In this thought-provoking episode, I sit down with seasoned financial advisor and author Eric Brotman to rethink the traditional path to retirement. With over three decades of experience, Eric shares how financial planning has evolved, why retirement is an outdated goal, and how you can build a more fulfilling and financially independent life—on your own terms.

Key Highlights:

1. Retire the word “retirement” — why financial independence is a more empowering goal
2. How shame, procrastination, and mental blocks prevent financial progress
3. Simple, automated strategies for managing your money with less stress
4. The case for doing meaningful work for life, not quitting early
5. Why personalized planning matters more than income or net worth

If you're ready to challenge old beliefs and create a financial future aligned with your values, this episode is a must-listen. Listen now and start redefining what success looks like for you.

Eric D. Brotman, CFP®, is the CEO of BFG Financial Advisors in Maryland. He started in the financial planning industry in 1994 and launched a start-up in 2003 which has grown to over 20 employees and $800,000,000 in assets under management. He’s the author of three books including the award-winning "Don't Retire...Graduate!" and hosts a podcast by that same name.

Eric Brotman's Links:

Eric's Book, Don't Retire... Graduate!

• Use discount code: alwaysandnever

Don't Retire.. Graduate Podcast!

• Check out Chelsea's episode

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Links:

Profit First Book

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Always and Never About Money Episode Links:
Video Podcast: https://www.youtube.com/@MoneyMasteryWithChelsea
Socials: https://linktr.ee/the_money_whisper
Money Mastery Website: www.moneymastery.work
Reddit: https://www.reddit.com/r/AlwaysandNeverMoney/

Ever felt like your work was missing something, even if the pay was good? Or, as a leader, are you struggling to truly inspire and retain your best talent? In this insightful episode, I sit down with the brilliant Steph Tuss, a master of organizational dynamics, to explore the surprising truth about what truly drives people in the workplace. We go beyond the typical discussions of salaries and benefits to uncover the profound impact of purpose, meaning, and a clear vision.

Key Highlights:

1. Meaning Drives Loyalty: Discover why purpose keeps employees longer, even over higher pay.
2. Vision Beyond Profit: Learn why an inspiring company vision (not just financial goals) boosts engagement.
3. The Cost of No Purpose: Understand the hidden expenses of a disengaged workforce.
4. Empower Their "Why": Learn to connect individual roles to the company's bigger impact.
5. From Tasks to Transformation: Shift from task management to truly inspiring your team.

If you're ready to transform your workplace culture, understand employee motivation on a deeper level, or find more fulfillment in your own role, this conversation is a must-listen.

Steph Tuss is a seasoned strategic advisor with over 15 years of experience empowering business founders to evolve and scale. As the former CEO of Life Is Now, Inc., she guided hundreds of businesses in leadership, operations, and team development. Steph specializes in strategic growth planning, leadership realignment, and resolving complex organizational challenges. Known for simplifying complex issues, she now works one-on-one with founders, helping them make confident, aligned decisions. When not advising, Steph travels the U.S. in her Airstream, finding inspiration in nature, music, and food.

Steph Tuss's Links:

Her website

Facebook

Instagram

LinkedIn

Links:

Adam Grant

Want to hear a specific topic? Text Us!

Always and Never About Money Episode Links:
Video Podcast: https://www.youtube.com/@MoneyMasteryWithChelsea
Socials: https://linktr.ee/the_money_whisper
Money Mastery Website: www.moneymastery.work
Reddit: https://www.reddit.com/r/AlwaysandNeverMoney/

Ready for a perspective shift that will forever change how you see your finances? Join Chelsea, the Money Whisperer, as she dives deep into the surprising truths that often go unacknowledged in our relationship with money. This isn't your typical dry financial advice – we're exploring the vibrant connection between your inner world, your habits, and the way money shows up in your life.

Key Highlights:

1. Money as a Mirror: Understand why money, despite being inanimate, acts as a powerful reflection of your energy, focus, and priorities in life.
2. Beyond Advice: The Power of Habits: Discover why simply seeking more financial advice often falls short, and the critical role of changing your daily habits for lasting financial transformation.
3. The Long Game of Financial Freedom: Learn that true financial freedom isn't found, but built through consistent, patient effort, much like training for a long-distance race.
4. Commit to Building: Identify a specific, quiet commitment you can make to build your financial future over the next year, whether it's budgeting or saving.
5. Liberation Through Truth: Embrace these three hard truths not as sources of guilt or shame, but as empowering calls to action on behalf of your own financial well-being.

Discover why money is both a simple tool and a profound reflection of you, and learn the crucial shifts needed to move beyond advice and into lasting change.

Want to hear a specific topic? Text Us!

Always and Never About Money Episode Links:
Video Podcast: https://www.youtube.com/@MoneyMasteryWithChelsea
Socials: https://linktr.ee/the_money_whisper
Money Mastery Website: www.moneymastery.work
Reddit: https://www.reddit.com/r/AlwaysandNeverMoney/

Ever feel like your money has a mind of its own? In this eye-opening episode, I'm exposing the "secret laws" that might be unconsciously dictating your financial decisions. You'll learn why simply having enough money isn't the whole answer, and how your deeper beliefs, habits, and even societal influences are silently shaping your financial reality.

Episode Highlights:

1. Murphy's Law: Prepare for the unexpected. Learn how to create an "emergency fund" to avoid financial stress when inevitable life events occur.
2. Kinley's Law: Don't be complacent. Discover how smooth financial sailing can hide underlying issues and why scheduling regular "money detective sessions" is crucial for financial clarity.
3. Gilbert's Law: It's the system, not you. Understand that struggles with budgeting, debt, or savings often stem from a lack of effective money management systems, and learn to treat your personal finances like a business.
4. Wilson's Law: Master the concept, not just the tools. We explore why oversimplifying financial systems creates new problems and emphasize the importance of understanding the "why" behind your money management.
5. Parkinson's Law: Boundaries build your financial future. Learn how to prevent expenses from expanding to match your income and how to consciously set limits to protect the money you make.

Get ready to uncover the hidden dynamics that impact your wallet and discover how to "flip the script," take back your power, and build a truly intentional financial future. Join me to decode these laws and start writing a new story for your money!

Links:

1. My HYSA recommendation - Use my link here to sign up and you’ll get a $25 bonus and up to $300 when you set up direct deposit.

Want to hear a specific topic? Text Us!

Always and Never About Money Episode Links:
Video Podcast: https://www.youtube.com/@MoneyMasteryWithChelsea
Socials: https://linktr.ee/the_money_whisper
Money Mastery Website: www.moneymastery.work
Reddit: https://www.reddit.com/r/AlwaysandNeverMoney/

Want to hear a specific topic? Text Us!

Always and Never About Money Episode Links:
Video Podcast: https://www.youtube.com/@MoneyMasteryWithChelsea
Socials: https://linktr.ee/the_money_whisper
Money Mastery Website: www.moneymastery.work
Reddit: https://www.reddit.com/r/AlwaysandNeverMoney/

Do you ever feel caught between savoring today and planning for tomorrow? In this episode, we're becoming "time travelers" to explore the delicate balance between living fully in the present and intentionally building the life your future self will thank you for. I share a personal story that dramatically shifted my perspective and offer actionable insights on how to avoid regret, make mindful decisions, and embrace the power of both "now" and "next."

Key Highlights:
1. The Present vs. Future Dilemma: Understanding the common struggle of balancing immediate gratification with long-term financial and life goals.
2. Your Future Self's Perspective: Learning to tap into the wisdom of your future self to guide present decisions and cultivate intentional living.
3. The Power of Small Moments: Discovering how seemingly "boring" or small daily actions can be profoundly transformative for your long-term success.
4. Overcoming Resistance to Planning: Addressing the reasons we often resist planning for the future and how to integrate strategic thinking without sacrificing present joy.
5. Cultivating Peace and Intentionality: Practical insights on how to choose peace, avoid burnout, and make choices that contribute to the story you want to tell 10 years from now.

This isn't about rigid rules, but about finding a harmonious strategy for a joyful present and a thriving future. You won't want to miss this!

Links:
Get Notified: Personal Finance Course

Want to hear a specific topic? Text Us!

Always and Never About Money Episode Links:
Video Podcast: https://www.youtube.com/@MoneyMasteryWithChelsea
Socials: https://linktr.ee/the_money_whisper
Money Mastery Website: www.moneymastery.work
Reddit: https://www.reddit.com/r/AlwaysandNeverMoney/

Think money talk has to be dry and boring? Think again. Join us for a radically different conversation with Cynthia Cramblett, host of the "Her Drive" podcast, as we explore the surprising and powerful connections between your body's pleasure, your sense of personal power, shadow work, and your ability to attract and receive financial abundance. This isn't your typical lecture on savings accounts. We dive deep into how reconnecting with your authentic self, embracing your desires, and even exploring your shadow side can unlock the flow of prosperity in your life.

Key Highlights:

1. The Body-Money Connection: Discover how owning your pleasure and reconnecting with your body's sensations directly impacts your self-worth and ability to receive financial abundance without guilt.
2. Pleasure as Prosperity's Teacher: Explore how the energy of desire and creative expression, rooted in your physical being, can act as a powerful magnet for opportunities and financial flow.
3. Unblocking Your Bag: Understand how shame, particularly around sexuality and desire, can create significant blocks to financial abundance and how liberating yourself in one area can positively impact the other.
4. Shadow Work for Wealth: Learn how befriending your "darker" aspects and unconscious patterns can reveal hidden blocks to your financial potential and unlock new pathways to prosperity.
5. Consensual Power & Financial Autonomy: Explore the surprising lessons that ethical power dynamics can teach us about reclaiming our financial sovereignty, understanding leadership, and aligning our earning, spending, and investing with our authentic values.

Get ready to challenge your assumptions about money and discover a new path to financial freedom rooted in self-worth and embodied living.

Cynthia Cramblett, dynamic businesswoman and host of the "Her Drive" podcast, brings her adventurous spirit and passion for connection to our episode. A Somatic Sexologist and Intimacy Coach, Cynthia guides individuals toward empowered and pleasurable living through coaching, workshops, and her podcast. With a background in travel and a deep dive into somatic practices, she blends playfulness with profound insights, helping women reclaim their power and redefine their lives on their own terms.

Cynthia's Links:

• Podcast
• Work With Her - Coaching

Episode Links:

• Mating in Captivity by Esther Perel

Want to hear a specific topic? Text Us!

Always and Never About Money Episode Links:
Video Podcast: https://www.youtube.com/@MoneyMasteryWithChelsea
Socials: https://linktr.ee/the_money_whisper
Money Mastery Website: www.moneymastery.work
Reddit: https://www.reddit.com/r/AlwaysandNeverMoney/

Feeling the weight of today's unstable economy? You're not alone. In this crucial episode, I cut through the noise and fear surrounding rising prices, interest rates, and recession talk. I name the anxiety that's in the air and then zoom out to uncover the deeper lessons this moment is trying to teach us.

Key Highlights:

1. Naming the Fear: Understand and acknowledge the collective anxiety surrounding the current economic instability, from rising costs to job insecurity.
2. The Power of the Pause: Learn why this "universal pause" offers a valuable opportunity for introspection and re-evaluation of your financial priorities and habits.
3. Mastering Your Financial Equation: Discover the fundamental equation of income, expenses, and savings, and how to actively adjust both sides to build a more secure financial foundation.
4. Shifting Your Perspective on Budgets: Reframe your view of budgeting from a restrictive measure to a tool for creating spending boundaries and protecting your financial freedom.
5. Identifying Opportunities in Uncertainty: Understand how those who are financially prepared can navigate economic downturns to their advantage through strategic investing and a long-term mindset.

Discover how to shift your perspective, take control of your financial equation, and even identify potential opportunities amidst the uncertainty. If you're feeling overwhelmed by the current economic climate, this episode offers a path toward calm, clarity, and proactive financial strategies.

Links:

1. Get Notified - Personal Finance Course!

Want to hear a specific topic? Text Us!

Always and Never About Money Episode Links:
Video Podcast: https://www.youtube.com/@MoneyMasteryWithChelsea
Socials: https://linktr.ee/the_money_whisper
Money Mastery Website: www.moneymastery.work
Reddit: https://www.reddit.com/r/AlwaysandNeverMoney/

Are you ready to master the art of negotiation and transform your life? Join us for an empowering conversation with Tricia Brouk, a renowned director and speaking coach, as she shares her invaluable insights on how to confidently negotiate your worth and unlock unprecedented success.

From her days as a dancer in New York City to coaching top speakers on the TEDx stage, Tricia's journey is a testament to the power of knowing your value and refusing to settle.

Key Highlights:

1. Overcoming the Fear of Negotiation: Learn how to coexist with fear and confidently ask for what you deserve, turning potential rejection into powerful opportunities.
2. Knowing and Articulating Your Worth: Discover how to quantify your value and articulate your unique contributions, giving you the leverage you need in any negotiation.
3. Expanding Beyond Monetary Compensation: Explore the art of negotiating beyond salary, including travel expenses, testimonials, and access to valuable networks.
4. The Art of Creative Negotiation: Understand that negotiation is a creative, back-and-forth process, where "no" doesn't mean the conversation is over, and alternative solutions can be found.
5. Building a Legacy of Abundance: Recognize the importance of negotiating your worth to not only improve your own life but also to create a legacy of empowerment for future generations of women.

Discover practical strategies to overcome fear, identify your leverage, and build a life of abundance. This episode is a must-listen for anyone ready to step into their power and create a lasting legacy.

Tricia Brouk, an award-winning director and producer, empowers professionals to become influential speakers through authentic storytelling. Founder of The Big Talk Academy, she's certified countless speakers and produced TEDxLincolnSquare. Author of bestsellers "The Influential Voice" and "The Invitation," Tricia's expertise spans decades, placing speakers on global stages and helping them monetize their expertise. Her podcast, "The Big Talk," ranks in the top 1%. Her work, including the documentary "Big Stages," solidifies her as a leading voice in speaker development.

Tricia's Links:

1. Website
2. Socials
3. Free Masterclass
4. Documentary

Want to hear a specific topic? Text Us!

Always and Never About Money Episode Links:
Video Podcast: https://www.youtube.com/@MoneyMasteryWithChelsea
Socials: https://linktr.ee/the_money_whisper
Money Mastery Website: www.moneymastery.work
Reddit: https://www.reddit.com/r/AlwaysandNeverMoney/