The Empowered Planning Podcast

‘’You can have it all, you just can't have it at the same time.’’ Hey everyone, welcome back to the Empowered Planning Podcast! I'm super excited to have my friend and past coach, Grace Blacksea on the show today. Grace is the founder of Quench Collective, a community for modern leaders, but is currently working as a Community Manager at LinkedIn. Recently, she became a mom and she’s here to share her journey from running a successful business to juggling motherhood and all the changes that come with it. We'll chat about why she decided to close her business, the financial prep she did for having a baby, and how she handles her finances now. Anyone trying to balance career and family will find valuable takeaways from Grace's story. Whether you’re a new mom, an entrepreneur, or just curious, this episode is a true inspiration. Grab your headphones and join us! You can find episode resources here. Connect with Shinobu on Instagram: @shinobuhindert

In today’s episode of the Empowered Planning Podcast, I decided to discuss the heated debate around America's tipping culture. Have you ever felt pressured to tip or wondered why tipping is even a thing? I researched tipping in America for the past six months, speaking with friends, coworkers, relatives, and clients to see why it is becoming a point of tension for many, how it started, and how it is rising in America. From historical roots in Tudor, England, to the modern-day dilemmas at your local coffee shop, join me to crack the complexities of tipping and what it means for workers and consumers alike. After you tune in, come connect with me on Instagram (@shinobuhindert) and let me know where you stand on tipping!  You can find episode resources here. Connect with Shinobu on Instagram: @shinobuhindert

Welcome back to the Empowered Planning Podcast! It gives me great pleasure to have Dr. Katie D'Amato here with us today. Along with passionately starting Balanced by Katie: Physical Therapy, Yoga, & Wellness, she is also a committed physical therapist. Today she’s going to talk about her amazing journey of leaving a stable full-time job to move into the demanding world of entrepreneurship. We will discuss Katie's difficulties and victories in launching her mobile therapy company, as well as how she manages to balance her goals for both her professional and personal development. You'll find Katie's insights essential whether you're considering starting your own business or you’re just fascinated by stories of transformation in the healthcare industry. At it’s core, this episode shows the reality of running a profitable women-owned business. Grab your headphones and join the conversation! You can find episode resources here. Connect with Shinobu on Instagram: @shinobuhindert

On today’s episode of the Empowered Planning Podcast, we're chatting about something that's really buzzing in online discussions lately—the DINK lifestyle, which stands for Dual Income, No Kids. This lifestyle choice is becoming more popular among modern couples who are all about maximizing their freedom and financial options. Throughout the episode, we will look into why delaying marriage or deciding against the high costs of parenting might make sense for some. Join us as we explore how choosing this path can affect personal satisfaction, career opportunities, and financial stability. Whether you’re a DINK enthusiast, considering it, or just curious, this episode has something for you. Let’s jump right in! You can find episode resources here. Connect with Shinobu on Instagram: @shinobuhindert

On today’s episode of the Empowered Planning Podcast, I had the pleasure of sitting down with Cassandra Caruso—an absolute dynamo in creativity and a devoted mom to three boys. Like many of us, Cassandra jumped into the business world with little background in finance or investing. Her journey highlights the incredible things we can accomplish with self-investment and the proper support. As we unpack Cassandra's experiences, I hope it inspires you to pursue your financial and professional dreams, no matter the obstacles. Keep in mind it's not just about boosting your income—it's about creating positive change in your life and making a real impact on those around you. You can find episode resources here. Connect with Shinobu on Instagram: @shinobuhindert

On today's episode of The Empowered Planning Podcast, we're tackling a question that bugs many of us: To rent or to buy a home? Sure, those fluctuating interest rates and ever-changing housing prices make it tricky, but this choice is more about what fits your life and dreams instead of  just crunching numbers. I'll discuss how the market's ups and downs play into this major life decision and share some of my experiences and tips to help you figure out what suits you best. Curious to find out which option aligns with your personal goals and financial situation? Join me in this episode, where we'll explore how to make a choice that syncs up with your life's path. You can find episode resources here. Connect with Shinobu on Instagram: @shinobuhindert

As a financial educator, I believe having honest and open conversations about money with your partner is crucial. So today, on the Empowered Planning Podcast, I am bringing in a heartfelt conversation with Alisha Cook. Alisha’s story is a testament to the importance of planning, communication, and flexibility when dealing with financial changes. She'll dive into how she and her husband tackled merging their finances, their approach to planning for a new family member, and the adventure of moving from a rental to their own home. I hope Alisha’s experience will give you valuable insights and strategies for managing your finances through life's big moments. Join us now!  You can find episode resources here. Connect with Shinobu on Instagram: @shinobuhindert

In today’s episode of the Empowered Planning Podcast, I discuss the critical yet often ignored (and sometimes truly uncomfortable) topic of estate planning. Still, it's essential for safeguarding your financial future and the well-being of your loved ones. We'll explore the differences between wills and trusts, uncover essential documents for robust estate planning, and share practical steps to get you started. I will share a few examples so you can learn from cautionary tales of celebrities who neglected estate planning and failed to grasp the profound impact it had on their families. When it comes to estate planning, there's a significant knowledge gap between what people think about estate planning and what it actually means. Today, I'm here to break it down and empower you to take decisive steps toward safeguarding your legacy (because, ultimately, that matters!). You can find episode resources here. Connect with Shinobu on Instagram: @shinobuhindert

I’m excited to talk about one of my favorite topics today on The Empowered Planning Podcast – building a career as a mom. As a working mom myself, I’m very familiar with the beautiful chaos of balancing work with family life. In this episode, my close friend and experienced executive, Erica Smith, is joining me as we swap stories and offer tips to help you tackle parenting hurdles while pursuing your career goals. Whether you're looking for inspiration or hands-on advice, this episode is a tribute to all the working moms out there. It aims to empower and guide you through the chaos and joy while reminding you that you can have both! You can find episode resources here. Connect with Shinobu on Instagram: @shinobuhindert

Today, on the Empowered Planning Podcast, I will tackle the crucial world of debt and credit. I've got a lot lined up to help you get savvy about managing your debts and boosting your credit score. Ever wonder what makes credit 'good' or 'bad'? Or how do those credit bureaus decide your score? Well, I’m breaking it all down today. Plus, I'll guide you through the five big factors that influence your credit score and share some handy tips for tackling your debt. Whether you aim to trim down your debt or spruce up your credit game, this episode is packed with actionable advice to empower your financial journey. You can find episode resources here. Connect with Shinobu on Instagram: @shinobuhindert

In this engaging episode of the Empowered Planning Podcast, we discuss the critical yet often overlooked topic of financial trauma. Joined by the esteemed financial coach and author Rahkim Sabree, we explore the intricate relationship between money, mental health, and personal experiences. Rahkim shares his journey into financial therapy, revealing how personal and observed experiences can profoundly affect our financial behaviors. We discuss real-life stories, define financial trauma, and provide actionable advice for those seeking to understand and overcome their financial hurdles. Join us as we expose the layers of financial trauma, offering guidance, empathy, and strategies to empower your financial journey. You can find episode resources here. Connect with Shinobu on Instagram: @shinobuhindert  

Hey everyone, welcome back to the Empowered Planning Podcast! Today, I'm joined by the insightful David Delisle to explore the nuances of financial literacy and how we can instill a sense of value and mindfulness in our spending habits—both for ourselves and our children. David's unique perspective on finding our "awesome stuff" and how we perceive our financial choices offers a fresh outlook on managing money, prioritizing experiences, and understanding the true value of the things we spend our money and time on. Instead of saying, "We can't afford that," David offers genius tips for reframing conversations with our little ones. Think, pause, reflect, and ask if that shiny new toy aligns with their "awesome stuff." Whether you're a parent aiming to navigate your kids through the complex world of financial choices or just someone keen on enhancing your money mindset, this episode is brimming with insights that will transform your financial perspective. You can find episode resources here. Connect with Shinobu on Instagram: @shinobuhindert

Welcome back to The Empowered Planning Podcast. As we celebrate Women's History Month, I want to dive deeper into the world of women and money, and not just how we spend our money or how we invest our money, but also looking into the financial industry itself. I have a long time friend of mine, Ashley Sullivan on the show today. She's been advising clients since 2007 and spent about 13 years between Fidelity and Schwab as a financial advisor. One interesting thing that came up when Ashley and I were talking before we recorded the podcast was about her experience as a part of women’s collective for an organization that she worked for in San Diego and how she was trying to get more women a seat at the table so they could have these open conversations and dialogue about money . And at the time, the questions were often directed at how they were able to have a thriving career in finance as a working mom. What really struck Ashley in that moment was, if the roles were reversed, and these were men, would they be asking how they were able to do it all as a father? And the answer is a resounding no. So what Ashley and I talk about through the episode is how good it is to realize how much work that we've all done, but the importance of taking a moment to stop and look at ourselves and to really own and step into that power that comes with bringing each other along on the journey and start asking for the things that are going to lighten the load for us because we deserve it. Yes, times have shifted, but the cultural background hasn't shifted with us. So I am delighted to bring her on today to dive into this needed topic. You can find episode resources here. Connect with Shinobu on Instagram: @shinobuhindert

Welcome back to another episode of The Empowered Planning Podcast! Even though we are still in February, we're tackling a question today that might not be about love, but it's definitely close to our hearts: what should you do with an old 401k? Whether you're deeply invested in plotting your financial future or just starting to ponder over your retirement savings, this episode is designed with you in mind. Navigating your options for an old 401k can feel like navigating a relationship: it's important, sometimes complicated, but ultimately rewarding. You may consider keeping it with your previous employer, moving it to your new job's plan, or rolling it into an individual retirement account. Each choice has its own set of advantages and disadvantages, and just like in any good partnership, it's all about finding the right balance that works for you. My goal for this episode is to equip you with the knowledge and confidence to make the best decision for your financial well-being. Today, we'll dive into actionable tips and strategies to enlighten you and pave the way for a secure financial future. You can find episode resources here. Connect with Shinobu on Instagram: @shinobuhindert

I’m so excited to have a long time client and friend on the podcast today, Betsy Smith. Betsy is a multi-passionate entrepreneur who owns her own hair salon and handcrafted souvenir shop. The best part? She didn’t take action on these businesses until she was 29 years old which shows it’s never too late to pivot. Throughout our conversation, you’ll hear a bit about Betsy’s Amish upbringing and how this informed the way she feels about money and financial decisions as a whole. Betsy has done so much work in not only creating a business (and life!) that she’s proud of, but healing and overcoming negative money narratives. I hope this conversation leaves you feeling inspired. You can find episode resources here. Connect with Shinobu on Instagram: @shinobuhindert

It is Valentine's Day and in honor of this special love day, I want to dive into a crucial yet challenging aspect of any partnership: talking about money with your partner. Now money matters while essential, can be a source of tension in relationships. I'm sure at one point in another, you've felt that in yours (I have, too). The financial problems or money issues cause about 40% of divorces in the US. That is a large number and one that should not be ignored. So the goal today is to help you figure out how to navigate these waters with grace and understanding. I want to offer you strategies and insights for how to discuss financial issues without conflict, and whether it's budgeting or debt management or planning for your future, we're going to explore effective ways to communicate with your partner about your finances. You can find episode resources here. Connect with Shinobu on Instagram: @shinobuhindert  

I have a very special guest on The Empowered Planning Podcast today – Clifton Corbin! He is a father, a Registered Financial Consultant (RFC), has his MBA, and has amassed over two decades of business consulting experience. Currently, he has left the office to be a stay-at-home dad, but in his spare time, he has written and published multiple books. I’m excited to have him on today to chat about the importance of financial literacy within our families, how to talk to kids about money, and how he approaches different financial topics with his own children (including if you should give them allowance or not!). Clifton has a wealth of knowledge around this subject and there’s so much to learn from him during this episode. You can find episode resources here. Connect with Shinobu on Instagram: @shinobuhindert

Today on The Empowered Planning Podcast, we're going to be talking about health, money, and fitness goals, especially as we are still in the first month of the new year. I think money is on a lot of people's minds, but also different health goals are on a lot of people's minds. With that, I have a special guest and client of mine with us today, Ashley Lane Chavez. Ashley combined her 12 years of personal training experience to create an app called the Fit Crew,  the Ashley Lane app which is an innovative fitness experience designed to bring health and wellness directly to you. What I love about Ashley is her mission to empower women to embrace their fitness journey confidently. The reason I wanted to have her on is because although I talk to many women who have health goals on their mind, they also have money on their mind and there's this guilt sometimes associated with spending money on themselves, especially when many believe they can get in shape at home for free. So, I want to bring in Ashley as a fitness expert to talk to us and to share why it’s okay to spend money on your fitness and take care of yourself in this way. You can find episode resources here. Connect with Shinobu on Instagram: @shinobuhindert

Ever wonder why money feels like such a daunting, complicated topic? Wish someone could demystify it and make it more relatable? Well, you're in for a treat on this episode of The Empowered Planning Podcast. Join us as we dive into an enlightening conversation with Juliet Odhiambo, all the way from Kenya! Juliet is not your typical money expert. She's a money coach with a superpower that sets her apart – she humanizes the world of finance. In this episode, Juliet shares her journey from banking to becoming a financial educator and coach. She's not just about numbers; she's about helping people navigate the complex. If you're ready to make friends with your finances, gain some priceless clarity, and hear inspiring stories from the beautiful heart of Kenya, don't miss this episode! You can find episode resources here. Connect with Shinobu on Instagram: @shinobuhindert

In this episode, I’m sharing my favorite tips on how to save money in January after coming off a high spending season in November and December. We’ll cover the different ways to reduce energy costs, such as using smart thermostats and LED bulbs. Then I’ll dive into cutting down on unwanted subscriptions and how to optimize your cell phone plans. I’m giving suggestions on negotiating bills and shopping for the best deals in January, including holiday decor, TV and home theater equipment, and furniture. I’m also telling you why I am cautioning against buying large home appliances, mattresses, and fitness equipment this month. The last tip I share revolves around everyone’s biggest stressor – grocery shopping! I hope this is helpful for you this month and beyond. You can find episode resources here. Connect with Shinobu on Instagram: @shinobuhindert