This episode is from one of my coaching calls. If you are interested in financial coaching services please visit my website: https://www.onroutefinancial.com/

In this episode, I bring back a guest for a 6 month update. My guest went from making $0 with a determination to make it work to a $12k month.

She took the time to build sustainable financial habits, and now we talk about maintaining those habits.

Maintaining sustainable financial habits is one of the keys to financial success. Listen in as we get into it!

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https://www.instagram.com/kristy_runzer/

This episode is from one of my coaching calls. If you are interested in financial coaching services please visit my website: https://www.onroutefinancial.com/

In this episode we tackle the challenges of facing tough financial times and transforming them into a roadmap for success.

My client candidly shares their experiences of not always making the best financial decisions and the difficulty of recovering from such setbacks. However, they were determined to take control and manage their finances in a way that felt good and sustainable.

With an entrepreneurial spirit, she ventured into the short-term rental business and freelancing. Their goal is to achieve a monthly income of 10 - 12k, covering their bills, savings, and providing a cushion for unforeseen expenses.

We discuss the importance of distinguishing an emergency account from a regular savings account, allowing her to plan and budget wisely without dipping into funds meant for other goals.

Developing an expense tracking habit is a crucial step in this journey, and she shares her experiences of adopting this new habit. We explore strategies to make expense tracking work effectively and tailor it to their unique needs.

We talk about:

• Making smart financial decisions
• Distinguishing different accounts for different goals
• Establishing an effective tracking system
• Developing good financial habits

Follow me on Instagram: https://www.instagram.com/kristy_runzer/

This episode is from one of my coaching calls. If you are interested in financial coaching services please visit my website: https://www.onroutefinancial.com/

In this episode my client shares her experiences of navigating the real estate market in California and the challenges of balancing practical spending with building long-term wealth.

Despite being excellent savers and practical spenders, my client shares her realization that having a savings mindset isn't necessarily the same as a wealth-building mindset. While she has efficiently handled childcare and kept costs low, building wealth in other ways feels like a significant obstacle.

I coach on strategies to balance present needs with long-term goals and empower and how to pave a path to a secure and fulfilling financial future.

We talk about:

• Home ownership
• Wealth building mindset
• Spending and saving habits
• Switching from scarcity to abundance
• Strategies for long term goals

Follow me on Instagram: https://www.instagram.com/kristy_runzer/

This episode is from one of my coaching calls. If you are interested in financial coaching services please visit my website: https://www.onroutefinancial.com/

In this episode we talk about overcoming debt, managing a mortgage on an expensive house, and finding empowerment as a newly self-employed individual.

With my client’s spouse laid off since COVID, she had unexpected challenges. She reflects on the exhaustion of continually learning new skills, emphasizing that she doesn't wish to become a financial planner but still wants to feel confident in managing her money.

I coach that budgeting doesn't have to mean constant scrimping and saving; instead, we explore how understanding your area of value can redefine your relationship with finances. My client embraces a well-rounded approach that allows her to be lean, invest wisely, and pursue her passions.

We also discuss how to reevaluate investments to align with her goals and financial values, especially when market movements don't align with her vision.

We talk about:

• Smart investing
• Investing that aligns with personal goals and vision
• Understanding your relationship with money
• Finding people invested in your well being helping manage your money
• How to invest in volatile markets

Follow me on Instagram: https://www.instagram.com/kristy_runzer/

This episode is from one of my coaching calls. If you are interested in financial coaching services please visit my website: https://www.onroutefinancial.com/

In this episode, we'll dive into cash flow and explore how it fluctuates on a month-to-month basis. And more importantly, how you can prepare for those lower end months.

My client and I talk about the difficulties of when the money feels tighter than others, presenting challenges that require careful budgeting and resourcefulness. I share practical tips to navigate these periods, ensuring that she stays on track with her financial goals.

We talk about:

• Budgeting and money management
• Financial liquidity
• How to navigate surplus and low months
• Mindset practices around money management

Follow me on Instagram: https://www.instagram.com/kristy_runzer/

This episode is from one of my coaching calls. If you are interested in financial coaching services please visit my website: https://www.onroutefinancial.com/

In this episode, I coach on the benefits of the solo 401k and provide insights on leveraging this powerful retirement vehicle.

We also talk about making monthly contributions and taking advantage of tax regrowth. I coach on strategies that allow you to systematically build your retirement savings while benefiting from potential tax advantages.

I also coach on the importance of setting both long-term and short-term financial goals. Whether it's planning for retirement, funding education, or saving for a dream vacation, it’s important to know where your money is going.

We talk about

• Solo 401ks
• Optimal strategies for saving for a down payment
• Long term and short term financial goals
• Real estate investments
• Tax regrowth

Follow me on Instagram: https://www.instagram.com/kristy_runzer/

This episode is from one of my coaching calls. If you are interested in financial coaching services please visit my website: https://www.onroutefinancial.com/

In this episode we talk about planning for babies and college funds, because setting our children up for success starts with smart financial decisions is a great goal for many.

We discuss the importance of thinking about investments early and starting right away. By making informed investment choices from the beginning, we can create a solid foundation for our children's future. Our aim is to alleviate the stress of student loans and break the cycle of financial burden.

I coach on strategies to get money saved, estimate what investment amounts need to be made, and how to calculate approximate costs 10 years from now.

Estimating future college prices and investment returns is crucial. I walk through the process of calculating the potential growth of investments over time. By considering factors such as the rate of return and projecting college costs, I help develop a realistic financial plan that aligns with my client’s goals.

We talk about

• Different kinds of investment funds
• How to allocate funds appropriately for smart saving
• How to calculate projected costs of college
• Why it’s smart to start thinking of investments early

Follow me on Instagram: https://www.instagram.com/kristy_runzer/

This episode is from one of my coaching calls. If you are interested in financial coaching services please visit my website: https://www.onroutefinancial.com/

You're in a good place with your finances, but have you ever thought about what's next? In this episode we the mindset of thinking beyond the present and taking your financial journey to the next level. I challenge you to dream bigger, set new goals, and walk a path that aligns with your higher aspirations.

I also guide my client on she can create a strategic approach that aligns her financial resources with her passions and desires. You can too!

If you’re too conservative with your savings, we address the overthinking that comes with that. How do you allocate money to things your truly desire, but you question their worth?

Remember, if you have resources, it's time to utilize them. Leverage your financial means to craft a life that reflects your unique vision. It's about doing things your way and seizing opportunities that resonate with your values and goals.

We talk about

• Conservative spenders
• Determining value in our purchases
• How to have fun with your money
• How to use your resources well

Follow me on Instagram: https://www.instagram.com/kristy_runzer/