Episode 7 - Maggie Klokkenga on Cash Flow Foundations and Finding Your Tribe

Sarah Sprague Gerber welcomes Maggie Klokkenga, financial planner at Abundo Wealth and former solo practitioner who brings both CPA and CFP® expertise to her unique approach to financial planning.Maggie reveals why cash flow and spending awareness must form the foundation before any other financial planning can succeed, sharing innovative approaches like "budgeting blocks" that transform flat spreadsheets into 3D visualizations that create powerful "aha" moments for clients. She goes beyond traditional number-crunching by incorporating money emotions, mindfulness techniques, and vision boards to help clients align spending with their true values. She also shares her refreshingly honest journey from solo practitioner to team member at Abundo Wealth, offering permission and validation for advisors who realize that changing paths isn't failure - it's growth.Whether you're an advisor considering different practice models or someone struggling with where your money goes each month, Maggie's journey offers both practical strategies and permission to forge your own path."I cannot imagine not having done it because of all the wonderful relationships and things that I've done on my own that I just go, I did that."Resources Mentioned:Klontz Money Script Inventory (KMSI-R) - Free assessment to discover money beliefs from childhood (link to be provided in show notes)Budgeting Blocks by Amplified Planning - 3D visualization tool for spending categoriesPowerPay.org - Free website with debt payoff calculators and spreadsheetsThe Financial Wisdom of Ebenezer Scrooge by Rick Kahler, Brad Klontz, and Ted Klontz - Introduction to money scripts and intentional money management