“Every single woman needs a little bit of money of her own”

–Tess Waresmith

61% of women would rather talk about death than money. Are you one of them? Let’s change that! Money is regularly on my growth edge, so I’m learning along with you about something I feel like I should know more about — investing.

I’m excited to talk with financial educator and investor Tess Waresmith. It feels like women are playing catch up when it comes to money, and Tess wants to reduce the gender wealth gap. Even if you feel like you are living paycheck to paycheck, this applies to you. And if you’ve heard that the younger the start the better, there are still benefits to starting if you are 50 or older.

I always say planning is deciding in advance, and you ask for your future self. Investing is another way of taking care of your future self. And Tess explains why you need to know the basics—even if you decide to outsource your investing.

We talk about:

• Why you don’t need a dollar for dollar budget and what you need instead
• How to invest money if your income varies from month to month
• How to actually invest without having to time things right and pick the right stocks
• Multiple benefits of making small investments regularly
• Whether you should invest or pay off debt first
• Age and whether it’s too late (it’s not!)

ABOUT TESS

Tess is a speaker, financial educator, and the founder of Wealth with Tess, a financial education community that helps women learn how to grow their money using simple investing strategies so that they can retire comfortably and live life on their terms.

After losing thousands in investing mistakes in her 20’s, Tess learned everything she could about wealth building and built her net worth from 0 to 1 million as a single 35 year old woman. Tess has recently been featured as a financial expert on Business Insider, Fox 5, and has over 70,000 followers across social channels.

Now she’s on a mission to reduce the gender wealth gap and help more women reach financial independence through simple investing education. Thousands of women have attended her free investing workshops and hundreds of women have joined her small group coaching programs to learn how to take control of their money. Tess believes that more money in the hands of women is magic.

LINKS

• https://www.instagram.com/wealthwithtess/
• https://www.linkedin.com/in/tesswaresmith/
• https://www.moneyconfidentclub.com/founders

DOABLE CHANGES

At the end of every episode, we share three doable changes, so you can take what you've heard and put it into action. Action is how change happens.

Often we feel like our actions have to be huge to match the bigness of our desires, but we have seen over and over and over again that the little things add up. By stacking up a series of Doable Changes, you will create that big change that you crave. Choose the one that really resonates with you this week and really make it part of your life.

Here are Three Doable Changes from this conversation:

• GET INTENTIONAL ABOUT SPENDING. You don’t need to have a complicated spreadsheet for a budget. Start paying attention to where your money goes. Identify the key buckets your spending fits into. How much income is going to necessary expenses? How much is extra? Where does that money go? Is what you are spending on important to you? Could you move some of it to the future you bucket?
• START AN

“Your business is not about tasks. It is about finding the big rocks to move the needle. And so much of what's on the task list does not create business.”

–Christine Campbell Rapin

Are you spending the time on the right things in your business? So many of us think that we could move faster if we just had more time. I’m talking to business advisor Christine Campbell Rapin about building a sustainable business.

It’s not about going in 150% all the time. It’s not about perfecting social. It’s not about being everywhere all the time. In fact, the most important thing for you to do might not even be on your to do list.

Christine shares the two essential things she thinks entrepreneurs need to focus on. We dig into the need to sell, into money changing hands. She asks: what can you do today that is simple, repeatable, boring, predictable, that moves the needle? Because movement is the key.

We talk about:

• Why posting on social media isn’t making an offer
• Asking: Who can I connect with today?
• Marketing is about moving the right people toward you (and the wrong people away)
• Building a circle of influence and controlling your digital footprint
• Why you need to make more offers than you are today
• Selling instead of creating something new

ABOUT CHRISTINE

Christine Campbell Rapin is an energetic, tell-it-like-it-is business advisor, mentor, consultant, speaker and 3x international best-selling author with more than 25 years’ experience in marketing, sales and operations working with start ups to the biggest companies on the planet. She’s supported over 400 companies to create a combined revenue more than $1B and believes business growth CAN be elegantly simple when you focus on the 3 non-negotiable business foundations that build a client growth engine.

LINKS

• Website: https://www.christinecampbellrapin.com
• Instagram: https://www.instagram.com/christine.campbell.rapin
• LinkedIn: https://www.linkedin.com/in/christinecampbell1
• Youtube: https://www.youtube.com/@christinecampbellrapin
• Spotify: https://podcasters.spotify.com/pod/show/christine-campbell-rapin

DOABLE CHANGES

At the end of every episode, we share three doable changes, so you can take what you've heard and put it into action. Action is where change happens.

Even though we want big change, it’s really little things done over and over that make the difference. So pick a doable thing. Put it in your calendar. Weave it through your days for a week and then move on to the next one. It will have a snowball effect.

Here are three Doable Changes from this conversation:

• HONEST ASSESSMENT. Take a look at your to-do list for your business and where you are spending most of your time. Is any of that making an offer? Is any of it moving the right people closer to buying? Then look at your audience. Are you talking to the right people?
• INCREASE YOUR CIRCLE OF INFLUENCE. You get to decide how you do this: networking, strategic alliances, partnerships. Pick something. Schedule time each week to reach out and connect with these people. Build...

Instead of forcing yourself into the January 1st narrative or waiting for the 'perfect time,' discover how seasonal planning can honor your unique rhythm and help you align with your true desires. I share why I believe 90-day planning is more effective than annual resolutions, how to identify and honor the season you're in, and why this process allows you to evolve with ease.

Whether it’s designing a season of creativity, nurturing, or bold action, this episode will guide you through creating a holistic plan that feels good and works. You'll also learn the key steps to making time a container for your dreams. Tune in for inspiration, a practical process, and a new way of thinking about time and growth.

“Having a streamlined, functional, spacious home literally improves your life on every level.”

–Shira Gill

Is decluttering your home on your list? So often I’m talking with women about big business goals and the thing that keeps coming up is their full closet, the cluttered living room, or all the boxes in the basement.

I asked organizing expert Shira Gill about why we get stuck on this idea — and what we can do about it. She said: “A disorganized space signals to our brain that our work is never done. Having a streamlined, functional, spacious home literally improves your life on every level.”

Decluttering your home can help you lose weight, get your finances in order, improve a relationship, or start a business. Even with that motivation it’s not easy, but Shira has amazing tips for our biggest stumbling blocks.

We talk about:

• The big reasons we have a hard time letting go: How our identity gets tangled with our stuff and the scarcity mindset of “what if I need this someday?”
• Asking yourself what life you want to lead now or in the future — and whether the stuff is part of that life (or part of your life for this season)
• How to get rid of hard to rehome things and setting boundaries around getting things out of your house
• Clearing a microspace (less than a room) at one time
• Getting into a decluttering flow and creating common ground around what “decluttered” means for shared space
• Decluttering our digital spaces

ABOUT SHIRA

Shira Gill is a world-renowned organizing expert and the bestselling author of three books: Minimalista, Organized Living, and LifeStyled. She’s a sought-after expert for media outlets and has been featured by Good Morning America, The Wall Street Journal, TIME, People, Forbes, goop, Architectural Digest, Oprah Daily, Vogue, and The New York Times. Her popular newsletter The Life Edit has subscribers from all 50 states and 140 countries.

LINKS

• www.shiragill.com
• @shiragill
• Newsletter + Community
• Organized Living
• Minimalista
• LifeStyled

DOABLE CHANGES

At the end of every episode, we share three doable changes, so you can take what you've heard and put it into action. Change comes from action.

Doable changes are things that you can add into your life, one at a time to make micro shifts and really create a ripple effect that will create a big change over time. Choose one that really piques your interest and roll with it.

Here are three Doable Changes from this conversation:

• PICK A MICROSPACE TO DECLUTTER. Instead of biting off too much — your whole house, or even a whole room — pick something more specific, like the coats in the entry way. This is a lot more manageable and you can get some wins.
• CREATE A BOUNDARY. Sometimes we get so caught up in selling something or getting rid of it the right way or we choose what to get rid of but then it sits in a bag....

“Sometimes what we need and want in our heart of hearts is not what other people are telling us we want, should want, or should need.”

–Jennifer Zwiebel

Imagine spending hours hibernating and dreaming. There’s an energy at this time of year of looking ahead and envisioning our future, and FLOW365er Jennifer Zwiebel is brilliant at helping people do that. I’m so excited to share her process and ideas with you.

We often shut ourselves down quickly when we begin to vision. Sometimes there are real logistical obstacles to navigate, and sometimes there are stories in our head we need to navigate. If you keep getting stuck, Jennifer’s process will help.

Magic opens up when we get into a space of trust, curiosity, and exploration. Let’s dive in!

We talk about:

• Creating sacred space and permission for yourself to vision
• Mindset work that keeps us from moving forward
• Using true statements to calm down your mind about obstacles
• Being playful with our visions and actions
• 5 pillars: passion, commitment without attachment, adaptability, partnership, and trusting the timing and evolution of ideas
• Wicked (go see it) and how it demonstrates visioning and creating

ABOUT JENNIFER

Jennifer Zwiebel is an entrepreneur coach and founder of VisionCraft, where strategy meets magic. Jennifer coaches highly intuitive entrepreneurs to bring their most meaningful visions to life. She helps her clients get clear on what they really want, embrace their potential, release obstacles, and trust their extraordinary visions. From Implementation Labs to The Visionaries Playground to customized one-on-one coaching, Jennifer creates safe spaces for entrepreneurs to explore, share, and realize their unique purpose and gifts. Join the magic at visioncraftcoaching.com.

LINKS

• https://www.visioncraftcoaching.com/
• January Visionary’s Playground Retreat
• https://plansimple.lpages.co/flow365/

DOABLE CHANGES

At the end of every episode, we share three doable changes, so you can take what you've heard and put it into action. Action is how change happens.

Often we feel like our actions have to be huge to match the bigness of our desires, but we have seen over and over and over again that the little things add up. By stacking up a series of Doable Changes, you will create that big change that you crave. Choose the one that really resonates with you this week and really make it part of your life.

Here are Three Doable Changes from this conversation:

• TRY THE TRUE NORTH PROCESS. Our fears or limitations often stop us in our tracks as soon as we have a big idea. Start by noting the obstacle or limitation. Identify the truth in each one. Go as far as you can with the true statements. This can help calm down your mind. Then ask if there are things you need: something you need to learn, someone you need help from.
• CREATE A SAFE SPACE TO REFLECT. Give yourself some time and space away from others. Ask questions like: What has my life has been like? What has my work been like? What have my creative pursuits have been like? What would I...

In this episode of the Plan Simple Podcast, I’m sharing my transformative yearly reflection process. I’ll walk you through why reflecting on the past year is such a powerful tool for stepping into your future self with clarity and purpose. I’ll open up about the challenges and breakthroughs of my 2024, from health scares to personal growth, deepened relationships, and finding joy in unexpected places.

Together, we’ll explore how to shift your perspective, celebrate who you’ve become, and use reflection as a foundation for aligned choices in the year ahead.

If you’re ready to rise into your best year yet, join me for my free Resolution to Result event, where we can do this process together. Visit plansimple.com/resolutiontoresult to sign up.

Let’s reflect, learn, and rise together!

"The more we can claim and own our wins, the more we’re able to create even more success. It’s about shifting our mindset and letting ourselves celebrate, even the small ones." — Amy Ahlers

If you’re ready to step into 2025 with a clear mind and an open heart, let me introduce you to one of the most transformative exercises I do every year: The Year-End Completion Ritual.

I discovered this process over 10 years ago from the incredible Amy Ahlers, and it completely changed how I approach the end of the year. Back in 2019, I had the honor of interviewing Amy about this ritual, and I’ve been practicing it ever since—always on the solstice.

Why the solstice? For me, it’s a powerful time to pause, reflect, and create space for what’s next. This ritual shifts my mindset and helps me feel grounded as I ease into the slow, intentional planning for the year ahead—a process that unfolds over the next six weeks.

Here’s a step-by-step guide to try it for yourself.

Start by looking back on the year that’s wrapping up. Use your calendar or journal to jog your memory and make two lists:

• Wins, Accomplishments, and Completions: What are you proud of? What did you complete or accomplish? Even surviving a tough season can count as a win.
• Losses, Failures, and Incompletions: What didn’t go as planned? What felt heavy or unfinished?

Some things might show up in both lists, and that’s okay. For example, a challenging life transition might feel like both a loss and an accomplishment.

Now, take those wins and go deeper. Ask yourself:

• What strengths or skills did I develop?
• Who have I become because of these experiences?

This step is all about honoring your growth. As women, we’re often so quick to skip over our successes. But this is your chance to pause, reflect, and truly celebrate yourself.

This part can feel heavy, but it’s so freeing. Amy introduced me to the Perspective Scale, a tool to process emotions and reframe our mindset.

Here’s how it works:

1. Rate each loss or failure on a scale from 1 (despair) to 11 (joy).
2. Focus on moving up the scale one step at a time. If you’re at a 3 (anger), what thought or action could bring you to a 4 (worry)?

The goal isn’t to force positivity—it’s to create authentic shifts in perspective.

Reflect on what this year taught you. Write down 3-5 lessons in a way that feels empowering.

Instead of: “I never trust my gut instinct and it gets me in trouble,” try:

“When I trust my gut instinct, I make better decisions.”

This small shift reframes your lesson as an opportunity for growth rather than self-criticism.

The final step is a simple but powerful ritual to close out the year:

• I release… (What are you letting go of?)
• I celebrate… (What are you proud of?)
• I will remember… (What lessons will guide you into the new year?)

Write it down, read it out loud, and feel the weight of unfinished business lift off your shoulders.

Every year, I walk into this process feeling a little overwhelmed and walk out with a sense of clarity, peace, and readiness for what’s next.

This isn’t about rushing to set resolutions or forcing yourself into the “new year, new you” mindset by January 1. It’s about honoring where you’ve been so you can step into the future with intention.

If this resonates with you, I’ve got you covered! Email us at

“Everything that you want is just outside of your comfort zone.”

–Jen Mazer

We’re all dreaming up our lives … and those dreams can be reality. I’m so excited to have Jen Mazer, the Queen of Manifesting, back in conversation about dreaming and manifesting.

When we believe what we see in our dreams, it’s more of a direct line to it happening. Instead of “trying,” we act from a place of trust and expectation. It’s time to stop pushing away the ideas that come and trusting them.

We need to get out of our comfort zone and get comfortable with being uncomfortable. Everything we need is outside of our comfort zone — and if we step out of that zone, we can get what we want.

We talk about:

• Overcoming resistance and trusting yourself so that you can trust the universe to support you
• Gratitude practices and paying attention to synchronicities
• Making time to focus on your big dream
• 3 questions to ask: What do I want? How will I feel when I have that thing that I want? How can I feel that way now?
• Reflecting on the past year before amplifying the new year
• Thinking about what actions would make a ripple effect in your life

ABOUT JEN

Jen Mazer is the “Queen of Manifestation.” She’s always been able to dream up outrageous adventures and actually live them out—from rubbing elbows at a small private cocktail party hosted by Martin Scorsese, to living rent-free in the East Village of Manhattan for 10 years, to paying off over $38,000 of debt in less than a year, having her artwork published in the New York Times, traveling the world, meeting the man of her dreams (a successful rock star), giving birth at home to both of her children on the same day 9 years apart, and starting a green school in Africa.

Jen is a sought-after transformational speaker and coach. She teaches people how to manifest their biggest dreams while making an impact on the world. She is known for her signature Manifestation Masters Program and Private Success Coaching.

She's the author of Manifesting Made Easy (Simon & Schuster) and Co-Founder of the board game Sparked.

Learn more at www.queenofmanifestation.com.

LINKS

• http://www.queenofmanifestation.com/
• http://www.facebook.com/QueenofManifestation
• Instagram @jenmazer

DOABLE CHANGES

At the end of every episode, we share three doable changes, so you can take what you've heard and put it into action. Action is how change happens.

Often we feel like our actions have to be huge to match the bigness of our desires, but we have seen over and over and over again that the little things add up. By stacking up a series of Doable Changes, you will create that big change that you crave. Choose the one that really resonates with you this week and really make it part of your life.

Here are Three Doable Changes from this conversation:

• DO SOMETHING YOU LOVE. List 5 things you love. Then do one of those things. It doesn’t have to be related to your big dream. You don’t have to spend a whole day doing the thing. Just doing something you love can shift your vibration.
• GET AT THE FEELING....