Traveling Wallet

27Feb 2024 by The Roamer No Comments

2023 Traveling wallet yearly review: Full time job and some travel

Reviewing yearly has been a habit of mine since my college days. It is eye opening to look back and see how much can change and happen in the span of a year. My kids are a constant reminder of the passing of time. 2023 was my first year of full time engineering work in over 7 years. It was an adjustment. It felt like work swallowed up the whole day. Looking back, we did make time for adventures in 2023. Reviewing the year and pictures really are the best. It really does help you appreciate and remember the year's adventures, accomplishments and just the lovely day to day things like tending a garden. How did that all matched up to my 2023 yearly goals? Here is what I set…

30Mar 2021 by The Roamer 3 Comments

2020 slogan: Results may vary, 2020 goals & year review

Continuous improvement, Yearly Review Series

Did you accomplishing anything last year? Did your 2020 Goals see any change? People lost jobs, became default teachers, had the opportunity to spend more time with kids. Canceled travel. Finally had time to dedicate to a hobby or new interest. Pretty much, results may vary, should be the slogan of 2020. Making Goals for next year is an act of courage. While we all lived through the rollercoaster of 2020 . We all had a different ride, didn't we? Results may vary. We traveled to California in the end of 2019 and into 2020 January, so happy for that. We got to see family right before everything fell apart. 2020 YEAR REVIEW My 2020 goals. I set them before I knew what would happen. We had just moved to…

16Mar 2021 by The Roamer No Comments

023 Season 2 review! Mastermind updates

Finance, Podcast, Shownotes

Live season Finale on Instagram Live! Talk about stepping outside of our comfort zones to try something new and connect with our audience. Hey Changemakers in this episode of Her EnterpRISE podcast its time for some reflection. Reflection is so important as we try to grow and learn. Whether you are trying new things with your money, minimalism or business. You have to set aside time to reflect and look back. What worked? What didn't? Listen Powered by RedCircle Apple - Google podcasts - Spotify - YouTube or your favorite player. (more…)

02Mar 2021 by The Roamer No Comments

022 Health Insurance Options with Joanna Phipps

Finance, Podcast, Shownotes

Did you know that the health market place is opening up again this year for an extra opportunity to enroll? Health Insurance in the U.S. is a landmine, which is why we are so happy to get our health insurance questions answered by a professional. The stories of people getting struck down into poverty due to medical expenses abound. So if we want to head off on our own, and create our own business, how do we deal with the question of health insurance? Hey Changemakers in this episode of Her EnterpRISE podcast we answer a lot of these question. Listen in and don't forget to take action and make sure you are covering yourself in some way for health care emergencies. Listen Add re circle player Powered by RedCircle Apple…

23Feb 2021 by The Roamer No Comments

021 Video Uses in your Business

Podcast, Shownotes

#videochallenge #herenterpRISE People connect with people. That is why today we are talking about how video can help you better connect with your clients and audience. Let's be real for a minute though in pandemic times videos also just help us feel better connected with friends and family. So how can we use video if we are a bit camera shy? Hey Changemakers & Roamers in this episode of Her EnterpRISE podcast Kelly who is just starting to think about using video asks for all the detail of how Nicole and Melissa currently use video. Listen Powered by RedCircle Apple - Google podcasts - Spotify - YouTube or your favorite player. (more…)

09Feb 2021 by The Roamer No Comments

020 Resistance & Relationships

Continuous improvement, Podcast, Shownotes

What do you do when you get stuck on a project? How do you better connect with people? Hey Changemakers in this episode of Her EnterpRISE podcast we are masterminding Melissa's challenges. You have probably been there too. You are so close to the finish line then suddenly everything is challenging. Everything becomes a mountain to climb. In todays episode Melissa asks for help in overcoming these challenges. Listen in to learn along with her. Listen Powered by RedCircle Apple - Google podcasts - Spotify - YouTube or your favorite player. What is a Mastermind? A mastermind is a group of people who are all striving to get to where you are going, or are already there. Where challenges are revealed openly, experiences are shared and feedback is given honestly. For us that…

02Feb 2021 by The Roamer No Comments

019 Mastermind Breakthrough! Work with us!

Business, Podcast, Shownotes

What is a Mastermind meeting anyway? How does a mastermind meeting help you? Today's episode of Her EnterpRISE podcast we chat with Raina Willick who shares with us exactly the changes that happened in her business after participating in a mastermind. Listen Powered by RedCircle Apple - Google podcasts - Spotify - YouTube or your favorite player. What is a Mastermind? A mastermind is a group of people who are all working to get to where you are going, or are already there. Where challenges are revealed openly, experiences are shared, and feedback is given honestly. For us that means we are women building business and living purposeful lives. With this lens we look to help each other conquer fears, brainstorm new possibilities and stay focused and accountable. “To reach the top of…

22Jan 2021 by The Roamer No Comments

018 Legitimizing your hustle with taxes -Tony Clark

Finance, Podcast, Shownotes

Tony Clark, Enrolled Agent MST What questions would you ask a tax guy if you had a chance to sit down with them for free? Lets meet Tony , Kelly's favorite tax guy. Are you working in your own business? Just getting started? Or someone who get paid in cash? We cover a lot on today's episode of Her EnterpRISE podcast . Listen Powered by RedCircle Apple - Google podcasts - Spotify - YouTube or your favorite player. (more…)

19Jan 2021 by The Roamer No Comments

017 Preparing Systems for Growth

Podcast, Shownotes

We want to celebrate things here! Making more money and spending your time intentionally is what Her Enterprise is all about. In episode 016 we found out that Kelly is WINNING when it comes to growing her income. We are so happy to share with you her inspiring story. Like anything though there are growing pains. In this episode of Her EnterpRISE podcast we are going to talk about the challenges you face as your business grows. We are also going to cover the challenges you face as your family grows and you move to a bigger space. Listen Powered by RedCircle Apple - Google podcasts - Spotify - YouTube or your favorite player. What is a Mastermind? A mastermind is a group of people who are all striving to get to where you…

12Jan 2021 by The Roamer No Comments

016 Double Doubling your Income

Earning, Finance, Podcast, Shownotes

Kelly grew up in poverty and back then she always felt like she was stuck in a place of being in crisis. Growing a successful business and doubling her income 3 years straight wasn't something she thought possible at the start of her journey. Hey Changemakers in this episode of Her EnterpRISE podcast We hear more about Kelly and how she was stuck in fight or flight. She had to manage issues included chronic pain. How does someone like that, make the shift of thinking short term to long term thinking. Listen Powered by RedCircle Apple - Google podcasts - Spotify - YouTube or your favorite player. (more…)

05Jan 2021 by The Roamer 4 Comments

015 Business Growth through Experimentation with Jillian Johnsrud

Continuous improvement, Podcast, Shownotes

Jillian Johnsrud is on the podcast today! She has taught so many people how to go deep and figure out what they want. She runs a successful online business and has been work optional for several years. She is in the FIRE community and so much more. Nicole, Kelly and I have all paid to mentor under her at different times. We have gained lots of value from knowing her and we hope you do too. Listen Powered by RedCircle Apple – Google podcasts – Spotify – YouTube or your favorite player. (more…)

31Dec 2020 by The Roamer 1 Comment

014 Setting 2021 Goals and Strategies for success!

Continuous improvement, Podcast, Shownotes

2020 has kind of been a crapshoot. Hopefully you've had some good mixed in with all the chaos of the last year. Making goals for next year perhaps feels a bit odd given the last year. We want to talk about it anyways. Even if its just looking at that first quarter of the year. In this episode of Her EnterpRISE podcast we are going to talk about the tools that helped us continue to move forward this last year. No matter how miniscule it felt. They helped us and we hope they help you too. Listen Powered by RedCircle Apple - Google podcasts - Spotify - YouTube or your favorite player. (more…)

30Dec 2020 by The Roamer No Comments

2019 Goals Review

Continuous improvement, Finance, Yearly Review Series

Its almost time to do a 2020 year review but I never finished 2019. Here is what I wrote back in March but am just publishing now. So much is going on right now. Life is wild. Seriously only 3 months into 2020 and the world shuts down. Our family is finally getting into a flow so here I am wrapping up 2019 by reviewing our goals. This is more for me. I need to revisit last year since this years goals are getting derailed with all the craziness. 2019 Goals Review 2019 (17 Goals) Career, Relationship, Financial, & Lifestyle Find Job work 3-4 hrs /day from 12-4pm ( pays more than $10/hr.)Find 10 Speaking gigsAppear on 12 podcastsRecord my own podcast/ YouTube Re-launch blog with email list ( new…

29Dec 2020 by The Roamer No Comments

013 Client Conversion and Opportunities to Meet Listeners Needs- Mastermind with Nicole Santiago

Business, Podcast, Shownotes

How do you decided what to share when you are given an opportunity to speak with the people you are most capable of helping? In episode 013 of Her EnterpRISE podcast you get to experience a mastermind. Melissa, Kelly and Nicole talk about that challenge exactly. Nicole’s is on the hot seat today and through this episode you get to experience the conversations that help business owners decided the next steps to take. Listen Powered by RedCircle Apple - Google podcasts - Spotify - YouTube or your favorite player. What is a Mastermind? A mastermind is a group of people who are all striving to get to where you are going, or are already there. Where challenges are revealed openly, experiences are shared and feedback is given honestly. For us that means we are…

23Dec 2020 by The Roamer No Comments

012 TIME! Working through avoiding the time creep

Podcast, Shownotes

"Ah! it's dinner time", "I need to meet a deadline!" "Kids, mommy is trying to get some work done" "You're always busy , you don't play with use anymore" Welcome Changemakers, to episode 012 of Her EnterpRISE podcast ,we are tackling TIME. You know, time. That thing that flows through our hands like water. If only there were more hours in the day?! Powered by RedCircle Listen Apple - Google podcasts - Spotify - YouTube or your favorite player. We answer the following questions: What new habit can you start with kids to create more space for work?How do you make sure you have enough time to complete projects or handle issues?How do you make space for family time and work time when you are an entrepreneur?Do you have cycles that consists of productivity…

15Dec 2020 by The Roamer No Comments

007 Pricing your products? Masterminding with Nicole Santiago

Earning, Podcast, Shownotes

Powered by RedCircle Listen here or at Apple - Google podcasts - Spotify - YouTube or your favorite player. In this episode of Her EnterpRISE podcast you get to experience a mastermind. Part of living your unique life is also looking at the earning side of the equation. Doing work that brings you joy and feeds your family. If you aren't working in a traditional job you need to go through the struggle of pricing your products. Melissa, Kelly and Nicole talk about that challenge exactly. Nicole's challenge involves her newly published book. What is a Mastermind? A mastermind is a group of people who are striving to get to where you are going, or are already there. Where challenges are revealed openly, experiences are shared and feedback is given honestly. For us that…

05Dec 2020 by The Roamer No Comments

006 The Beautiful side of ADHD, an Interview with Nicole Santiago

Podcast, Shownotes

Powered by RedCircle Listen here or at Apple, Google podcasts, Spotify, YouTube or your favorite player. In is episode of Her EnterpRISE podcast, Melissa and Kelly interview their Co-host Nicole. They dig deeper into her thoughts on business. Nicole has the unique perspective of being someone who is diagnosed with ADHD. We answer the following questions: What does it actually look like to make the transition from traditional work to work that is more fluid like freelancing?How do we help people see the beautiful side of ADHD?Where there any scary moments after leaving your w2 job?Is there a way to make the transition easier? A cheat code if you will. Quick peek at what’s in the episode: How do you go from a teacher with ADHD to a published author? Well Nicole says that a…

01Dec 2020 by The Roamer No Comments

005 Pivot: Adaptability when your plans Change

Podcast, Shownotes

Powered by RedCircle Listen here or at Apple, Google podcasts, Spotify, YouTube or your favorite player. Changing where you live, your career, even your daily schedule getting a big revamp are all examples of pivots. You are on a path and you need to make a course correction. Hi Fellow Roamers and Changemakers. In today Her EnterpRISE episode 005 we are talking about pivots we've made in life. We answer the following questions: What is a Pivot anyway? How do you maintain agility when you are forced to pivot? What tools do you use?Facing a lay off during Covid is a forced Pivot. What are you going to do with your time? What is the list of 100? How can it help you? Quick peek at what's in the episode: In life one thing…

24Nov 2020 by The Roamer No Comments

004 Celebrating and Optimizing your Wins- Mastermind with Melissa Neacato

Finance, Podcast, Shownotes

Powered by RedCircle Listen here or at Apple, Google podcasts, Spotify, YouTube, or your favorite player. On this site Traveling Wallet I talk a lot about figuring out MONEY so that you can live the life you want. Finding places to invest and save is one side of the coin. The other side is increasing your income. Or diversifying it. In today Her EnterpRISE mastermind episode I share my challenges in creating financial growth when it comes to increasing income through client work instead of a traditional 9-5 position. What is a Mastermind? A mastermind is a group of people who are striving to get to where you are going, or are already there. Where challenges are revealed openly, experiences are shared and feedback is given honestly. For us that means we are women…

17Nov 2020 by The Roamer No Comments

003 The power of NO! – Meet Melissa Neacato

Podcast, Shownotes

Powered by RedCircle Listen here or at Apple, Google podcasts, Spotify, Youtube or your favorite player. Hi there Changemakers, In this episode of Her EnterpRISE podcast, We are doing the first interview. You'll get to learn more about me ( Melissa) and how I can help. We answer the following questions: How do you achieve work life balance?When was a time that you had to put your foot down to protect your time and values? What is FIRE?Does saying no, make people trust you more? Quick peek at what's in the episode: There are a lot of myths we are told from a young age. In this episode I share why I don't believe work life balance is a real thing.Success is defined in many ways. Identifying what success means to you will help guide you…

10Nov 2020 by The Roamer No Comments

002 Creative Childcare Solutions in Enterprise, Crisis and Covid

Parenthood, Podcast, Shownotes

Powered by RedCircle Listen here or at Apple, Google podcasts, YouTube, Spotify, or your favorite player. Hi there Changemakers, In this episode of Her EnterpRISE podcast, We are talking about childcare. Do we have working parents in the house? Entrepreneurial moms in the house? While some of us might have amazing engaged spouses or co-parent. A lot of times figuring out childcare falls on the shoulders of moms. Or it is their schedules that are first affected. Kelly, Nicole and I (Melissa) talk about our experiences. So that, you can leave with new ideas for how to tackle this fluid demand. They answer the following questions: Who is taking a backseat when childcare becomes an issue?Can you incorporate your children into your activities?What is a fun, silly and super helpful gift for parents?How has your childcare…

03Nov 2020 by The Roamer No Comments

001 Women Building Communities through Masterminding

Podcast, Shownotes

Powered by RedCircle Listen here or at Apple, Google podcasts, YouTube, Spotify, or your favorite player. Hey Changemakers, In this episode of Her EnterpRISE podcast, Kelly, Nicole and Melissa introduce themselves in a quick listen, only 8 min. We are working to help momprenuer live the lives they want. Carving out space for the families they have and the businesses they want to grow. Follow us on IG @herenterprise They answer the following questions: How can we, each with our individual experiences, help you reach your goals?I help you ask, what you can take away? Quick peek at what's in the episode: Meet Kelly Runs a Cranio Sacral therapy practiceI help clients recognize their own potential Meet Melissa Engineer, Speaker, CoachI let the data and values guide decisions Meet Nicole Educator, Coach and Writer. My goals…

27Oct 2020 by The Roamer No Comments

011 Mastermind Growth Updates and Reflections

Podcast, Shownotes

Powered by RedCircle Listen here or at Apple, Google podcasts, Spotify, YouTube, or your favorite player. In this episode of Her EnterpRISE podcast, Kelly, Nicole and Melissa reflect on Season 1 of the podcast, We are working to help momprenuer live the lives they want. Finding space for the families they have and the businesses they want to grow. Can you also take away some lessons learned and big wins. Follow us on IG @herenterprise What is a Mastermind? A mastermind is a group of people who are striving to get to where you are going, or are already there. Where challenges are revealed openly, experiences are shared and feedback is given honestly. For us that means we are women building business and living purposeful lives. With this lens we look to help each other…

20Oct 2020 by The Roamer 1 Comment

010 Courage to pivot into new spaces

Podcast, Shownotes

Powered by RedCircle Listen here or at Apple, Google podcasts, Spotify, YouTube or your favorite player. In this episode of Her EnterpRISE podcast, We are masterminding Kelly's business. She presents us with where she is currently feeling stuck. Covid has affected her availability in her brick and mortar business and she wants to pursue her ideas on an online space. (more…)

13Oct 2020 by The Roamer No Comments

009 Economics, mindset, wealth creation & enterprise as a means of alleviating poverty with Kelly O’Brien Pahman

Finance, Shownotes

Powered by RedCircle Listen here or at Apple, Google podcasts, Spotify, or your favorite player. In this episode of Her EnterpRISE podcast, Melissa and Nicole interview their Co-host Kelly. They dig deeper into her thoughts on business and how she has been able to build a successful Craniosacral Therapy practice. She has even been voted Top 10 GRKIDS (Grand Rapids, MI) Birth companion and therapist 5 years in a row. They answer the following questions: How has your perspective on business changed?If I makes more does it mean that someone else makes less?What is the zero sum pie fallacy?What does adding more leaves to the table mean? Quick peek at what's in the episode: How Kelly thought about business as a 19 year old. She conflated it with negative thoughts like greed. Back then business…

06Oct 2020 by The Roamer No Comments

008 Overcoming Decision Fatigue

Continuous improvement, Podcast, Shownotes

Powered by RedCircle Listen here or at Apple, Google podcasts, Spotify, or your favorite player. In this episode of Her EnterpRISE podcast, Melissa, Kelly and Nicole talk about the extra mental load women often have to carry. Family activities that drain you, extra obligations, and second guessing. They answer the following questions: What decisions are you choosing to just not make? How are you cutting them out?What is the 5-3-1 rule?What it helps you decided?How does second guessing add to the struggle? Quick peek at whats in the episode: Melissa kids are 7 & 12 , Her 12 year old can cook oatmeal. So she delegated cooking breakfast on oatmeal day to her kids. Kelly has 2 different lists to feed greater goals: "One for when I'm brain dead, other is for creative…

30Aug 2019 by The Roamer No Comments

Welcome New readers

Travel, Yearly Review Series

I come to the FIRE movement from a different starting point and that's what makes my story different. It's been a wild ride since we left California for our Mini-Retirement. Different doors have opened since then and I am chasing down other opportunities. New struggles have also surfaced. I want to share my story and what I've learned. Currently, I am trying to do it through a different medium. Primarily speaking & podcasts. If you visit my goals you can see what I am working on this year. Here are the biggies Buying our first home, with a goal to house hack. I am looking to buy a multifamily home and I am taking Paula Pants course Your First Rental Property so that I make a smart purchasing decision.Helping more…

28Nov 2017 by The Roamer 4 Comments

Half way through a 4 month mini retirement

Finance

Hi everyone I just figured I should leave a quick note. Last I wrote we were still in the prepping stages of our mini retirement. We were standing at the precipice. I'll be honest I was getting all sorts of butterflies in my stomach. Except it was more like worms, lizards (more…)

21Sep 2017 by The Roamer 2 Comments

Our plan: The 21 day California to Michigan road trip

Family, Mini Retirement series, Travel

In case you didn't know this SoCal family is relocating to Michigan. To kick off our mini retirement The Roamers are heading off on a 21 day cross country road trip from California to Michigan. The count down says I only have 9 days and 11 hrs until this adventure starts. I get asked why move to Michigan? [caption id="attachment_1692" align="alignright" width="169"] Michigan. Family? Check! Snowy Fun? Check! Happiness? Check![/caption] In Short: Family and property. Mr. Roamer & Jr's dad are both from Michigan and most of their families are there too. Moving to Michigan means we can re-plug ourselves into the family. As for property, California is a very prohibitive market. While we could take on a massive loan to buy a home here. We are choosing not to.…

04Sep 2017 by The Roamer No Comments

Our San Francisco Vacation and other July Expenditures

Family, Finance, Travel

July is long gone by now. School for my son has started and I am here playing catch up. My monthly expenses were previously reserved for email subscribers but with our up and coming 4 month mini retirement I wanted to share it here. Why? Since I am going to share how much this adventure costs us, you will need some baseline data to compare it against? Therefore, I will be including the July, August and September expenses here on the blog. (more…)