Are you feeling like you've missed the opportunity for financial freedom because of your age?
Don't worry, my guest Monique Toonen has a powerful message for you. After facing a life-altering cancer diagnosis, Monique took control of her life and made drastic changes. Just three months later, she achieved full remission and discovered her dream life—living in Mexico and traveling the world for six months each year. Now, she's on a mission to help others achieve their dream lives and financial security, regardless of their age.
If you're tired of the ordinary and want to create generational wealth, live a life of freedom, and make a positive impact on your community, then this episode is a must-listen.
Join me as I chat with Monique and uncover the secrets to finding your dream life and financial independence today!
About the Guest:
Women Entrepreneurs 50+ hire me to become Financially Independent to Fast-Track their Dream Life in 2 years or less, guaranteed
Connect with Monique:
About the Host:
Paul Finck is The Maverick Millionaire™. Paul brings to the table a vast array of knowledge and skill sets from 36+ years of sales, marketing and entrepreneurial life experience. He has consulted in numerous industries, including the Medical, Dental, Financial, Retail, Informational Marketing, Direct Sales, Multi-Level Marketing and Speakers/Coaches/Trainers. He is a former mortgage broker, real estate agent and investor. Starting with a desire to be great, Paul learned from several of the biggest names out there and Dared to be Different – he dared to be a Maverick. His successes include moving multi-millions of dollars in Real Estate, and over $20 million in informational products. With his primary focus on multiple streams of income, he has built up several businesses in Informational Marketing, Network Marketing, Real Estate Investing and now speaks and coaches internationally, teaching others how they can create this success in their own lives while Doing It Different – The Maverick Way.
Paul is well known for his success and his awesome family, and has appeared on Good Morning America, CNN, CNN Live, The Jane Pauley Show, The Montel Williams Show, local Channel 8 and Channel 11 News, Parents Magazine, and most local newspapers in his home state of Connecticut.
Connect with Paul
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Welcome, welcome along the way, everyone, this is the maverick do a different podcast I am Paul THINK THE MAVERICK millionaire and this is the maverick universe. This is where we do it different where we think different, be different, do different to create a difference in our world, to create a difference for ourselves for the people around us and for our society. And no better person to talk about this than our guest today on how to really take life to its fullest potential, and create magic in her journey. Today, we've got somebody special. So grab your coffee, grab your notepad, and let's get rockin and rollin here. Our guest, it starts off her journey in 2020. Or at least this is the key level of the journey when she got diagnosed with breast cancer. Her body gave her the signal that well, she needed to make a shift that things weren't worth living right now that there was a shift that she needed to go through. And she's now on a soul mission, if you will. And I know all of you understand this. Life threatening experience wasn't easy, and it certainly isn't for anybody. And we've all been through those moments. It's made me to realize that not only energy, good food and environment that makes you feel good, but also the kindness of the people around us and how we live our lives every day, going through this understanding of that flow, if you will, she's going through chemo as she's going through surgery and radiation and the unspoken bliss of all that was that it gave her a chance to really analyze her world and her life and how she was conducting it. And well had got her jumpstarted to and listen to this fire sale on everything that she owns. And grant understanding that possessions were not where her future life was that it was all about living it and she left the country she she went and traveled with her dogs spirits and created the understanding of her next journey. During the process, she developed the creative capitalization method, which is this is a life for never needing to retire, or at least maybe having all the funds you ever needed to retire.Paul Finck:
She works with women over 50 is one of her key target audiences and it's about the entrepreneurs over 50 to reach financial independence. Following the common ideas of financial advisor usually doesn't happen being conservative with spending an asset allocation no longer work. Instead, she created a tool and created a a process to to for explosive growth. And the planet take decades out of the process. So you can create it now. When her focus is women entrepreneurs over 50 who want financial independence to fast track their dream life in two years or less. Guaranteed. We're going to be talking about all that and more with my host or my guests they should say sorry about that. Monique, too, then, absolutely. We're so pleased to have you here. And with all of this, oh my gosh, what a journey. And definitely an end nothing we want to wish on anybody. And yet it sounds like you've come up roses with all this. Tell us about your experience?Monique Toonen:
Absolutely, absolutely. You know, for me, I mean, everybody gets a live call, wake up calls in live right? And I had a few and for me diagnosed with cancer and actually asking me that question. Am I going to survive this? Am I going to be here on the planet in six months? Only that question only, you know, they said, Well, we can cure you, but no guarantees. Right? And going through the journey, I knew that only medical procedures wouldn't help me. I knew I had to do in a work. I knew I had to make friends with my body. I knew I had to make real real quality decisions. Because if you are a little bit familiar with chemo, your energy reduces from 100% to 50%. Like half of the of the energy you lose and you deteriorate. The longer you go through chemo, the more it decreases. So that's, and so you have to, and, but the beautiful thing is because of those quality decisions I made, I could compound on those quality decisions. And I came at a point that I was like, Okay, I've built a life of possessions. I had a beautiful house, I had an awesome car, you know, and I had great stuff. But I built those structures that my energy couldn't carry anymore, because I had 50% of the of the energy. And then you have to make choices. Yeah, so it was kind of forced. But I'm very, very grateful. And I feel so lucky that I went through the happy flow. And I, I made the decision to say to myself, you know, because there's always a chance that cancer can come back. And I was like, Well, if that if that happens, because we cannot be sure 100% I was like, I want to die in the harness, and traveling the world.Paul Finck:
The whole concept of life changing experience, and a life changing moments in your life that cause you to, to evaluate on what you what, what life really means and how to live it is really key. Oh, you didn't just decide, oh, I want to like, go on a vacation for a couple of weeks, you decided, alright, I'm changing my whole lifestyle.Monique Toonen:
100 percent. Yeah for sure.Paul Finck:
That gave you the motivation to create a system and a process that is now helping tons of people all around the world that are in the situation like you were in where maybe they don't have the financial freedom, they don't have the ability to just quit and go and travel the world. And yet, if that's what they want in life, why why shouldn't they? How could they build to that? And that's the rest of the story for what you've created. And that's tell us about so your tagline is financial Alchemist. Tell us what that means.Monique Toonen:
Well, you know, an alchemist is actually a someone who transforms materials. Well, factually, an alchemist is is someone who, who turns lead into gold. Right? I would say I turned transform materials into more valuable or desired desirable forms. And when it comes to finance, it's it. You know, I use my knowledge, I my mi skills to turn financial choices into more profitable forms, and increase the quality of life like me. I mean, like, usually, yes. That's huge. So there are a lot of people that listen, if I want to grow my portfolio, I want to get financial freedom in my future, build a retirement, I would go to a financial planner, like Yes. What's the difference with what you're talking about here? Well, great question. Paul, thank you for asking this question. Because this is this is absolutely why I offer something else than financial planners, you know, Because financial planners are most likely more about numbers. And I'm not only about numbers, you know, my clients, I help them to find that iki guy, their reason for being and it created a sole mission driven lifestyle business, just like I did, I mean, I was retired, and I want to just, I created a life I never want to retire. And I offer that to my clients as well. You know, because if you if you find your purpose, if you find your reason for being that's a life lasting purpose, so you can, you can develop it, you can you can compound it, just like your quality decisions, and it will it will make you happy until a high age you know.Monique Toonen:
Yeah, you know, and I help them to to well unlock their unspoken bliss, you know, and break free from financial barriers. And that's not the average financial planner. I teach. Yeah, you know, so I combine the finance. So what I call, I have like a three, three key elements. I teach about happy money. So you can earn a lot of money. But if it's if you're not happy, what you do, you're not, it's not happy money, it's money. You know, I want people to make happy money, and and the lifestyle business. I help them to create a risk reversal offer, meaning it's easy for them to offer. And it's easy for clients to step in. Right? And, and the third one is know your magic number. You know, what, how much is enough? How much is enough? How many people calculate their real magic number? Now, many people do. They don't know how much they need? Or when they stop working tomorrow, how long they can survive without doing anything? Right? You need to know the number. And it's not it's not like, you have to do it right away. But you have to know the number. You have to know the number. So a combining that together? Yeah.Paul Finck:
So define that for me. So the number that you're talking about? Is that their that their baseline number, their high number? What is defined it?Monique Toonen:
Yeah, great question. Well, I have I defined a three level so to say so I talk about financial success. And financial success is about more energy and more time, right? Financial Independence is you don't have to work, you have residual income or you have enough equity. Right. So to cover your monthly current lifestyle costs. That's financial independence, financial freedom is more energy, more time and more freedom, because when you reach financial independence, you have more freedom of choice, right? Right. Financial freedom is more energy, more time, more freedom, and your ideal life. So you can do whatever you want, at any time in any place. So bring them to develop financial freedom.Paul Finck:
Here, here, Yes. So powerful. Because the financial freedom and people will express it they want to do what they want, when they want where they want with who they want. And and the power of that. All you're not telling them to get financed to retire. You're saying live a purposeful life? Yes. And and which could mean whatever you want it to mean you're you get to define that. But live a purposeful life. And yes, financial freedom.Monique Toonen:
Yes. Yes.Paul Finck:
It's a combination most financial planners don't offer.Paul Finck:
Yeah, no, because they are and it's just about the number and this concept of layering it and he talks in your intro about you know, it's a dream life and how to create that dream life. What is it? And maybe a good place to start is to define it for you. What, what is your dream life? What does that look like?Monique Toonen:
Well, my dream life is is what I'm living right now. I'm traveling the world together with my dog. I'm currently in the Netherlands visiting my mom, she's she's gonna turn 80 tomorrow. So that's why I came to the Netherlands. But my I my whole heart, I would say because I don't live. I live a nomadic life. But my Home Hub is is Mexico Playa Del Carmen. That's for me the The best place to be in matters of medical well to do my checkups every year great beach, good food every day, sunshine, you know, you're here. And I am traveling every three to six months to another place. That's That's my dream life. Yeah.Paul Finck:
How long did it take you? And I know you, you know, with cancer and with chemo and getting to the point where you could only then was that process to kind of go from what most people would say, the normal world, the normal life, to this freedom that you now experience? Well, how long is that journey?Monique Toonen:
Well, that's, well, you're gonna be amazed. It took me three months. That's two to as soon as I heard, I had 100% remission on the MRI, meaning after after five months, there was nothing to see anymore. So that gave me that gave me the courage to think about my my future life, so to say, and as soon as I had the surgery, and and and the surgeon said to me, Well, congratulations, you have a really, really clean cut. There is there's nothing to see everything is clean. You truly went to the happy flow. We will do some radiation, and you're on your goal. And I was like, wow, you know, I went home and went to the bakery and just celebrated live in my Oh, yes. And I think the the week after that I received an email about living internationally. And it it, it really took me and I was like, I checked it out. And I was like I am and I invited a realtor to ask about if I would sell my house, how much would I received for it? And that blew me away. And I was like, I'm going to do it. I'm going to do it. And I sell everything.Paul Finck:
So for most, it's so your clients and the people that you are passionate to help out or the entrepreneur, female entrepreneurs that are 50 Plus, that they don't all want to sell everything that they have to go on this nomadic journey, if you will, but they want financial freedom. Yes. So how do you help them? What's some of your profit? How do you engage with them?Monique Toonen:
Well, first off, we start with with finding the icky guy, right? So that's that's actually finding the reason for being and that that has to do with what is your biggest pain? And and how did you struggle with it in the beginning and you but you gain from from that, that? That pain? Right? So you you you went through the hero's journey, so to say, right? And that's the center of your iki guy that's ever that's you're finding your life lasting purpose, right? So that's the first step. You have to also look at your life. Where are you? You have to declutter meaning and that's not only stuff because we have so much stuff. You're just used to it. Right? And you can do with a lot less than you think you can. And but the emotional part is is is is something that costs more time oftentimes, when you because you are Yeah. Because you are you are attached to people you are attached to environment you are attached Still beliefs, you always thought about yourself. You're attached to a way of doing. Yeah. You know, so that's where the the most part is where people have a hard time to let go. And, of course, you know, and that's this is the thing. Financial planners say, Okay, well you have to cut your expenses, put money in the bank and then invest invest in either in stocks or in real estate. Right?Paul Finck:
But if you are 50, you don't have 20 years, like the financial planners say, oh, you know, yeah, you have to start early. Well, if you're 50, you're too late. So to say, if you if you believe the financial planners, right, right, so I created a way that people can create syndicates together. So you buy together. So you don't have to, you don't have to wait 20 years before you can invest in anything. Right. So I created a system that they can syndicate with each other, but also find ways to earn a lot of money, but also invest in money through syndicates. And there are several ways these are my secrets.Paul Finck:
I've already heard one of them, that the whole idea of syndication and you help to structure and create that for your clientele, which is huge, because there are not a lot of places to make that an easy road. And so having you there for them to make it easy. And to carry them over the finish line with it is it's huge in and of itself. Only, that's just one, multiple techniques that you do to help them create financial independence breed financial freedom to create that gentleman. And one of the key components for everybody is, is understanding that you don't have to wait for that critical moment in life. You can decide to, to change your life today, regardless. And it's simply no matter what your next step is. Decide whether this is the life that you want, or whether something else is. And so and it's not too late, you know, a lot of people think, wow, you know, I'm too late anyway, so why bother? Right? You want to talk about that? Just for a little bit? What, who says, I'm too late? And why did they say it?Monique Toonen:
Well, well, because because the financial planners gave you the advice? Well, you know, you start early. But when you're 5055, and that's not early, you know, and of course, if you're lucky, you got another 30 years, I get that, but you know, you want to leverage it, right? And and at least in the next five or 10 years, because then you can enjoy it. Right? You can increase your your your your life, in quality and that matter. So and this is why I came up with this idea to leverage that in different ways. Because I think there are there is a structure that it's possible, even with if you don't have any money, it's still possible to leverage and go invest in with syndicates. Right. That's, and that's absolutely something that happens in the masterminds because people talk get to know each other, right, and they start to trust each other. And if you trust I'll, I have a definition of three types of people. You have sharks, who only want to take and you have people who are carps, who are constantly complaining that they have bitten been bitten by the shark, right? And you have, and you have the dolphins and offers want to play the dolphin want to play together. And even a note not many people know this. A shark needs to move. As soon as a shark comes to no movement, it will die. And what dolphins do is circle the shark. So that it has it, it has to stop, it cannot move anymore. And then it will die. Because the dolphins are playing together and circle the shark so that it doesn't survive. And that's some that's a metaphor for me.Monique Toonen:
I want to facilitate syndicates for dolphinsPaul Finck:
So play with dolphins avoid the sharks. And don't stay still.Monique Toonen:
Yeah, yeah. Yeah. Because a shark. If a shark stops, it will kill him.Paul Finck:
Right? Yes, if a dolphin stops, the shark will kill them. Yes. With all this so so we create financial freedom. We do this you work with women entrepreneurs who are over 50 You help them create their financial freedom? And is this freedom? And so some of it is I don't want to do this alone. So I want my community with me which you've built? And is this is all of this able to be transferred as a generational as well? Are we able to pass this freedom on to others?Monique Toonen:
100% Well, that's an I'm thrilled when when my clients have children, because then they are an example for their children. So if they step into my program, they will. And we all know children look at what what their parents do, not what they say. Right. So they will be an example and and the legacy they will leave for the children is that they never have a money problem. And never know. Well create a purpose for life and make happy money. That's a great love, leverage and a great legacy to leave your children with.Paul Finck:
So many people and with with health and wellness centered around this as well. And understanding that when you live a purposeful life, that you are living the healthiest life you can live and you have more energy, you have more passion, you have more joy, all of that comes from living a purposeful life. Yes.Monique Toonen:
And it only compounds Paul, it only compounds. That's the beauty of it. You radiate happiness and happy money as well.Paul Finck:
I love that happy money that is so great. With all that with all that you're doing. We've got people listening all around the world. Absolutely. For especially talking to the women out there. last pieces of advice. What would you tell them? They're listening closely?Monique Toonen:
The only thing what you have to do is close your eyes. And listen to your heart. Listen what your gut gives you and act on it.Paul Finck:
Yes. Yes. My gut is telling me that we want to reach out to you. We want to know you better. How do we find you?Monique Toonen:
Well, there are several ways you can you can connect with me on LinkedIn. Just Google Monique Turner financial Alchemist, you will find me or you can visit my website, which is moniquetoonen.com. That's Monique with a q u e, t double o n e n and then.com. You will find all the details also in the description.Paul Finck:
Awesome. Awesome. Awesome. Your website and LinkedIn two great places to go. And just phenomenal people will want to reach out to you. How do you do it? How do you make all this happen and what you can do for them. You've got some secret formulas that you absolutely are going to share. Go find Monique Toonen, go find her out there financial Alchemist and reach out. Let her help you. Create your dream life let her help you create that that magic. It's the purpose for life is what i My prayer is for everybody to have. And don't wait till you have a catastrophic moment in your life to create it. Create it now. What a pleasure. Thank you so much for coming on board.Monique Toonen:
Thank you so much for having me Paul. It was a great pleasure.