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Ed Vargois the Co-Founder and CEO of Burning River Advisory Group and enlightenHe,r a community focused on financial mentorship for women. With more than 20 years in financial services, Ed helps women navigate long-term financial planning for all stages, including retirement and transitions related to divorce or spousal death.
In this episode, I talk with Ed about empowering women to gain confidence and clarity around money. Ed shares how his mother’s financial struggles after divorce shaped his passion for helping women gain financial confidence. We discuss the challenges women face—like emotional attachments, societal biases, and confidence gaps—and how holistic financial planning can make a life-changing difference. Ed also highlights his approach to teaching healthy money values, both in his family and with clients, offering practical strategies for women navigating transitions like divorce or widowhood.
In this episode:
(00:00) - Intro
(01:47) - Ed’s background and financial journey
(09:18) - Behavioral differences in financial approaches
(13:30) - The financial services industry and gender dynamics
(25:27) - Creating teachable moments about money
(28:09) - Impact of parental money conversations
(30:26) - Challenges of modern parenting
(32:44) - The role of financial advisors
(34:02) - Holistic financial planning
(38:48) - Navigating divorce financially
(45:33) - Introducing enlightenHer
Get full show notes and links at https://mindful.money.
Watch the episode on YouTube: https://www.youtube.com/@MindfulMoney. -
In this episode of Mindful Money, we’ll explore how to choose the right financial planning approach—DIY, digital advisors, or human advisors—based on your needs, goals, and preferences. We’ll highlight key questions to ask, common risks, and the value of consistency and mindfulness in navigating your financial journey with confidence.
In this episode:
(00:00) - Intro
(01:09) - Changes coming in 2025
(04:33) - Honoring my brother’s legacy
(08:12) - Deciding if you need a financial advisor
(08:59) - Understanding different types of financial advice
(10:51) - The three key financial decisions
(13:01) - Exploring digital advisors
(14:15) - Benefits of human advisors
(18:59) - Questions to ask potential advisors
(26:41) - Conclusion and next steps
Get full show notes and links at https://mindful.money.
Watch the episode on YouTube: https://www.youtube.com/@MindfulMoney. -
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George Kinder is an author and international thought leader. Known in the financial industry as the father of Life Planning, George authored three books on money as he revolutionized client-centered financial advice through experiential trainings for thousands of advisors from more than 30 countries across six continents.
In this episode, I talk with George about his latest book, The Three Domains of Freedom, which explores achieving freedom through mindfulness, purposeful living, and societal change. We dive into the power of contemplative practices, the balance between financial necessity and personal growth, and the need for a fiduciary standard across all institutions to foster truth, democracy, and sustainability. George challenges us to embrace mindfulness as a tool for moment-to-moment mastery and discusses how intentional life planning can unlock true freedom. We also address systemic issues like economic inequality and environmental crises, offering hopeful solutions rooted in shared responsibility and ethical leadership.
In this episode:
(00:00) - Intro
(03:04) - George’s background and life journey
(05:16) - The financialization of life and its impact
(09:30) - The importance of mindfulness and contemplative practices
(17:15) - The Three Domains of Freedom
(21:43) - Reflecting on life’s final moments
(22:34) - The importance of relationships and legacy
(24:00) - Exploring the third domain of freedom
(27:21) - The fiduciary concept and its impact
(29:42) - Global standards and the prisoner’s dilemma
(32:18) - Revolutionizing corporate responsibility
(39:20) - Personal reflections and final thoughts
Get full show notes and links at https://mindful.money.
Watch the episode on YouTube: https://www.youtube.com/@MindfulMoney. -
Jordan Grumet found the spark to become a doctor after a deeply personal event reshaped his life's trajectory. The unexpected loss of his father, an oncologist, ignited a passion within him to practice medicine and instilled a unique vantage point that later melded seamlessly with his financial expertise. This convergence of roles has spurred him to explore profound notions like wealth, abundance, and financial independence with a thoughtful and critical lens.
In this episode, I talk with Jordan about the shift from chasing societal ideals to building true purpose. Jordan shares insights from his new book, The Purpose Code, emphasizing how embracing community and aligning with personal anchors of joy can lead to a fulfilling life. We also discuss the psychological impact of social media, generational trauma vs. generational growth, and the challenges of defining a moral and ethical life.
In this episode:
(00:00) - Intro
(03:24) - Jordan's early life and career
(07:44) - The mirage of wealth
(12:06) - Purpose and community
(13:55) - Lack of authenticity, purpose, and economics
(15:28) - Little "p" purpose vs. big "P" purpose
(20:34) - Purpose and impact
(24:11) - Generational trauma vs generational growth
(29:17) - Discovering Purpose Anchors
(32:17) - How to engage in your chosen purpose
(33:21) - Jordan's social media habits
(37:11) - The ultimate question of morality
(38:56) - Connect with Jordan
Get full show notes and links at https://mindful.money.
Watch the episode on YouTube: https://www.youtube.com/@MindfulMoney.
This podcast uses the following third-party services for analysis: Chartable - https://chartable.com/privacy -
Brian Herriot writes and speaks about the power of time freedom. As a financial coach and founder of Choosy Consultant, he helps mid-career professionals escape the corporate grind. His frameworks for personal growth and financial success all start with taking back control of our one truly limited resource: time.
In this episode, I talk with Brian about finding freedom and balance in your career. Brian shares insights from his journey as a consultant and founder of Choosy Consultant, where he helps mid-career professionals design lives that prioritize time over money. Emphasizing the importance of self-reflection, Brian advocates for “lifestyle freedom”—the ability to define and pursue personal success without succumbing to conventional career pressures. We discuss strategies for avoiding burnout, reimagining financial goals, and aligning one’s career with core values. Brian also touches on “the smile curve” of happiness and how he restructured his life to enjoy summers at a lakeside cabin, inspiring others to envision work as a means to support meaningful living.
In this episode:
(00:00) - Intro
(01:02) - Meet Brian Harriot
(03:37) - The path to entrepreneurship
(06:36) - The importance of time and lifestyle freedom
(07:35) - Career arc and founding Choosy Consultant
(10:57) - Balancing financial and professional freedom
(17:49) - The Smile Curve: Understanding life’s happiness arc
(21:50) - Navigating midlife transitions
(24:55) - Creative financial solutions
(25:45) - Breaking conventional thinking
(28:04) - Understanding the corporate grind
(30:05) - Balancing entrepreneurship and personal life
(41:02) - Investment strategies
(43:17) - Personal reflections
Get full show notes and links at https://mindful.money.
Watch the episode on YouTube: https://www.youtube.com/@MindfulMoney.
This podcast uses the following third-party services for analysis: Chartable - https://chartable.com/privacy -
In this final episode of our Modular Financial Planning series, we’ll explore “portfolio optimizers”—strategies that add a bit of extra return potential to a well-diversified portfolio. These steps, like managing taxes, flexible trading, and securities lending, can enhance outcomes but aren’t essential if you’ve followed our previous nine steps. If you’re already saving, investing, and rebalancing consistently, you’ve done enough. For those seeking a little boost, these optimizers may be worth exploring with your advisor.
In this episode:
(00:00) - Intro
(01:09) - Portfolio optimizers
(03:54) - Reducing expenses
(05:00) - Tax management
(07:48) - Investment factors
(12:53) - Securities lending
(14:18) - Flexible trading
(16:04) - Conclusion and next steps
Get full show notes and links at https://mindful.money.
Watch the episode on YouTube: https://www.youtube.com/@MindfulMoney.
This podcast uses the following third-party services for analysis: Chartable - https://chartable.com/privacy -
In this episode of Mindful Money, we break down the essentials of mindful investing within the larger modular financial planning framework. We’ll focus on three foundational practices: asset allocation, diversification, and rebalancing. These simple yet powerful steps can guide you to a successful long-term portfolio without succumbing to market predictions or emotional reactions. We’ll also discuss mindfulness exercises, like box breathing and body scans, to help manage the impulses of fear and envy in investing. By staying present and committed to these principles, you can navigate the market’s ups and downs with confidence and peace of mind.
In this episode:
(00:00) - Intro
(01:27) - The importance of managing investments and people
(06:21) - Core practices of mindful investing
(07:34) - Asset allocation explained
(10:55) - Diversification and its benefits
(12:40) - Rebalancing your portfolio
(18:49) - Mindfulness practices for better investing
(23:17) - The benefits of mindfulness on your investments
Get full show notes and links at https://mindful.money.
Watch the episode on YouTube: https://www.youtube.com/@MindfulMoney.
This podcast uses the following third-party services for analysis: Chartable - https://chartable.com/privacy -
In this episode of Mindful Money, we explore the choice between paying off low-interest debt and building taxable savings. While paying down high-interest debt is crucial, once that’s done, the focus should shift toward maximizing retirement savings and investing in taxable accounts. We'll discuss how the power of compounding can make investing more beneficial than paying off low-interest debt. We'll also touch on the flexibility that taxable accounts provide, especially in retirement, where they allow for tax-efficient withdrawals. Ultimately, financial planning is about building a life well-lived, not just accumulating wealth.
In this episode:
(00:00) - Intro
(02:27) - Reaching financial basecamp
(04:18) - Three steps on the way to the summit
(04:36) - Debt management vs. investment
(06:08) - Optimizing your financial decisions
(09:03) - The power of compounding
(10:33) - Investing vs. paying off debt
(12:09) - Taxable accounts and their benefits
(13:12) - Tax strategies for retirement
Get full show notes and links at https://mindful.money.
Watch the episode on YouTube: https://www.youtube.com/@MindfulMoney.
This podcast uses the following third-party services for analysis: Chartable - https://chartable.com/privacy -
In this episode of Mindful Money, we explore strategies for retirement planning. We’ll dive into the critical topics of saving, investing, retirement income, retirement age, Social Security, living arrangements, and more. We’ll also discuss investment strategies like maintaining a low withdrawal rate, diversification, and having a balanced portfolio, as well as practical advice on retirement accounts like 401(k)s and IRAs, and asset allocation. The goal is to help you make mindful financial decisions to ensure a secure retirement and build a lasting legacy.
In this episode:
(00:00) - Intro
(01:15) - Defining financial independence
(02:15) - Variables in retirement planning
(03:07) - Social Security and healthcare considerations
(04:27) - The need for early retirement planning
(07:15) - Mind the gap: calculating retirement needs
(08:56) - Withdrawal rates and portfolio management
(10:49) - Creating a legacy and setting savings goals
(11:45) - Choosing the right retirement account
(12:04) - Employer-sponsored plans and IRAs
(14:46) - Investment basics and compounding
(15:56) - Types of investments: owners vs. loaners
(18:40) - Building a diversified portfolio
Get full show notes and links at https://mindful.money.
Watch the episode on YouTube: https://www.youtube.com/@MindfulMoney.
This podcast uses the following third-party services for analysis: Chartable - https://chartable.com/privacy -
In this episode of Mindful Money, we talk about the critical step of eliminating high-interest debt, a common financial burden that hinders progress toward financial freedom. We’ll discuss the importance of identifying high-interest debt, the impact it has on your finances and health, and strategies for tackling it effectively through debt snowball and debt avalanche methods. We’ll also discuss the balance between debt repayment and investing, and the benefits of handling debts wisely to achieve a happier, financially stable life.
In this episode:
(00:00) - Intro
(00:58) - Understanding and tackling high-interest debt
(02:03) - Strategies for debt elimination
(07:30) - Balancing debt repayment and investing
(09:26) - Low-interest debt and financial strategy
Get full show notes and links at https://mindful.money.
Watch the episode on YouTube: https://www.youtube.com/@MindfulMoney.
This podcast uses the following third-party services for analysis: Chartable - https://chartable.com/privacy -
In this episode of Mindful Money, we dive into the importance of building an emergency fund as the foundation of a successful financial plan. The purpose of an emergency fund is to cover unexpected expenses and provide peace of mind. We'll discuss guidelines on how much to save based on different life stages, from young adults to retirees, and explore practical steps for calculating and building your emergency savings. An emergency fund is a crucial safety net to protect against financial setbacks and ensure long-term financial stability.
In this episode:
(00:00) - Intro
(01:07) - Building your emergency fund
(02:11) - What is an Emergency Fund?
(03:14) - How much should you save?
(04:51) - Emergency fund by life stages
(08:23) - Calculating your minimum emergency fund
(09:25) - When to use your emergency fund
Get full show notes and links at https://mindful.money.
Watch the episode on YouTube: https://www.youtube.com/@MindfulMoney.
This podcast uses the following third-party services for analysis: Chartable - https://chartable.com/privacy -
In this episode of Mindful Money, we’re discussing the critical step of adopting a savings habit. Spending less than you earn, establishing healthy financial habits early, and taking advantage of compounding interest are crucial. Create a vision for your ideal life and align your financial priorities with that vision. These steps, along with automating your savings and making mindful spending choices, will help you build financial security, eventually leading to a comfortable retirement.
In this episode:
(00:00) - Intro
(01:51) - The savings habit
(02:22) - Spend less than you earn
(03:38) - Two financial statements every business needs
(05:14) - Empathizing with your future self
(06:06) - Take advantage of compounding
(07:48) - Ranking your priorities
(09:44) - Automate your savings
(10:59) - Re-Investing your savings
(11:17) - Next steps
Get full show notes and links at https://mindful.money.
Watch the episode on YouTube: https://www.youtube.com/@MindfulMoney.
This podcast uses the following third-party services for analysis: Chartable - https://chartable.com/privacy -
In this episode of Mindful Money, we dive into step two of the modular financial planning process—developing a clear vision of your ideal life. It’s critical to think through each step in creating this vision, such as identifying personal values, declaring a meaningful purpose, envisioning your perfect life, writing a professional mission statement, and setting actionable personal goals. Following these steps will help you create a written financial plan that reflects your deepest values and aspirations. Financial security is a journey that requires acceptance, self-reflection, planning, and hope.
In this episode:
(00:00) - Intro
(01:13) - Understanding financial security
(02:18) - Developing your ideal life vision
(06:30) - Five essential elements of your vision
(06:46) - Identifying personal values
(07:45) - Stating your meaningful purpose
(09:34) - Picturing your perfect life
(11:04) - Creating a professional mission statement
(11:56) - Setting personal goals
(13:42) - Next steps
Get full show notes and links at https://mindful.money.
Watch the episode on YouTube: https://www.youtube.com/@MindfulMoney.
This podcast uses the following third-party services for analysis: Chartable - https://chartable.com/privacy -
In this episode of Mindful Money, we'll talk about the first step in the modular financial planning process. Contrary to common advice, financial planning should begin with understanding what is worth seeking in life. It's important to go through a process of self-discovery and introspection before setting financial goals. We'll explore the eight pillars of happiness and how they form the foundation for lasting happiness and effective financial planning. Join me as we learn how to align our financial decisions with what truly matters, ultimately leading to a fulfilling and satisfying life.
In this episode:
(00:00) - Intro
(01:08) - Life lessons from my father
(01:53) - Challenging materialism
(02:49) - The importance of self-discovery
(06:11) - Eight pillars of happiness
(06:15) - Health: The foundation of happiness
(07:21) - Engagement: Active participation in life
(08:15) - Relationships: The key to happiness
(10:56) - Meaning: Finding purpose in life
(12:09) - Accountability: Staying true to yourself
(13:16) - Generosity: The joy of giving
(15:55) - Optimism: The power of positive thinking
(17:15) - Gratitude: Appreciating what you have
(18:52) - Conclusion and next steps
Get full show notes and links at https://mindful.money.
Watch the episode on YouTube: https://www.youtube.com/@MindfulMoney.
This podcast uses the following third-party services for analysis: Chartable - https://chartable.com/privacy -
In this episode of Mindful Money, I'm introducing a new nine-part series about modular financial planning, and why I think it's the best approach for getting started. Specifically, we'll discuss the importance of having a financial plan, comparing the in-depth and all-encompassing nature of comprehensive plans to the simplified and focused approach of modular plans. A financial plan acts as a roadmap, helping to achieve long-term goals, optimize investments, manage debt, and even provide psychological benefits such as reduced anxiety. The next nine episodes will explore the modular financial planning process in detail, starting with understanding your values and priorities. Join me for this series as we aim to normalize the money conversation and use financial planning to build a life of stability, purpose, and joy.
In this episode:
(00:00) - Intro
(00:55) - Exploring financial planning approaches
(01:50) - Why having a financial plan is essential
(04:25) - Setting long-term financial goals
(05:51) - Coping with the psychological impacts of managing money
(07:04) - Two approaches to creating a financial plan
(07:16) - Comprehensive financial planning
(09:22) - Modular financial planning
(12:41) - The steps of a modular financial plan
(14:29) - Adopting a savings habit
(16:38) - What’s in store for this series
Get full show notes and links at https://mindful.money.
Watch the episode on YouTube: https://www.youtube.com/@MindfulMoney.
This podcast uses the following third-party services for analysis: Chartable - https://chartable.com/privacy -
Matt Wilkerson is the CEO and co-founder of Extern, a company on a mission to help anyone discover and launch their career through real professional experiences. Extern has created externships for leading companies such as AT&T, HSBC, Meta, PwC, Home Depot, and National Geographic, serving more than 35,000 students and career switchers.
In this episode, I talk with Matt about the externship model and its impact. Matt shares his journey from growing up in Atlanta, to attending MIT, and eventually founding Extern. He discusses the challenges students face in gaining practical work experience, particularly in the current landscape where traditional internships are becoming more scarce. We also discuss broader issues in higher education, such as the misalignment between academic training and real-world job requirements, and how Extern’s model seeks to reimagine the pathway from education to employment.
In this episode:
(00:00) - Introduction to Extern’s vision
(01:05) - Meet Matt Wilkerson
(01:49) - Matt’s early life and career aspirations
(03:02) - Entrepreneurial beginnings
(05:33) - The journey to MIT and beyond
(09:15) - Founding Extern
(15:15) - Challenges in higher education and employment
(25:11) - Skills-based hiring
(26:24) - Challenges in internship programs
(29:30) - Introducing the externship model
(30:36) - Scaling externships for broader impact
(41:06) - Measuring success and future plans
(45:38) - Final thoughts and advice for graduates
Get full show notes and links at https://mindful.money.
Watch the episode on YouTube: https://www.youtube.com/@MindfulMoney.
This podcast uses the following third-party services for analysis: Chartable - https://chartable.com/privacy -
Mark Murphy, CEO of Northeast Private Client Group, is an accomplished author, speaker, and motivator who’s revolutionizing the financial planning and wealth management industry. He helps entrepreneurs achieve multigenerational wealth through personalized strategies, leveraging his strategic planning and financial engineering expertise. Forbes has ranked him as the No. 1 financial security professional in NJ and #15 nationwide. Additionally, his book, The Ultimate Investment, is a No. 1 bestseller and new release on Amazon.
In this episode, I talk with Mark about his journey from financial adversity in his youth to a successful career in financial services. We discuss the importance of protecting entrepreneurial confidence, differentiating between owning a job and running a business, and the concept of transformational versus transactional investments. Mark also shares his philosophy of investing in oneself and shares his “Ikigai” framework for finding passion and purpose in one’s career.
In this episode:
(00:00) - Welcome to Mindful Money
(00:59) - Meet Mark Murphy
(01:55) - Mark’s early life and lessons on money
(04:02) - Career journey: From college to CEO
(05:43) - Insights from The Ultimate Investment
(06:26) - The difference between buying a job and running a business
(08:45) - Entrepreneurial mindset and confidence
(10:17) - Transformational vs. transactional investments
(13:55) - The Ikigai test: Finding your path
(19:43) - Advice for entrepreneurs
(22:55) - Mark’s perfect day
(23:52) - The last thing Mark changed his mind about
Get full show notes and links at https://mindful.money.
Watch the episode on YouTube: https://www.youtube.com/@MindfulMoney.
This podcast uses the following third-party services for analysis: Chartable - https://chartable.com/privacy -
Scott Rick is a marketing professor at the University of Michigan’s Ross School of Business. He holds a PhD in Behavioral Decision Research from Carnegie Mellon University, where he was a National Science Foundation graduate research fellow. He has published research in premier journals spanning marketing, psychology, economics, and neuroscience. At the University of Michigan, he has won awards for both research and teaching. Rick's research has been covered extensively in outlets such as The New York Times, The Wall Street Journal, The Washington Post, and NPR. His first book, Tightwads and Spendthrifts: Navigating the Money Minefield in Real Relationships, was published in January 2024 by St. Martin’s Press.
In this episode, I talk with Scott about common financial advice myths, how money occupies more space in our lives than it should, and the psychological factors that shape our spending personalities. Scott shares his personal experiences growing up with financial disparities and how those experiences influenced his financial behavior. We also dive into the dynamics of finances in relationships, addressing how couples can navigate financial conflicts to foster healthier relationships.
In this episode:
(00:00) - Welcome to Mindful Money
(01:05) - Meet Scott Rick: Behavioral decision researcher
(02:04) - Scott’s early life and money lessons
(04:57) - Teaching kids about money
(06:30) - The story behind tightwads and spendthrifts
(10:36) - Understanding tightwads and spendthrifts
(13:02) - Psychological and neurological factors in spending
(16:17) - Can financial personalities change?
(17:43) - Navigating financial behaviors in relationships
(20:48) - Opposites attract: Advice for financially mismatched couples
(22:00) - Setting up joint and separate accounts
(23:53) - Handling financial conflicts
(29:04) - And one thing couples should stop doing
(32:16) - Final thoughts and takeaways
Get full show notes and links at https://mindful.money.
Watch the episode on YouTube: https://www.youtube.com/@MindfulMoney.
This podcast uses the following third-party services for analysis: Chartable - https://chartable.com/privacy -
Vicki Robin is a prolific social innovator, writer, and speaker. She is the co-author with Joe Dominguez of the international best-seller and classic, Your Money or Your Life: Transforming Your Relationship With Money and Achieving Financial Independence, and author of Blessing the Hands That Feed Us: Lessons from a 10-Mile Diet. She is the co-founder of Conversation Cafes and of the 10-Day Local Food Challenge, and hosts the podcast/YouTube interview series, What Could Possibly Go Right?, inviting cultural scouts to shine a light on what’s emerging as the pandemic, climate, the economy, and polarization unravel the old normal. Currently, she blogs on aging on her Coming of Aging Substack.
In this episode, Vicki discusses her journey with frugality, consciousness in spending, and applying the concept of “enoughness” to financial independence. We explore Vicki’s life experiences, from growing up in Long Island to her time in various roles, including her innovative efforts in promoting sustainable living. She shares her insights on the current economic system, the importance of sufficiency over constant growth, and the evolving cultural awareness surrounding financial independence. We also discuss her reflections on aging, sustainability, and her efforts to adapt her home to address affordable housing challenges.
In this episode:
(00:00) - Intro
(01:01) - Meet Vicki Robin
(02:12) - Vicki’s early life and lessons on money
(04:29) - The journey to writing Your Money or Your Life
(09:20) - Cultural shifts and financial independence
(15:32) - Reflections on social change and aging
(23:52) - Embracing serenity and acceptance
(26:44) - Resilience and adaptation in times of collapse
(28:43) - Affordable housing solutions
(33:50) - Rethinking retirement and work
(38:42) - Personal reflections and impact of travel
Get full show notes and links at https://mindful.money.
Watch the episode on YouTube: https://www.youtube.com/@MindfulMoney.
This podcast uses the following third-party services for analysis: Chartable - https://chartable.com/privacy -
Dr. Darla Bishop, affectionately known as the FinanSis, is the Founder of Finansis LLC, a boutique consulting firm based in Lansing, Michigan, and the author of How To Afford Everything. Motivated by her own challenging childhood in Detroit, Dr. Bishop’s unique gift lies in her ability to motivate individuals to transcend limiting beliefs about wealth and cultivate a positive financial mindset. She firmly believes that empowering individuals with financial knowledge is pivotal in creating prosperous and resilient communities.
In this episode, I talk with Darla about her journey to becoming a renowned financial coach and professor. We discuss essential steps for financial awareness, the importance of mindset in managing money, and practical approaches to budgeting, debt management, and building multiple income streams. Darla also shares actionable tips on tracking expenses, changing financial mindsets, and achieving financial freedom through incremental wins.
In this episode:
[00:00] - Intro
[01:03] - Meet Darla Bishop
[02:48] - What Darla learned about money management growing up
[05:24] - The impact of financial advice from family
[07:10] - Darla's journey to financial literacy
[11:22] - Writing a book on personal finance
[14:27] - The importance of mindset in financial success
[15:13] - Identifying and changing unhelpful financial mindsets
[20:40] - Practical budgeting tips
[23:41] - Tackling debt
[28:57] - Multiple income streams
[33:49] - How to change your finances today
[35:11] - Redefining success
[37:14] - Travel and personal growth
Get full show notes and links at https://mindful.money.
Watch the episode on YouTube: https://www.youtube.com/@MindfulMoney.
This podcast uses the following third-party services for analysis: Chartable - https://chartable.com/privacy - Visa fler
