In this episode, Hazel explores the importance of creating space in our lives for reflection and self-discovery. Emphasizing the need to step back from daily responsibilities and the chaos of life, she shares personal experiences of finding freedom and clarity through moments of solitude, such as dog walks and retreats. Hazel highlights how taking time to check in with oneself can lead to a deeper understanding of one’s feelings and thoughts, ultimately guiding better decision-making.

KEY TAKEAWAYS

• Creating space in your life, whether through daily practices like walking or through retreats, is essential for self-reflection and personal growth.

• It's crucial to take time each day to check in with yourself, assess your feelings, and allow your thoughts to surface, which can lead to clarity and a sense of calm.

• Often, our minds can complicate decision-making by getting stuck in past patterns. Tuning into your inner self can provide clearer insights and guidance.

• By regularly reconnecting with your core self, you can access a sense of peace, abundance, and love, which is vital for making informed life choices.

• Taking time to reset and reflect allows you to approach challenges from a more centered and proactive mindset, rather than reacting out of stress or confusion.

BEST MOMENTS

"Creating a bit of space in your world to take stock of what's going on, to reflect on what's happening, and just to, I guess, come back to yourself."

"The most important gift we can give to ourselves is the gift of space."

"Thinking and allowing the thinking to subside and sink down and coming back to your centre... is all important when it comes to clarity and the ability to move forwards."

"It's so important to remind, re-mind yourself of this on a really regular basis, every single day."

"By doing this, I find that it can just give you that totally different perspective on what's going on for you."

VALUABLE RESOURCES

Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances...

https://www.the-freedom-club.com/on-the-money-2024

ABOUT THE HOST

Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free.

She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn’t JUST come from being financially independent…

Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'.

During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest.

CONTACT METHODS

Website
Instagram

In this episode, Hazel delves into the profound impact of influences in our lives, particularly focusing on the people we surround ourselves with. Using a personal anecdote about a friend from the Freedom Club, she highlights how positive influences can encourage financial growth and risk-taking, while negative influences can hinder personal development. Hazel emphasizes the importance of being mindful about our social circles and the conversations we engage in, as they shape our beliefs and outcomes.

KEY TAKEAWAYS

• The people you surround yourself with significantly impact your mindset, financial decisions, and overall life trajectory. Choosing your social circle wisely can lead to personal growth and new opportunities.

• Early influences, particularly from parents, play a crucial role in shaping financial habits and attitudes towards money. Positive teachings about budgeting and saving can set a strong foundation for future financial behavior.

• Engaging with diverse groups, such as the Freedom Club, can help individuals become more comfortable with taking calculated risks, which is essential for building wealth and achieving personal goals.

• Young people are highly impressionable and absorb the behaviors and attitudes of their peers. Positive or negative influences can significantly affect their development and decision-making processes.

• It is important to consciously evaluate and choose the influences in your life. Recognizing the impact of external factors allows individuals to make informed decisions about their relationships and environments, ultimately leading to a more fulfilling life.

BEST MOMENTS

"Who do you surround yourself with? That’s a thought-provoking question about the influences in our lives."

"If we can choose carefully who we surround ourselves with, our mindsets can shift as a result of that."

"Certain influences can drag you down. It's up to you to really see that and make the choice for yourself."

"You can either choose to be a victim to those influences or you can make a different choice."

"It's about having those nurturing, developing conversations. Sometimes the tough conversations can help you grow even more."

VALUABLE RESOURCES

Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances...

https://www.the-freedom-club.com/on-the-money-2024

ABOUT THE HOST

Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free.

She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn’t JUST come from being financially independent…

Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'.

During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest.

CONTACT METHODS

Website
Instagram

In this episode, Hazel, a financial and wealth coach, delves into the world of cryptocurrencies, emphasising her growing relevance in today's financial landscape. With a clear disclaimer that the discussion is based on personal experience rather than financial advice, Hazel explores the dichotomy between centralised and decentralised finance, highlighting the potential impact of central bank digital currencies (CBDCs). Drawing on personal anecdotes and lessons learned from their own investment journey, Hazel encourages listeners to educate themselves about cryptocurrencies and consider allocating a portion of their net worth to this evolving space. The episode underscores the importance of calculated risk-taking and the potential for significant financial opportunities, likening the current cryptocurrency landscape to the early days of the internet and the stock market.

KEY TAKEAWAYS

1. Understanding Cryptocurrencies: Cryptocurrencies are a significant and evolving part of the financial landscape, and it's essential to educate oneself about them, regardless of personal opinions or past experiences.

2. Centralized vs. Decentralized Finance: There are two main camps in the cryptocurrency world: centralized finance, which is controlled by banks and exchanges, and decentralized finance, which offers transparency and control over transactions.

3. Investment Strategy: It's advisable to allocate a small percentage (e.g., 5%) of your overall net worth to cryptocurrencies, treating it as a long-term investment rather than a get-rich-quick scheme.

4. Learning from Experience: Engaging in the cryptocurrency market involves a learning curve, where one must navigate the highs and lows, take profits at the right time, and avoid overexposure to any single asset.

5. The Importance of Taking Risks: The biggest risk in life is not taking any risks at all. Exploring opportunities in cryptocurrencies or other investments can lead to significant financial growth if approached with education and calculated risk.

VALUABLE RESOURCES

Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances...

https://www.the-freedom-club.com/financial-freedom-spreadsheet-landing-page

ABOUT THE HOST

Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free.

She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn’t JUST come from being financially independent…

Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'.

During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest.

CONTACT METHODS

Website
Instagram

In this episode, Hazel interviews Gavin Watson, who shares his inspiring journey to becoming a successful business strategist and consultant. After experiencing redundancy during the financial crash of 2008, Gavin reflects on the pivotal moments that led him to seek greater freedom and control over his life. He discusses the challenges he faced while transitioning into entrepreneurship, including the ups and downs of building multiple income streams and the importance of resilience. Gavin also highlights his passion for helping others, including his plans to launch a charity aimed at providing emergency accommodation for those in need.

KEY TAKEAWAYS

• The journey from a corporate role to running a business often stems from a desire for freedom and control over one's destiny. Experiencing redundancy can serve as a catalyst for individuals to pursue their passions and create alternative income streams.

• Facing challenges, such as a breakup or financial difficulties, can lead to significant personal growth. Recognizing one's resilience can empower individuals to navigate future obstacles with confidence and determination.

• Building strong relationships and rapport with others is crucial in both personal and professional settings. Listening and understanding others' needs can enhance collaboration and lead to successful outcomes.

• Freedom evolves over time; it shifts from the ability to travel and enjoy leisure to making impactful life choices that benefit not only oneself but also others. True freedom is about having the capacity to help and influence those around you positively.

• The rise of online bullying and negativity can deter individuals from sharing their voices. Understanding that hurtful comments often stem from the commenter’s own issues can help individuals maintain their confidence and continue to express themselves authentically.

BEST MOMENTS

"I realized from then, because I was the first one in the office, the last one to leave... it doesn't matter what you do, if they need to get rid of you, you do then become a number at the end of the day."

"I took £6,000 and I turned that into about £80,000 within the space of about sort of five, six months."

"I want to try and build something to show that people do this because of issues in their own lives. It's not about you personally."

"For me, freedom now is more about being able to help those around or being in a position that I can influence or do something that could make other people's life a little more free."

VALUABLE RESOURCES

Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances...

https://www.the-freedom-club.com/financial-freedom-spreadsheet-landing-page

ABOUT THE HOST

Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free.

She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn’t JUST come from being financially independent…

Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'.

During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest.

CONTACT METHODS

Website
Instagram

In this episode, Hazel shares her passion for the challenges faced by property owners, particularly in light of recent tax changes and interest rate hikes. Using a personal example of a six-bedroom Victorian HMO property in Sheffield, she discusses how her once profitable investment has turned into a financial burden due to the inability to offset mortgage interest against rental income and the impact of rising interest rates.

KEY TAKEAWAYS

• The introduction of Section 24 has significantly affected landlords by limiting the ability to deduct mortgage interest from taxable income, particularly impacting higher rate taxpayers.

• A series of interest rate hikes over the past couple of years has transformed previously profitable properties into financial burdens, highlighting the importance of monitoring cash flow.

• Regularly assessing the financial performance of rental properties is crucial. The example shared illustrates how a property that once generated positive cash flow can turn into a loss, necessitating a reevaluation of its viability.

• Landlords facing negative cash flow have options, such as selling the property or refinancing to a fixed-rate mortgage, but each choice comes with its own set of challenges and considerations.

• The exit of many landlords from the rental market has led to a decrease in available rental properties, contributing to rising rents and creating a challenging environment for both landlords and tenants.

BEST MOMENTS

“You know, we are a business at the end of the day, we are not a charity. And yes, we've had the heydays, we have had the high times, and now we're experiencing the lower times.”

“It just makes you wonder: Why are they creating this impossible situation for landlords? Literally landlords have been exiting the market in droves over the last few years. and you know that's why rents are going sky high, because the amount of supply of decent properties has gone massively down.”

“It seems like perhaps selling up, getting a decent chunk of money back and investing elsewhere is perhaps the better option at the moment.”

“If you do own property, make sure you're looking at the bottom line, not just the top line figure of what the rent is coming in minus various bits and pieces, expenses, what have you. Make sure that you're getting the real bottom line figures.”

VALUABLE RESOURCES

Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances...

https://www.the-freedom-club.com/financial-freedom-spreadsheet-landing-page

ABOUT THE HOST

Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free.

She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn’t JUST come from being financially independent…

Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'.

During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest.

CONTACT METHODS

Website
Instagram

Hazel dives into the "four A's formula," a simple yet powerful equation that captures the key elements of success: aptitude, attitude, and action. When combined, these three factors can elevate your "altitude" or level of achievement. Hazel shares a heartfelt story about discovering her musical aptitude as a child, which sparked a thriving career as a classical musician and music teacher. She then applies the same formula to her journey in the property market, showing how these principles can create exponential growth and success in different areas of life. This episode is both a motivational and practical guide, encouraging listeners to embrace the formula and reach new heights in their own pursuits.

KEY TAKEAWAYS

• The Four A's formula consists of aptitude, attitude, and action, which together determine one's altitude of success.

• Aptitude refers to one's natural talent or skill in a particular area, such as music in the example provided.

• Attitude plays a crucial role in success, as a positive mindset and willingness to practice and improve can lead to significant achievements.

• Taking action towards one's goals is essential for success, as demonstrated by the speaker's journey from playing music to pursuing a career in property.

• By applying the Four A's formula to various aspects of life, individuals can potentially experience exponential growth and achieve desired results.

BEST MOMENTS

• "It's your aptitude times your attitude times your action that equals your altitude."

• "I was good at music as a young child... I learned to play by ear... I was developing my aptitude for music."

• "I took serious action towards my dreams... I wanted to be first bassoon in the Royal Philharmonic Orchestra."

• "When we take our aptitude for something and we multiply it by the attitude we have towards it, and we multitude that by the action that we take, it equals the altitude, the degree of success that we achieve."

• "Because what I'm about is all about expansion and creating wealth and creating abundance, I just thought this was quite a nice little idea formula for you to apply to your life."

VALUABLE RESOURCES

Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances...

https://www.the-freedom-club.com/financial-freedom-spreadsheet-landing-page

ABOUT THE HOST

Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free.

She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn’t JUST come from being financially independent…

Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'.

During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest.

CONTACT METHODS

Website
Instagram

In this episode, Hazel discusses the power of making small financial tweaks that can have a significant impact on one's long-term financial future. She illustrates how simple decisions, such as moving money to a higher interest account or practising pound cost averaging, can lead to substantial financial growth over time. Hazel also highlights the potential of leveraging time and consistent investments to build wealth, citing examples of property investments that yielded impressive returns.

KEY TAKEAWAYS

• Making small tweaks or decisions in your finances can have a massive impact in the long term.
• Utilizing the power of time along with your money can help create a small fortune over time.
• Examples such as moving money to higher interest accounts, pound cost averaging investments, and strategic property purchases showcase the potential for significant financial growth.
• Consistency, commitment, and creativity in financial decisions can lead to substantial gains over time.
• Joining a community like the Freedom Club can provide support and guidance in achieving financial and lifestyle freedom through strategic financial decisions.

BEST MOMENTS

"Pound cost averaging is one of the best forms of making your money grow over the long term."

"This is basically free money that we've had from one decision that we made way back when."

“The total value that we have had from this property in terms of the capital growth we've had and the cash flow has been £159,200 from one property that we bought with none of our own money.”

"What is the one small step that you could take that you could commit to in terms of tweaking your finances to create this potential fortune down the line for yourself?"

VALUABLE RESOURCES

Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances...

https://www.the-freedom-club.com/financial-freedom-spreadsheet-landing-page

ABOUT THE HOST

Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free.

She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn’t JUST come from being financially independent…

Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'.

During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest.

CONTACT METHODS

Website

Instagram

In this episode, Hazel delves into the true meaning of wealth beyond its conventional definition of monetary and material possessions. By exploring the origins of the word "wealth," Hazel uncovers its ancient roots in well-being, welfare, and happiness. The episode emphasizes the importance of defining wealth for oneself and reclaiming its original, broader meaning. Through a thought-provoking story about a Mexican fisherman, Hazel illustrates that true wealth lies in finding joy and fulfillment in everyday activities, rather than in the accumulation of material wealth.

KEY TAKEAWAYS

• The word "wealth" has a much broader meaning than just monetary and material possessions, originally encompassing well-being, welfare, and happiness.

• The modern-day dictionary definition of wealth includes an abundance of valuable possessions or money, but it can also refer to an inner abundance of talent or a quality of profuse abundance.

• The podcast explores the idea of reclaiming the original, broader meaning of wealth to include aspects like well-being, health, and happiness, beyond just material possessions.

• The story of the Mexican fisherman illustrates that true wealth can be found in enjoying what you do, spending time with loved ones, and feeling content with one's current situation, rather than constantly seeking more material wealth.

• The message encourages listeners to define their own version of wealth, focusing on what brings them joy, love, and happiness, and to incorporate that into their everyday lives.

BEST MOMENTS

"The truth about wealth is that if we don't define it for ourselves, then other people will define it for us."

"Wouldn't it be amazing to start living in a way that wealth meant so much more than just the stuff that we can accumulate over the course of our lifetimes?"

"I think that's just a beautiful little story which illustrates exactly the idea that even what you're doing right now, if you're loving what you're doing and you have the ability to share that love and for it to bring about abundance in your life somehow, that you don't need masses of riches to feel that way."

VALUABLE RESOURCES

Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances...

https://www.the-freedom-club.com/financial-freedom-spreadsheet-landing-page

ABOUT THE HOST

Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free.

She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn’t JUST come from being financially independent…

Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'.

During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest.

CONTACT METHODS

Website
Instagram