“It’s important for people to look back before they’re able to move forward.”–Karen McCall

Karen McCall has a special place in my heart. She was the first one to tell me I was an underearner. And it really pissed me off!

“I am not,” I said defiantly. “I’m a writer!”

Talk about chutzpah!  Here was the leading pioneer in the field of financial recovery. And I’m arguing with her?

Of course, she saw right through my defenses and gently guided me to the truth.

I can honestly say Karen changed my life…in ways I couldn’t even have predicted at the time!!!

She stopped seeing clients years ago to focus on training Financial Recovery Coaches.

Now there’s BIG NEWS!

Jedi Master McCall (one of her students used this phrase, in an email to me, to describe Karen) is offering a special 3 month program…Financial Recovery Foundational Training…for anyone.

Yes, it’s a prerequisite for the Certification Core Training.

And it’s also ideal for professionals to augment their financial coaching skills.

But, for the first time…and here’s why I’m so excited…this training is open to ANYONE (you, maybe?) who wants to transform their relationship to money.

This is an amazing program. There is nothing like it anywhere that I know. It’s truly transformational! Karen, herself, will be teaching. And the sessions are on the phone.

You will be matched with a personal mentor, led through  your own money history, uncovering limiting beliefs, and given a tool box of “Financial Recovery’s underlying methodology.”

In other words, if you’re really serious about healing your relationship with money, this class was tailor-made for you!!! To learn more: www.financialrecovery.com.

This course will rock your world. Are you ready?


Questions. I get a lot of them. I thought I’d share some of the most often asked ones, in this and future blogs. Who knows, maybe you’ve been wondering the same thing. Or, maybe you have a better response than mine. Let me know…

1. How is underearning self-imposed?
If you look at the 10 traits of an underearner—for example, they talk as if they’re trapped; they give away their power; they are self-saboteurs, codependent, vague about money and often anti-wealth—you can see every single trait is a result of a choice we made.

2. What is one thing I can start doing NOW to live up to my full potential and earn what I deserve?
Do what you’re most scared to do. The number one requirement for going to the next level in your life is the willingness to be uncomfortable, to do what you think you can’t do. Don’t worry if you’re not sure what that may be. You’ll know exactly what it is the moment you hear yourself saying “I can’t do that,” or “Oh no, that’s impossible.” Fear always points the way to growth.

3. I’m great at saving, but I shy away from investing. I know a lot of other women do too. Why do we do this?
Because investing seems so complicated and overwhelming! “And we women are so damn busy, who has time to learn?” That’s how I felt—until I realized that it’s a matter of taking small steps, doing a little something every day, like reading the business section of the newspaper, perusing financial sites, watching PBS nightly business report, taking classes, talking to others about money. Watch what happens after 3-6 months. Then find a financial advisor you can trust (I wrote a booklet that tells you how, available on my website).

4. Women entrepreneurs are notorious for not charging what they are worth. How can I overcome this tendency?
By valuing yourself, believing in what you do, then speaking up and asking for more because you know you’re worth it. That’s what I had to do to make six figures. I had to raise my fees, bargain harder, even though I was scared to death to do it. Not everyone agreed to pay my higher fee at first, but enough did that my income went up significantly, without having to work any harder!

5. You say that focus and intention are critical to overcoming underearning. Why?
One of the most “popular” ways intelligent, talented, ambitious women keep underearning is by being scattered, unfocused, pulled in too many directions. They may be genuinely motivated to make money, but they don’t realize that stretching themselves too thin dilutes their energy and is an act of self sabotage.

Does any of this ring true for you? I’d love to hear your thoughts!

skydivingAre You Playing Full Out? It’s an important question. Your response determines whether you’re creating the life of your dreams or settling for mediocrity.

From my interviews with financially successful women, I learned there are two games to play:

  • The Underearning Game
  • The High Earning Game

The Underearning Game is called Not To Lose. The goal is to stay safe, look good, and be comfortable. The way to play is by avoiding uneasiness or fear.

The High Earning game is called To Win. The goal is to go as far as you can with all that you’ve got, and when you fall down, you get back up and keep going. The only way to play the high earning game is to play full out.

Problem is, sometimes it’s hard to tell which game you’re actually playing. There are times when I swear I’m giving my all, when later it hits me—I was fooling myself. I really wasn’t playing a true full out.

So I devised the following list to help you assess which game you’re really playing.

Ten Signs I’m Playing Full Out

  1. I know what I want and am committed to getting it. (And if I don’t know, I devote time and energy to figuring it out).
  2. I am so focused on my vision that I don’t get distracted or scattered by irrelevant, draining, or conflicting tasks.
  3. I am willing to experience whatever it takes—defeat, embarrassment, even humiliation—to achieve what I want.
  4. I am always doing things I’ve never done before and/or don’t want to do.
  5. I make at least one unreasonable (i.e. scary) request a week.
  6. I don’t say ‘yes’ when I really want to say ‘no,’ even if it means rocking the boat or upsetting another.
  7. I regularly seek out support, and refuse to spend time with or discuss my dream with naysayers (even if they’re related)
  8. Every time I’m afraid to do something, I force myself to do it anyway. (And I catch myself when I try to justify not doing it.)
  9. I am rigorous about the thoughts that I think and the words that I use, making sure they’re positive, supportive, and appreciative (of myself and others).
  10. I take time to relax and pamper myself so I don’t burn out.

What do you think of this list? Is there anything you’d add?