In this episode, Hazel reflects on a transformative speakers course led by Robert Upright and Tony Gargan, which inspired her to confront the fears that have held her back from sharing her message on social media. She discusses the importance of getting out of your own way and challenges listeners to consider what might be holding them back in their own lives. Introducing the GROW model, she outlines four key steps: Gratitude, Realizations, Openness, and Wins.

KEY TAKEAWAYS

• Get Out of Your Own Way: The importance of overcoming personal barriers and fears that hold you back from pursuing your goals and sharing your message with a wider audience.
• GROW Model: A four-step framework to facilitate personal growth:
• Gratitude: Shift your mindset from fear to gratitude to change your emotional state.
• Realizations: Gain insights about your journey and recognize how past experiences shape your current path.
• Open: Embrace openness to allow opportunities to flow into your life.
• Win: Celebrate small victories that help you progress toward your goals.
• Fear and Excuses: Acknowledge that fear often leads to excuses that prevent action. Recognizing this can help you take the first step toward change.
• Social Media as a Tool: View social media as a platform for sharing your message and connecting with others, rather than a source of negativity.
• 
  BEST MOMENTS
  "I realized something during that week that had been holding me back."

"What if you literally got out of your own way? Because doing something worthwhile takes time, but more importantly, it takes action."

"The minute you switch from fear to gratitude, your state changes."

"I just had to say these things to people to let them know that what we've done, and it was all possible."

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.

This Podcast has been brought to you by Disruptive Media. https://disruptivemedia.co.uk/

In this episode, Hazel looks into the crucial topic of financial responsibility, emphasizing the importance of being aware of personal finances in today's economic climate. Discussing the significance of monitoring income and expenses, understanding credit scores, and making informed decisions about savings and investments.

KEY TAKEAWAYS

• Financial Awareness: It's crucial to monitor your income and expenses closely. Regularly check bank statements for unusual payments or unnecessary subscriptions to avoid wasting money.
• Credit Score Importance: Understanding and managing your credit score is vital for borrowing money responsibly. A good credit score opens up opportunities for better financial options.
• Education on Financial Management: There is a significant gap in financial education, particularly in public schooling. Many young people enter adulthood without a clear understanding of debt, credit, and financial responsibility.
• Shift from Old Paradigms: The traditional approach to financial success—studying hard, working for decades, and saving for retirement—may not be effective anymore. A new paradigm focuses on learning skills, finding passions, and leveraging investments for wealth creation.
• Creating Passive Income: Learning to manage and invest money wisely can lead to passive income streams. This approach allows individuals to retire early and enjoy life while their money works for them.

BEST MOMENTS
"It's extremely important to have the ability to be financially responsible."

"How can our governments and financial institutions expect people to be responsible with their money when, quite frankly, they are not?"

"Young people are typically thrown a credit card at the age of 18... all of which set them up in what I call this loop of debt."

"The old paradigm... is rubbish, right? So let's look at a new paradigm, a new way of taking responsibility and working with your money."

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

This Podcast has been brought to you by Disruptive Media. https://disruptivemedia.co.uk/

In this episode of The Wealth Whisperer, Hazel embarks on a passionate exploration of the complexities of our debt-based monetary system. With a focus on how money is created through loans and the implications of fractional reserve banking, the discussion highlights the pervasive nature of debt in our society and its impact on individuals and economies alike.

KEY TAKEAWAYS

• Debt-Based Economy: The modern monetary system is primarily based on debt, where a significant portion of the money supply is created through loans. This reliance on debt is essential for economic growth and stability.
• Economic Growth and Debt: Continuous economic growth is necessary to service existing debts. If the economy stagnates or contracts, it can lead to difficulties in repaying debts, resulting in financial instability.
• Wage Slavery Concept: Many individuals are trapped in a cycle of "wage slavery," where they must work to earn money to pay off debts for things they cannot afford without borrowing. This creates a loop of dependency on debt.
• Critique of the Banking System: The current banking system is viewed as fraudulent, as it allows banks to create money out of nothing while individuals face legal consequences for attempting to do the same. This disparity raises questions about the fairness of the financial system.

BEST MOMENTS
"In my opinion, there are nowhere near enough people who understand how our monetary system works in the world."

"A debt-based economy basically means that a significant portion of the money supply is actually created through loans and debt."

"We are literally economic slaves because we have to earn money to be able to afford to buy things."

"If you or I try to print money and use it to pay for things, it wouldn't be too long before we are put behind bars."

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 weeks episode Hazel concludes a mini-series on financial calculations by focusing on the concept of return on equity (ROE). Unlike return on investment (ROI), which measures the profitability of a specific investment at the time of purchase, ROE assesses how effectively an asset generates profit over time based on the equity held.

KEY TAKEAWAYS

• Understanding Return on Equity (ROE): Unlike Return on Investment (ROI), which measures the profitability of a specific investment at the time of purchase, Return on Equity assesses how effectively an asset generates profit over time based on the equity held in it.
• Evaluating Personal Assets: It's important to assess the equity in personal assets, such as property or savings accounts, to understand how well they are performing. This includes considering cash flow from rental properties or interest from savings.
• Home Equity Considerations: While many view their home as an asset, it typically does not generate income unless utilised in specific ways (e.g., renting out a room). Therefore, the return on equity from a primary residence is often zero.
• Regular Portfolio Assessment: Regularly reviewing the performance of your investments and equity is crucial. For example, a property that once had a high return on equity may underperform over time, necessitating a reevaluation of whether to keep or sell it.

BEST MOMENTS
"It's really important to understand the numbers and to understand the maths around how your money's working for you quite frankly."

"Most people don't own... any sort of level of return on that equity in their own home. It's a big fat zero when it comes to a return on equity from your own home equity."

"You have to be really careful... if you're going to consider releasing any equity from your own home, because this is obviously going to cost you more money."

"The question really is what level of return would you like or want to see from your equity if you were to work with it differently?"

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 of the podcast, Hazel delves into the essential financial calculations needed to assess property investments, focusing on the concept of whether a property will "wash its face." This term refers to determining if the rental income can cover the property's expenses, including mortgage payments.

KEY TAKEAWAYS

• Understanding Cash Flow: It's crucial for property investors to ensure that a property can "wash its face," meaning the rental income should cover the mortgage payments and other expenses, providing a cushion for unforeseen circumstances.
• Basic Calculation Formula: To determine if a property is financially viable, start with the property value, calculate the mortgage amount (75% loan-to-value), and then assess the annual and monthly mortgage payments based on the interest rate. This helps in evaluating whether the rental income meets the lender's coverage requirements.
• Reverse Calculation Method: By starting with the expected rental income, investors can determine the maximum property value they can afford. This involves dividing the rent by the lender's rental coverage rate, converting it to an annual figure, and then calculating the maximum mortgage and property value.
• Market Awareness: Investors should be aware that property values can fluctuate. Having a solid cash flow can provide security during market downturns, as demonstrated by experiences during the 2008 credit crunch.

BEST MOMENTS
"The term wash its face is commonly used in the property industry to describe whether a property will look after itself in the context of the amount of rent coming in versus the amount of expenses going out."

"You need that cushion so that you can be kind of considering that this property is going to be safe for you."

"If the property increases over time in value and you don't change the mortgage, then the mortgage loan to value will become less than 75%."

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 todays episode Hazel guides between yield and true rate of return in property investment. Hazel uses a straightforward example to illustrate how to calculate yield based on rental income and property value, highlighting that while a high yield can indicate good cash flow.

KEY TAKEAWAYS

• Understanding Yield vs. True Rate of Return: Yield is calculated as the total gross rental income divided by the property value, while the true rate of return considers the actual cash flow relative to the money invested in the property, providing a more accurate picture of investment performance.
• Example Calculation: For a property worth £150,000 generating £900 monthly rent, the yield is 7.2%. However, after accounting for mortgage costs, management fees, and other expenses, the true rate of return can be calculated, which in this example is 8.4%.
• Importance of Cash Flow: A strong cash flow and true rate of return are crucial for property investors, as they provide a buffer against market fluctuations and ensure that investments remain profitable even during downturns.
• Investment Strategy: Aiming for a true rate of return of at least 8% is recommended, as this offers a better alternative to traditional savings accounts, which may not keep pace with inflation.

BEST MOMENTS

"Knowing and understanding the difference between the yield of a property and the actual true rate of return is absolutely vital."

"The true rate of return will give you a much truer picture of what your investment is going to produce for you."

"My golden rule of thumb is to be making at least 8% true rate of return if you're going to go into a deal like this."

"If you have a decent level of cash flow and therefore true rate of return, it doesn't matter what happens to the market."

"The main advantage of buying a property is that it has the potential to increase significantly in value over time."

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 delves into the essential topic of understanding financial terminology, specifically focusing on return on investment (ROI) and return on time invested (ROTI). The importance of being financially educated, especially since these concepts are often not taught in schools

KEY TAKEAWAYS

• Understanding Financial Terminology: It's crucial to learn and understand financial terms like return on investment (ROI) and return on time invested (ROTI) to take ownership of your financial decisions and empower yourself in managing money.
• Importance of ROI: ROI is a basic calculation that measures the profitability of an investment. For example, depositing £10,000 in a high-interest bank account at 5.5% yields £550 annually, while higher returns (12%, 15%, or 20%) can significantly increase earnings.
• Compounding and Starting Small: You can start investing with smaller amounts, such as £20 or £50 a month, and benefit from the power of compounding over time, which can lead to substantial growth in your investment portfolio.
• Evaluating Time Investment: When considering investments, it's essential to factor in the value of your time (ROTI). For instance, if you spend 30 hours on a property deal and value your time at £20 an hour, that adds £600 to your costs, impacting your overall profitability.

BEST MOMENTS
"After all, this is a show all about becoming wealthy, not just in the financial sense."

"It's absolutely crucial that you do learn and refine this part of your knowledge until you know it inside out if you are serious about becoming wealthy."

"One factor that people tend to miss out of the equation... is the return on the time that they invest into completing a deal."

"If you were able to generate more like 12% a year or 15 or even 20% a year return on investment, then obviously this is much better."

"I thought that that would be a bit of a fun intro to the numbers."

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 of The Wealth Whisperer, Hazel delves into the concept of SWOT analysis—an acronym for Strengths, Weaknesses, Opportunities, and Threats. Drawing from personal experiences in property coaching and her own financial journey, she emphasizes the importance of applying SWOT analysis not just in business contexts but also in our personal lives.

KEY TAKEAWAYS

• Understanding SWOT Analysis: SWOT stands for Strengths, Weaknesses, Opportunities, and Threats. It is a valuable tool not only for businesses but also for personal development and life planning.
• Personal Application: Conducting a SWOT analysis on your own life can provide insights into your current situation, helping you identify areas for improvement and leverage your strengths and opportunities.
• Identifying Strengths and Weaknesses: Recognizing your strengths allows you to capitalize on them, while acknowledging weaknesses helps you find ways to mitigate risks or outsource tasks that you do not enjoy or excel at.
• Opportunities and Threats: Being aware of opportunities can guide you toward growth and financial freedom, while understanding potential threats, such as market changes or personal responsibilities, can help you make informed decisions.
• Actionable Insights: After completing a SWOT analysis, it’s important to determine your number one action or learning. This could involve outsourcing tasks you dislike or exploring new financial strategies to enhance your sense of freedom and efficiency in life.

BEST MOMENTS
"The S stands for strengths. The W stands for weaknesses. The O for opportunities and the T for threats."

"When you can see your situation from different perspectives, it can actually help you to improve certain areas of your life."

"It's always good to know and to see where you can make those changes to affect even more of that sense of freedom."

"I can also sometimes get distracted when I'm in the middle of a task. So I need to keep myself on track sometimes."

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