When was the last time you said “It has to be me?” You know, that moment when you know in your gut: “This is what I want to do!” and you just go for it! I’m Tess Masters and I’m getting the skinny from people who are smashing their fears and doubts to go from dreaming to doing. Let’s dive in, get fired up, and go after your next “It Has To Be Me!”
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Donna Gates, M.Ed., ABAAHP, is the international best-selling author of The Body Ecology Diet: Recovering Your Health and Rebuilding Your Immunity, The Body Ecology Guide to Growing Younger: Anti-Aging Wisdom for Every Generation, and Stevia: Cooking with Nature’s Calorie-Free Sweetener. An Advanced Fellow with the American Academy of Anti-Aging Medicine, she is on a mission to change the way the world eats.
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Learn how everyday people in business and career pathways systematically recognise, dismantle and master mistakes leading to higher levels of success within their chosen field. A mistake and advice guide for life.
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Audio tracks of HostMaria.com livestreams. We interview influential online companies, their founders and interesting internet technology startups with the mission to be more effective, productive and happy in this ever changing online business world. Every Wednesday HostMaria does livestreams with Adam Dicker and we talk about domain business.
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This show is for 20-somethings who don't want to spend their whole life worrying about money. Have you ever asked yourself, “If money wasn’t an issue, what would I do with my life?” If not, think about it because you’ll need an answer sooner than you think, but my guess is, you have. You’ve thought about an alternative career path, starting your own business, or spending more time developing your hobbies but the major factor holding you back is money. I want to solve that problem for you. On ...
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Preventing and Reversing Fatty Liver Disease | 011
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Kristin Kirkpatrick, MS, RDN, renowned dietitian from the Cleveland Clinic and author of Skinny Liver and Regenerative Health explains why the liver is critical to health, and how Non-Alcoholic Fatty Liver Disease is a silent killer that has become an epidemic. With an estimated 1 in 4 people affected, and many unaware they have it, fatty liver dis…
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Use Flow State to Achieve More and Accelerate Your Financial Goals | E145 Justine Elizabeth
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Whether you consider yourself a writer or not, you’ve been asked to write before. This could be an essay for school, an email at work, or a caption for a post. Sometimes when we are writing, we have a complete brain fart. No matter how hard we try, the words aren’t coming out. We write a sentence and delete it. We start writing another sentence, ge…
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Harness the Power of Fermentation: A Mission for Better Gut Health | 010
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Sharon Flynn, founder-owner of The Fermentary, shares the power of fermented foods to improve gut health, add fabulous flavor, and preserve seasonal abundance. She tracks her journey from experimenting with fresh and cultured foods as a teenager in Australia, Malaysia, and Denmark to mastering the art of fermentation while living in Japan, Belgium,…
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Thrive Through Menopause: The Power Of Food and Gut Health | 009
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In this episode, Penny Hauck, Sharon Stewart, and Stephanie Millar bust some common myths about menopause, and share what they’re doing to feel fabulous over 40! These women used the 60-Day Reset to empower themselves with better nutrition and gut health, and figured out how to eat strategically for their individual needs. All three ditched the die…
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Why Are We So Weird When It Comes to Money | E144 Paco de Leon
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Humans are weird whenever it comes to money. We drive five miles out of the way to save a few cents on gas. We buy things we don’t need because they’re on sale. We don’t ask for a raise although we’ve been working hard at the same place for years. We all have irrational behaviors when it comes to money and a lot of this has to do with psychology. C…
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Menopause Relief: Diet and Lifestyle Strategies | 008
1:05:58
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Are you struggling with menopause symptoms like hot flashes, sweats, sleeplessness, brain fog, and weight gain? You are not alone. Take back control of your body and feel amazing with food and lifestyle changes. In this episode, I share my menopause story, and how I got rid of the uncomfortable symptoms, lost over 30 pounds, and am thriving through…
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Small Changes Create Big Shifts | 007
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Are you defining success on your own terms? Bridge the gap between where you are and where you want to be using Dr. Michelle Robin’s strategies. The founder of Your Wellness Connection® and Small Changes Big Shifts® shares how she learned to listen to her inner voice, let go of others’ expectations, and practice self-love in order to get clear abou…
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Work Optionality: A Different Way to Imagine at FIRE | E143 Rachael Camp
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Work optionality is the idea that you work because you want to, not because you have to. As you’re listening to this in your 20s, this concept might seem like a pipe dream. That’s truly fair. Most of us don’t have this luxury. We are building wealth, along with just paying our bills, and it takes income to do that. But this idea might not be as far…
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Alex Gransbury, the innovator and entrepreneur behind Dreamfarm, shares how frustration with dumping his coffee grounds led him to create a multi-million-dollar company. He recalls tinkering in his grandfather’s garage, assembling the first product with his family around the kitchen table, and the recognition that came in numerous design awards, ma…
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Build The Community Solution You Want | 005
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Amber Stott, founder and CEO of Food Literacy Center, shares her passion for community service, combating childhood obesity, and getting kids excited to grow, cook, and enjoy healthy food. We get inside Amber’s “Don’t Ask, Don’t Get” philosophy of taking risks, seizing opportunities, telling your story, and achieving goals by collaborating with oth…
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Embracing Mini-Retirements: How to Take Breaks on Your Path to FI | E142 Jillian Johnsrud
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Let’s not sugarcoat it, the path to financial independence is a grind. Even with an aggressive savings rate and an extended bull market run, you’re going to be at it for a while. Setting the hard work aside, we also have to ask ourselves, what are we racing towards? Yes, of course, financial independence and freedom, but what would you do with that…
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Is the fear of change getting in your way? This week’s episode is all about harnessing self-belief to smash your fears and embrace change as an opportunity to get proactive and claim the life you want. Use your voice to let people know what you need, set boundaries, and do things your way. Ask for help when you need it, and choose relationships and…
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Embrace Change As Opportunity | 003
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What’s holding you back from getting what you want? Embracing Nelson Mandela's “I never lose, I either win or I learn,” we celebrate what we can control, and seize the opportunities (rather than see the obstacles) in what we can’t control. In this episode, we look at our relationships with change. When we recognize that the outcome will serve us no…
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Welcome to "It Has to Be Me"! In this podcast, we explore the pivotal moments that shape our lives; and share how we get past our fears and doubts to go after what we want. In this first episode, I delve into some of the significant moments that spurred the learning and growth that brought me to where I am and inform my coaching practice. From my s…
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Struggling to find time for self-care while caring for others, and a balance between self-care and fun? We can find a balance, but we have to “re-find” it every day. Being in your story your way is a daily practice, and in this episode, we explore how to maintain healthy boundaries that empower you to practice respect for others and for yourself. D…
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Are You Ready to Discover Your 'It Has To Be Me' Moment?
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When was the last time you said “It has to be me?” You know, that feeling where you know in your gut: “This is what I want to do” and, you just go for it! Welcome to “It Has To Be Me”. I’m Tess Masters, and I’m getting the skinny from people who are smashing their fears and doubts to go from dreaming to doing. This show is inspired by the women in …
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Retiring Early? How to Withdrawal Money from Your 401(k)Without a Penalty | E141 Sean Mullaney
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We always hear the importance of taking advantage of our 401K and IRA accounts. The tax advantages and employer match are too good to pass up on. But is this true for early retirees? If I’m planning on retiring in my 40s, should I be locking my money away in these accounts? How do I bridge the gap between early retirement and 59.5 - the age at whic…
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Does My FIRE Number Account for Inflation? | E140 Jesse Cramer
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I love playing with compound interest calculators and one equation I’m routinely calculating is the number of years until I reach financial independence. Using the 4% rule, I multiply my living expenses by 25 to get my FIRE number. I use that, my current net worth and various contribution rates to predict when I’ll reach FI. But then I started thin…
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6 Essential Skills to Have a Successful Career (and Make More Money) | E139 Dave Lamont
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As someone pursuing early financial independence, it is almost guaranteed that over time, a lot of your wealth will come from investment growth but as we all know, it takes money to make money. The first $100,000 of your net worth is a lot of hard work: you need to make income, live below your means, and aggressively save. And through all of this, …
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How to Fire Your Financial Advisor (for Those Who Don’t Like Confrontation) | E138 Tess Waresmith
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You’ve been pouring into your personal finance education and you’re starting to feel more empowered to manage your investments. You might have even played around with online calculators and realized how much that 1% advisor fee is really costing you. But years ago, when you were less confident and didn’t know better, you hired someone to help you w…
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5 Affordable Yet Fun Date Ideas | E137 Samantha Vigneau
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Dating is expensive. There is no way to sugarcoat it. Between dinner, drinks, parking, entertainment, and more…the costs quickly add up. I was reading an article and they surveyed 2,000 Americans to find out the average person has spent $3,025 over the last year on dating. That’s a little more than $250 a month and it didn’t include indirect costs …
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First Time Real Estate Investor? Don’t Make These 3 Mistakes | E136 Dustin Heiner
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If you’re interested in early retirement, you have to consider how you will afford life when a paycheck isn’t hitting your bank account every other Friday. Of course, my favorite method is investing in the stock market. This provides dividend income and the ability to sell your stocks when you need to but there is another obvious method out there -…
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Learn to Improve Your Commitment and Follow-Through | E135 Matt Worthington
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Even with an aggressive savings rate, reaching financial independence will take 10 to 15 years assuming the market plays nice with you. Stack on paying off debts and saving for large purchases like a wedding, a new car, or your first home, we can see how this is going to be an extended journey. Throughout that journey, how do we stay committed and …
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This is the REAL Meaning of Being Frugal (and It’s Not Depriving Yourself) l E134 Joel Larsgaard How to Money
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When I say the word frugal, what comes to mind? Do you think of your penny-pitching sibling? Or your coupon-clipping aunt? Your co-worker that always brings their lunch? The reality is, frugal means something different to everyone. Frugality is a spectrum, and I believe it can be extremely beneficial to live your 20s with a healthy amount of frugal…
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How to Ask for a Raise: Step-By-Step Process to Make the Ask & Actually Get It | E133 Andrew Giancola
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You’re a top performer at work. Your manager routinely praises you and you’ve been taking on more responsibilities as your team and your company grows. With all of these positive indicators, a thought has been in the back of your mind - “I deserve a raise.” Those 2 to 3% increases you’ve received the last couple of years aren’t making a major diffe…
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How to Launch a Side Hustle While Working Full-Time | E132 Genuinely Genesis
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One of the keys to building wealth is increasing your income. Most 20-somethings don’t have a savings problem, they have an income problem. You’re trying to pay off student loans, graduate from a college lifestyle, and invest for their future all while working with an entry-level salary. While I believe the fastest way to increase your income is fo…
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Using Geo Arbitrage to Save a Ton of Money and Reach FI/RE Sooner | E131 Rachel Covert
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It’s hard living a frugal life. I’m constantly questioning myself whenever I do things like taking leftovers from a free corporate lunch or doing date night at 4pm so we can get happy hour pricing. Although these frugal practices are simply a journey all 20-somethings need to live through, it’s not what I want to be doing forever. But what if I tol…
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Former Inmate on Believing in Yourself, Creating Your Comeback, and Proving Them Wrong | E130 Nate Dukes
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For today’s episode, we are going to pause our money content to share a powerful story. With 2024 quickly approaching, I’m sure you’re giving thought to some changes you’d love to make in your life. It could be that you want to eat healthier, repair a relationship, feel more confident, tap into your true potential, or anything of the sort. But mayb…
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4 Realistic New Year’s Resolutions that Will Set You Up for Financial Success in 2024 (and beyond) | E129
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I’ve noticed that New Year’s resolutions have been taking some heat lately. I get it, it is totally illogical that a single predetermined day is chosen for everyone to start a major life change and by February, most of us have given up on our grand changes and retreated back to our normal lives. But there is something about a fresh calendar year th…
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Realistically, How Much Does It Cost to Have Kids? | E128 Maya Corbic
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I’ve always dreamt about becoming a dad. I know little moments like teaching them the ABCs, running them to soccer practice, or helping them pick out their prom outfits are going to bring me a lot of joy. I’m even ready for the challenging moments like sleepless nights, pre-teen outbursts, and difficult “growing up” conversations. One thing that I’…
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Did You Forget These 4 Financial News Headlines From 2023? | E127
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We are closing up on 2023 and I thought it would make for a fun episode to recap some of the top financial news headlines from the year. Being a fellow money nerd, this year provided many interesting headlines that were fun to follow and watch play out. And looking back at it all, these stories reminded me of an important lesson that I’ll share at …
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Avoiding the Comparison Trap: 5 Powerful Ideas to Stop Comparing Yourself to Others | E126 Hayley Dawson
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Today we dive deep into a universal struggle that affects us all: the comparison trap. In a world fueled by social media highlights and curated success stories, it's easy to find ourselves measuring our worth against others. This happens to me all of the time. I see someone else’s life: the promotion, the new house, a fancy vacation, their business…
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Acid – Alkaline Balance For Optimum Health with Dr. Susan Brown
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Donna is joined by Dr. Susan Brown who, in a highly informative previous episode, shared her specialist knowledge of preventing and treating osteoporosis. This time, they discuss a topic that not a lot of people know about – maintaining the right acid-alkaline in your body. They discuss why this is so important and how to measure your PH. Dr. Brown…
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Your Year-End Financial Checklist: 8 To-Dos to Complete by December 31st | E125
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The holiday season is in full swing and I’m so excited to spend the next month celebrating with friends and family. With all of the parties and get-togethers, it will be 2024 before we know it. But before we say goodbye to 2023, I have a few things I want you to check off your to-do list. In today’s episode, I’m going to give you a financial checkl…
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How to Find the Courage to Move Out of Your Hometown, Change Your Career, and Embrace Major Changes | E124 Kay Cote
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I love big, life changes…said absolutely no one ever. Significant life changes like moving out of your hometown, changing career paths, or ending a significant relationship are terrifying even if you know it is what you should do. It takes proper planning and a lot of courage to follow through with these major milestones. These decisions have never…
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A Journey Off The Spectrum with Holly Larsen
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For this episode, Donna is joined by Holly Larsen a proud mom who along with her husband used food, including coconut kefir, to help their daughter Tula to recover from autism. This is an amazing episode that contains important information that everyone can benefit from learning. KEY TAKEAWAYS An unhealthy gut cannot extract enough nutrients from f…
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8 Side Project Ideas: Earn Money and Build New Skills Without Leaving Your Day Job | E123
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Do you currently feel like you’re stagnant in your career? Like you haven’t learned a lot lately and are living the same work day over and over? Or maybe you want to expedite your professional growth as you’re looking to take the next step? Well, this is the episode for you because we are going to be talking about how starting a side project can so…
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Turn the Page in Your Career with Effective Reading Techniques | E122 Nick Hutchison
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What kind of impact would it have on your career if you could be mentored by Tim Ferriss, Brene Brown, Cal Newport, Oprah Winfrey, Les Brown, Ryan Holliday, James Clear, and Carol Dweck? This is a handful of the top thinkers from the last decade and the great news is, we can receive their mentorship. No, unfortunately, they don’t have a special lot…
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#35 - Nick Reibelt - Unlocking Positive Masculinity: A Journey to Self-Discovery
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Nick Reibelt is the host of the positive masculinity podcast and owner operator of the positive masculinity project and self-conquest university. He specialises in guiding men of all ages to find their true self and recognise their own masculine potential through his tailored course and program solutions. Expect to learn: · Nick’s definition of tra…
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Improving Brain Harmony with Carol Garner-Houston
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Donna is joined by Carol Garner-Houston, founder of Brain Harmony, an award-winning, drug-free, therapist-supported at-home program that improves cognition, nervous system function, brain health, and healing. They discuss strengthening your brain to better handle stress and regulating the Vagus nerve, which improves organ function, rest, and digest…
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3 Career Killing Habits That You Can’t Afford to Keep | E121
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In this current series, we’ve been deep-diving into blueprints for how you can take control of and accelerate your career with various professional growth strategies. Assembling a personal board of advisors and reading books are amazing avenues for taking steps forward in your career but we also want to be playing defense and ensuring we aren’t tak…
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The 10 People You Need on Your Personal Board of Advisors | E120 Pete Schramm
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Have you heard of this concept before? A personal board of advisors. I think it is kind of interesting. Many companies have a board of directors who help advise and guide them on key decisions. Why shouldn’t we have a similar group to rely on? Especially as early career professionals, we face many critical questions about career pivots, job opportu…
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Domain Name Events and Networking - Fresh Experiences
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Chatting about domain name events and the effect of in-person networking.Me, Helmuts Meskonis, have just returned from Baltic Domain Days (Riga, Latvia) and Ryan Ewen has just returned from the USA where he has had lots of meetings, and all were about the domain names.By HostMaria
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The Connection Between Health and Protein Folding with Rowena Gates
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Donna is joined by Rowena Gates, the co-founder of Eng3. Its Nano-Vi devices are designed to address the problem of oxidative stress and cell damage, which accelerate ageing and disease development. To work proteins must fold properly. The oxidants we are exposed to stop that from happening. Rowena explains how the Nano-Vi device can aid protein fo…
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3 Types of Professional Goals That Will Give You Career Clarity {New Series Kick-off} | E119
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We are kicking off a new series called “Your Map to Professional Growth.” The goal of this series is to give you ideas for how you can take ownership of your career. Each episode will center around a different blueprint for growing professionally. But all of these tools are useless, just like a map, if you don’t know where you want to go. With that…
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#34 - Professor Tess Lea - Exploring Anthropology: Insights into Society, Policy, and Climate Change
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Professor Tess Lea is an anthropologist and the Dean of Social Sciences at Macquarie University in Australia. Her research encompasses various aspects, including infrastructural inequalities, housing, health, education, and concerns within the creative industry. Expect to learn: · What anthropology is. · The multiple functions that anthropology ena…
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Travel for Free with Credit Card Points | E118 Danielle Desir
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I have to admit, this is one subject in the personal finance space that I don’t have much experience with. I’m so impressed with my friends who get free airfare and hotels through credit card points and I think it is time for you and I to do the same. I just get overwhelmed and I’m not really sure where to start. What cards should I have in my wall…
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Healing After Co-Vid with Leo Galland
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In this episode, Donna is joined by Leo Galland, MD, a board-certified internist, and creator of the Coronavirus Guidebook. He explains the long-term impact CO-VID has on the body, in particular, the negative impact it has on ACE2 which plays a vital role in healing, and protecting the body and blood vessel health. Leo explains how the circulatory …
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Passion or Paycheck? The Career Conundrum | E117
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Should my career be driven by passion and purpose or serve as a means of financial stability? At one point or another, you will face this career conundrum. I’ve thought a lot about whether I should follow a practical career path with a stable income and obvious earning power or take a chance on a path that will be filled with passion and fulfillmen…
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The Ultimate Retirement Account: Health Savings Account (HSA) | E116 Sean Mullaney
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We often hear about 401Ks and IRAs, two incredible retirement planning tools but what if I told you there was a third, secret retirement account that trumps both of these? Today we are discussing the Health Savings Account, or HSA, and why the HSA is not only a financial game-changer for managing your medical expenses but also a powerful tool to bu…
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