The Mindful Millions Podcast

In this episode of the Mindful Millions podcast, host Cristina Perez and guest Ryan Rybarczyk discuss the foundations of real estate investing, emphasizing the importance of education, financial planning, and the risks involved. They explore the concept of being 'house rich and cash poor,' the significance of asset protection, and the emotional aspects of home buying. The conversation also touches on the benefits of building a reliable team of professionals and the challenges of property management. Ultimately, they highlight the need for intentionality in real estate investments to achieve financial freedom.Work with Cristina:Ready to take the next step in aligning your finances with your values? Visit mindfulmillions.co to learn more and connect with Cristina.Follow along for more:Stay inspired and empowered—follow Cristina on TikTok, Instagram, LinkedIn, YouTube, and Facebook @mindfulmillionsmgmgtYou may connect with Ryan Rybarczyk on his website, or through social media: Website: https://ryanr.longrealty.comInstagram: https://www.instagram.com/ryanrybarczyk/Linktree: https://linktr.ee/RyanRybarczykRealtor?fbclid=PAZXh0bgNhZW0CMTEAAafQlLxmjuc5SepKg3wVMXJqZeBdExd8ToEWTvT4PeACVwpj1mppkx1vFbUhJA_aem_3MA3ARx8D59O8y2C1CgSegView Legal Disclaimers 

In this episode of the Mindful Millions podcast, host Cristina Perez and Jesse Cramer delve into the intricacies of financial planning models. They discuss the differences between fee-only, fee-based, and hybrid advisors, emphasizing the importance of transparency and understanding how advisors are compensated. The conversation also explores the DIY approach to financial planning, the pros and cons of various models, and how to choose the right financial advisor for individual needs. The episode highlights the significance of education and awareness in navigating the financial landscape, ultimately aiming to empower listeners to make informed decisions about their financial futures. TakeawaysFinancial freedom is an inside job.Understanding how advisors get paid is crucial.The fee-only model eliminates conflicts of interest.Transparency is key in financial advising.Different financial planning models cater to different needs.The DIY approach empowers individuals to take control of their finances.Education is vital in financial planning.Not all advisors are the same; choose wisely.Pros and cons exist for every financial planning model.Engaged clients lead to better financial outcomes.Chapters00:00 Introduction to Financial Planning Models05:49 Understanding Fee-Only vs. Fee-Based Advisors10:32 Exploring Hybrid Models and DIY Financial Planning15:47 Pros and Cons of Fee-Only Financial Planning20:50 The Role of Insurance in Financial Planning25:35 Navigating Complex Financial Situations30:45 Choosing the Right Financial Advisor35:25 Final Thoughts on Financial PlanningConnect with Jesse Cramer: LinkedIn: https://www.linkedin.com/in/jesse-cramer-11b58155/Work with Jesse: https://bestinterest.blog/work/ Blog: https://bestinterest.blogPodcast: https://bestinterest.blog/personal-finance-for-long-term-investors/Further Reading Article Mention:  "19 questions to ask your Financial Advisor" Article by Jason Zweig: https://jasonzweig.com/the-19-questions-to-ask-your-financial-adviser/Work with Cristina:Ready to take the next step in aligning your finances with your values? Visit mindfulmillions.co to learn more and connect with Cristina.Follow along for more:Stay inspired and empowered—follow Cristina on TikTok, Instagram, LinkedIn, YouTube, and Facebook @mindfulmillionsmgmgtView Legal Disclaimers 

In this episode of the Mindful Millions podcast, host Cristina Perez and guest Julia Carlos discuss the intersection of financial literacy, accounting, and tax planning. They explore the journey of becoming an accountant, the importance of financial literacy, and the various tiers of financial planning. The conversation delves into common tax planning pitfalls, the significance of entity structure, and the psychological barriers that small business owners face. They emphasize the need for collaboration with financial professionals and provide actionable steps for small business owners to improve their tax planning and financial management.Connect with Julia Carlos:https://summitadvisorsoc.com/https://westernpremiercoaching.com/Office Phone - (949) 796-3438Work with Cristina:Ready to take the next step in aligning your finances with your values? Visit mindfulmillions.co to learn more and connect with Cristina.Follow along for more:Stay inspired and empowered—follow Cristina on TikTok, Instagram, LinkedIn, YouTube, and Facebook @mindfulmillionsmgmgtView Legal Disclaimers 

In this episode of the Mindful Millions podcast, host Cristina Perez engages in a heartfelt conversation with her mother, Maria Perez, about the evolution of budgeting and its significance in achieving financial health. They discuss personal experiences with budgeting, the emotional barriers that often accompany financial management, and various budgeting methods. The episode emphasizes the importance of aligning financial goals with personal values and reframing budgeting as a tool for empowerment rather than restriction.TakeawaysBudgeting is essential for financial health and peace of mind.Starting to budget can be done with simple tools like a notebook.Emotional barriers often hinder effective budgeting practices.Different budgeting methods can cater to individual preferences and lifestyles.The importance of aligning financial goals with personal values.Budgeting should be seen as a choice to direct cash flow towards priorities.Consistency in budgeting leads to better financial awareness and control.Automated budgeting tools can save time and enhance efficiency.Understanding one's relationship with money is crucial for financial success.Financial literacy is a continuous journey that requires education and practice.Chapters00:00 Introduction to Mindful Budgeting02:56 The Evolution of Budgeting Practices13:01 Comparing Budgeting Methods24:48 Emotional Barriers and Mindset Shifts30:51 Final Thoughts on BudgetingSound Bites"What gets measured gets managed.""The budget is just the guidelines.""You can start with a notebook."Work with Cristina:Ready to take the next step in aligning your finances with your values? Visit mindfulmillions.co to learn more and connect with Cristina.Follow along for more:Stay inspired and empowered—follow Cristina on TikTok, Instagram, LinkedIn, YouTube, and Facebook @mindfulmillionsmgmgtView Legal Disclaimers 

In this episode of the Mindful Millions podcast, host Cristina Perez shares her journey from traditional financial services to founding her own financial coaching business. She emphasizes the importance of financial literacy, personal values, and the emotional aspects of wealth. Cristina introduces her tiered financial planning approach and discusses her mission to serve underserved communities, aiming to create a new financial culture rooted in equity and wellness.Chapters00:00 Introduction to Mindful Millions Podcast02:19 Cristina's Journey and Career Evolution04:36 The Philosophy of Financial Planning07:56 Key Takeaways from the Podcast10:29 Building a New Financial CultureWork with Cristina:Ready to take the next step in aligning your finances with your values? Visit mindfulmillions.co to learn more and connect with Cristina.Follow along for more:Stay inspired and empowered—follow Cristina on TikTok, Instagram, LinkedIn, YouTube, and Facebook @mindfulmillionsmgmgtView Legal Disclaimers