Shownotes
What if financial freedom isn’t about grinding harder… but about making peace with money?
In this episode of the You World Order Showcase Podcast, I’m joined by Nancy Benet—licensed CPA, entrepreneur, and CEO of Fix-It Accounting and Success Your Way. Nancy shares her powerful journey from $650,000 in debt, four kids to support, and no job… to rebuilding her life and creating a steady, aligned flow of income.
We talk about why “big money wins” often disappear fast, how gratitude shifts your vibration from lack to abundance, and the simple steps that help you stop avoiding your finances and start moving forward with clarity.
You’ll also hear Nancy’s practical (and surprisingly spiritual) four-step process for transforming your money story:
Set your intention → Manage your state → Take baby steps → Release the outcome.
If you’re a coach, spiritual entrepreneur, or small business owner who wants more income without anxiety, shame, or hustle—this one will hit home.
Resources mentioned:
📘 Tame Your Money Monster: How to Stop Fighting and Find Financial Peace (Nancy Benet) — available on Amazon (this is an affiliate link on Amazon - I receive a small commission for sharing at no extra cost to you) and at SuccessYourWay.com
Want premium clients from your content?
Grab a free Client Acquisition Audit and I’ll show you exactly where your message, offer, and CTA are leaking conversions—and the 3 fixes to turn your podcast/Substack into a client pipeline.
👉 Book here: https://coachsalchemist.com
This podcast uses the following third-party services for analysis:
Podtrac - https://analytics.podtrac.com/privacy-policy-gdrp
Transcripts
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Jill Hart-The Coach's Alchemist: She went from over $650,000 in debt, 4 kids to support and no job, to building 2 and
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Jill Hart-The Coach's Alchemist: Apparently, now it's 7 thriving businesses and writing a book about making peace with money. But here's the part most people don't talk about. It wasn't hustle that changed your life.
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Jill Hart-The Coach's Alchemist: It was the moment she stopped fighting her money. Today, we're unpacking how she did it, and how you can stop battling your finances and start building a business you actually love.
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Jill Hart-The Coach's Alchemist: Hi, and welcome to the You World Order Showcase Podcast, where we feature life health transformational coaches and spiritual entrepreneurs stepping up to be the change they seek in the world. I'm your host, Jill Hart, The Coaches Alchemist, on a mission to empower coaches and entrepreneurs to amplify their voice, monetize their mission, and get visible.
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Jill Hart-The Coach's Alchemist: If you're ready to start attracting premium clients without chasing algorithms or hunting people down like a banshee on a mission, head on over to Coachesalchemist.com and schedule your free client acquisition audit. It's the first step to building a business where your clients seek you out, rather than you having to hunt them down.
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Jill Hart-The Coach's Alchemist: Today, we are chatting with Nancy Binet. Nancy is a licensed CPA, entrepreneur, and CEO of Fix-It Accounting and Success Your Way. After rebuilding her life from massive debt, she now helps women create businesses aligned with their desires while developing a healthier relationship with money.
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Jill Hart-The Coach's Alchemist: Welcome to the show, Nancy.
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Nancy Benet: Thank you, Jill. I'm so happy to be here.
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Jill Hart-The Coach's Alchemist: Okay, so let's get us started with the big question, which is, what's the most significant thing, in your opinion, as individuals we can do to make an impact on how the world is going?
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Nancy Benet: It's actually quite simple. I think that that answer would be to live in gratitude.
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Nancy Benet: Because when we live in gratitude, we raise our vibrations, and that raises the collective vibration. And I think that would be the most important thing. It's actually the most important thing that I've done in my own life to change my situation. And when we do that, we see…
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Nancy Benet: Abundance rather than lack everywhere we look.
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Jill Hart-The Coach's Alchemist: That is so true. I… I have another friend who has a community around magic.
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Jill Hart-The Coach's Alchemist: And magic is kind of the same way. If you're looking for magic, you're gonna find it. But if you're sure it doesn't exist.
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Jill Hart-The Coach's Alchemist: Man, that must be a really… Sad world to live in.
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Nancy Benet: I agree with you.
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Jill Hart-The Coach's Alchemist: And I think money is kind of like that, too, and gratitude, it's all… they're all about focusing on.
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Nancy Benet: being…
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Jill Hart-The Coach's Alchemist: Being in the experience and the vibration of
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Jill Hart-The Coach's Alchemist: of abundance, rather than… than thinking about all the things you don't have. Well, it's all the things you don't have yet, but it doesn't mean you'll never have them.
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Nancy Benet: And so what do you have?
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Jill Hart-The Coach's Alchemist: Yeah!
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Nancy Benet: what do you have? Let's focus on that, because when you focus on what you do have, then you see… you attract more abundance, and you can get the things that you want. But be happy with what you have, because if you're not happy with that, more abundance will not come, because you won't be happy with that either. There'll always be the next thing that you need.
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Jill Hart-The Coach's Alchemist: What do you think about…
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Jill Hart-The Coach's Alchemist: Money, asking for specific amounts of money, rather than looking for more concrete things that you would do with the money when it comes to, like, manifesting.
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Nancy Benet: Yeah, I think it's much harder to manifest a certain amount of money. People do it, I've seen it, but…
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Nancy Benet: That's more like, oh, I'm looking for a lump sum.
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Nancy Benet: And I believe that abundance is more about a steady flow than a lump sum. I see people in the CPA firm all the time that, you know, maybe they won the lottery, or they inherited money, or whatever. But if they didn't learn how to create that steady stream, that money goes away very quickly.
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Nancy Benet: Especially if they don't have the mindset to handle it. When you develop your own stream.
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Nancy Benet: of revenue, stream of income, then you've learned how to do that, and you're in flow with that sort of thing. You're in alignment with it. But when it's dumped on you, you have no concept of what to do that… do with that. You don't have a base, a foundation for handling it, and so out it goes.
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Nancy Benet: Because your mindset's not right. And I had that problem for a very long time myself, so I know how that feels.
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Jill Hart-The Coach's Alchemist: Yeah, I think we all experience it from time to time in our lives, and it's… It can be…
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Jill Hart-The Coach's Alchemist: Easier to just say, well, I need X number of dollars to solve all my problems.
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Jill Hart-The Coach's Alchemist: But that's really short-sighted.
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Jill Hart-The Coach's Alchemist: We do it, but it's really short-sighted, because it's not going to solve your problems, because different problems are going to show up. Money does not solve problems. Ideas solve problems.
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Nancy Benet: That is so true. But back to the lump sum thing, I… I spent so many years of my life searching for those… those wins, those big wins, and didn't realize that if I could stop doing that, and be more steady.
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Nancy Benet: then life changes, and it gets so much better. Because when there's a steady flow, you don't have to worry about any of it, and you become more creative, you become more of a beautiful soul that you are. It comes out, because you don't have to worry about all those things anymore.
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Jill Hart-The Coach's Alchemist: Yeah, I love that. I love that.
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Jill Hart-The Coach's Alchemist: You lived through financial rock bottom. What was the exact turning point where you decided that your money story had to change?
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Nancy Benet: Yeah, so I had failed at business 5 times, and I wanted to say that because you're… you've got a coaching business, and I love that, because the reason that I failed
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Nancy Benet: with my ex-husband was because we had no coach. We had no mentor, we had nobody helping us, we did not ask for help, we did not know we needed help. We thought, because I have a business degree, that we would be fine. And it's just not true. You need people to help you, somebody that's been there, done that, to guide you
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Nancy Benet: to success, because if you think about it, you know, we spent years trying to build these 5 different businesses. The lost opportunity cost of those years, if we had gotten a coach.
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Nancy Benet: is so giant, it's way more than any coach would have ever charged. So, I highly recommend getting a coach.
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Nancy Benet: Called Jill. But on top of that, you know, I found myself, when I was 45,
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Nancy Benet: I was divorced, I'd finally, like, said, I'm unhappy here, I do not want to do this anymore, and I had felt stuck for decades.
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Nancy Benet: And so, I finally got out of that. I was… I had a job when I got divorced, but that job went away, because my company got sold, and they sent the accounting functions to Colorado. And,
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Nancy Benet: I just woke up one day, and I had 4 children by myself, $100 a week in child support, no job, and $650,000 in debt. This was not good debt, this was bad debt. It was not backed by any of my assets. Some of it was my mother's house.
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Nancy Benet: Which is a bad idea to do to your parent. And I had a spiritual awakening at that time, because I just realized nobody was coming to save me.
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Nancy Benet: I had to save myself.
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Nancy Benet: I was gonna stop waiting for my circumstances to get better, or for somebody to give me a job, or for somebody to… and I quit blaming, too. So I quit waiting, I quit blaming. Okay, here I am, I'm in this mess, I don't have any choices. It was the recession, there were no jobs to fall back on, I just didn't have anything else to do except
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Nancy Benet: Face…
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Nancy Benet: my monster. And my monster was money. And so, I started looking, like, where am I, and what am I gonna do?
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Nancy Benet: And instead of being a victim, I said, you know what? I'm gonna clean this up. And that was, I think, one of the biggest decisions I made.
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Nancy Benet: Just that one thing, that intention, I'm gonna clean this up.
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Nancy Benet: And, like, soon after I made that decision, I got sued. Or my mother did, because it was a mortgage company on her house, got sued, and I was like, ugh, oh my god, what am I gonna do? So I… I had to open my mouth.
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Nancy Benet: and tell somebody where I was, which was really hard. I'm a financial professional. You should never end up in a place like that when you know better. But there I was, and I had.
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Jill Hart-The Coach's Alchemist: It's not uncommon.
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Nancy Benet: I know!
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Jill Hart-The Coach's Alchemist: I know lots of financial professionals, and their finances are totally a mess.
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Nancy Benet: But they don't feel like they can tell anybody. And it's not just financial professionals, we all feel that way, because it's so personal, and it's so shameful.
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Nancy Benet: to be there, because you look around you, and everybody else is doing great. Oh my gosh, look at that, look at them, look at them. And you really compare yourself against them, but they're not showing you the real truth of where they are. So in the CPA firm, I have seen hundreds, if not thousands, of people in severe financial distress, and I realized, I'm not alone, you're not alone, none of us are alone. A lot of people are experiencing
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Nancy Benet: this.
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Nancy Benet: And so,
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Nancy Benet: you know, I had to open my mouth, and that was another turning point. I called my friend, she was an attorney, and doing very well, and super cute, and super… like, all the things that you want to be, and I had to call her and go.
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Nancy Benet: Hey, I've got this problem, can you help me?
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Nancy Benet: Oh my god, it was so great. She was incredible. She did not make me feel bad. She's like, yeah, come on, let's fix this. And so we fixed that one. And then, you know, that gave me some confidence to be able to go to the next one, and the next one, and I stopped feeling so shameful about it. I just put that aside, and decided, it doesn't matter, who knows? They don't care about me anyway, I'm just gonna go and
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Nancy Benet: Take baby steps. There were no giant leaps. It took me years to get into that situation. It took me years to get out.
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Jill Hart-The Coach's Alchemist: But I decided that I was gonna do it anyway, and so I just…
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Nancy Benet: kept walking, and dealing with things as they came the best the way that I could, and somehow, you know how it is, when you have a clear intention, doors opened, and things got handled. And pretty soon, you know, I woke up, and I was like, wow, here I am. I'm not in that bad situation anymore.
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Jill Hart-The Coach's Alchemist: That is so powerful, that story. Just the setting the intention.
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Jill Hart-The Coach's Alchemist: getting out of the, I'm a victim of this, and I need rescuing, that… that is a place that a lot of people find themselves, especially people when they're… they're getting out of bad relationships. It's… and it can be business partners, not just, like.
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Jill Hart-The Coach's Alchemist: marriage partners, there's…
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Jill Hart-The Coach's Alchemist: there's lots of ways that we end up in situations that we end up in, but it's just… you're just there now. You don't have to live there.
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Jill Hart-The Coach's Alchemist: And a lot of times, people just set up camp, and…
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Jill Hart-The Coach's Alchemist: Stew around in the, oh, this is terrible, and it just keeps getting worse and worse and worse.
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Jill Hart-The Coach's Alchemist: Because that's all you're focused on.
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Nancy Benet: Yeah, and they feel powerless and feel stuck. And I was there for a very long time until I changed my attitude. Like, I changed my way of thinking. I'm not going to be stuck here anymore. I'm done.
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Nancy Benet: When… that's when I got out of my marriage, and you know, and I think a lot of people wake up, that's a time of life, and we used to call it a midlife crisis, and now I call it a midlife awakening, because that's when we look around and go, this isn't really what I signed up for, I don't like it very much, and I want to change it, and now I'm ready. I'm gonna change it.
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Jill Hart-The Coach's Alchemist: And you don't have to just stop with one change. You can change anytime you feel like it. It's like…
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Jill Hart-The Coach's Alchemist: didn't like the results you got from that decision, make a different decision! There's no law against it.
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Nancy Benet: Yeah, but I think we're afraid of offending other people. We've been programmed with messages from our families and from our cultures.
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Nancy Benet: that you have to do things a certain way, and in our religions, undoing all that is difficult. But it really just takes…
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Nancy Benet: getting a new perspective. And really, if you think about it, you know, our perspective is straightforward. If we just shift a teeny bit this way, it gives you a whole new picture.
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Nancy Benet: And so I think that's all we need to do, is little bitty shifts.
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Nancy Benet: And opening our minds a little bit to something that maybe we didn't know or didn't understand. Because there's a… you know a very small fraction of what there is to know, and just if you can understand that and really realize there's way more out there for you.
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Nancy Benet: Than what you've seen.
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Jill Hart-The Coach's Alchemist: And being open and curious and kind.
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Nancy Benet: Yeah.
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Jill Hart-The Coach's Alchemist: Those… those three things really help you to…
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Jill Hart-The Coach's Alchemist: have opportunities show up, and you don't have to take them all, but at least you get exposed to different ideas and thoughts, and they could trigger something in you, like, I introduced you to the idea of getting a substack.
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Nancy Benet: Yes, you did. Thank you.
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Jill Hart-The Coach's Alchemist: I introduce a lot of people to that concept. Most people, when they first go to Substack, they're like, oh my cow, this is so confusing. They close it up, and they never go back.
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Jill Hart-The Coach's Alchemist: That is the truth. But it doesn't have to be that way, because we have community. So, you could come into community and explore it.
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Jill Hart-The Coach's Alchemist: And it's kind of like what you were talking about with,
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Jill Hart-The Coach's Alchemist: with your, when you finally were able to talk to somebody about the situation you were in, it's really hard to do things by ourselves. That's why we need coaches, and we need communities, and we need other people to come alongside us and say, I've been there too.
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Jill Hart-The Coach's Alchemist: I know what you're going through, or what you were going through at that point. I see that you're doing this, and that… isn't that interesting?
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Jill Hart-The Coach's Alchemist: That it's wrong, it's right, just isn't that interesting? And have you thought of…
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Jill Hart-The Coach's Alchemist: Maybe this will work, maybe this won't work for you.
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Jill Hart-The Coach's Alchemist: But you get…
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Jill Hart-The Coach's Alchemist: You get the brain juices flowing with a bunch of people there to support each other, which…
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Jill Hart-The Coach's Alchemist: brings me to the question, how do youth work with people? Is it one-on-one? Is it in groups?
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Jill Hart-The Coach's Alchemist: How does all that look?
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Nancy Benet: I do some one-on-one with clients, but very little, because that's limited, and so how I do it is create online classes, because I feel like
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Nancy Benet: in the CPA firm, particularly, I was saying the same things over and over and over again to new business owners, because they don't know what they don't know, and they come to me, and I'm, okay, here's…
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Nancy Benet: first of all, get your mindset right. That's our first class. Second of all, here's how you set up a business the right way, so that you're not going to have problems later. It allows your CPA to, you know, get the best tax benefit for you, and so we put those into a class format that's downloadable. It's online classes, so I don't have to be there because I can reach so many more people.
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Nancy Benet: Because I'm 60 years old now, and I feel like it's really time
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Nancy Benet: to give back, and to do something that will help more people, because I've just got this incredible wealth of experience and knowledge from sitting in this chair in the CPA firm, just watching other people, let alone all I went through. And so, I think that it's a valuable… there's a need out there, and there's a lot of,
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Nancy Benet: information out there, but not much that comes from CPAs, because we're down in the trenches. We're there seeing these little small business owners every day.
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Nancy Benet: And what's going on with them, and what's the best way, and, you know, it's easy for somebody with an executive MBA to say, oh, you should do this, but big business is different than small business. It's very different.
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Nancy Benet: And so, we're doing… we're just small business here. We're… that's all we do. And so… and the owners, so small business taxation along with their owners, because all small businesses flow through.
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Nancy Benet: And it's taxed at the ownership level, at the individual level. So, I feel like that it's my time to be able to help a lot more small business owners, and that's the whole point here. But you can't be a small business owner until you get your finances right
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Nancy Benet: Because if you have money problems, they're going to be exacerbated by business ownership.
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Jill Hart-The Coach's Alchemist: yeah.
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Jill Hart-The Coach's Alchemist: Yes, it is, and I love the fact that you were, and still are, an entrepreneur, and you had different businesses along the way, so you really do…
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Jill Hart-The Coach's Alchemist: understand what it is to be a small business, and by small business, I mean, like, less than 5 people.
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Jill Hart-The Coach's Alchemist: Yeah. You know, you could be a solopreneur, and…
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Jill Hart-The Coach's Alchemist: If you get your finances going right.
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Jill Hart-The Coach's Alchemist: Could be a business.
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Nancy Benet: Well, we… and we still want you set up correctly in a sole member LLC, because that allows… if you make a lot of money.
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Nancy Benet: That allows us the option to make an election to be taxed as an S corporation. So you don't have to switch entity types, you can start as a sole member LLC, which is the most simple form of business, but if you don't have that LLC, we don't have that option later, after your… when we're doing your tax return later. And so I really try to reiterate that and tell small business owners, please go into a small… a sole member LLC. That is your best bet.
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Nancy Benet: Not multi-member, sole member, one member, because then it's very, very simple, and it just goes as an extra schedule on your… on your individual income.
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Jill Hart-The Coach's Alchemist: Personal taxes, yeah.
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Nancy Benet: Yeah.
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Jill Hart-The Coach's Alchemist: like… So much easier. Okay, I have to ask you this question, because I've been, like.
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Jill Hart-The Coach's Alchemist: I'm starting a new movement.
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Jill Hart-The Coach's Alchemist: You're in the US, right?
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Nancy Benet: Yes.
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Jill Hart-The Coach's Alchemist: Don't you think that the government should come up with a balance sheet and an income statement every month with the backing… the supporting documents to back it up, and post it somewhere where we, the general public, who
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Jill Hart-The Coach's Alchemist: Are supporting this endeavor?
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Jill Hart-The Coach's Alchemist: could see what's going on with the money that we're giving them. Don't you think that would be, like.
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Nancy Benet: I definitely think it should be put out there, and I definitely think it should be balanced. Nobody can operate at a deficit for any length of time. We can't. Small business can't. Big business can't, nobody can, except the government.
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Jill Hart-The Coach's Alchemist: Well, it's killing the small businesses.
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Nancy Benet: Yeah.
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Jill Hart-The Coach's Alchemist: And the big businesses, really. I mean…
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Jill Hart-The Coach's Alchemist: to the extent that they're not, and I… I personally think that they are, sucking money out of the… the government as it's being printed, it's just like…
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Jill Hart-The Coach's Alchemist: The whole system makes me mad, now that we're in tax season.
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Nancy Benet: Yeah, and I see a lot of waste. We deal with the IRS all day, every day. I've got one person, that's what she does. She's IRS resolution, and the waste in that one government agency is incredible, incredible.
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Nancy Benet: And I just watch it, and I've got, one of my employees also works at the county here, and I just…
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Nancy Benet: listen to his stories, and I'm like, wow, it's such a waste. But I don't know how to fix it, so I really try to put my blinders on and not get upset about it, because I have things I can do.
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Nancy Benet: Anyway, so I just… I ignore… I, like, really ignore the rest of the world and do everything I can do in my little corner, because I've got this little bitty place here, and if I can do something that helps other people, I want to do that without, like… because I can't.
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Nancy Benet: If… impact any of this?
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Jill Hart-The Coach's Alchemist: But you are impacting all of that, just by virtue of the fact that you're helping
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Jill Hart-The Coach's Alchemist: one business owner at a time, get their finances straightened out. And if we can help the individuals understand, and the small businesses understand how finance works, because that's also another part of the problem. People don't understand how money works.
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Nancy Benet: Yeah.
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Jill Hart-The Coach's Alchemist: Or how banking works, or… Why a government can function at deficits?
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Jill Hart-The Coach's Alchemist: Just kind of crazy, but there… there are mechanisms in there that allow these things to happen.
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Jill Hart-The Coach's Alchemist: For a period of time.
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Jill Hart-The Coach's Alchemist: Everybody sees the consequences.
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Jill Hart-The Coach's Alchemist: So yeah. But just helping individuals
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Jill Hart-The Coach's Alchemist: with that, it will ripple out. It…
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Jill Hart-The Coach's Alchemist: You gotta start very small, grassroots.
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Jill Hart-The Coach's Alchemist: But that's why I have to put that out there, because it's like…
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Nancy Benet: I definitely want to do my part.
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Jill Hart-The Coach's Alchemist: Putting the pressure on.
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Nancy Benet: But yeah, you're right, small business owners don't necessarily… they don't understand how business works. They don't understand income statement or balance sheet, they don't understand, cash flow, and they don't understand if you take all the money out of your business to have a lavish lifestyle, that you are robbing it of its vitality.
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Nancy Benet: And so, I really highly suggest, you know, living below your means, leaving your money in the business so you can use that money to grow your business, because it does take money, and it's hard to get finance, especially when you're a small business. If your finance is going to be with your own credit score, your business doesn't have credit.
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Nancy Benet: And even when you do have business, a big enough business to have credit, you know, you want to use that wisely. Don't just, like, get that and then spend it on the individual side. You know, you want to use that to grow, because it does take money.
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Nancy Benet: And I think there's so much misconception there, and even about taxes, like, people have these attitudes, they don't want to pay tax.
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Nancy Benet: And I get that. I want you to pay the least amount of tax necessary. But they'll go buy expensive cars, whatever, that they feel like they can deduct to reduce their tax bill, but they're paying 100% for the vehicle, and it saves them, you know.
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Nancy Benet: 20% of that, maybe. And so they're… they're out 80%. And I… I just don't understand that mindset, except that it's been instilled in us. People say, don't pay tax, don't pay tax, it's so expensive to pay tax. I don't want to make more money, because I'll have to pay more tax. My goal is to pay more tax every year, because that means my income went up.
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Nancy Benet: the income that I.
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Jill Hart-The Coach's Alchemist: Manage of your income.
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Nancy Benet: percentage of your income, yes.
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Jill Hart-The Coach's Alchemist: And it's…
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Jill Hart-The Coach's Alchemist: from what I understand, it's tiered. So, you know, you may be paying this great amount, but it's from the…
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Jill Hart-The Coach's Alchemist: The base level of… you're paying a lower amount to here, and then you're gonna pay the higher amount.
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Jill Hart-The Coach's Alchemist: From here up, it's not like…
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Nancy Benet: It all goes back to the higher amount when you go… Yeah. People have a misconception about that. It's… that's not true.
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Jill Hart-The Coach's Alchemist: Nobody learns about taxes.
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Nancy Benet: No.
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Jill Hart-The Coach's Alchemist: We're all expected to pay them. We're all…
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Jill Hart-The Coach's Alchemist: Told, oh, you should try to pay no taxes, well…
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Jill Hart-The Coach's Alchemist: that's not good advice either, because then the country can't run. And…
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Jill Hart-The Coach's Alchemist: And yet, we don't know how they work. We're just afraid of the IRS, and I've dealt with the IRS a lot over my lifetime. I was a bookkeeper, and I have done my own books for my whole life. I've always been an entrepreneur, and
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Jill Hart-The Coach's Alchemist: It's just like… you… you become… you develop a relationship with the IRS. You also have accountants on staff.
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Jill Hart-The Coach's Alchemist: So that, you know, you're… you're… there's a level… a layer between you.
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Jill Hart-The Coach's Alchemist: And the IRS, you never talk directly to the IRS, you talk through your accountant to the IRS, so that you don't get into trouble. It's like buying and selling.
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Nancy Benet: It's a better way, it's a better way. Anything you can say to them can and will be used against you.
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Jill Hart-The Coach's Alchemist: Yeah, it just… it's gonna get you in trouble, so it's better to, like.
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Jill Hart-The Coach's Alchemist: filter your ideas through them first. Yeah.
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Jill Hart-The Coach's Alchemist: So, it… but… But you can talk to the IRS through your accountant, but…
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Jill Hart-The Coach's Alchemist: It's not like if you try to approach them, you're suddenly gonna end up in jail.
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Jill Hart-The Coach's Alchemist: Which I think.
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Nancy Benet: Oh, no, it doesn't go that way at all. It's not that way at all. And people are very afraid of the IRS, but honestly, the IRS is way easier to deal with than the state taxing authorities. The states are a lot worse. The IRS, I find, is understaffed, and you know, a lot of times they don't care, they just want your file off their desk.
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Jill Hart-The Coach's Alchemist: And so, you know, we… and we know how to communicate with them. It's… for us, it's like…
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Nancy Benet: something we do all the time, so, we understand their systems and things like that, but it's not as bad as what people think. The only people that really get in a lot of trouble with the IRS are ones that are,
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Nancy Benet: deliberately defrauding the government, and I don't ever suggest you do that.
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Jill Hart-The Coach's Alchemist: Yeah, it's not a good idea.
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Jill Hart-The Coach's Alchemist: Pay your damn taxes, your payroll taxes, because they will come after you for those.
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Jill Hart-The Coach's Alchemist: And they will shut you down.
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Nancy Benet: They will. You had that experience? Ugh, or you heard about that? I didn't.
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Jill Hart-The Coach's Alchemist: I caused,
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Jill Hart-The Coach's Alchemist: A comp… is it not a company, but it was a… it was a family who owned a lot of businesses in our town.
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Jill Hart-The Coach's Alchemist: And they, they screwed up… my sons work for them, both of my sons work for them, and they screwed up the social security numbers on them, so they had applied income to the wrong social security number.
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Nancy Benet: All it would require is for them to just.
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Jill Hart-The Coach's Alchemist: File a revised W-2.
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Nancy Benet: W2. I mean, like…
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Jill Hart-The Coach's Alchemist: 10 minutes of a bookkeeper's time. And I… I knew the bookkeeper, and I told her about it, and she blew me off. So, a little bit… because the IRS, I'm trying to file their taxes for them, and so, and the IRS is like, you know.
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Jill Hart-The Coach's Alchemist: you can't just switch those over, because… and it was pushing my other son into having to owe taxes, and the other son, it wasn't making any effect on him, so I had to get it fixed. And so I go in and I talk to her boss, who's one of the owner's sons, and
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Jill Hart-The Coach's Alchemist: And he was really belligerent with me, one of those kind of people that are just like, I know more than you, and he's tall and big, and he's, like, in my space, staring down at me. It's like, it's tax season, and I can't be bothered with this, and I'm like, okay, fine.
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Jill Hart-The Coach's Alchemist: And I went home, and I wrote the IRS a letter and explained exactly what was happening, and suggested that they go to this company and figure out why they wouldn't, give me a better, or give me a new W-2.
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Jill Hart-The Coach's Alchemist: And I CC'd him on it, and I took the letter back to him, and gave it to him, and they weren't paying their payroll taxes.
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Nancy Benet: Whew! Yeah, that causes what's, called Trust Fund Penalty Assessment. Trust Fund Penalty.
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Jill Hart-The Coach's Alchemist: led to Mexico.
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Nancy Benet: investment.
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Nancy Benet: Oh!
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Jill Hart-The Coach's Alchemist: I mean, it was bad.
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Nancy Benet: Yeah. That doesn't happen very often anymore, thank goodness, because most people do their payroll through payroll service that pulls the tax at the same time as they pull the wages, and yeah.
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Jill Hart-The Coach's Alchemist: them and pays them for you. We still see some, though.
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Jill Hart-The Coach's Alchemist: Yeah, it's always a good idea if you have employees to have… again, it's just like these layers in there that helps you to do things the way that they should be done, so that you don't have to understand everything has to be done.
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Jill Hart-The Coach's Alchemist: After I did.
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Nancy Benet: Yes.
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Jill Hart-The Coach's Alchemist: 2.
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Nancy Benet: That's exactly right. But that's the part about having a coach or, you know, seeing your CPA about the tax situation and the payroll, and getting advice, because if you can ask for advice first, rather than trying to fix it later, it's way less expensive for you.
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Jill Hart-The Coach's Alchemist: Yeah, you may pay, you know, several thousand dollars.
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Jill Hart-The Coach's Alchemist: in taxes, Or you could pay, like, tens of thousands of dollars in problems later.
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Nancy Benet: I've got a guy now that hasn't filed his tax returns, and he has a business in many years, and we're filing, and one of the years he owes
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Nancy Benet: just in tax, $193,000. Well, he spent all the money, and with the penalties on that, it's gonna be, you know, that'll double really quickly, you know.
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Nancy Benet: I don't know what to tell him, but you… you have to pay your tax. Don't get in that situation. We can put him in an installment agreement, but he's still gonna have to pay it back.
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Jill Hart-The Coach's Alchemist: Gap!
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Jill Hart-The Coach's Alchemist: Because even though you think it's your money, really, it's not.
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Nancy Benet: Yeah.
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Jill Hart-The Coach's Alchemist: Surprise!
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Jill Hart-The Coach's Alchemist: And you have a book that you put out that I'm really excited about.
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Jill Hart-The Coach's Alchemist: Because I think it would help homeschoolers, even.
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Nancy Benet: Yeah, I've actually been asked to write homeschool curriculum for, managing your money.
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Jill Hart-The Coach's Alchemist: They can love that.
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Nancy Benet: Yeah, and I think there's so much we could do with this. It's really kind of based on my story, but more like my daughter's. She showed up on my… at my office one day. She was working here, but she came in my private office and sat down on the other side of the desk and started
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Nancy Benet: bawling her eyes out, and I was like, honey, what's wrong?
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Nancy Benet: oh my gosh, my heart's pounding, I'm like, what's going on? She's like, it's the end of the world.
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Nancy Benet: And I finally got it out of her that she had run up her credit cards, and she was in so much debt that she didn't feel like she would ever, ever, ever be able to get out of it. I guess she forgot that I had had $650,000 and 4 kids, but she was so distraught, and it was really, really sad for her. I felt very bad, but
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Nancy Benet: I had tools to help her, and so I said, okay, I'm not gonna bail you out, because that will not be helpful to you. I'm… instead of giving you fish, I'm basically, I'm gonna teach you how to fish, because you need to know this, because you don't want to ever get in this situation again.
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Nancy Benet: And so, we sat down, she opened her
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Nancy Benet: mouth, basically, but she opened her, this is what I owe, okay? I've got all this, all this, here's my income, here's what I owe, and we made a plan for her to pay it back. But the opening, the talking to me, the showing me were the first steps
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Nancy Benet: Second step, the intention. The intention of, I'm going to take care of this. She thought with the plan, now she had a handle on it, it looked less scary, the monster shrank a little bit, it looked less scary, okay, maybe I can do this in 2 years.
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Nancy Benet: And so we were like, okay, great, that's a great plan for 2 years, you start working the plan. And she did, because the next step is start, you know, working, start
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Nancy Benet: walking your path. Do the things that you need to do to solve this problem in baby steps, not giant leaps, just baby steps. And she did.
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Nancy Benet: And she's like, this gets easier, and she just got into her routine of… she stopped spending, and she started doing, like, other things to make money, and doors opened for her. More other things came.
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Nancy Benet: Besides her salary at Fix It Accounting. And, she had that… that gone in, like, 90 days.
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Nancy Benet: It was a crazy… it was crazy! Like, just because of the intention, and…
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Nancy Benet: managing her state, too. I have actually a four-step process for how this works. And the first one is, you know, set your intention, manage your state, take baby steps, and then
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Nancy Benet: Release outcome. Don't keep looking at it. Don't keep… why don't I have that yet? Don't keep after it. Just, like, let it go. Okay, I'm gonna get there. I'm just gonna keep taking my steps. Don't worry about it. Release it.
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Nancy Benet: And it works, like, every time. But you've got to have that clear intention, the clear intention to open your mouth.
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Nancy Benet: Manage your state with gratitude. That's how I do mine, anyway. I mean, you can do meditation, you can do yoga, you can do all these things. I just live my life in gratitude every single day, and that keeps me very…
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Nancy Benet: Calm.
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Nancy Benet: And I believe that life happens for me instead of to me.
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Nancy Benet: And so that's where the story came from, and it's a woman named Edie, and she is just…
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Nancy Benet: in all this debt, and she's been avoiding it, and hiding it, and pretending like it's not there, and she eventually just drowned in it and had to figure it out. And it's a really fun little story. It's probably, like, a 30-minute read. It's very short, because
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Nancy Benet: like I told you earlier, people who have that financial burden, that emotional burden, can't understand a thick book. They can't even look at that and say, I'm gonna read this and fix my problem.
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Nancy Benet: They need something more simple. Because it's not complicated. It's just very simple. It's meeting it head on.
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Nancy Benet: And so, I encourage whoever is having financial problems to really approach it that way, instead of, I've got to make this budget for… and I've gotta, I've gotta, I've gotta. It just… relax.
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Nancy Benet: And have some intention. Relax.
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Nancy Benet: Calm down.
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Nancy Benet: Because it'll be okay. You can do this. And as you take steps toward it, it increases your confidence.
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Nancy Benet: And it's a beautiful, beautiful state to be in.
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Jill Hart-The Coach's Alchemist: I love that so much. It is so important.
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Jill Hart-The Coach's Alchemist: the… The amount of good feeling that you have about yourself to overcome something. These situations that we
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Jill Hart-The Coach's Alchemist: We all find ourselves in these situations periodically through life. I mean, just, like, how life goes.
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Jill Hart-The Coach's Alchemist: And… Just to… to be able to slay that dragon, I was like… Especially as women.
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Jill Hart-The Coach's Alchemist: Because for so many years, centuries, millennia.
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Jill Hart-The Coach's Alchemist: women were like, you know, no, no, we'll just take care of you, you should never have to worry about these things. Not that they didn't find themselves in situations where they did have to worry about them, but we're never taught how to deal with these things, how to manage our money, how to manage estates.
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Jill Hart-The Coach's Alchemist: There are women who make really good money, who… haven't…
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Jill Hart-The Coach's Alchemist: Figured out how to create trusts, or how to pass their, their legacy onto…
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Jill Hart-The Coach's Alchemist: whoever they want to pass it on to, whether it's their kids, or a foundation, or whatever. I mean.
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Jill Hart-The Coach's Alchemist: We just don't learn these things, and we really need to start teaching people about this stuff.
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Nancy Benet: Yeah, we don't see the, urgency of it either, because somehow we all think we're gonna live forever.
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Jill Hart-The Coach's Alchemist: I'm having the experience of… and where you live is really important.
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Jill Hart-The Coach's Alchemist: this, friend of my dad's, he's… his wife just died, and he's a resident of Washington State, where they tax half of your estate when your spouse dies, the state does. So now you've just lost your spouse of
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Jill Hart-The Coach's Alchemist: A million years, and now you have to go out and start analyzing all your investments. You have to go get her car appraised, you have to… any property that you owned together, you have to pay taxes on her half of it.
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Jill Hart-The Coach's Alchemist: It just…
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Nancy Benet: Wow.
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Jill Hart-The Coach's Alchemist: Even in a trust, it's just gross to me.
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Nancy Benet: Yeah.
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Jill Hart-The Coach's Alchemist: I'm not sure what California does, but I'm sure it's something similar, but if you're not, like, mentally prepared for this.
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Jill Hart-The Coach's Alchemist: If you're married, If you have business partners.
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Jill Hart-The Coach's Alchemist: If you're putting stuff in a trust.
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Jill Hart-The Coach's Alchemist: When one of those partners goes.
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Jill Hart-The Coach's Alchemist: All that stuff in Washington is taxable.
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Nancy Benet: Wow. I live in Florida, we don't have state income tax here, but I do know that it's a very big problem in the states that do have the state income tax, and then the estate tax, like what you're talking about. Wow!
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Jill Hart-The Coach's Alchemist: just, like.
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Jill Hart-The Coach's Alchemist: And they just lost this person. I mean, you really want to be thinking about that. They do have 9 months to figure it out.
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Nancy Benet: That's devastating.
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Jill Hart-The Coach's Alchemist: That just, like, I can't believe it. That crushes me more than the idea that his wife just died, honestly. It's like…
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Nancy Benet: Yeah.
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Jill Hart-The Coach's Alchemist: Yeah, let's just basing it a bunch.
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Nancy Benet: Imagine the burden he's living under, having to sell things that he wants to keep to try to pay for that. Wow.
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Nancy Benet: Very sad.
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Jill Hart-The Coach's Alchemist: And then his kids are gonna have to pay it again once he dies.
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Nancy Benet: Yeah, oh, yeah.
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Nancy Benet: I just don't understand.
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Nancy Benet: Bye.
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Jill Hart-The Coach's Alchemist: Just wrong! Wrong, I tell you!
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Jill Hart-The Coach's Alchemist: Not too bad!
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Nancy Benet: The revenue generator for the state is… that's what they do.
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Jill Hart-The Coach's Alchemist: Yeah, that's why people like Gates and Bezos left.
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Nancy Benet: Yeah, absolutely. I think so, because it's… that's a real big problem in those states. That's why everybody's coming to Florida. There's a thousand people moving here a day.
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Jill Hart-The Coach's Alchemist: Yeah.
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Nancy Benet: Yeah.
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Jill Hart-The Coach's Alchemist: born in Florida.
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Jill Hart-The Coach's Alchemist: Is there any…
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Nancy Benet: Anyway, so on the book, I just really wanted to help people
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Nancy Benet: Find their way, because it doesn't have to be so complicated.
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Nancy Benet: And… I don't know, I just… having come out of that myself, I know how it feels to be in that situation, and I know how doing esteemable things, like getting out of that, makes us feel better, and really empowers us as women.
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Nancy Benet: It makes us feel so good to have accomplished something like that. And everything you stack on top of that accomplishment list
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Nancy Benet: makes you feel better about yourself. So if you're not feeling so good, do something that will make you feel good. Do something that gives you self-esteem. Something esteemable.
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Jill Hart-The Coach's Alchemist: Yes, yes. And people can find that book where?
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Nancy Benet: On Amazon.com, and on SuccessYourWay.com. And then we're on all the socials with Success Your Way and Fix It Accounting.
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Jill Hart-The Coach's Alchemist: I love it. And I'll be sure and put those links in the show notes below. Thanks for joining me today, Nancy. This has been a great conversation.
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Nancy Benet: Thanks, Jill. It's so nice to be here and talk to you. You're right up my alley.
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Jill Hart-The Coach's Alchemist: I feel the same way.
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Jill Hart-The Coach's Alchemist: To learn more about Nancy and to get your copy of Tame Your Money Monster, How to Stop Fighting and Find Financial Peace, please visit Success Your Way or the Amazon link that will be in the show notes below. Thanks for tuning in today to the You World Order Showcase Podcast. If you're ready to amplify your voice, monetize your mission, and start attracting premium clients, your next step is simple. Head to thecoachesalchemist.com
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Jill Hart-The Coach's Alchemist: And schedule your free client acquisition audit. Be sure to join us for our next episode as we share what others are doing to raise the global frequency. And remember, change begins with you. You have all the power to change the world. Start today, and get visible.
