In this episode, I open up about the dark moments that shaped my path, from losing everything and struggling to support my family, to discovering the principles that have allowed me to not just survive, but to thrive. I share how I turned my biggest failures into lessons that now guide my approach to money, health, and life.
One of the most pivotal moments in my journey was when I realized that money isn’t just about numbers—it’s about mindset and behavior. Growing up in a challenging environment, I developed an intense drive to succeed, but that success came at a cost. I found myself in the same financial stress despite earning more money than I ever thought possible. This realization forced me to rethink everything I knew about money, and I learned the hard way that financial success without the right habits and understanding leads to a vicious cycle of earning and spending without true fulfillment.
I discuss the irony of achieving financial success while sacrificing my health, leading to a complete collapse that taught me the true value of balance and the importance of investing in myself. This was when I developed the CURBS method, a system designed to help you manage your money in a way that builds real wealth and security. I also talk about the concept of “lifestyle creep”—the tendency for expenses to rise along with income—and how mastering spending is more crucial than simply earning more.
Money, as I’ve come to understand, is a mirror that reflects our values and intentions. When managed well, it can lead to fulfillment and happiness; when misunderstood, it can cause anxiety and stress. That’s why I emphasize the importance of knowing your “Good Enough” number—a concept that’s crucial for financial peace of mind. Understanding how much is truly enough for you is key to living a life that’s rich in every sense of the word, not just financially.
Top Five Takeaways from the Episode:
- Mastering Spending: True wealth isn’t about how much you earn, but how well you manage what you have.
- Investing in Yourself: Your health and well-being are your greatest assets—invest in them as you would in any financial venture.
- The Power of a Financial Plan: Clarity on your financial goals reduces anxiety and brings freedom.
- The Importance of Balance: Wealth means nothing without health—find your balance to truly thrive.
- Knowing Your Enough: Understanding how much is “enough” for you is the key to financial and personal freedom.
Five of My Favorite Quotes:
- “You don’t earn your way to wealth—you spend your way there.”
- “If you don’t master your spending, you’ll spend it all, no matter how much you make.”
- “Your health is your most important investment—without it, your wealth means nothing.”
- “Financial freedom comes when you know your ‘Good Enough’ number and stick to it.”
- “More isn’t better. Enough is everything.”
Time Stamps:
- [00:00] – [01:40] Introduction to the podcast and Krisstina Wise’s background
- [01:40] – [05:50] Krisstina’s journey from real estate success to financial ruin
- [05:50] – [10:15] Rebuilding life and shifting focus to money education
- [10:15] – [15:30] Discussion on the importance of understanding money and universal truths
- [15:30] – [20:45] Krisstina’s first ayahuasca experience and its impact on her perspective
- [20:45] – [25:20] The power of plant medicines and their role in personal growth
- [25:20] – [30:10] Transition from real estate to money coaching and mindset shifts
- [30:10] – [35:40] The spiritual aspect of money and its connection to universal laws
- [35:40] – [40:30] The importance of understanding one’s “enough” number and financial clarity
- [40:30] – [45:15] Balancing present enjoyment with future financial planning
- [45:15] – [50:20] The concept of non-attachment to money and spiritual growth
- [50:20] – [55:30] The importance of living well today while planning for the future
- [55:30] – [60:15] Discussion on retirement, asset-building, and long-term financial planning
- [60:15] – [65:40] The significance of starting financial planning early and overcoming excuses
- [65:40] – [70:30] Changing language and mindset for personal growth and goal achievement
- [70:30] – [75:20] The importance of investing in oneself and overcoming hesitation
- [75:20] – [78:56] Closing thoughts and invitation to Krisstina’s YouTube channel
