# Info You Can Use: Are you ready to take control of your financial future, then listen Up!

An episode of [Money Making Conversations Master Class](https://invisiblenetwork.ai/podcast/1264705641), 8 Feb 2025, 22 min.

Audio: https://podtrac.com/pts/redirect.mp3/traffic.omny.fm/d/clips/e73c998e-6e60-432f-8610-ae210140c5b1/b1db7263-d1a3-4d00-8976-af62012aab44/1e302607-3710-4362-a6eb-b2ac017561b4/audio.mp3?utm_source=Podcast&in_playlist=35a10561-3e1b-4d05-a529-af62012aab6a

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Dr. Leketa Hawkins. Also known as the Pocketbook Strategist. She is a financial literacy advocate and business consultant based in North Carolina, offering tools and resources to help individuals and small business owners take control of their financial futures. 🔑 Key Themes and Takeaways: 💼 About Dr. Leketa Hawkins • Founder of PocketbookStrategies.com, which offers financial literacy programs, tools, and resources. • Also runs Hawdleigh.com, a platform for financial education courses and templates. • Her mission is to provide low-cost or no-cost financial education to underserved communities. 💡 Financial Literacy & Upbringing • Like many, Leketa grew up in a household where money was not discussed—a common cultural norm that left many unprepared for adult financial responsibilities. • She emphasizes the importance of breaking generational cycles by involving children in financial conversations early. 🧠 Emotional Spending • One of the most common financial pitfalls she sees is emotional spending—buying things to cope with stress, boredom, or celebration. • She recommends tracking spending for one week to identify patterns and triggers. • Online shopping makes emotional spending easier and more dangerous due to its convenience. 📊 Budgeting Strategies • Advocates for the 50/30/20 rule: • 50% for needs • 30% for wants • 20% for savings or debt • Encourages people to “name your money before you spend it”—assign every dollar a purpose. 👧🏾 Youth Financial Literacy • Stresses the importance of teaching kids that money is a tool, not a goal. • Encourages parents to: • Let kids ask financial questions. • Teach saving from every dollar earned. • Explain compound interest and the value of investing. 👩🏽‍💼 Empowering Women Financially • Many women feel overwhelmed or disempowered financially. • Dr. Hawkins encourages women to take small steps toward financial clarity and view financial wellness as a form of self-love. 💬 Final Lessons • “Money doesn’t change who you are—it amplifies who you are.” • Understanding the difference between assets and liabilities is foundational: • Assets put money in your pocket. • Liabilities take money out. #SHMS #STRAW #BEST Money Making Conversations Master Class with Rushion McDonald is America's premier entrepreneurship, business leadership, financial literacy, and wealth-building podcast featuring successful entrepreneurs, executives, founders, celebrities, and industry experts sharing actionable insights for professional and financial success. Business Podcast Entrepreneurship Small Business Business Growth Financial Literacy Wealth Building Black Entrepreneurs Minority Business Leadership Executive Leadership Business Funding Marketing Strategies Personal Development Startup Advice Sales Training CEO Interviews Founder Stories Professional Development Economic Empowerment Business Success Networking Brand Building Innovation How to start a business Small business funding Entrepreneur success stories Business leadership podcast Wealth building strategies Black entrepreneur podcast Minority business development Marketing for small businesses Business growth strategies Startup funding opportunities Executive leadership training Financial literacy education Success mindset podcast See omnystudio.com/listener for privacy information.

## Transcript

[0:00] Speaker 1: Iver Sean McDonald I host this weekly Money Making Conversation
[0:03] Speaker 1: Masterclass show. The interviews and information that this show provides
[0:06] Speaker 1: off for everyone. It's time to stop reading other people's
[0:09] Speaker 1: success stories and start living your own. If you want
[0:12] Speaker 1: to be a guest on my show, please visit our website,
[0:15] Speaker 1: Moneymakingconversations dot com and click to be a guest. But
[0:20] Speaker 1: feel out your information. If you're a small business owner,
[0:22] Speaker 1: you got a product, you're an entrepreneur, and you want
[0:24] Speaker 1: to tell your story on my show, let the world
[0:26] Speaker 1: get out to the drone public a nationwide, a worldwide.
[0:29] Speaker 1: You can do it on Money Making Conversations. Now, let's
[0:32] Speaker 1: get this show rolling. My guest continues to drive impactful
[0:36] Speaker 1: change through her platform, Pocketbook Strategist dot com, where she
[0:40] Speaker 1: offers financial literacy, program resources, tools, strategic insights for those
[0:46] Speaker 1: seeking to take control of their financial future. Her business
[0:50] Speaker 1: consulting company educates and educational resources and services for small
[0:55] Speaker 1: business owners and inspiring aspiring entrepreneur. Just like I told you,
[1:00] Speaker 1: please welcome the Money Making Conversations Masterclass. Lakiita Hawkins. Lakita Hawkins,
[1:06] Speaker 1: how you do Lakita.
[1:07] Speaker 2: I'm doing well?
[1:08] Speaker 3: Vershan how are you?
[1:09] Speaker 1: Thank you, thank you, thank you for coming on my show.
[1:11] Speaker 1: I know you you're in North Carolina.
[1:13] Speaker 3: Correct, that is correct?
[1:16] Speaker 1: Now raise born and raised. Now what keeps you in
[1:19] Speaker 1: North Carolina?
[1:19] Speaker 2: Know?
[1:20] Speaker 1: I know your business is there. But basically your business
[1:23] Speaker 1: allowed business allows you to speak to everybody worldwide international.
[1:27] Speaker 1: Tell us about your business structure.
[1:30] Speaker 3: No, my business structure is regarding financial literacy, helping out
[1:35] Speaker 3: those that lack financial literacy, and then offering resources to
[1:40] Speaker 3: small business, small business owners and entrepreneurs.
[1:44] Speaker 1: Now I read here say your mission is to provide
[1:46] Speaker 1: access to low costs and no cost educational and pocket
[1:52] Speaker 1: resources for aspiring entrepreneurs like I said earlier and small
[1:55] Speaker 1: business owners. When you say that, what exactly is the
[1:59] Speaker 1: pocket Book Strategists? Which is your website pocketbookstrategist dot com.
[2:05] Speaker 3: So the Pocketbook Strategists came from a mix of Southern
[2:09] Speaker 3: culture and real life experience. I was always told that
[2:13] Speaker 3: I had a lot of pocketbooks and I talked about
[2:17] Speaker 3: money a lot a lot.
[2:18] Speaker 1: Of pocketbooks of Miss Hawkins. What do you mean a
[2:20] Speaker 1: lot of pocketbooks?
[2:21] Speaker 3: Whether you mean a lot of persons? A lot of them,
[2:27] Speaker 3: big ones.
[2:27] Speaker 1: Small ones, you know, backpack type size, a little little
[2:32] Speaker 1: corn purses, all type.
[2:35] Speaker 2: All types are shigned, all types, big.
[2:38] Speaker 3: Ones, small ones, corn purses, backpacks, all of them, all
[2:43] Speaker 3: of them. So growing up, you know, we didn't talk
[2:45] Speaker 3: about financial literacy a lot, but everything we needed seemed
[2:49] Speaker 3: to come out of that one sacred place, the pocketbooks
[2:53] Speaker 3: the person. So I basically wanted to reclaim that image
[2:56] Speaker 3: and use it as a tool for transformation, step into
[3:00] Speaker 3: this word because I saw how financial instability impacted families.
[3:06] Speaker 2: Not included, and I knew that once you.
[3:08] Speaker 3: Teach someone how to manage their money, then you give
[3:10] Speaker 3: them the power to change their life. So that's kind
[3:13] Speaker 3: of where the pockebook strategist was born.
[3:15] Speaker 1: Well, you know, people have heard my story many times
[3:17] Speaker 1: on this show about where I've come from, and and
[3:21] Speaker 1: you know it wasn't a classic lifestyle that you would
[3:25] Speaker 1: seem a popular story. I've come from the inner city.
[3:29] Speaker 1: You know my father I told many times, and I say,
[3:32] Speaker 1: I honestly tell people he was just a truck driver,
[3:34] Speaker 1: you know, a truck driver that he did his job,
[3:37] Speaker 1: He went to work, work over time, He had flaws,
[3:40] Speaker 1: but he provided for us and put food on the table. Now,
[3:43] Speaker 1: when you said the word instability and you talk about
[3:46] Speaker 1: financial literacy. And now I will tell you that word
[3:48] Speaker 1: financial literacy, which is a modern word now, but the
[3:51] Speaker 1: word finances were never discuss that our house, especially with
[3:55] Speaker 1: the children talk to us about your household.
[4:00] Speaker 3: It was never discussed in my household either. It was
[4:03] Speaker 3: more like a I would say, a taboo if you will, like,
[4:06] Speaker 3: it was never discussed. I just assumed that money grew
[4:10] Speaker 3: on trees from my mom, as most people think. So,
[4:13] Speaker 3: you know, I just assume that that's how it was.
[4:15] Speaker 3: I got whatever it is that I wanted. But I
[4:17] Speaker 3: was the only child for my mom, so I was
[4:20] Speaker 3: more spoiled and just assumed that that's how life went.
[4:23] Speaker 3: Grew up and got older, once to college, moved to
[4:25] Speaker 3: a different city, and soon realized, oh, this is not
[4:28] Speaker 3: how this works. I actually have to work for my
[4:30] Speaker 3: money and I actually have to pay bills. So yeah,
[4:33] Speaker 3: I feel the same for my household as well.
[4:35] Speaker 1: Well, you know, because you know, growing up, if you
[4:38] Speaker 1: were a child, a teenager and you was in the
[4:41] Speaker 1: room with grown folks, you could get popped in the mouth.
[4:44] Speaker 1: I'm just being real. Back then, back in the day,
[4:46] Speaker 1: they first of all, they stare at you and asked
[4:49] Speaker 1: for you in this room with grown folks, and so
[4:51] Speaker 1: that stare alone moved you out the room quickly. Now,
[4:55] Speaker 1: if you for some reason lost your mind and didn't
[4:58] Speaker 1: know the stair and growing folks move closer to you
[5:03] Speaker 1: to the remind you you need to get out the room.
[5:05] Speaker 1: And that level of I guess to's say discipline. I
[5:11] Speaker 1: felt hurt us because we were never engaged in decision making.
[5:17] Speaker 1: Oh listen how decisions were being made. And that's I
[5:20] Speaker 1: think it's a crippling calls to a lot of our
[5:24] Speaker 1: inability to be entrepreneurs, our inability to understand financial wealth,
[5:29] Speaker 1: our inability to communicate with our parents or adults, because
[5:33] Speaker 1: we tend to be more respectful than and get the
[5:38] Speaker 1: information from them than to be able to, you know,
[5:41] Speaker 1: speak when spoken to am I saying anything different from
[5:44] Speaker 1: the lifestyle that you grow up in, Miss Hawkins.
[5:47] Speaker 3: No, I definitely agree with that. Rashaan as well. I
[5:50] Speaker 3: think that more families have to incorporate their children in
[5:54] Speaker 3: these conversations, you know, even as little kids. You know,
[5:58] Speaker 3: you can start by incorporating you know, financial leadercy with
[6:03] Speaker 3: counting as they're growing up, and then including them in
[6:06] Speaker 3: those conversations with paying bills and things like that, so
[6:09] Speaker 3: they are aware. So yes, I experienced that as well,
[6:12] Speaker 3: and I'm pretty sure others are currently experiencing it.
[6:16] Speaker 1: Right now, I'm talking to Lakita Lakita as l e
[6:20] Speaker 1: k E t A. Hawkins. She's based out of Charlotte,
[6:23] Speaker 1: North Carolina. Her website platform their Pocketbook Strategies dot com.
[6:29] Speaker 1: What she offers financial literacy, program resources, tools and strategic
[6:33] Speaker 1: insights for those seeking to take control of their financial future.
[6:37] Speaker 1: With that being said, Ms Hawkins, what are some of
[6:40] Speaker 1: the most common financial mistakes you see people making and
[6:43] Speaker 1: how can they start correcting them today?
[6:47] Speaker 3: Absolutely wish. I just want to go back for one second.
[6:49] Speaker 3: I actually reside in the Riley area, not in Charlotte's
[6:54] Speaker 3: North Carolina. Still Carolina Carolina.
[6:57] Speaker 1: Okay, we will just keep saying North Carolina. I won't
[6:59] Speaker 1: say no mostly. Okay, yes, that's right.
[7:03] Speaker 3: Yeah, So I think I heard your question correctly. So
[7:06] Speaker 3: one of the biggest pitfalls that I see is basically
[7:11] Speaker 3: emotional spending, you know, trying to heal or celebrate with
[7:15] Speaker 3: purchases that don't serve any of our long term goals.
[7:20] Speaker 3: Another is not budgeting at all because it feels restricted
[7:24] Speaker 3: and so my advice for them today is to start
[7:27] Speaker 3: with awareness, tracking their money for just one week and
[7:31] Speaker 3: see where it's going, and then ask themselves is just
[7:33] Speaker 3: spending serving me? And then ship from autopila to being intentional.
[7:38] Speaker 1: Now let's talk back to the emotional spending. I've never
[7:42] Speaker 1: heard that, and I'm gonna tell you, when I get
[7:44] Speaker 1: bored or I get tired, I tend to spend money
[7:49] Speaker 1: that I shouldn't spend. And that's always and I noticed
[7:52] Speaker 1: that about me, and I go with Sean, stop stop
[7:55] Speaker 1: you being stupid, okay, because you just there's no rational reason.
[7:59] Speaker 1: I there are things that I have in my closet.
[8:02] Speaker 1: I look at it and go when you're going to
[8:05] Speaker 1: wear that? And why did you buy it? So let's
[8:08] Speaker 1: go back to the emotional spending because I think people
[8:10] Speaker 1: need to have some warning signs about that, because it
[8:14] Speaker 1: is important to know when you have a trigger like
[8:17] Speaker 1: that and when you slow down. And I love the
[8:19] Speaker 1: fact that you pitch the idea of tracking your expenses
[8:23] Speaker 1: for the week. I never heard that. That's a very
[8:25] Speaker 1: smart move, miss Hawkins.
[8:28] Speaker 3: So emotional spending, it kind of comes back goes back
[8:31] Speaker 3: to what we were talking about earlier. Our upbringing, our childhood,
[8:36] Speaker 3: and it brings in the psychology of.
[8:38] Speaker 2: Money, so we kind of go off of what.
[8:41] Speaker 3: We experienced as a kid. That kind of develops our
[8:44] Speaker 3: habits of how we spend as adults and or what
[8:48] Speaker 3: we're currently experiencing. So if we're going through.
[8:51] Speaker 2: A bad day, we had a bad day.
[8:53] Speaker 3: At work, or we want to assume that emotion by
[8:56] Speaker 3: going to go spend. So those are some triggers that actually,
[9:00] Speaker 3: you know, we're trying to heal or have to stop
[9:04] Speaker 3: us from doing, I guess because we tend to do
[9:06] Speaker 3: that from childhood to adulthood. And so just tracking your
[9:10] Speaker 3: money during that week or a couple of days, you
[9:13] Speaker 3: can kind of see where your ebbs and blows are.
[9:16] Speaker 3: You can see, Okay, I wasn't having a good day
[9:19] Speaker 3: and I spent all this money on Amazon and aware
[9:24] Speaker 3: of that, and I.
[9:25] Speaker 1: Think online is really dangerous. First of all, I knw
[9:28] Speaker 1: rooms were dangerous. But one can find it much more
[9:31] Speaker 1: easier to spend money because you don't have to get
[9:35] Speaker 1: in your car or go to a store, because you
[9:37] Speaker 1: can just sit around there and press press the button,
[9:41] Speaker 1: brows and things like that, So you are much more
[9:44] Speaker 1: in a position to spend money that you were talking
[9:47] Speaker 1: about emotionally or why are you fatigued or in boredom?
[9:52] Speaker 1: And that's important that you understand that correct.
[9:55] Speaker 3: Yes, being self aware. You know you have goals and
[9:58] Speaker 3: trying to make sure you b reach those. So just
[10:00] Speaker 3: being self aware and.
[10:01] Speaker 2: Being aware of the spending that you're doing.
[10:04] Speaker 3: In order to correct something, you have to be aware
[10:07] Speaker 3: and the knowledge that that it is actually happening.
[10:10] Speaker 1: Wow, that's great. We're talking to miss Lakita Hawkins, pocketbook
[10:14] Speaker 1: Strategist dot com. Don't go nowhere. She's offering us tips
[10:17] Speaker 1: on financial literacy, program resources, tools and strategic insights. You
[10:21] Speaker 1: listen to Money Making Conversation Masterclass.
[10:24] Speaker 4: Please don't go anywhere. We'll be right back with more
[10:27] Speaker 4: money Making Conversations Masterclass. Welcome back to the Money Making
[10:36] Speaker 4: Conversations Masterclass hosted by Rashaan McDonald. Money Making Conversations Masterclass
[10:42] Speaker 4: continues online at Moneymakingconversations dot com and follow Money Making
[10:47] Speaker 4: Conversations Masterclass on Facebook, Twitter, and Instagram.
[10:50] Speaker 1: So let's get back to show money Making Conversations. Because
[10:53] Speaker 1: I have doctor Hawkins. She's known as the pocket Strategists
[10:56] Speaker 1: as pocket Strategist dot com it's her website platform. And
[11:00] Speaker 1: you've been sharing us a lot of stories, doctor Hawkins.
[11:03] Speaker 1: But it's another website that you have, and I didn't
[11:05] Speaker 1: want to see it because, you know, I didn't want
[11:06] Speaker 1: to mess it up. Because I'm from the South. I
[11:09] Speaker 1: have a country voice. I try to talk as clear
[11:11] Speaker 1: as possible. If I hear certain words, I just avoid,
[11:14] Speaker 1: so I can say, pocket strategists dot com, what is
[11:18] Speaker 1: your other website there.
[11:19] Speaker 3: Doctor Hawkins's Houcky dot com.
[11:22] Speaker 1: See spell it? Please spell that to my listeners.
[11:25] Speaker 3: So it's h A W C L E I G H.
[11:31] Speaker 1: Now tell us about that doc that website.
[11:35] Speaker 3: So that website just talks about what you were saying before,
[11:39] Speaker 3: with all of the resources, the financial literacy resources and
[11:43] Speaker 3: that classes and courses and things like that on that
[11:46] Speaker 3: particular website. And pocketbook Strategists has products on that webcast.
[11:52] Speaker 1: Okay, cool, So pocketbook Strategists, I would send them to product.
[11:56] Speaker 1: If they want to get the financial information, the courses,
[11:59] Speaker 1: the strateg the insights, they go to that website. And
[12:02] Speaker 1: what's that website? Down again, because I'm not going to say,
[12:04] Speaker 1: because I'm gonna mess it up.
[12:06] Speaker 3: It's just hockey. So if it's said like h A
[12:09] Speaker 3: w k l e E when it's felt Hackley, like Raleigh,
[12:15] Speaker 3: where I'm currently located. So A h A w c
[12:19] Speaker 3: l E I g H.
[12:22] Speaker 1: I know, but tod, I try to leave it in
[12:24] Speaker 1: the in, the in the founders and the speakers like this.
[12:28] Speaker 1: You speak your truth. See that's your truth, and I
[12:30] Speaker 1: stay in my lane. I tell everybody you are the
[12:33] Speaker 1: financial expert, are you my subject matter expert? I am
[12:37] Speaker 1: only the storyteller and this story I stay in my lane.
[12:41] Speaker 1: And one of my questions I want to ask you
[12:43] Speaker 1: right now is about because we talked about budgeting, and
[12:46] Speaker 1: we talked about a lot of great things on this
[12:48] Speaker 1: interview so far. We talked about which I love the
[12:51] Speaker 1: old concept of tracking your expenses for a week. I
[12:54] Speaker 1: love that idea of emotional spending. Never heard that that
[12:58] Speaker 1: is a that is something then I know I've fallen
[13:01] Speaker 1: victim too, And especially with online being available, we really
[13:05] Speaker 1: have to look at our budget and I want to
[13:06] Speaker 1: go to that conversation to budget strategies. Talk about that
[13:12] Speaker 1: and also youth financial literacy. We kind of talked about
[13:16] Speaker 1: it earlier when as far as adult time they treated
[13:20] Speaker 1: young people back then, but we in today's time, and
[13:24] Speaker 1: youth are being allowed to understand and appreciate and train
[13:29] Speaker 1: in financial literacy. So two questions budgeting strategies and then
[13:33] Speaker 1: slide right over to youth financial strategies.
[13:39] Speaker 3: Yes, regarding budget strategies, I use one that is the
[13:45] Speaker 3: fifty thirty twenty. Some people call it twenty thirty, fifty
[13:49] Speaker 3: ten ten, twenty thirty, but basically it's fifty percent of
[13:52] Speaker 3: your needs, thirty percent of your wants, and twenty percent
[13:57] Speaker 3: goes to saving their dad. For some people use it
[14:00] Speaker 3: for tithes as well, And so every paycheck that you
[14:04] Speaker 3: get you actually break it down into these percentages. I
[14:08] Speaker 3: don't care if grandmother gives you one hundred dollars, you
[14:11] Speaker 3: didn't take that one hundred dollars, and he's going to
[14:12] Speaker 3: break it down. Fifty dollars is going to go to
[14:15] Speaker 3: your needs, thirty to your wants, and then twenty to
[14:18] Speaker 3: savings their debt. So it gives you structure and flexibility.
[14:23] Speaker 3: And for those people who feel overwhelmed, you know, always
[14:27] Speaker 3: say name your money before you spend it. If you
[14:30] Speaker 3: don't give your dollars a job, they'll just wander off
[14:34] Speaker 3: without telling you where they went. Right, So just having
[14:37] Speaker 3: a place for your money and telling your money where
[14:41] Speaker 3: to go. And I think your next question, I think
[14:45] Speaker 3: you said, is regarding you financial literacy.
[14:47] Speaker 1: Right right. We talked about how I was treated. There
[14:50] Speaker 1: was a whole generation of people who are listening to
[14:54] Speaker 1: this phone call. Know that when grown people were discussing
[14:57] Speaker 1: what they filled with grown folks information, it wasn't shared
[15:00] Speaker 1: with the youth. But in the world of financial training
[15:03] Speaker 1: now we are more inclined. I know I am with
[15:06] Speaker 1: my daughter. I was very upfront my wife, and I
[15:08] Speaker 1: was very upfront of trying to get her to understand
[15:10] Speaker 1: stock and what to do with her money and engage
[15:15] Speaker 1: her even now as an adult, to try to educate her.
[15:18] Speaker 1: But as in the youth, how does that change? And
[15:20] Speaker 1: what can a person who's listening to this show that
[15:23] Speaker 1: has children or teenagers can do an assistanm there their
[15:27] Speaker 1: growth in financial literacy.
[15:30] Speaker 3: So I believe in basically planning, planning the seeds early
[15:34] Speaker 3: in the youth, when they're younger. I think young people need.
[15:37] Speaker 2: To know that money is.
[15:39] Speaker 3: A tool, is not a goal. Right, we start with
[15:42] Speaker 3: the with the basics. You know you earn more than
[15:46] Speaker 3: you spend. You know you don't just earn more, just
[15:49] Speaker 3: suspend it. We save something from every dollar that we get.
[15:53] Speaker 3: We just talked about those savings rules, understanding the power
[15:56] Speaker 3: of compound interest, knowing that we can actually make make
[16:00] Speaker 3: money off of our money. And then, uh, just never
[16:03] Speaker 3: being afraid to ask questions about money. I think, being
[16:06] Speaker 3: able to allow your kids to ask you questions. And
[16:09] Speaker 3: then if you don't know, invest in your own self,
[16:12] Speaker 3: investing in your own financial education so you can learn
[16:15] Speaker 3: and teach your kids. And I think when kids understand
[16:18] Speaker 3: how money works, they're less likely to be manipulated or
[16:23] Speaker 3: taken advantage of later.
[16:25] Speaker 1: Right now, you know, I would show I have a
[16:28] Speaker 1: lot of listeners who are female and women. I work
[16:30] Speaker 1: with six sisters, so I understand the value of a
[16:34] Speaker 1: woman's voice. That they said that in the home when
[16:37] Speaker 1: the leading purchaser or decision maker is the woman when
[16:42] Speaker 1: it comes to purchases at home. Now, empowering women financially,
[16:46] Speaker 1: that's a question you submitted to me. What do you
[16:48] Speaker 1: mean when you say empowering women financially, doctor Hawkins?
[16:52] Speaker 3: So I believe, as a you know, a successful woman
[16:56] Speaker 3: and finance myself, the message for women we feel financially
[17:01] Speaker 3: overwhelmed or sometimes dis empowered. So you know, just telling
[17:05] Speaker 3: the women out there that they're not alone, you're not behind.
[17:09] Speaker 3: I think many women carry the emotional and financial load
[17:13] Speaker 3: that you talked about and for others without ever being
[17:17] Speaker 3: poured into themselves. As we mentioned, so, I think we
[17:21] Speaker 3: deserve financial clarity the piece the joy, and it starts
[17:25] Speaker 3: with just one step. And you know, we learn one
[17:27] Speaker 3: new thing this week, just like we're tracking our budgets
[17:30] Speaker 3: this week, learning new one thing this week, and then
[17:32] Speaker 3: knowing that every decision you make towards financial wellness is
[17:37] Speaker 3: a form of self love. So basically investing in your
[17:40] Speaker 3: own financial education, learning financial literacy for yourself, well.
[17:44] Speaker 1: That's important, doctor Harkins. As we are near the close
[17:47] Speaker 1: of the show, like I said, you have two websites.
[17:51] Speaker 1: Once a website is about product and the other website
[17:54] Speaker 1: is about the lessons or insights the courses. You a
[18:00] Speaker 1: little bit more breakdown of what their website brings to
[18:02] Speaker 1: the table, so my listeners can know and also out
[18:05] Speaker 1: of curiosity may visit their website to gain more information.
[18:08] Speaker 1: Floor is yours?
[18:09] Speaker 3: Absolutely so the PowerBook Strategies dot com, it's a guided experience,
[18:15] Speaker 3: is basically designed to help individuals smash through their limited
[18:18] Speaker 3: beliefs and map out of strategy to help them safe.
[18:22] Speaker 3: That's where that product comes in. At at Hawkley dot
[18:24] Speaker 3: Com is building a resource hub of tools and templates
[18:28] Speaker 3: and training because I believe everyone deserves access to real transformation.
[18:34] Speaker 3: I'm not here just teaching numbers. I'm changing narratives. So
[18:38] Speaker 3: that's mainly the difference between the two. I want everyone,
[18:42] Speaker 3: no matter their background, to have access to tools that
[18:45] Speaker 3: change their money story. I believe your pocketbook or your
[18:49] Speaker 3: pocket is personal and your power starts with what's inside
[18:52] Speaker 3: of it.
[18:53] Speaker 1: You know, as we close out, this is my final
[18:55] Speaker 1: question to you, what's what's one financial lesson that you
[18:59] Speaker 1: have personally that you have and that came into your life,
[19:02] Speaker 1: it personally transformed your life, and how can you share
[19:05] Speaker 1: that with others or can you share with us on
[19:08] Speaker 1: this show.
[19:13] Speaker 3: Money doesn't change who you are, it amplifies who you are.
[19:17] Speaker 3: I think some people think if I make too much money,
[19:19] Speaker 3: it's going to change me. Or this person made this
[19:23] Speaker 3: amount of money and it changed them. So if you're generous,
[19:25] Speaker 3: it gives you more room to grow. If you're scared
[19:27] Speaker 3: and would expose that, so just healing your relationship with
[19:31] Speaker 3: money is deeply personal work. I teach him experience because
[19:35] Speaker 3: I lived on both sides, struggling and thriving, and I
[19:37] Speaker 3: want others to know the transformation is possible. And if
[19:40] Speaker 3: I can just one other thing, because I feel like
[19:42] Speaker 3: it's not just one. Everyone needs to know the difference
[19:45] Speaker 3: between assets and liabilities. Assets puts money into your pocket
[19:49] Speaker 3: and liabilities takes money out. So once we have that
[19:52] Speaker 3: concept down, then all the other things will begin to
[19:55] Speaker 3: make better sense.
[19:57] Speaker 1: I think, you know, I agree with them. I have to.
[20:00] Speaker 1: You know, I've been fortunate to been on both sides
[20:04] Speaker 1: of the track, and you know, people always say, you know,
[20:08] Speaker 1: as you gain money, you cannot live the way you
[20:11] Speaker 1: live when you didn't have money. In other words, you know,
[20:14] Speaker 1: if you was buying McDonald's, which is nothing wrong with
[20:16] Speaker 1: buying McDonald's, you might want to buy a steak. Because
[20:19] Speaker 1: you're making more money, you start treating yourself, you start moving.
[20:23] Speaker 1: I won't live in this neighborhood. I want to live
[20:24] Speaker 1: in this neighborhood, so you're always going to uplift there.
[20:27] Speaker 1: You always hear these rare stories by people who got
[20:30] Speaker 1: all this money, but they still living like they don't
[20:34] Speaker 1: have money. You hear these stories now that ain't ra
[20:36] Speaker 1: Sean McDonald. Okay, not that I spend what I get,
[20:39] Speaker 1: but I do spend, Okay. But in anyway, your valuable
[20:44] Speaker 1: information you've given us, Doctor Harker's to my listeners again,
[20:47] Speaker 1: I want to invite you back on my show middle
[20:49] Speaker 1: of the summer. You know, values change, and I want
[20:52] Speaker 1: to bring people on because the information you gave today
[20:54] Speaker 1: I think was filled with common sense and I think
[20:58] Speaker 1: that's a lot of things. That's something people don't understand
[21:00] Speaker 1: about money. If common sense stays at the top of
[21:04] Speaker 1: your list, you keep a lot of your money for
[21:06] Speaker 1: a lot lower. Thank you for coming on my show,
[21:09] Speaker 1: doctor Harkins. I appreciate you and we'll talk soon.
[21:11] Speaker 2: Okay, thank you, have a good one. Mite.
[21:15] Speaker 1: This has been another edition of Money Making Conversation Masterclass
[21:18] Speaker 1: hosted by me Rashaun McDonald.
[21:20] Speaker 5: Thank you to our guests on the show today.
[21:22] Speaker 1: And thank you our listening to audience.
[21:24] Speaker 5: Now if you want to listen to any episode I
[21:26] Speaker 5: want to be a guest on the show, Visit Moneymakingconversations
[21:30] Speaker 5: dot com. Our social media handle is money Making Conversation.
[21:34] Speaker 5: Join US next week and remember to always leave with
[21:36] Speaker 5: your gifts.
[21:37] Speaker 1: Keep winning,

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