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Are you struggling to balance financial success with your overall well-being? I've got just the episode for you.

In this eye-opening episode, we dive deep into the concept of financial wellness and its crucial connection to our overall health and happiness. Krisstina shares her personal journey of nearly losing her life due to stress and overwork, and how this experience shaped her mission to inspire others to achieve both wealth and wellness.

We explore practical strategies for breaking free from the "hamster wheel" of constant financial stress, including understanding Parkinson's Law of Money and creating a healthy margin between income and expenses. Krisstina also offers valuable insights on developing a positive relationship with money and setting meaningful financial goals aligned with your vision of a good life.

Ready to transform your relationship with money and create a life of true abundance? Don't miss this powerful conversation that could change the way you think about wealth and well-being forever. Click play now and take the first step towards financial sovereignty and lasting happiness.

Key Takeaways

3:36 Importance of comprehensive lab work for health

23:26 The "hamster wheel" of chasing more money

35:34 Building wealth through asset income

42:30 Using "money labs" to assess financial health

49:38 Changing your relationship with money

57:54 Parkinson's Law of Money explained

Memorable Quotes

"Financial sovereignty means the freedom to choose. I choose to show up in a baseball cap instead of a Lamborghini, even though I could choose the latter."

"Money is so important. In my case, it literally saved my life. But what's so screwed up about it is we make so much of our life about the money and we're missing the fact that it's not about the money."

"One of the most important life questions we can ask ourselves is twofold: What is a good life? And how much does it cost to live it?"

Resources Mentioned

Falling for Money: How to Have a Lifetime Love Affair with your Finances - https://www.amazon.ca/Falling-Money-Lifetime-Affair-Finances/dp/0692560904

Connect with Krisstina

Website - https://wealthywellthy.life/

Instagram - https://www.instagram.com/krisstinawise

YouTube - https://www.youtube.com/@krisstinawise

Krisstina's Book, Falling For Money - https://www.amazon.com/dp/0692560904/

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Podcast Production & Marketing by FullCast

So when we start looking for more time versus more money, then we can understand that, okay, there's a mechanism, there's a science, a map, there's something we can do that then is going to take us off that hamster wheel so we can get out of what I call this income and expense game. And trying to manage that and being in the hustle and on the hamster wheel to where it's a whole different mindset, skill set and strategy where we're now concerned about building wealth because. Because wealth is freedom. Hello and welcome back to the Wealthy Wealthy Podcast where we explore the intersection of wealth, health and entrepreneurship. I'm Christina Weiss and today I'm sharing my appearance on Dr. Lauren Noel's podcast. The Dr. Lowe Show. Dr. Noel is a naturopathic doctor who focuses on natural medicine, nutrition and mindset. Her podcast aims to provide listeners with doable ways to live happier, healthier lives. In this episode, I share my journey from nearly losing my life in 2013. To becoming a self made multimillionaire and financial wellness expert. This experience taught me the importance of balancing wealth creation with overall well being, a lesson that now forms the core of my teaching. During our conversation, I emphasized the critical connection between financial health and physical health. I introduced the concept of money labs, drawing parallels between financial statements and medical. Lab work to help people understand and improve their financial wellness. Dr. Lowe and I discussed the importance of taking agency over one's finances, just as one would with their health. We explored the idea of creating a good life and understanding how much it costs to live it, encouraging listeners to move beyond the pursuit of more and focus on overall wellness. If you've ever wondered how to break free from financial hamster will, why your expenses always seem to rise to match your income, and how to create true financial wellness that supports your overall health. And happiness, then this episode is for you. Please enjoy my conversation with Dr. Lowe's.

You've tuned into the Dr.Lo show with naturopathic doctor Dr. Lauren.Noel, where you hear the best in natural medicine, nutrition and mindset from the world'S top doctors, authors, influencers and Dr. Lowe herself. Trying just to pop a pill for. A symptom, you've got the wrong exit. Seeking doable ways to live a happier, healthier life and have fun doing it.

Welcome to the Dr. Lowe Show. Hello guys. Thank you so much for joining me for another episode. I'm your host, Dr. Lauren Noel, aka Dr. Lowe. Technically, I'm Dr. Smith. I know I haven't gone through and done all of the official name change. But it's Lauren Ashley Fitzgerald Smith, which means that my initials are laughs L A, F S, which is the coolest thing ever. But I think just for simplicity and I don't know, probably smart marketing, I'm going to keep it as Dr. Lowe, but you may start to hear me drop off Dr. Noel, which is going to be hard because I really do like my last name, but it's my old last name, I should say. Anyway, that was a little rabbit trail. But again, thank you for joining me if you're a new listener, especially welcome if you are a repeat listener. Thanks for being back again with me. And for anyone who has been getting some good value from this podc, would love if you'd press pause and go over and leave me a review. I don't, I feel like I don't ask for it often, but y'all are kind of lazy listeners. I'm just going to call you out. I'm just kidding. Kind of kidding. Like 92% kidding. But it really does help show the podcast higher up in the search engine. So if people are looking up naturopathic medicine or health or whatever. And also I read them and I really and I might start reading them on the air like some highlight ones. I kind of hate when people do that. But I also feel like as a listener I would want to hear mine on the air. But I do read them. And if you have any suggestions, if you have any, you know, questions, anything that you feel like would make the podcast better, you can put that on there. But I am a words of affirmation girl, so if you want to just shower me with love, I would just feel so energized by that. But no pressure. On this podcast we talk about something a little different than my usual content. We talk about the health of wealth. And it's not something I talk about a lot, but I do include personal development kind of content on this podcast. And also, one thing I love about still being a clinician, a doctor who still sees patients in the clinical setting is I still have a strong pulse on what is affecting people's health from a cause perspective. And a lot of times I find with patients that the financial part is often a big burden that's affecting their health. And so it is something I do ask, you know, from 0 to 10, how stressed are you when you take out of the picture, how stressed do you feel like you should be based on where your life is? Just because you have everything lined up, you can still feel a 10 out of 10 stress just based subjectively on how you feel. So just asking yourself honestly about that, how stressed you are, and then just identifying what are some of the main sources of that stress. Financial, I would say probably 50% of the time is one of the top ones for people with patients. So I just try to talk them through that a little bit. I don't really get a whole lot into the financial, but oftentimes I find that them taking care of their health, physical health, it actually helps their financial. Even though it is a ding in the beginning on their finances with doing labs and doing all the supplements and appointments and stuff, in the end it compounds to where they end up actually being more energetic, being able to make more money, just kind of engage more in life, which allows them to make more money. That helps, but they just, it has that compound kind of effect which is really beautiful to see. So in this podcast we talk about ways to kind of check in on the health of your finances. So but I just wanted to talk real quick on this intro about checking in on the health of your own body. Have you yourself had thorough lab work done? Have you had a doctor look at things more from a wider lens, not just like the basic things that your insurance company thinks is important? It's crazy. When I look at what a conventional lab panel is, I cringe. I just look at that and I go, this is like crooked this. Like any doctor that runs this to me, it's a crook because it's a little over the top. But they're just finding the bare minimum of things. And so many things slipped through the cracks with that. So they're really not getting a good picture of where their health is.

So.

So you gotta be able to find someone to work with, whether locally or work with someone like me who's virtual, whatever. Finding someone who resonates with you and who you resonate with also, it has to be kind of a two way street who looks at things from a bigger perspective. Not only like for your thyroid, for example, did you have a full panel done? Like looking at the full thing, not just TSH. Have you had your antibodies done like your anti TPO and anti TG? Were those done? So were you assessed for Hashimoto's 80% of the time if you have an issue with your thyroid, it's due to Hashimoto motives. So was that fully assessed for. I can't tell you how many times I'll see a patient. They've been on the replacement therapy for probably 15, 20, 25 years and they finally come into my practice I run lab work, the full panel, and I find that because they still have raging guard symptoms, even though they're taking medication for it. And sometimes their labs from the conventional doctors, a little better maybe, but their hair is still falling out, they can't lose weight, they're dry as a cracker from head to toe. No sex. Dr. They just feel awful. They like puffy. Anyway, I run the full panel and I'm like, you have raging Hashimoto's, which can't be treated the same way. You have to treat it as an autoimmune condition. So that gets treated the right way. And then they're finally on the right trajectory, which we talk a lot about in this episode, being on a particular trajectory, but they're finally on the right. Think of, like a train track going to a specific location. I love the visual of, like the Emerald City or going on the whatever yellow brick road or yellow brick train track. But, you know, you get back on track and so, but it's important. You got to get the lab work done. You can't just, like, think about, like, your car. Let's say you have to diagnose your car just based on, you know, I don't know what it sounds like or something, or maybe one of the lights on the dash, but you're not actually taking it to a mechanic that really assesses it from a larger scale. So that's important. And are you just taking supplements randomly? Are you just going to a local health food store and having the person in the health department who maybe they have a good level of training, maybe they don't, and they're just recommending supplement? Is it just passing through you? Are you taking the right magnesium form of magnesium? There's like 10 different forms. Is the camp the Amazon collagen powder that you're taking, is it a cure all for your hair loss? Or maybe your hair loss is due to a deficient thyroid or deficient estrogen, or maybe due to a past viral infection or a time of trauma or stress. I mean, you really have to have someone dive into it. So anyway, I work with patients locally in California. I work with them all over the country in the US Via Zoom. It's all virtual, so there's no problem if it's. If you're not local and we run particular labs and I come up with a plan that's specific for you. What are supplements you should take? Which specific ones should you take? Which brands should you take that are tested to be clean, that are tested to be absorbed really well? That have third party lab testing that check them out and make sure that they're legit and they are honest and they're not just claiming things that aren't true. So having all of that figured out for you so you don't have to figure it out and then using lab work to retest it and see that things are improving while monitoring that you're improving, that you're feeling better. I love when people say they feel like themselves again. They can just live their life again. They feel free. In this episode we talk about freedom as being what comes along with getting your the health of your wealth right. But it's also the same with getting your physical health right. You truly do feel free. So anyway, it's a little bit longer of a plug for my practice, but I'm accepting new patients. I'd love to work with anyone who wants some help in this area. You want to call the office and ask for Kate. So best thing for our contact info, just go to our website, Shine Natural Medicine.com and you can just fill out a little thing there. We can email you or you can call us or call you back. So, and you ask for Kate. Kate is the girl who will help you. All right, so with that said, that was quite lengthy, but I just felt like I needed to say a few things. I feel like there's someone who needed to hear that it needs to start taking better care of themselves. I don't say that from a place of shame, but just from a place of encouragement that you know you're valuable and it's time to do this for yourself. So. All right, well, I am going to pivot into the episode of today. I think you're going to really enjoy it and let's do it. I'm so excited to have you and I'm so excited to have my guest who I had the honor of meeting a few months back. And I was so impressed with her. I said I have to have her on to share her expertise and her presence with my audience. I'm excited to finally have this happening. So my guest is Christina Wise and she has made it her life's work to master money. So it's a bit of a different topic today. I know I have a health podcast, but this relates so much to your wellness, actually. You can even replace well with wealth. Your wealthness. I know, kind of corny, but it's true, right? Connecting your financial health with your physical health. I see it all the time within my practice. So I'm excited to dive into this. So she is a self made multimillionaire with the equivalent of at least 2 PhDs of intense study with some of her the business world's most seasoned mentors. In the business world, her training and experience have built proven systems that work in both good and challenging times. After nearly losing her life in 2013 and spending almost half a million dollars to recover, her mission is now to inspire others to build extraordinary wealth and optimal health. Named one of the 100 most influential real estate leaders in the country, she's been featured in USA Today and recognized by Apple and Evernote for her creative leadership with emerging technologies. Christina is an international speaker and award winning author of the Amazon bestseller Falling for Money, A Romance Novel for your bank account, and she may wear athletic clothes and a baseball cap for almost any occasion. But don't let that fool you. Financial sovereignty means the freedom to choose. She chooses to show up in a baseball cap instead of a Lamborghini, even though she could choose a ladder. And you can learn more about how she teaches about this and her money School for Micro Business owners@ sovereignty academy.com so it's a really impressive bio, Christina, but you are very down to earth and humble and that's one of the things I loved about just first meeting you. So thank you for being humble and gracing us with your presence and welcome to the podcast.

Thank you.

Thanks for reading that. That horribly long bio. So anyway, I normally don't read a.

Whole bio, but I was. I just really enjoyed reading it. It was written well and I felt like it had some really good points about it. So tell us a little bit about the losing your life story. Obviously that stood out in your Bio back in 2013. What happened?

Yeah, what precedes that is that a big part of my story is what I just what I call chasing the money. And my entire life and career was about more money, more wealth, more status, more achievement. And it was always in the pursuit of more, what I call the pursuit of more. And I wasn't paying attention to my health. Now what's interesting, it's not like I was overweight. It's not. I mean I was running marathons, I was doing triathlons, I was doing things I thought was healthy. But what I was doing is I was kind of in this pursuit of more, in pursuit of perfection and pushing myself in all categories all the time.

And I thought sleep, lack of sleep.

Was a badge of honor and so on and so forth. And what happened to me is, I mean I thought I was completely healthy until one day I Couldn't get out of bed. And it went on for about nine months of trying to diagnose what was wrong. Now, interestingly enough, Lauren, is that our mutual friend Dr. Anna Kabeca is who diagnosed me after all my hair fell out and after I looked anorexic and after my organs were shutting down and all the things.

And for me, it was.

People always ask me, well, what happened? And it was a perfect storm of so many things. Like, it's not like one thing, but the kind of. The lead domino, I would say was just overstressed. And what happened is, when it started is I was actually, of all things, I was speaking on a platform with about 600 people in the audience. I was the keynote speaker of opening this entire thing. Highlight of my career.

Top leaders in the industry were in the audience.

And while I was giving this keynote.

Speech, I heard this click in my brain, and it took me off my speech for a second, but I got right back into it, and I was high of adrenaline. It was one of my best speeches ever. I had a standing ovation. And, I mean, this was actually the highlight of my career. Like, everything I'd done was for this one moment. All the sacrifices, all the compromises, all of it were for this moment. And I, like, nailed it at this moment. And when I got off the stage, within 24 hours, I was out. Once the adrenaline wore off and I had a tia, which is basically a mini stroke, and that started it, but it was a stress stroke. And from there, it just went back and forth around.

How old were you at this time? You don't have to share specifics. That'd be online.

I was probably 34.

Wow. Crazy to get a TIA at 34.

Yeah. So it was.

That's, like, unheard of.

It's unheard of. It really is unheard of. And then it just was a domino effect from there. My body just basically gave me the finger. And also what came out of that was so much. I mean, there was the physical piece, the TIA was the lead domino, but I was actually breaking down from heavy metal poisoning and just complete adrenal fatigue by that point. Like, everything, you just name it, but what's interesting is I didn't know I was sick because I was so mind. I was just so mind over matter. I was a marathon runner and a triathlete like you. You just. It's mind over matter, everything until something breaks. So that took me on the health journey. But what was interesting that came out of that was this kind of wasn't awareness because it was so obvious. But I learned that my whole life was pursuit of more and I had so much just I already had everything I needed. But I. Yeah, good enough, right? I wasn't good enough. It wasn't good enough. I was always looking for next line, that next rung of the ladder to climb. And so it really taught me that, oh, when my body's not healthy, my business breaks down. Oh, when my body's not healthy, I can't make money. Oh, when my body's not healthy, I Can'T enjoy my kids and my life. And all these beautiful things that I have and I've created. But I've never appreciated because never enough. So that really became the journey of what I teach. Now is the other part of that equation also is that what really saved my life was the fact that I was good with money. I had money, I had assets. And because while I was starting in my professional career and building my businesses and doing all the thing I was doing, I had a really successful business at the time, highly profitable. It did really well financially. But at the same time, I was building my net worth as buying assets. I had a decent amount of cash, owned a lot of real estate. That was my private side. As I was like in my bio.I was really studying business and money and was very intentional about building wealth. And creating this thing called financial freedom. So ironically, that while I was always. In the pursuit of all that, in the pursuit of more, it's actually what saved my life at the same time, because I had the cash and the resources to pay all the bills and do all the things and pay a lot of expensive healthcare and practitioners to try to not only find out what was wrong, but then to get me back to the place of wellness after the fact. So it's this polarity, this really interesting place of realizing like, wow, money is so important. I mean, in my case, it literally saved my life. But what's so screwed up about it is we make so much of our life about the money and we're missing. The fact that it's not about the money. It's actually about what you do. It's all about living well, like being healthy, being healthy spiritually, being healthy mentally. I mean, think of all the mental illness we have today. Just a lot from stress and overwhelm and trauma and stuff. But, you know, our emotional wellness and our physical wellness and our home, all these pieces, that's what the money serves. It's not about more money for the sake of more money is to understand, like this what I say. Is, what's the most important thing? One of the I think one of the most important life questions we can ask ourselves, not the only life question, but one of the most important life questions we can ask ourselves is kind of twofold. Is the first thing is, what is a good life? And to really spend this time, like quiet time, white space, spend a weekend, spend a day. I don't even spend an hour, but really sit down and write out and think about what is a good life.

Like, what is a fully, what is. A full good life? And usually it boils down to a few things, is that we want a healthy body, mind and spirit. Like, we want to be healthy. And any of us listening who've had. Health concerns, we know that when we're unhealthy, when we're sick, when we're diseased, when we're in pain, any type of pain, when we have infertility issues that brings a certain level of pain, whatever. When we're not healthy. One of our things that we want more than anything is we want to be well. When I was sick, I didn't care about anything. I just wanted to get healthy again. So there's that wellness category. And then when we talk about a Good life, usually we want really good relationships. We want a great relationship with a spouse or partner. We want great relationships with our family. Our friends, our children, hopefully But we really want these great relationships. But what are we doing when we're in the pursuit of more money all the time, more money and more material possessions because we think money and material. Possessions will make us kind of happier. Like, we're missing out that we don't have the right cars. We're missing out that we don't have the right houses, or we're missing out. That we can't take the right vacations. We're missing out that we don't have the right shoes, the right bags or something. And we're so we're pursuing more money. To have these more expensive lifestyles to. Be able to buy more things, thinking more things are going to bring more happiness, when actually the happiness and we're sacrificing so much that's actually sacrificing the relationships and our health and the pursuit of those things. And it's just so backwards. And this is so subconscious and kind. Of culturally built in. This pursuit of more is that if We can really design what is a. Good life, then it'll kind of boil. Down to these categories. And when we can focus on that. Then the next part of the question. Is, how much does it cost to live it? That's what I say. One of the most important questions we can ask ourselves is a financial question. That how much does it cost to live my good life? And now we can make money more meaningful. It's not just about the chase of it, but it's more about the creation. Of our good life. It's about manifesting the money, the creations, building the business, being on the same page with our spouse, our partner. Because we want to co create this life together. We want to co create the financial. Means that underwrite the cost of living this life. And we both want this. So we're in a conversation, we're doing. This dance with our money and building. This relationship around money together, all for the sake of living a good life. So anyway, that's what I teach now is how much money is enough? What is financial independence? How do we reverse engineer everything back into numbers that actually have meaning and importance? And how do we get out of the rat race and how do we. Get out of the game? Just that that pursuit of more game that in so many cases is killing us.

And over time, over this period of time, then we get to the place where just we use our younger, harder. Working years over this time. Then we use compounding and these different. Things that times on our side, that 10 or 20 year old herself then has a really good supplemental income in. Addition to our business. And that's called working income. And again, that needs to be. First of all, we need to say that I'm as equally committed to my future self and my future self's lifestyle as I am today. And to really connect there and make. It meaningful and that's the work that. We do is like, how much money is enough? How much net worth do I need. 10 or 20 years from now to Give me that space and time that. I want while maintaining my same level of lifestyle without going backwards or going down? And wow, that time is really going to come. And how does my life then look. Different than it does now? And we can quantify that amount. So one can quantify it and let's just say it's a $5 million net worth that's going to equal about, let's say $250,000 of lifestyle income. Then it's saying like, okay, my Younger working years and everything I'm doing, I'm using that money to live a good lifestyle today. But I'm equally committed to hitting that. $5 million number, let's say 15 years from now. So because I'm so connected to, I can even feel what, what she's going to feel like 15 years from now. And I know the age she's going to be 15 years from now. And so today, like the, to answer your question, like, what's the mindset or what can help us keep on track? It's keeping on track that we're so committed to that future, that. And it has so much meaning that we're willing to do the things to stay on track, to be in that situation. And the same is with our health. If we want health, if we want our health to be a certain way. 10 years from now, do we get off track with our health? Do we sometimes get gung ho where. We'Re exercising and we're eating just the right diet and we're snacking well and doing all the things. But what we know is like all Of a sudden, when we get a. Little bit off track, then we get A little bit more off track and We get a little bit more. So it starts small.

Says, are we financially on track? Are we going to reach that place. Of having financial freedom and autonomy and getting out of the rat race? Are we on track? Because that's what the balance sheet tells us. And it's very simple to read. But again, it's just something we give to our CPAs and they do something and then even if they send it back to us, it just goes into the. Either we delete it or goes into a folder somewhere. So, yeah, it's just understanding that money. And financial wellness follows the same rules as health.

Yeah, definitely. So my personality is. When I think about all of this, I get really overwhelmed because I think about like a vision that's really far off off, that's like a big goal. I've always hated making goals. And then I think, then I think about being locked in on a track and it's sort of like I'm stuck there. So I always try to like think back to what are the. Just breaking it down into just the daily little miniature things that I can do and find fun ways to enjoy doing those and then just like don't pay attention anymore to where I'm going and maybe meeting with someone like you to where then I do the check in. Like, am I on track or finding a way where I can look at the numbers where it's not unenjoyable because it has to be fun, otherwise I'm not going to do it. So when I'm talking with patients, I'm breaking down their treatment plan to what you are actually doing every single day, how many times a day, why you're doing it. So just breaking it down to where it's really like bite sized because it can get very daunting. So how do you do that with your approach, like breaking this down into more of like daily habits or bite sized chunks?

Yeah, so that's. So what I do is I have a, like a methodology or protocol, if you will, that break this down into. Very small pieces and kind of like. You, like, you can't so good. If somebody's coming to you disease. They have a lot of things wrong. You can't just throw them everything at once. It's like, no, let's just make some changes with the diet first.

Yeah, right, Exactly. Foundational things, everything.

Let's just do these things and small changes at first. Like, what can you change? What behaviors? Can we modify that? Yeah, Feel good. And you just break those up. Okay, now tackle this piece.

What would be like, one little example of, like, one of those little behaviors?

I mean, one of the big ones is to. So one thing is to really just start monitoring your money. It's really looking at that. Just watch it Watch how it's flowing. And I call it in. The second piece is to. It's kind of monitoring and tracking it. And then the second kind of stage we want to get to is where moving it like we're actually enjoying it. And what those that are the most afraid of money. Not afraid of money necessarily, but afraid kind of What you said that. I just think I'm going to be overwhelmed. It's going to take too much time. I'm going to hate it. It's actually those that come into and do the work that actually find the most enjoyment, which is interesting because I think it's kind of having this experience. It's. I don't know if you've never exercised before, and all of a sudden maybe you get on a bike and you just like, oh, my God, really? There's so much enjoyment to this. And just falling in love with cycling. And then next thing you know, they're doing triathlons or something and they hated exercise. I don't know if that's a good example. But it's also, again, it's learning to. If we believe that we need to move our body and ex. If we want a certain level of Wellness and we believe it to be true, that we need to get a certain level of exercise, resistance training, these different things. So we want to get out of the story that says I hate exercise. Because if you keep the story that. I hate exercise, you're never going to exercise. So part of it is just reframing that to say, what exercise can I enjoy? And get into that and then create a love for it or at least. Create a discipline for it that makes it enjoyable. Well, I don't really love exercise, but I love meeting my best friend and Going to the gym and doing the gym workout together. Or I love the social thing of going to a bar class or yoga. Class and Hanging out afterwards. We can create some narrative around the enjoyment piece because at the end of the day, the body has to be exercised. And money is the same thing that at the end of the day, we. Have to do what I call exercise our money, and we just have to do that. So exercising our money means it's part of the agency of money. It's really like. And usually we're intimidated by it. There's some intimidation or fear, some stories.

Weird. Yeah, yeah.

That we're comfortable. That keeps us from. That we have any excuse, like, I just want to be the creator. I just want to do this or don't want to. We just create all this narrative around it. But underneath that is some fear, some belief. It's some whatever that resistance is. So if we can just get beyond that money, that we get beyond it. In other areas of life, if we can just get beyond that financially and say, you know what? I'm just going to give this thing a try and I'm just really going. To get into my money with. The first goal is to change my. Relationship with money and where the relationship is. I really want to get to know it. I want to have this relationship where I understand it a little bit better. I want to have this relationship where I spend time with it. I want to have a relationship where I'm no longer afraid or intimidated by it. Because money, as opposed to medicine, is so easy. Like, whatever that resistance is money has very few rules You have to follow the rules. We need to know the rules. But it has so few. The body is far more complicated and complex.

I really like that statement that, like, gives me peace for some reason. That's really good. It is. It's linear, right? It's not analog.

It is.

Yeah.

And it's just based on very simple math. Like the medicine and the body is so complex. You guys are dealing with so many things to try to figure out and get underneath and underneath and underneath. What's the real source of this? And how do we start? Where do we even start? Money is so simple. And most people that start doing this work, they. At the end, they're like, you mean. I've been avoiding this my entire life. And it's this easy? Like. Yeah. It's just we're not taught this. And money's spoken in these complex terms and kind of all this stuff out there and even all the planners and everything, I think they work to try to keep it complicated because they don't want the secret to get out that actually money is pretty easy. It has like six rules. So, and if you follow this and you put that to work and you. Do your part where you're exercising your money and doing that, the piece you have to do, money just takes care of itself. But it's kind of like the body in a way. You think about it, that if you get the right, let's say, coaching and advice and you under. And we kind of understand that, okay We have to live heavy weights to be able to break down the muscles. The muscles rebuild themselves. Like the simplest layman terms. The muscles rebuild themselves and then that. Helps us to create muscle and we. Need muscle mass as we age and blah, blah, blah. And when we push heavy weights, that's. Really good for our bones, and so. That'S really good as we age and just these very simple layman understandings, then when we know, and then we can follow a protocol, for example, that let's say the trainer says, okay, here's your protocol. Go to the gym three times a week, lift these heavy weights and then. Do exactly these exercises on exactly these machines. Just follow the protocol. We don't really have to think much about it and we don't have to. Be looking at our muscles every day. Are they growing? Are they going to grow? I wonder if my muscles are going to grow. No, because the universal wisdom and intelligence of our body, it knows what to do and it's going to do it.

Yeah. And trust the guidance of your coach.

Yeah, exactly. So our body is going to take the nutrients and it's going to do great things with it. It's going to take the breakdown of muscles and it's going to know how to rebuild them. It's going to take the water and do all the things our body does what it does. We don't need to think about it as laymen. We just need to know what to do and what not to do and do the things we need to do and don't do the things. But at the same time, our body gets diseased if it's eating too much sugar and doesn't get enough nutrients and doesn'T get enough sleep and is stressed. Out all the time, and then our hormones get out of balance and then we. Then it just becomes this cascade of things that becomes disease state and then it turns into diabetes or these things turn into autoimmune or the body, when it's not getting the stuff that it needs to be able to do the stuff it would naturally do, it starts to break down.

Yeah.

Money is the exact same thing, is that that money knows exactly what to do when you give it the right nutrients, when you exercise the way it needs to be exercised, when you do the things with it that it needs to be done. And it just does it so miraculously. And it grows and builds on itself. And where we get tired, our bodies. Get tired and break down. We want vacations our money never does it just keeps working 365 days a year and 52 weeks a year and 24,7 a day when we put it to work. But we're not we're putting our bodies to work. We don't know how to put our money to work. And ultimately, we find ourselves in a financial disease state where what that feels like is being on the hamster wheel. And living in a constant state of some type of financial anxiety, stress, conflict at some level, as opposed to feeling like, wow, there's plenty of money.

Yeah. I could talk about this with you all day, but I want to make sure I'm honoring your time. So I would love a couple of things. One, if you could share a favorite rule. We won't talk about all of them because I want people to check out your content, but if there's one of your favorites and then just anything else you want to share with us before we let you go and crush your day?

Yeah Well, there's a couple things. One is a money law, and it's called the Parkinson's law of money. And the Parkinson's law of money says that. And I've talked about this a little.Bit, but it says that expenses will. Always rise to match income And then it has a second piece. Of it that says what was once. A luxury becomes a necessity. So when we break those two things Down, that's, again, why we get caught in this hamster wheel.

Oh, my gosh. It's so true. You're like, I have to get my hair done now. I have to get my nails done every three. Three weeks.

Yeah. And it will always fill it up like, yeah, yeah. And again, it's a law. This is like gravity that's working. Gravity works. Part of aging is gravity at work. It's not really working in our favor over time.

Yeah.

Always working. So Parkinson's law is of money is always working. So it's understanding. If that's a law, it's always at work. And that's what keeps us in this. And so what we need to do is that we have to bypass the law. We have to put things in place that keep that natural law from happening and actually then use that law to our favor. Like, I don't know how planes are built, but somehow they built the plane against gravity that it can still fly versus crashing down to the ground. So we have to do these same things. So it's understanding that the way to get off the hamster wheel is we have to create this thing called wealth. And the way to create wealth that while to not be victim and prey to Parkinson's Law, we have to do what'S called creating a margin. And that margin means that here's how we get rich and build wealth. And it's as simple as spend less than you make, but we need to know how much less to spend So if we're making, let's say, $200,000. A year after taxes that we pay. Our household, then we naturally, Parkinson's Law will spend that $200,000 a year. So we have to know, by doing. Some very simple math and some work and looking at that future self that's. 15 years older, how much money do. I need to put aside and to invest and buy assets with? Straight off the top. That's my margin if it's 20%, 30%. If it's 100,000 a year or 50,000 a year. But we have to know that number. How much is that number? That margin of that's that we're going to take out. And it's our future self money. It's not our. 00:58:45: It's not my money, it's my future self. Money that I've already identified is going to want this lifestyle and it's going. To need this amount of money that's in the form of net worth. It's on my money lab called a balance sheet. And then it's then by knowing that number and then tracking our money and. Being making sure that we're keeping our. Money on track, like looking at our labs to make sure that we're not spending more than the amount that our protocol tells us that we need to spend. And when we can just accept these. Different buckets and these different categories and knowing these very basic numbers and just then live a lifestyle according to managing. Our money according to these very basic numbers, again, that's how we get in the rat race. But all of that I'll sum that up to say like is the one takeaway, is that Parkinson's Law is always at work. And we're going to be kind of a victim of Parkinson's Law unless we modify our kind of knowledge, understanding, and behavior in a way that allows us to bypass it.

Okay, awesome. Do you have time to share Like I'm all about the tangible takeaways that people can start right away. So is there like maybe one or two just daily habits, like little tiny things that people can start to implement every day that would make a big.

Compound effect, I mean on the daily. Again, the big, the piece. Like I said, put a link to the quiz. And so what I. The work that I recommend everyone to do is kind of looking at the big rock first because the little bitty changes, they help. But if they're detached from what the bigger intention is, then again they're not going to stick. So I have this little quiz. It's wisemoneymethod.com quiz but I invite everybody to take the quiz and I call it just a simple financial IQ quiz. It's 10 questions, but there are 10 eye opening questions that out of a score from 0 to 100%, thousands of people have taken this quiz. And the average score, 100 means an A plus. The average score is 32%. Dang. And this is, this is.

What's the best score you've ever seen?

I've seen like an 80%.

What's your score?

Well, mine called answers, so mine's 100. But okay, I made a quiz. Okay, they're pretty. I'm not going to call them basic. Questions, but these, knowing the answer to. These 10 questions is very connected to what I'd call financial wellness. If we got a score of 100%, for example, it's like I've got the money thing figured out. I'm doing well, I'm on track, I know my numbers. And that would be an indicator that you don't need my help. You've got it. It's anyway anywhere between like an 80, 100, but the average score. And these are people, this isn't, these are professionals that take this quiz. Right. They're my audience and that type of thing. So we're not talking about those that are in poverty. Poverty or those that know these are people making usually well over a hundred thousand a year, yet this score is 33%. And what that tells me, and I think what it tells us is that even though we're all hustling and making. Good incomes and building great businesses, we don't know anything about money. And this lack of knowledge is keeping us in what I call the month to month hustle. Yeah, I just invited by you to take the quiz. Now that's just fun. You can kind of see where you are and it's kind of this eye opening, like holy shit. I don't know the answer to these question and if it's true, I need to know the answers, these questions to really get out of the rat race. Maybe I might want to do some digging here, but that's the fun of it. What's attached to that? What I invite everybody to do is the next step is attached that you'll get an email, and it's called the How much is enough? How much money is enough workbook. And I just invite everybody take the quiz for fun. But it's not about the quiz. Do the workbook this workbook that I'll send you. This is kind of the crux of the program that I work with people. So I can't even like, it's really valuable and helpful. It's like it's kind of what we do in the program, the biggest piece. So I'm just offering that and do that work. That would be the next step. And just go this process of getting your own number. What I call how much is enough. Number, and then just seeing what it feels like. And I think by just doing that, it will cause you to want to modify one way or another. If it's to say, hey, I need to call somebody like Christina to help me get on track. Or if it's like, wow, now that. I know my number, I know what I'm doing all this work for. So that's what I say, start there. And then it's very easy from there to say, hey, I think I can Come up with my own modifications of. Little, little daily things.

I can do so good and start tiny, everybody. Because I know this can be so overwhelming for people. It's similar with patients who come to see me. It's like. And I just say, start with a walk of 20 minutes a day. Just do that. And even if you do that for a month and then you do the next thing, to me, I still see that as progress. So it's really not about perfection. It's the same thing with this area. It's moving in the right direction. So it's awesome. I love this stuff. Thank you so much, Christina, for spending time with us and sharing with us a lot of your mindset shifts that we can make and just really kind of looking at the mirror a little bit and just having, like, the courage to do that, like, giving us the courage to do that. Really appreciate that. I really appreciate you taking your pain and putting that into a lot of what you do with your. I mean, not to make it cliche, but with your purpose. But truly, you are paying it forward and helping people overcome a lot of what you had to go through. So just really appreciate everything that you're doing. Really appreciate all the work that you're doing. Thank you.

Yeah, thank you. And it's just to kind of just sum all that up is my goal is to help people really move out of the pursuit of more.

Yeah.

Really have a goal to create financial wellness and the desire to. To create overall wellness. And again, I'll complete by saying money's so easy. It's the last one to be intimidated by. Relationships and health are far more complex than money things.

Right. Yeah. So that's good. Maybe some of you listening, you're like, I'm good in the relationship department or my help's doing pretty good. Well, from Christina's words that the money part is easier than what you've already overcome. So, hey, maybe you can take that on next.

Yeah, right on.

Yeah, you guys got it. Well, thank you again. We really appreciate you and I'm sure we'll talk again soon.

My pleasure. Thank you.

I hope you enjoyed this episode of Dr. Lo Radio.

Thank.

Thank you so much for joining us. And for more after the show, you can head over to DrLoshow.com where you can find the show notes. Be sure to subscribe to the show and share with all your friends. And please head over to itunes and leave the show a five star review and leave a comment. I read each and every one and they warm my heart. Thank you so much again for joining us. I promise to keep bringing you fun, inspiring, empowering content. Until next time, lots of love and I'll talk to you soon.

I hope you enjoyed that conversation as much as I did. If you wish to learn more from me about financial abundance, business and wealth creation, I invite you to check out my new YouTube channel. Subscribe and receive weekly money education videos. Videos. You'll find me at YouTube.com hristinawise YouTube.com R I S S T I N a W I s e Otherwise, join me again next week for an episode of the Wealthy Wealthy podcast where I interview experts about the intersection of wealth, health and business. Until then, live your wealthy, wealthy life.