How to Stop Underearning and Achieve Financial Independence

You’re listening to the Mastering Money in Midlife podcast with Debbie Sassen, Episode 77.

Welcome to Mastering Money in Midlife, a podcast for midlife women in business to overcome financial anxiety and make more money without burning out or sacrificing their families. Join Certified Life and Money Coach Debbie Sassen, as she shares practical business strategies and mindset shifts that help you dissolve the money blocks that keep you stuck in a cycle of underearning and undersaving, sabotage the growth of your business, and prevent you from building the wealth that you desire.

Hello, my friends, and welcome back to the podcast. I am recording this podcast on a very special day. Today is Yom Ha’atzmaut, Israel Independence Day. Today we are celebrating 75 years of independence in the State of Israel, and that is a remarkable achievement.

It was after the Second World War, there were Jewish refugees. I mean, 6 million Jews had been killed in the Holocaust during the Second World War, and of course, millions of others. But I’m focusing specifically on the Jewish people. That was also after a 2000-year history of enduring pogroms and expulsions and persecutions all over the globe; wherever the Jews had landed; that we were granted by the United Nations General Assembly, a state in the Holy Land, the land of Israel.

Every year, on the fifth day of the month of Iyar, we celebrate independence. I’m very, very blessed to be living in the State of Israel, on the Holy Land of Israel. And I also want to point out for my non-Jewish listeners, or those of you who are not so familiar with how we celebrate and mark this event in Israel, that Israel Independence Day is right after Yom Hazikaron. Which is the Memorial Day for fallen soldiers, who fell during active duty protecting the State of Israel, and also victims of terror.

Unfortunately, this year we have continued to be witness to many, many, many victims of terror. Yesterday, on Yom Hazikaron, the Memorial Day, we also marked more than 23,000 people who died either protecting the State of Israel during their active duty in the army, or who were victims of terror. I just want to take a moment to recognize that, to be incredibly grateful and thankful to the people who put their lives on the line and risked their lives in the army.

Of course, we’re always protected by God. And people in the army, doing their jobs, their volunteer work in the army, are the natural way that we also show up and protect the state that we live in. Yesterday, which was Tuesday… Today’s actually Wednesday morning, when I’m recording this podcast… I wasn’t really in the mood to record the podcast. I know that I’m committing to Tuesdays, but there was an overall sadness that I was feeling, especially in the last couple of months.

There have been so many terror incidents, and I was just feeling that and being in that space, rather than feeling like recording a podcast. So, that is the juxtaposition of the sad and the happy, the bitter and the sweet, that our lives revolve around every single day living in the Holy Land.

And today, we’re celebrating our Independence. What a miraculous thing it is, that after over 2000 years of being banished from the Holy Land… And in fact, there has been a Jewish presence in the Land of Israel for those 2000 years; there were always small enclaves of Jews.

But now we are recognized by the world as an independent state. And so today, I thought that I would take that theme of independence and tie independence to achieving financial independence. And specifically for entrepreneurs, how you do that through your pricing.

The first thing that I want to talk about is really defining what is independence? I actually went to my good friend, Google, to understand what independence is because I didn’t want to get it wrong. Because we all think that we understand what independence means, but dictionary.com defines independence as: Freedom from the control, influence, support, aid or the like, of others.

What’s interesting, is that in Israel we do get financial support every year from the United States. We also have military support in certain ways from the United States, they are our biggest ally. There are countries in the world who are big supporters, and there are supporters of us in the United Nations. We are also surrounded by many neutral countries, and we are surrounded by many hostile countries. So, it’s interesting to be celebrating Independence. And then, also recognizing what facts on the ground are.

And so, my definition, really, of independence is that you have choices. And again, because of the political scene… And politics was never something that I was drawn to, never something that I studied in high school or college. I never took a political science class; it just has never been the thing that lights my fire. So, I’m not going to go down that route. I’m only going to talk about financial independence.

I think, actually, that you can be financially dependent, even when you are receiving financial support from others. This is also where I differ from the dictionary definition. So, I’m going to be very simplistic in my definition of financial independence. And that is: That you have more financial choices.

We all have financial choices. Sometimes we don’t recognize that we actually have choices, we sort of feel stuck where we are. But I would like to bring to your attention that if you really look at all of your expenses, and if you look at the ways in which you are earning money, you have way more choice available to you than you believe.

I’m going to take as an example, housing. Now, it is a value system in my family to live in a Jewish community. To live in a Jewish community where Torah learning thrives. To live near a synagogue. That’s one of our values, and so we make a choice to live in a certain community.

Some people will say, “I don’t have a choice, I have to live in this community because these are my values.” When you make yourself sort of stuck, like, “This is what I have to do. My spirituality is important to me. My children’s education, and their future is important to me. And therefore, I have to live in this community,” that is when you give up your power, and you’re in a place of not having choice.

My invitation to you to become more financially independent without changing anything in your life, is to look at all of the expenses and look at all of the ways in which you earn income. And decide, really critically, which ones of those are choices that you have made, but you just maybe forgot that you made the choice.

I invite you to re-choose everything that’s on your list. And if there’s something that you’re looking at; it could be as simple as a magazine subscription, the kind of car you drive, the clothing stores that you shop in, or various food products that you buy. You might want to recommit to those out of choice. And you might decide that many of them they’re not really the choices that you would make today when you look at them critically, and then you can opt out of them.

You can cancel subscriptions. You can stop buying in certain stores. You do have way more financial choice than you allow yourself to believe. And that also comes with, where you decide and how you decide to save your money and invest your money.

You might be working with a financial planner or investment manager or a broker. And there’s a long-standing relationship with that person; it could be a 5-year relationship, 10-year relationship, 20-year relationship, it could be in the family for years. You might decide that that financial advisor isn’t doing you any good; might be that they’re not doing bad for you. But you feel uncomfortable severing that relationship.

And again, I would like to invite you to examine that and decide if you want to recommit over and over again to that relationship, because maybe it’s time for you to choose differently. Take back your power, reclaim your financial authority and independence, and make different choices. But really, in the overall scheme of things, I just want you to think bigger about money.

Because you can cancel a magazine subscription. You can decide not to buy your coffee and your lattes at the local coffee store. And I think you will save a lot of money if you do that. However, if you put your focus and attention on growing your business and making more money, that will give you more choices with your money.

It’ll give you more, different ways that you can spend your money. You might not feel limited by the choices that you can make. And you might actually have things that you have wanted to do in the world, accomplish in the world, buy in the world, donations that you want to make. When you think about earning more money and allowing more money into your life, that is really what gives you more choice and more influence and impact and empowerment in the world.

So, we’re going to be talking today about your prices. Because the level at which you set your prices influences how much money you believe you are worthy of receiving, and how much money you allow into your life. Again, this is a choice. I’m inviting you to examine the prices that you charge for your services. Really analyze and assess, are you underearning?

Is the money that you are making in your business, that you are bringing into your business, and even the expenses that you have in your business, is it keeping you in a revolving state of underearning? Or is it expanding your life? Is it expanding your thought leadership in the world? Is it expanding who you are and the impact that you can have in the world?

I want to give you five different ways that you can look at your prices, think about them differently, and probably nudge up your prices a little bit. Even though as I’m recording this podcast, we are in 2023, and we are in a global financial recession; it affects some industries more than others. But the way we think about our prices, and the way we set our prices, matter.

So many of us, when we set our prices, we look at the people who are buying our products and our services today. We’re thinking about them and their money blocks and their limiting beliefs around money when we’re thinking about raising our prices. You might think to yourself, “I can’t raise my prices, it’s a lot of money. My people can’t pay that amount of money. If I raise my prices, people aren’t going to work with me.”

But the overriding theme when you’re thinking that way, is that it’s a lot of money. And my question really is, for whom is it a lot of money? Why are you choosing to even believe that your price is a lot of money? That’s really a scarcity mindset, when you’re projecting a value of a lot or a little on a neutral price.

All prices are numbers, all prices are neutral. They’re neither a lot, nor a little, they just are a number. And it’s really important to focus on the fact that the context in which you quote your prices matters. Is your price going to speed up a service? For example, Federal Express, and I love to use this example.

Federal Express will get your letter from New York to Los Angeles in a day. We pay for speed. If you’re going to send your letter by regular USPS, postal service, it could take three days, it could take two weeks. I don’t really know how long it takes with the US Postal Service these days. But speed matters. So, if your service will speed things up for people, that is very highly valuable, and you get to charge for that.

You also have to think about the long-term value of what you offer your clients. Is it something quick and generic, like Federal Express, which might be replicable by UPS or DHL or other services? So, you get to pay for a service that’s pretty like fungible between one service and the other. You might have reasons or a business agreement for why you would use one service provider versus another.

Or are you doing something, like I do coaching, which is very specific to my clients, and each client gets a much more custom tailor-made service? And it doesn’t end just after one or two days, when we get the letter from New York to Los Angeles. But our engagement continues over a six-month period of time, a nine-month period of time or a 12-month period of time. And when my clients change the way they think about money, they change the way they handle money, they change the prices that they are charging for their services. There is a lifetime benefit to the work that they do.

In fact, yesterday, and this is just synchronicity, one of my clients, I worked with my client and her husband three years ago on their business, their finances in their business, and their money blocks. And there was a lot of mess in their finances.

When we really, really got deep and into the fine points of their business, there was a lot of overlapping expenses in their business. There were services and subscriptions that they were paying for that they no longer needed. There was a lot of waste and fluff. And we cut out a lot of what was going on.

When I say financial choice and recommitting to the things you have, that’s a lot of what we did. They opted out of many subscriptions and services. They had service providers that they stopped working with. And they brought things back home, they started doing things in-house. And their business, which was half a million dollars in revenue at that time and wasn’t profitable, is now a multi-million-dollar brand business.

I received a voice message that they look at their numbers like detectives. Weekly, they have financial meetings. And it’s so much fun. Really, the work that we did was transformational, and they continue to benefit from it. And that’s three years after we stopped working together.

So, when I look at my work and the impact it has on my clients, there really is a long-term benefit to the work that I do with my clients. This is your invitation to think about the context in which you work. Is it just a one- or two-day thing where you’re getting a letter from New York to Los Angeles? And that’s the end of your relationship with your clients, until maybe the next time if your deliverable was on time, and your clients were happy and the letter didn’t come all scrunched up. Then, people come back to you.

Is it a very short-term engagement, which is relatively exchangeable with other service providers out there? Or are you providing something unique? The way you look at your services really matters. And the way you really dig into the deliverables for your client and understand the value of what you are giving to your clients, that really, really matters for the long term of their life, and how you can price that out.

So, that’s number one. That there is no such thing as a lot of money. The price that you charge is really a value exercise, and you have to look at it in terms of the long-term value. And then, I’m just going to add one more point.

Because when you’re working in a custom designed type of work, like the work that I do, that really, everything that you bring to your relationship with your clients, meaning your life experience, your business experience, your contacts, the books that you’ve read, the podcasts that you listen to, all of the influences, there’s just this stew that’s been simmering inside of you for 30, 40, or 50 years.

All of that is your unique gift to yourself, to your clients, to the world. And there is never going to be anybody else like you in the world. There is never going to be anybody else who can provide exactly what you’re providing, in the exact same way that you’re delivering it. Okay, so that’s number one. Get rid of that thought, “That it’s a lot of money,” it just is a price.

Okay, the second thing that I would like to highlight is the amount of time it takes for you to raise your prices. I’ve worked with people who hadn’t raised their prices for two years and three years and four years. I’m not talking about not raising your prices during a recession. Some people might be looking at the prices now and be thinking, “No, it’s a recession. I can’t raise my prices.” Although, let me just point out that a lot of people are raising their prices because of inflation.

When you go to the supermarket, you may have noticed that the price of your eggs and your milk and your cereals and your fruits and your vegetables… Prices around the globe have risen. And so, you also get to raise your prices, because the overall level of prices in the world is going up.

But leaving inflation aside, let’s just go back to the amount of time it takes between your last price hike and the price you are quoting now. There is no fixed amount of time between your last price hike and your next price hike. Some people think they need to wait six months. Some people think they need to wait a year.

Certainly, if you have not raised your prices for three or four or five years, this is your invitation to raise your prices now, because you are a completely different person. You’re a completely different service provider from the person who was doing the work that you were doing so many years ago. But again, the amount of time that you have been in business does not matter, what really matters is the results that your clients get.

If I go back to that FedEx example, if all of a sudden, there was a new company on the block, and they were able to get my letter from New York to Los Angeles in eight hours every single time. Maybe they had their own private planes, and they were able to fuel them and use them. They could do it every single time without fail, New York to L.A.

I’d be like, “Wow, that’s a great service. They’re 100% reliable. I know they’re the new kid on the block, but it’s okay. I’d be willing to pay twice what FedEx charges. Just because they’re a new business, they do the work that they do, and that would be highly valuable to me.”

The results that your clients receive and enjoy and benefit from, from the work that you do, that is what matters. Not if you’ve been in business for 20 years, and not if you’ve been in business for 20 months.

If your clients are getting results; they’re happy, they’re satisfied, you have amazing testimonials from your clients; that is the one and only thing that matters; if you can help them solve their problems, if you can help them get solutions to the things that they’re dealing with. And again, there will never be another you. You are unique. You are special. You are custom-designed and made in the image of God.

And for clients who are getting results, you get to charge out for that. You get to raise your prices, even if you raised your prices two weeks ago.

The third thing that I want you to think about with your pricing, is the results that your clients are getting. Now, some people might be hesitant to raise their prices, because you’re like, “Well, not all of my clients are getting results.” Let’s say for example, you are working with 20 clients, you have 20 one-on-one coaching clients.

This could be my example. At the moment, I have a group program and a handful of one-on-one clients. My main work these days is with my group. But back in the day, when I was working with 20 one-on-one clients at the same time, I could have said, “Well, not all of my clients are getting results. I can’t raise my prices until I have 100% results from my clients.”

Here’s the thing, I cannot be in the homes or in the offices or behind the computers of 20 of my clients. I believe that my clients are self-motivated, self-empowered, that they’re independent. Let’s go back to independence; nobody’s controlling them. Right? I do give them support. I do give them accountability, but I’m not in their minds or in their homes 24/7. I can’t be doing the work for them.

I believe that they do have choices. And if they’re working with me, they can choose to show up, change their prices, they can do their billing and invoicing, they can create packages for their clients, and sell the products and services. I believe that my clients are filled with their own unique genius.

And if they’re showing up and they want to do the work, they really can get results from the work that we’re doing. But there’s a lot that’s not in my control. I can think in my head, and I can super think about my clients, and I can try different ways of explaining things. I can give them worksheets to support them. There’s nothing like a good worksheet, which helps you get things out of your mind and onto paper. Right? I love worksheets.

I love journaling, it’s just an amazing way to get that pea soup living in my brain down on paper. And sometimes, my clients might need more worksheets. I don’t like to overburden them with tons and tons of worksheets, because I think they have work to do in the world. But just thinking on behalf of my clients, what I could do to get them better results and faster results? That’s in my control. That’s where I have my independence. And I also believe that my clients are fully independent.

And with my support and accountability and my vision, because I’ve been doing what I’m doing… And God gave me my intuition and visionary gifts… I can help them get results. But I’m not going to do the work for them.

When I believe that I have to do the work for them, and I love helping my clients with their copy, pointing out blind spots, and things like that. That’s part of the work that I love doing to get them results faster. But when I believe that they need me and the results are 100% in my hands, it really makes them kind of a victim and it turns me into a savior. That’s not a good relationship for either one of us.

We really get to be peers; we just have different life experiences and business experiences. My clients can benefit from my experience and my wisdom, just like your clients can benefit from your experience and your wisdom. So, never believe that your prices are fully dependent on your clients’ results. Right?

If none of your clients are getting results, that is definitely a wakeup call that you need to do something differently about your work. But if some of your clients are getting results, and some of them are not, then here’s your invitation to think harder about the clients who are not getting results. How you can help them better, believe in their wholeness, believe that they really are capable, and they’re committed to success, and then just think positively on their behalf.

Okay, another pricing myth that we want to debunk today, is that you have to honor your old prices. I remember, I think it was last year, one of my clients sent me a message on WhatsApp. He had put out a proposal to a potential client, it was a $5,000 proposal. And after many, many months, his client came back to him and said, “Can we do this?”

Now, during the time that I had been working with my client, he stopped offering $5,000 packages. It just wasn’t in alignment with who he was, and the best value that he could be offering his best clients, so his package had gone up to $10,000. He really was in a conundrum, like, “What should I do with this client?”

And I said, “Listen, you don’t need to honor your old prices.” I like to think about it like you go into the car dealership. Here we are in 2023. Imagine you went to the car dealership a year ago, and the price of the car that you wanted to buy was $30,000.

I don’t really know car prices, because we have a company car and we’ve never bought a car. And prices in Israel, because of the VAT that we pay on imports, is very different from what’s going on in the rest of the world. So, if $30,000 is not even a reasonable price for a car, then just use my example.

But let’s say that last year you went to the car dealership, and you had a car in mind that was $30,000. And now, here we are in 2023, and you go back to the car dealership and you say, “Okay, we got the funds together, we’re ready to buy the car.”

And they’re like, “Hello, number one, we don’t have that model anymore. That was a 2022 model. And now, we’re dealing with 2023 models. And even if we could find you a 2022 model in inventory, prices have gone up. We don’t offer it at that price anymore. Today, if you want to buy the newer, more improved version of the car, it’s not $30,000 anymore, it’s $33,000,” or $35,000. The car dealership is under no obligation to honor their previous price. And neither are you.

Again, you have another year of experience, or another six months of experience, you’re offering different packages to your clients, you’re doing different things, and you get to raise your prices. You never have to honor your old prices.

Now, if you want to, if there’s a reason, then you’re invited to go and do that, but don’t believe that you have to honor old prices. And that goes also for your existing clients. Even if you’ve been working with clients for two years, three years, and five years; depending on the kind of work you do. If you have clients that come to you over the long period of time, when you raise your prices, again, you’re not the same person.

Your services are not the same, the value of what you offer is different. You get to raise your pricing for existing clients, too. Now, you might want to give them a little bit of a runway, a heads-up. “Hello, I just want you to know in two months from now, I’m raising prices. I’ve already done it for my newer clients, and I’m giving my existing clients another two months of grace.” That’s fine, you can do that.

But I have worked with people, and this is particularly prevalent among the therapists that I have worked with, is that they had people on different pricing scales. Now, some of it is because its needs-based and adjusted based on needs. But sometimes they’ve just been working with people for years and years in a therapy setting. Could be two years or three years and their clients have been locked in at an old price.

Again, because of your experience, because of your practice and the people you’re working with, those prices don’t represent who you are today and the value of what you give your clients. Think about it this way. Let’s say you have a client who’s paying $100/hour who has been with you for three years. You have a new client who’s paying you $200/hour because you raised your prices.

If you’re not willing to feel uncomfortable, by raising your prices for your existing client who’s been with you for many, many years, it could be that you’re crowding out somebody new who needs your services today. And really think about when you’re saying ‘yes’ to one client at an old price, you are potentially saying ‘no’ to a new client at your higher price. And that could keep you in a state of underearning.

That can also keep you in a state of believing that you need to keep working with your own clients. Let’s just go back to that example that I gave before; it could be turning you into the savior and your client into the victim. And I don’t want to cast aspersions, but this definitely could be something that is happening in a therapy setting.

I did, many years ago, have a client who had been working with the same therapist for over 20 years. My question was really, what is going on in this relationship, that it is extended over a more than 20-year period of time? Anyway, those are just my thoughts on therapy. But I’m not a therapist and I don’t want to say anything negative about the industry.

All right, the last point that I want to bring in about your prices and underearning, is when you are believing that there is not enough money in the world, or there are not enough clients in the world, and that you need to keep your prices down in order to attract money, or to attract clients. You’re really living in a scarcity.

I’m going to point out again and again and again, that your price represents the value that you give your clients, over a long-term period of time. It also represents the value that you share with the world, with the many clients who will never pay you money. But believing that there is a limited amount of money or limited amount of clients who can come to you will keep you very, very constricted.

It will keep you living in lack, it will keep you in a scarcity mindset, and scarcity will course through your nervous system. And many times, the scarcity that’s living inside you, in your body and in your nervous system, does come from your family of origin story around money; there wasn’t enough and there was scarcity and deprivation. And so, that lives inside of you, on a body-centered level.

Then, you’re invited to do some other mind-body-money work in order to release those money blocks and patterns of behavior and things that are living in your body. But I’m just inviting you to reframe and rethink the way you think about money.

Number one is that God is unlimited. God can do everything. God can do anything. God can figure out how the printing presses in various countries can print more money. God can figure out how we can circulate more money around the world through various apps. God is unlimited, and he can supply us with an inexhaustible supply of money.

Money is really limitless. I can pay you for something, you can pay me for something. We can keep going back and forth, we can keep making money by exchanging money. It doesn’t usually work that way. Usually, money moves in a much, much more circular way.

I receive money from my clients, I pay my electricity bill, I pay my phone bill, I pay my water bill, I go to the supermarket and I buy products at the supermarket, I pay my virtual assistant, I pay my podcast producers, right? Just think about all the ways that money moves to me and money moves through me. And think about the ways that money moves to you and through you.

We are just a conduit for money. And that money keeps going around and around and around in circles. There is something called the “velocity of money”, the speed at which money moves through the world. And because money just keeps going around and around, there is an unlimited supply of money that you can access when you open your mind and your body; because this is a nervous system thing; open your money to receiving more of the abundance and money that the world and that God has to offer.

I also invite you to think about your clients. And when you’re thinking about pricing your clients, like to people who don’t want to pay you, who have their money blocks and are in their own scarcity mindset, that’s not going to create a very loving, abundant relationship with money. So, I invite you to think about the people who want to pay you money.

And remember that you have clients that you’re working with right now. Those are people who want to pay you money. And just think about that over and over again, “People want to pay you money. People want to pay. People want to pay you. People want to pay you money.” Really think about that over and over and over again.

You have evidence in the world that that is true, because right now you have clients who are paying you money, or who have paid money and who want to pay you money. There is an inexhaustible supply of clients who can come to you. I can never take your clients and you can never take my clients, because as I like to believe, and I’ve shared this before, my clients are divinely contracted to work with me.

I really trust that God figures it all out. Who knows who’s supposed to work with me, who’s supposed to work with you, who’s supposed to work with all the different people in the world. When I get out of that scarcity and lack mindset, believing that I have to go grab and grasp my clients in the world. And I really shift to the abundant mindset that God already figured out. Right? He has already decided who is supposed to work with me, and when and at what price.

He’s already figured out those contracts, I just have to bring them into existence and bring them into reality, in the world, by doing the normal work that I do every day; showing up, sharing my podcasts with you, doing the work with my clients, showing up online; that’s the work that I do. And when I do those normal things that business owners do, then I open the door for God to send to me the clients that he has contracted to work with me.

The last point that I want to bring in, this is especially for my female listeners, is that when women make more money, nothing bad happens. There are so many mindset blocks that we as women have living in our heads; that we’re not good with money, that we can’t be trusted with money, that money is a man’s world.

But when we allow more money to move to us, we really believe that nothing bad happens when women earn more money. There is so much money available in the world. Women really do good things with money; we pay it forward, we pay our cleaning ladies, we share it with other people, we give donations and to charities. We establish charitable organizations.

We find ways to support the world, in bigger, beautiful, more beneficial ways for all of humanity. We really heal the planet, when we allow more money to move through us. Women are compassionate, we’re empathetic, we love to serve, and we love to give. How can it be a bad thing for women to have more money?

So really, if you’re thinking that you don’t know about money, and money is a man’s world, and there’s a very limited supply available for you, let’s do a turnaround. Let’s reframe that, and let’s think on autopilot, all the time, “Nothing bad happens when women earn more money.”

All right, my friends, that is what I have for you today. On Israel Independence Day, I really want to help you to get out of a cycle of underearning. And underearning, by the way, doesn’t mean that you can’t pay your bills. It could be that you just have so much more to give to the world, and you haven’t been charging out for it.

And therefore, people in the world aren’t even valuing who you are and what you serve, because you’re not allowing yourself to charge higher prices and receive more money. But again, here are the points that I want you to take home with you.

Number one is that all prices are neutral. There is no such thing as a lot of money or a little money, the price that you charge is neutral.

There will never be another you. You are unique. You have your divine gifts and intuition and way of doing things that God gave you.

People that work with you pay for the results that they get, not the amount of time that they’re working with you, and not the amount of time that you have been in business.

Your clients are perfect, they’re a whole and they are powerful.

You are allowed to raise your prices at any time you desire. Even if you raised your prices two weeks ago. If you have an intuitive download that it’s time again to raise your prices, this is my permission slip that you get to do that.

There is an inexhaustible supply of money in the world. And nobody can ever take the money that has been divinely contracted to come your way. But you get to open the door to allowing it to flow to you and through.

And the final point, which is probably the most important, is that your clients are divinely contracted to work with you. Just like my clients are divinely contracted to work with me. Nobody can take my clients away from me. And when I’m in that space and that mindset and that energy, I just am not in scarcity at all, because I know it’s just a matter of time before my clients show up and knock on my door.

That is what I have for you today. I really invite you to take these messages with you, to stop underearning, to earn more money, to have more money to save and invest, more money for the long term, build wealth for your future self and achieve financial independence, however you describe that.

Thank you so much for being with me today, and I look forward to seeing you next week. Bye.

Thanks for listening to Mastering Money in Midlife. If you want more information on Debbie Sassen or the resources from the podcast, visit MasteringMoneyInMidlife.com.