Podcast Summary: Creating Confidence with Heather Monahan

Episode: Confidence Classic: Close the Perception Gap and Build Wealth Your Way with Kelly Roach
Date: December 17, 2025
Guest: Kelly Roach
Host: Heather Monahan

Episode Overview

This episode dives deep into the realities of entrepreneurship, wealth-building, and personal growth with business strategist Kelly Roach. Kelly joins host Heather Monahan to discuss the gap between perception and reality for entrepreneurs, breaking free from limiting beliefs around wealth—especially for women—and the importance of authenticity in building a personal brand. The conversation is honest, motivational, and full of tactical advice for anyone seeking lasting success in business and mindset.

Key Discussion Points & Insights

1. The Perception Gap in Entrepreneurship

Timestamp: 03:44–08:20

• Highlight: Kelly addresses the misconception that entrepreneurship is easy and success should come quickly—a false narrative often perpetuated online.
• She reflects on her responsibility to present the unfiltered reality: “There’s really no work to be done. We actually can’t find anything to do with our time because it’s so easy, right? So I just realized… I’m going to be a truth teller.” (B, 05:41)
• Kelly emphasizes that struggle, mistakes, and slow progress are not signs of inadequacy but necessary for growth:
  • “If it feels hard or you’re dealing with some stress…that is you building the muscles that you need to get to where you want to go. You're not doing it wrong. You're not failing.” (B, 07:08)
• She identifies the ‘perception gap’—the difference between what success appears to be and what it actually takes to achieve it.

2. Passion vs. Market Viability

Timestamp: 09:03–11:12

• Kelly distinguishes between what entrepreneurs want to sell and what people are actually willing to buy:
  • “There’s a difference between what we want to sell to someone versus what someone is interested and willing to buy. And that is a huge distinction.” (B, 09:05)
• She urges listeners to realize that passion doesn’t always equal a profitable business, and philanthropy can be separated from for-profit ventures:
  • “Trying to take…blood out of a stone with a population that doesn’t…[want to buy]—it doesn't work out for them and it doesn't work out for you.” (B, 10:49)

3. Wealth, Giving Back, and Money Mindset

Timestamp: 15:40–17:49

• Kelly discusses the internal conflicts entrepreneurs—especially women—face about wealth and doing good:
  • “If you're broke, it's impossible to do that [philanthropy]. And I think a lot of people have a broken mindset because they have beliefs that make them feel guilty about being really wealthy. And there are so many negative mindsets around wanting wealth…enjoying being rich.” (B, 15:44)
• Importance of shifting from a scarcity mindset to embracing wealth as a tool for positive change.

4. Identifying and Rewriting Limiting Beliefs

Timestamp: 17:49–22:57

• Kelly stresses the necessity of recognizing subconscious beliefs about money and success:
  • “The number one belief that I think prevents entrepreneurs from becoming really wealthy…is that they believe making a lot of money is in conflict with being a great parent, a great wife…family first.” (B, 18:34)
• She instructs listeners to interrogate the origins of beliefs and choose those that support desired outcomes:
  • “If you don't want to replicate that person's results, don't replicate their beliefs.” (B, 19:42)
• Heather shares her personal struggle with inherited scarcity mindset from her father’s failed business:
  • “Somewhere in the back of my subconscious, I was hanging onto this…during the pandemic…I immediately went to…scarcity…It was so helpful to say, okay, I had to hit that really low moment to realize I was still even in my subconscious hanging on to these beliefs.” (C, 21:36)

5. The Deep Work of Personal Development

Timestamp: 22:57–26:44

• Kelly advises that real growth comes from deep self-reflection, beyond just reading books or hiring coaches:
  • “Actually exploring, like, your thoughts and your behaviors and your history and your why on a much deeper, like, emotional level.” (B, 23:44)
• High achievers must slow down and intentionally examine their beliefs and habits to keep evolving.
• Importance of not letting external opinions—often from unqualified sources—dictate self-worth and decisions:
  • “So many people's behavior is dictated by the perceived opinions of people that have no business having an opinion about them.” (B, 26:38)

6. Evolving Your Circle & Surroundings

Timestamp: 29:58–31:13

• Heather shares the experience of reconnecting with old colleagues stuck in the same cycles:
  • “The same conversation we had six years ago…And that's when to your point, I'm like…This is where I've got to, like, the calls ending now. And I've got to go back to my life…surrounding myself with people who are taking chances, going out and learning, testing and trying, failing, getting back up. Like, I want to be that person at the end of my life.” (C, 30:36)

7. Authentic Personal Branding & Vulnerability

Timestamp: 31:14–36:26

• Heather and Kelly discuss incorporating personal values—like spirituality—into their brands despite potential backlash:
  • “In the last couple years, I started sharing about my faith and my spirituality…if I don't include that…it's almost like a lie. Because I rely on my spirituality and my faith every single day…it's a huge part of my life.” (B, 31:55)
  • Kelly also draws boundaries, refusing to engage in political or socio-economic debate publicly, believing it dilutes her purpose:
    • “The moment that you take a side, you’re basically saying no to this, yes to that. And unfortunately…people feel that they are this or that—they can't understand the importance of valuing our country was actually founded on debate.” (B, 34:42)

Notable Quotes & Memorable Moments

• "If it feels hard or you're dealing with some stress…that is you building the muscles that you need to get to where you want to go. You're not doing it wrong. You're not failing."
  (Kelly Roach, 07:08)

• “If you don't want to replicate that person's results, don't replicate their beliefs."
  (Kelly Roach, 19:42)

• "You can do as much good in the world as you want to as an entrepreneur, but if you're broke, it's impossible to do that."
  (Kelly Roach, 15:44)

• "Working on yourself is so important because so many people's behavior is dictated by the perceived opinions of people that have no business having an opinion about them.”
  (Kelly Roach, 26:38)

• “The same conversation we had six years ago…you're telling me it hasn't changed in five years since I've been there? Nope…That's when to your point, I'm like…This is where...the call's ending now. And I've got to go back to my life.”
  (Heather Monahan, 30:27)

• "I do not participate in any political conversations...because the moment that I step into that ring, that takes the focus off my purpose for being on the planet."
  (Kelly Roach, 33:43)

Other Important Segments (with Timestamps)

• What to Do When Your Passion & the Market Don’t Align: 09:03–11:12
• Breaking Through Wealth Ceilings (Especially for Women): 15:40–17:49
• Deep Work vs. Surface-level Growth: 22:57–26:44
• Navigating Brand Vulnerability and Public Feedback: 31:14–36:26
• Building a Legacy Through the Podcast (The Kelly Roach Show): 37:38–38:28
• Audience Challenge – Make Personal Development a Priority: 38:28–39:39

Final Thoughts & Call to Action

Both Heather and Kelly urge action:

• Explore your limiting beliefs and rewrite your story for greater wealth and fulfillment.
• Surround yourself with growth-oriented people, not those stuck in old cycles.
• Don’t shy away from sharing the parts of yourself that matter—authenticity creates deeper connection and impact.
• Prioritize learning through tools like podcasts and audiobooks to keep evolving.

Connect with Kelly Roach

• Listen to The Kelly Roach Show on all major podcast platforms (800+ episodes)
• Instagram: @kellyroachofficial
• LinkedIn: Kelly Roach

Summary by:
Creating Confidence with Heather Monahan — “Confidence Classic: Close the Perception Gap and Build Wealth Your Way with Kelly Roach” (December 17, 2025)