Episode 41: Busting Scarcity: Rewire Your Money Mindset For Lasting Prosperity With Kim Butler

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Busting Scarcity: Rewire Your Money Mindset For Lasting Prosperity With Kim Butler

I’m here for another episode of the show. I have another guest with us. Her name is Kim Butler. Kim has been one of my mentors over the years since 2014. You guys are in for a treat, talking with Kim Butler.

 

 

It is always a joy to talk with you. I have been thinking of you as a class act since, apparently, 2014. I couldn’t have pegged the year. I’m glad that you did.

I picked that year up very importantly because that’s the first time I attended Truth Training with your husband, Todd, and met you for the first time in person. You helped run the calculators that we were using to analyze how we get to the whole truth about money. This is a treat because this is one of the people I’ve had in my life helping me understand how to interact with people and the real-world practical applications of money.

She came first from the investment advisory world. She came from what we call traditional, the 401(k), IRA, and the stock market, as a primary way to store and grow wealth. In fact, I’m going to let her tell her story a little bit. Would you give us some background about yourself and how you came to be who you are, 30-plus years later, in the financial services industry?

From Dairy Farmer To Financial Expert: Kim Butler’s Origin Story

Absolutely. I won’t spend too much time on the very initial origin, but it’s important because when I was in fourth grade, my parents gave me a milk cow. It was a real cow that had to be milked by hand, initially, twice a day. We had a machine later. I sold the milk and got involved in the 4-H arena, where I was buying and selling registered Holstein cattle. These are the black and white kind.

From 4th grade to 12th grade, I earned a lot of money, so much so that I was able to put myself through a 4-year private college that was out of state. That was at an era when it was pretty unheard of. All during my growing up, because of 4-H, I had to keep good records. I knew how to earn money. I knew how to expense money. I knew how to keep track of it all, etc. I did four years of school with an English degree. That’s maybe where the books come from. I have parents who are teachers. I was one of those kids who was reading by age four.

Right when I got out of school, I was involved in the banking industry. This was before banks did investments. The trust department of that bank, which had the investments, was right next door to the branch that I was in. This is in Scottsdale, Arizona. There was a lot of money, a lot of movement, a lot of activities, and a lot of entrepreneurs in the space. I learned a lot there.

After three years, I got tired of the restrictions of a bank and chose to get into the “financial services industry”. We say it in quotes because it can mean so many things. I interviewed at stockbrokers. I interviewed at insurance companies. I interviewed at “financial planning firms” and other banks. There were still savings and loans in that era. I interviewed at all these types of institutions.

I’m 27 years old at this point, blonde, female. Pretty much everybody offered me secretarial jobs, which I was not interested in. I went with one firm that said that I could be an agent slash advisor, whatever term was utilized those days. I jumped in, and I got all of the licenses. I got 67 and 65. You name it. I got my CFP designation. This took years, but I immersed myself in the investment world. I was being trained in the life insurance space along the way initially, all with Variable Universal Life and regular Universal Life. Universal Life didn’t exist at the time, but I didn’t know the difference. There was a shift that I want to talk about, but I’ll take a breath for a moment and see if you have any questions.

The Value Of Work And Finding Purpose

I love that we have some similarities in the background in that banking was a part of that, as well as the positive upbringing about money, learning how to do accounting, earning some money to get you started in life, and taking a proactive approach to life. In a similar way, those things instilled a sense of forward progress, not forced by somebody, but chosen, and somehow this passion about money, maybe because we both were fairly well introduced to it at a young age. I had my lawn business. I had a paper route. I had similar things. I did not have a cow, but I had some income-earning opportunities that caused me to have to learn how to do some management.

Also, the value of work.

I know you have this philosophy that it’s important to have some level of faith in your finances. I’m all about that. My audience knows all about that part of my life. I think you’ll agree with this. Work is a gift from God. It’s the gift to create something with our own hands. It gives us purpose. It gives us a sense of accomplishment. It gives us a sense of progress because we’re doing things that solve problems and serve people. It’s this interconnected world we live in where our sociality is so important. We’re such social beings, aren’t we? Work connects us to each other.

I believe we were put on this earth to serve. My sister, Tammy Brannon, whom you would have fun interviewing someday, operates under a quote that she found, which was, “The day that you were born, a problem was solved.” If you think about the talents that God gave us, we are here to put those to use. I also believe that people should and will want to put them to use until the day that they die. Work should not be a negative four-letter word. It should be an act of love and a gift of service, if you will. My dad is in his mid-80s, and he is still working part-time. My mother-in-law is in her mid-80s and still working part-time. This should be a good thing for our society.

The Moral Crisis Of Traditional Financial Planning

I’m with you on that. We’ll probably get into the conversation a little bit about the role of retirement. As you continue to tell your story, I’d like you to touch on that at least related to what you’re describing there, and maybe redefine what retirement looks like based on your experience. Would you mind continuing on with where you were?

Yes. I’ll pick up about the year 1995. I’ve been in the industry for five years. This is pre-Internet. I’m handing out these things called financial plans. This was pre-Internet, but we all know what they are. They’re a document or an online piece where you’ve put some data in, you’ve made some assumptions, and then something has come back out. If this, then that.

I am in the back room of our office creating these financial plans and adjusting the assumptions to “make them work well.” It was, “If I lower inflation a little bit, raise their rate of return, lengthen the retirement age, change the mortality age, or tweak the numbers in some form, then the plan “works”. I’m handing it to people on paper with a four-color print, which was big at the time. You can’t be morally sound and do that very often without starting to feel sick to your stomach. Not to overdramatize it, but I got a crisis of confidence. I thought, “I’m not okay with these pieces of paper being out in the marketplace because they’re not accurate. They’re never going to be accurate.”

Let’s pause on that for a second because I want our readers to get that. A financial plan was more or less, “Here’s your current state of affairs.” That’s your income, your expenses, your current assets, your savings balance and investment balance, and the mortgage that you might have. You have all these current financial values. They’re not your personal values, but the value of your assets.

You talked with them about their goals and what their future objectives are when they want to retire. There’s a certain age. One assumption is the age of retirement. One assumption is the amount of income they want to generate at retirement. You would then generate these reports from some sort of software that would throw out a set of papers that would be their financial plan. That’s what you’re talking about. You were saying you were getting this moral crisis on morality related to that because they were highly unlikely to work long-term. Is that right?

Correct. It’s too much if. In a sentence, if this, then that. When there’s too much if or when there are too many assumptions made, then the plan is not worth the paper it was printed on. We can look at it as an exercise, but then it should be thrown away.

That is because?

It could go so far wrong.

The emergency that you didn’t think about, the change of job, the physical location change to a new state, or a new city. Many variables are immediately wrong the moment you print that paper. We need adjustments. So we need to think about a plan more as a strategy. This is the trajectory we’re headed on, but we need to make regular adjustments to it to make it more likely to turn out.

That’s the theory. That’s why we do a “review” every year. If you’ve been in this business for more than five years, which I already was at that point, you understand that it’s physically impossible to do a “review” for every client every year. The clients don’t want that. You don’t have the time. Even with this world, AI, and the ability to tweak it, it’s not the most efficient way to go about things.

On the day you were born, a problem was solved. God gave us talents to put to use.

You stated at the beginning of our talk time, “I’m looking for practicality.” It’s such an important thing because there’s so much esoteric conversation around money. Our clients can learn from that, but they don’t always know what to do with that. While I would love to remind us all that we’re human beings, not human doings, the fact is, when it comes to money, we want to be doing something. This idea of a plan that you’re going to supposedly review every year, I found to not be realistic.

There’s this human tendency to want to be lazy. Set it and forget it. It’s like, “Tell me what my plan is, and then I’m going to keep working. I’m good.”

What do you do instead?

Shifting To A Practical 3-5 Year Financial Strategy

I want to hear what your thoughts are on that. What was this transition like? What are the approaches that you take now that you have that understanding?

A variety of things occurred within the next 3 or 4 years that helped me completely shift my approach. One of them was that I met Todd Langford, whom you mentioned. We were not married at the time. He was an assistant to a very unique thinker in our space named Norman Baker, who has long since passed on. Todd was the analytical person or the computer programmer behind Norman’s thinking. We could say Norman was the conceptual person, and Todd was the analytical person.

I learned to question a lot of things. Number one, all the assumptions. The assumptions around inflation rates, tax rates, interest rates, and that kind of thing. I can’t remember the exact era, but there was a stock market crash in there. That caused me to question all of those assumptions. I was in Phoenix, Arizona. It had a real estate crash all in that various decade or so. That caused me to question a lot of assumptions because I saw clients who had been doing very well, who were out in the streets.

There were a whole bunch of things going on that caused me to look for a different approach or a different strategy, if you will. I met a group of people that were supported by Todd and Norman on the analytical side that had a conceptual approach that said, “Stop trying to plan, especially out twenty, thirty, or forty years. Instead, try to do the best that you can for the next 3 to 5 years with the money that you have.”

I learned that there are aspects about money that I didn’t know, even though I had all those licenses at that time, and I had so much experience. I was dealing with about 150 to 200 new people every year. Especially combined with my time at the bank, I had seen thousands of people’s personal finances and also the business finances of the entrepreneurial type by that time. I learned about whole life insurance. I did not know the difference between whole life and universal. I learned the impact of the death benefit that could apply to people’s assets later in life in ways that I had no clue about prior to that, and I saw it proven numerically.

I learned about it conceptually, and I saw it proven numerically. None of this happened overnight, but like you, and repetition of learning, keeping on with the learning, continuing to strive with the learning, and layers upon layers of seeing this thing over and over again, it enabled me to take a completely different approach to people’s finances and help them get those practical results that we’re looking for in a 3 to 5-year period and not worry so much about what was out there in the 20 to 30-year period.

Kim Butler’s Bestselling Books: A Library Of Financial Wisdom

That’s a big deal to allow us to focus more on the shorter-term things that we can grasp our heads around. I found that to be so true because we could barely get a few weeks ahead, let alone 30 years of thinking about what our future might be like. It’s brilliant to focus on the next 3 to 5. That seems much more realistic and practical in terms of a planning or strategy approach.

You had this background in banking and the investment world. You had an appreciation for the use of whole life insurance in the overall strategy. Tell us a little bit more about the transition that took place and some of the results that you started to see in your clients. Let’s then get into some of the things you’ve been doing with some of the book writing that you’ve been doing. I want you to share about the new book you’ve got coming up.

It’s a fun tie-in. I wrote my first book around 1997, ‘89, or 2000. There were two books. One is Live Your Life Insurance.

I love this book. It’s such a practical, simple read on how whole life insurance works as an asset. If you want to know the date, can I give it to you?

Please.

Copyright 2008 and 2016. I don’t see a first publication date. It’s probably 2008 then.

That might have been when I added the extra chapter. That book was first written as a white paper for me to give to my existing clients who owned whole life already. I proposed it as an owner’s manual or a user’s manual.

That’s what I love about it. It does do that.

It’s got a glossary in the back. It’s got part A and part B, or part 1 and part 2. Part 1 is all about the cash value. Part 2 is all about the death benefit. This was enabling me to apply the learning that I had gotten about how to utilize the death benefit in our later lives and talk about that in a way that clients could understand. That original book was out there in the early 2000s. This was before Amazon existed and any type of self-publishing.

In 2008, I wrote some additional front matter because I found that so many of my prospects were getting hold of the book. It was a little bit of a bath of cold water because there was no introduction to this thing called whole life insurance that has been around for centuries, but so many people have misunderstandings about it. In ‘80, we came in and wrote an entire initial section that is the introduction to the idea of whole life insurance, and then you have part 1 and part two.

When you picked the book up, I saw the Rich Dad Poor Dad book behind it. That gentleman, Robert Kiyosaki, who wrote that book, came into my life because my first husband was a real estate investor and a salesperson for investor real estate, like apartment buildings, hotels, and that kind of thing. The Kiyosakis, Robert and Kim, came into my life before Robert put out the Rich Dad Poor Dad book.

They appreciated my perspective on finances as I appreciated their perspective on finances. They helped me solidify that quest for, “Let’s look at the next 3 to 5 years and stop this long-term financial planning space.” They also helped me solidify the natural connection that real estate and whole life insurance have with each other, and that businesses and whole life insurance have with each other as well.

Whether you’re a real estate investor or a business owner, or not, it doesn’t matter. Their understanding of real estate combined with my understanding of life insurance and the quite a bit of time that we spent together in that space in Phoenix, Arizona, along with Diane Kennedy, Dolf De Roos, Blair Singer, Sharon Lechter, and some of that initial Rich Dad Poor Dad crowd confirmed for me that I was on the right track for an even more practical and effective way to deal with personal finance. It was a joyful time. My book, Busting the Financial Planning Lies, also came out around that time. I’ve been very grateful for that foundation ever since.

I love it. Busting the Financial Planning Lies, I’ve got it up here as well. It’s on my shelf. There’s a series of books known as the Busting series. Tell us a few of the titles that you’ve written.

It was a labor of love in helping my clients and my prospects have a way to grasp an individual financial thought and learn the whole truth about it. You said it earlier. It’s the whole truth about money that we’re seeking. There’s one on retirement plans, like 401(k)s and that kind of thing. There’s one on budgeting. There’s one on college planning. There are two on life insurance. There’s one on real estate investing.

When too many assumptions are made, the plan isn’t worth the paper it was printed on.

The newest one is on mindset. After helping people with their personal finances for over 30 years, I had a lot of stories that I could share about the utter importance of having that prosperous mindset to apply to things versus the scarcity mindset that so much of our world is made up of. Each of these books is an individual financial concept. Busting the Interest Rate Lies is on mortgage. Busting the College Planning Lies is on college planning.

They’re bookended by the Busting the Financial Planning Lies on the front end, Perpetual Wealth on the back end, which is part of the busting series, even though it doesn’t use that word, and then Busting the Scarcity Mindset, all in an effort to give people a way to get the whole truth. The books are all available in print, on Kindle, and in Audible form, and all but one of them are read by me, so that however people learn best, they can learn. I don’t have to spend time over and over explaining the same concepts. More importantly, humans who need to hear it over and over again have a resource to go to.

That’s one of the things I’ve appreciated about your series of books over the years. I’ve read them. I’ve recommended them to my children, even though they’re young enough, at 19 and 18. They didn’t buy in as soon as I would hope they would, but now that they’re young adults, they’re starting to go, “Dad, you had something interesting to say about those books. I do want to read those.”

You are a part of the library of education that I’m sharing with my young adult children. All of you readers, for yourselves first, make sure you grasp these principles. Maybe you can share them with your young adult children or maybe teen children, and help them start to get the financial education you wish you had been able to receive at their age.

In fact, my backstory includes that in 2005, I took a personal finance class and felt prompted spiritually to do that. My wife and I took that together as an elective course. I was dumbfounded at how many people were clueless about money. It shocked me because it was what I thought was a normal upbringing. I thought everyone was learning about basic accounting, basic entrepreneurship, basic budgeting, a little bit about mutual funds, bank accounts, checkbook writing, and all these things that I thought were normal. Hardly anyone was getting that stuff.

That’s what lit the fire under me. I needed to be involved in this space as a guide at some point, as a mentor, as a coach, or as an advisor. It has been a little over twenty years since I started. You’re right. People are missing that stuff. Having it in written format, audio format to listen to, and chunks that are specific. Instead of just one book having all these different concepts, it is having several books that are a little deeper in how you explain them.

Your husband, Todd, has his calculator series, the Truth Concepts Calculators. For anyone tuning in, if you go to TruthConcepts.com, you can get a free trial of these calculators. I pay for a subscription, but others can get it for free and have these calculators to help evaluate the true mathematical outcomes, not just theories about things, but how things integrate with each other.

Those calculators were used. There are images of those ledgers and things that help describe what you’re talking about with words, so that you have numbers to back it up and tell the whole truth. Tell us a little bit more about this new book, though. Busting the Scarcity Mindset is fascinating to me because mindset is perhaps the most important part of money.

Busting Scarcity: The Power Of A Prosperous Mindset

It’s so valuable because we can so easily shift it within a second. If we stop for a minute and think about our thinking, which is a Dan Sullivan quote from Strategic Coach to think about your thinking, we can realize that often, our thoughts come into two sections. One is what I’m going to call a prosperity-oriented section, and one is a scarcity-oriented section. We can realize that no matter what the subject matter is, which could be our health, our relationships, or our money, those two camps, the prosperity thinking and the scarcity thinking, are always at play. What’s so fabulous about thought is that it can be shifted in an instant.

I’ll share with you a fun story from a client of mine who was getting a lesson in helicopter flying. He’s in the helicopter. He’s over a football stadium. He’s fairly new at helicopter flying. He was not Military. It was something he wanted to do. His instructor says, “There is a pizza box on the 50-yard line. You can have the pizza if you can land there.”

Jordan, the client, is working on getting this helicopter down on the pizza box. An hour goes by, and he can’t get it. His instructor said, “It’s because your thought is not on the pizza box.” Jordan’s like, “My thumb is. I’m using the joystick, and I’m directing the helicopter to the pizza box.” The instructor says, “I know. I can see that, but your thought is not on the pizza box.” They went back up one more time. Jordan looked at the pizza box and thought about the pizza box. With that shift in thought, which can happen that fast, he landed on the pizza box.

This is so helpful for us to know because we may feel like we can’t do anything about our finances. One of my favorite sayings is that cashflow issues don’t go away. They get bigger zeroes on them. One person is dealing with a $10,000 emergency or opportunity. Somebody else is dealing with a $100,000 emergency or opportunity. Somebody else is dealing with a $1 million emergency or opportunity. It is our thought that can shift so quickly, no matter what those zeros are, and it costs us nothing.

We can shift our thoughts at no cost at all. For anybody in any circumstance, all it takes is realizing, “I’m stuck in scarcity thinking,” and shifting our thoughts to a more prosperous outlook, a more prosperous mindset, and a more prosperous approach. I have one more sentence before I shut up for a minute, because one of the most important things to do in life is to shut up and listen. It is that I am still working on this, as I know you are, all the time. I fall into scarcity thinking every single day. That isn’t the point. The point is what I do about it and having the knowledge and a few tactics, which I’ll share here shortly, that I can get out of that scarcity thinking immediately.

I love that. I’m so glad you brought this up. One of our human tendencies is to believe that once we have solved something, it’s forever solved. It’s like, “Once I get out of scarcity thinking, I’ll forever and always be in abundant thinking.” No. I’ve been working on this very proactively since 2010. Even before that, I started to develop some personal development practices.

It still happens over and over. It’s a matter of how quickly we can get out of it and how quickly we recognize that we’re in that thought pattern that’s causing us to feel a little bit in despair, depressed, worried, or anxious about something, and go, “I recognize this. I know how to get out of this. I need to do this.” I’m curious about these tactics you’re talking about that can help us shift. Would you mind sharing some of those?

Practical Tactics To Shift Your Mindset And Elevate Your Finances

Absolutely. One of my favorite things to do is to think in the realm of prayer. It can be whatever other word you might want to use for that, whether it be meditation, focused thought, or whatever. Am I praising, or am I pleading? I will admit to loving the letter P alliteration and all things prosperity, but are we praising, or are we pleading?

Often, when we’re in scarcity thought, we are pleading, “Help me fix this,” to the universe, to Father or Mother God, or whatever you want to call it. Instead, we shift and praise. This is true with our children and our animals. We have a new puppy. We’re doing treat training. What’s that? Constant praise. It is elevating the good, finding the good, talking about the good, praising the good, and acknowledging the good. We know that we get better results with our spouses, with ourselves, with our children, and with our animals when we are praising.

I love it. Praising versus pleading. I can see praising being a sense of gratitude as well. It’s like, “I’m grateful for the solutions that I’m finding to this problem,” versus, “I need some solutions. Please give me some solutions.” It is shifting the thinking to a form of gratitude, which is a form of praise. It’s like, “I’m grateful for the opportunities ahead of me to learn something new through this very difficult thing,” whatever that might be. I love it. Have you got any others that you can share with us?

Of course. Something that my parents taught me is the gratitude game. As children growing up, we lived on a farm. My parents were teachers, so our summer times were the entire family. If we ever complained about work or being bored, which didn’t happen a lot because it was a farm, nevertheless, we would complain about work a bit, my sister and I, then we were asked to play the gratitude game. Dan Sullivan calls this a positive focus. It’s finding anything to be grateful for.

Here’s my challenge to your readers. I want to add this because most people know that being proactive, being grateful, etc., will get better results. We, too often, stop at an elementary level of gratitude. I’ll use a dog as an example. I’m grateful for the dog. It’s soft to pet. It’s pretty or cute. Let’s uplevel that. What is the inspirational or spiritual element of that dog? It’s unconditional love. It’s constant joy. These are things that are not a part of the physical dog. They’re a part of the inspirational or spiritual element of the dog. You can do that with anything, whether it’s a human, clothing, a particular place in your home, a vacation, or what have you.

Us Americans are stuck in scarcity thinking that manifests itself in complaint. It’s horrible. It’s a habit. All we’ve done is develop a habit of complaining. It’s gotten so bad that we often are not aware of it. Once we become aware of it, we flip that around and play the gratitude game, and I mean out loud, as often as possible. You can’t always. You can do it in your head. That works, too. You might even choose to write it down. If we can flip that, develop the aspect of a gratitude statement instead, and then uplevel that gratitude statement by adding in the inspirational or spiritual element of whatever it is that we’re being grateful for, we will transform our experience.

I love it. Gratitude, not necessarily for the experience that we’re having, but for anything to help get our mind off of the frustration and the scarcity into some form of higher-level thinking or even resonance, so that we can be in a better place to deal with that circumstance. Is that what you’re saying?

Do whatever you need with your physical self to shift your state of thought.

You got it.

Give us 1 or 2 more if you have any, and then we’ll wrap things up.

I’m so grateful to share this one because it’s super practical. That’s to be very aware of what our bodies are saying. Physically, are we smiling? Are we looking people in the eye? Are we sitting up? Are our shoulders forward? Are we expecting good? Do we have a demeanor around us that is open and welcoming? That’s all easy when we’re happy. What do we do when we’re not?

All the opposites.

I challenge myself on Zoom, especially. Have you ever looked at the layout of a Zoom room and all of the frowns that are on there? It’s shocking. All the people are sitting back, half into it. That’s not how you show up. Whether it’s sitting forward, maybe choosing to wear bright colors, putting a smile on your face, or looking the camera in the eye with your chin up, if you are not feeling that, then go outside and do jumping jacks.

Go pet the dog. Go read your Bible or your inspirational book. Go take a shower. Do whatever it is that you need to do with your physical self to shift your state of thought. One of the things that I do is I sit on a bouncy stool. I’m able to bounce. I have a trampoline nearby. I mean it. I sometimes will physically get up and go do jumping jacks if I need to shift my physical self so that I can shift my state of thought, so that I can shift the look on my face.

It comes through. I’ve noticed that personally. It doesn’t have to be hard. I love that all these things are super simple, straightforward things to do. We forget. Go out for a walk. I’ll do that sometimes. I’ll get up and go out for a walk. I’ll go get some sun and pet the dog. I had one of my friends who was a life coach. At some events, she’s like, “Let’s do some handstands or some headstands.” She’d call it the energetic espresso shot. She’d get the body upside down, and the blood would flow to the head. It shifts the experience. It creates this joy and positive shift. Silly things like that. A handstand? Really?

That’s not easy.

Not everyone can do that, but she’s like, “Anyone willing, we’ll hold your legs. Give yourself ten seconds upside down.” Let’s wrap things up here. I know you’ve got so many cool resources. This one in particular that you’re launching, when will this be available for purchase?

Unveiling The Latest: Kim Butler’s New Book And Resources

Busting the Scarcity Mindset is out. It’s available on Amazon as a physical book, a Kindle book, and also as an audiobook. This is the first one that was read by an AI. I don’t necessarily love that. I physically read or audibly read all of the others, minus one. I had some professionals do one of the books. That is a very heavy lift, reading your own book.

Audible, the Amazon company, did not allow AI readings until a couple of months ago. We got involved in the beta of Audible’s ability. We were able to choose voice number eight. If you buy the Audible version of this book, it’s AI-read by voice number eight. It’s not trying to be the AI of Kim. It’s voice number eight. I’m very much looking forward to, and we are training, an AI to be the voice of Kim. I am already working on my next book. There will be a lot of fun around that because I’m sure by then, Audible will allow the AI voice of Kim. You’ll have to state that it is, but that will be super fun. Busting the Scarcity Mindset is ready to go out.

Aside from Amazon, are there other places people can connect with you that you would make available?

Yes. BustingScarcityMindset.com has some extra goodies on it that anybody can get by sharing an email. We will make those available. That’s available now. People can check out some of the extra bonuses that are available that are not in the book. I’m constantly tweaking and updating that.

That was BustingScarcityMindset.com. Can they also get the other books from that link, or is there another place to go to get the series of books?

The easiest is to go to Amazon and put in Kim Butler books. You’ll go to my author page, which has all 11 of them in all 3 formats.

You’ll love connecting with Kim and her resources. I’ve been a huge fan since I met her in 2014. Those of you who have whole life insurance policies or might be considering it, her Live Your Life Insurance book and Busting the Life Insurance Lies book are some of my favorites. They’re all good. I can’t wait to read this one as well.

I encourage you all to continue the practice of, one, self-love, and two, that you can do whatever the hard thing is that’s before you. The difficult thing that’s before you, the family environment, the shift of your work life, and the financial issue or opportunity that’s in front of you, you can do this stuff. It’s aided by a positive mindset by thinking in terms of, “How can I? I’m grateful for the opportunity. I’m grateful for the resources,” and all the things that help us get into that prosperity or abundance mindset. We get through things more easily. Reach out. Talk to a friend or family member. Sometimes, a conversation can shift that very quickly. Thanks for your words of wisdom. Thanks for joining me on the show.

You’re welcome.

I love you. Thank you for tuning in. We’ll see you in the next episode.

 

Episode Resources

• Kim Butler
• Live Your Life Insurance
• Busting the Financial Planning Lies
• Busting the Interest Rate Lies
• Busting the College Planning Lies
• Perpetual Wealth
• Busting the Scarcity Mindset
• Rich Dad Poor Dad
• Truth Concepts