Send us a text

In this special milestone episode of the Merging Life and Money Show, host Marie-Jo Caesar celebrates her 65th birthday by sharing profound life and money lessons learned over six decades. This episode dives deep into understanding the emotional connection to money, breaking generational financial patterns, and the powerful impact of gratitude on financial decisions. Marie-Jo explores how money mirrors our deepest beliefs and provides actionable steps for transforming your relationship with finances, making purposeful financial decisions, and creating lasting, positive change. Tune in for a transformative discussion that merges financial wellness with living a meaningful life.

*KEY TAKEAWAYS*

🎁 Purpose and Money Management:
Money decisions should reflect your personal values and life purpose. When spending, saving, and investing align with what matters most to you, it creates positive change in both your life and community.

🎁 Abundance Mindset and Financial Gratitude:
Your money mindset shapes your financial reality. Combining an abundance perspective with gratitude leads to smarter financial choices and greater wealth satisfaction. This mental shift transforms both your relationship with money and your financial outcomes.

🎁 Financial Identity and Mindset Transformation

Your inherited beliefs about money - your "money story" - drive your financial behavior. By consciously reshaping these patterns, you can create healthier financial habits and achieve better results. Marie-Jo's workshop and book provide tools for this transformation.

*KEY MOMENTS IN THIS EPISODE*

00:00 Hidden Money Secrets Nobody Tells You

04:40 Your Childhood Money Story Revealed!

09:00 Breaking Toxic Money Habits Forever

14:06 Take This Mind-Blowing Money Personality Test

16:55 Secret Formula for Financial Freedom

19:56 Money Mindset Hack Changes Everything

22:09 Women Who Win with Money

27:11 Gratitude Makes You Rich - Here's How

30:37 Turn Money Mistakes into Millions

32:51 Abundance Secrets of Self-Made Millionaires

38:41 The Money Energy Success Formula

39:57 FREE Quiz + Life-Changing Workshop

💡 *This is more than just a podcast—it’s your opportunity to reflect on your financial journey.

To help, I’m giving away my Financial Milestone Reflection Workbook

🎁 Think of it as a guided path to uncover your personal financial truths.

📥Download it

Support the show

Connect with me:
Instagram: https://www.instagram.com/the_financiologist_mjcaesar/
Facebook: https://www.facebook.com/merginglifeandmoney
YouTube: https://www.youtube.com/channel/UCDOmx_ThReq0hAC3acvMQ9g
Twitter: https://www.twitter.com/https://twitter.com/mariejocaesar
LinkedIn: https://www.linkedin.com/in/mjcaesar

Click this link https://mariejocaesar.com/fp-quiz to take the "What's Your Financial Personality Type” Quiz, so you can transform your financial identity and create Financial Freedom.

Click this link: https://mariejocaesar.com/consult to book a FREE consultation now! Let's map out your path to financial wellness together. Your future self will thank you.

Send us a text

Marie-Jo Caesar discusses strategies for balancing joy and finances during the holiday season. She emphasizes how overspending impacts both financial and emotional health and offers practical advice on creating meaningful, cost-effective holiday traditions. Key concepts include understanding the joy-to-spending ratio, implementing the Money Time Matrix, and practicing mindful spending to prioritize experiences and connections over material purchases.

*KEY TAKEAWAYS*

⭐ Joy to Spending Ratio
Understanding the balance between genuine happiness from holiday activities and the investment required, both financially and temporally. This involves identifying what truly brings joy during the holidays and measuring the emotional return on holiday investments.

⭐ Mindful Money Time Matrix
Emphasizing the importance of evaluating holiday activities based on both time and cost investments. The goal is to prioritize high joy and low-cost activities, ensuring a balanced and satisfying holiday experience without financial strain.

⭐ Cultivating Financial Peace
Encouraging intentional and value-aligned spending to build resilience against commercial pressures. By making mindful, value-based decisions, listeners can honor their financial well-being, reduce stress, and create lasting, meaningful holiday memories.

*KEY MOMENTS IN THIS EPISODE*

00:00 Balancing Heart and Wallet During the Holidays

01:07 Introduction to Financial Wellness Strategies

02:05 Understanding Joy-to-Spending Ratio

03:04 The Holiday Happiness Gap

05:04 Emotional Return on Investment (EROI)

06:47 Joy-Based Decision Making

10:01 The Money Time Matrix

11:30 Personalized Gifts vs. Store-Bought Items

12:49 Managing Holiday Burnout

14:40 Creating Lasting Traditions

17:36 Aligning Celebrations with Personal Values

27:11 Resisting Commercial Pressure

32:04 Mindful Money Time Matrix Workbook

Support the show

Connect with me:
Instagram: https://www.instagram.com/the_financiologist_mjcaesar/
Facebook: https://www.facebook.com/merginglifeandmoney
YouTube: https://www.youtube.com/channel/UCDOmx_ThReq0hAC3acvMQ9g
Twitter: https://www.twitter.com/https://twitter.com/mariejocaesar
LinkedIn: https://www.linkedin.com/in/mjcaesar

Click this link https://mariejocaesar.com/fp-quiz to take the "What's Your Financial Personality Type” Quiz, so you can transform your financial identity and create Financial Freedom.

Click this link: https://mariejocaesar.com/consult to book a FREE consultation now! Let's map out your path to financial wellness together. Your future self will thank you.

Send us a text

In this episode, financial wellness strategist Marie Jo Caesar guides viewers through a thorough year-end financial review. She emphasizes the importance of assessing one's 2024 financial performance, setting SMART goals for 2025, and implementing systems to ensure ongoing financial success. The episode is packed with actionable steps and statistics to help viewers conduct an effective financial review, with additional resources like an interactive checklist available on her website.

*KEY TAKEAWAYS*

⭐ Comprehensive Year-End Financial Review
Gather all financial documents, calculate net worth to track progress, and assess financial behavior and goal achievements. Set actionable SMART goals for 2025, focusing on budgeting, savings, debt repayment, and investment strategies.

⭐ Debt Management and Fee Optimization

Prioritize high-interest debt using effective strategies like snowball or avalanche methods. Regularly review accounts to avoid unnecessary fees and maintain credit utilization below 30% for a strong FICO score.

⭐ Optimizing Investments and Economic Awareness
Evaluate investment performance, adjust portfolios, and leverage tax-efficient strategies like maximizing retirement contributions. Stay informed on economic trends to make proactive decisions and implement systems for real-time financial tracking and ongoing education.

*KEY MOMENTS IN THIS EPISODE*

00:12 Importance of Year-End Financial Review

02:17 Key Areas to Assess in Your Financial Review

05:03 Gathering Financial Documents and Calculating Net Worth

06:00 Reviewing Income, Expenses, and Debt

07:40 Evaluating Savings and Investments

08:43 Reflecting on Financial Goals and Habits

12:20 Planning for 2025: Setting SMART Goals

15:28 Creating a Budget and Debt Repayment Plan

22:42 Implementing Systems for Financial Success

37:19 Conclusion and Next Steps

✨ Download Your Free Checklist:
Get my interactive Year-End Financial Review Checklist to simplify your financial review. Track your progress, plan for 2025, and set yourself up for financial freedom. Download it here: mariejocaesar.com/year-end-financial-checklist

Support the show

Connect with me:
Instagram: https://www.instagram.com/the_financiologist_mjcaesar/
Facebook: https://www.facebook.com/merginglifeandmoney
YouTube: https://www.youtube.com/channel/UCDOmx_ThReq0hAC3acvMQ9g
Twitter: https://www.twitter.com/https://twitter.com/mariejocaesar
LinkedIn: https://www.linkedin.com/in/mjcaesar

Click this link https://mariejocaesar.com/fp-quiz to take the "What's Your Financial Personality Type” Quiz, so you can transform your financial identity and create Financial Freedom.

Click this link: https://mariejocaesar.com/consult to book a FREE consultation now! Let's map out your path to financial wellness together. Your future self will thank you.