March 12, 2026
Money Doesn’t Have to Be Scary: The 5-Minute Habit to End Financial Anxiety - with Suzette Wheeler
Have you ever felt that little knot in your stomach when it comes to money - maybe you avoid the bank app or just feel like "numbers aren't your thing"?
Suzette Wheeler is basically the finance whisperer we all needed years ago. She has over 30 years of experience, but she talks about money in a way that actually makes sense for our real lives.
We get into the heavy stuff that midlife can throw at us, like navigating finances after a divorce or losing a spouse, but we also talk about the simple, everyday wins.
Suzette shares these brilliant "math hacks" that help you save money at the grocery store and clear the fog around credit cards without feeling like you're back in a stressful 10th grade algebra class.
The biggest takeaway for me was that financial literacy isn't about being a math genius; it's about freedom and peace of mind. It's about making sure we aren't "left out in the cold" and instead feel grounded and confident in the lives we’re building.
Suzette is so encouraging and reminds us that it’s never too late to start asking questions and taking the lead on our own checkbooks.
We dive into:
- Why so many of us feel stuck or intimidated by money
- Practical hacks to keep more of your hard earned cash
- Navigating big life shifts like widowhood or divorce
- The simple "50/30/20" rule for a stress free budget
- How to start teaching the next generation so they feel empowered too
I walked away from this one feeling so much lighter, and I know you will too. You’ve got this, and you definitely don’t have to do it alone!
Connect with Suzette:
- Website: https://suzettetwheeler.com/
- LinkedIn: https://www.linkedin.com/in/suzette-t-wheeler-mba/
- Book: Math Hack Secrets: Level Up To Keep More of Your Money
- Contact: https://suzettetwheeler.com/contact/
Thank you for spending time with me today on the Thrive After 45™ podcast! If this episode spoke to you, be sure to hit that follow button so you never miss one.
And if you loved it, I’d be so grateful if you left a review - it helps more amazing women like you find this show!
Your journey doesn’t stop here - let’s keep the conversation going! Connect with me at denisedrinkwalter.com, and follow @thethriveafter45podcast for daily insp, tips, and support.
Remember, midlife isn’t the end - it’s just the beginning of a new, exciting chapter! Keep thriving, keep shining, and I’ll see you next time!
WEBVTT
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Hello, and welcome to today's episode of Thrive after 45.
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I'm Denise Drink Walter heart whisperer, midlife mirror and mentor.
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And every week I am honored to share energy and space with inspiring guests.
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Whose stories reflect so many possibilities of thriving beyond 45?
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Together we'll uncover the whispers of the heart, the power of midlife transformation, and the wisdom that fuels expansion.
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What changes when money stops feeling intimidating and starts feeling understandable.
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It is an honor and a privilege to welcome Suzette Wheeler to the show today.
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Suzette brings more than 33 years of experience working at the intersection of finance strategy.
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And real world decision making.
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She spent three decades leading financial analysis and business innovation projects for local governments, and since 2013, has worked in a residential and commercial real estate as as an advisor helping individuals and organizations make informed, grounded.
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Financial choices.
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She holds a master of business administration with an emphasis in finance and economics.
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But what truly defines Suzette's work is her ability to translate complex financial concepts into language people can not only understand, but use and use effectively.
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As an author and professional speaker, Suzette is dedicated to building financial literacy for the non-financially literate, helping people move from confusion and avoidance into clarity and confidence.
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She is the author of MA Math Hack Secrets, level Up To Keep More of Your Money.
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It's a practical guide that's designed to empower everyday people to improve their financial picture without feeling overwhelmed.
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And since stepping into professional speaking in October of 2025, Suzette has.
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Already impacted over 350 lives, and she continues to be invited into associations, conferences, and events to speak on financial literacy as a foundational skill, not just a numbers game.
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Today we'll explore what it means to truly understand money.
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Why so many capable people feel stuck around it and how financial literacy can quietly but powerfully change lives.
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So wonderful to have you hear Suzette today, and as I was reading that intro, I'm putting my hand up going, yep, that's me.
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It's not a numbers game.
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Oh, I hate numbers.
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It's not my thing.
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So good to have you here.
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Thank you very much.
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So what is financial literacy?
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What is that?
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Financial literacy is the ability to basically simplify any sort of situation that you come across.
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Financially, like with, has to do with grocery shopping, mortgages, car loans, loans, credit cards, and be able to understand it so that you can make wise decisions and save a lot of money and save more of your money.
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So.
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This is brilliant.
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Thank you for just what we, our introduction shared.
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You make the complex, understandable, and now all of what I thinking about financial literacy makes incredible sense.
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So thank you for the work that you do.
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And I know it's not only for just our audience of women thriving after 45, but I know this will be impactful for.
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Children right on through to adulthood.
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Yeah, definitely.
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Yeah.
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De yeah.
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I think, um, yeah, children, the, when I was, let's just say when I was growing up, yeah.
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We had a class called Home Economics and yeah.
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And not only did we sew pillows, but we learned about financial literacy.
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We learned about how to balance a checkbook, how to understand credit, how to understand your checking account, how to spend well, how to save more.
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And those classes, many of those classes are not offered now in high schools or even middle schools where I, I had my class in the middle school, right?
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So they're not offered and.
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So this, when I thought about all of this, I said, I have to write a book about this because there's so many people that need this.
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They need to learn how to keep more of their money in their pocket by making these wise decisions.
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And they didn't, they may not have had this class.
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So this just make made perfect sense for me.
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I love that.
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You know, in our household, I'm gonna s shine a little light here that my family might be like, really?
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You said that, but I'm gonna do it anyway.
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In our household, as the children were growing up, I was known you had language prob you wanted to do your language homework, you went to mom, you wanted to do your math homework, you went to dad.
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Right?
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There was, that's just what happened in our house.
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In order to get through it as quickly as possible and as functionally as possible.
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With as much understanding as you could because I always felt, I'm not the numbers girl.
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I don't do numbers.
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I don't, I don't wanna do money, Paul, you do money.
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I have to tell you though, that has changed over time in terms of me understanding more around money.
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And I think what's really important in this conversation is, particularly for us as women in midlife, is if we don't understand and have the foundations.
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We are gonna be left out, quote unquote, in the cold, aren't we?
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Because right.
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There's so many things that if you don't understand the literacy of the finances and understand money and the numbers that are associated, how it all works.
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There are so many things that can happen in life at any point in time, but our audience being 35 or 45 plus thriving, we need to understand that.
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And so you talk about, in your book about hacks.
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Are there such things as hacks to understand how this works?
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Yes.
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There's um, there's these math hacks and once you.
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Figure these out and start learning these, you're gonna go, oh my gosh, I didn't realize how much I could save.
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And you know, they thrive after 45.
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Mm-hmm.
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I have met in my, my speeches, I always talk to the people after the speech.
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Yes.
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They're one who lost their husbands and their husband was the main financial guy.
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Now they have to be that financial person to manage their own finances.
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There's so many things Or, or divorce or, you know.
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Yeah.
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Any sort of life changes or you start, you bring in a family member who is disabled or is Yeah.
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You know, needs help and, and so that changes your whole family finances.
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There's so many things that could happen that could change your life.
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Right.
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You know?
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Yes, yes.
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Even marriage or remarriage, you know, all of that can change.
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A thousand percent.
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And it's interesting you say that because we at midlife, there's a lot of things that shift and change in our lives, whether we want them to or not.
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It can go either way, but yes, totally.
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And so circumstances are opening up our eyes.
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Let's try and do it before circumstances might have to arise for us to wake up.
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How can we do that?
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Tell us about these hacks.
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Give us an idea of what's, what's coming up in terms of.
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Some ideas from your book that we as listeners can go, oh my gosh, I didn't even think of that.
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Yeah, so, um, I, I'm pulling up chapter two and it talks about percents.
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And we may have learned about percents in, in like, it would been middle school, maybe even elementary school.
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Mm-hmm.
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And percents off like percent.
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You usually see something that says 20% off, 30% off, 50% off.
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Gotta get this deal if you sign up tomorrow, you know?
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Yeah.
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Yeah.
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And you're thinking, great, I gotta sign up right away because 20% sounds like a lot of money.
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Yeah.
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But do you really know what 20% off is?
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I mean, can you quickly calculate that?
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This, uh, this book talks about that, about how to quickly calculate and figure out if a like 20% off of, let's say a hundred dollars, that's$20.
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Mm-hmm.
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That makes the product$80.
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Is that really a good deal?
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Is that a really good deal?
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Or is there something else out there that may not be on sale but is a better deal?
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Right.
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And you can pick some, you can pick and choose.
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Like a grocery store too, like X percent off or this product is now buy one.
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Have you seen the buy one get one 50%?
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Yes.
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How much is it really?
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And so again, it's calculating like if you had$10 and And the second one that would be half off, that'd be half off.
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That's$5.
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So the two items together is$15, which means each one is$7 and 50 cents.
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So you do that quick math.
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Yeah.
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And then you, on the opposite, on both sides of that aisle and the, the other items for sale.
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Like, well, maybe they're not on sale, but maybe they're$2 cheaper than that.
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You don't know until you start doing the quick math.
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Yeah.
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And that's, that's the math hack.
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The percent right.
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You see it everywhere.
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That's a very important one.
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Yeah.
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Yeah.
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And, um, there's some other things in here too, like, um, I go into, uh, credit cards and to really, really understand credit cards.
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Mm-hmm.
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The, the interest rate and making sure that you monitor your interest rate, your minimum payment due, you usually have a minimum payment due, right.
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Your maximum balance, and then having a plan to pay off that credit card and the other credit cards.
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So there's actually a method that I teach about.
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Reducing your debt overall on credit cards.
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And I know in the United States there's a lot of credit card debt.
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There's people that they don't think about comparing prices, picking the best price or cutting back on some of their wants, you know, and seeing their needs, but not buying everything that they see.
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So there's, this is a way to, to rethink the way you spend as well.
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Mm-hmm.
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Love that.
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Love that.
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And yeah.
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Do you find, we had this conversation in my house a few days ago about, oh, I ne I am never, if ever, rarely have cash anymore because everything can just be, oh, you know, ping, ping, ping, ping from my phone, from my watch anymore if I wanted to set it up.
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Is that dangerous because of ease.
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Do you find that there's more, um, happening in terms of financial strain because of the ease of which, and people aren't making the connection?
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This is plastic.
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Oh yes, it's going up, but we're really not understanding what are we really doing with our finances in that regard?
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Yes.
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The, um, it's so easy to tap and pay.
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Yeah.
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It's so easy just to get outta the store with whatever you want.
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Mm-hmm.
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But one thing about cash.
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Yep.
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I like using cash and I like using cash because you can actually watch the money, leave your hands and go into the person that is taking your order or purchase.
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Mm-hmm.
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And if you're out and about and you're buying a hamburger or you're buying something, and if you have cash in your wallet, say, okay, my budget this week, 200.
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$200 and I'm going to spend it on, you know, groceries or this or that, and you can actually watch how your money is leaving your pocketbook.
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And if you're, you're out of your$200, all of a sudden it's like, oh, oh no, I need to make another withdrawal.
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Then you can kinda see that you may be overspending.
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There might be an opportunity to, to cut back on that, on that spending.
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Right.
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But that's why cash, because you can actually see it.
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You can see those expenditures.
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It's not so easy.
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Like a credit card.
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Right, right.
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Yeah, yeah, yeah.
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Very good.
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Yeah.
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Um, were there in terms of financial literacy and actually being taught from family or school or whomever, um, um, how.
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You mentioned that it was happening in home economics, and of course a lot of times those are completely gone anymore'cause those are the extras.
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Mm-hmm.
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And um, so where are people gonna be getting their information about money?
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How to spend where, obviously you, but how else can people also start to understand money in a way that they haven't before?
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I, uh, well, I'm gonna be putting a online program together where it walks the person, yay.
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Signs up all the way through the process, and we're gonna have some group, um, coaching calls as well, so we can share successes and, and, and talk about that and answer any questions, because I have, if you read, you know, the, the book, you can get a pretty good understanding, but.
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The, uh, the online's gonna make it even easier for someone to, to go through that process, because I've noticed and from, I like to talk to a lot of people, and especially the people that my, my seminars and my groups that, you know, how did you learn this?
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They said, well, we really didn't, you know, we didn't, we didn't know, you know, our, our parents didn't, didn't even know.
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Yeah.
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Our parents were always in debt.
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So, yeah, it's, uh, it's.
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It's definitely just trying to get yourself educated in the basics and learn how, like start at the grocery store.
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That's the first place to start.
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Yeah.
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Start comparing prices and things like that.
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It's amazing what you can save there.
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It's, and.
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And it's, we do it E all the time.
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We're always, it's not like we're going out of our comfort zone.
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We're not doing a, oh my gosh, I'm gonna go buy this big thing over here.
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How do I create the plan to make that happen?
00:15:02.634 --> 00:15:10.313
What I'm hearing you say, and please correct me if I'm wrong, you still need to do the budget piece for everything.
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Otherwise you're going to end up overspending.
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As a result of not being planned.
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Mm-hmm.
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Yeah, so definitely I, I have a chapter just on budgets, just on creating the profit and, um, all sorts of budgets, not just your personal budget, but budgeting for your holiday spending.
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For, you know, Christmas, Hanukkah, things like that.
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Budgeting for, well, we have, uh, Thanksgiving, but like your national, national holiday, you're having a big event.
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Budgeting for that and putting your budget together for that is just so important.
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The, but there is a budgeting set and I will, I'll offer this little hack.
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Uh, a truly the best kind of budget is one where 50%.
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Of the items are needs.
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So 50% of your budget are needs.
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So things you have to pay, utilities, rent, car loan, credit cards, things you have to pay.
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Mm-hmm.
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And then you have a, uh, 30%.
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Which is wants, and those wants could be adjusted depending on how big your needs percentage is.
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'cause you may be paying more than 50%, right?
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Maybe you have with, you add it all up and it's somewhere like 60%.
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So your wants are the other things that you want to do.
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Like, you want to go to dinner out, go up to dine out, wanna go to a movie, wanna go to a show.
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All these things that are wants.
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And then the other 20% are, is savings.
00:16:41.783 --> 00:16:43.943
And that should be money that you put aside.
00:16:44.124 --> 00:16:57.504
I would say at least five, 10% of your budget should be savings because you'll be thanking yourself in the future when you have that money, not just for retirement, but have an emergency fund that you set aside money.
00:16:57.803 --> 00:17:01.313
So something breaks, your car, breaks down, something else happens.
00:17:01.313 --> 00:17:03.443
Your life insurance policy comes due.
00:17:03.443 --> 00:17:06.054
You have an annual, uh, registration due.
00:17:06.203 --> 00:17:06.784
You can pay for it.
00:17:07.449 --> 00:17:09.818
You have the money, you're not putting yourself in debt.
00:17:10.273 --> 00:17:10.624
Right.
00:17:11.044 --> 00:17:11.463
For debt.
00:17:12.219 --> 00:17:12.878
Right.
00:17:13.838 --> 00:17:25.538
Are there any aspects that you talk about in your financial literacy components that talks about um, investing?
00:17:27.243 --> 00:17:27.463
Yes.
00:17:27.469 --> 00:17:27.788
Yes.
00:17:27.999 --> 00:17:28.388
Okay.
00:17:29.273 --> 00:17:38.334
So when you first, when you're starting off and you're putting money away, you're usually putting it into like a savings account or a money market account.
00:17:38.933 --> 00:17:41.009
Then when the money starts growing.
00:17:41.828 --> 00:17:45.128
Then you wanna put it into higher interest earning investments.
00:17:45.159 --> 00:17:45.489
Mm-hmm.
00:17:45.729 --> 00:17:51.278
And that could be your next step could be a certificate deposit or some other type of thing.
00:17:51.759 --> 00:17:59.499
But when you get enough money together, you'll want to start putting that into either a 401k, we have a 401k retirement account.
00:17:59.858 --> 00:18:05.558
Or, um, some sort of, uh, investment account that you can save for your retirement.
00:18:06.068 --> 00:18:06.159
Mm-hmm.
00:18:06.398 --> 00:18:11.318
And in those cases, that's where a financial advisor comes in, right?
00:18:11.348 --> 00:18:16.058
And that is a person that can help guide you in that direction.
00:18:16.058 --> 00:18:26.769
So you have to be really careful about choosing a financial advisor that they're, that you have a bit of safety in there because you know it investments, they can be.
00:18:27.489 --> 00:18:31.659
They can pay wonderful dividends or they could also lose.
00:18:31.659 --> 00:18:33.098
So you have a win-loss.
00:18:33.098 --> 00:18:37.328
You, you have to, based on your risk, the risk, right into that investment.
00:18:37.328 --> 00:18:39.878
So yeah, that's where financial advisor come in.
00:18:40.298 --> 00:18:51.459
I, I sell real estate and I, I'm a financial advisor for real estate, so I help people buy and sell and I'm, I, I look at everything from a financial perspective.
00:18:51.669 --> 00:18:52.028
Sure.
00:18:52.509 --> 00:18:55.689
So I'm looking at everything that they're buying and selling is, can they make money?
00:18:56.094 --> 00:18:56.634
Right.
00:18:56.723 --> 00:18:57.023
Okay.
00:18:57.023 --> 00:18:57.953
How can they make money?
00:18:57.953 --> 00:19:00.443
When's a good time to maybe switch us out?
00:19:00.894 --> 00:19:10.104
Um, can they, we have a, well, we have a rule called 10 31 Exchange where you can save on taxes if you, if you wanna trade out real estate, that type of thing.
00:19:10.104 --> 00:19:12.653
But there's a lot of features there, but, right.
00:19:13.223 --> 00:19:22.763
My specialty, but for, for investing in like 401k or other types of investment vehicles for retirement, that's, that would be a financial advisor.
00:19:23.183 --> 00:19:23.544
Yeah.
00:19:23.574 --> 00:19:24.054
Okay.
00:19:24.683 --> 00:19:25.314
Perfect.
00:19:25.628 --> 00:19:26.318
Perfect.
00:19:26.828 --> 00:19:43.929
Is there anything else that's coming up for you as you've, you know, you mentioned earlier you have, when you go in and do your speaking engagements, people will come to you and say, I don't know a thing, and I'm now single and I've been married for 25, 30 years.
00:19:44.469 --> 00:19:44.588
Yeah.
00:19:44.588 --> 00:19:45.223
What do I do?
00:19:45.338 --> 00:19:55.088
Is there anything that you can share with us as we get ready to close that you really wanna make sure people and women that are listening.
00:19:56.273 --> 00:19:58.104
What is a really good thing?
00:19:58.104 --> 00:20:02.453
Instead of pushing the panic button, what can we do instead of pushing the panic button?
00:20:03.773 --> 00:20:12.473
I think for if you, if you find yourself in a situation like that, the first thing that you should do is figure out what your budget is.
00:20:12.594 --> 00:20:14.903
Figure out what your income coming in is.
00:20:15.324 --> 00:20:16.374
What it will be.
00:20:16.433 --> 00:20:17.874
'cause things will be changing as well.
00:20:17.874 --> 00:20:23.993
Of course you'll be receiving other, you know, there maybe if your spouse passed, you'll be receiving income from there possibly.
00:20:24.324 --> 00:20:24.503
Right.
00:20:24.503 --> 00:20:26.124
But you have to figure out what your budget is.
00:20:26.124 --> 00:20:28.223
I mean, how much are you spending right now?
00:20:28.223 --> 00:20:29.034
Mm-hmm.
00:20:29.034 --> 00:20:31.344
And how much money are you bringing in right now?
00:20:31.824 --> 00:20:34.144
And that's, that may be hard trying to put all that together.
00:20:34.463 --> 00:20:39.653
I actually have a spreadsheet that, that I share with my, the participants when I, when I go out and speak.
00:20:39.653 --> 00:20:41.328
So if anyone wants that, send me an email.
00:20:41.723 --> 00:20:46.074
Nice and I'll the, the spreadsheet, but yeah, so anyway, yeah.
00:20:46.134 --> 00:20:47.693
Figure out what your budget is first.
00:20:47.693 --> 00:20:47.753
Yeah.
00:20:47.933 --> 00:20:53.213
And figure out what your expenses are, because the first thing you're gonna wanna do is stop the red ink.
00:20:53.273 --> 00:20:56.663
You're gonna wanna stop any sort of a large expenditure.
00:20:57.084 --> 00:21:04.554
You may have to cut out some things just to make sure that you, that you're not, you know, spending too much money.
00:21:05.423 --> 00:21:06.173
Right after that.
00:21:06.173 --> 00:21:13.374
And you may not have ever had to write a check or even deal with the checking account because maybe the husband had it, you know?
00:21:13.614 --> 00:21:13.973
Yeah.
00:21:13.973 --> 00:21:20.094
But when things like that, yeah, you definitely have, that's the first step, is figure out where your income is and what your expenses are.
00:21:20.094 --> 00:21:21.773
Find out where you are right now.
00:21:21.788 --> 00:21:22.209
Mm-hmm.
00:21:22.334 --> 00:21:23.364
Mm-hmm.
00:21:24.294 --> 00:21:32.273
And, uh, I think, yeah, I, I, with what's coming up for me too, which I think is from my thinking, is really important.
00:21:33.443 --> 00:21:36.894
I need women to listen and understand that.
00:21:36.894 --> 00:21:40.644
They need to know that they're not alone on this.
00:21:41.604 --> 00:21:46.913
There's a reason why Suzette is doing financial literacy.
00:21:47.394 --> 00:21:52.943
It's not because there's myself sitting in the corner going, I don't know what I'm doing.
00:21:53.483 --> 00:21:55.433
Clearly there's a need for this.
00:21:55.433 --> 00:21:58.763
You are not alone, so don't feel like.
00:21:59.588 --> 00:22:00.578
You can't do it.
00:22:00.578 --> 00:22:02.588
Don't feel like this is too much.
00:22:02.739 --> 00:22:12.219
It's, there's a lot going on, but it is doable and that's why Suzette's doing what she's doing because it's out there.
00:22:12.219 --> 00:22:17.199
And you'd be surprised how wide and deep it exists, right?
00:22:17.473 --> 00:22:17.834
Mm-hmm.
00:22:18.773 --> 00:22:23.933
And I would say even before any sort of event happens just now.
00:22:23.963 --> 00:22:24.144
Yeah.
00:22:24.384 --> 00:22:25.163
Yes.
00:22:25.193 --> 00:22:34.193
If your, if your husband or wife is doing all the finances to ask to be able to be included in that so that you can understand what's happening now.
00:22:34.644 --> 00:22:34.824
Yeah.
00:22:35.094 --> 00:22:38.723
And, and be yet educated and say, I, I really wanna learn this.
00:22:38.784 --> 00:22:43.134
I, I really want to know, um, to understand and appreciate.
00:22:43.463 --> 00:22:52.794
What our budget is, what our income is, and, and where money's being spent so that I, you know, unfor, if any unfortunate thing happens, it'll, I'll be okay.
00:22:52.979 --> 00:22:53.269
Yeah.
00:22:53.269 --> 00:22:54.804
So yeah, start now.
00:22:55.344 --> 00:22:55.913
Love that.
00:22:55.913 --> 00:22:56.753
Start understanding now.
00:22:57.804 --> 00:23:00.173
And you can't really start too young.
00:23:00.594 --> 00:23:01.824
You really can't.
00:23:01.824 --> 00:23:09.384
So if you have children and you're like, uh, but they're only six and seven, I'm sure Suzette would say there's.
00:23:10.253 --> 00:23:12.173
There's things you could do, right, Suzette?
00:23:12.534 --> 00:23:13.733
Yeah, definitely.
00:23:13.794 --> 00:23:15.023
Definitely start.
00:23:15.534 --> 00:23:24.413
I'd say the grocery store is like your first place and having them actually work with them on like a, a savings account and start Yes.
00:23:24.473 --> 00:23:25.163
Generating one.
00:23:25.163 --> 00:23:29.003
It could be in your name, but that they're, they're putting their allowance and savings account.
00:23:29.003 --> 00:23:31.703
Just something to get them started and understanding money.
00:23:31.949 --> 00:23:32.298
Right.
00:23:32.304 --> 00:23:32.394
Right.
00:23:32.753 --> 00:23:32.874
Mm-hmm.
00:23:33.503 --> 00:23:37.134
Because what we don't want is people freezing and.
00:23:37.838 --> 00:23:46.358
The whole negative connotation around it because we know it's part of life is money in and out.
00:23:46.868 --> 00:23:47.288
Right?
00:23:47.348 --> 00:23:50.469
It's, it's, it's what we have to do.
00:23:50.919 --> 00:23:51.009
Mm-hmm.
00:23:51.249 --> 00:24:05.919
So in order to do the best for you by you, because of you learning all of the pieces that can be scaffolded in a way that makes sense for you no matter where you are on the continuum of understanding.
00:24:06.683 --> 00:24:09.503
And the financial literacy aspect, right?
00:24:09.503 --> 00:24:10.403
Mm-hmm.
00:24:10.410 --> 00:24:10.669
Yeah.
00:24:11.019 --> 00:24:11.308
Yeah.
00:24:11.358 --> 00:24:12.028
Definitely.
00:24:13.038 --> 00:24:13.328
Yeah.
00:24:13.439 --> 00:24:13.929
Amazing.
00:24:14.509 --> 00:24:14.929
Mm-hmm.
00:24:15.413 --> 00:24:28.763
This is exciting and I'm, I'm excited to, to hear that and to know and encourage you to start moving forward on your, your financial journey, you, the audience, and, and start learning about this.
00:24:28.763 --> 00:24:30.233
Yeah, absolutely.
00:24:30.233 --> 00:24:30.953
Absolutely.
00:24:31.074 --> 00:24:32.364
And of course.
00:24:33.384 --> 00:24:36.923
The book is available and we will have that in the show notes.
00:24:36.923 --> 00:24:45.923
If you're watching on YouTube, we have it up on the screen, so if you're not watching on YouTube and you wanna see the visual jump over and check it out.
00:24:46.403 --> 00:24:53.993
Um, we'll have all of that in the show notes so that we will have ways that you can follow Suzette connect with her.
00:24:54.689 --> 00:25:02.939
Um, find out more about this new online course that I'm so happy to be able to spread the news on that.
00:25:03.628 --> 00:25:13.199
Is there anything Suzette, you would love to leave our audience with, knowing that they get an opportunity to do this for themselves?
00:25:13.203 --> 00:25:13.919
By themselves?
00:25:13.919 --> 00:25:15.298
Because of themselves.
00:25:15.509 --> 00:25:15.598
Mm-hmm.
00:25:15.838 --> 00:25:19.709
Um, is there anything that you would love to share as a closing point?
00:25:20.469 --> 00:25:23.199
Yeah, you, I, I say you can do this.
00:25:23.253 --> 00:25:23.473
Mm.
00:25:23.733 --> 00:25:26.528
You can do this, you can learn this.
00:25:26.558 --> 00:25:27.788
This is not hard.
00:25:28.148 --> 00:25:29.798
This is really easy.
00:25:30.368 --> 00:25:36.219
I mean, I, I learned it in like, I, my dad forced me to learn it in like third and fourth grade.
00:25:36.219 --> 00:25:37.479
'cause I was failing math.
00:25:37.659 --> 00:25:40.179
I say I am not a, I'm not a natural math person.
00:25:40.179 --> 00:25:40.808
Just saying.
00:25:40.808 --> 00:25:44.439
So if you're not a natural math person, you can still do this.
00:25:44.443 --> 00:25:44.513
Yeah.
00:25:45.189 --> 00:25:49.598
I wasn't natural math, so yeah, definitely I encourage you to do it.
00:25:49.598 --> 00:25:51.608
This, this is not hard.
00:25:51.608 --> 00:25:52.358
This is easy.
00:25:52.358 --> 00:25:55.239
I, I break everything down into simple concepts.
00:25:55.239 --> 00:26:02.108
It's, and walk you through it and like you shared at the very beginning, it's about understanding.
00:26:02.888 --> 00:26:25.209
It's about really grasping money, but not for the sake of money itself, but it's for the life that you want to live, and you choose to live, and you can live a better life, a more complete life when you have the deep understanding of your finances, right?
00:26:25.598 --> 00:26:25.989
Yes.
00:26:25.989 --> 00:26:27.909
And a more relaxed life.
00:26:27.909 --> 00:26:29.888
You won't be stressed out.
00:26:30.263 --> 00:26:34.913
By saying, I, I don't understand this, or I'm in debt, or whatever.
00:26:34.913 --> 00:26:40.523
If you can understand it and start acting on it, you can live a lot more peaceful life.
00:26:40.973 --> 00:26:41.064
Mm-hmm.
00:26:41.304 --> 00:26:42.443
A lot easier life.
00:26:43.479 --> 00:26:46.118
Definitely and And who doesn't want that?
00:26:48.219 --> 00:26:49.719
Exactly.
00:26:50.499 --> 00:26:52.028
Oh, so great.
00:26:52.028 --> 00:27:00.578
Suzette, it's such a wonderful conversation to have with you on such an empowering topic that is doable.
00:27:00.759 --> 00:27:01.989
You can do it.
00:27:03.074 --> 00:27:04.419
And Suzette.
00:27:04.659 --> 00:27:12.009
As you have already witnessed through the listening and watching if you're on YouTube, that she makes it understandable.
00:27:12.009 --> 00:27:17.378
She breaks it down so that it is doable, and why not do this for you?
00:27:17.378 --> 00:27:19.209
By you, because of you, right?
00:27:19.749 --> 00:27:20.229
Yeah, definitely.
00:27:20.229 --> 00:27:20.558
Why?
00:27:20.739 --> 00:27:21.368
Yeah.
00:27:21.459 --> 00:27:22.209
Yeah.
00:27:23.453 --> 00:27:26.064
Thank you so much for being here with us.
00:27:26.064 --> 00:27:32.003
Before we do close, I want to share something very gently.
00:27:32.513 --> 00:27:47.019
I'm currently stewarding an early form formation of a live in-person experience, and it's called Ignite the Inner Uprising, and I'm creating it for women in midlife who are.
00:27:47.693 --> 00:27:57.144
Ready to deepen their relationship with leadership, with their wellbeing, and with personal sovereignty there.
00:27:57.324 --> 00:28:03.054
It isn't something I'm rushing loudly and promoting with bells and whistles.
00:28:03.413 --> 00:28:08.933
It's really being built slowly with care and deep respect for the women.
00:28:09.219 --> 00:28:10.659
It's meant to serve.
00:28:11.108 --> 00:28:20.739
So today's conversation around financial literacy and confidence and clarity, if that has stirred something in you, just know this.
00:28:21.219 --> 00:28:30.489
That there will be a space to gather and reflect and reconnect more fully with you and who you are.
00:28:30.999 --> 00:28:33.909
But for now, just stay connected.
00:28:34.058 --> 00:28:41.288
And when the timing is right, you will absolutely hear more about Ignite the inner uprising.
00:28:41.888 --> 00:28:47.169
And I really encourage you to share like follow.
00:28:47.864 --> 00:29:00.374
Give us reviews so that people can hear these incredible conversations, particularly around financial literacy, which is important for all of us worldwide.
00:29:01.213 --> 00:29:09.013
Thank you for being with us today, and I wish you nothing but the ability to thrive after 45.
00:29:09.013 --> 00:29:10.808
Thanks again, Suzette.
00:29:10.979 --> 00:29:11.683
Thank you.
00:29:11.683 --> 00:29:12.824
Thank you for having me.
00:29:12.913 --> 00:29:13.903
I'm happy to share.
00:29:14.503 --> 00:29:15.193
Yes.
00:29:15.763 --> 00:29:16.933
Have a good night everyone.
00:00:00.000 --> 00:00:05.759
Hello, and welcome to today's episode of Thrive after 45.
00:00:05.759 --> 00:00:10.380
I'm Denise Drink Walter heart whisperer, midlife mirror and mentor.
00:00:10.470 --> 00:00:15.750
And every week I am honored to share energy and space with inspiring guests.
00:00:16.612 --> 00:00:22.792
Whose stories reflect so many possibilities of thriving beyond 45?
00:00:22.792 --> 00:00:31.733
Together we'll uncover the whispers of the heart, the power of midlife transformation, and the wisdom that fuels expansion.
00:00:31.733 --> 00:00:40.042
What changes when money stops feeling intimidating and starts feeling understandable.
00:00:40.710 --> 00:00:46.350
It is an honor and a privilege to welcome Suzette Wheeler to the show today.
00:00:46.350 --> 00:00:55.229
Suzette brings more than 33 years of experience working at the intersection of finance strategy.
00:00:55.295 --> 00:00:57.575
And real world decision making.
00:00:57.575 --> 00:01:16.295
She spent three decades leading financial analysis and business innovation projects for local governments, and since 2013, has worked in a residential and commercial real estate as as an advisor helping individuals and organizations make informed, grounded.
00:01:16.805 --> 00:01:18.186
Financial choices.
00:01:18.186 --> 00:01:23.436
She holds a master of business administration with an emphasis in finance and economics.
00:01:23.436 --> 00:01:37.561
But what truly defines Suzette's work is her ability to translate complex financial concepts into language people can not only understand, but use and use effectively.
00:01:37.561 --> 00:01:53.522
As an author and professional speaker, Suzette is dedicated to building financial literacy for the non-financially literate, helping people move from confusion and avoidance into clarity and confidence.
00:01:53.522 --> 00:02:01.292
She is the author of MA Math Hack Secrets, level Up To Keep More of Your Money.
00:02:01.292 --> 00:02:09.632
It's a practical guide that's designed to empower everyday people to improve their financial picture without feeling overwhelmed.
00:02:09.632 --> 00:02:15.602
And since stepping into professional speaking in October of 2025, Suzette has.
00:02:15.622 --> 00:02:31.401
Already impacted over 350 lives, and she continues to be invited into associations, conferences, and events to speak on financial literacy as a foundational skill, not just a numbers game.
00:02:31.401 --> 00:02:35.901
Today we'll explore what it means to truly understand money.
00:02:35.901 --> 00:02:47.481
Why so many capable people feel stuck around it and how financial literacy can quietly but powerfully change lives.
00:02:47.481 --> 00:02:54.592
So wonderful to have you hear Suzette today, and as I was reading that intro, I'm putting my hand up going, yep, that's me.
00:02:54.592 --> 00:02:55.762
It's not a numbers game.
00:02:55.792 --> 00:02:56.901
Oh, I hate numbers.
00:02:56.901 --> 00:02:57.959
It's not my thing.
00:02:57.989 --> 00:02:59.549
So good to have you here.
00:02:59.550 --> 00:03:00.629
Thank you very much.
00:03:00.629 --> 00:03:02.949
So what is financial literacy?
00:03:04.449 --> 00:03:05.318
What is that?
00:03:06.549 --> 00:03:17.169
Financial literacy is the ability to basically simplify any sort of situation that you come across.
00:03:17.829 --> 00:03:31.929
Financially, like with, has to do with grocery shopping, mortgages, car loans, loans, credit cards, and be able to understand it so that you can make wise decisions and save a lot of money and save more of your money.
00:03:33.368 --> 00:03:33.998
So.
00:03:34.403 --> 00:03:36.354
This is brilliant.
00:03:36.383 --> 00:03:40.014
Thank you for just what we, our introduction shared.
00:03:40.253 --> 00:03:48.984
You make the complex, understandable, and now all of what I thinking about financial literacy makes incredible sense.
00:03:49.463 --> 00:03:51.774
So thank you for the work that you do.
00:03:52.253 --> 00:04:01.824
And I know it's not only for just our audience of women thriving after 45, but I know this will be impactful for.
00:04:02.679 --> 00:04:05.739
Children right on through to adulthood.
00:04:06.308 --> 00:04:07.239
Yeah, definitely.
00:04:07.239 --> 00:04:07.299
Yeah.
00:04:09.193 --> 00:04:09.424
De yeah.
00:04:11.408 --> 00:04:17.199
I think, um, yeah, children, the, when I was, let's just say when I was growing up, yeah.
00:04:17.199 --> 00:04:22.389
We had a class called Home Economics and yeah.
00:04:22.988 --> 00:04:28.689
And not only did we sew pillows, but we learned about financial literacy.
00:04:29.559 --> 00:04:38.468
We learned about how to balance a checkbook, how to understand credit, how to understand your checking account, how to spend well, how to save more.
00:04:38.858 --> 00:04:48.369
And those classes, many of those classes are not offered now in high schools or even middle schools where I, I had my class in the middle school, right?
00:04:48.369 --> 00:04:49.853
So they're not offered and.
00:04:50.798 --> 00:04:57.218
So this, when I thought about all of this, I said, I have to write a book about this because there's so many people that need this.
00:04:57.218 --> 00:05:02.528
They need to learn how to keep more of their money in their pocket by making these wise decisions.
00:05:02.528 --> 00:05:04.658
And they didn't, they may not have had this class.
00:05:04.658 --> 00:05:07.269
So this just make made perfect sense for me.
00:05:07.673 --> 00:05:08.483
I love that.
00:05:08.963 --> 00:05:14.153
You know, in our household, I'm gonna s shine a little light here that my family might be like, really?
00:05:14.153 --> 00:05:16.254
You said that, but I'm gonna do it anyway.
00:05:17.093 --> 00:05:27.834
In our household, as the children were growing up, I was known you had language prob you wanted to do your language homework, you went to mom, you wanted to do your math homework, you went to dad.
00:05:28.283 --> 00:05:28.553
Right?
00:05:28.553 --> 00:05:31.103
There was, that's just what happened in our house.
00:05:31.103 --> 00:05:35.574
In order to get through it as quickly as possible and as functionally as possible.
00:05:35.889 --> 00:05:40.899
With as much understanding as you could because I always felt, I'm not the numbers girl.
00:05:40.899 --> 00:05:41.949
I don't do numbers.
00:05:41.949 --> 00:05:44.709
I don't, I don't wanna do money, Paul, you do money.
00:05:45.548 --> 00:05:51.999
I have to tell you though, that has changed over time in terms of me understanding more around money.
00:05:51.999 --> 00:06:04.178
And I think what's really important in this conversation is, particularly for us as women in midlife, is if we don't understand and have the foundations.
00:06:05.439 --> 00:06:09.608
We are gonna be left out, quote unquote, in the cold, aren't we?
00:06:09.788 --> 00:06:12.519
Because right.
00:06:12.519 --> 00:06:23.769
There's so many things that if you don't understand the literacy of the finances and understand money and the numbers that are associated, how it all works.
00:06:24.819 --> 00:06:35.918
There are so many things that can happen in life at any point in time, but our audience being 35 or 45 plus thriving, we need to understand that.
00:06:35.949 --> 00:06:40.119
And so you talk about, in your book about hacks.
00:06:40.899 --> 00:06:43.899
Are there such things as hacks to understand how this works?
00:06:45.699 --> 00:06:46.358
Yes.
00:06:46.509 --> 00:06:50.798
There's um, there's these math hacks and once you.
00:06:51.759 --> 00:06:57.189
Figure these out and start learning these, you're gonna go, oh my gosh, I didn't realize how much I could save.
00:06:57.399 --> 00:06:59.678
And you know, they thrive after 45.
00:07:00.158 --> 00:07:00.278
Mm-hmm.
00:07:00.879 --> 00:07:06.158
I have met in my, my speeches, I always talk to the people after the speech.
00:07:06.459 --> 00:07:06.548
Yes.
00:07:06.548 --> 00:07:12.819
They're one who lost their husbands and their husband was the main financial guy.
00:07:13.509 --> 00:07:17.829
Now they have to be that financial person to manage their own finances.
00:07:17.829 --> 00:07:21.399
There's so many things Or, or divorce or, you know.
00:07:21.428 --> 00:07:21.639
Yeah.
00:07:21.879 --> 00:07:28.178
Any sort of life changes or you start, you bring in a family member who is disabled or is Yeah.
00:07:28.209 --> 00:07:32.528
You know, needs help and, and so that changes your whole family finances.
00:07:32.798 --> 00:07:35.738
There's so many things that could happen that could change your life.
00:07:36.639 --> 00:07:36.759
Right.
00:07:36.759 --> 00:07:36.908
You know?
00:07:36.939 --> 00:07:38.019
Yes, yes.
00:07:38.408 --> 00:07:41.228
Even marriage or remarriage, you know, all of that can change.
00:07:42.009 --> 00:07:42.879
A thousand percent.
00:07:42.879 --> 00:07:51.728
And it's interesting you say that because we at midlife, there's a lot of things that shift and change in our lives, whether we want them to or not.
00:07:51.968 --> 00:07:55.509
It can go either way, but yes, totally.
00:07:55.509 --> 00:07:59.288
And so circumstances are opening up our eyes.
00:07:59.348 --> 00:08:04.178
Let's try and do it before circumstances might have to arise for us to wake up.
00:08:04.689 --> 00:08:05.949
How can we do that?
00:08:05.978 --> 00:08:07.449
Tell us about these hacks.
00:08:07.449 --> 00:08:11.079
Give us an idea of what's, what's coming up in terms of.
00:08:11.353 --> 00:08:17.504
Some ideas from your book that we as listeners can go, oh my gosh, I didn't even think of that.
00:08:18.163 --> 00:08:23.863
Yeah, so, um, I, I'm pulling up chapter two and it talks about percents.
00:08:24.369 --> 00:08:30.249
And we may have learned about percents in, in like, it would been middle school, maybe even elementary school.
00:08:30.639 --> 00:08:30.728
Mm-hmm.
00:08:31.269 --> 00:08:32.828
And percents off like percent.
00:08:33.009 --> 00:08:37.328
You usually see something that says 20% off, 30% off, 50% off.
00:08:37.328 --> 00:08:39.818
Gotta get this deal if you sign up tomorrow, you know?
00:08:40.418 --> 00:08:40.869
Yeah.
00:08:40.869 --> 00:08:40.879
Yeah.
00:08:41.553 --> 00:08:48.278
And you're thinking, great, I gotta sign up right away because 20% sounds like a lot of money.
00:08:48.788 --> 00:08:48.999
Yeah.
00:08:49.614 --> 00:08:52.014
But do you really know what 20% off is?
00:08:52.043 --> 00:08:53.964
I mean, can you quickly calculate that?
00:08:54.114 --> 00:09:03.714
This, uh, this book talks about that, about how to quickly calculate and figure out if a like 20% off of, let's say a hundred dollars, that's$20.
00:09:03.714 --> 00:09:04.313
Mm-hmm.
00:09:04.524 --> 00:09:06.053
That makes the product$80.
00:09:06.293 --> 00:09:07.913
Is that really a good deal?
00:09:08.183 --> 00:09:09.744
Is that a really good deal?
00:09:09.923 --> 00:09:14.514
Or is there something else out there that may not be on sale but is a better deal?
00:09:14.514 --> 00:09:14.604
Right.
00:09:15.024 --> 00:09:17.543
And you can pick some, you can pick and choose.
00:09:17.933 --> 00:09:24.053
Like a grocery store too, like X percent off or this product is now buy one.
00:09:24.083 --> 00:09:26.094
Have you seen the buy one get one 50%?
00:09:26.094 --> 00:09:26.933
Yes.
00:09:27.504 --> 00:09:28.974
How much is it really?
00:09:29.634 --> 00:09:37.854
And so again, it's calculating like if you had$10 and And the second one that would be half off, that'd be half off.
00:09:37.854 --> 00:09:38.783
That's$5.
00:09:38.964 --> 00:09:45.293
So the two items together is$15, which means each one is$7 and 50 cents.
00:09:45.653 --> 00:09:46.759
So you do that quick math.
00:09:47.528 --> 00:09:47.708
Yeah.
00:09:47.708 --> 00:09:52.719
And then you, on the opposite, on both sides of that aisle and the, the other items for sale.
00:09:52.719 --> 00:09:56.889
Like, well, maybe they're not on sale, but maybe they're$2 cheaper than that.
00:09:56.889 --> 00:09:59.469
You don't know until you start doing the quick math.
00:09:59.499 --> 00:09:59.558
Yeah.
00:09:59.739 --> 00:10:01.058
And that's, that's the math hack.
00:10:01.058 --> 00:10:02.558
The percent right.
00:10:02.558 --> 00:10:03.609
You see it everywhere.
00:10:03.729 --> 00:10:05.528
That's a very important one.
00:10:05.663 --> 00:10:05.953
Yeah.
00:10:06.729 --> 00:10:06.969
Yeah.
00:10:07.433 --> 00:10:15.714
And, um, there's some other things in here too, like, um, I go into, uh, credit cards and to really, really understand credit cards.
00:10:15.714 --> 00:10:16.104
Mm-hmm.
00:10:16.188 --> 00:10:25.448
The, the interest rate and making sure that you monitor your interest rate, your minimum payment due, you usually have a minimum payment due, right.
00:10:25.673 --> 00:10:32.994
Your maximum balance, and then having a plan to pay off that credit card and the other credit cards.
00:10:33.474 --> 00:10:36.264
So there's actually a method that I teach about.
00:10:36.698 --> 00:10:39.489
Reducing your debt overall on credit cards.
00:10:39.788 --> 00:10:43.269
And I know in the United States there's a lot of credit card debt.
00:10:43.298 --> 00:10:54.923
There's people that they don't think about comparing prices, picking the best price or cutting back on some of their wants, you know, and seeing their needs, but not buying everything that they see.
00:10:55.903 --> 00:11:00.578
So there's, this is a way to, to rethink the way you spend as well.
00:11:00.583 --> 00:11:00.803
Mm-hmm.
00:11:01.433 --> 00:11:01.964
Love that.
00:11:02.313 --> 00:11:02.724
Love that.
00:11:03.183 --> 00:11:03.524
And yeah.
00:11:04.658 --> 00:11:26.769
Do you find, we had this conversation in my house a few days ago about, oh, I ne I am never, if ever, rarely have cash anymore because everything can just be, oh, you know, ping, ping, ping, ping from my phone, from my watch anymore if I wanted to set it up.
00:11:27.369 --> 00:11:33.009
Is that dangerous because of ease.
00:11:34.104 --> 00:11:43.374
Do you find that there's more, um, happening in terms of financial strain because of the ease of which, and people aren't making the connection?
00:11:43.374 --> 00:11:44.214
This is plastic.
00:11:44.214 --> 00:11:51.083
Oh yes, it's going up, but we're really not understanding what are we really doing with our finances in that regard?
00:11:51.504 --> 00:11:52.043
Yes.
00:11:52.464 --> 00:11:54.953
The, um, it's so easy to tap and pay.
00:11:54.953 --> 00:11:54.964
Yeah.
00:11:55.599 --> 00:11:58.899
It's so easy just to get outta the store with whatever you want.
00:11:58.899 --> 00:11:58.989
Mm-hmm.
00:11:59.558 --> 00:12:01.328
But one thing about cash.
00:12:01.599 --> 00:12:01.989
Yep.
00:12:02.198 --> 00:12:13.479
I like using cash and I like using cash because you can actually watch the money, leave your hands and go into the person that is taking your order or purchase.
00:12:13.538 --> 00:12:13.749
Mm-hmm.
00:12:14.229 --> 00:12:22.958
And if you're out and about and you're buying a hamburger or you're buying something, and if you have cash in your wallet, say, okay, my budget this week, 200.
00:12:23.649 --> 00:12:33.639
$200 and I'm going to spend it on, you know, groceries or this or that, and you can actually watch how your money is leaving your pocketbook.
00:12:33.639 --> 00:12:38.859
And if you're, you're out of your$200, all of a sudden it's like, oh, oh no, I need to make another withdrawal.
00:12:39.188 --> 00:12:41.649
Then you can kinda see that you may be overspending.
00:12:41.649 --> 00:12:46.298
There might be an opportunity to, to cut back on that, on that spending.
00:12:46.298 --> 00:12:46.389
Right.
00:12:46.509 --> 00:12:49.389
But that's why cash, because you can actually see it.
00:12:49.749 --> 00:12:51.489
You can see those expenditures.
00:12:51.548 --> 00:12:52.418
It's not so easy.
00:12:52.418 --> 00:12:53.259
Like a credit card.
00:12:53.649 --> 00:12:54.759
Right, right.
00:12:54.788 --> 00:12:55.869
Yeah, yeah, yeah.
00:12:56.408 --> 00:12:57.188
Very good.
00:12:57.188 --> 00:12:57.249
Yeah.
00:12:57.578 --> 00:13:11.589
Um, were there in terms of financial literacy and actually being taught from family or school or whomever, um, um, how.
00:13:13.553 --> 00:13:21.114
You mentioned that it was happening in home economics, and of course a lot of times those are completely gone anymore'cause those are the extras.
00:13:21.624 --> 00:13:21.714
Mm-hmm.
00:13:21.953 --> 00:13:28.313
And um, so where are people gonna be getting their information about money?
00:13:28.524 --> 00:13:39.083
How to spend where, obviously you, but how else can people also start to understand money in a way that they haven't before?
00:13:41.048 --> 00:13:47.078
I, uh, well, I'm gonna be putting a online program together where it walks the person, yay.
00:13:47.979 --> 00:14:05.318
Signs up all the way through the process, and we're gonna have some group, um, coaching calls as well, so we can share successes and, and, and talk about that and answer any questions, because I have, if you read, you know, the, the book, you can get a pretty good understanding, but.
00:14:06.323 --> 00:14:21.833
The, uh, the online's gonna make it even easier for someone to, to go through that process, because I've noticed and from, I like to talk to a lot of people, and especially the people that my, my seminars and my groups that, you know, how did you learn this?
00:14:21.833 --> 00:14:28.254
They said, well, we really didn't, you know, we didn't, we didn't know, you know, our, our parents didn't, didn't even know.
00:14:28.764 --> 00:14:28.943
Yeah.
00:14:28.943 --> 00:14:30.744
Our parents were always in debt.
00:14:30.744 --> 00:14:33.443
So, yeah, it's, uh, it's.
00:14:33.803 --> 00:14:40.583
It's definitely just trying to get yourself educated in the basics and learn how, like start at the grocery store.
00:14:40.583 --> 00:14:41.933
That's the first place to start.
00:14:41.933 --> 00:14:41.994
Yeah.
00:14:42.563 --> 00:14:44.964
Start comparing prices and things like that.
00:14:45.234 --> 00:14:47.063
It's amazing what you can save there.
00:14:48.323 --> 00:14:48.754
It's, and.
00:14:49.703 --> 00:14:52.283
And it's, we do it E all the time.
00:14:52.283 --> 00:14:55.283
We're always, it's not like we're going out of our comfort zone.
00:14:55.283 --> 00:14:59.903
We're not doing a, oh my gosh, I'm gonna go buy this big thing over here.
00:15:00.144 --> 00:15:02.634
How do I create the plan to make that happen?
00:15:02.634 --> 00:15:10.313
What I'm hearing you say, and please correct me if I'm wrong, you still need to do the budget piece for everything.
00:15:10.464 --> 00:15:13.374
Otherwise you're going to end up overspending.
00:15:14.033 --> 00:15:16.043
As a result of not being planned.
00:15:16.464 --> 00:15:16.553
Mm-hmm.
00:15:17.364 --> 00:15:29.964
Yeah, so definitely I, I have a chapter just on budgets, just on creating the profit and, um, all sorts of budgets, not just your personal budget, but budgeting for your holiday spending.
00:15:31.464 --> 00:15:34.614
For, you know, Christmas, Hanukkah, things like that.
00:15:34.614 --> 00:15:40.583
Budgeting for, well, we have, uh, Thanksgiving, but like your national, national holiday, you're having a big event.
00:15:41.423 --> 00:15:45.504
Budgeting for that and putting your budget together for that is just so important.
00:15:45.504 --> 00:15:49.043
The, but there is a budgeting set and I will, I'll offer this little hack.
00:15:49.043 --> 00:15:56.453
Uh, a truly the best kind of budget is one where 50%.
00:15:56.994 --> 00:15:58.823
Of the items are needs.
00:15:58.823 --> 00:16:01.104
So 50% of your budget are needs.
00:16:01.104 --> 00:16:07.583
So things you have to pay, utilities, rent, car loan, credit cards, things you have to pay.
00:16:07.583 --> 00:16:07.673
Mm-hmm.
00:16:08.333 --> 00:16:12.923
And then you have a, uh, 30%.
00:16:13.553 --> 00:16:21.203
Which is wants, and those wants could be adjusted depending on how big your needs percentage is.
00:16:21.234 --> 00:16:23.634
'cause you may be paying more than 50%, right?
00:16:23.634 --> 00:16:27.293
Maybe you have with, you add it all up and it's somewhere like 60%.
00:16:27.293 --> 00:16:30.533
So your wants are the other things that you want to do.
00:16:30.533 --> 00:16:36.354
Like, you want to go to dinner out, go up to dine out, wanna go to a movie, wanna go to a show.
00:16:36.594 --> 00:16:38.033
All these things that are wants.
00:16:38.124 --> 00:16:41.783
And then the other 20% are, is savings.
00:16:41.783 --> 00:16:43.943
And that should be money that you put aside.
00:16:44.124 --> 00:16:57.504
I would say at least five, 10% of your budget should be savings because you'll be thanking yourself in the future when you have that money, not just for retirement, but have an emergency fund that you set aside money.
00:16:57.803 --> 00:17:01.313
So something breaks, your car, breaks down, something else happens.
00:17:01.313 --> 00:17:03.443
Your life insurance policy comes due.
00:17:03.443 --> 00:17:06.054
You have an annual, uh, registration due.
00:17:06.203 --> 00:17:06.784
You can pay for it.
00:17:07.449 --> 00:17:09.818
You have the money, you're not putting yourself in debt.
00:17:10.273 --> 00:17:10.624
Right.
00:17:11.044 --> 00:17:11.463
For debt.
00:17:12.219 --> 00:17:12.878
Right.
00:17:13.838 --> 00:17:25.538
Are there any aspects that you talk about in your financial literacy components that talks about um, investing?
00:17:27.243 --> 00:17:27.463
Yes.
00:17:27.469 --> 00:17:27.788
Yes.
00:17:27.999 --> 00:17:28.388
Okay.
00:17:29.273 --> 00:17:38.334
So when you first, when you're starting off and you're putting money away, you're usually putting it into like a savings account or a money market account.
00:17:38.933 --> 00:17:41.009
Then when the money starts growing.
00:17:41.828 --> 00:17:45.128
Then you wanna put it into higher interest earning investments.
00:17:45.159 --> 00:17:45.489
Mm-hmm.
00:17:45.729 --> 00:17:51.278
And that could be your next step could be a certificate deposit or some other type of thing.
00:17:51.759 --> 00:17:59.499
But when you get enough money together, you'll want to start putting that into either a 401k, we have a 401k retirement account.
00:17:59.858 --> 00:18:05.558
Or, um, some sort of, uh, investment account that you can save for your retirement.
00:18:06.068 --> 00:18:06.159
Mm-hmm.
00:18:06.398 --> 00:18:11.318
And in those cases, that's where a financial advisor comes in, right?
00:18:11.348 --> 00:18:16.058
And that is a person that can help guide you in that direction.
00:18:16.058 --> 00:18:26.769
So you have to be really careful about choosing a financial advisor that they're, that you have a bit of safety in there because you know it investments, they can be.
00:18:27.489 --> 00:18:31.659
They can pay wonderful dividends or they could also lose.
00:18:31.659 --> 00:18:33.098
So you have a win-loss.
00:18:33.098 --> 00:18:37.328
You, you have to, based on your risk, the risk, right into that investment.
00:18:37.328 --> 00:18:39.878
So yeah, that's where financial advisor come in.
00:18:40.298 --> 00:18:51.459
I, I sell real estate and I, I'm a financial advisor for real estate, so I help people buy and sell and I'm, I, I look at everything from a financial perspective.
00:18:51.669 --> 00:18:52.028
Sure.
00:18:52.509 --> 00:18:55.689
So I'm looking at everything that they're buying and selling is, can they make money?
00:18:56.094 --> 00:18:56.634
Right.
00:18:56.723 --> 00:18:57.023
Okay.
00:18:57.023 --> 00:18:57.953
How can they make money?
00:18:57.953 --> 00:19:00.443
When's a good time to maybe switch us out?
00:19:00.894 --> 00:19:10.104
Um, can they, we have a, well, we have a rule called 10 31 Exchange where you can save on taxes if you, if you wanna trade out real estate, that type of thing.
00:19:10.104 --> 00:19:12.653
But there's a lot of features there, but, right.
00:19:13.223 --> 00:19:22.763
My specialty, but for, for investing in like 401k or other types of investment vehicles for retirement, that's, that would be a financial advisor.
00:19:23.183 --> 00:19:23.544
Yeah.
00:19:23.574 --> 00:19:24.054
Okay.
00:19:24.683 --> 00:19:25.314
Perfect.
00:19:25.628 --> 00:19:26.318
Perfect.
00:19:26.828 --> 00:19:43.929
Is there anything else that's coming up for you as you've, you know, you mentioned earlier you have, when you go in and do your speaking engagements, people will come to you and say, I don't know a thing, and I'm now single and I've been married for 25, 30 years.
00:19:44.469 --> 00:19:44.588
Yeah.
00:19:44.588 --> 00:19:45.223
What do I do?
00:19:45.338 --> 00:19:55.088
Is there anything that you can share with us as we get ready to close that you really wanna make sure people and women that are listening.
00:19:56.273 --> 00:19:58.104
What is a really good thing?
00:19:58.104 --> 00:20:02.453
Instead of pushing the panic button, what can we do instead of pushing the panic button?
00:20:03.773 --> 00:20:12.473
I think for if you, if you find yourself in a situation like that, the first thing that you should do is figure out what your budget is.
00:20:12.594 --> 00:20:14.903
Figure out what your income coming in is.
00:20:15.324 --> 00:20:16.374
What it will be.
00:20:16.433 --> 00:20:17.874
'cause things will be changing as well.
00:20:17.874 --> 00:20:23.993
Of course you'll be receiving other, you know, there maybe if your spouse passed, you'll be receiving income from there possibly.
00:20:24.324 --> 00:20:24.503
Right.
00:20:24.503 --> 00:20:26.124
But you have to figure out what your budget is.
00:20:26.124 --> 00:20:28.223
I mean, how much are you spending right now?
00:20:28.223 --> 00:20:29.034
Mm-hmm.
00:20:29.034 --> 00:20:31.344
And how much money are you bringing in right now?
00:20:31.824 --> 00:20:34.144
And that's, that may be hard trying to put all that together.
00:20:34.463 --> 00:20:39.653
I actually have a spreadsheet that, that I share with my, the participants when I, when I go out and speak.
00:20:39.653 --> 00:20:41.328
So if anyone wants that, send me an email.
00:20:41.723 --> 00:20:46.074
Nice and I'll the, the spreadsheet, but yeah, so anyway, yeah.
00:20:46.134 --> 00:20:47.693
Figure out what your budget is first.
00:20:47.693 --> 00:20:47.753
Yeah.
00:20:47.933 --> 00:20:53.213
And figure out what your expenses are, because the first thing you're gonna wanna do is stop the red ink.
00:20:53.273 --> 00:20:56.663
You're gonna wanna stop any sort of a large expenditure.
00:20:57.084 --> 00:21:04.554
You may have to cut out some things just to make sure that you, that you're not, you know, spending too much money.
00:21:05.423 --> 00:21:06.173
Right after that.
00:21:06.173 --> 00:21:13.374
And you may not have ever had to write a check or even deal with the checking account because maybe the husband had it, you know?
00:21:13.614 --> 00:21:13.973
Yeah.
00:21:13.973 --> 00:21:20.094
But when things like that, yeah, you definitely have, that's the first step, is figure out where your income is and what your expenses are.
00:21:20.094 --> 00:21:21.773
Find out where you are right now.
00:21:21.788 --> 00:21:22.209
Mm-hmm.
00:21:22.334 --> 00:21:23.364
Mm-hmm.
00:21:24.294 --> 00:21:32.273
And, uh, I think, yeah, I, I, with what's coming up for me too, which I think is from my thinking, is really important.
00:21:33.443 --> 00:21:36.894
I need women to listen and understand that.
00:21:36.894 --> 00:21:40.644
They need to know that they're not alone on this.
00:21:41.604 --> 00:21:46.913
There's a reason why Suzette is doing financial literacy.
00:21:47.394 --> 00:21:52.943
It's not because there's myself sitting in the corner going, I don't know what I'm doing.
00:21:53.483 --> 00:21:55.433
Clearly there's a need for this.
00:21:55.433 --> 00:21:58.763
You are not alone, so don't feel like.
00:21:59.588 --> 00:22:00.578
You can't do it.
00:22:00.578 --> 00:22:02.588
Don't feel like this is too much.
00:22:02.739 --> 00:22:12.219
It's, there's a lot going on, but it is doable and that's why Suzette's doing what she's doing because it's out there.
00:22:12.219 --> 00:22:17.199
And you'd be surprised how wide and deep it exists, right?
00:22:17.473 --> 00:22:17.834
Mm-hmm.
00:22:18.773 --> 00:22:23.933
And I would say even before any sort of event happens just now.
00:22:23.963 --> 00:22:24.144
Yeah.
00:22:24.384 --> 00:22:25.163
Yes.
00:22:25.193 --> 00:22:34.193
If your, if your husband or wife is doing all the finances to ask to be able to be included in that so that you can understand what's happening now.
00:22:34.644 --> 00:22:34.824
Yeah.
00:22:35.094 --> 00:22:38.723
And, and be yet educated and say, I, I really wanna learn this.
00:22:38.784 --> 00:22:43.134
I, I really want to know, um, to understand and appreciate.
00:22:43.463 --> 00:22:52.794
What our budget is, what our income is, and, and where money's being spent so that I, you know, unfor, if any unfortunate thing happens, it'll, I'll be okay.
00:22:52.979 --> 00:22:53.269
Yeah.
00:22:53.269 --> 00:22:54.804
So yeah, start now.
00:22:55.344 --> 00:22:55.913
Love that.
00:22:55.913 --> 00:22:56.753
Start understanding now.
00:22:57.804 --> 00:23:00.173
And you can't really start too young.
00:23:00.594 --> 00:23:01.824
You really can't.
00:23:01.824 --> 00:23:09.384
So if you have children and you're like, uh, but they're only six and seven, I'm sure Suzette would say there's.
00:23:10.253 --> 00:23:12.173
There's things you could do, right, Suzette?
00:23:12.534 --> 00:23:13.733
Yeah, definitely.
00:23:13.794 --> 00:23:15.023
Definitely start.
00:23:15.534 --> 00:23:24.413
I'd say the grocery store is like your first place and having them actually work with them on like a, a savings account and start Yes.
00:23:24.473 --> 00:23:25.163
Generating one.
00:23:25.163 --> 00:23:29.003
It could be in your name, but that they're, they're putting their allowance and savings account.
00:23:29.003 --> 00:23:31.703
Just something to get them started and understanding money.
00:23:31.949 --> 00:23:32.298
Right.
00:23:32.304 --> 00:23:32.394
Right.
00:23:32.753 --> 00:23:32.874
Mm-hmm.
00:23:33.503 --> 00:23:37.134
Because what we don't want is people freezing and.
00:23:37.838 --> 00:23:46.358
The whole negative connotation around it because we know it's part of life is money in and out.
00:23:46.868 --> 00:23:47.288
Right?
00:23:47.348 --> 00:23:50.469
It's, it's, it's what we have to do.
00:23:50.919 --> 00:23:51.009
Mm-hmm.
00:23:51.249 --> 00:24:05.919
So in order to do the best for you by you, because of you learning all of the pieces that can be scaffolded in a way that makes sense for you no matter where you are on the continuum of understanding.
00:24:06.683 --> 00:24:09.503
And the financial literacy aspect, right?
00:24:09.503 --> 00:24:10.403
Mm-hmm.
00:24:10.410 --> 00:24:10.669
Yeah.
00:24:11.019 --> 00:24:11.308
Yeah.
00:24:11.358 --> 00:24:12.028
Definitely.
00:24:13.038 --> 00:24:13.328
Yeah.
00:24:13.439 --> 00:24:13.929
Amazing.
00:24:14.509 --> 00:24:14.929
Mm-hmm.
00:24:15.413 --> 00:24:28.763
This is exciting and I'm, I'm excited to, to hear that and to know and encourage you to start moving forward on your, your financial journey, you, the audience, and, and start learning about this.
00:24:28.763 --> 00:24:30.233
Yeah, absolutely.
00:24:30.233 --> 00:24:30.953
Absolutely.
00:24:31.074 --> 00:24:32.364
And of course.
00:24:33.384 --> 00:24:36.923
The book is available and we will have that in the show notes.
00:24:36.923 --> 00:24:45.923
If you're watching on YouTube, we have it up on the screen, so if you're not watching on YouTube and you wanna see the visual jump over and check it out.
00:24:46.403 --> 00:24:53.993
Um, we'll have all of that in the show notes so that we will have ways that you can follow Suzette connect with her.
00:24:54.689 --> 00:25:02.939
Um, find out more about this new online course that I'm so happy to be able to spread the news on that.
00:25:03.628 --> 00:25:13.199
Is there anything Suzette, you would love to leave our audience with, knowing that they get an opportunity to do this for themselves?
00:25:13.203 --> 00:25:13.919
By themselves?
00:25:13.919 --> 00:25:15.298
Because of themselves.
00:25:15.509 --> 00:25:15.598
Mm-hmm.
00:25:15.838 --> 00:25:19.709
Um, is there anything that you would love to share as a closing point?
00:25:20.469 --> 00:25:23.199
Yeah, you, I, I say you can do this.
00:25:23.253 --> 00:25:23.473
Mm.
00:25:23.733 --> 00:25:26.528
You can do this, you can learn this.
00:25:26.558 --> 00:25:27.788
This is not hard.
00:25:28.148 --> 00:25:29.798
This is really easy.
00:25:30.368 --> 00:25:36.219
I mean, I, I learned it in like, I, my dad forced me to learn it in like third and fourth grade.
00:25:36.219 --> 00:25:37.479
'cause I was failing math.
00:25:37.659 --> 00:25:40.179
I say I am not a, I'm not a natural math person.
00:25:40.179 --> 00:25:40.808
Just saying.
00:25:40.808 --> 00:25:44.439
So if you're not a natural math person, you can still do this.
00:25:44.443 --> 00:25:44.513
Yeah.
00:25:45.189 --> 00:25:49.598
I wasn't natural math, so yeah, definitely I encourage you to do it.
00:25:49.598 --> 00:25:51.608
This, this is not hard.
00:25:51.608 --> 00:25:52.358
This is easy.
00:25:52.358 --> 00:25:55.239
I, I break everything down into simple concepts.
00:25:55.239 --> 00:26:02.108
It's, and walk you through it and like you shared at the very beginning, it's about understanding.
00:26:02.888 --> 00:26:25.209
It's about really grasping money, but not for the sake of money itself, but it's for the life that you want to live, and you choose to live, and you can live a better life, a more complete life when you have the deep understanding of your finances, right?
00:26:25.598 --> 00:26:25.989
Yes.
00:26:25.989 --> 00:26:27.909
And a more relaxed life.
00:26:27.909 --> 00:26:29.888
You won't be stressed out.
00:26:30.263 --> 00:26:34.913
By saying, I, I don't understand this, or I'm in debt, or whatever.
00:26:34.913 --> 00:26:40.523
If you can understand it and start acting on it, you can live a lot more peaceful life.
00:26:40.973 --> 00:26:41.064
Mm-hmm.
00:26:41.304 --> 00:26:42.443
A lot easier life.
00:26:43.479 --> 00:26:46.118
Definitely and And who doesn't want that?
00:26:48.219 --> 00:26:49.719
Exactly.
00:26:50.499 --> 00:26:52.028
Oh, so great.
00:26:52.028 --> 00:27:00.578
Suzette, it's such a wonderful conversation to have with you on such an empowering topic that is doable.
00:27:00.759 --> 00:27:01.989
You can do it.
00:27:03.074 --> 00:27:04.419
And Suzette.
00:27:04.659 --> 00:27:12.009
As you have already witnessed through the listening and watching if you're on YouTube, that she makes it understandable.
00:27:12.009 --> 00:27:17.378
She breaks it down so that it is doable, and why not do this for you?
00:27:17.378 --> 00:27:19.209
By you, because of you, right?
00:27:19.749 --> 00:27:20.229
Yeah, definitely.
00:27:20.229 --> 00:27:20.558
Why?
00:27:20.739 --> 00:27:21.368
Yeah.
00:27:21.459 --> 00:27:22.209
Yeah.
00:27:23.453 --> 00:27:26.064
Thank you so much for being here with us.
00:27:26.064 --> 00:27:32.003
Before we do close, I want to share something very gently.
00:27:32.513 --> 00:27:47.019
I'm currently stewarding an early form formation of a live in-person experience, and it's called Ignite the Inner Uprising, and I'm creating it for women in midlife who are.
00:27:47.693 --> 00:27:57.144
Ready to deepen their relationship with leadership, with their wellbeing, and with personal sovereignty there.
00:27:57.324 --> 00:28:03.054
It isn't something I'm rushing loudly and promoting with bells and whistles.
00:28:03.413 --> 00:28:08.933
It's really being built slowly with care and deep respect for the women.
00:28:09.219 --> 00:28:10.659
It's meant to serve.
00:28:11.108 --> 00:28:20.739
So today's conversation around financial literacy and confidence and clarity, if that has stirred something in you, just know this.
00:28:21.219 --> 00:28:30.489
That there will be a space to gather and reflect and reconnect more fully with you and who you are.
00:28:30.999 --> 00:28:33.909
But for now, just stay connected.
00:28:34.058 --> 00:28:41.288
And when the timing is right, you will absolutely hear more about Ignite the inner uprising.
00:28:41.888 --> 00:28:47.169
And I really encourage you to share like follow.
00:28:47.864 --> 00:29:00.374
Give us reviews so that people can hear these incredible conversations, particularly around financial literacy, which is important for all of us worldwide.
00:29:01.213 --> 00:29:09.013
Thank you for being with us today, and I wish you nothing but the ability to thrive after 45.
00:29:09.013 --> 00:29:10.808
Thanks again, Suzette.
00:29:10.979 --> 00:29:11.683
Thank you.
00:29:11.683 --> 00:29:12.824
Thank you for having me.
00:29:12.913 --> 00:29:13.903
I'm happy to share.
00:29:14.503 --> 00:29:15.193
Yes.
00:29:15.763 --> 00:29:16.933
Have a good night everyone.