← Call Her Creator with Katelyn Rhoades
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This episode is sponsored by Shopify, Homeserve, Fora Travel, and Fanview. Shopify. Starting a business sounds exciting until you're actually in it. The website, the products, the emails, it's a lot. That's why I love Shopify. With hundreds of ready to use templates, Shopify helps you build a beautiful online store that matches your brand's style. And Homeserve. Owning a home is amazing until something breaks. And it's never anything small. It's always those expensive, worst timing situations. That's why I love the idea of home Homeserve. It's like a subscription for your home, helping cover those unexpected repairs. And plans start at just 4.99amonth. And Fora Travel, are you the one who always plans the trips, hotels, itineraries, all of it? You're basically already a travel advisor. You're just not getting paid yet. With Fora, you can change that. From building your business to protecting your home, to even getting paid to plan your next trip. These are the tools that make it all easier. And Fanview, if you've ever thought, wait, how are creators actually making online? This one's for you. Fan View helps creators monetize their content and start building income online, even without a huge audience. Check out fanview.com if you're curious. All right, ladies, let's get into a wealthy mindset today, because we're gonna think like the woman who builds the wealth. We're gonna think like a rich girl. Welcome back to Call Her Creator. The podcast where we talk about creating a life you're actually obsessed with. And today we're talking about money. It. It can sound cringey, right? But I made sure to say, like in the show notes, rich girl mindset without the cringe. Because this isn't gonna be cringy. This is going to be a honest conversation. I saw this post online recently that basically said your salary does not determine your future wealth, your habits do. And I was like, wait. Cuz honestly, that's so true. I know women making a lot of money who are still constantly stressed about money. Like the kind where money comes in and then money immediately goes out. Maybe it's their lifestyle creep. Maybe it's all those random Amazon packages on their front doorstep. Maybe it's those subscriptions you forgot. You even have little treats every time life gets hard. Impulse business purchases. Because some girl on Instagram made it sound life changing. Just so y' all know, like, beyond me being a podcast host and owning a social media agency, I'm an influencer. And sometimes These people, like, I see it all the time when I'm scrolling through these people will make things sound life changing. And they're not life changing. In fact, they're just getting paid money to sell you this story that it's life changing. So don't be fallen for everything you see on the Internet. And then I know these women that are making less money who are calm. Like, they're weirdly calm. They're saving money, they're building, they're investing, they're making intentional decisions. They're not trying to prove anything. And then I think it hit me. Making money and building wealth are not actually the same skill. And if we're being honest with each other, especially as women, we've been told to marry the rich man or go make a lot of money. I still remember I have this little book that I found when I was packing up. My mom moved from our. Our childhood home. And there was this book in there where from, like, kindergarten to fifth grade, I had put what I wanted to be when I grow up. And I always wrote down, like, doctor, nurse, lawyer. You think I really wanted to be those? No, it's because I wanted wealth and I wanted to make money. Because I was always told, go make money. Go get a job that pays you a lot of money. Earn more. Chase the next level. And I'm not telling you that that's the wrong way to live, because I still live that way. But I think that there's a way to want those things and do it doing something that you love. Like, I am so blessed right now to have the career that I have to be doing the things I love. I didn't have to go be a doctor to do this. Sometimes you just need some mindset shifts. And that's what we're going to talk about today, because nobody really talks about what it actually looks like to be kind, become the kind of woman who keeps money well, who thinks differently about it, who doesn't emotionally spend every time she's stressed, who doesn't need external validation to feel successful. And again, I think social media has made this so much worse for all of us, because now wealth has become this aesthetic. You got the bag, you're going on the trips, you're having that matching airport set. God, I can't. I cannot say enough how true this all is, because I'll be honest, we went to Mexico for spring break, and one of the first things I had to do was get a matching airport set, because Instagram has made it so, like, normalize that you have to have this cute little set when you're traveling. And then there's the luxury skincare. There's the giant restock. There's the come spend the day with me while I accidentally spend $700 content. What? And listen, I love me some beautiful things. I love nice experiences. I am not anti luxury. I've got a Louis Vuitton. I drive a nice car. But there's a difference between enjoying beautiful things and then performing success. Big difference. Because some people will look rich, and then there's some people that are actually building the wealth. And those are not always the same women. In fact, they're typically very different women. And I think this conversation has hit me differently because of how I grew up. I started working really young. I was working by either 13 or 14 years old. Money was not something that always felt abundant or safe to me. Not saying we were poor, but, like, I had to work for every last dollar. I had to do the things that I wanted to. I remember when class rings came out, like, I was scared to ask my parents to buy me a ring because my dad was always complaining about money. My mom was a teacher. They were divorced. It was just. It didn't feel abundant. And I think when you grow up that way, money can actually become an emotional thing. Like, when you finally start making more, there's this part of you that wants to soothe all the versions of yourself that went without. And honestly, I get that. I really do. Because sometimes I get in that mindset of me making money now and I hustle so hard to keep this going because I never want to go back to that scarcity mindset of not having enough. But I also think that if we don't become aware of that, we can accidentally build businesses that make great money while still having really chaotic habits. That's not freedom. To me, freedom is when you feel peace, when you have options. Freedom's not making, you know, six figures and still feeling like money controls your nervous system. So today I want to talk about these habits and mindset shifts I see in women who actually are building wealth. Not the fake rich girl energy, not the I maxed out the credit card and I'm hoping for the best energy. I'm talking about the women who truly move differently with wealth. The women who feel grounded and intentional and confident and secure. Because I actually think wealth starts in your identity way before it shows up in your bank account. And so those are some of the steps, actually, that we're going to walk through today. So let's just get into it. So the first thing I'm going to say, which might sting some of you a little bit, because I'm absolutely. I've been guilty of this myself. A lot of women are not actually spending from abundance. They're spending from emotion. And there's a really huge difference with that. Because sometimes what looks like treating yourself, quote unquote, is actually just you self soothing yourself. It's that stressed version of you saying, I've had a hard day. It's the insecure version of you saying, maybe this will make me feel more put together. I had the most stressful Monday yesterday, and me and my husband go to lunch, and I'm like, I'm extending our trip this weekend. And he's like, why? And I'm like, cause I just had a bad day. I deserve it. And that's that mindset. And the hotel we're staying at is not cheap. So me extending it a day, I'm spending a lot more money. Luckily, and I don't want to say luckily, but they did not have any availability. So we're not extending a day. Cause I really, I don't need to extend a day just because I had a hard day. That's not how women build wealth. But that's the version of you who feels behind watching everyone online, buying the thing, taking the trip, upgrading their life, working so hard, they deserve it all, or just thinking like, you know, I need that too. Again, I am not anti luxury. I love beautiful things. I love experiences. I love elevating my life. I love taking my children on extravagant trips. I love spending time with my husband while we drink wine and eat food that we love and not worrying about how much the bill's gonna be. But there's a difference between intentional spending and emotional spending disguised as empowerment. Because if every purchase becomes a way to regulate your emotions, that is not wealth, girl. That is dependency. Wealthy women don't constantly spend money trying to feel better in that moment. They build the habits that make them feel safer in the long term. Savings creates safety. Disciplined investing creates safety. A business that generates revenue creates safety. Learning how to trust yourself with money creates safety. And I think this is an important conversation because no one really talks about how often spending is emotional. It's not strategic. It's not intentional, it's emotional. And if you want to become the woman who actually builds the wealth, you have to start asking yourself this question before you hit the buy now button. Am I buying this because it aligns with the life I'm creating, or am I buying this because I'm trying to comfort the version of me that feels like she's not enough yet, because those are two wildly different women. Oh, I get chills thinking about that. I get chills thinking about that. I hope that hits something in you too. And if it does, then you are in the right place, honey. You are in the right place. All right, this next one completely changed how I thought about spending money, and that's developing your taste. Okay, developing taste saves you money. And you're like, what the heck are you talking about? So developing your taste might be one of the smartest finances things you can do. And I know that sounds a little random, but stay with me, because when you actually know what you like, what you truly like, you become significantly harder to influence. I want to be de influenced. You stop being emotionally available. For every trend that you see on Instagram that's going to cost you thousands of dollars. You stop panic buying the thing everyone suddenly has. You stop convincing yourself that because someone else made something look aspirational, it automatically belongs in your life. Y' all dumb little dumplings right now that are going viral. My kids think that they need thousands of them. And I'm gonna be honest with you guys. Every time I try to buy them a dumpling, they are sold out. So I ended up buying a couple from Sheen. Please do not send me hate on this. I had to get something for my daughter for her birthday, and she really wanted a dumpling. So Sheen was it. That's the only place I had to go. So I got them the dumplings. And so they each. They each have two now. But I. This past weekend, the Five and Below was doing a mystery dumplin slash giveaway. Like, if you found this dumpling, they were giving away a thousand dollar shopping spree at 5 and below. Okay, we did not make this. We did not make it to the event. But I did take them to Five and Below the next day just to see if there was any left, because I'm telling you, I am not that mom that's going to be on every trend, getting you everything that's going viral on TikTok. But we get to five and below, and my kids are so excited, and I'm excited for them. Can't wait to see what mystery dumpling they get. We get there, the guy's like, oh, no, we sold all yesterday. It's like, frick. He's like, we open at 10am the line started at 8am I was like, are you kidding me? Can you imagine? We live in Florida, by the way. So it Is hot as the devil's butt crack right now outside. You would not ever catch me dead at 8am standing in line for two hours to get a dang dumpling. Some of us are not shopping because of the desire. We're shopping from the influence of others. And if that's something that you, you're doing for yourself, for your kids, you need to look a little internally and see, like, am I doing this because something's missing in me because I don't feel good enough? Am I trying to like, compensate for something? Like, why are you doing that? And side note here, I am not like, shaming any moms that do this because you do what you want. I do not care. I'm gonna do what I wanna do. You wanna do what you wanna do. But I do, like, I'm such a self aware girly. Like, I do want us to think about this because are we buying certain things? I'm looking at a Louis Vuitton bag right now. Why am I doing that? Because I want to keep up with the jones? Or am I doing that because I actually want a new bag? Or this is. There's this. That's the difference. When you have taste, you create discernment. And discernment is expensive to build, but it will save you a fortune. Because when you know your aesthetic and your values and your lifestyle and your priorities, you make cleaner decisions and you end up buying fewer things. The things you tend to buy, though, are more aligned with your life. This doesn't apply to clothes or dumplings or home decor or purses. This applies to your business too. Your work. Because let's talk about how many women are spending money trying to shortcut certainty. They're buying the random courses because someone made a sexy sales page and says you can make millions of dollars with a faceless account. They're signing up for software they don't even fully need because another entrepreneur swears by it. Okay, I have a question for you. Are you the friend who plans everything when it comes to trips? Like, you're comparing hotels, finding the best spots, building the itinerary, and everyone else just shows up. If that's you, you've probably already thought like a travel advisor. You just haven't been paid for it yet. And that's exactly what Fora is built for. Fora is a modern travel agency for people who love planning travel and want to turn that into real income. They give you everything you need, the tr, booking tools, and a full community of advisors. So you're not figuring it out alone. And What I love is how simple it actually is. As a fora advisor, you get access to over 7,000 travel partners, everything from luxury hotels to boutique stays. And you can offer your clients perks like upgrades, resort credits, and late checkout, things most people don't even know how to access. And every time you book a trip, you earn commission. So if you're already the one planning the trips anyways, this is one of those. Why am I not doing this moment. Now's the time to turn your love for travel into something that actually pays you back. Become a fora advisor today@foratravel.com CHC that's F O R A travel.com CHC and make sure you tell them that we sent you. Okay. Real life moment. There is nothing more humbling than owning a home and realizing, oh, I'm responsible for everything. Like, when something breaks, there's no landlord to call. It's just you, Google, and a potential $2,000 problem staring you in the face. And you never know what it's going to be. It could be a water heater going out or a burst pipe. It's always unexpected, and it's always exc. Expensive. And the worst part, a lot of those things, the plumbing issues, the H vac breakdowns, they're not always covered by your standard homeowner's insurance. That's where HomeServe comes in. They offer plans that help protect against those kinds of repairs, starting at just 499amonth. So instead of scrambling to find someone last minute, you can call their 24.7hotline and get connected with a local, experienced technician. It's super simple. You just choose a plan that fits your needs and your budget. And if something on your plane goes wrong, you just call to start the repair process. And honestly, that is a peace of mind for me. If I needed something like this, HomeServe is what I would use. HomeServe has been helping homeowners for over 20 years with a network of 2,600 local, experienced contractors and over 4.5 million customers. So if you want to help protect your home systems and your wallet from covered repairs, go to homeserve.com, find a plan that's right for you. That's homeserve. Com. Not available everywhere. Most plans range between 499 to 1199amonth. Your first year terms apply on covered repairs. They're rebranding every six months because someone online convinced them that their beige wasn't beige enough. Adding subscriptions. They forget they even have, you know, Suddenly you look up and you've spent thousands of dollars. But did any of it actually move the needle? Taste in business looks like knowing what's actually going to support your growth and what's just noise. Because not every opportunity is your opportunity and not every belongs to you. Not every investment is aligned to you. Women who build wealth develop these standards. And standards make those decision making skills cleaner. Cleaner decisions protect your time, protect your energy, and yes, they protect your bank account. So developing taste will save you money. Don't try to keep up with the Joneses. I'm saying this to myself too. We don't gotta try to keep up with the Joneses. We don't have to buy everything that goes viral on TikTok. Figure out what your taste is and stay in that lane. Which brings me to point number three, under consumption is actually hot. Can we normalize that? Abundance does not mean constantly acquiring more. And I think social media has done a really good job of convincing us women that wealth looks like constant consumption. Like the new outfit, everything I bought from Amazon this week, Everything I bought from Target. Target Haul, new skincare, new bag, new Amazon order, new aesthetic, new launch, whatever the frick it is that week. I love beautiful things. I'm not sitting here, I'm telling you, I'm not sitting here pretending that I don't appreciate luxury or great branding or a gorgeous experience, because I do. But there's a massive difference between appreciation and over consumption. Because some of the most grounded, wealthy, deeply secure women I know are not in this constant cycle of needing more to feel elevated. They use what they already had, what they already own. They finish the skincare before buying the next one. They wear the outfit more than once. They aren't replacing things every five seconds because the algorithm handed them a new obsession. They don't confuse the novelty with expansion. And I think that is important. What we call abundance sometimes is actually just overstimulation. Sometimes it's dopamine, sometimes it's avoidance, sometimes it's emotional spending dressed up in a really chic package. But true abundance feels grounded and intentional. And it feels like I am enough with or without that Louis Vuitton bag. And I actually think that under consumption is one of the chicest things a woman can embody right now. Because there's something incredibly confident about not needing to constantly prove that you're thriving by what you buy. That is significant power that you give yourself. That's discernment, that's self trust. When you don't have to do that, that energy is Far more magnetic to me than chaotic consumption. Which brings me to point number four. Your proximity can change you. You. It's not the things you buy. It's the people you surround yourself with. And I think ambitious women, they massively underestimate proximity, because whether you realize it or not, the rooms you are in are shaping what feels normal to you. Your conversations shape you. Your standards shape you. The women around you shape you. And I don't just mean friendships either. I mean, like, mentorship masterminds, communities, business circles, the people whose lives you're close enough to observe. Proximity will expand possibility for you. The first time you sit at a table with women making bigger moves than yours, something will shift inside of you. Not because you feel behind after getting with them. It's because your nervous system actually realizes, like, oh, my God, this is possible. That level of confidence, that's possible for me. That kind of business, that's possible for me. That lifestyle, that's possible for me. When I went to my first Mastermind meeting at the beginning of this year, I'm in Lori Harder and Chris Harder's elite entrepreneur mastermind. And I was in a room with people that are incredibly smart, a lot of them way smarter than me. And it was life changing to be surrounded by people like that. They're making the money. They've got these amazing businesses. They just think differently. And I think when you get up close to that, it becomes harder for you to believe it's impossible for you. It actually, like, the more you get closer to people that are making the moves and doing the things, you realize like, oh, my God, it's. It is possible to me. Now, let me be clear here, because this isn't about, like, spending money recklessly just to be near wealthy people and cosplay success. That's not what I'm saying at all. I'm just saying that intentional proximity can be one of the fastest, fastest accelerators of growth because that proximity upgrades your standards. When I was in that room talking to all these people and what they're doing and where they're putting their money and investments and what kind of home they're living in, it upgraded my own standards. It upgraded what I was thinking for myself, for my husband, for my family. It helped me change my mindset on what all I tolerate. It changed what I believe was normal because I grew up from a very small. In a very small town out now where a lot of you listening and are from. But when you grow up in a small town, you are surrounded by sometimes, not always, but you're sometimes surrounded by very much smaller mindsets. The sky is not the limit. And then like, you go to New York City for the first time and you're like, holy shit. People are walking to work, they're making money, like, doing things that they love. They're not just, you know, getting a job that they felt that they had to do. They weren't like, this is where I'm telling y', all, like, growing up, I was told, like, become a nurse or become a doctor or become a lawyer. You have to choose a career that makes you money. Not necessarily. And I know, like, we're just, we're talking here about wealth, but at the end of the day, wealth doesn't mean money. Wealth just means a happy nervous system, doing what you love, creating a life that you're obsessed with. And that's why proximity to these people that have a healthy mindset that are wealthy, it changes what you believe. I promise. It changes what you believe, and it changes the size of the life that you permit yourself to want. And I know wealthy women understand this. They don't just invest in things, they invest in those environments. Now I get it, why people are so crazy about masterminds and networking and all those things. Because I used to be like, I don't need that. I don't want to go to that. But you get around these, these people and it truly shapes your identity. It expands it. Let me ask you something. Have you ever had an idea for a business but you immediately thought, what if nobody buys? Or what if I don't know what I'm doing? Because I've been there. When I started my business, I didn't have a full team. I didn't have the perfect systems in place. I just had an idea and the willingness to figure it out as I went. And honestly, having a platform like Shopify would have made that process so much easier. Shopify is the commerce platform behind millions of businesses around the world and literally powers 10% of all E commerce in the US so whether you're just getting started or scaling, it grows with you. You can build a beautiful online store with their ready to use templates, use built in AI tools to write product descriptions and content, and even run email and social campaigns all in one place. And one of my favorite parts, that shop pay button, it makes checkout so seamless, which means fewer abandoned carts and more actual sales. So if you've been sitting on an idea or you're ready to take your business seriously, it's time to turn those what ifs into With Shopify. Sign up for your $1 per month trial today at shopify.comchc that's shopify.comchc okay, if you're someone who wants to make money online as a creator, listen up. I know a lot of people. They assume you need a massive following or some fancy setup or years of experience before you can actually start earning online. And that's just not true. Fanview is a platform that helps creators monetize their content, connect directly with their audience, and build reoccurring income doing what they're really good at creating. And what I actually like about this is how simple it is. You create content around your niche, you upload it, you build your audience and start creating income from it. Whether you're into lifestyle, fitness, business, education, literally, whatever. It's built to be beginner friendly. So if you've been sitting here thinking, could I actually do something like this? The answer is positively yes. If you want help getting started, Fanview has a creat academy that walks you through the whole thing step by step. And if you're ready to start your own creator journey and see what's possible, head over to fanview.com and get started. And these decisions are what shape your future. And then you get to pass those along to your children. My next point here is that wealthy women think long term and not dopamine first. So this is kind of with the over consumption talk that we talked about earlier too. This shift honestly changes a lot for people. Wealthy women make decisions from their future identity, not their current emotions or where they're stuck at right now. But where do they want to go? And that distinction matters more than people realize because so many financial decisions are not actually logical. They're emotional. We buy when we're stressed, we buy when we're bored. We buy when we feel behind. But five minute feelings rarely build long term wealth. And I think one of the most powerful questions you can start asking yourself is, okay, is this decision serving the woman I'm becoming, or is it soothing the woman I am right now? The women building wealth understand delayed gratification. She understands that not every powerful decision feels exciting in the moment. Sometimes wealth building looks sexy, but a lot of the time it is kind of boring. Consistent investing, paying off debt, saying no, keeping the same subscription lineup instead of adding five more things, Choosing the business investment that actually moves the needle instead of the flashy one. It's not always glamorous. But glamorous and wealthy aren't the same thing. One is performance, one is peace. One gets applause, but one builds freedom. If I can leave you with anything today from this episode, it's this. The woman who creates real wealth is not asking herself what feels good right now. She's actually asking what creates the life I actually want to live. So there's a concept in psychology, okay, it says that people make better long term financial decisions when they feel emotionally connected to their future self. Meaning if future you feels like a stranger, you're going to choose dopamine right now. But if future you feels like you, you're going to want to protect her. So what that means is it you just how connected are you to that future version of yourself? When you feel disconnected from that person that you're becoming, they will. Those people, those kind of people that don't feel connected, they make way more impulsive decisions. There's more emotional spending involved. There's more short term choices made. There's more I'll deal with it later behavior. But when you're connected to the woman you're becoming like your highest self, you make different decisions. Because it's not, do I want this right now? It's would future me be grateful that I made this choice in the long run? Here's what I want to leave you guys with today. This episode is not about becoming the woman who never spends money, because you're going to still see me spend some money every now and then. That's not the goal, though. The goal is becoming the woman who makes decisions from alignment with themselves instead of their emotions. The woman who doesn't need to constantly prove to everyone else that she's successful. The woman who feels safe enough to think long term. The woman who understands that wealth is not just about what comes in, it's about what you build, what you protect, and how you think. The richest women I know are not always the flashiest. Sometimes they're the calmest. Sometimes they're the most grounded or intentional. And 1000% they are the least reactive. And I think that's really what this conversation is about. It's not pretending you don't love beautiful things and not shaming ambition, not acting like wanting more is bad. Because I'm all for wanting more. I want that beautiful life. I want the experiences. I want the freedom and the options. But I also want peace. And I think mature wealth looks like both. So if this episode made you think differently, even a little. If you'll do me a favor, screenshot this episode, throw it on your Instagram stories. Tag me the Kaitlyn Rhodes and call her creator on Instagram because genuinely seeing what resonates with you guys is one of my most favorite parts of doing this show. And if you have that one ambitious friend who loves a little Sephora dopamine hit, but also says she wants financial freedom, lovingly send this to her immediately. And if you've been loving, call her creator. Make sure you hit follow. Download Us. Leave me a review because I am having these conversations every single week about confidence, business, money becoming visible on the Internet, and building the life and the business that you truly are obsessed with. All the things that help you build a life that you love. I love you. I'm rooting for you and I will see you next episode.