VIBE: Empowered

I found this quote on Instagram...or did it find me? And it stuck with me until I knew I had to record an episode about it. When do you truly know that you are stepping off the beaten path, the one everyone else has chosen and when do you know you are truly on the "Golden Path" - the one always destined for you and solely for you. Listen to this episode to find out! To unlock access to our exclusive Newsletter for the ambitious, spiritual woman, click here

In this episode I talk about how self-worth and the ability to give yourself permission to be, have and do whatever you desire is the real currency of the Universe. Quote: "Money is not the currency of the Universe"

Going from living in a van with her children and dogs, and from living off foodstamps to rising again to be the head of a foundation, bestselling author and TedX speaker with a mission. Ecosystem wellness scientist and founder of Oceans of Grace, Dr Collette Wayne, joins us for a deep dive into her personal story of struggle and what it truly takes to ultimately come out winning. For access to the free video of Dr. Collette Wayne reading of her chapter called Surrounded by Oceans of Grace and discussing 5 steps to living in your telos, to get a signed copy of the book Rise Up, or to learn more about the services Oceans of Grace offers to help people, animals, and habitats live in their true telos, please visit OceansofGrace.earth or email: info [at] OceansOfGrace [dot] earth

Forgiveness is misunderstood and underpracticed but can be a huge money-maker to say the least. Let's dive into the secrets of forgiveness together Ho'oponopono Cleaning up relationships by Christine Reffo Forgiveness Meditation by MasterCo

Based on my own story with losing a parent, I share how important it has been for me to move on and not simply continue living. If you have a story of loss and grief, I can only recommend this episode for you. Click here for free access to the 4-Step Success Formula, as mentioned in the episode Email me under podcast [at] christinereffo [dot] com

Why should you have a donation schedule in place? What's the point of spending money when you want to have more money? This is the ultimate way to create a virtuous cycle of good fortune. Tune in!

Are mutual funds my friends? Are client advisors for me? How much can you trust that those professionals have your best interest at heart? After 5.5 years in the industry and a bachelor in finance, I still had a lot to learn about who is my friend in the financial industry. Let's dive deeper into how to invest your hard-earned money and what you should pay attention to. Book discussed: Tony Robbins - Money Master The Game Disclaimer: I am not a financial professional or advisor. So please don't listen to a random person on a podcast. In this case, the random person is me. Don't listen to me either. Just take what I say to go deeper into your own research and awareness about your finances.

Are you feeling stuck about your financial future? Unable or seemingly unwilling to take action? We are introducing you to Mutual Funds but before, let's talk about why you may not be taking your financial future into your own hands, what the underlying energy is saying and why you may not have taken the steps that you long know to take...but simply cannot.

From delegating your financial authority to the inner workings of a bank, throwing wrong solutions at your problems and eventually the 3 steps I wish you would take right now to begin your investor journey. The account is called FemaleInvest (not feminvest, my bad) and this is my Interactive Brokers link, which you can use if you end up choosing Interactive Brokers - most definitely NOT a sponsored ad.

From disciplining the inner child to hoarding piles of money and creating financial allocations that essentially guarantee me a future of wealth, in this episode we go there and beyond.

Quick, no frills episodes on insights I have throughout my days. Enjoy!

In this episode we are talking about how to calculate your financial freedom number. The very number that you need to target to be financially free with no need to work again, ever, if you don't want to. Having said that, we will do a quick detour into the mindset of "never working again". Your financial rule-of-thumb formula: Your monthly expenses multiplied by 12 to get the annual figure and all of that divided by the percentage of return on your investments = Your financial freedom number e.g. EUR 4'000 x 12 / 5% = EUR 960'000 At a yield of 5%, you need about EUR 960'000 in your portfolio to be able to pay all of your basic expenses without moving another finger. This is a crude formula but it gives you a ballpark number for now. Remember that with the power of compounding, you will not need to save nearly a million. It will grow to that amount as you keep putting money into your portfolio and your portfolio will grow it for you. If this is over your head for now, don't worry, we will talk about investing next.

I have been on an experiment over the past two months - reducing my food budget by 10%. Not out of scarcity but out of a need to exercise my budgeting muscle and learn to say no to myself when the urges to buy something hit me. In this episode I am going into why I have been running this experiment, what I have learned from it and how you can do the same thing in a very simple repeatable way. May the power of budgets be with you!

Spending your money on Temu? Feeling like you have your next purchases already on your mind, just ready to blow your next income? This episode is for you, if you need a reset on your money mindset. We talk about the reasons why we spend, how advertising is designed to go into your wounds and the future value of a single dollar. All in the spirit of you creating your own financial freedom! Any questions or input? Email me at podcast [at] christinereffo.com Enjoy!

Short snippets of my daily thoughts and realizations without any fluff. Enjoy!

Got money goals? Great! But did you know you need certain things in place before you can even make (and keep) more money? In this episode we kick off the money talks with the most important steps no one ever mentions. Email me under podcast [at] christinereffo.com

An update on my personal journey over the past 6 months, from exploding chakras, orgasms during meditation to the shifts in my entire sense of Self. I am sharing what I have been doing to get there and what you too can do every day to experience the same. Enjoy! Questions? Email me at podcast [at] christinereffo.com

We are picking apart the different flavours of self-sabotage so you can identify where you are holding yourself back from achieving your goals. PS: It's more complicated than you think! Questions? Email me under christine [at] christinereffo.com

No frills, no fuzz quick soundbites of insights I share in my Thought of the Day episodes. Start your morning with a little dose of light!

Short, concise, happy and to the point insights into the human psyche, spirituality and the why of things. No frills, no fuzz but as a result, more frequently!