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Ready to transform your relationship with money? 

In this episode, I sit down with personal finance expert Glen James to unpack the mindset shifts, practical tips, and financial strategies you need to create a more abundant life.

Tune in to discover: how to make a great income while working less, how to reprogram your money mindset, the truth about investing in property right now, what he wants everyone to know about crypto, and his simple 3-point financial plan to start building wealth today. 

So if you’re ready to upgrade your financial wellbeing and unlock a whole new level of abundance, then press play now — this episode is for you!

About Glen James

Glen James has been immersed in the finance industry for almost two decades and is one of Australia’s most trusted money personalities. As a former financial adviser, host of the ‘Money Money Money’ podcast (formerly ‘My Millennial Money’) and three-time author, he has helped thousands of people sort their money out and get invested for their future. His most recent book, ‘The Quick-Start Guide To Investing’, will help you get started on your investment journey and create the wealth you want.

In this episode we chat about:

• The remarkable story of how he reshaped his money mindset (2:39)
• The secret to earning a great income without working around the clock (7:00)
• How to tell if your financial strategy is truly viable (15:03)
• The power of sponsorship as a source of income (22:23)
• How to build an abundance mindset and achieve true financial freedom (23:10)
• How to stop feeling stuck when it comes to your finances (28:02)
• New to investing? Here’s where to start (36:24)
• The simple 3-point financial plan for building wealth and security (43:05)
• The must-read book he wishes was in every school curriculum (49:54)

Episode resources:

• SheLaunch (join here)
• Mastering Your Mean Girl by Melissa Ambrosini (book)
• Open Wide by Melissa Ambrosini (book)
• Comparisonitis by Melissa Ambrosini (book)
• Time Magic by Melissa Ambrosini and Nick Broadhurst (book)
• Sort out your money (website)
• Money money money (podcast)
• The Quick-Start Guide to Investing: Learn How to Invest Simpler, Smarter and Sooner by Glen James and Nick Bradley (book)
• Sort Your Career Out: And Make More Money By Glen James and Shelley Johnson (book)
• Sort Your Money Out: and Get Invested by Glen James (book)
• Attached: The New Science of Adult Attachment and How It Can Help You Find–and Keep–Love by Amir Levine (book)

Prefer To Read?

The following transcript has been automatically generated and not checked for accuracy.

Melissa: [00:00:00] In episode 631 with Glen James, we are talking all about investing, money mindset, how to make more money, property, crypto, plus so much more. If you want to up your money mindset and up your money game, this episode is for you. Welcome Ambrosini show. I’m your host, Melissa, best selling author of Mastering Your Mean Girl, Open Wide, Comparisonitis, And I’m here to remind you that love is sexy, healthy is liberating, and wealthy isn’t a dirty word.

Each week I’ll be getting up close and personal with thought leaders from around the globe, as well as your weekly dose of motivation so that you can create epic change in your own life and become the best version of yourself possible. Are you ready beautiful? Hey, beautiful. Welcome back to the show.

I’m so excited about this episode because [00:01:00] I love talking about money mindset. I love talking about money. It is a currency that we all use to exchange for things that we value. And I really believe that we vote with our dollar. So I’m so excited to dive deep into all things money today with Glenn. And for those of you that have never heard of Glenn.

He has been immersed in money and the finance industry for almost two decades, and is one of Australia’s most trusted money personalities. As a former financial advisor, host of the Money, Money, Money podcast, and three time author, he has helped thousands of people sort out their money and get invested for their future.

And his most recent book, The Quick Start Guide to Investing, has helped so many people get started on their investment journey and build the wealth that they want. Now, for everything that Glenn and I mentioned in today’s episode, you can check out in the show notes and that’s over at melissarambrosini.

com forward slash six three one. Now grab your pen and [00:02:00] paper or open the notes section on your phone and let’s dive in.

Welcome Glenn. It is so awesome to have you here. Before we dive in, can you tell us what you had for breakfast this morning? 

Glen: Ooh, I had an omelette with everything. I’m staying at a hotel at the moment and they’re like, here’s the omelette menu, choose three things. And I’m like, can you just put everything on?

They’re like, yeah, no worries. So I had an omelette and a green juice, like all the green things. 

Melissa: Lovely. I love it. I love green juice. Mm. So delicious. And now it’s getting warmer here. Yes. Bring it on. Now, my friend, I’m so excited to have this conversation with you. Your journey into finance, it’s inspiring.

Can you share what initially sparked your passion for money management? And how did your early experience shape your mindset around money? 

Glen: Yeah. So for me, I actually left school when I was [00:03:00] 16 and did an apprenticeship in telecommunications. And, but in my teens, I was always interested in money. Personal finance, weirdly.

And I would find myself, I remember going to a, a weekend community college course about shares. And I’m like the only 15 year old kid and the rest of like 65 year old retirees learning about shares. So for me, there was always this underlying passion about personal finance. Don’t know what it was. I used to like watching the show money.

Melissa: From your parents? 

Glen: No, no, definitely not. I always liked watching the show money on channel nine back in the day. And I don’t know, I just, just, I don’t know, there was always something there. And after my apprenticeship, I, I’m like, I want to do something. Cause I knew as a, uh, a late teen, early twenties that I need to work with my mind, not my body.

And [00:04:00] I need the chance of. Not trading my time for money because that’s the most appealing way for me to earn an income. And I enrolled in a A diploma in financial planning and did that through a community college and not a community college, like a private college and went out to get a job in a financial planning office.

The very bottom of the bottom started at like a reception area, getting the mail, doing all that stuff, then got promoted up to client services, then power planning, then associate advice. And then I started my own business as a financial advisor. I started the business from scratch. I didn’t. Have any debt in the business, every single client I’ve got one by one.

I did that business for 10 years and sold that business in 2019. At the end of the business, I was doing podcasting as my side hustle, because at the time there was no, [00:05:00] that I could see personal finance podcast for Aussies, by Aussies that was known. So I’m like, all right, started a podcast at the time I called it the My millennial money, it’s now called money, money, money.

And that really took off and I’m like, well, I want to do that more than I want to do financial advice because I had a really successful business. I was on the board of an industry body. I was at the top of my mountain and I was bored. I was like, the view is good here, but I need another mountain. I need another challenge.

I’m a builder at heart, I think. So yeah, sold the business and went all in on the podcast. And we’re in our seventh year at the moment. 

Melissa: So you don’t do any financial advising anymore? 

Glen: No, a hundred percent podcast business. Yeah. 

Melissa: Wow. I love that so much. 

Glen: Yeah. It’s really cool. Like, I’m just so fortunate to be in a position where [00:06:00] I love what I do, which is a challenge because I’m all like, I was talking to my girlfriend the other day, she’s like, I’m not going on a holiday with you if you’re on your laptop next at the poolside.

I’m like, well, the problem is if I’m relaxed on a holiday and I’ve got nothing on my mind, Inspired to get creative and I want to do stuff and I enjoy what I do and I’m paid very well for what I do. And I’ve got lots of time and lots of options and I really live life on my own terms. And it’s, It’s an amazing opportunity and to be a content creator full time and only, I could probably get away with working two days a week if I wanted to, I just enjoy what I do.

So I’m always working and I think I actually work more than I think I do because it’s not work to me. I retired from the workforce at 25 when I started my first financial advice [00:07:00] business. 

Melissa: This is the dream for most people. Like this is what most people want. Work two days a week, doing what they love, making a handsome income.

So how did you do it? 

Glen: Well, it’s a great question. And I think for your audience, particularly you’d have a lot of business owners, right? Or people that are aspiring to do something. So what I did first, I saw a potential gap in the market in Australia. So I want to start a podcast. And I knew from an early age, like it’s the mindset thing.

Like we talked about mindset over on my podcast before. I really knew that I had to not trade my time for money. That was like my baseline. I can’t trade my time for money cause I’ll cap out. And then I had to test the market. So I, the first podcast I started sucked. So I ditched it and started my millennial money, just changed it completely.[00:08:00] 

And what I did, and this is how you do it, right? You’ve got to commit to a period of time come hell or high water once you’ve tested the market. So I knew that what we were doing had legs. I had some metrics that I wanted to follow. And then I said to my co hosts, when we started it, we’re doing one episode every single week for the next 12 months and we are not making a decision.

Whether we’re stopping or going again until that 12 months is up because you need to be consistent and you need to just rock up every week and deliver. And the only metric that I was looking for. Was signs of life and audience growth at the time. And within the first two years, we started making money.

I actually went to a conference in the U. S. called FinCon. And I [00:09:00] remember sitting in a, and this is so amazing, and this is why anyone listening to Melissa’s cast, you need to lean into this crap if it scares you. I went to a conference and I heard a keynote from a dude and he’s like, Yeah. I’ve got a blog.

I make 60 grand a month on the blog and I’m, I sat there deflated. I’m like 60 grand a month online. What? It blew my mind. But fast forward a couple of years ago, I was on the AFR fast starter list, 35th or 6th fastest growing startup in Australia. 60 grand a month, don’t get out of bed. Like, that sounds crass, but just for those who are trying to grind.

I needed to be scared and I needed to hear we, you hear the six figure businesses, seven figure businesses that you teach, it is possible, but you need to have a strategy. And bloody stick to the [00:10:00] strategy and keep going when it doesn’t feel like it’s working, but set a time, I set 12 months, I’m not making a decision we’re doing every single week, I don’t care every single week, whether we get one listener or a thousand, we are stopping and we’re coming up for air in 12 months.

And within the 12 months, it was when I decided that this is really taking off, I need to sell my business. The weird part was selling a business and having a heap of money in the account and not generating an income off my podcast. And this is where the risk discussion comes in, where you need to calculate risks and make a judgment call based on, because there are actually good risks to take.

And I knew that in my gut, my intuition, I felt like I could do it. I had started to get some sponsorship money. I’m like, I think this has legs, but [00:11:00] the biggest risk in all that I created that I had to step into was literally living off the capital that I got from the sale of my business. And I, I had to see it as a mindset and we’ll make a number up everyone.

I was earning probably drawing 200 grand a year out of my financial advice business, right? As a salary. When I sold the business. 200, 000 a year to fund Glenn James’s lifestyle had to come from somewhere, right? Just because I sold my business, I still had a 200, 000 a year lifestyle linked to that income.

So what the mindset was, no, even if it was 12 months, right, I’ve got to invest that 200, 000 back into me because I need to be financially okay. [00:12:00] To give all my energy, my emotions, my soul into this new thing that I’m doing. And that was the risk. And you can eliminate risk in your life and in your business.

The risk isn’t actually all that big. The risk is mitigated when you put things in place before you take the risk. The risk is just the execution. So everyone’s like, Oh, it’s a big risk to quit your job and start your business. Or it’s a big risk to do a sheet launch, for example. Well, if you line up your docs.

When you execute and make that decision to enroll in SheLaunch, the risk is actually minor because you’ve funded it, you’ve set the time aside, and you’ve unpacked that risk. So it’s actually not even a big deal. I’m a big believer, yeah, mindset 100 percent helped me transition to a 100 percent online business.

In my books, I talk about loot, life on own terms. In the money world, there’s this saying, you may [00:13:00] have heard of FIRE, financial independence, retire early, right? And when that started out of the States, it was the premise where we basically live like a tired ass for 5 or 10 years, 10 years probably, save as much as possible, then I can retire, then I can do my site hustle, then I can, and I’m like, that kind of sucks, doing something I hate for 10 years.

Then to stop, I’m like, let’s live on our own terms today. I have only met one person who’s a legitimately fired financial independence retire early, who has retired at under age 40 and literally does their hobby and gardening and skiing. And most people need purpose. Most people can’t do their. If you like sewing, you’re not going to sew all day.

I like boating. I don’t, I would not take my boat out every day. We need purpose. And the [00:14:00] sooner that you set the thing where I’m going to set up my life to live life on my own terms today, I’m going to do what I like. I’m going to make sure what I’m doing is aligned with my values. Then the money will come.

The money’s the easy part, to be honest, got to set up the systems, the processes, and the mindset. But testing the market for what you’re doing is the hygiene thing. 

Melissa: Yes. 100%. Oh, so much gold here. So much gold. My dad has always said to me, he is an entrepreneur, has his own business, always has. He’s in his late sixties.

He says, I’m never retiring. He’s like, I love what I do. And then he’s like, what else would I do? What would I do? He’s recently gone to four day work week, so Monday to Thursday, which he loves. And he’s a boating man. And on Fridays, he spends his day on his boat, tinkering on his boat. I’ll call him and I’m like, dad, what are you doing?

He’s like, just tinkering on my boat, darling. Like that’s what he loves. That’s what brings him joy and his children and his grandchildren. And so [00:15:00] there’s so much gold in what you’ve said here. So how do we test to see if what we are doing is viable, if it’s got legs? 

Glen: Yeah, so I’m literally, and this is, I was telling a friend about this the other day.

She’s like, Oh my gosh. You’re so smart. And I’m like, no, I’m just like getting out there and playing the game. As an example, you need to test small and test in real time and test live. I’ll give two examples. One example, this is a real, it’s got nothing to do with business, nothing to do with money, but it’s a mindset thing.

Right now me recording this because I can work wherever I need to around the world as long as I’ve got my laptop and my microphone. I’m staying at Darling Harbour. I’ve got a keynote presentation this afternoon. Okay. Now that keynote, I think there’s 600 people in the room. I’m a bit nervous because the presentation I’m doing, it’s a new presentation and I have not done it before.

Right. So [00:16:00] what do you need to do? You need to practice, but get this, I’m not going to practice to myself. In my, like the podcast, I advertised that I was doing a webinar, free webinar. I literally organized the webinar. I think there was a few hundred people that joined and I practiced my presentation to the webinar.

So I got real time thing. And then when I was like, Oh, any questions? And then I knew the points that actually didn’t land. And so, but the business acumen and the vibe of it, and this is where you just always got to be. Trying to optimize everything you can, I actually got a sponsor for the webinar and I made money to practice it.

And then I’ve tweaked that webinar and this afternoon I’m going to teach it, speak it and get paid to do that. As a second thing, I’ve got, it’s a free course, Glenn’s Online Investing School. I’m about to probably take it down, but I’ve been [00:17:00] saying that for a year because I want to reshoot it. But for those who have watched that video, I wanted to do an investing course.

And I had not done that content live before. So I got 20 people around to my studio and did the presentation live in front of a live audience and also did a webinar to really just see, okay, yep, filmed it, put it up as a online course, sold it, but it’s now free, but it’s this testing and learning and not having a perfect, but the same thing, like before I started my millennial money now, money, money, money, I had a podcast called sort your money out.

And it sucked. Didn’t go anywhere. Strategy while doing something like that, delete that. And at the time what I did was, I think number one, you’ve got to be okay. And I do this all the time yearly. You look in your business and you go, what is working really well? What isn’t working really well? And guess what?

You get the big [00:18:00] scissors out and you cut the crap that isn’t working. I had a podcast with a dietitian that she was under our network. We called it My Millennial Health, Jess Spenlove. We started that. I’m like, it’s, it’s good podcast. It’s a distraction for our business. It’s gone. I gave it to her. Take it.

I had another one. Didn’t work. Gave it to her. So it’s this. I think your business is this, it’s an organism, it’s living and you always need to, I’ve been saying yesterday, I had nothing in my diary all day and I had one interview that got canceled because of bad internet. And someone said to me, what did you do today?

And I’m like, I don’t know, but what I say now is I just tended to the garden, just worked on the business, just businesses, like just tending. I didn’t build a shed, didn’t replace the fence, none of these big things, but you’ve always got to be working on the business. And what I would say, don’t be afraid to cut things that aren’t [00:19:00] working and double down on the things that are working.

So that first podcast I did, ditched it, wasn’t working. In my mind, I was like, okay. I need to make, I wanted to make entertainment first and foremost, because, and we were actually listed in the comedy category to start with, it was me, John and Aaron, and I wanted it so we could talk about money, lighthearted, not serious.

So if someone was looking through the comedy charts on their commute, like, yeah, let’s look at podcasts on money, yeah, like I didn’t want the person that would automatically go to the business section. I wanted to get the person that would want the entertainment section. And I basically duplicated commercial radio, two dudes and a girl.

That formula works, right? And we just did that and it took off, had fun. It was lighthearted, fun, entertaining. I want to create infotainment. But the first iteration of the podcast was me interviewing people. And I do a lot of that now, but at the time it wasn’t the hook that I needed. So [00:20:00] you’ve got to commit to what you’re going to do.

You’ve got to be very clear of your strategy. Strategies work, businesses work, investing works, people don’t, you’ve got to outsource that to, and you’ve got to commit to it and you’ve got to cut things that aren’t working and don’t be afraid to go, this doesn’t work, I’m out of here. Don’t be afraid as well.

Like I use the example, I wanted to buy with a friend a few years ago, I was probably 10, 15 years ago. I’m like, let’s buy a Domino’s pizza franchise, I reckon it’ll be great. There’s always pizza, blah, blah, blah. At the end of the day. The dumbest idea in the world, because you can be the best baker in the world.

You can be the best pizza maker in the world, but you could suck at running a business. You could be the best business owner in the world, but you don’t know how the pizza business works and the bakery business works. So it will end up sucking. What I’m saying is [00:21:00] for those in business, what you do of a day.

needs to be hygiene. So you may have someone join SheLaunch who’s a HR consultant, right? The moment they step over that threshold into, I’ve now left my work in HR. I am now a HR consultant. The moment that you step over that threshold, the HR stuff takes care of itself. That’s hygiene. You’re a HR pro. We get that.

You are now first and foremost a business owner and you’re now first and foremost have a responsibility to generate an income, pay your staff, but also a lot of business owners. You’ve got to be very, very, very unapologetic for making a profit. Now, when it comes to profit, you’ve got to see the profit as.

the premium that you receive for taking a risk that no one else is willing to take. That’s how insurance companies work. You pay them a [00:22:00] premium, they carry the risk. If you crashed your car, here’s 50 grand, here’s a new car. When you’re a business owner, I employ seven people. I make a lot of money. I make lots of profit.

Bloody hell, I should, because I carry a risk. Like an insurance company and I’m rewarded for taking that risk with profit. 

Melissa: Yes. Beautiful. Perfectly said. Love it. So you make money through sponsorships. Is that solely how you make your money? 

Glen: No. Well, when people say, how do you make money anyway, possible, basically, as long as it’s legal and ethical.

A big part of our business revenue is advertising and sponsorship. Another big part is we generate mortgage, broking, and financial advice leads. So that’s another part of our business model, online courses, my speaking, webinars. One of the most profitable things I reckon in my business is my email must, I sell ad spots in that.

Yeah. So anyway, possible. And like any, you’ve got to just diversify as much [00:23:00] as possible. And then throughout the year, AdRev might be down, but this side’s increased. And you really want to try and have an always on revenue source. 

Melissa: Now I want to talk about money mindset because it’s so important. So many people have a lack mindset.

So many people have that scarcity mindset. I teach this inside SheLaunch, there’s a whole module on mindset and then money mindset. Have you always had an abundant mindset or was this something that you worked on? And if you did work on it, like, how did you get to that place? 

Glen: Yeah, I think I, like for me, my mindset growing up was credit card bad, no consumer debt.

So my parents never had any type of consumer debt. So I knew basically if you don’t have the money, you can’t afford it. Pretty simple, right? In terms of one of the biggest flashpoints in my life was from my mentor when it was just such a chance encounter. I was working at a business here in Sydney. [00:24:00] He joined the business, was there for maybe 12 months.

He was maybe 10 years, 12, 13 years older than me. We sat next to each other. We’d get lunch most days together. He was a very wealthy guy from his own endeavors and his mindset shifted the way I thought about everything. I’ll give you some examples. He was basically, you’d make the comment, Oh, you can’t have it all.

He’s like, why not? Like, it’s just like this. Why not? We went, I remember once there was like the Powerball, it was like a hundred million dollar or 30 million thing. We went for lunch once and we’re like, let’s buy a lottery ticket. And I’m like, what? We bought the lottery and the next day we went to check if we won and we didn’t win.

And this is what he said. He just shrugged his shoulders like, just have to earn it. I guess like that was his mindset. I’ll just have to earn that 30 or 40 million. He was around people. He would have stories where. a friend of his, I [00:25:00] won’t mention who it was, but like would pick him up. He lived from Gunnedah.

He was up in Gunnedah. Yeah, I got, old mate would call me one day. He’s like, what are you doing? He’s like, Oh, not much. Oh, I want to go and have a look at block land. We’re just leaving Sydney airport. We’ll land there in an hour. He rocks up at the airstrip and the private jet’s landing. He jumps in the guy, look at a block of land in Northern territory.

Like he had this bigger life and it really exposed me It was a real time study. There’s a book by Robert Kiyosaki called Rich Dad Poor Dad. I had a, I had a real time contrast with my working class dad and mum and community and life where don’t take risks, have a job, get a trade, you’ll be all good, versus you can do whatever you want.

I live this big life. He, he literally just, it was this thing that. When he moved to Sydney, he tracked down the EA of one of the big four CEOs of the banks, and he just called, [00:26:00] oh, I just, yeah, moved down here. Just thought I would see if I could catch up with the CEO and got a meeting with a big four CEO and just, he was a bigger personality and the money mindset of you can do whatever you want, if you want.

That was the, and then he really encouraged me to start my own business. And the miracle thing about it, we both, he’d worked where I worked for maybe, I don’t know, it would have been less than a year that he’d worked there, that I’d known the guy. When I quit my job, we both literally left the business.

His last day was the day after mine. So it was this kind of like, and then I was 25 year old, I didn’t have much money. And he said, you can do this. I’m going to write you a check. Back in those days in 2010, there were checks, apparently, I’m going to write you a check. It’s for you and to start the business.

I’m never going to ask [00:27:00] for it back. If you want to pay it back in a year, in a month, in 10 years, I don’t care, but I’m never going to ask. 

Melissa: How much was it for? 

Glen: It wasn’t a lot. It was probably less than five grand, maybe five grand. That was a lot of money to me starting my business back in 2010. And not only he believed in me, he actually backed me.

And yeah, it’s just amazing. And it’s just that mindset of you can actually do what you want, if you want. 

Melissa: What a beautiful man, what a beautiful mentor, what a beautiful experience. 

Glen: It was just a chance encounter. Like the fact that we both left that business within a day of each other. 

Melissa: And this is the power of.

Positive mentors, coaches. I’m such a big believer in having mentors and coaches. And look at that. Your life could have gone in a completely [00:28:00] different direction. Had it not been for this man. So what advice do you have for people who are stuck in scarcity, are stuck in lack, are stuck in, I can’t leave my job.

I’m too scared. I want to start something. Where will the money come from? Like, how do we reprogram our money mindset? 

Glen: So the first thing is your friends and family, while well meaning, can give you some dud advice. Okay. So what you need to do, and I say this on my podcast all the time. I’m like, Hey, I can really only encourage you.

And if I’m the only beacon of encouragement in your life, use me. Listen to my podcasts. I will absolutely encourage you. I will champion you. So you’ve got to be around people who are further down the line than you are. People who are equal to you [00:29:00] in that everyone’s equal, but I’m trying to say like same income or lower or same job or lower, no one further down the line than you will ever say, don’t do something or it’s not possible.

So you’ve got to, with friends and family, I’ll give you an example, with my friends and, well, particularly with my mum and dad. If I said, I’m buying an investment property, it might be, Oh, but what if this or what if that, and just that fear and worry might come out. I’ve now flipped it in my life with my friends and family.

Hey, mom, I bought a motorbike, told her after the fact, not, Hey, mom, I’m thinking about buying a motorbike. Huh? Don’t you dare buy a motorbike. But the same thing with your friends and family, Hey, mom and dad, I’m going to quit my job and. Start a consulting business. Oh, don’t, that’s risky, that’s unsafe. No, no, no.

Surround yourself with people who are on the [00:30:00] same journey or further down your podcast, things like that. Then do it and call them, flip the narrative. Hey, I’ve got the best gig. I’ve quit my job. I’m so excited to tell you about this. If you are talking to friends and family about that, I’m not after your approval.

I’m just after your support. That’s all I need. Simple as that. I just need your support. 

Melissa: Love it. You’re not going to them for advice. You’re just saying, just hold space for me. I love this so much. And this kind of goes for every area of your life, not just your business and your career, like parenting and health and travel decisions and everything.

Like be very discerning with who you seek your advice from. Like I’m the same as you. I would never go to my [00:31:00] parents for advice on health or certain things in my life. Just be discerning with who you are going to advice for. 

Glen: So that’s the soft side, the non tangible side. Now the other side of this, this, I learned this from my mentor.

When I first wanted to start my own business to be a financial advisor in Australia, you need a financial advice license, basically. Basically. And you go to a company usually and you pay them and they do all the compliance and give you the license. And I think for me it was at the time before I started my business, I talked to 13 different financial advice licenses and got a heap of rejection.

Mac had told me, he said, call the ones that you don’t want first to practice. And so what I did the first couple of like, Hey, it’s. My name’s Glenn. I’m thinking about starting my own business. Do you think I [00:32:00] could potentially get some information about how to be a license holder with you? Nah, go away. Now, at the time I already had a license through the company I was employed with, right, as a associate financial advisor.

Flipped the narrative. Okay, called the next one. Hey guys, my name is Glenn James. I’m currently an auth rep with so and so financial group just after some details of what’s required to come on board. See the difference there. Then it was a matter of, I looked at a few and then what I did, which not a lot of people would do this, I actually out of the 13 that I went to, one of them would only take me on if I provided a full business plan of how I was going to get clients.

Because they didn’t want businesses that failed under them. They were also the most expensive at the time and still to this day in the industry. [00:33:00] If you’re a financial advisor, you might pay a percentage of your revenue to the company that licenses you. So it’s not capped. At the time, they were one of the only ones in Australia that had a flat fee.

So for me, I chose the one that was hardest to get to and the most expensive in the short term because long term, flat fee, capped. And if I couldn’t do the hardest thing first, do a business plan, get serious, how was I going to succeed? But back to more of a soft thing that you could do if you are in a role and you want to make a change.

One, we’re not telling our fearful parents, you’re listening to Melissa and other good voices that will lift you up and before you, because we’ve done this, we’ve been in this position before. Then what I want you to do, just practice. Actually I wrote a book called sort your career out and make more money because I honestly believe the best investment you’ll ever make is in your career.

And I did a whole chapter on risk and we need to [00:34:00] work on the risk muscle and there’s a page in there with a diagram and at the bottom it’s like low risk, low return or like low risk. Anyway, it goes up to high risk, higher return. People think when I want to. Quit my job or start my business. It’s an all or nothing thing.

It’s like, I’ve got to quit tomorrow into a commission only role. No, no, no. You need to work on your risk muscle because there are some people that are listening who think it’s a risk to ask if they can have next Wednesday off, next Wednesday off to go to a doctor’s appointment. No, that’s just hygiene.

You’re allowed to take time off from work. You need to work on your risk muscle and then up the spectrum, I need you to work on that risk muscle in your career, in you and your life that you don’t put up with crap. So you, depending where you are in the risk profile, there are people that are listening who are too scared to have a sick day because that’s risky and work might look down on them.

Number one, it’s probably a big cultural issue at your work, but number two, you need [00:35:00] to work on that risk muscle and when it comes to that risk, line up as many ducks as possible before you execute, AKA take that risk. So if you are. Looking to, I want to be self employed one day, or I want to change my current role.

Seriously, get your CV happening, apply for jobs, go and practice, just practice on, go to interviews. I said to someone just two days ago, they’re applying for a new job, I’m like, go and do that interview. It’s not right, but go and practice, ask them about the business and just go and have a chat with them.

In your mindset, you need to change your mindset when you’re going for a job interview. It’s a two edged sword, right? One, you’re interviewing them, they’re interviewing you. See it as, I’m just going to have a chat. Now, off comes back to some basic financial things. If I go back to my bread and butter, there’s less stress in your life.

If you don’t have a consumer debt, you might have an emergency fund, you [00:36:00] might have a good money system. It’s easy to pivot your life into a new thing. If you’re not living week on week and you’re crippling credit card debt and all that, get your house in order. Then you can start to change your career because when you go for that new job, you’re not taking it out of desperation.

You’re going to something, not from something. 

Melissa: Yes. I love it so much. Now let’s talk about investing because obviously you talk a lot about this in your latest book. Where do people start if they want to start investing and setting themselves up? Where is the best place to start? Do you also believe that you should pay off your home, your primary resident first, and then go and invest in commercial property or small businesses?

Like what are your thoughts? 

Glen: Yeah. So when, where you need to start is you’ve got to go back down to your why, like why are you actually investing? [00:37:00] And I spend a whole chapter in the book about that. You’re why, and then the next chapter is about the mindset of an investor. You need to nail those two things.

Investing is easy. You can just set up an app tomorrow and put money into a share investment. That’s actually easy. The hard part is staying invested and it’s, it’s easy to get invested. It’s hard to stay invested, but what you need to work on is why are you investing now? The thing is, with your investing, you only want to put money into any type of investment, any type of growth asset, if it’s committed for at least five to seven years.

And you need to have a money system in place. So when Rego comes around next Thursday, you don’t have to withdraw 700 to pay your car Rego. So you need to start by having your house in order. In the book, I’ve got And you can just Google Glenn James sound financial house. There’s a video on YouTube. I teach people about [00:38:00] their financial life, building it as if it was a sound financial house.

We’ve got to build our life on solid foundations, financially speaking, the four foundations I talk about, getting out of consumer debt, having a cashflow system in place, having an emergency fund, getting your insurances together. And this is the fifth one, but two are the same and getting your wills and estate plan sorted.

So you’ve got to make sure you’ve got good money systems. You’ve got an emergency fund and you don’t have any consumer debt. Once you have your foundations in place and you do your budget, which would look at any other lifestyle goals, you should be able to say it costs us X amount per year to wake up of the morning.

Then we’ve got X amount leftover of that leftover amount. We’re going to put some of it to lifestyle goals and we’re going to commit some of it to future us. That future us could be buying an investment property. The future us [00:39:00] could be salary sacrifice to super. If you’ve got a job, you’re already a long term investor because you’ve got a superannuation account.

Future us could be investing in an equity portfolio of ETFs in your own name. So that’s the future us. The reason it’s so important to look at your why and what you’re investing for comes back to ownership structures. There’s six ways to own investments in Australia, broadly speaking, and I cover them all in the book and I talk about the pros and the cons.

the tax year on year, the tax upon disposable sale. And it’s just so much easier to know, yeah, I’ve got this money. I’m going to invest tomorrow. I don’t need this spare 200 a month now because everything else is taken care of. I’m going to commit this to super because I’m 50 and I can access it in 10 years if I retire.

And it’s the most tax effective way to do it on the planet. I’ll do it that way. But if you’re [00:40:00] 25 and you want to build wealth, yeah. Well, maybe give us some options and let’s do it in our own name or an investment bond. If you’re a business owner, I’ve got a discretionary family trust. Hold my investments through a discretionary family trust.

The trust is already set up, got some asset protection there. So the investing part is easy. Staying invested is hard. How do we stay invested? We’re very clear on our why. We are very clear that we’ve got our house in order. Back to your question about paying the house off first. I personally didn’t do that.

I’m actually what they consider a rent investor at the moment. I rent where I want to live and I’ve got investments elsewhere. I think it’s reasonable to have your mortgage on principal and interest. Maybe if you’ve got an offset account, you might have your emergency fund there. You might have another account with some short term savings and keep that mortgage on principal and interest and build wealth, salary sacrifice to super invest in your own name.

The time’s passing anyway. You will pay off the mortgage eventually, but you’ve got to kind of, I don’t know, I’m [00:41:00] More of the vibe that I like to remove Glenn from his investing and wealth building. So tradition says, if you have an investment property, you have it on interest only the mortgage. All my debt is principal and interest.

Oh, that’s crazy. No, I want to, I want to pay down the mortgage each year. I want to protect Glenn. I want to slow Glenn down because hi, I’m Glenn. I’m a recovering spender. I need to protect Glenn as much as possible because if the money’s there, it grows legs and I find myself in Bunnings, I find myself at BTF, I find myself buying Keith Urban tickets for me and friends, which I did the other day.

What up, Keith? So I’m Glenn, I’m a spender. My house is in order financially, I have systems that protect me. Because there’s two types of people in this world. There’s a spender or a saver. Probably 5 percent or a bit of both. I actually, if you want a free online course, the [00:42:00] Glen James Spending Plan, it’s my free budgeting thing.

It will help the savers have permission to spend and it’ll also help the spenders start to save more money than they ever have before. 

Melissa: I love that. So you’re a spender? 

Glen: Oh, hell yeah. 

Melissa: I’m a saver. 

Glen: Ugh, how boring. I wish I was more like you. Yeah. 

Melissa: I’m a saver. My husband is a spender, so we balance each other out.

It’s a good mix. 

Glen: Yeah. So, and that’s it. The investing part, it’s actually so easy, but a lot of us go into solution mode straight away. Can’t go into solution mode. We need to go into goal mode. And similarly, like you’re heaps into health. If, if you were talking to someone about like a friend of me, I go.

Hey Melissa, I want to be healthy. You’re like, okay, what does that mean? Could mean three different things. That answer is going to have a different way to get there. So I need to know my why first. [00:43:00] I need to know my goals first. What I think it’s a good thing to do, and I encourage people to do this in the book, I’ve got a three point financial plan for my life.

Very simple. Do you want to hear it? 

Melissa: Yeah, share it, please. 

Glen: I just do three things with my money. It’s really simple. One, I’m a generous giver. I’ve got charities that I support, help people out when I can. Generous giver. Be a generous giver. Number two, live on less than I earn. Number three, invest the rest.

That’s all I do. Now when we talk about mindset. You might find this a bit juicy for the ears. Actually, I’ll, I’ll ask you, why do you invest? 

Melissa: The first thing that came to me was, like, for my children. Like, that was the first thing that came to me. My children, like, their future. And us too, and like financial gain and independence and security and my children.

Glen: Yeah, that’s a good answer. Cause some people say, [00:44:00] actually on a radio show the other day, got into this like weird argument, but whatever. Cause some people are like, I invest to make money. I’m like, Yeah. That sounds boring. What for? Yeah. It sounds like there’s a lot of pressure on your investments to perform.

It sounds like you could be really trying to game a system, but anyway, so I really like yours because it is similar to mine. So when I say invest the rest, I invest to park money. for the Glenn of tomorrow. Now the Glenn of tomorrow might want to buy his niece and nephew something. The Glenn of tomorrow might want to do something because I’m living on less than I’m earned and I’ve got a good life.

When I invest, I’m just parking money for future Glenn. Now my two investment goals are really simple. My two investment goals [00:45:00] are number one, to have a return above cash. So 4 percent at the moment. and inflation. So that means I’m okay with broad based indexes with an ETF portfolio. I’m not out there trying to get a 20 percent return every single year.

I’m just parking money for the long term just to out beat inflation and cash. That’s all. Cause if I do that, I’m fine with market returns and it just stops me wanting to log in and fix it and do better because people suck at investing. Markets are good. People are bad. Like as simple as that. Now, sure. I do carve out a portion of my portfolio to do stuff like little venture capital things, or if I see a little opportunity, I might throw some money in that.

And if it takes off, awesome. Doubled my [00:46:00] money, tripled my money. I did an investment once. It did a 700 percent return, like wild, right? Made a good chunk of money. I didn’t put heaps in. 

Melissa: Is this on a business or a property? 

Glen: Business. Yeah. Realistically, the only investments are the 2Bs, bricks and businesses.

But the thing is, if I tried to put 50 or 60 percent of my net worth in this investment, Because if it goes well, all my problems are solved, that’s really dangerous, because most of these specky things don’t go 700%, they fail. So that’s why you can’t have, I need money to make all my problems go away, because desperation leads to greed, following that stupidity, then broke.

That’s the process. Desperation, greed, stupidity, broke. So, no. But I think, yeah, one of like my probably biggest [00:47:00] asset is my business that generate as much money as possible. Um, I’ve mainly, I’m now doing commercial property. Just sick of, I’m not sick of tenants. I’m sick of dumb repair things on residential property.

The handle in the door in the room is broken. All right, we’ll fix it. Oh, they can’t find one that matches. All right, we’ll pull it apart and put WD 40 in there and fix it. Oh, they can’t. I’m just sick of that. So, I don’t think I want to buy any more residential investment property. But, yeah, I don’t know. I just, I just want it easy.

I want my investing to work in the background while I live life on my own terms. The end. build my business. And I’m not like, I, a lot of people want the empire. I don’t want the empire. I’ve got a really good lifestyle business. And yeah, I would say to anyone like the sort your career out book, I wrote that as the prequel to my sort your money out first book, because like [00:48:00] forget investing in shares, forget investing in property, you invest in the right career, you’ll buy any property you want.

Like you are the best investment that will ever be. You want to know the best investment, walk into your bathroom. It’s in the mirror. And once you get that investment humming along, you’ll be happier because Mondays don’t suck. Your life sucks. Like that’s rude. It’s crass. It’s really, really hard to hear.

Monday doesn’t know what day it is. Mondays don’t suck. Your life sucks. Now we all go through times when our life sucks, but what can you do to try and live life on your own terms? Now there are people who are listening who might be like, Oh, I don’t ever think I could be an entrepreneur. Don’t. Go and work for a company that has really good values, who care about their people, and then you can leave [00:49:00] work on a Friday and not take work home.

That sounds like heaven to a lot of people. 

Melissa: And that’s the thing. Like not everyone wants to be an entrepreneur. It’s not within them. And that’s totally fine. The people that work for me, I’m like, they don’t want to be an entrepreneur, but they want to work for a company that they love, a boss that they love.

Well, I hope they love me. They’re still here. So hopefully they love me. But for a company that they believe in, that is doing good in the world. So yeah, like you don’t have to go and be an entrepreneur. But go and do something that really lights you up. Like life is so precious. We don’t know how long we’re here for.

We may as well do something that we love. So I love your simplistic approach to money and to investing. It really resonates with me because I think we can overcomplicate things and we don’t need to overcomplicate them, especially when it comes to money and investing. And our mindset around it. So I love that.

Now let’s pretend you have a magic wand and you could put two books in the [00:50:00] school curriculum of every high school around the world. So 16, 17 year olds, boys and girls, what book would you choose of yours? Number one, and then of someone else’s number two, and it doesn’t have to actually be on money. It could be personal development or anything.

Yeah. 

Glen: Yeah. Oh, okay. The first book. Is attached. 

Melissa: Oh, 

Glen: have you heard of that one? 

Melissa: No. 

Glen: Okay. You need everyone stop this podcast right now. You need to read the book attached. It’s about relationships and it’s about our attachment styles. 

Melissa: Ah, yes. I’ve heard. Yes, yes, yes. I’ve been trying to get them on the podcast.

Yes. 

Glen: Yeah. It changed my life. Oh gosh. I’m so depressed that I didn’t read that when I was 20. Cause my attachment style. is avoidant. And we were talking on, I think we talked about it on my podcast that, or maybe before [00:51:00] we record or whatever, but my default vibe in my life, if things are rough and tough, I avoid it.

So relationships, I’ve, I’d struggled to hold down really fundamentally good women, but it was because of my own attachment style. So there’s, Avoidant, there is anxious, and there’s secure. You want to be secure. 50 percent of the population have it a secure attachment style, and this crap develops during your childhood.

Maybe mommy or daddy didn’t hug you enough, okay? Adds up. And my style is avoidant for a few reasons, and there is a bit of a blend. 

Melissa: Now that you are aware of that, is it no longer your style because you’ve worked on it? 

Glen: No, I am. So they reckon in the book, it could [00:52:00] take four years, but I’ve been going to, uh, psychology to really work on it.

And I have to think my default response to this is to withdraw. What would a secure attached person do? 

Melissa: Right. So it’s about reprogramming. 

Glen: Yeah, pretty much. Yeah. 

Melissa: So good. I love that. 

Glen: You might not get all of it, but like, so my girlfriend is an anxious attachment style and coincidentally, they’re like the hardest to join together, but we’re both working on that.

Melissa: What’s the highest percentage of the population? 

Glen: No, I think it’s secure at 50 percent and then there’s a split between anxious and avoidant, and then there’s a 5 percent who are avoidant, anxious. Yes. But every teenager or kid probably needs to read that book Attached. 

Melissa: Yep. I love it. I’ll link to it in the show notes.

What about one of yours? Which one would you start with? 

Glen: Sort your career out and make more money. Because that whole [00:53:00] thing, that first chapter in that book is about your values. Gotta do something that is in the line with your values. If you value autonomy, if you value. Solitude, if you value, whatever, it’s not going to work for you to be an employee in a cubicle in an open space because it’s like, I need to do my own thing.

I need to get away from all these people. Like I don’t value this, but you need to build your career on your values. Then, strengths, then skills. And the problem is, our school system, basically the conveyor belt says, you’re really smart, go on, go to uni, go and be a doctor. And I know so many doctors who regret, they’re in their thirties, and they’re like, I hate what I do.

Cause they were smart. Smart [00:54:00] equals this and I didn’t go to university, didn’t finish school, I print money and I live life on my own terms. So what would I have rathered? But it’s, you’ve just got to focus on you are an annuity that is producing at least 70, 80 grand a year, everyone feed that annuity and focus, build your career on your strengths.

And in fact. In the school system, finish school, go work at JB Hi Fi for three years, then go back to uni. I used to say something better, people were going to cancel me for saying it, I’ll say it now and I’m just framing it up, I’ll just frame this up, I’ll just frame this up. I’ll see what happens. As a younger person, if you in life, and I’ll preface it with, I don’t really say this but get my vibe, if you stay off [00:55:00] drugs, if you keep out of jail.

If you don’t have a child unplanned, you’ll have the most options to live your life on your own terms. Now, you used to say, you have a child, like, I know that the world’s gray. And I actually wrote down, before when you were saying, you say things simply, I actually wrote down there, you can’t read my writing, financial fundamentalist.

I’m a financial fundamentalist. And it kind of is. A bit fundamentalist, like, you don’t have a child, but, so I’ll cave it, an unplanned. Because there are things that happen in our life that are out of our control. And that’s really devastating, inherent privilege, all that stuff. But loosely speaking, if you’re in your early 20s or finishing school and you go, I’m not going to get hooked on drugs, I’m not going to be a [00:56:00] crook and go to prison, I’m going to try and use contraception and have a child on my own time and all that stuff, you’ll have, you know, work till you’re 23, then go to uni.

It’s all good. Oh, and I was going to say, I forgot that stay out of consumer debt. 

Melissa: Yes. Yeah. I’m so glad I never got a credit card. Like my sister who is six years older than me, she is a chartered accountant and she’s a saver, not a spender. And so she taught me, I remember in year 10, So I was probably 14, 15.

She pulled me into her room and she said, right, we’re opening a high interest earning account for you. And you’re going to put in 10 a month. And I was like, okay. And we made it a fun game. And she was like, you’re going to get statements sent to the house every month, and you’re going to watch that money grow and you’re going to be excited about it.

And I was like, cool. I like this game. This is a fun game. So she is the one that taught me about money. And she’s the one that taught me about investing. It wasn’t my [00:57:00] parents. My parents are spenders. Because they grew up with not a lot of money. They didn’t have abundance. And so they grew up very differently.

So they’re in a phase in their life now where they like buying their grandchildren things and I’m like, mom, she doesn’t need any more things, please. But it brings my mom so much joy. Right? So I just let her do it, whatever. But I learned about money and about investing from my older sister. And I’m so grateful to her for that because I would, may not have ever had that opportunity.

So I love your simplistic approach to money, to investing. I love how unapologetic you are about the life that you live. And this brings me to my next question. I want to know about how your day looks. Talk us through a quote unquote, typical day in your life. I know no two days are ever the same, but take us through, like, what are your routines?

What do you do? Talk to us. 

Glen: Yeah. So. Because at the moment, it’s a bit of a [00:58:00] weird phase because I’m working from home. I’m, I’ve just bought a commercial building and I’ll build my studio there and that’s happening. But I, my personality isn’t work from home. I don’t like it. I need to get out. So what I do most mornings, I’ll go out, go to a local cafe, have breakfast and coffee, take my laptop and get my day underway.

Do all the little things. Then I may, I don’t generally book any, uh, podcasts until after 11 AM, uh, because I just want the morning to get things up and going and I’m not heaps of a morning person. Then it might just be, I could, so weird, so hard, I, I just tend the garden, like just tinker around always, whether it’s talking with brands for sponsorships, whether it’s Looking at different projects in the business, what [00:59:00] I do though, and then I’ll like, I’ll go home for a while, I’ll do some work.

Then I live on Newcastle Harbour, so often I’ll walk, go for a walk and get lunch and get out. What I do though, to stop burnout, because I’ve been there where you go, go, go, go, go. And then you literally shut down and spend a week on the lounge and, or in bed and can’t function. I actually do a, I call it a week on week off approach.

So this week is my on week where I’ll do a heap of podcast recordings and be totally on. Next week, there won’t be any recordings in my diary. And that gives me the latitude to just do what I feel like doing. 

Melissa: Is this recording for your own show or for others or both? 

Glen: Both, really. Yep. 

Melissa: How many episodes do you have come out on your show a week?

Is it just one? 

Glen: Only two, but [01:00:00] I’ve got another show called Retire Right that is once a week. 

Melissa: So you’ve got three to do a week, basically. 

Glen: Yeah, like I’ve got three hours of hard on work to do a week. 

Melissa: But it’s not just that, you’ve got to prep for it, or do you just rock up and talk? 

Glen: Nah, I just rock up. I don’t do much prep.

Melissa: See, I, I prep for these things. I research you. I come up with questions. 

Glen: Yeah, well, I did that when I was, when you were on my show. Like I do, I, I get, and then, okay, this is the thing, right? I think, cause I feel like I don’t work that much at all. But if someone looked at, yeah, there’s someone looked at me like, Glenn, you just pumped a frigging 50 hour week or do it like I’ll work if I’m, if I, I work when I feel like it.

They, like in my off weeks where I don’t have schedules because having a calendar that’s full gives me anxiety and I feel like I can’t breathe and I’m trapped. So I’ve worked out that every second week there are no hard have to be’s that doesn’t sound good, [01:01:00] but whatever you vibe me. And if I feel like shooting a YouTube video, if I feel like making content, I’m the most productive because I feel like doing it.

I don’t have to do it. Anyway, I don’t feel like I work and that’s. That’s a bit of a problem, but it’s also good. 

Melissa: I think it’s a good thing. 

Glen: Like on Tuesday this week, I took the boat out because it’s my on week, but I didn’t actually have anything in the diary and I’m like, all right, I’m going. And we do a four day work week in my business.

So often on a Friday, I will still work and just get some stuff done, knowing that my team won’t be asking questions or I don’t have to check stuff. But yeah, my days are weird. 

Melissa: I like it. I love it. It’s beautiful and you’ve created it to be in alignment with what works for you and what lights you up. And that’s the most important thing because I’m in a different phase of my life.

Like I used to work like you, I would do 50 hours a week [01:02:00] and didn’t feel like work. Loved it. Work nights, work weekends. Love it. Give it to me. I love what I do. I have a three and a half year old now. I don’t want to work all day. I only work a couple of hours a day when we have a nanny who takes care of her whilst I work.

That’s all I want for this season of my life. Will it change? Most likely, yes, later down the track. But right now that’s what feels good for me. I want her in my house. I want to be able to hear her laughing whilst I’m working. That’s what brings me joy. So I think you’ve got to get clear on like what you want and also take into account the season of life that you’re in.

Glen: Absolutely. And it all goes back to. Life on your own terms. We’re on a speck of dust in the middle of nowhere. Who cares? Do what you want. Like, who cares? 

Melissa: Exactly. All right. Three rapid fires before we wrap up. 

Glen: What 

Melissa: is one thing we can do today for our health? [01:03:00] 

Glen: Drink water. 

Melissa: Yes. What’s one thing we can do for our wealth?

Glen: Take 20 out of your account and transfer it into your superannuation and claim it on tax. 

Melissa: Love it. Beautiful. I thought you were going to say, get rid of your consumer debt. No, that’s not like a do in one day thing. Maybe not. Maybe it is for some people, but everyone can do that. They can take out 20 right now and they can put it in their super and 401k for the Americans.

Okay. Last one. What is one thing we can do for more love in our life? 

Glen: Well, I have a thing with my girlfriend at the moment where we often ask each other, is there anything that I’m doing that you want me to do more of? Is there anything I’m doing that you want me to do less of? 

Melissa: Oh, I love that. That’s so beautiful.

That’s really, really beautiful. 

Glen: Communication is the problem and the solution. Simple as that. A 

Melissa: hundred percent. There’s only ever breakdowns in any relationship when there’s been a [01:04:00] communication breakdown, that’s it. 

Glen: Which means the expectations haven’t, there’s an expectation misalignment and communication will fix those expectations and align them.

Melissa: But this is the thing, Glenn, so many people are avoidant. They just can’t even have a conversation. 

Glen: Yeah. And I’ve, I’ve had to do the opposite of my natural proclivity and it’s awkward, but once you do it, it’s not awkward. So I’m just practicing. 

Melissa: Yeah, it’s practice. Yeah. Awesome. I love that. Glenn, you are helping, you are serving, you are supporting so many people, live life on their terms.

Create the wealth and the career that they love. How can I and the listeners give back and serve you today? 

Glen: I don’t know. Just be nice to people. That’s all I want you to do. If you want to listen to my podcast, knock yourself out. Money, money, money, but otherwise. I did this the other day. I like to randomly pay things forward.

There was a group of nurses at a cafe that I was working at the other morning. I think there was six or seven of them. I went up to the counter, said, I’ll grab them. Don’t tell them that it [01:05:00] was me. And just tell them that someone said, thanks for their service. Cause a lot of your listeners will get to the stage where money isn’t the problem, right?

So I don’t need anything more in my life. I’m good. But how can we make other people’s day good? Because you can’t give anything away. Because it will always come back to you. Simple as that. You, you will never be worse off from being generous. And some of you, far out, you might not have much money to give away, but you can give away a freaking smile every now and again.

You know what I mean? Like, I, I don’t need anything. I just want people to be encouraged. And if I’ve done that to at least one of your listeners today, yeah, I’ve, I’ve done what I can. So 

Melissa: beautiful. I love that so much. Well, I will link to your podcast, to your books, to your programs, to everything in the show notes.

So people can go and dive deeper into your world. I love what you’re doing. I love your attitude. It’s been such a pleasure to have you here. So thank you for sharing with us. 

Glen: No problem. And I will say [01:06:00] goodbye, beautiful.

Melissa: I hope you got so much out of this episode. I hope you are going to. Implement some of the things that we spoke about. And if you loved this conversation, please subscribe and follow my show and leave me a review on Apple podcasts. Then send me a screenshot to hello at Melissa Ambrosini or on Instagram, and I will send you my wildly wealthy, how appropriate.

My wildly wealthy meditation as a little thank you. And now come and tell me on Instagram at Melissa Ambrosini. What was your biggest key takeaway from this episode? I absolutely love connecting with you and I love hearing your biggest key takeaways. So jump on over there right now. And before I go, I just wanted to say thank you so much for being here.

For wanting to be the best, the healthiest and the happiest version of yourself. And for showing up today for you and your future, you are amazing. Now, if there’s someone in your life that you can think of that would really benefit from this episode, I think pretty much [01:07:00] everyone, but please share it with them right now.

You can take a screenshot, share it on your social media, email it to them, text it to them, do whatever you’ve got to do to get this in their ears. And until next time. Don’t forget that love is sexy, healthy is liberating, and wealthy isn’t a dirty word.

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Thank you so much for listening. I’m so honored that you’re here and would be SO grateful if you could leave me a review on Apple podcasts, that way we can inspire and educate even more people together.

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P.P.S. Please seek advice from a qualified holistic practitioner before starting any new health practice.