Career

Money Mental Fitness with Terry Ladow

I discovered a secret a long time ago that I want to let you in on. The power of therapy – not only for things like relationships, or anxiety, or depression but also for things like money.

Therapy is a great tool to help you figure out why you do or do not make certain money decisions. So in this episode, I head straight to the therapy couch with Terry Ladow to find out how you can heal your habits, your heart, and your mind and spur on some money mental fitness.

What You’ll Learn

  • What is therapy
  • Why I’m so passionate about therapy
  • What can you expect to do in a therapy session
  • Why would you choose to go to therapy or see a counselor
  • What are some of the benefits you can expect from therapy
  • How therapy can help your money mindset
  • Alternate forms of therapy if you can’t afford traditional therapy
  • How to find a good therapist
  • Why we all need to communicate more and how you can incorporate that in your daily life

Links

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Turn Your Stumbling Blocks Into Stepping Stones with Michaela Renee Johnson

How we view life’s inevitable setbacks can have a profound effect on our overall well-being. After all, crumbling under the weight of disappointment isn’t nearly as productive as finding a way to be happy with a new reality — even when that reality is beyond anything we could have imagined. Michaela Renee Johnson is sharing her profound story of turning life’s stumbling blocks into stepping stones on this episode and how you can do the very same thing.

What You’ll Learn

  • Michaela’s journey from living in an upscale area in Sacramento to a 27-ft trailer in the Sierra Nevada mountain range
  • How to survive stumbling blocks
  • Strategies to turn any stumbling block into a stepping stone for the future
  • The scoop behind Michaela’s book, Teetering on Disaster
  • The power of your money story and how you can re-create yourself

Links

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Episode Transcript

Investing Trends to Follow for 2020 (with Michele Schneider)

I’m so excited to have back on the show our resident investing guru Michele Schneider. She’s sharing 9 investing megatrends that you need to know for 2020 and a whole lot of investing info to help you know where to put your money next year.

You might remember Michele who wrote the book Plant your Money Tree and was on an earlier episode this year. I’m so in love with her book – I keep it as one of my staples on my nightstand and come back to when I need a good investing refresher. What I love about Michele and her advice is that she talks to us like we’re human and really explains the complex terms.

Well, she’s back on this episode to talk about investing megatrends like cannabis, bitcoin, the international markets, streaming services, gold, sugar, and so much more. Basically, if you plan to invest either directly in the stock market or through a 401(k), IRA, or Roth, I’ll give you a gentle nudge to pay attention to Michele’s thoughts on some of these megatrends.

investing

What You’ll Learn

  • The 9 investing megatrends Michele says you need to pay attention to
  • How to spot a megatrend
  • How to research a megatrend
  • How to think about investing past your 401(k) and IRA
  • Michele scoops her upcoming book

Links

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Networking Your Way to Financial Success (with Charles Ruffolo)

I’m curious, how you feel about networking? For most of us, the idea of networking can be fear-inducing. The good news is you now have permission to throw out the old-school networking rules. As our guest, Charles Ruffolo The NetworKing says, the key to networking your way to success isn’t really about you, it’s about what you can give.

networking tips

What You’ll Learn

  • The five basic steps to networking
  • Why you can throw out elevator pitches for good
  • How Charles stepped into networking and turned it into a business
  • Ways to get people to remember you
  • How to use networking to help you financially
  • Charles’ #1 rule when it comes to networking

Links

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Episode Transcript

Shannah Game 0:00
Hey Friends Shannah here, and I curious, how do you feel about networking? I always struggle to answer the question, what do you do because I do a lot of things. And I honestly just hate to be put in just one box. Maybe that’s your struggle, or maybe you feel like you just don’t know how to network. But as our guest, Charles Ruffolo, who is coming to us all the way from the Netherlands says, The key to networking, your way to success isn’t actually about you. It’s about what you can give.

Charles Ruffolo 0:31
I will say what can I do for you? What do you need? Because networking is giving. It’s not me, myself and I, it’s about giving.

Shannah Game 0:57
You’re already one of our biggest fans of the pod but I want to invite you to go deeper behind the scenes with me every single month. Get all the scoops on what I’m loving. catch up on popular podcast episodes, and check out a video with a money tip in each monthly email delivered straight to your inbox. Plus, since I’m a big fan of having dessert First, I’m going to send you an exclusive bonus podcast episode five minutes to reset your money mindset. When you sign up as an added treat, head over to mmoneypodcat.com and enter your email address in the box on the homepage to sign up again. That’s m money podcast com. I can’t wait to see you behind the scenes.

The only way I’ve managed to have success at all in my career has actually been through networking, asking people who should I know that, you know, how can I help you and can I pick your brain has been three of the most impactful questions for me both personally and financially. But as I mentioned, I know Networking can induce fear and a lot of us. Maybe you’re that person scared of what to say that you might say something that isn’t right. We could go on for hours about these fears. But what I love about Charles is wisdom is that he shares this freedom to throw it all the rules around networking that I thought I had to play by maybe the rules you thought you had to play by. Friends, you’re going to feel so much better about networking after this episode. And I hope you pay special attention to the story that Charles shares about how he first got into networking. It’s really a lesson for all of us to listen to those cues that others share about what might be our special talents. Oh, and I forgot to mention one very important thing. He’s also very good friends with Stedman Graham, you know, the other half of Oprah. So I feel like I’m just a couple of degrees of separation right now. So let’s dive in and banish all those fears around networking. I want to start out there there are a lot of emotions. Around networking, there’s a ton of questions How do I do it properly? Why should I do it doesn’t matter if I do it? What if I say the saying the wrong thing? So many questions. So I thought we just started the beginning. Why is networking critical to your success?

Charles Ruffolo 3:17
I think it’s critical to anyone’s success because it’s basically who you are. You’re born with a network. Your parents started saying, this is your uncle, this is your aunt. This is a doctor that brought you into the world. This is your pasture or your faith, guidance guy, or person and they bring in and I said this you network. So basically, network means who you are. It’s, it begins when you’re born and it goes through life. So it isn’t something that’s special. Or it’s important because it’s your day to day life.

Shannah Game 3:51
Wow. Yeah, that makes sense. Are there ways that of course the answer is going to be yes. But are there ways that networking can help you financially? Speaking like you’re trying to get ahead, get a new job, whatever that might be.

Charles Ruffolo 4:04
Oh, yeah, of course. I mean, you can start from the beginning. When you’re born, it helps your parents financially because they can say, hey, I need some pampers. And they pay for Pampers or they help you we gotta need a babysitter that you get the little neighbor boy or girl and you don’t have to pay him a full Mountie me, let him say they can watch TV and eat our pizza they want. So it even helps when you’re born. It helps you like I said, your family can be financially well off because they don’t put so much money out for the different things. And then if you go to school, it’ll probably help you out. Because you may get a job doing something in school or around the neighborhood. So it helps you up to, you know, collect money for your summer vacation. It helps you throughout your whole life. It never stops. See. It helps you when you’re in, in business that you can turn to other people and say I just started my business or I have my business, and I provide this service or this product, can you buy it? Or will you buy it? So networking helps you because you’re tapping into people that you know, and people that know you. And when they need your services or they want your services they turn to you. So it benefits a great deal throughout life. You need to make money. That’s just the way it is. I mean, you can’t, you cannot get away with it. Unless you’re a, you know, a deserted island with a couple of people that you can, you know, train with each other. You get this skill and I got this feeling you go back to the way it used to be bartering.

So it’s critical, it’s critical.

Shannah Game 5:44
What do you think people have so much fear around networking?

Charles Ruffolo 5:49
I think the cause because when the media or the portrayed as something that is special, that is only for the wealthy people are the people that are famous and I try to bring across the people, especially, that’s why I started my Networking Academy where I put it online, where people around the world could see that networking is, it is who they are. It’s something that was given to them when they’re born, and it continues to grow based on your values and norms. When you’re building trust, when you build trust with somebody, somebody can turn to you and help you out or support you, or you can give them something. So the media and the world out there will say, the only people that are good networkers are these people that have gone to this type of school, or who have this type of job or live in this neighborhood and all the other people that aren’t as famous as this person or that person. They don’t have a network, but basically, it’s something that you have throughout your life. So I think it’s the way the media puts it out into the world puts it out. That’s one way. That’s one reason why people may be a little bit hesitant or a little scared or anxious to do it than others. The people, you know that they think they have to have a certain way of saying something or doing something, and I don’t promote or push, like elevator pitches, because every person you’re standing in front of is different. And so you try to you don’t want to make a mistake, but you can never make a mistake because no one knows what you’re going to say next. So, you know, don’t be something that you’re scared of, because it’s frightening because maybe you have lost your level of confidence. And so when someone looks at you that you may be, you know, losing your hair or someone looks at you because you, you got maybe blood on your shirt and you are you’re saying the wrong thing, or you’re not saying the right thing and you get embarrassed. And that’s life. I mean, it’s not perfect. And people think that networking is something that’s always perfect. And it’s not.

Shannah Game 7:51
I love that you say that.

Something that I wanted to ask you about was whenever I’m networking or I’m in a group, and people always ask that that question What do you do? And for me there’s no short answer. There’s a lot of different things that I do. And I always feel very awkward with that question because I don’t know how to how to boil that down or concise it into a great answer. What do you suggest for people like myself in that situation to respond to questions like that, that will say, What can I do for you?

Charles Ruffolo 8:22
What do you need? Because networking is giving. It’s not me, myself and I, it’s about giving. So if you’re in a situation, as you just described, and somebody comes up and says, Hey, you know, what are you going to? What can you What is your product? What is your service? That’s why I say don’t do elevator pitches. I listened to the what the person says, and if I don’t know something to ask them, I look at your business card and ask them, Hey, your name shows if you maybe Italian or I see that you’re, you’re using a Gmail instead of having your own company as the email address. Why do you promote Google and not your own business? So there are many conversation pieces that you can bring up. But if you’re in that situation, as you just described, I would ask them, What can I do for you? How can I help you, and then see what they say, put it back on them that you’re there? Because, remember, networking is not what I need or what I want. It’s what the other person needs. And once that that particular moment, I can have the best product and I can say, hey, buy this, so I got this for you, but they don’t need you. That’s why it’s important that people know. And my motto is networking is not who I know, it’s who knows me? Because when they know me, they’ll contact me. And there’s no right answer because everyone you’re in front of everyone who’s across from you is different. They may come with a positive attitude, they may come with a negative attitude, they may come prepared or unprepared. So you have to take every case into consideration because everybody is different. Everyone has different dreams and ambitions and hopes. And of course, in business, you have to make money. And people in business, that’s what it’s about. You’re in business to make money. And I’m not trying to say money is everything, but money is what’s going to help you sustain your way of life.

Shannah Game 10:22
Given that advice, then I mean, throwing out the whole elevator pitch thing that we were sort of brought up thinking we have to have this you know, rehearsed line or lines in our head. If we throw that out, then the idea is every person we meet, it’s just a or it’s an organic conversation then with that person, based on that individual coming up, you know.

Charles Ruffolo 10:44
Of course, when you get into an elevator, you’re meeting somebody, and you’ll say, Hello, boom, what floor Are you going to or are you staying at this hotel or you’re going to this meeting so you’re using the common denominator that you haven’t come because of Networking is finding what you have in common is finding a common denominator that we have. And then when you find that you’ll build upon that to figure out this person is, is, is going to help you they’re going to be trustworthy or not. You know, if you go into a restaurant, you see all the people there in there for the same reason. If I go to a business, outing, and event, I have my own business club, that network club, and we do quarterly events. We’ve got 150 business people coming and I tell them, listen, I have enough friends, I have enough acquaintances and I have enough family. I’m only here to do business. Only through time, you may become my brother in law, my sister in law or my best friend, but right now, this is about business. That’s why it’s called a business club. So wherever you go, you’re going to meet somebody and you got to quickly find that common denominator. We’re on the bus together. We’re in the elevator together. We’re working in the same company. We live on the same street, our children go to the same school. We’re at the football match on Saturday or Sunday we root for the Pittsburgh Steelers, often Pittsburgh, Pittsburgh Steelers. So that’s, that’s what it is you have to find that.

Shannah Game 12:17
So once then you find that common denominator, then you can start to ask more questions or build a relationship out from that single thing?

Charles Ruffolo 12:28
Correct, you’ll, you’ll, you’ll come in contact with somebody else. And that person is probably maybe scared or feeling a little awkward as you are because they may have had a rough day or some family situation could be confronting them or they need this, you know, score to keep the revenue coming in, or they have to meet their target or, you know, whatever. And you’re going to come in contact with another human being. And you’re going to scope that individually to see if they got a smile on their face at the reserve that they’re whatever and that’s All different I mean if you’re on if you going to a school play with your children is your networking because you meeting other people? How you take that to the next level and say how do I build upon this relationship that I just contact or this person that just met, that’s going to be determined by you. There are no set rules. You can’t say, okay, after I meet you, I’m going to send you an email or after I meet you and write on your business card this or after I meet you. I think it’s important that I give you my address or my telephone number, you don’t know that. That’s what I’m saying is nothing’s programmed, the only thing that’s program is that you be natural. You go there as who you are, don’t come to go there as a fake trying to, you know, say you’re someone that you’re not natural. And so that’s why I say and every situation you’re in networking is different. There are a couple of things that are common things is to find a common denominator and from there, you will make a determination, if you want to stay talking to that person, or if you want to make an appointment. There are no set rules except your role at that moment that you’re meeting someone.

Shannah Game 14:11
I love that that gives me a lot of freedom that I don’t feel I’ve had in a networking situation. So I love that advice. I’m curious, obviously, we’ve talked about networking important, surely, if you run your own business, but if you work for another company, how could you use networking to help you?

Charles Ruffolo 14:31
Well, it depends on what your function is in that job. Everyone has a function that works for a particular company. If you’re probably in sales, you’re often out of the office and you’re out there trying to make the score trying to get the bill to bring that to get the extra benefits of scoring. So that’s a little different thing. If you’re beyond in the back office, you know, you’re going to meet those particular people that are in the office with you Even though as I train companies and I train companies around the world and I tell them don’t just give me the salespeople give me the person behind the reception desk, give me the person that’s in the back office, put them in this session because often they’re more eager to get to know people or to score on the promote their company. Then the salespeople the sales, people always get the nice thing benefits, they get the credit card, they can go to a game, they got Benny’s, but the person behind the desk, they don’t have a business card. But there are representatives of the company. Why don’t you let them because everybody has a network, regardless of who they are? Everyone has a network probably that person who works for that company as the receptionist. Maybe their neighbor or their brother in law is the director or the CEO of the company that you’re trying to get in contact and your salespeople Don’t have the contact, they get a database. And they think, Okay, let me call this person when in fact, your whole sales team is your entire company. That means everybody in that company should be proud that they work for that company. Some companies, they should get business cards. And when I trained the company I do, I do have a network inventory. I tell them to write down where you used to work. Three companies were used to work right down with three companies that you want to try to get as a client. Write down the three places where you used to work and where you want to work and where your company’s you want to get clients where you’re a member of what are you a member of your members of the clubs or sports club or the local community. And then you write that down, if you can if you got 50 people in your company, and each person writes down where they worked. That’s 150 companies. Nice that you have the possibility of tapping into because that person works there. So if you’re working for a company, you should be involved in everything to try to help that company. Because if the salespeople do not reach their target, there’s going to be a problem and someone’s going to be laid off. When someone’s laid off, that means it’s probably going to be not the salespeople. It’s going to be the back office people, it’s going to be the administrator. It’s going to be the support people. It’s not going to be the salespeople. So I always say in a company, everybody is valuable, and everyone has a network. You just got to look at them and see how valuable they are. And that’s what a lot of companies do not do. They just say no, we’re just going to give you the nice parking places of bonuses to the salespeople, when in fact, everybody in that company is a salesperson.

Shannah Game 17:56
Yeah, I love that. I love that. And it was We’ve talked about one already I know you have these five basic steps towards networking, we talked about giving to your network. Another one that really stood out to me was nurturing your network. So what are some of the ways that you can nurture these, these contacts that you’ve built up?

Charles Ruffolo 18:17
That’s, that’s an easy one. Like I got some friends that like certain sporting events or some people that like certain activities, like maybe horseback riding or their child is, is competing for a contest or is studying for an exam and I see something on internet or I read something in a newspaper or on the magazine, or I’ve heard someone tell me, sending them a message or giving them that information. I’m feeling I’m nurturing them. I’m coasting I’m No, rubbing the shoulders of that person. I’m putting them on the back. I’m giving them encouragement that hey, listen, I have seen what you just did on the internet I see that you’ve got promoted. That’s what nurturing it is, is feeding that network that you have feeding giving to the people that are important to you. In the neighborhoods, maybe some kids come out around the neighborhood and they’re selling Boy Scout or scouting cookies, or they’re collecting for a good cause. When you give them money, you’re nurturing it, you’re feeding it, you’re showing that you care. And then it grows. Those people are happy. They’re thankful. And they come up, they say, Hey, thanks for thinking about me. Thanks for you know, last weekend for myself. Last week a little kid was in the neighborhood here collecting money for the Cancer Society. It was pouring down rain. This kid. I mean, he made about 1011 years old. And he’s out there, you know, helping his parents and he had to come to our house. It was pouring rain. So I thought, Man, this dude is dedicated and he’s committed. So I gave him an extra dollar I said, Here this is just for you because I wouldn’t be out there walking in the rain like this. And so I was you know, I felt for him and empathy. I thought I was ex-military and a soldier and I know what it is being a cold and rain and he’s out here you know, cuz parents probably said go to that house. Right?

Shannah Game 20:47
Yeah, I like that. I like thinking about it that way and thinking about your network that way. I think it’s a really, really healthy perspective. I’m curious because you started this business networking How did you decide to You said you had a military background, but how did you decide to get into networking?

Charles Ruffolo 21:08
Well, when I was in a millet one reason that I was put in a military, I was put in, I didn’t choose to go in the military. My brothers, my one brother came back from Vietnam. And we got together my other brothers, and they decided to take me off the streets of Pittsburgh and put me in the American army. So I didn’t have a choice. I joined the American army. One reason was that the GI Bill, right would pay for my education. So I got a master’s degree in business and public administration in two areas. And when I was studying for my master’s degree, and I had to find a professors over in Europe, because I was stationed in your bus station in Germany, and I had to go to different places to find the professor wasn’t that the professor came to us, we had to go to them. So if they weren’t in Belgium, we had to go to Belgium if they were in England we had to go to England to find that particular course. Well, I came across someone who knew that I was going to retire in 1995. And in 1991, I was working on my master’s degree. And he gave me this book, which was really American Chamber of Commerce book. And then it was an index book of all the American companies in the Netherlands. I seen the IBM is I seen that shale, I seen the city banks, I thought, wow, I’m reading about all these companies in my master’s degree program. And it was an English I thought, Wow, that’s great. So I joined it. When I was stationed in Germany, and I would drive four hours to an event, a lunch and I was in uniform, so I’d have to take off my uniform at a gas station and put on a suit. And I’d have to find out the thing that they offer them, they believe to be able to go on a weekday because it was always on a weekday. And I joined the American Chamber of Commerce in the Netherlands and I would be early because I didn’t know how long it would take That’d be the first one there. And, you know you they see you in you do different things and then one of the directors of McKinsey, I thought Mackenzie was a guy, but this was a company and they came up with the and Buford Alexander. He looked at me and he says, You’re a born natural. And I said, format for what? I figured he directed McKinsey. He’s a Harvard graduate and he’s the president of the American Chamber of Commerce. He was knighted by the queen of Holland. And he says you’re born natural, more natural. It said network Russia. He thinks I’m bad. So I just put on my business card CDA Ruffolo professional network. So I just created it. And I went out and I gave my business cards out and people said, Hey, you know, where are you? What’s a professional network? So I teach people how to network. They said, Well, the first person asked me, was Roger long, from Nairobi. The Netherlands is like the Harvard Business School, in the in the Netherlands. He says, Can you talk to 145 very difficult students, MBA students, and I said a lot. It can’t be more difficult than 250 soldiers that I have. Right? So I just went out there and I made a nice little three by five cards and wrote on there what I was going to do, and I have my presentation, I went up there and I just start telling the story. My name is Charles Douglas on the reflow I’m in the military, I did boom, boom. And then Krista from Citibank was there and he said, Hey, can you train my company? So then I came up with a training program so just because someone mentioned something to me and saying you’re a professional and I thought, this is a business world who thinks of doing this and at that time, there was no such thing as networking. It was, it was maybe called lobbying or brown-nosing. can be many things and I just turned it in. I put professional We’re gonna start with crap. I’m gonna trademark the words like trademark the word, the networking, I turned a word into a business. And I never thought that would happen. Yeah, it’s like some things, you know, you look if you look at McDonald’s, they never knew that they would be expanding so much and going across the world. Coca Cola did not know that they will turn into a product that would have a lot of the biggest logistics system in the world. Nike did not realize that they would become, you know, a stock brand, using a Greek name as the Napier Greek goddess of victory. You know, even three m came out with one of their products is the the the post it’s from 3 am was not it was it wasn’t failure wasn’t a good product until people start sticking it all around. Then they say well, this is pretty good. So you don’t know if it’s going to be successful until you try. And I didn’t know that networking, I would always get professional networker on there and he was a professional. How do you make money? Yeah, I look at their business card and I say, account manager, Oh, you got account manager don’t you gotta go somewhere. I know how much money you make. I can kind of figure that out. So I said, I trained companies because that’s what I lecture. I train the company. And the people said, should I get my Ph.D. or write a book? And my good friend said, write a book. It’s the best marketing tool. So I wrote a book and became an author, wrote another book, and then I would join all these business clubs, and I thought, you know what, I’m creating my own business stuff. So I created the network club, and people pay to be members and they come to my event. So anything, it just evolved, because the market was ready for then people asked me, Hey, can you do you know President Clinton? I said no, I don’t know if President Clinton I never voted for. And I was in the military that time getting ready to retire. And so I don’t like him. Because he put certain things in policies in the military that we didn’t like at that moment. And so all of a sudden, I said, Well, I don’t know that, but I was a Sergeant Major of a unit. And I had the American ambassador visit my unit. And I met the American ambassador in the Netherlands, and he was appointed by President Clinton. So when someone says, Do you know I said, I don’t know. But I know someone who does know. And I call the ambassador and he says, yeah, I know you, Ruffolo, I know who you are. And I retired at that timepieces here called a slave is secretary. See it was easy. And that was built on trust. And then it just, I was, yeah, I was invited to Clinton’s global initiative. And I went there and I met Richard Branson and I went there and I knew I was trusted. And you, of course, you got to make sure you, you know, handle yourself well. And then that just that’s how it just evolved it. I didn’t plan it just came.

Shannah Game 28:22
That’s such a great lesson. I’m so happy you shared that. And I know you also have a connection with Stedman Graham probably. Yeah, now I feel like I’m two degrees separation from Oprah.

Charles Ruffolo 28:38
Well, yeah, and that’s what people often say they say, you know, the old saying was yours your seven degrees away from this person or that person? Right. That’s a misperception now. Because you’re closer than you think. That’s why I say everybody has a network. Everyone is important. just haven’t tapped into who they are. Understand that I know in more than 10 years, we’re very, very good friends, I bring him over to the Netherlands always I’ve been to Chicago there been to Santa Barbara. And so, but networking is based on trust, you can know somebody, but they may not allow you to come into their network. You know, you can live on the same street as other people and you’ve never visited and they never let you in their house, but they’re having a party and you see other people invited and you’re not. So that’s why I say networking is not who you know, it’s who knows you because then you’re invited. You’re given the opportunities and people like to spend their time with you.

The moral is, to not be afraid to ask saying, you know, I want to be connected to so and so. And when people ask and say, Hello, can you bring me in contact with this person, that person I say, Why should I? or Why should I do that? What have you ever given me? Because networking is about giving. I look at someone I have a foundation I started 20 years ago in the Netherlands, which is constantly giving back foundation where we go into black schools in Holland, and black schools and all of the schools that have more than 60%. And these are people from Somalia, from my rack from, from China from different countries, they’re immigrants, and my family immigrated to America. I’m a second-generation from Europeans that came to America. So I know a little bit about that. And so these kids that are in these black schools are not given the same opportunities as people that are in other schools. So it’s almost like Big Brothers Big Sisters in the United States. So I started it. And we asked the teacher to give us the best motivated, enthusiastic high school kid, the last two years of high school, and we match it with a business mentor for two years. And then we may go to university and give them a coach. And it’s all privately funded, there’s no money for the government to raise the money ourselves. And so when I did this, I thought I want to give back and you start this foundation, and you give it and when someone does something for my foundation, I know that they care, because they’re not getting anything in the back in return. So I always look and see what someone has done for me, or for them something for my cause. He’s done something for the community. And then when someone comes in, Hey, can you introduce me to this person? The first thing is what have you done for me? Why should I do that? Oh, because you’re networking that’s trying to network I’m not introducing you to that person because you’re arrogant. You’re disrespectful. You think that anything can happen, it doesn’t. someone’s not going to allow you into their network. Unless there’s a value to it. You’re going to bring value to it. So someone asked me the other day when I was giving a lecture in the universities to keep killing today. You know, you know, Richard Branson, Can Can you introduce me to? No, hell no. Why should I envision doing? Oh, I got the best thing he needs. I know I can help. No, you can’t help. And you gotta be honest. Right. It’s a given Thank you gotta say that carnal networking is getting.

Shannah Game 32:46
I like that. Yes. So are there ways to get people to remember you when you’re in a networking situation?

Charles Ruffolo 32:56
Yes. many ways. You know

be Early. When you’re early to an event, if you go into an event, I’ll use an example with the events, the arena event people come to you. And when they come to you remember, you’re the first person I met there. When you had an event asked a question, raise your hand. And that’s one of the most embarrassing things there is. If you’re going to an event, and there’s a guest speaker, and nobody asks a question. I mean, not you know, you’re not trying to brown-nose or something like that, but you know, that they probably took the time and the effort to be there. So, to be the member is able to, to ask them a question, raise your hand. My name is Charles reflow. I’m from the networking Corporation. I like to ask this question. And then maybe the pictures were taken, and then you’re on the cover of the Rolling Stone, say I took a picture. So that’s some ways to remember and also going up and thanking the guest speaker or the presenter, go up and say thank you for taking the time. People met Wow. That’s you. Remember that Because as somebody who’s given a presentation, when’s the last time someone faints you came up and says thank you. It’s a small gesture. And when you’re going to a party, bring something that you know that person really likes. Don’t bring this a bottle of wine or a plant. If you know that this person really likes, whatever it may be sports or he likes. You know, to go to the movie, like sometimes people say, school or something says Mr. Ruf. We can’t pay you. We don’t have anything on a budget. You know, give me something. What would you like to give me free to free tickets to the movies with popcorn and a drink so I can treat my wife to a movie? And I go to the movies. So they give me that and they say, well, you’re the one who always wants the movie theater tickets. Yeah, that are pizza. Pizza. I’ll come to that pizza. So invite me and I have a pizza. So you stand out in different ways how you dress. Some people dress in such a way that you can always identify him. I got a good friend who always wears a bow tie. He’s always will tie because an event they got a bow tie or somebody who’s who comes to a becomes do a formal dinner and he comes with his Converse all-stars on. Yeah, he stands out. Right. One time we had one time at a president Clinton event here in the Netherlands. Everyone was dressed up and there was one guy who just was in jeans and a raggedy shirt. And I was standing there talking to him again and he came over and I say, you know, can I say something? He said, Yeah, of course. I said you must have a lot of money or you just don’t get a ship. He said why is it because you have to drag my jeans and a shirt. He said, Yeah, he said, I got a lot of money.

Yes, it was like, okay, or somebody asked, and tells a story that you can relate to. somebody tells a story. And you can see that it’s sincere and genuine, doesn’t always have to be a joke can be just something very serious. And that stays in your mind. That right there’s also another way of doing it. So there are many ways is sticking someone’s mind. That’s why it’s important always to get a compliment is remembering something about someone. As I say, I may not remember your name, but I try to remember your story. And then I get you to know, CA Hey, I heard last time you were on vacation or last time you were helping your daughter with her math exam or last time you were trying to, you know, buy a new car to get something so you remember that he brings it back up to this Wow, you remember? Yeah. Because he told me.

Shannah Game 37:04
So how do you feel about networking now, hopefully, inspired because I know I do? I just really feel refreshed that I don’t have to play by any of the other rules that people give you about networking. And I want to inspire you to try networking get if you’ve had a rough go at it, just see how powerfully it can change you your career, your bank account next year. And if you want to get in touch with Charles, go to the networking king.com he’s got a ton of wisdom on his website, lots of great videos so highly suggest you dive in. Hey, thanks so much for checking out this episode. We really try to change our language around money to help others unlock the lives they want to live and live it out on purpose. Now that you’re part of our movement, it’s up to all of us to invite others into that journey. So share this episode with someone that you think is really ready to make life changes. Let’s talk about money. All of us have a little fun doing so don’t forget to subscribe so you’ll never miss an episode and I’ll see you back here in a few days for a fresh new episode.

 

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Guide to Hacking Health Insurance (with Ashley Oerman)

You’ve got only a few more days to enroll for open enrollment for health insurance in 2020. However, no matter when you’re listening to this episode, you’re going to love this guide to hacking health insurance with Cosmopolitan Deputy Lifestyle Director Ashely Oerman. Ashley is breaking down what you need to know and how to save some bucks in the process, like her great tip on whether to choose an HMO or PPO (hint, there’s more gems like this one in the episode).

health insurance, saving money

What You’ll Learn

  • How to figure out whether you should have a PPO or an HMO (and Ashley’s $84K trick)
  • What a health savings plan is and why you might want one
  • The biggest lessons Ashley learned putting together her guide to hacking health insurance
  • Tricks to help you save money on your monthly premium
  • Ways to save money on prescription drugs
  • Career and money advice from Ashley

Links

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Episode Transcript

 

Don’t Leave Money on the Table with These Powerful Negotiation Strategies (with Jacqueline Twillie)

Negotiation strategies are for real! I’ve negotiated for a lot over my career and it always induces a sense of panic coupled with my heart rate shooting way up, but the truth is, every time I negotiate I earn more or pay less. Thanks to Jacqueline Twillie, the Founder and President of ZeroGap.co, a global training, and development firm that specializes in women’s leadership within male-dominated industries is who you want in your corner when it comes to negotiation.

In this episode, we talk about how men and women do negotiation differently, how you can find confidence in any negotiation situation, and secrets to winning at negotiating your salary and so much more.

negotiation tips, negotiate your salary, earn more money

What You’ll Learn

  • The secrets behind Jacqueline’s new book, Don’t Leave Money on the Table
  • How to negotiate to win
  • How to create a positive mindset around negotiation
  • Practical ways to fight through fear around negotiation
  • What to say when you’re negotiating and what you need to know

Links

Today’s episode is brought to you by audible – get a FREE audiobook download and 30-day free trial at http://www.audibletrial.com/MillennialMoney.

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Posted in Budgeting, Career, Entrepreneur | Comments Off on Don’t Leave Money on the Table with These Powerful Negotiation Strategies (with Jacqueline Twillie)

How to Get Recession Ready (with Brandon Renfro)

I bet you’re tired of hearing about recessions – recession this, recession that, but friends, now is a good time as any to get yourself and your career recession ready. Brandon Renfro, CFP, Ph.D., Associate Professor of Finance and all-around recession expert says the #1 thing to focus on is your career.

New podcast on how to get your career and your money recession ready

What You’ll Learn

  • What is a recession and how does one start
  • How a recession impacts your money situation
  • How to prepare yourself for a recession
  • Steps you should take before a recession hits
  • How to get your career recession ready

Links

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Money Wisdom From Dad Reboot

My dad is somewhat of a legend in the financial services world. He’s been helping people for well over 40 years now and is beloved for his personality and intent on always putting the client’s needs before his. I know him as Dad and the person who taught me almost everything I know about personal finance.

On This Podcast Episode:

My Dad, Stan, is joining us for a lively discussion about the advice he has about how to be smart with your money in your twenties and thirties. We’ll also talk about the difference between perceptions of money when he was in his twenties versus now – which is always a fun topic for me.

Dad’s top advice:

  • Save for emergencies (and save more than you think)
  • Invest in your 401(k) and don’t touch the money
  • Cover your risks, but only if you have a strong ER fund
  • Don’t be afraid to try and learn when it comes to smart money moves

Thanks for Tuning In:

Thanks for tuning in to listen to this episode of Millennial Money. You’re awesome and mean so much to us. If you’ve enjoyed this episode, please share it on social media using the hashtag #millennialmoneypodcast.

Also, please leave an honest review for Millennial Money on iTunes! Ratings and reviews are extremely helpful and much appreciated! You’re awesome!

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Want More:

 

The Key to Kick Ass in Life (with Laura Eshelman)

Everyone wants to know the secret to kick ass in your career and your life.  My guest, Laura Eshelman, is the host of the podcast Kick ass in life, and she has one secret to share that she thinks is the key to kick ass in life.

Laura is creator and host of the podcast Kick Ass in Life to help recent grads and others get hired fast, be smart with money and be happier and healthier. Earlier this year Laura released her first ebook on Amazon, “Kick Ass in Your Career.” You won’t want to miss her life-changing advice on this episode.

New podcast sharing the Key to Kick Ass in Life and in your career

What You’ll Learn

  • The keys to kick ass in life
  • The lessons Laura has learned in the corporate world about getting ahead
  • Why negotiating is your key to success – and how to do it well
  • Laura’s tips on how to afford to live in an expensive city
  • Laura’s money story and the powerful money mindset pieces she’s learned over the years

Links

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Confessions of a Crypto Millionaire (with Dan Conway)

Dan Conway is just like you and me. He is a married father of three who had what he called a “soul-crushing” corporate job who turned to cryptocurrency as a way out. However, Dan’s attraction to crypto wasn’t borne of a get-rich-quick dream, although he certainly wasn’t immune to those. He was a true believer because he was living the problem crypto sought to fix.

In Dan’s new book, Confessions of a Crypto Millionaire, he chronicles his journey from his corporate job days to cashing in earning fourteen million dollars investing in Ethereum. I can’t wait for you to hear Dan’s story on this episode!

What You’ll Learn

  • What sparked Dan’s interest in cryptocurrency
  • A short 101 on cryptocurrency and what you need to know
  • Why Dan was so intrigued with Ethereum and invested all he had in this currency
  • The lessons Dan learned about life and money on his journey
  • What happens after you make millions in investing

Links

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