The Money Mindset Villains.
I'm going to cut straight to the point. Within the personal finance industry there is an overemphasis on debt. Cut your spending! Slash your expenses! You better not buy that lipstick! Forget about that vacation! The reality is this- nobody is getting rich off saving a few dollars here and there.
Yes, debt is a component of managing your money, but it's not the only component. The other components to money management include earning, investing, saving, and spending.
Yet there is an undeniable sense of urgency and obligation put upon folks to "get out of debt fast." This is often at the expense of one creating generative and sustainable money practices which align to your values and take into account the season of life you are within.
This urgency and narrow focus on debt when it comes to money management is palpable. It's fragmented. It's lacking. It's harmful. It doesn't have to be this way.
Here is what I want you to know.
The Money Mindset Villains are messing with your money and your mind.
Villain #1 - Debt Shaming Culture
Villain #2- The Mindset Masquerade
Debt Shaming Culture and The Mindset Masquerade lie to you. They get in the way of your dreams and the aspirations you have for your life. They get in the way of you having clarity and being attuned to what is right for you when it comes to your money.
They get in the way of you having self-trust when it comes to making money decisions. They leave no room for analysis nor accountability on how institutional systems of oppression are designed to make it harder for marginalized folks to create assets (e.g. purchase a home, access non-predatory loans and access to credit, acquire land and property, attend college and trade schools to earn higher wages, etc.)
They perpetuate harmful thoughts and behaviors that get in the way of your change, progress and growth when it comes to your money.
If any of these thoughts, feelings, and behaviors sound familiar to you- know that you are not alone. I want you to recognize these Money Mindset Villains so you can disrupt and disarm them from impacting your mind and your money.
You are not the problem- they are.
I Want You To Know.
I want you to know you can trust yourself to make sound, solid money decisions.
I want you to know the feeling of having ease and flow when it comes to your money.
I want you to know that you can flourish financially- yes, even with debt.
I want you to know that your personal thriving is a good thing.
A damn good thing.
Press the "play" button to hear a special message.
The "Debt Reset" Intensive.
Over the course of 6 weeks we will cover both the inner work and outer work when it comes to your money and your debt. We will leverage my Debt Reset framework for dissolving debt shame and getting into your power.
When it comes to managing your money, the inner work starts with cultivating self-trust. That means paying attention to the feelings coming up within you. That means listening to your gut. That means following your instincts. That means understanding how you make decisions, upholding your values, and using discernment in understanding how The Money Mindset Villains impact your mind and your money.
The outer work includes understanding the language of finance and leveraging this knowledge to make sound decisions when it comes to your money. You will get pragmatic debt management tools and templates to help dissolve shame and create clarity when it comes to your debt.
The "Debt Reset" Intensive
Content Module Summary
(scroll down to see course details for each module)
Within Module 1 the focus is the inner work of cultivating self-trust with how you make money decisions. This is foundational to having sustainable money practices.
The lesson for Module 1 will be available on Monday, 10/4.
The Group Call for Module 1 will take place on Saturday, 10/16.
Integration period for Module 1 takes place during Week 1 and Week 2. (This is a recommendation only- it is not mandatory).
Within Module 2 the focus is on the outer work of building financial literacy and leveraging this in making money decisions. You will receive tools for creating sustainable debt pay-back plans.
The lesson for Module 2 will be available on Monday, 10/18.
The Group Call for Module 2 will take place on Saturday, 10/30.
Integration period for Module 2 takes place during Week 3 and Week 4. (This is a recommendation only- it is not mandatory).
Inner & Outer Work
Within Module 3 the focus is on applying learnings from the prior modules "in real life" situations. Given the program timing, the focus will be on making money decisions during the holidays.
The lesson for Module 3 will be available on Monday, 11/1.
The Group Call for Module 3 will take place on Saturday, 11/13.
Integration period for Module 3 takes place during Week 5 and Week 6 (This is a recommendation only- it is not mandatory).
Get the 2 Bonuses when you enroll by Saturday, 9/18.
You will receive downloadable access to the recording "Where The F*ck Is My Money"- a three hour training. I cover cash flow, savings, budgets, and how to get rid of Disappearing Money Syndrome (where you have money coming in but don't know where the f*ck its going). I've never offered this as a free download- which means you can save this recording and come back to it again and again... This is unprecedented access.
You are invited to join an extra Group Call taking place on Saturday, 10/2. Bring your questions about cash flow, budgets, debt, Disappearing Money Syndrome and basically any question or topic you want to cover when it comes to making money decisions.
Scroll down to see details and what you will learn within each module
Module Available on Monday, 10/4
Money Scripts: Feeling stuck in painful patterns about money is real. We may think there is something wrong with us- that we just aren't "good" with money. Learn to "flip the money script" to create money momentum.
The Money Mindset Villains: They lie to you and get in the way of your change, progress and growth. They get in the way of your self-trust when it comes to your decisions about money. Learn how to disarm them when it comes to your mind and your money.
The Money Cycle: Money flows through different stages of the Money Cycle based on your behaviors, decisions, and the season of life you are within.
Learn the language of finance how to apply this knowledge when making money decisions.
Group Call #1
Saturday, 10/16 from 1pm-2pm EST
This program was designed for you to move at your own pace with a focus on learning and integration of what you've learned. Weeks 1 and 2 are primarily focused on the "inner work" of understanding how you make money decisions. So whether you've taken the plunge and worked through all the content from Week 1, or are still "dipping your toe in"- the intent is for you to work at a pace that is right for you.
Come to the call to get your questions answered and learn from others. Show up as you are!
Module Available on Monday, 10/18
The "Debt Reset" Practice: There is a popular belief that defines financial freedom as having zero debt and being able to "retire early." Based on this definition most folks will never "be financially free." I call bullshit. Learn how to disentangle the notion that attaining "financial freedom" is contingent on your debt status. The Debt Reframe & Debt Analyzer Tools: You will get pragmatic tools to know your numbers when it comes to your debt. When it comes to credit card debt, often times there is so much fine print (daily APR, prime rates, etc.) that we can gloss over the very details that are most important to understand when making money decisions. Create your customized debt payback plan. Learn how to decipher and break the code of the consumer debt industry.
Group Call #2
Saturday, 10/30 from 1pm-2pm EST
Weeks 3 and 4 are primarily focused on the "outer work" of knowing your numbers when it comes to your debt. This may mean gathering data you've never collected until now. Maybe you are in unknown waters as you navigate conversations with loved ones about money and debt. Perhaps you've been able to confirm and validate you are on the right path for you when it comes to your money.
Come to the call to get your questions answered and learn from others. Trust your process.
Module Available on Monday, 11/1
The Holiday "Anti-Hustle": For many, November and December are months where holidays are celebrated. And this can entail making decisions around your money, time, and energy which are unique to this time of the year. Learn how to bring ease and flow into the holiday season when it comes to your money, time, and energy.
The Online Purchase Tool: During this time of year, retailers are doing everything they can to create urgency when it comes to online shopping. Learn how to plan & prep for your online shopping.
Sustainability Practice: Leveraging insights from your inner work this is where you will explore different methods to build and cultivate self trust when it comes to your money. Learn what works for you in creating a sustainable money practice.
Group Call #3
Saturday, 11/13 from 1pm-2pm EST
Weeks 5 and 6 are bringing together both inner work and outer work when it comes to resources of money, time, and energy. Perhaps you've uncovered areas obligatory spending that you want to adjust. Or maybe there are new traditions you want to introduce this season. As we close out the program, upon reflection there may be 'aha' moments or more areas for you to explore. This may be end of the program but it's not the end of your journey.
Come to the call to get your questions answered and learn from others. Celebrate your progress.
Below are key program dates put into calendar view
I'm Naomi Clark. I help you enjoy your money and f*ck the patriarchy.
I graduated with a B.S. in Finance from The McDonough School of Business at Georgetown University, in Washington, DC. I believe in life long learning and practice continuous personal and professional education including with the AFCPE (Association for Financial Counseling and Planning Education). I have over 20 years of experience in corporate within Finance, Logistics, Supply Chain Management, and Project Management.
As the creator and host of The OutSpoken Girlfriend® podcast I combine the tools of personal development and personal finance to help folks achieve their goals.
I believe the greatest threats to women is the trifecta of sexism, racism, and economic inequality. This is why in 2019, I founded Her Money Map, LLC which allowed me to work directly with clients to create cash flow strategies that support their goals, dreams, and values. I help folks who are exhausted from following the “formula for success” and “doing all the right things” and yet find themselves feeling stressed out and worried about money and debt. Instead you deserve to feel exhilarated. I offer affordable workshops and programs for ambitious women and people who who are impacted by misogyny.
The "Debt Reset" Intensive
Timing & Pricing Summary
The "Debt Reset" Toolkit is a 6 week program.
1 payment of $250
2 payments of $125
Please email firstname.lastname@example.org to discuss alternative payment options
Early Bird Bonus is for those who enroll by this date:
Saturday, September 18th.
You will receive Module content sent to the email you registered with for the program.
Modules will include video training, slides, and templates.
Modules will be available and sent out on the following dates
Monday, October 4th
Monday, October 18th
Monday, November 1st
Early Bird Bonus Module will be available on:
Monday, September 20th
We will meet via Zoom
Saturdays, 1pm-2pm EST/
Recordings will be made available for those unable to attend meetings.
Meeting dates are below:
Saturday, October 16th
Saturday, October 30th
Saturday, November 13th
Early Bird Bonus Module Group Meeting on:
Saturday, October 2nd