More Money Podcast - 365 Is More Money Ever Enough? - Dawn Dahlby, CFP, Founder of Relevé Financial Group and Author of Live WELLThy

Episode Date: April 26, 2023

How much more money do you need to make in order to feel satisfied with your life? That is the big question we’re tackling in today’s episode with Dawn Dahlby, Certified Financial Planner®, behavioural financial advisor, and author of Live WELLthy: Own Your Worth, Grow Your Wealth! Dawn serves as the founder and president of Relevé Financial Group and has over 20 years of experience providing financial advice, which is why she brings so much experience and real-life stories to the table when discussing how we can stop getting in the way of ourselves and our future financial growth. In this episode, Dawn also shares why she feels self-limiting beliefs are the big reason we attach emotions like fear and guilt to our money and why she hopes that her book will inspire others to take action and start building a meaningful and abundant life. I know I felt lighter after our conversation together, so I hope you also feel reenergized too as we enter the spring season! For full episode show notes visit: https://jessicamoorhouse.com/365 Learn more about your ad choices. Visit megaphone.fm/adchoices

Hello, and welcome back to the More Money Podcast. This is your host, Jessica Morehouse, and this is episode 365 of the show. And I'm so excited to have you listen to this episode. It's a great one because we're not just talking about money, we're going in depth about some of the deeper side of money, the emotional, the psychological, the behavioral side of money. And I have the perfect guest to talk about this with me on this episode. She is a certified financial planner, a wealth wellness expert. She is also the US's first behavioral financial advisor, but she is also the author of the new book called Live Wealthy, Own Your Worth, Grow Your Wealth. Of course, I'm talking about Dawn Dalby, who has had a number of years working in the industry as a financial advisor and financial planner.

And she really wanted to make sure that she could not just help her clients with just the practical, the how-to side of things. She really wanted to make sure she can make a lasting impact on their personal lives and their financial lives. And that's why she really wanted to make sure she had some more tools in her toolbox. And I'm so excited to have her on the show to discuss what are some things that we need to pay attention to? What are some things in terms of our own personal growth and self-work we need to pay attention to? What are some things in terms of our own personal growth and self-work we need to pay attention to that most people just don't talk about and we probably ignore? And how could this have a really big impact on our futures? And also just a reminder, I will be giving away a copy of her book. So make sure to listen to the end of this episode for all

of those details. But without further ado, let me get to that interview with Dawn. Welcome to the More Money Podcast, Dawn. I'm so excited to have you on the show. I'm so excited to be here. More money, more money, more money. I know you're all about more money. And I mean, I think that's why I was very excited to have you on the show is, well, your messaging obviously resonates with me as a woman, a woman in finance, especially. But also it's very positive. It's very empowering. It really is about, you know, women in particular taking their power back in kind of the financial space, which is, I think, a message that you can't spread enough. So welcome. Absolutely. And we're here spreading it together. And thank you so much. I've listened to your podcast. I think you do great work yourself.

And I'm so excited to have this conversation with you. And I'm excited, too. You have a book coming out very soon called Live Wealthy, Own Your Worth, Grow Your Wealth. Before we kind of dive into that, which I'm very excited about, just for anyone who's new to you, you have a very interesting story. And you've been doing what you've been doing for a very long time. So you have a lot of experience. I'm sure you've seen it all. Tell us a little bit about, you know, where this all started. Did you, you know, how did you get to where you are today? Yeah. You know, growing up in a small town,

I just thought the only thing I wanted is more money, more money, more money. And so that's what I did early on in my twenties and thirties. It was just money, more money. And so that's what I did early on in my 20s and 30s. It was just all about building money. And how do you how do you learn about money? You get a career in money. Yeah, that makes sense. So that's what I did. And, you know, I've been a wealth advisor for 23 years. I own my own financial planning firm. We do financial planning and wealth management. And it was really about my experience, you know, with my own relationship with money and the experience that my clients had with their money and the relationship that I had with my mother.

Like there's so many reasons that came to be of why I wanted to not just write the book, but why I just wanted to focus and learn more about money because it is empowering, right? The more we know, you know, I always say you can't mindset your way or manifest your way to wealth. You need, you know, there's a psychology, there is a relationship with money for sure, but you also need the technical how-to advice and how to really build that wealth. And when you mirror those two things together, that's when life really gets interesting and the expectation that you have for your life can can really be different than what is in your mind today.

I'm curious, too, because I know, for a lot of your career, you did work for, you know, some of the big financial institutions around now you have your own firm. You know, was there a reason that you wanted to kind of branch out on your own? Was there things that you saw in the industry that just were not, you know, working for you, they weren't maybe allowing you to kind of branch out on your own? Was there things that you saw in the industry that just were not, you know, working for you? They weren't maybe allowing you to kind of do what you really wanted to do? Oh, that is such a good question. So full disclosure, I still so I own my own firm. We're a registered investment advisor. So what that means is that we still like it's my own firm, but I still like hold all the clients assets at Charles Schwab. So we still, like, it's my own firm, but I still, like, hold all the clients' assets at Charles Schwab. So the assets are held at Charles Schwab. some inequality in how women were perceived in our industry and how we were maybe looked down upon

and didn't have the same value as other colleagues in the business. And so I was like, how do I get away from this? Because it was really hurting my worth and what I thought of my own self and how that was impacting my wealth building opportunity. And I decided to take a risk and go out on my own and see what that looked like. And I've never looked back ever since. Yeah. I'm sure you wanted to create your firm in a certain way. What things did you instill that you wanted to basically to avoid, I guess, mimicking some of those barriers, maybe because some of the toxicity that you did see in the industry, what did you want to make sure that you did differently?

Yeah, I realized that, you know, so many times that I was taught early on in my career to, I don't want to say talk over the client, but, you know, make the meetings feel the one-on-one client meetings, like make them feel like you're such the expert and you have all this information. And, and, you know, even if it's putting the client to sleep, it's okay because they need you. And I was like, gosh, I don't like this. This doesn't feel right to me. And so I guess I had a more informal relationship with clients and I watched them like so many times. I would sit across the table and watch these clients try to fake yawn in our meeting.

Like, like not fake yawn, like literally yawn, but try to hide it. Right. And I was like, oh, I see that. I'm like, why are we focusing on all the boring aspects about wealth? And the clients hire us to know that information. We don't need to bring it to the table. The alpha and the beta and how it all works behind the scenes. And I was like, gosh, you know, like I was I would been in a position to watch clients go from portfolios of zero to multimillion dollars and realizing like I was in a position to tell clients, you've arrived at enough money. How cool is that? And guess what? They would look at me and go, we don't believe you. So I realized that what I wanted to do differently is not talk about the beta and the, the emotions that people have around the money and, and getting, allowing my advice to come in and bring that advice in to say, here's how you're going to arrive at enoughness in your life and with your money, because nobody ever feels

like they have enough. It's always, we're, we're chasing the next dollar. And so I really wanted to bring in that aspect to the client meetings. And that's what I did. Yeah, that is a word that you almost never hear in the personal finance space is enough, because it seems like there's never enough. Like you're always, you know, if you do reach a certain goalpost, you're moving it instantly. Or if you have reached your personal goals, and you, you know, compare yourself to someone else's goals, and then you feel like, wow, well, I certainly don't have enough compared to them. And it just seems kind of like just you're on the hamster wheel

forever. Right. And it's like, you know, we all I believe we all just want to arrive at a place of freedom, security, happiness. And, you know, just always chasing the the next like you said, goalpost, right. Then that next layer reallybs us from, I believe, you know, robs us from our lives. And we all just want to live. We want to have enough money to support how we want to live. And we need that. And there's nothing wrong with wanting more money because we constantly evolve and change in our lives. And we're always wanting more. We become more every single day. So we want more money, and I understand that. But we also can't do it at the opportunity of robbing us from living an abundant and happy life that's full of freedom and security at the same time.

No, absolutely. I feel like, especially too, and I think I love the title of your book, it's Wealth, but it's spelled W-E-L-L-T-H-Y. I think when people think of wealth, they do feel like it's never ending. But ultimately, it does have to end at a certain point, you need to have a certain amount of money. And then that's, you got to be satisfied with that. But I feel like on the journey to building wealth, it can be difficult to stop. Like it's when we talk about like chasing things, chasing goals, whatever they are, it doesn't really seem like anyone's talking about the finish line. I'm curious what your kind of thoughts are about, you know, how can people

identify what is the actual ultimate goal? And then how do you live your life after when you've been chasing and running and racing for so long? How do you then start walking and just kind of living in a more sustainable way? Is that even possible? Yeah, it's hard. I mean, I think the biggest thing to really help people arrive at that enoughness is through financial planning. Like you can invest your money and save your money, but if you don't have a plan and your vision of where you're going, you never do arrive. So you need a financial plan. But I've even done financial planning for, like I said, decades and people still with a financial plan were like, okay, like, is this really enough?

And that's where the psychology and the behavioral financial advice comes in because people need to kind of almost rewire their mind at retirement because they've been so focused on living below their means or trying to and feeling this guilt relationship with money and just saving and saving and saving. And I've witnessed hundreds of people, they get to retirement and they're like, now I feel like I'm on a fixed income and now I can't like stop. I can't let the purse strings loose and start living because I'm still worried that I might have to be a greeter at Walmart. And I'm like, you know, so that's where the financial plan comes in because we can tell people, um people with a 99% probability based

on inflation, performance, bear and bull markets, you know, interest rates, spending behaviors, like all of those things, we can tell them, you know, you're at an X percentage, a lot of times 99% probability of never running out of money. And that kind of helps them a little bit, but it's still that retraining of the brain and making good decisions, of course, in retirement. But it's really about almost like re-educating people once they do retire on how money works. Because what's interesting is that our brains need to get to enough, but our money never stops growing. I mean, that's the beautiful thing. We all know compounding interest, right? Einstein says it's the eighth wonder of the world. Like our money, the more we have of it

keeps working harder and harder and harder for us. And I think that's been the biggest aha of me sitting in, you know, 10,000 different client meetings. Clients are like, wow, I never believed you, Don, but you're right. Like my portfolio, I haven't dipped at all to, you know, I've been retired for 10 years and I still have the same amount of money I had 10 years ago. When I retired, it's because of this power. You know, once you get that snowball built, it's just on autopilot and it keeps growing and growing and growing, which is a beautiful thing. Absolutely. So yeah, you mentioned kind of the behavioral finance piece of it. You are the country's first behavioral financial advisor. I'm curious, how are you the first and what does that mean?

How did you integrate that into working with clients? Yeah. And again, it goes back to that psychology with it was the client, the client interactions that I had. It's like, wow, we're not delivering all the advice that we could with money. And it's about this, you know, this, like our ultimate goal is, is just to, like I said, want to live a happy life, right? That's all we want for ourselves. And we want money to support how we choose to spend our time. And I realized that clients were still, you know, they were still so fearful. I mean, again, clients, this is really funny,

but I would still have clients go to Trader Joe's every week and buy their two buck chuck wine, right? Their two dollar bottle of wine because they didn't think they could afford anything else. And I would say, well, you know, that's fine. Do you like the wine? And they'd be like, eh, you know, I like the price of the wine. And I'm like, do you know that you're spending more on the Advil for the headache you're going to have the next day from drinking that stuff versus just like upgrade it to the $10 bottle of wine. They were just in this fixated mindset of, I'm just so worried because I've lived for 30, 40 years in this. I can't afford it. It's really hard for them to change. So that's why I got the behavioral financial certificate.

Yeah. And to be the first one, because I could see that this is the quality of advice that people deserve because they deserve to live a full life, right? Your podcast, More Money, right? We want more. It's really not more money. It's more life. Like why do people, people want more life. And that's what I realized that I have a passion for fully living. And how can I share that same passion with people to, to get to that, that arrival of more life and you need more money to do that. And that's okay. Yeah. I'm curious when, when working with clients and, and using some of the training that you had as a behavioral financial advisor, you know, obviously fear sounds like a pretty dominant feeling. Were there other kind of, I guess, emotions or feelings that you saw other clients and they just couldn't kind of get past that just because they've been living in that feeling for so long?

Yeah, I think obviously fear is the first one. But I also think there's this guilt, especially for women. We have this guilt relationship with spending, you know, like every time I still I'm in my 50s, I go to the mall, I can afford stuff, but I still like, Oh, do I really you know what I mean? So it's that it's that the spending that guilt spending relationship we have, I think that's one thing. And I think, you know, what I've really struggled with in my life is, is I always feel like I have this limiting belief that if I don't work my tail off, I don't deserve anything of quality. And so I, I, I personally have always had the struggle of, I don't deserve it. I don't, you know, and I think it's partly because my parents ingrained it in my mind. It's like, well, you don't really need that. You know, like you don't need to go out to dinner. You don't need those shoes or you don't really need that purse or whatever. And so that's been in my mind of like, oh yeah, you're right. I don't deserve it. So I've had to, I've had to compromise and going, oh, I want the stuff that my parents told me that I shouldn't have. And so if I want

it for me to accept that I have to like, I got to work 60 hours a week, or you know what I mean? It's just a limiting belief that I've struggled with my whole life. So it's that deserve the guilt, the fear. Yeah. Yeah. And those are, I feel like ultimately things that we have brought into our adult lives. And we don't necessarily realize that. But I guess, you know, working with someone like you, especially you can, you know, obviously do the practical work of building that financial plan and really figuring out where your money can go. But then also identifying, you know, how do you interact with money? I think none of us really take the time to think about how do we feel? How do we interact with money? And how can we stop that?

Because like you said, it could be really limiting. It could be compromising the quality of your life if you feel like the only way I feel like I deserve something is if I work twice as hard. Otherwise, then I'm X, Y, and Z. I'm not good enough. I don't deserve it. I'm a bad person, blah, blah, blah, blah, blah. And I feel like a lot of us, maybe especially people that grew up in small towns, low income, had these messages ingrained in us. Now that we're in our adult lives and maybe we have a very different lifestyle, different income levels, it's hard to make those narratives go away. I'm curious, what are some things that you educate your clients about? This is how we can, you know, identify and then, you know, rewire your brain.

Right. It comes down to me losing my mother four years ago. And I realized that my mom unexpectedly passed away in my home. Not due to, you know, it was a health, obviously Obviously her heart gave out, but it came down to the fact that she didn't love herself enough. And I believe that there is this very opposite, but interconnected force of building your worth and your wealth at the same time. And I always say, you know, if you can build your self-esteem, which is that internal personal security and the financial security at the same time, like that is how real wealth is built. And so I really encourage people is, you know, money's great. I mean, we love, who doesn't love money? No one will say no for more money. Yeah. Right. Yeah. We all love it, but it's like, gosh, you know, I know so many people in the industry, in the financial planning

industry, that they actually are just chasing more money and more money. And then I was like, why? It's because you are chasing an unsolved pain or issue from your childhood. And once you deal with like, you got to build up your worth. And we all have issues, right? Especially people of my age who, you know, their parents and grandparents lived through the depression. And so that was brought into the household. And then it keeps going through generation and generation. It's like, okay, you guys, we don't have to clean out the Ziplocs anymore. Like we don't, you know what I mean? So I think it's, you know, it's rewiring the brain, but it's also like going, wow, there is this interconnectedness of wealth and worth combined.

And that is like through losing my mother from a lack of self-love and worth and realizing that I early on in my career was modeling her similar behaviors, that this needed to stop because I have two beautiful teenage daughters at home. And I was like, I see the insecurities in them all the time. And I'm like, this is not okay. Like we need to break this. And yes, we need money. Let's not downplay that. Like the technical advice is super important, but it's only go so far. And when you build that with the internal security, like we kind of touched on, don't deserve it, or they aren't smart enough or any kind of limiting belief that is usually non-qualified. It usually, you know, comes from some, yeah, past pain, but, you know, isn't actually accurate. And I think that's what,

if not, you know, stops people completely or delays people until, you know, usually they have these ideas in their 20s. They don't recognize and actually do something about it until their 30s, 40s, 50s when it's like, gosh, then they look back like, I wish I did this earlier. But, yeah, I think the confidence piece and believing in yourself and loving yourself is a piece that no one talks about in the personal finance space. But it is kind of if you don't have that, there's no amount of financial literacy that will help you. You're right. Absolutely. A hundred percent.

I just think it's so important for people to learn to continue to improve on both of those aspects. Like I said, it's magical when you do. From the director of The Greatest Showman comes the most original musical ever. I want to prove I can make it. Prove to who? Everyone. So the story starts.

Better Man. Now playing in select theaters. Absolutely. So let's talk a little bit more about the book that you have coming out. What inspired you? And just to reiterate the title, it's Live Wealthy, Own Your Worth, Grow Your Wealth. What inspired you to kind of put some of your expertise into a book for everybody?

Yeah, I just, you know, again, through my mother's experience, my clients experience, my own personal wealth building journey. I mean, I just remember making five times the amount of income I ever dreamt about. And I was still fearing the credit card statements. And I was still fearing that I didn't have enough because my, you know, my lifestyle kept upgrading with my paycheck. But it wasn't until I really started doing personal development and looking at my own behavior. It's easy to call clients out on behaviors, but it's like, well, why don't you look at yourself, Dawn?

It's like, oh, damn, you're right. So I realized through a number of different, you know, situations that happened in my life where, you know, like picking up that credit card bill and being afraid or having my 16-year-old daughter come in and say, mommy, why are you working so hard? I'm like, I have to because I have to. Like, I'm the only income provider of the household. And I'm realizing, you know what, I'm not working just for income. I'm working because it fills me up and it makes me feel like other people need me. Like you just go through the whole psychology of behavior and you can see a lot of like like behavioral modeling from your parents. And I was just like, gosh, my financial life exploded when I started working on personal development. And so that's what inspired me. And I finally got to this place. You know, four years ago, we moved to Arizona from Minnesota, just for a better lifestyle and to see the sun. And I was sitting out by the pool. We built this beautiful house. And I'm like, I kind of feel like I arrived. And I was like, but this is lonely.

Like, I just arrived with my son. Now, granted, I'm married and I have, you know, teenage daughters that love and hate me at the same time. But I was like, I want people to also feel this like, like being in a beautiful, I can afford a beautiful living environment. Like I live like in a place that it's almost like a resort. And I mean, I spent more on my backyard than like triple the amount on my backyard than I did my first house. So I have like, I get to live in this beautiful environment. But it wouldn't like, it's not enjoyable until you actually share it with other people and, and you feel confident and internally, you feel like you've arrived. And I'm like, you know what? I feel like God has called me to share this with

others and empower and inspire people. Like I knew nothing. I started in this financial industry 23 years ago. I knew I didn't even know what a mutual fund was. And I cried for the first six months. And it was just like, if I can do it. Anybody can do it. And it's just about persistency and consistency and not giving up and being able to. You want to help people. Right.

And so that's what inspired me. I arrived and I'm like, well, I need other people to arrive now. Yeah. Yeah. I feel like that's often, again, another narrative that I think we don't think about. We're always thinking about getting to the top, whatever our kind of, you know, goal or idea of wealth is. And sometimes the actions that we take to get there will actually, well, ultimately, we'll get to the top and be realized we're alone. And you're like, so what's the point of this? Like, what's it's not because it's, we think that the point is money, but the point is not money. It's what that could potentially, you know, give you and maybe you would be much happier with less because then, you know, along the way, you wouldn't have worked so

hard, you would have actually been able to spend then, you know, along the way, you wouldn't have worked so hard. You would have actually been able to spend more time with friends and family and having living life, like you said. But often that kind of gets forgotten. So I'm curious, in your book, what are some of those kind of key messages that you want readers to take with them so they can make sure they don't fall into that trap of just consumerism and, you know, capitalism and getting the money and then realizing, wow, it's really lonely at the top. Lonely at the top or you just end up paying more to the IRS because you pay a higher tax bill. It's like, what? I did all this for what? Yeah. You know, the book takes you through,

it takes everyone through a wealth alignment process. And it's a three-step process where you own your worth, you earn your wealth, and you grow your life. And own it is about owning all that is you. It's owning, there's six elements to own it. And I have people go really deep because we've all been exposed to these six elements that I talk about in Own Your Worth. But the secret is, is how they work together in alignment to feel so good about who you are as a human being, including your weakness. Like we all have them, right? So the first process is really knowing and living out who you are. Because when you fully know who you are, you make money, you make more income from your strengths, and you spend your money from your core values.

And it just puts a, like, it's a meaningful life. And so the first step is owning your worth. And the second step is earning your wealth, which is the hardest part because it's a lifelong commitment. This is the personal development stuff. And it's really where if you really want more income in your life and you really want to up-level your lifestyle, it's about walking through the hard stuff in life and getting uncomfortable for a little bit to feel comfortable for the rest of your life. It's the hard stuff. And that's where we need to partner and connect with one another. It's how to make good decisions. And how does that help you grow your income? And then grow it. I call it grow your life,

but it's really about the financial planning aspect. It's about all six key areas of financial planning. And how do you actually have your money start working for you harder than you have for your income? We all know it's hard to make income, right? And it takes a lot of persistency to make good income. So then, you know, to live wealthy, you have to have your money work for you. So it's all the technical advice that one needs to build their financial plan and to get over the emotional baggage or the limiting beliefs of why I can't have a financial plan. And so it takes us through that process on how to technically grow your worth. And then so that's the wealth alignment

process. Own it, earn it, grow it. And that's how you're able to live wealthy. I love that. I love that. It sounds like a lot of this advice or the messages in your book, it's really about people understanding it and implementing it on their own. But at what point does it make sense to look outside of their own sphere to get the help? Because that's something I've learned, especially as someone who really started, especially in my 20s, I wanted to do it all on my own. And then in pretty much all aspects of my life, you realize, I can't be everybody in my life. I can't be every role. Sometimes you do need a therapist, sometimes you do need a financial planner, sometimes you do need this and that. You know, at what point does it make sense to kind of,

I guess, outsource those areas, but I guess still be an active participant so you're not just, you know, like you kind of shared at the beginning, working with an advisor and they're talking at you and you have no idea what they're doing. Right, and that happens too many times. You know, one of the reasons why I not just wrote this book,

but I created an online digital platform is because of exactly what you're asking. Because I was in the business helping millionaires become multi-millionaires. And I was like, dang it, the people that really need my advice are the people that want the millions but are still in debt or they need help or they don't know where to turn. And those people don't have access to fiduciary CFPs like myself because we don't want to work with them because we don't make any money off of them. It's a really terrible cycle, isn't it? It is a terrible cycle. So I was like, gosh,

how could I get advice to this younger generation? And so that's why I created this online digital platform, because I believe with every ounce of my being is that 100% of people, no matter where they're at in their life, they need a financial plan. And only a third of us have a financial plan. And so I believe if you really want to make good decisions, you have to, you know, whether it's my platform or you go on some other platform and hire an advisor that is willing to work with you because, but because statistically you can go, I don't know if you, Jessica, have ever looked at a Vanguard study or Fidelity study, but they say like hiring an advisor should triple the value back in what you pay that advisor. So you think about that. Like, I believe people can't afford to not have one because we know they're not implementing on their

own because that doesn't happen. You can read a book. I'm telling you, you can get the, you can read my book and you're going to like, it's, it's an interactive book. So you can start building your financial plan that way. But to consistently build is about the accountability piece. And it's about like being in front of somebody to share your vision and your goals and, and having that person show you how you can do, you can do it in a less expensive way. And that's what it comes down to. Yeah. So yeah. No, the accountability thing is huge because yeah, again, like I've said, I've talked to so many people over, you know, the past decade that I've been you know in this space and sometimes I you know get approached by people that are still doing the same thing years you know later and it's not that they don't know most people know more than

they think that they do but it sometimes is really helpful having some sort of a form of accountability whether that's with a professional or a course or a buddy or anything, usually that is the thing. I mean, honestly, I always kind of bring this up with the show. It's like, I've always struggled with health and fitness. And what I've kind of realized is like, I just can't keep myself accountable anymore. I need those, you know, classes where I have to sign up and show up. Those are the only way I'm going to get on and do the thing. And sometimes that's, I think what's again, and we kind of touched on this earlier. The reason a lot of people don't do that is either they don't believe that they deserve it or they don't believe that they can afford it because of those beliefs that I mean, I still have those. Yeah, that I can't afford it in my mind all the time from my childhood.

So it's important to kind of recognize and fix it. Well, and I think so. I think there's two main reasons. It's either we hold this emotional baggage with ourselves saying, ooh, we should be farther ahead than we are today. And we don't want any, we don't want to let anyone under the hood to know, to show an advisor, like what's really going on. So that's a limiting belief. It's like really advisors have seen everything. They're just there to like serve and help. Like they're just right. They're actually there even more than just serving. They're there to solve. Like they're just there to solve. They're not judging. But I do think it's that emotional baggage. And I also think one of the reasons why people don't like hire somebody

is because, I mean, just look at the life we live in right now where we can't hold anyone's attention for more than like five seconds. And it takes time. It takes time to plan. But I always say, my gosh, you know, you just brought up health and wellness. That's a constant struggle for all of us. Not just you, by the way. Yeah, not just me. I know it's not just me.

Okay. But that's where you have to show up every day, right? You have to make good decisions three to five to six times a day with your food choices, working out a number of times a week. Like that is harder than building money. Like building wealth is where if you just take two, four hours, two to three, four hours and get your crap together and start a financial plan, that thing continues to like, it's like your muscles getting bigger and bigger and bigger by you sitting back. It's not like working out or eating healthy. Like you just have to set it up once and then just kind of tweak it. And it works harder and harder. It's so different than the health and wellness journey, but we all put health as a priority.

We all put money as a priority, but we don't act upon it because of our emotional baggage or the fact that, you know, we just live in this world where all this external stimuli is just like vying for our time. It's like, you guys really want more time and you want more money? Just do the work right now. Like, take four hours, get your shit together, and let's go because it'll pay dividends over and over again. Yeah. And really recognizing, like we've kind of touched on through this episode that money and wellness are interconnected. They're not siloed. They need to be together. If you're not doing well, you're not going to feel well enough to want to take that next step and improve your finances because you're not going to feel like you have any value you don't deserve, et cetera, et cetera. And it's like, we've got to recognize everything is connected. Um, yeah. Well, just like health, right. Our brains are, yeah, it, it's all

interconnected. And, and I think your mission, my mission is just that we want people to, to create more wealth. And I believe it's our, like, I a hundred percent believe it's everybody's responsibility to create more wealth in their life so they can fully live and then fully give. When you own your worth and you fully are making enough money to support your life and you have enough to give away, that's true abundance. And when you arrive at that, there's nobody more powerful than you. And it's our responsibility to do that. And so I love having this conversation with you because it is it is about more money and more life so we can be that best version and give to. Right. And that's what I wanted to do. I was sitting at my pool. I'm like, OK, now what? It's time to turn it around to give. Yeah, exactly. And I feel like that also just reinforces you wanting to better yourself. It's just that extra kind of layer of building wealth is giving in whatever capacity that is usually, you know, that could just be financial literacy and sharing some kind of

resource with a friend that will change their life. I know so many people like I read this book, I shared it to a friend, it changed their life. their life so that's you know what we're talking about so speaking of books where can people find your new book uh when it's out and where can they find more information about you on your website and online well thank you um the book which I call my third baby it's taken three years after COVID like it's been written for a year it took two years to get it to where it's at right now. April 11th, 2023, we're less than a month away. I am giving birth to this book. It's at, of course, on Amazon. There's the hardcover. There's also an audio book. It's in Barnes and Noble. And for people that actually want to find me, it's just my name. It's Dawn, D-A-W-N,

last name Dalby, D-A-H-L-B-Y. And that's the website. And, you know, if you have under $500,000 and want the educational online platform, we're happy to serve you there. If you have a portfolio over a half a million and need one-on-one advice, we have an entire firm that can take care of you as well. Amazing. Well, thank you so much for coming on the show. I feel so much, I don't know, more lighter, just more excited. So hopefully listeners feel the exact same way and excited for them to check out your new book and all of the resources you have on your website. So thank you so much, Dawn, for joining me. Oh, thank you. It's a pleasure. And that was episode 365 with Dawn Dalby.

You can find more information about her at dawndalby.com and also on Twitter and Instagram at Dawn Dalby. Her last name is spelled D-A-H-L-B-Y-F-Y-I. And a great place just to find all the information about her. Quick links just to make it easy for you. These show notes for this episode. So just go to jessicamorehouse.com slash 365 for all of that info. And of course, make sure to grab a copy of her new book, Live Wealthy, Own Your Worth, Grow Your Wealth. With that said, I am giving away a copy of her book. So if you would like to enter for a chance to win her book or a bunch of other

books I'm giving away because I do, if you're new to the podcast, I do a big book giveaway every single season. So whenever there is a guest who's on the show who has a book, I will buy it to support them and then give it away to one of you lucky winners and mail it to you personally because I love that personal touch. So we can go to JessicaMorehouse.com slash contest to find all of the books that I'm giving away and you can enter to win all of them. You will only win one if you are a lucky winner. But hey, go crazy. I don't care. Enter to win all of them. Okay, so first, just some kind of housekeeping or not housekeeping, but just like some things that if you need a reminder, I'm going to remind you now. Number one, it is springtime officially. And if you want to do some spring cleaning, so to speak, with your finances, I have a number of budget spreadsheets on my website, jessicamorehouse.com slash shop. They come with video tutorials. You can ask me questions if nothing's or if something isn't clear. Happy to help you. But they're very, very easy to use. They are the ones that I use personally for my own finances. So again, jessicamorehouse.com slash shop. Also too, if you want to get a handle on your investments and you want to follow the

passive investing strategy, like I've talked a lot about on the show where you're investing in some index funds for the long term, doing that boring, slow and steady wins the race kind of investing like I also do myself, then you can find all the information about my Wealth Building Blueprint course at jessicamorehouse.com slash course. And you can take a look at a ton of testimonials and apply to take the course. But that is not the most exciting thing I have to share with you. I cannot share all of the details of what I'm going to be sharing with you. But what I can share is I'm currently working on a project and I am looking to interview people like yourself. If you're open to it, you do not have to. Obviously, you can do whatever you want. But I am looking to interview some people to share some of their money stories with me. That's pretty much all I can share at this moment. So if you're interested in learning more about what the heck I'm talking about, if you are

open to having a one-on-one chat with me, your gal Jessica, and to kind of have a chat about just money in general, your experience with it, your feelings with it for this secret project I am working on, please go to jessicamorehouse.com slash interview. I will include that link in the show notes for this episode so you can find it. But again, very easy to find jessicamorehouse.com slash interview. And yeah, that's really all I can share now. And you're kind of the first people that I'm telling because you, my podcast listeners, have been very good to me and loyal. And I feel like if you're listening to this

podcast, you probably would like the opportunity to chat with me and to have a nice convo about money. This is a very unique thing that I'm doing. I will cut it off after a certain time if I get too many submissions. So jessicamorehouse.com slash interview is where you can find all those details. That's all I can say. That is all I can say at this moment. So thank you so much for listening to this episode as a little teaser for next week. Who do I have? Oh, I'm so excited. Okay, next week, I've got Berna and Nat. I've been following her on Instagram for a very long time. I did meet her briefly at a conference back in 2019 before the world went weird. And she has a book finally out. She's been working on it for a long time called Money Out Loud.

Absolutely loved it. Loved interviewing her. She has so much energy and such a great perspective on things. So you were not going to want to miss next week's podcast interview. Oh, gosh, I've got some really good guests coming up. I mean, you're not going to want to miss any of them. But really, next week is a great one. But yeah, that's really it for me. Thank you so much for listening. Shout out to my podcast editor, Matt Rideout. And I will see you back here next Wednesday. Have a good rest of your week and

weekend. Enjoy that spring weather, hopefully. I mean, it's been weird in Toronto. It was like summer for a hot second, and then it was back to really chilly temperatures. So let's let's just, you know, manifest some good weather. Let's manifest that. That's how that works, right? You just say the word and that happens. I don't know. OK, anyways, that's it for me. Thanks again.

See you next week. This podcast is distributed by the women in media podcast network find out more at women in media.network