Wealth & Career for Women Over 502019-08-04T12:37:27-04:00
wealth and career over 50


Astory about bad clients: As a seasoned book designer, I’ve worked with literally (pun intended) hundreds of authors on their books. My first passion is designing: I love playing an instrumental role in helping independent authors sell their products.

But when they fail to understand that I’m worth the money I charge, we have a problem.

Case in point: Last year I started working with an author to design the interiors and covers for her book series. When I agreed to take on her project, she hawed around on price (even though I had seen an article written by her on about how to make a million dollars a year… uh, what?).

Nonetheless, I welcomed the chance to stretch my creative prowess in a genre I wasn’t used to. I gave her a volume discount for her series.

The first book project went amazingly smooth. I was proud of my work, and she loved it. Ah, the excitement of a first book published! I was her new best friend.

The honeymoon phase soon faded.

With her second book, she asked if I would “bundle in” some social media post designs. Sure, it’s only a 1/2 hour or so more of my time. I complied. Then I ran into some Word issues (no, not Word! lol) which took more time to fix. Sigh!

With the third book, she suddenly became very nit-picky, and ended up putting many un-billable hours into creating design modifications that weren’t clearly defined beforehand. I wasn’t too happy, but assuming this was the last book in the series, I said nothing.

After the third book was done, she mentioned book #4. Um, what? There was never any discussion about a fourth book! Dios mio.

Reluctantly, I put forth the effort and cranked #4 out, WITH the original volume discount, with the anticipation of knowing it was all finally done. Finally. I’ve spent enough of my time and money to make her happy. At this time I should have clarified, but I didn’t. So when she mentioned another book in the works, I knew I had to speak up and let her know I cannot do any more of her work at the current price.

In Chillpreneur: The New Rules for Creating Success, Freedom, and Abundance on Your Terms by Denise Duffield-Thomas, she says: “Pricing out of someone’s budget or comfort zone doesn’t make you greedy. It’s okay for those people to be served by someone else….It’s not evil or manipulative to make a significant living from your business.”

I love, love this book. I realized that I have “money blocks”, or preconceived notions about what to charge for my services. Her advice has helped me break through a guilty mindset and realize that I’m worth more, because I provide more. Now I charge what I feel my value is worth — so I am able to provide my very best service.

With this balance in place, everyone wins.

So, after applying this new, improved mindset, I decided it was time to weed out the garden and see where things fall. I crafted this letter to her:

Hi [Client], I hope you are doing well.
As you’re probably aware, I’ve been focusing on growing my business as well as starting a new business venture, and lately, some interesting opportunities have surfaced that I need to explore. 
These opportunities, along with my 20 years in the field, have made me realize that I need to maintain integrity in my craft. 
Moving forward in my journey, I have to stay true to myself. And that includes making some adjustments in my pricing I feel will better align with the value I provide.
For that reason, I will now only be accepting dedicated book clients who have the budget to receive my premium service. This ensures I am able to put 100% of my attention and care into every project—without resentment.
That being said, I would love to continue designing your books—but I completely understand if this does not work for you.
Careful consideration was put into this decision before contacting you— but as a businesswoman who knows the value you provide to your own clients, I am confident you will understand.

Regardless of where our relationship goes from here, I wish you the very best of luck with your series – I know it will be great!

Warmest regards,


I didn’t apologize for my actions. I made the decision to value myself, and had already planned for the “worst case” scenario (which secretly, I wanted, because I was sooo burnt out on this project).

I knew she would respond in one of two ways:

  1. As a professional writer herself who charges premium for her service, she’ll be able to relate to my position, and since she loves my work, budget for the price increase accordingly.
  2. She’ll be upset and compose a long reply telling me why she’s upset.

Well, you guessed it—She chose option #2—which surprised me, because she was so particular about her branded look. But again, I wasn’t going to feel guilty about my decision. I was relieved! My conscience was a little clearer, I didn’t have to dread her next project, and now I was free to accept clients who were willing to respect me and my work in exchange for my premium attention.

No more wasting my time with unreasonable, free modifications! No more bad client issues.

After her lengthy rant, peppered with snarky undertones, she audaciously requested I give her my original art files. Wrong. I had to break the bad news that, honey, those working files legally belong to me—

but I’d be happy to license them out for a fee.

Of course, presumably to save face, she turned me down—without even asking what I would charge… odd.

Come to think of it, she never asked what my new costs were, either. I’m not an evil, greedy bitch, I just respect my business self a bit more these days. And give less fucks what people think.

Mieux pour moi! 

Since pulling weeds, I’ve had time and energy to accept a few higher-paying clients for my blooming garden. Now, I’ve become super-clear on conveying my services and expectations before the project begins. People respect that. All in all, a great lesson learned.

To my former client: I wish you all the success with your books….

Oh—and that million-dollar business. 😉

I highly recommend these books for entrepreneur success:



“When you undervalue what you do, the world will undervalue who you are.”

—Suze Orman


According to Jon Morrow, a noted blogging expert, now there’s a new strategy to start a blog that is much faster, up to 20 times faster, than the old method – and still not well known.

For clarification, here’s the Old Method, according to Jon:

  1. Purchase web hosting

  2. Set up a new site through cPanel

  3. Create a new WordPress installation through Fantastico or one of their competitors

  4. Pick out and install your WordPress theme

  5. Customize your theme until it looks the way you want

  6. Install and configure caching plugins

  7. Install and configure backup plugins

  8. Add any extra functionality you need, such as social sharing, e-commerce, etc., by installing additional plug-ins

Unless you’re a techie, these steps can be overwhelming – and a huge reason why most bloggers fail.

Now, let’s summarize the New Method (for 2019):

  1. Check Viability

  2. Spy on Similar Blogs

  3. Test Ideas on Medium

  4. Switch to WordPress – The Right Way

  5. Set Up Your Site – The Right Way

Today, we’re going to focus on Step 1: Check Viability.

A common myth about blogging is the belief that a blog can be created about anything, but that isn’t true. Some subjects and niches just don’t transfer well as a blog. More than 95% of Jon’s students begin by targeting an audience that doesn’t exist. They start a blog around a niche that doesn’t attract any interest.

A good audience shares these traits:


People recognize themselves right away. You have to use the words they use to describe themselves – almost always describing the symptoms, not the cause. For example, a blog about Guys Who Struggle Understanding Their Masculinity probably wouldn’t work well… but a blog about Why Guys Get Friend-Zoned would be much more relatable.

Grouped into Smaller Perspectives:

A blog about freelancers in general would be extremely hard to become successful – the niche is way too broad. Think of your blog as a room: If your targeted audience was in one room, would they all stick together, or would they separate into smaller groups of similar interests? Focus on a niche that is one of those smaller interest groups.

Has a Distinct Continuum of Expertise.

The most successful blogs are the ones with a lot of novices and just a few experts. You want to target beginners who are passionate to learn more about the subject.

Shares the Same View.

A blog about Parents is too broad to succeed, as there are so many subsets (mothers, fathers, parents of teens, parents of babies, etc.) to this subject. Instead, niche it down to one subset: Mothers of Teen Daughters, for example.

Connects on Social Media.

A blog about Erectile Disfunction will never survive, because men just don’t openly talk with other men about it on social media. You wouldn’t get much traffic from Facebook or Instagram.

Willing to Visit.

Millions of people suffer from depression, but there are no blogs targeted directly to depressed people. Why? Probably because reading about depression makes them more depressed! However, a blog that targets families of depressed individuals would be much more popular, as loved ones have a desire to learn how they can help.

Is an Ongoing Interest.

Have a blog that will guarantee repeat visitors, not something that targets a one-time event. A good example is Women who are Planning a Wedding. Your audience will only be interested for the time it takes to plan the wedding. Once the wedding happens, they won’t come back! This blog will have a lot of “churn” – people coming in, and people going out – and you really won’t see a change in growth.

Has Millions of People.

A blog about Women with Size 5 Feet would probably have a loyal following, but unlikely to ever be monetarily worthwhile because the niche is too small. For a blog to grow and be sustainable, it needs a potential audience of millions.

Qualifying your blog idea with these eight traits will serve you well to know what is potentially viable to start a blog.

I’d love to share steps 2-5 of my summary on the New Method, in my newsletter. Sign up below!

No spam, no blowing up your email, pinky promise.

Popular Blogging Books:

Habits like blogging often and regularly, writing down the way you think, being clear about what you think are effective tactics, ignoring the burbling crowd and not eating bacon. All of these are useful habits.
Seth Godin


For those who don’t know about Tai Lopez, he’s one of the world’s leading and trusted business influencers who offers several entrepreneur-centric courses, all taught by either himself or other gurus such as Alex Mehr (founder of Zoosk), Adrian Morrison, Joe Soto, and the list goes on. Now he’s offering a way for others to cash in with his Tai Lopez affiliate program.

I’m currently taking his SMMA (Social Media Marketing Agency) certification course, and I have to say I’m very pleased.

Here are some more programs / products he offers:


A few weeks ago I received a text from someone on Tai’s team personally inviting me to look into a quiet little program Tai started called Cashfloww. This is where others can sign on as partners to promote Tai’s products for a nice chunk o’ commission.

On the program website, Tai talks more about the program and guarantees I’ll make $2500 in 60 days, or he will personally refund my money. He doesn’t need my money. This whole program is just icing on his cake. Okay, I’m intrigued…

If that’s not enticing enough, he added another tier: His partners will also receive a commission on anyone who makes a sale through their own affiliate link. Hmm…

He’s quick to state that this is not an MLM:

“This is not multi level marketing because we only have a two-tiered affiliate and super affiliate system. There are not downlines and multiple levels where people are earning from other people they have never met.”

Okay, I get that. It’s only one level down, we earn a nice commission off them, very trackable and connectable, no hand-holding. Nice.

Full disclosure: The cost to get in is $997. Even if nobody bites in 60 days, Tai (aka Cash Flow Partner Systems LLC) guarantees a full refund. His reputation is on the line. What is there to lose?

Weighing Out The Risk

Now I’m naturally a skeptic about everything, but I’ve learned a lot of good stuff through the SMMA program. Last month I made over $2000 just by applying what they taught me.

Knowing Tai’s track record, plus with the guarantee he offers, I plunked down the cash to become a Tai Lopez affiliate.

It took a few weeks, but today I finally saw my first commission – $498.50! Woo woo! Getting there!

I’ve checked out all the programs in his affiliate program, and they’re all chock-full of good info. His technique is having simple, easy to follow videos. In the SMMA program, for instance, it stays evergreen with new updates on trends and technology – so I know I’m always getting the newest info by the top gurus.

Why Investing in Progressive Education Makes Sense

I have a hunch that he’s right when he says that education will continue to evolve beyond traditional platforms. Colleges fail to teach proven, practical skills for succeeding in business. With Tai, we learn from the real experts who have dug through the trenches to become millionaires.

In my opinion, with the ever-increasing cost of college and the many years it takes to complete school, people will continue to seek quick, affordable ways to become certified and skilled in business knowledge. Certifications and online courses will only grow in popularity. Tai has created a system that embraces the future of education.

To learn more and watch a free training, check it out here: cashfloww.com/biz

Let me know how it goes!

Disclaimer: Compensation is being provided by Cash Flow Partner Systems LLC. The opinions expressed herein are those of the author and are not indicative of the opinions or positions of Cash Flow Partner Systems LLC or its affiliates.

At the end of the day, most people get what they deserve. Your world is a reflection of who you are and what you deserve. To get what you want, you have to deserve what you want.
—Tai Lopez


Business certification programs: Want to get real business skills without going to college for an MBA?

Here’s the issue with college degrees and college education in general…

It doesn’t really guarantee you developed a skill.

So basically, when you enter the real world, you could be starting from scratch again.

And that’s the problem with a lot of business certification programs. You don’t leave with any practical skills.

So I’ve been trying to find an affordable way to learn different business skills. But I did not want to buy multiple courses from multiple people.

And after a ton of researching I finally found the solution.

It’s a platform where I can learn from and get certified by ONLY successful entrepreneurs.

These are entrepreneurs who’ve actually had success in business…

Unlike most people trying to sell their business courses or programs online nowadays.

So what did I find?

Knowledge Society. It’s a platform with multiple business certification programs for skills like digital marketing, business networking and service business building.

And all the teachers are actual experts and successful entrepreneurs.

Right now I’m going through the digital marketing certification program. And I promise you this is better than any college program.

Wouldn’t you rather learn digital marketing from Alex Mehr then a college professor?

Alex has actually spent hundreds of millions of dollars on ads building his businesses.

I have personally taken his SMMA courses, and he is one of the best.

If you know any college professor who’s done that, let me know.

So if you’re interested in checking out Knowledge Society…

Then check out this video here to learn more: knowledgesociety.com/biz

You won’t regret it.

Disclaimer: Compensation is being provided by Cash Flow Partner Systems LLC. The opinions expressed herein are those of the author and are not indicative of the opinions or positions of Cash Flow Partner Systems LLC or its affiliates.

An investment in knowledge pays the best interest.
—Benjamin Franklin


In 1981, Faith Popcorn, a noted futurist, controversial public speaker, and best-selling author, coined the term “cocooning”. She defined this as, “The need to protect oneself from the harsh, unpredictable realities of the outside world.” In other words, taking some good alone time.

I’m currently cocooning. Not in an extreme sense (I don’t hermit myself 1000 miles away from civilization, although sometimes I’d love to), but in a practical sense—in an effort to separate myself from daily distractions and reflect on my own goals.

There’s a lot of noise going on in the entrepreneurial world, all around me. A plethora of talking heads all with the same smarketing (social-media-marketing) jargon regurgitated ad-nauseam: “Leverage”, Purpose-driven”, “Actionable”… And the cringe-worthiest term of them all, “Boss Babe”… Puke. Shut. UP.

I witness someone on the daily asking a simple question on a popular Facebook Women Entrepreneurs page, and five minutes later there are 348 responses, 98% of which are pushing their own sales and service agendas like hungry koi, clamoring for the same crumbs.

Isn’t anyone authentic anymore?

I can’t resonate with any of them. I know the vast majority will never succeed.

Say No to the Noise

The point I’m trying to make is that it’s perfectly okay to just say no in order to focus on your own specific goals. True friends and loved ones will understand.

finding time for meA balanced life is living 50% selfishly, and 50% selflessly.

We can’t give of ourselves fully to others if we haven’t first met our own needs. So go forth, be selfish. Do you. Say out loud, “I need some alone time.” Then go do it.

In my attempt to focus I have pretty much been a semi-hermit during the day: researching, writing, brainstorming, course-taking; quietly building what I hope and pray is a sustainable platform, sitting at my computer, 7 days a week, 8+ hours a day.

Staying 85% off social media, and not being sucked into the constant, daily drama.

Every now and then I put up a cute or funny post on my personal page, just to let everyone know I’m alive. So far, nobody is the wiser. Good… good.

I’m. So. Boring. Right. Now.

But this is my passion. My true friends and family know this is important to me. And, I have the absolute best boyfriend in the world who supports me 100%. Truth be told, 50% of the reason I do what I do is so someday he do whatever the sam fuck he wants. He deserves it.

Currently, my behind-the-scenes focus has been creating a pitch deck for a new web app I had developed. And might I say, What the fresh hell.

Pitch decks, those fun little Powerpoint slides that will make or break your chance at getting any funding from investors, are like being chosen to go out on a blind date with a millionaire. You get only one chance to impress, so you clean up, put on a new dress, and pray that your personality and fake confidence has just the right amount of sparkle to override the gray roots, the duct-taped pumps, or the salad stuck in your teeth.

I’m down to finalizing my presentation and so now I’m trying to push through a paralyzing fear of rejection. This always helps:

Entrepreneurship is living a few years of your life like most people won’t, so you can spend the rest of your life like most people can’t.
— Anonymous

Turn off the Clutterfuck

Sometimes it’s necessary to channel your thoughts elsewhere. Power walking has always been my alone-time escape of choice, but now, instead of jamming to 70’s classic rock while I workout (typical GenX here), I’ve started taking these “mini MBA” lessons from the greats in an attempt to form a stronger, wiser mindset.

So even if my workday has been a complete bust, just knowing I’m learning from the wealthiest entrepreneurs in the world gives me that warm fuzzy of accomplishment. I’m able to go on another day.

For super-intense times, I’ll switch gears—pull out my paints and paint brushes, and go full art-therapy. The canvas is my bitch.

A Channel of Passion

Finally, in an attempt to organize and chronicle my distorted musings, I started this blog. It’s been a pent-up passion I’ve had for quite some time — a way to connect with other driven, non-conforming mid-life women like myself. It’s exciting to watch this take form into something I can use to hopefully help others find time. 

‘Cuz this, my friends, is the best time of our lives. Onward! 

Ugh, done writing. Time to cocoon. Now, where’s that paint brush….


A few months ago I stumbled onto a video about a Tai Lopez mentor program called The 5 Minute Mentor. For those who don’t know, Tai is a worldwide self-help guru and multi-million dollar business owner, investor, and advisor. He has many courses on achieving financial independence and wealth.

He’s intelligent, nice looking, and old enough — not some 19-year old who thinks they can BS their way into your checkbook with outrageous promises. As a result of his success, he has his fair share of haters, which further qualifies him in my book.

Tai delivers his messages in a down-to-earth, easy to understand way, and I’ve never heard him curse. How refreshing.

He talks candidly about his humble upbringing, being raised by a single mom. It’s pretty obvious he loves and respects his family.

Out of all the so-called “gurus” of the industry I’ve listened to (dozens), He’s the only one who has made any lasting impression on me.

Okay, my interest is piqued!

I signed up for his mentor program, and let me say it’s been one of the best investments I’ve ever made. His knowledge is so vast and on point, and I’ve applied his techniques to my clients’ businesses as well as my own. In effect, I’ve seen notable results across the board that will just keep improving.

Check out my article on Tai’s other courses.

If you’re in a financial rut, or would like some sage insider tips from a multi-million dollar business owner, I highly recommend investing a dollar into this Tai Lopez mentor program, “5 Minute Mentor”. Tai shares 5 minutes of his sage advice, per day, for 28 days. It costs a dollar.

But don’t take my word for it – click here to read more.


Success comes to those who dedicate everything to their passion in life. To be successful, it is also very important to be humble and never let fame or money travel to your head.

—A. R. Rahman