s will or planning your own est

Have you ever had a conversation with your money?Bear with me here, because I truly want you to answer that–and so does this week’s guest on the Love, your Money podcast, Ellen Rogin.Ellen is a financial intuitive who helps people strengthen their relationship with money, starting with one simple (but not always easy) task: Speaking to it… with respect.If you’ve ever had or voiced the thought, “I’m just not good with money,” or “I don’t have a head for money,” then you’re in the right place. In this episode, Ellen explains the ways we subconsciously shut down our relationship with money, shares how you can speak to money in a way that invites more in, and walks us through her signature framework, Prosperity on Purpose, so we can learn how to become more aware, clear, caring, and generous with our money.Money Lover, if there’s ever a time I’ve wanted to turn the mic on you to ask my signature question of, “If your money were writing you a love letter, what would it say?”, it’s now. Because after you listen to

Welcome to the second in my two-part series on what are possibly the most misunderstood insurance products out there: annuities and whole life insurance. Our goal at Hendershott Wealth Management is to help you build wealth–and a legacy that lasts. Part of that process is protecting your wealth, and that’s why getting the right insurance matters so much!I’ve avoided covering these topics until now because it’s really difficult to find someone who can be considered an expert who isn’t also trying to sell you a policy. But then, I realized I can find product experts who are no longer selling the product–like today’s guest, Ashley Foster.Ashley used to make a living by selling whole life insurance policies, but over time he realized that he didn’t want to sell insurance–he wanted to do comprehensive fiduciary financial planning like we do at HWM. He gave up earning huge commissions that funded luxury trips with parties DJ’d by someone from the Beastie Boys (true story) to pursue a more meaningful career; one tha

I’ll be honest: I’ve avoided the complex (and often misunderstood) topics of annuities and whole life insurance here on the podcast for a long time—simply because it’s pretty difficult to find an expert to speak about them who isn’t also trying to sell you a policy.That changes today, because on episode 241 of Love, your Money, I'm introducing you to Kelsey Burke, founder of Apricity Financial Planning.Kelsey spent nearly a decade working in the insurance industry, learning everything there is to know about a variety of annuity products and contracts in order to sell them to clients of her firm.Meanwhile, her internal alarms were going off as she realized that the context of selling these products was neither as transparent nor as consultative as she wanted to be.Now that she’s made a successful career transition from insurance sales to working as a holistic financial advisor, Kelsey has enough distance from the industry to see it for what it is–and she lends us her expert perspective to get an inside lo

Money and anxiety don’t go well together, but news headlines like to pair them up because, let’s be honest, hitting your emotional triggers is good for their bottom line. Well, here’s some good news: You don’t have to fall for clickbait, and learning how to stay the course instead of reacting to their hot takes is good for *your* bottom line. In this episode, I’m going to provide a light in the darkness with clear, level-headed, stay-sane advice to help you navigate the unknowns of external events–political, environmental, or otherwise–so you can ditch the anxiety and watch your wealth grow with ease.And when could we possibly need that assurance more than with the current conversations about national politics? It’s a hot and timely topic right now, as Americans stare down a repeated match up at the polls in November. Now, I’m not here to take a political position. I *am* here to talk about the potential impact of election cycles and other major world news on your investment portfolios. Before you listen to t