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# Change your Perspective on Money Matters.
 by Nov 3, 2024, , 
#### Your Environment Impacts Your Finances, You can change your perspective though.
I grew up in a hardworking but poor family environment, and maybe “poor” is a bit too strong a word. I don’t really remember not having the things I needed. There were always the basics like food, water, clothing, and warmth. I was privileged with a mostly safe and secure housing situation. I do remember that money, or the lack of, was ALWAYS a conversation that was prevalent in my household growing up.
We had to scrap and save and money was definitely a force of frustration, tension, and resentment in my youth.  What’s more, is the guilt that comes from needing or wanting something and asking for it.  I learned that needing and wanting money was wrong. I also learned deep rooted beliefs like “money is the root of all evil” and “someone else needed it more.”
A hand holds a rolled-up twenty-dollar bill against a blurred background of dark, leafy trees. Showing that you can change your Perspective on Money Matters.
#### Become a Business Owner!
I thought that becoming a business owner would help me.  And it did. When I was working in the corporate space and still had my 9-5, I was able to generate additional income as a business owner. My main job held down the fort and all the things in the fort. Then, I paid off debt and lived the life I wanted with the additional income from my business.
When I left my corporate position in 2022 and became a full-time business owner in 2023, I thought I’d be making money in just a few months.  And I did, I pulled in some revenue. But I also over-leveraged myself and ended up in a spot that made life hard in the here and now. I’ve been doing this for almost 2 years now. I can say that sometimes, anything to do with “money matters” feels difficult.
#### Perspective Shifting on Money Matters
Last year I attended a fantastic session where we dove into financial wellness under the idea of creating financial freedom.  The person instructing obviously had a more affluent client base than I was but I learned so much.  There were some very relevant things that I implemented right away.
Much of these lessons have helped me to shift my perspective on money matters. It’s allowed me to feel more comfortable (and dare I say in some situations) enjoy addressing my money matters.
#### Here were the takeaways:
##### 1) Writing down your financial freedom vision –
Financial freedom is just a vision of how you will spend money when you have it. It starts you with a foundation to know what your life will look like when you become financially free and what you need to do in order to become financially free.
##### 2) Changing your relationship with money –
Finding ways for you to enjoy looking and spending time on your finances again.  The person who ran the show recommended “Money Dates.” This is an awesome idea to make the time that you schedule to do your finances something to look forward to.  I loved this concept so much that I decided to put a “Money Date Monday” on our community calendar for the Perspective Shifters hub.  I also scheduled 15 minutes into my day. If I’m just looking at it for 15 minutes here and there it doesn’t seem so difficult.
##### 3) Cashflow the game –
Penelope also played a game with us called “Cashflow.”  It was a bit different because it was on the computer and over Zoom, but she encouraged us to get the game and try it.  I have two teens and it has been a great investment.  The kids enjoy it and have realized it’s an expanded and more in-depth version of Monopoly.   I enjoyed this game and I like that there’s a template for you to see where you’re at financially.  It takes a little bit of work to get set up. However, if you implement that system, it will help you get a good handle on your business.  The entire focus of this game is expanding your regular passive income so that you can exceed your expenses.
##### 4) Money buckets –
Your money bucket is the bucket that your money will fit into.  When I took this class I was keeping track of all the cool things that had happened to me financially. I was putting notes and money that I’d found into a chalice next to my desk.  It had filled up for the year.  I fell in love with the mantra that Penelope sent me: “My money bucket is always expanding.” I found and changed my “gratitude bucket” to a larger money container.
##### 5) Profit First.
Okay admittedly, she wasn’t the first professional money expert to tell me about this book. She was the one, however, who shared it in a way that made me want to implement the process without even reading the book.  I recently read the book, on loan from the library. I’m working on taking notes and compiling information for the Perspective Shifter’s Hub so that you can learn about it too.
#### Making a Shift
Listen, there’s not a one-size-fits-all all for money challenges, but there are things you can do to get better. What I’ve found, is that going from “ugh” to “cool” and “let’s do it” has changed the way I enjoy my financial projects and focus.
Finding a financial advisor/expert has been a bit of a challenge since we started the Perspective Shifters Hub. In fact, we’ve re-branded so that we’re not saying “expert” any longer. We want to help people with their financials and give them guidance and education, but not without the proper expertise. Ultimately, doing that needs to be done with care and concern.  Additionally, We want to make sure that our specialists are taken care of, and claiming the title “expert” can get sketchy with financial regulatory bodies.
#### Who to go to for support on your perspective on money matters:
Penelope Jane Smith hosts the wonderful event that I mentioned above and all you need to do to attend and claim a full scholarship for that event is to click here: <
Another person who can help you shift your perspective on Money is Nicole Majik. She hosts workshops that get us out of our money blockages and into the next layer of limiting beliefs so we can crush our goals.  Her workshops give some unique perspectives about our limiting beliefs and the angst we bring to the table about money.
During my first workshop with her, I uncovered that I had a limiting belief about others needing money more than I did..  She helped me remember the moment that it had held me back recently, and then I was able to connect that to the moment in childhood that it was stamped on my subconscious.  Through working with Nicole I have been able to move past that limiting belief.
Lastly, check out organizations near you who are community focused. Thrivent is a great resource and they have classes as well as financial advisors who will help others within their community.
#### How I’m Shifting
Things aren’t financially perfect for me.  Some might consider me to be “in trouble” with the amount of debt to income that I have. On the other side, I’ve been in worse situations and I know that my finances are not the only thing involved in my happiness.   I’ve realized that my finances are a very small portion of my happiness.  I want to let you know that I am still paying attention to my finances, and I invite you to joing us while we figure things out. We can exchange ideas, tips, tricks, and insights like these.  You are welcome to come and learn during our Money Date Mondays.
The hub is a great place to share and find the insights you need to make a profound perspective shift in money matters, as well as other areas of life. It’s all in one place. 
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#### Stephanie Kunkel
My name is Stephanie Kunkel, and I'm the founder of the Perspective Shifter's Hub. I meet people where they are on their mental health and professional development journeys and connect them with resources, tools, and support to shine in their most aligned and thriving life.
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# Tipping the Scales of Work-Life Balance
 by Oct 14, 2024, , , , 
### Are you or your team tipping the scales of “work-life balance”?
We are in the midst of a mental health crisis and 59% of your employees are quiet quitting.  18% of your employees are loud quitting. Your team is telling you that they’re washed up, burned out, needing mental health days (or weeks.) You feel out of control and that’s understandable but you aren’t alone. Many teams are tipping the scales of work-life balance.
#### Let me ask you a question about mental health.
What do you want most for your team? Hold on, let me clarify – I didn’t say “What do you want most from your team…” I asked, “What do you want most for your team?” There’s a difference, and it’s a big one.
On any given day, your team comes to work and they trade their time (approximately 6-8 hours a day or more) for Money (their salary.) Now of course, depending on your industry, they may trade more effort for more money or vise versa.  Anything you receive beyond that is a bonus for you. Anything they receive beyond their base salary/paycheck is a bonus for them. However, no matter how much money they are receiving, if their mental health continues to suffer, they will leave.
### Every leader has different goals for their teams.
Every leader has different team goals and every employee does too.  You may want a team of experts who know their job inside and out and who are all eager to climb the corporate ladder.  Who doesn’t want a team that provides a great workplace atmosphere? Great employees can make a difficult job alot more fun. Some may even want a team that overachieves for every metric or strives to get the maximum bonus payout at the end of your year.  But what does your team want?
Every one of your team members has different long-term and life goals and aspirations. Some of them want to climb the same ladder that you climbed, while some of them could care less about the ladder and are there because their paycheck provides them a means to an end. Most of your employees sit comfortably in the middle of those two attitudes. The question for you stands somewhere in the middle too… What do you want for your team?
### I want to shift your perspective.
If you want your team to be a pipeline of leaders, the highest performers, or the funniest and most engaging team members you’ve ever worked with that’s fine. However, that is what you want FROM your team, and it should be spelled out in your expectations of them. I argue that what good leaders want for their team is for them to come to work every day and experience fulfillment, inspiration, clarity, and growth. I also believe that good leaders want happiness, peace, fulfillment, and love outside of work.  That’s why it is so important that our leaders start to shift the way they approach their teams.
### Leadership is about more than growing the company.
Your leadership responsibilities are about more than growing the company.  Yes, of course, those should be a key focus for you, but that is your responsibility, not your team’s.  It’s through your guidance and leadership, as well as your execution and empowerment, that your teams get an awesome opportunity to impact the growth of the company, but the responsibility for that growth lies with you.  Many people champion the idea that the growth of the company lies with every individual on the team. Sure, there are going to be times when your team has to hold the weight for others, including you but the only true growth that each individual is
### Leaders have a responsibility to balance the scales
The responsibility to help their team beyond training and development rests solely with leadership.  Not those in the board room, but you.  If front-line leadership doesn’t take the responsibility then who will?  Board rooms and C-suites are too far removed from what your employee’s day-to-day looks like… That rarely gets brought up in board meetings.  But, your team spends 40 hours a week with you (we’ll say – on average) That’s more than they spend with their families and friends.  What you say and do has a direct impact on your team’s mental health.  Your team works for you, but what do you do for them?  How do you support the ability for them to find happiness, peace, fulfillment, and love?
### Shifting Perspectives on work-life balance
This is a complicated discussion but the fact remains that we need to shift the perspectives on mental health in the workplace. We need to make it easier for teams and leaders to find a steady flow, rather than continue tipping the scales of work-life balance. Recently I did a podcast interview with John Skomski on “Think. Live. Repeat” about shifting Perspectives.
“Think.Live.Repeat.” gives you behind-the-scenes access to transparent conversations with some of the world’s most influential authors, speakers, and celebrities. You will get tools for going the distance and putting anxiety, panic & negative self-talk in the rearview mirror.  It’s all about choosing to INvest INward – both in yourself and in the people around you. There will be stories to make you laugh and advice that will leave you motivated and inspired to level up. New episodes drop every Tuesday…join the INvest INward squad today!
I loved the conversation John and I had on understanding mental health and why it’s so important for leaders to step up to the plate so that we can find a way to reduce the rates of Mental Health Crises right now. To listen to that episode check out: <
**For more of John’s Episodes click here:**
<
### Are Leaders responsible for the mental health of their employees?
Listen, the thing is that as a leader your job description never said anything about emotional intelligence or understanding mental health, BUT… With 30% of adults having been diagnosed with depression – and only 40% of employees thinking that their employer is trying to help them upskill, it’s our responsibility as leaders to invest in our employees and ourselves.  Invest in understanding how to motivate the 59% of employees who are quiet quitting.
Yes, it’s a wise investment for your company, but it’s also a wise investment for you.   This information and understanding doesn’t go away it stays with you through this job and the next, with this team and the next, with this crisis and the next.  It’s time to change the way we perceive our responsibilities to our team… You can’t change them, but you can attempt to understand and sometimes that’s all the change they need.
### Opportunities to Shift
, recently hosted a Mental Health at Work Summit: Perspective Shifting on Leadership Responsibilities.  I invite you to check out the replays here and sign up for our mailing list to get updated on future events.
You can watch the replay by joining: <
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