Wealth and Wellness with Kalee Boisvert

“I’m not good with money.”
“I’m not a numbers person.”
“Math is hard.”

Why do these phrases often come from women? Where do these beliefs take root? I suspect it starts early on. Young girls are not encouraged to take an interest in money, ask questions, or make financial decisions. They aren’t empowered around the topic of money from a young age.

That’s why I created the character Moneywise Mabel. Money is her superpower! She loves learning about money and believes in her ability to excel at it. She’s here to show little girls that they can do the same!

MoneyWise Mabel's Bursting Bank MoneyWise Mabel's Bursting Bank

I was very surprised to see that people were still listening to the Wealth and Wellness podcast even though I hadn’t release any new episodes in years! Sooooooo I thought of something special that I could share for a new episode- the first chapter of my book Make Money your Thing!

I wrote this book to help women ditch any shame and fear they have about money to instead feel confident and empowered! Because you can be great with money no matter where you are on your financial journey. It’s time for women to make money their thing!

A recurring theme in client conversations recently has been the struggle with external pressures to do things a certain way versus doing what feels right for them. This is especially common regarding ideas about money and success—believing that you must follow a collective blueprint to “do it right.”

Examples include pushing oneself to work longer despite physical exhaustion or staying in a soul-sucking career.

In these conversations, we discovered that one client could retire now instead of pushing herself for more years. Another was ahead of her financial planning trajectory and could leave her current position to find something more fulfilling. The numbers supported these decisions, yet an inner battle persisted, making the answer less clear.

Societal pressures are incredibly strong. It’s crucial to remember to embrace your unique desires—you are here to live YOUR life. By doing so, you create a clearer vision of what success and fulfillment mean to you personally.

If you find yourself questioning your financial journey and wondering whether it’s driven by you or outside influences, ask yourself these questions:

- What advice would I give to my child, family member, or friend if they were in a similar situation? (Then take that advice for yourself.)

- How will I feel about this decision 5 or 10 years from now?

- Is this decision aligned with my core values and long-term goals?

- Am I making this choice out of fear or genuine desire?

- What would my life look like if I followed my heart instead of external expectations?

Reflecting on these questions can help you navigate your path more authentically and confidently. It allows you to separate your true desires from the noise of societal expectations.

Embracing your unique path might be challenging, but it ultimately leads to a life that feels more authentic and aligned with who you truly are. Remember, the journey is yours to shape, and only you can define what success and happiness look like for you. You’ve got this!

Continuing on with the 10 days of journal prompts to uplift your money mindset, its time to create a clear action plan that bridges the gap between your goals and reality.

✍️Here is the journal activity for day nine that will get you there:

Outline three actionable steps you can take in the next week to move closer to your abundance goals.

As we near the end of the 10 journal prompts to build a strong money mindset – day eight reminds you to take a self-care break. Because when you feel your best you will have more energy to take positive actions toward your dream life.

✍️Day eight journal prompt:

How can you prioritize self-care in your daily life to support your journey to abundance? (Schedule in or take some time for self-care today!)

Now on to day seven of the 10 days of journal prompts for uplifting your money mindset and its time to take action!

✍️Day seven journal prompt: What steps can you take today to improve your financial situation and attract more abundance into your life?

(if this feels overwhelming try to focus on just one small action step – i.e. Making a payment on your debt or setting up an automatic deposit into your retirement fund)

Day six of the 10 days of journal prompts to start feeling great about your finances explores the concept of how thoughts and actions can attract abundance into your life.

✍️Day six journal prompt:

How can you align your thoughts, beliefs, and actions with the abundance you desire?

Continuing on with the 10 days of journal prompts to uplift your money mindset, its time to identify and challenge the beliefs that hold you back.

✍️Try this journal prompt for day five:

Reflect on any limiting beliefs you have about abundance.
Where do you think these beliefs originated?
Can you replace them with a new belief that feels better?

Day four of the 10 days of journal prompts to makeover your money mindset is all about visualization.

Visualization creates a mental picture of your goals, making them more tangible and achievable.

✍️Day four journal prompt:

Visualize yourself living your ideal abundant life. What do you see, hear, and feel in this vision?

Time for day three of the 10 days of journaling to amp up your money mindset. Gratitude is a powerful magnet for abundance.

Try to make a habit of recognizing and appreciating the good in your life.

✍️Day three journal prompt:

List five things you’re grateful for today. How does expressing gratitude make you feel?

Continuing on with the 10 days of journal prompts to uplift your money mindset, its time to envision a life filled with abundance and to set clear, specific goals, that align with this vision.

✍️Try this journal prompt for day two:

Describe your ideal abundant life in detail. What does it look like? How does it feel?

As many can agree, recent events (inflation, rising interest rates, etc.) have significantly impacted finances, making it difficult to maintain a positive outlook.

However, I strongly believe that mindset greatly influences your financial life.

Adopting an outlook of abundance and prosperity will serve you well in the long term.

If you currently struggle to find positivity in your finances, I wanted to share 10 days of journal prompts to give your money mindset a makeover. Here’s the first prompt to get you started:

✍️ Day one journal prompt: Reflect on a time when you felt abundant. What were the thoughts and beliefs you had during that time?

My book Make Money your Thing was officially released one year ago! This book brings together all my top tips to help women navigate their financial lives to feel fabulous about their finances!

Taking action with your money is key and this book is full of action steps for anyone at any stage of their financial journey.

And in celebration of my book…….and of reading this far in my post I am giving away 3 copies to the first people to DM me BOOK.

Thank you to all who have read the book and supported me on this book writing journey. Writing a book is a longgggg process, and promoting it can be painful (I’m an introvert), but knowing it can reach people all over the world and have a lasting impact is such an amazing feeling. Thank you!!!!!

🩷🩷🩷keep dreaming🩷🩷🩷

81% of the clients I work with are women, and I am so proud of this stat. From the start, I wanted my wealth advisory business to focus on supporting women. As a single mom and the sole financial decision-maker in my household, I knew I wasn’t alone. That there were many other women leading their household finances.

With money and investing being intimidating topics for many, I knew I had to create something special, designed specifically for women—a welcoming space where they feel seen and heard, and where there is no such thing as a dumb question.

I am thrilled to have built a business dedicated to supporting the financial needs of women. Words cannot express the immense pride I feel in seeing these women slay their financial goals. Walking beside them as they face money fears and insecurities head-on, embrace diligent habits, and take action to build wealth is incredibly rewarding.

I love what I do, and the bonus is getting to do it in pink!

Gratitude is a great way to get out of a funk

It’s time to create your own money beliefs—ones that come from a clean slate and are created by you! Here’s the thing: most of our beliefs about money are based on lessons we picked up in early childhood. While well-intentioned, these lessons were shaped by the personal experiences and the times of those who taught us.

For example, an early money message I took on from watching my single mom growing up was that you had to work really hard to earn money. And I mean REALLY hard—at one point, she was working four jobs to support us. Fast forward to me finishing university and landing a job in the finance industry. I figured I had plenty of hours in the evening that weren’t being spent at work, so I got a part-time job for evenings and weekends, thinking I had to work hard.

After several months, I was completely burned out. It dawned on me that this made no sense, given that my full-time position was well-paid and I wasn’t struggling for cash. That was my first aha moment: I realized I had taken on the belief from watching my mom. That belief wasn’t mine, and frankly, it sucked since I had no personal life. So, I ditched the belief and realized I didn’t have to put in 60 hours a week to succeed financially.

Take a moment to think about some of the beliefs you currently have about money that you might not even question. Are there any “rules” you’ve created about money that might not be true? Now that you’ve identified them, it’s time for the best part—you get to ditch them. Start with a clean slate and create your own money beliefs that serve, uplift, and inspire you! Things like, “I am diligent about saving money for my future,” “I get rewarded for my hard work with regular pay increases,” and “my money works for me by investing it.”

Does inflation have you fearing for your children’s future? Many parents are increasingly concerned about the financial challenges their children will face. You might think you need to set aside large sums of money to help your children or forego some of your own financial goals.

Please consider that simply handing them money is not the only way to be supportive. One of the best ways to support your kids is by helping them build financial literacy. Preparing them to make smart money moves can significantly impact their ability to navigate the financial responsibilities of adulthood.

Teaching your children the basics of money management—from saving and investing to creating and sticking to a budget—can provide them with the skills necessary to achieve their biggest financial goals. And it doesn’t cost you anything!

One of my first financial accomplishments was buying my very own Super Nintendo at the age of 8. After my mom said she couldn’t afford it, she suggested I save up and buy it myself. It hadn’t even dawned on me until she suggested it. It felt like an impossible goal at the time, but I never gave up. I will never forget the feeling of walking into the store and purchasing it with my very own money.

When kids learn how to manage their money, they start making their own financial decisions, gaining confidence, self-esteem, and a sense of accomplishment and pride. So, don’t think you have an obligation to throw a stack of cash at your children to set them up for success.

The most valuable gift you can give your children is the knowledge and confidence to manage their finances. By teaching them these skills, you’re providing them with the foundation for a secure and prosperous future.

Finances have been tough lately, with increasing costs eating away at our budgets. It’s easy to focus on just getting through the monthly bills. However, even in challenging times, try not to lose sight of the possibilities. Shifting your mindset from the negative to the positive can bring a bit of sunlight into your financial life.

As we head into the weekend, try an exercise to expand your awareness of the possibilities. Believe in them; there are no limits on your journey. Take a moment to write down your biggest money goals. If you’re open to taking it a step further, visualize yourself achieving those goals.

Now how awesome does that feel?!

Life’s too short to settle for anything less

I recently attended the Taylor Swift concert in Paris with my daughter Ivy, which was an amazing experience that I will never forget. For my fellow Swifties, here is an eras tour of your finances to guide you in achieving your biggest money goals:

Be Financially FEARLESS - Let go of your biggest money fears and approach your finances with the confidence of Taylor Swift stepping out on the stage in front of thousands of people.

Staying out of the RED - Building wealth is simple math: money in has to exceed money out. Take time to do a financial audit so you know where your money is going and can course correct if needed.

Ditch the Financial FOLKLORE - Many beliefs you hold about money were likely formed in childhood, and many of them might not be true. Ditch the beliefs that are no longer serving you and trade them in for positive money beliefs that inspire you!

REPUTATION Resilience - So you’ve made some (or many) poor money decisions in the past. Guess what? We all have. Learn from them and move on, because this is how you develop money wisdom.

Mastering MIDNIGHTS - Automate wherever possible; you don’t have to lose sleep over your finances. Set up automatic deposits towards your longer-term savings buckets and invest ongoing.

LOVER (of Money) - It’s okay to talk about money, to have wants, and to like money. You might even grow to love it. Money is a tool; it made my trip to Paris with my daughter possible. So thank you, money!

SPEAK NOW for your money - You work so hard for your money, and that gives you the right to advocate for it always. Never fully give up control of your finances to someone else. Stay engaged and be ready to speak up for your money.

EVERMORE prosperity - You deserve to live a financially fulfilling and abundant life now and into the future. Being a diligent saver is fabulous, but balance saving with doing what lights you up now, like splurging on an international trip to an epic concert.

And then of course there’s 1989... I’ve got nothing for that one...

I hope these financial eras have inspired you to take action and know you have what it takes to achieve your biggest financial goals!

Getting out of your own way - When it comes to investing and wealth building, the biggest obstacle is often YOU. We have a tendency to be swayed by outside sources of information. What you see and hear online or on social media can be distracting, causing you to doubt your actions and assume you aren’t doing things right.

If you sense that you are getting in your own way, here are some reminders to keep you on track with your finances:

**Practice patience** - We have become a society of instant gratification. When I tell my daughter her Amazon package that was just placed will arrive tomorrow, she sighs in disappointment (Jeepers, how would she react to regular mail!) Investing and wealth building take time. So, if you are focusing on day-to-day movements in your investments, I urge you to think in terms of years and decades to see the full effect of market cycles.

**Ditch the drama**- Investing and wealth building can and should be boring. The excitement and constant monitoring often portrayed in the media can lead to unnecessary stress and poor decision-making. A steady, disciplined approach, sticking to a well-thought-out plan, and avoiding the hype can lead to more consistent and reliable results. Embrace simplicity!

**You know more than you think** - Many people put off getting started or taking action with their money until they learn more. While I am a strong proponent of financial literacy and always encourage seeking more learning opportunities, you don’t have to be an expert to get started. A basic understanding will get you there, and you can strive to learn more on the journey.

**It’s ok to be different** - Many people I talk to about their finances seem to think there is a specific path to follow, wondering how much they should have by a certain age, etc. Embrace your unique money journey. A better comparison is where you are today versus where you have been. I suspect you have made loads of progress and have much to celebrate.

Remember, the path to financial success is unique for everyone, and with dedication and the right mindset, you can achieve the future you desire!

Money is a huge source of stress for so many people. But what if the goal wasn’t to become a money genius, but simply to build a healthier relationship with it? 💰✨

Here’s how you can start building a healthy relationship with your money:

1. Shift Your Mindset: Catch yourself when negative internal dialogue about money creeps in. “I’m always in debt”, “I can never get ahead”, or “it’s impossible to save money”. Replace it with affirmations and positive thoughts about financial abundance. “I am finding creative ways to save more money”, “I am worthy of a wealthy life”, and “I am on my way to achieving my biggest money goals”

2. Set Clear Goals: Define what you want to achieve financially, both short-term and long-term. Get really really specific and write it all down. You CAN have everything you want and you deserve it!

3. Practice Money Awareness: Be mindful of your spending habits and make intentional choices. When money is spent in alignment with your dreams and goals it will feel good and there will be no resistance or guilt.

4. Build an Empowerment Fund: Create a safety net to reduce financial anxiety. Unplanned expenses won’t throw you off course when you have a surplus set aside.

5. Celebrate Progress: Acknowledge and reward yourself for financial milestones, no matter how small. It takes action and effort, so be proud of yourself for doing the work!

Let’s redefine our approach to finances—not as a burden, but as a tool for empowerment and growth. Your mindset shift starts now!

🌟 Ready to break free from financial limitations and achieve your dreams? 🌟

Growing up poor often means suppressing our desires, but it’s time to rewrite that narrative! As someone raised by a single mom, I know the struggle of hearing, “Don’t ask for what we can’t afford.” It wasn’t just about seeing something cool and wishing for it; it was like we weren’t even supposed to acknowledge our desires. We were taught to accept our circumstances and not dare to dream beyond them.

But here’s the secret: clarity is key in setting financial goals. Get specific about what you want, and don’t be afraid to aim high!

💡 Give yourself permission to dream big.
💡 Jot down your goals and visualize them daily.
💡 Keep pushing yourself to want bigger and better things.

Break free from limiting beliefs and start achieving your dreams today! 💫

You aren’t meant to suffer, it can and should be easy!

Building wealth for the next generation: Many of my clients with children are eager to discuss ways to financially support their kids amidst rising costs and concerns about future home ownership. But if you too are feeling financially constrained, there are plenty of ways to pave a solid financial path for your children (at no cost to you!)

One idea is promoting financial literacy through open conversations about money. You don’t need a teaching degree or financial expertise to start these discussions.

I engage my nine year old daughter Ivy in conversations about money by asking simple questions, sparking fun and sometimes humorous dialogue. If you’re ready to dive into financial literacy talks with your little ones, here are some questions to get the conversation flowing:

- What do you think is a reasonable income to make each month as an adult?

- Do you know the difference between debit and credit card?

- Where do you envision living when you’re older?

- How much do you think it costs to buy a Taylor Swift ticket right now?

- If you were given $1 million today, what would you do with it?

- Why is it important to save money for the future?

- Can you think of any ways to earn extra money?

- How do you decide between spending money now or saving it for later?

- Have you ever thought about investing money? If so, what would you invest in?

- How do you feel when you receive money as a gift or for doing chores?

- What do you think are the benefits of giving to others or donating money?

By engaging in these conversations, you’re not only teaching your children valuable financial lessons but also laying the groundwork for their future financial success. And the best part is that it doesn’t cost anything! Start the dialogue today and watch them grow into financially savvy individuals!

In today’s economy, it’s no secret that the cost of living keeps rising. Feeling financially constrained? I’m here to share some FREE money success habits you can start implementing right now:

1. **Combat Negative Self-Talk:** It’s easy to get bogged down when it feels like the odds are against you. But dwelling on negativity doesn’t benefit your bank account. Instead, focus on positive outcomes. Even simply shifting away from negative phrases can make a significant difference. Instead of “I can never get ahead”, try “I am finding creative ways to build my wealth”.

2. **Embrace Continuous Learning:** The wealth of information available today is staggering. Tap into podcasts, articles, and other free resources to enrich your financial knowledge and literacy.

3. **Set Clear Goals:** Don’t underestimate the power of writing down your aspirations. Whether it’s starting a business, writing a book, or planning family adventures, articulate your dreams and watch them manifest.

4. **Enhance Money Awareness:** Budgeting can seem daunting, especially when societal pressures make us feel guilty about our fancy latte or trip to Sephora. However, understanding where your money goes is empowering. Take a moment to review your expenses and identify areas for improvement.

5. **Encourage Open Communication:** Money shouldn’t be a taboo topic. By fostering open dialogue, we can alleviate financial stress and expand our understanding of money management.

Remember, mastering your finances doesn’t always require a hefty investment. Sometimes, the most effective strategies are completely free!

Bye bye scarcity mindset

The choice is yours 🔥🔥🔥