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145. Elevate Your Financial Frequency with Susan Glusica
Episode 14520th June 2024 • FINE is a 4-Letter Word • Lori Saitz
00:00:00 00:42:08

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Here’s a challenge for you: ask your social media followers if they believe money can buy happiness or bring it up at your next social gathering and watch people fight it out.

Some say you can; some say you can’t; others say that money cannot buy happiness like getting a box of happiness at the store, but it solves problems and greases the wheels that make happiness possible and attainable.

But what if you’ve been looking at it in the completely wrong way?

Growing up the daughter of a German immigrant father and a mother whose parents came from Norway, Susan Glusica was raised with what she calls Northern European mores, values, and habits. Like so many of my guests, she was raised with a strong work ethic but lacked emotional nurturing, which influenced her professional and personal relationships.

Out of college, she started on Wall Street and eventually transitioning to financial advising. Her career went well; she moved from one job to another without ever posting a resume. Susan’s values surrounding hard work got her noticed for doing the work of three people, which brought prospective employers calling her, rather than vice versa.

Her husband was also getting his career going, and everything seemed fine, but you know what comes next – Fine is a 4-Letter Word.

Susan felt that while she enjoyed her work and was very good at it, she wasn’t creating a legacy for herself. So she started her own business, which she planned to make wildly successful by compressing ten years of development into one. While she built the business, her husband landed a great job so he could take over as breadwinner for a while.

Then the Great Recession hit and he lost his job. Crushed by the burden of debts she had hidden from her husband and unexpected medical expenses, she filed for bankruptcy. Yes – the financial wizard who helped others create wealth filed for bankruptcy.

But then a few years later, she discovered the seven energetic levels of money consciousness. Coming to understand the power of frequency and vibration, and discovering new terminology to replace the entire “money buys happiness” riddle, have since enabled Susan and her husband to create what some would consider an opulent lifestyle.

If you, like so many, are struggling with money, this episode is a must-hear.

Susan’s hype song is “Soak Up the Sun” by Sheryl Crow.


Invitation from Lori:

Now, if like Susan was, you’re feeling like an imposter claiming you can help other succeed at something you failed at, the 5 Easy Ways to Start Living The Sabbatical Life guide could be the fresh-eyes look that changes your outlook.

Once you read it, you’ll

✅ Discover a counter-intuitive approach to making intentional changes in mindset and lifestyle.

✅ Learn how to own your feelings and your struggles so you can address them.

✅ Find out how to face fears, step out of your comfort zone, and rewire your beliefs.

It’s only 7 pages, so it won’t take you long to get through. Paired with what you’re about to hear from Susan, the counter-intuitive approach may be just the pattern interrupt that changes your vibrational flows to attract money your way.

When you’re ready to say F*ck Being Fine, this guide is the place to start and it will give you new feelings of gratitude – the greatest wealth building energy of all, as you’re about to learn about in a way that could change your life starting today!

Go to right now to download it for free.

Now let’s meet Susan. We’re just pulling up to her 23-acre prosperity practice – there’s her luxury car in the driveway. I can feel the energy now!


Lori: Hello, and welcome to today’s episode of FINE is a 4-Letter Word. My guest today, Susan Glusica. Welcome to the show.

Susan: Thank you. It’s so great to be here.

Lori: It is great to have you. Let’s jump right in straight away to what are the beliefs and values that you were raised with that contributed to you becoming who you have?

Susan: Wow. I give full credit to my parents. My father is a German immigrant and my mother’s two parents were Norwegian immigrants. So Northern European, basically, mores and values and habits. That’s that hard work ethic, squarely in the middle-class mindset of work hard to get what you want, save your money for what you want, and all of these things. Also, interestingly, my father wanted boys and he got three girls, so we were raised with the idea that we could have anything, be anything, do anything that we wanted. So, I credit them for teaching us that hard work ethic and those values of integrity and seeking to own who you are and how you express yourself in the world. However, being raised within the framework of my mother and her family, like in her mother, they were not raised emotionally nurtured. They were kind of the doers. Not the nurturers, the doers. So we have strong women, but not nurturing women in our family. So I attracted in my current marriage, which is not my first, I’m strong core masculine, he’s strong core feminine, so it really works in our dynamic. We’ve been married over 23 years now.

Lori: Congratulations.

Susan: Thanks.

Lori: That’s an accomplishment.

Susan: He has a lot to say about that success, too. Interestingly, he comes from Southern European or Mediterranean background. So it’s an interesting mix of—it’s kind of like the yin yang. The values that I got as a kid growing up, oldest of three girls. And I was responsible for my younger sisters at a very early age. We were latchkey kids. So, there was a lot of early responsibility built into my life.

Lori: How much older are you than they are?

Susan: I am two years older than the middle, and then six years older than the youngest.

Lori: It’s not a really big age gap, but it was because you’re the oldest.

Susan: It’s interesting because as we age, I’m closest to my youngest sister. We’re all healers. It’s interesting. We all became healers over time, kind of latent healers. My middle sister runs a school with her husband. They’re both child psychology PhDs. They help children heal in the educational process. Then myself and my youngest sister understand how energy works. She actually has multiple—I think seven certifications in the healing arena. She runs her own private luxury spa in Bay Ridge, Brooklyn, which is where we’re from. Then I’m helping people heal their money. It’s been an interesting journey with all of that going on. I’m very close to my youngest sister now, it’s because primarily we do a similar job of healing. She just doesn’t do it on the money, she does it on the spiritual side, the really energetic side.

Lori: It’s interesting because you just said that you come from a long line of strong women but who are not nurturing. And yet you’re in these nurturing types of careers.

Susan: We feel it’s that generational healing of timelines and programming and on the basic DNA level, too. It’s interesting, only the middle child, my middle sister, has children. Myself and my youngest sister don’t have children. We have fur babies.

Lori: I have to mention that as we’re recording this, Susan just showed me the newest addition to her family, which is this sweetest—if you’re not watching the video because I haven’t posted videos of a lot of this stuff—but the sweetest little kitten. She’s gray. What’s her name?

Susan: Her name is Katia.

Lori: Katia. Oh my God. She’s eight weeks old, you said?

Susan: Yes, she’s eight weeks old.

Lori: She is so freaking adorable. She’s climbing all over Susan’s neck right now as we’re talking. Oh my goodness. But you did not go into a healing profession right away.

Susan: No.

Lori: Tell me the start of your journey.

Susan: I cut my teeth on Wall Street because—

Lori: You cannot get very much further away from nurturing than that.

Susan: Right. And it’s extremely masculine as a culture. It’s extremely masculine. What’s interesting is I cut my teeth on Wall Street because I didn’t go to college for a couple of reasons. First, I didn’t go to college right away, I should say, because, ultimately, I did because I didn’t know what I wanted to be when I grow up and I didn’t know what I wanted. Why spend four years in a college where I didn’t know what I was going to be studying or why I was going to be studying or what I was going to do with it? So, I actually started out on Wall Street as an executive assistant.

I went for a quick eight-and-a-half-month certification at Katie Gibbs, and got into a private banking firm, Goldman Sachs when they were still private, on a one interview because I had wicked skills. I could type pretty much as fast as you could speak, and then take dictation. Which at the time—this was all before automation. I just made myself very valuable and got into the investment banking floor of Goldman Sachs. It was interesting. I was as green as a dollar bill and didn’t really know what I was doing, but made it work. $16,500, I think, was my first year of salary and I thought I was queen of the heap.

Lori: That’s so funny. I think that was my first salary too. And my very first job was about the same.

Susan: It was great. I was there for four years. Then I moved on to Reuters America on the data side of the industry for eight years. Then I went over to the insurance side starting at New York Life, and then ending up at Guardian Life, initially at the broker dealer and then over into the actual individual products division, which is where all the life insurance products and things are. Fascinatingly, leading a technology team, which is the fascinating part, life insurance companies are not known for being cutting edge technology. But this was some time ago. This was almost 15 years ago.

When you look back and you appreciate all of the experiences that brought you to where you are today, I credit... I was very blessed with great mentors. I never hired a coach until I actually went into the client facing side of the industry. But the mentors that I had along the way were just priceless. They were, in large part, to blame, if you will, for all the success that I have had. It wasn’t always all roses.

Lori: Tell me more about the journey. You stayed in that career for how many years. What was the impetus to inspire you to go out on your own?

Susan: I was in corporate. My whole corporate career is about 20 years. Always successful. Never had to post my resume. Always tapped on the shoulder because I did the work of two to three people because that’s what I was taught by my parents. I’m a good girl. I study hard and I apply what I learned. Well, I should say in school, I didn’t really study hard. Success came easily in a way, but I always applied myself. It’s really important to give yourself credit where credit is due, but also to honor the people who taught you. So here I am—

Lori: Just on that point for a real quick second, it always interests me when I hear people say that they are a self-made millionaire or a self-made man, woman, whatever.

Susan: It doesn’t exist.

Lori: No. Everybody has somebody that has mentored them or pulled them up or something. Even people who are raised by wolves were helped by the wolves, right?

Susan: Yes. Because as I’m learning with this eight-week kitten, there’s a lot of oversight and guidance. Even if you don’t feel it, there is. That’s what I was saying. I was really blessed to have those great mentors. The real impetus to me going and doing what I do today is that I had a crisis of legacy. I could not see my footprint. I mean, here I am. Successful, six-figure income, great benefits, working with great people, a manager. I had arrived. Was well reviewed and liked by my colleagues and had great friends and connections and the whole nine. Yet my soul was like, “Please, don’t go to that corpo cubicle again. One more day, I can’t do it.”

So I talked to a bunch of people, including my financial advisor at the time, Joe, and he said, “You’ve always wanted to be an educator. Why don’t you come over and do what I do? Because a lot of what I do is education.” I said, “Okay.” He saw something in me I didn’t see or know even existed, but yet I trusted him. There’s the thing. If you have a blind spot, speak to somebody who really knows you well and whom you trust, and then follow their guidance. That’s just an easy-peasy giveaway tip there.

Lori: I always laugh at the quote I’ve seen, “If at first you don’t succeed, f told you to do.”

Susan: Exactly. That’s a great quote.

Lori: Or your mentor, whatever.

Susan: Being a coach now, I totally understand. The flipside of that is how many people actually—it’s not knowing what to do. It’s actually doing the thing. That’s your humanist in action. It always takes physical action to make it a reality. So, you can’t sit on the mountaintop and go ohm all day and expect the queens and dollars and all that to fall into your bank account or your purse or your wallet.

So, there I was bereft. My soul was like, “Please don’t,” and I listened to Joe. I ever since have told him it’s all his fault in a good way. Again, it hasn’t been all positive, meaning all roses. There have been some challenges. But I will tell you, entrepreneurship is, to me, the best teacher of who you really are. That’s the proving ground. Because psychologically, it’s easier to perform or work for someone else than it is for yourself.

Lori: Absolutely. Because for one thing, if somebody’s telling you what to do or even if they’re not telling you exactly what to do, there are parameters set up for you to follow. When you’re on your own, you’re on your own.

there I was. I started out in:

There were some bumps along the way because pretty immediately after that, my husband lost his job to downsizing and it took him some time to get another job. Meanwhile, I’m peddling as fast as I can, as hard as I can. I’m persistent to no end. I’m doing everything. Because I’m one of those rare birds who you tell me to do something, I’m going to apply it right away. I don’t wait. I’m like, “If this is what I need to do, okay. So, this is what we need to do.” I would apply everything pretty much instantaneously.

One of my long-term coaches loves to work with me because she’s like, “What I love about you, Susan, is you’re that rare person who applies it immediately.” It’s not throwing spaghetti at the wall and seeing what sticks. If someone tells me, “If you throw it, it will stick,” I will throw it. It’s that.

Lori: Right. But doing the things doesn’t make things happen. It supports things happening, but you can’t make clients start working with you.

Susan: Well, here’s the thing. The interesting thing about my story is here I am, I’ve been in the money game and world my whole career, working with a financial advisor 10 years prior to helping other people, so I knew the success. But there was one very important suggestion or rule of thumb, if you will, that he gave me, that Joe had given me as my financial advisor, that I didn’t follow. I couldn’t pull it off. He told me, “We got to get you to save more.” I was already saving 5%, which is the national average-ish, depending on the year. That just simply isn’t enough if you want to do something big or if a shoe drops or two things happen, like what happened to me in the same year, where you flip a switch over to entrepreneurship. And the main, at that point, breadwinner—I was the main breadwinner until I flipped the switch, then he became the breadwinner. But then that evaporated under my feet.

Then I was in a conundrum because I had told everybody—remember, I had kicked the tires for a year and a half—“This is the career I will retire from,” to all my friends and family, to all my colleagues. Because that’s where they tell you to ftells zstart in terms of the market that you start working with. Oh my. Ego was a big thing. Humility didn’t register large in my family, nor my life. That was not a familiar thing, so I didn’t go humble and release as I would today if the same thing was happening. I went very male, very core male of just keep working harder, just keep doing more of this, and the ship will ride itself. Well, pedaling as hard as I could, couldn’t keep up with things. And a few years later, we had to file bankruptcy.

It was my debt plus his school loans plus then he had several—there were some medical things going on, some surgeries and such, and I just couldn’t pull it all together. Little did I realize that it was because of my energetic frequency, I was actually very repellent to people. I was speaking confidence. I was saying all the right things. If someone would ask me how things are going, I was trained to say, “Great and getting better.” Which is that element of fine—

Lori: That’s not even fine.

Susan: That’s even whoa, over the top. I felt like a split personality, honestly. It was really challenging and a huge stress, pressure to perform. I didn’t calculate that newness element of figuring out things. Even though I had mentors and then I also did hire coaches, it does take some time to adjust to being an entrepreneur and doing all the things and wearing all the hats and worrying about all the things and all the details and all the follow up, ad nauseam. I love everything about that, I do. It was how quickly could I get to be good at it.

Lori: You said in our pre-show interview, your husband didn’t know, right? He didn’t know.

Susan: He didn’t know because I was managing all the finances. Because of my debt situation initially, we always kept our money separate because I didn’t want him to be sharing that load. That was mine that I created. Again, ego. Mine that I created and mine to take care of. Don’t worry, Susan will handle it. Well, Susan would have been able to handle it if she had been creating the income earlier. But in my first year, in addition to the other challenges, I had all of the negative things that people in my career, in the financial practice career experience, in the first 10 years, I had it all collapsed into one year.

Lori: You like to go hard so let’s just do it in one year.

nteresting thing there was in:

her thing is in the summer of:

ateful any of those days from:

Lori: You have to be at that frequency. I was just talking to Tara Gooch. She’s going to be a guest on the show in an upcoming episode. But we had lunch yesterday. We’ve never met in person, so it was fun. We were talking about energetic frequencies because she talks a lot about gratitude, as do I, and how gratitude and love are the—I mean, they’re equivalent. They’re essentially the same. If you’re living in gratitude, you’re living in that love frequency.

on the scale of zero to:

Lori: What? Really?

Susan: Christy Marie Sheldon teaches love or above. Love, actually, is not. Gratitude is the highest vibrational frequency we as humans can physically embody. I know. It’s fascinating.

Lori: It’s crazy. I never heard that before. Thank you for sharing that. Because I always thought of them as equivalent. And I haven’t read that book yet. I need to. I’ve heard of it a thousand times, but I haven’t picked it up yet.

Susan: I can give you the short version. There is a way to calibrate the frequency of any state of consciousness and it’s through muscle testing or kinesthesiology, and that’s how he does it. I heard of this book through Christy Marie Sheldon when I went through her program, Love or Above, and then read that book. Then some years later, a couple of years later, my, one of my coaches said, “I have a book for you to read.” And when I read it, I said, “Oh my goodness, I’ve read this before.” But two years later, I was a totally different person so it hit me differently. That actually spurred me. As I was reading it, I said, “This is exactly how money energy works. Therefore, there have to be levels of money consciousness.” That’s where I derived my money realities.

Lori: Wow. Okay. Cool. The fact that this book is coming up again is I’m going to have to add it—I’ve already got three books going right now, which I don’t like reading one at a time.

Susan: So here’s a tip. Because every so often, you just need the cliff notes so that you can kind of catch up. If the universe is giving you multiple messages to read the same book or books and you’ve got now a pile and it’s starting to stress you out, you can use ChatGPT or any AI to do is give you a summary of the book, and then go deeper into the tenets if you want to. I know. That’s my favorite way to use AI right now.

Lori: I love it. Because everybody’s talking about AI, but like, “How do I use it?” This is a great way to use it. I love that. I love that.

I was just looking at our notes from what we talked about. I wanted to ask you. Because you mentioned a couple of times about being raised with the value that hard work is success and that you have employed the whole idea and I’ve done it myself. Like, “What I’m doing isn’t working. Let me do more of it. Let me work harder.” What’s your belief now? Do you think that hard work is the key to success?

Susan: That’s a great question and thank you for asking it. There are two ways to create money. One is middle-class mindset or what I call ego earning. Like I mentioned, there was a lot of ego in my world prior. That’s just how we’re raised usually by well-intentioned people. But that’s more for survival, not for thrival. So if you want to move into the surplus and overflow of money creation, that happens when you release that middle-class mindset, which is the land of three plus three plus three like, “To have more money, I’ve got to work harder longer or I’ve got to exchange my time for money,” or “To build wealth, I have to add...” It’s like a summation game. “I have to add to my bank account, my retirement, my whatever.” You want to ditch that and move into what I call exponential receiving. Even the vibration of the words is different.

That’s where you step into exchanging your highest level value for the money. It’s your value for the money, not time. It’s not time-based. That opens you up into the higher—if I will, “higher” levels of the money realities. There’s five, loving money. There’s six and seven, there’s a lot of joy and gratitude in the upper levels. Peak money consciousness is in level seven. You start stepping into really focusing on your purpose and the money just follows.


Lori: Okay. Now you just mentioned something that I have to ask you another question about, the loving of money. Because there is a misinterpretation of that phrase that the love—what is it? Evil is the love of money?

Susan: The level is called loving money. Not loving of money, but loving money. I’m not talking about the love of money, I’m talking about loving money for what it enables us to be, do, and have. I interviewed 150 women recently for a book from my financial practice. Stay tuned, it’s coming out. It’s called Own Your Financial Story, by the way, in case you want to look it up any time after the publication. A lot of women told me what’s important to them about money is financial security. But financial security with money is one of the lower levels of money. When you get into the higher levels, now it’s about making a difference in the world. It’s about being charitable. It’s about supporting those causes that you believe in or starting your own cause or community or making whatever that impact is. But you can’t chase impact over income. You have to be able to make it about the money first in order to reverse engineer into what level of value do I need to exchange for that level of money that I want. That usually starts occurring around that level five of money of loving money. Because you step into compassion and empathy. It’s a different state of consciousness when it comes. You bless your money in and out. You bless your wallet, your mailbox, or wherever the money is coming up, your PayPal account, your Venmo account, whatever. Blessing is a very high vibe. When you bless something or someone, you’re elevating not only your own frequency, but also the other person. Imagine blessing all your money, now you’re elevating not only your frequency and receptivity, but money’s frequency in your space. So now you’re attracting more money to you just by that blessing.

Lori: I love that. Okay. This is your first book, is it?

. That’s the one I wrote in:

Lori: Cool. I will get links to those when you publish them. We can come back and stick them in the show notes if they publish after we publish this. I can put links to the book that is already published in the show notes as well. Or like what you said, we can just send them to your website.

Susan: Cool.

Lori: This has been so interesting. It’s such a good conversation. Thank you so much.

Susan: You’re welcome.

Lori: Before we go, I need to know what’s your hype song?

Susan: Soak Up the Sun by Sheryl Crow.

Lori: That’s such a good one. That’s so funny. I haven’t listened to Sheryl Crow in a really long time and I had it on yesterday when I was working. And here you show up saying Soak Up the Sun is your song. And it’s been starting to get sunny, too.

Susan: I know. Can’t wait. This has been so fun. Thank you so much.

Lori: All right. Last question before we go. What is your website and how can people reach you if they want to find you? I will put the links in the show notes but just so you can mention it in case someone’s not looking at show notes.

Susan: Will do. It’s Susan, S-U-S-A-N, Glusica, G-L-U, like glue without the E, And you can go there and all my links are in there.

Susan: Excellent. Easy enough. Well, thank you so much for joining me today on FINE Is a 4-Letter Word. Give a hug to that little cute ball of fur.

Susan: She’s sleeping in my lap right now.

Lori: She’s finally fallen asleep.

Susan: Thanks, Lori.




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