How to Create Abundance in every aspect of your life

entrepreneur judy balloff podcast podcasting resilience resilient Jul 27, 2022

After finding true happiness and abundance, Judy Balloff is sharing her secret with the world. 365 Days of Abundance is her first book, a labor of love, and she hopes you'll join her on your own unique journey to abundance.

(The following text has been transcribed)

Hello. Hello and welcome back to Kim Talks. I'm Kim Hayden. Your show host here, Kim talks where we share stories of insight and inspiration in life, love and resilience with women around the world. Now, before we get started, you get a chance. Be sure to jump over to Queen of Resilience Dot Shop. That's our online store. Has a bit of sass and a lot of fun. So straighten your crown shop around at Queen of a Resilience Shop. So today's guest. Okay, we are. We're just all in. How do we live a bigger, bolder, better life, right? And it's, you know, we've heard a lot of the word around resilience, but what about abundance? Judy Balloff has been a nurse and an aerobics instructor, a Lamaze coach, a retail manager, banker and financial advisor. And lastly, where she belongs as an author or a speaker and a teacher. I think we saw that in the Lamaze coach because that's that's a coach and teacher right there. She is happiest in a stack of books that excite her as they are waiting to be read. She is the author of 365 Days of Abundance with a foreword from Bob Proctor. So welcome to the show. How are you today, Judy?


I am fantastic. Thank you for having me.


Absolutely. Absolutely. Bob Proctor, good job. How do you get a forward from a top author like that?


Bob Proctor was my mentor of sorts. I met him through my company. They offered a class that he was giving called Principles of Prosperity. I, I took that course, and that's what inspired me to start studying the 12 Universal Laws and really become an expert on them both for my own life and for other people's lives. And then I took a master class with him, and I got my courage up. And in one of the Q&A sessions, I said, Bob, I'm writing a book right now. If I send you a copy when it's finished and you like it. Would you be willing to write a forward? And he said you should stay at your regular career and just do writing as a hobby. You're very successful as an agent. And I'm a New York Life agent. And he said, You're very successful as an agent. You should do that career and do the writing as a hobby. He. So I took him at his word, but I wasn't looking at it as a hobby. I was totally inspired, driven and a little bit of resiliency because I had to get up at five 30 in the morning. I decided to do this, get up at five 30 every morning and write from five 30, you know, take your shower and everything too. But get down to writing so that you'd be writing until eight 30 when you started your day job. And I said, I'm going to finish this book to launch in November of 20, 21 in time for Christmas. And I did it, finished it in eight and a half months, got it edited, got the cover done everything. So that's how Bob and the day literally the I sent the, the approved to Bob Proctor to read and it took him so long to get back to me, I got nervous. We have to go. We have to go to print. We have to go to print. We've got to have it back. And so we we designed the book two ways without Bob Proctor with Bob Proctor the day I got the email that said, hi Judy, please see a text. Bob Proctor's forward. If I weren't almost 70 years old, I would have done cartwheels.


Amazing. Amazing. That is so awesome. We're going to actually circle back around to this story because there's actually lots of gems in this story in itself. Before we do that, Judy, I always like to figure out where people are at and a little bit of your origin story, I believe, putting a pre frame around an individual so we can better understand the inspire nation and their instruction. And they're the story that we're going to share today anyway.


I'm fine with that.


Go ahead. Awesome. So go ahead. And share with us a little bit of your origin story. First of all, you said 70. I think you're like Vivian because wow, Judy, you're doing good.


But you know what my problem is? Stage is not a time of life. It's a state of mind.


There you go. There you go.


If you think you are and I feel like I'm maybe 42, I'm not sure. Somewhere in there.


There you go.


So Origin story, I think the most important part of the origin story would be from you mentioned all my careers. I've had, you know, two husbands, four kids, six grandkids, you know, a lot of adventures in a life when you get to be in those upper years. However, the biggest change came when I had open-heart surgery and woke up and had five strokes. So the doctor said, I'm sorry, we can't tell you if you'll ever recover from this. And what I had lost was my ability to read and write. I think complex thinking. They said I lost. I wasn't sure I ever had complex thinking, but I had to I lost my balance. I couldn't drive at night. I still can't drive at night. I never got that back. And I'd lost the use of my right hand. So I couldn't write. I couldn't read or write. I couldn't recognize letters. That is a really scary place to be if you're a reader. And that's where your joy comes from and you're like, I couldn't read the letters on my phone. And so I used the very principles I ended up writing about. Have you ever notice something about yourself and realized, Oh, that's what I did that was so successful? Like, sometimes you don't even know that the person you are is living that way already. But when you can put language on it, it means more and you can share it, then you can say to people, This is what I did that was so successful in recovering from five strokes, which people don't usually recover from. And so the way I got through was through gratitude, through faith, through you know, resilience, through getting up every day and walking those three miles three times a day, like the cardiologist said, and doing the homework from the occupational therapist and being so grateful for the doctors, the family, that just a life of gratitude. And so when I discovered thinking grow rich for the second time, because didn't all of us read it once and stick it on a shelf because we weren't rich when we got done with it, we're like, okay, that didn't work. That out. Okay.

Judy, you cracked me up. I have to tell you, you've got a killer personality. I'm just waiting to see your stage show. You know? Yes. We're back on this on the shelf. Okay.


And so I ended up really, really it's sort of like if something comes at the right time in your life that's called having a sixth sense. That's one of the 13 principles and thinking Grow Rich is the 13th one. And what Napoleon Hill says about it is you can do the other 12 and get rich, but you have to do the other 12 to get the 13th, which is the sixth sense. Because that sixth sense, that intuition, when that intuition says to you, I'm the person that's supposed to write this book and I'm supposed to get up at five 30, I didn't even I'm not a morning person. I don't know if you are. I like to stay up late and read and watch my favorite shows or whatever. I got up at five 30, I jumped out of bed like I was going to a parade. I was so excited. Every morning I'd say a prayer, I'd say, God in heaven, give me wisdom. Inspiration, whatever I need to find for this day. And I'm not kidding. I could tell I could do a movie about every day of the 365 days of inspiration that I got to write this book. I read this book now, and I don't think I wrote it because it's so good. It's really, really, really good and valuable and rich and beneficial. And I read it every day with my husband, every morning we read one of my posts with our devotions. So it's just been an amazing I just literally just got the proof back from my editor on my second book.


Tell us about the second book.


The second book came out of the first book because as I was doing talk shows and interviews and talk radio talk radio is really fun. Like you get interrupted by the news in the weather. And people kept saying to me, they'd say, What are what are some of the ways people can control their thoughts? Like you control your thoughts when your recovery from your surgery? And I'd say, Well, I actually developed a seven PS of thought control, and they said, Oh, tell us the seven piece of fault control. And so I tell people and they're like, Oh, I'd like to use those for my kids. So they kept asking me to put it in a book or put it in a pamphlet or put it in something. So I called my editor, who's my daughter. My youngest daughter is actually an editor.


That works.


That's work and that's perfect. Right. And not when she's a mean editor, which is very important. You need to have an editor that makes you cry or otherwise they're not doing a good job. They have to do a good job. Anyway, I called her and I said, Can I do a mini book? And she goes, What kind of mini book? I said, Well, it just needs to be sure. It's just the seven PS of thought control so we decided to name it Your Miraculous Mind. And I told her, I said, I want to put a cute picture of a brain dancing on the front like that. Now they control their thoughts. They have a happy life. She goes, That brain you sent me looks absolutely silly. She goes, I'll find a decent brain for you. So she's so it's literally ready to go to print, probably in the next week. And it's just a little mini scene. Yeah.


That is amazing. So your daughter's your editor, a mean editor. A mean editor. That's okay. I'm, I'm, I'm here and that. Wow. Okay, so you've had you've had a really robust life. You're 70 you're not slowing down at all because you're really actually you're chronologically 70, but you're 42.


I'm 42.


So you know. Are you originally from New York? You said you're in New York.


Oh, no, no. Actually with my first husband and I have not had ten. I've only had two. I just wanted to point that out in case you still have time.


Judi is your time. Okay.


Well, this one's the keepers. I'm going to, I'm going to stay in this marriage but with my first husband, he never stayed in the same job. And so my poor kids, I moved us 14 times in 28 years. Do you know what it's like to move £18,000 of furniture and a whole house of kids?


Yeah. No, I.


It's not for the faint of heart, to be sure. No. So I actually grew up in Minneapolis, Minnesota. I'm a Midwestern.


Girl. Okay. That's why I like you, Judy. I from Kansas. So I guess we're all.


The same stock.


There you go. Hardy stock.


Hardy stock down to earth. We work hard, we're honest, we're clean. We're pure, especially clean. Right, guy? Come on, So from Minnesota, I got married and moved to Chicago. Then in that marriage, we moved to Massachusetts. New York, all over. When I got divorced, we were living. I was living in New York, and so I moved my daughter. Two of my kids went to school in Virginia, Virginia Tech, in Washington and Lee. So I said, Virginia is a pretty state, and you you can't afford to live in New York City as a single woman unless you're like Barbara Walters or something. You know, you've got to have some you got to have some cash. All of that make it fun. So I said I Virginia's a pretty state. I just moved there. So I moved to Alexandria, Virginia, just based on my kids going to college there. And that's actually how I ended up getting married to my husband because one of my clients, I contacted her and said, hey, I'm in Virginia. And because of my moving with my first husband, we had stopped in Virginia for two years and then moved to New York. So we had lunch and she said, Judy, we're so glad you got divorced. Like, why does nobody tell you when you're married that you should get divorced? They wait, right? Oh, we knew that wasn't going to work.


We, everybody, could tell the future when it's in the past.


Yes. You want to stuff that white. A skill set. Anyway, she said, go on Two of my best friends who are CEOs and CFOs of companies met the love of their life there. I'm actually going to a wedding there this weekend. So I went on and went on 22 dates. The 23rd was my David. And we fell in love at first sight. And we've been together ever since.

Amazing. Judy, you have a spark. You have a natural optimism, don't you?


I always did. But it's been like on steroids since I found out about the universal laws and what abundance can do for your life. Because this is what I discovered writing the book. Kim, I got to about that about the fourth month. I was about halfway through writing it, and I realized you know, I took principles of prosperity. We're always all about the same thing. We're like, okay, if I could make $1,000,000, if I could do this, you know, it's God. We always think it's more things, more money. I discovered I was having such a crazy, abundant, joyful life and it wasn't anything about money. It was about the joy of words and research and meeting people in history that I never knew. But that said something to my heart that I would be typing it. I'd be sitting there with tears running down my face, and I'm like, Oh, my gosh, it's so beautiful. It is so beautiful. And so I realized the name of the book, 365 Days of Abundance. It's exactly. Abundance has almost nothing to do with money. Yeah. Haven't you ever met somebody who's got all the money they'd ever need and they are so depressed.


Yeah, I know. We've all watched an episode of Orange County Housewives.


By accident.


By accident, but yes. No, absolutely, absolutely. My mother used to say, Kimberly Jo, poverty is not a state of mind. It's a state of economics or it's not a state of economics. It's a state of mind. Meaning that poverty, when we feel impoverished, it's it's got deep, right? It's it has nothing to do with it. And they count.


Yes, I know.


So something that you mentioned earlier that tweaked me into your original mindset, though, is that you took a course. So you were all a lifelong learner.


Lifelong learner? As a matter of fact, I have five steps for finding love after 50, and it's based on what I did to find David. Guess what I did? One of the steps is study. Study what you study, what went wrong the first time, study what good relationships are made up. I've read every book on relationships by Cosmo for two months I don't care. Find a way to learn about male female relationships. It's really the universal law of polarity, opposites, the male female, not because you're a man or a woman. We all have male characteristics and female characteristics and they attract each other. And if, you know, if you study the universal law of polarity and you learn about the male and female characteristics, you can build stronger marriages, relationships, whatever, because you understand the way the world works.


Understand? Yeah. Even just like how our how our brain works, like we process differently and each person based on, you know, there's all the studies that are coming out that are that have been around for a while is that, you know, this first four years of childhood development, the way that our parents raised us, all these other things influencing and and and mold how we're going to respond to a partner, how we're going to look for a partner right. It's interesting because we're getting so off topic, but I'm.


Curious too.


Go a little bit further down this road I've met I've met a few women in my time who are on like their fourth or fifth or sixth marriage and it's all divorce and I mean, nobody's nobody's passed away. And these women, honestly, are very they're they're somewhat negative in all reality. So I do think that you attract like attracts like how is it that you came through our first marriage where it wasn't ideal and you chose it? Obviously, it's not an easy choice. To be a single parent. How is it that you stayed optimistic? How is it that you stayed positive? I mean, did were you born with oodles of money as a silver spoon, a doting mother? Like what was it from your childhood that has made you this spark, this shine.


I was born to a very, very middle class family in Minneapolis, Minnesota. My dad died when he was 50. So my mom there was no and he had five stroke, not five strokes. He had a stroke. I'm going to hit five. I can keep them straight. And he had a stroke from multiple myeloma. And he didn't remember to pay the life insurance. Remember that generation? The man paid the bills. The women didn't even know about them. And so he died and left her no life insurance like nothing like I take care of her now. Like the whole family takes care of her in assisted living. So no, didn't come from money, didn't have a golden spoon in my mouth at all. As a matter of fact, when I got divorced, from my first husband, he was horrible with money and I left with debt, not money. Like I didn't leave with stuff. I left with debt to pay back. I married David and David was so good with money. He was such a saver. He taught me how to be a saver. And here's the miracle. My the reason I feel the way I do is I just see every day like incredible blessings, just everywhere. Like, I can't tell you how many times what a miracle it is that I am where I am. Just a miracle there would not be without the open-Heart surgery and the strokes which caused them to let me go. And I had to go find a new career at 64. Without all of that, I developed an exercise out of it, called Back to the Future Memory, Back to the Future, how they get in the car and they go back and they see that if they mess with the past, they're going to destroy the future so that they can't. This exercise you look at the past so you can make a better future by looking at the past. Take my life as an example. Look at open-Heart surgery. Five strokes they don't think I'm good. They don't know if I'm going to recover. They can't tell you if I'm going to recover. I might need to be cared for the rest of my life, which to me just sounds, oh, really challenging. And I not only recovered and went back to work and then lost my job, it caused it put me in a place where I had to look for a new career at 64 not the new job. I couldn't do that job anymore because of losing some of my complex thinking. I actually did lose a little piece of it. Like, I'm doing okay, I'm fine.

You're doing awesome duty. You're doing good. Yeah.


Anyway, just think I went and started this new career from 64 to now. I've made over half a million dollars in a new career. Now I'm rich in so many other, in so many other words. That's the way I met Bob Proctor this new career, which I never. So if I would have stayed stuck in that rut that I was in him, none of this would have happened.


So I get it, Judy. I get.


It, girl. Back to the future. Let's learn from the past and look back at and say, wow, such cool stuff happened along the way. I should be grateful to this.




You know what Albert Einstein did? This is a cool thing to know. Albert Einstein was a big, big fan of gratitude. He said grateful. He he said he was grateful 100 times a day. So he suggested, just say thank you every time you take a step. Thank you. Thank you. Thank you for the beautiful day. Thank you for my food. Thank for my house. Thank you for my friends. Thank you for my job. They isn't that cool? 100 times. Imagine how happy we we'd be if we said thank you a hundred times a day.


Absolutely. Absolutely. Now I am. I'm with you 110% on on that. I feel very blessed to be where I'm at today. And I know that at 53, I've got so much time.


When you look like you're 16.


I'll take it. No, I'm 53. I have a 33 year old son. A 24 year old son. And a daughter who just turned 21 today.


So I've got a great birthday. That's a great one.


Yes, I am. I am. I personally know that I'm very blessed because the things that can be shifted and changed are the only things that are a challenge in my life. Everything else that is truly of value is, is good in my life. So I'm blessed. So, okay, before we dove in any further real quick, anybody, everybody who's listening, please, please, please, please go like subscribe, comment and share your support is how we continue sharing these stories of resilience, these stories of women who in life, love and business are working diligently to make a difference to create a safe space so we can all move forward together. Because that's what this new world this far is for us to work to build a better world. So we've got your we've got your why you had you you did all this to move through. I think when we talk resilience I always ask, you know, can you share with this a time of your life that without resilience you would not be in this chair talking to me right now. And we all know where that is. That's you know, we actually you've mentioned two times actually the decision to leave a husband and and tackle the finances in raising the four children on your own. And the second time, which was by far more life threatening, was the five strokes and coming back. Can you tell us in that journey of Overcome in that medical.


Challenge, this.


Challenge challenges is a nice word. I want to use a word like disaster, like the Titanic of of medical type of things that could happen. So can you share with us a time one time within that journey of recovery? That was a day that you just weren't sure if today was going to be getting out of bed or that you share with us how you got out of bed, how you pushed forward.


There was so many instances in the in the ten weeks that I was in full recovery where I couldn't go to work or do anything I think the big ones were days when I, I went over to the mall with my three grant, three of my grandkids that were here, my daughter who was helping care for me, it was my first big outing. And my strokes had caused my balance to be off a little bit. And we didn't realize it at the beginning. And I literally fell flat on the floor. There was nothing in the way. I didn't trip on anything. I just literally fell flat on a concrete floor. And my daughter helped get me. You know how when you fall, you're embarrassed and you're like, I'm okay, okay? I just I just called me up, and as we were walking out the mall, everybody was pointing fingers and kind of going, you know, gosh. But I couldn't figure out. Well, I got home and looked in the mirror. I looked like I'd been in a bar brawl. My face was just cut up and like, just you smash your face into a concrete floor at full speed. It's just not a very nice and that was an overwhelming day. It was like the the journey was every day. The occupational therapist saying, you have to you have to be able to dress yourself like I that's how hard those days were. Like, put one arm here and one arm there and or they gave you like those those papers they gave you in grade school. You had to get the the lady to the grocery store. You had to go on the map and get the person back home and buy the right route. And I would be in tears because remember, I couldn't read. I was learning to read again, too. And I have the tears running to my face and my older daughter would be saying therapist that I can't help you. You got to do this yourself, mom. You have to do this yourself. And the only thing that got me through was faith just taking it one day at a time, finding things to be grateful for and finding something the next day that I wanted to get up for. If it was my daughter making me my favorite turkey sandwich with Miracle Whip, you know, it's just the little things my grandma, my little my grandkids who are now teenagers. Those three, they were little. And they would, you know, they'd lay on the floor in a blanket and watch a movie with me and we'd get a bowl of popcorn. Britney make a bowl of popcorn. So I just it's a day it's a daily journey when you're facing a health issue. It's a it's a daily fight to get to the other side. But I had never had any doubt I was going to get there. I mean, I always believed I was going to be on the other side of this, and nobody could be more amazed or or chuckle when I think of where I am from where I was six years ago. It's an absolute total miracle of abundance.


Amazing. You are. So I'm just enjoying listening to after all the negativity we see in the news and all the heartbreak we've seen about polarization within social media and families, it is such a blessing to talk to you, Judy. We all need to hear more. Judaism's more Judy talking because it really is beautiful, truly is.


That's wonderful. Here is my goal. My mom said to me when I was writing this book, Kim, she's I grew up in a strong Christian home. It was very, very much basic all the way. And she said, well, don't you shouldn't you should you be talking so much in the book about, you know, like, why is are Gandhi quotes and like all these other people? And I said, Mom, this is not a book to read to reach the people who already believe there's a God. This is a book to reach anybody seeking so maybe I'll get them in touch with God.


And there are many paths. There are many paths. The song is kind and gracious. So let's talk about books. Yes. That's an excellent Segway. So your first book, let's talk again a little bit about your first book and what people can expect in that book. And then I want to talk about your neighbor, Poppy. Awesome as beautiful. And remember, we talked about this. So, Judy, just so everybody knows Judy and I met at National Publicity Summit and you took the initiative to really spread the word. You're not just publishing something and hoping somebody finds it. You're pushing it out there, you're getting it in front of people. And it's my favorite colors, actually. It looks like a sunrise.


It does.


It does. It looks like the sunrise. So 365 days of abundance. What is your hope for people who get this book?


My hope for people who get this book actually I'll quote Jack Canfield because he interviewed me. And at the end of the interview, he said everybody should go out and buy a copy of this book, read it once a day for 365 days. And at the end of the year, your life will be changed.


Amazing, amazing. And you're dropping names like Canfield and Napoleon Hill and Proctor. So you're really doing your work. You're aligning with the people who are the thinkers, the people who are shifting who work hard to shift the way we we we see or perceive the world isn't.


That's so funny that you use that word. That's one of the seven pillars of the control paradigm shifts. We need to shift the paradigm. We need to shift the paradigm that problems can't be solved. They can. We need to shift the paradigm that marriage is hard. Doesn't have to be. Yeah, we, we we have paradigms that we've heard from teachers, bosses, neighbors, friends. So we just say over and over, like, did you hear your parents say, we can't afford that?


You yeah.


Turn off the lights. Money doesn't grow on trees. No, those are paradigms. So they, they give us a tape in our head that money's hard to get. All the money in the world is already here. Yeah, money's just your mom had the better saying about it. If, if you feel poor. It's in here. Yeah. It's not in your pockets.


Yeah. Because money can always be made, I think. I think what's his name? Oh, shoot. I just lost the name. It's one of those days. I was just talking about him earlier. You know, he's always out there going, you know, who's got my money? Who's got my money? It's not that there isn't money out there. Oh, oh, oh.


Tony Robbins.


No, no other one. Other one down in Florida. Oh, I just went to him. Ten x ten.




I just I won't shut down and sign off. Nope, nope, nope. Grant Cardone. Yeah. Cardone. He's running around. Who's got my money? Like him? Love him or leave him. The reality is that is a true principle. People who they have taken and proven, they strip people down from all of their worldly possessions, everything, they can go out and do it again. Just like, honestly, Buffett would go out and make the money again. These are just because they're solution seekers. They're not problem. Hart harbors everything. Stock problem one everything has.

One of the things we do in life is we we let language control us instead of us controlling our language goes along with controlling your thoughts. But Anthony Robbins, Tony Robbins, oh, I learned from him years ago, and I've used this with my kids many times to help them get through difficult situations. He tells a story from early in his business where he was sitting in a room with his board of counselors or whatever, and they were having a discussion and somebody ran in to say, oh, my gosh, to see if the the CPA's embezzled all the money in the company and we have nothing left. And all the guys in the room started saying, Oh my gosh, this is horrible. And Tony stopped me. He said, Oh, we need to use transformational language. This will only be as bad as we make it. So instead of saying, all that stuff, we say we've had a challenge that we need to address with certain steps to rebuild the business, we need to set up a meet. So he went on with a plan. So I now use that tool whenever my son calls and says, Oh my gosh, I lost my job. And I said, No, no, we're going to talk about this transformational language. We're going to talk about this a different way. Yeah. When I get the opportunity to look for a better job and I didn't have the time to do it before I lost this job, that really wasn't all that good. And I wanted to look for another one, but I just didn't think I could quit. Now I don't have to quit now.


You've been given full permission to go out and seek better.


Opportunities great transformational language.


Absolutely. Absolutely. You know, so at this point in time, I mean, you've just nailed it. Judy, you are an excellent, excellent guest. Just I just want you to know, so enjoy their company.


Excellent. Interviewer.


Thank you. Thank you. I'm doing what I love. I'm doing what I love. And I love sharing amazing stories like yours. So, Judy, where can we find you and your book to places?


I mean, lots of places, but the two easiest places is Amazon is the easiest place to buy my book because, you know, they have prime shipping, and it comes the next day, so you don't have to wait long for it. Or if you want to try me out first, you can go to my website, Judy Bell, Ofcom, and you can get seven free days, seven free days. To read a couple of posts and see what you think.


Amazing, amazing. So get inspired and then make the commitment, you know, because a lot of people need they they're their little trepidatious and they need to see that inspiration firsthand. I'm sure once you meet Judy, you will love Judy and it will be a great place to land because the world can be scary and sometimes we need to buddy up and that's okay. So, Judy, my favorite quote is an African proverb, and it is if you want to go fast, go along that if you want to go far, go together. And I believe in absolute collaboration and I'd love to know I'd love to close this this this call out. I'd love to close this podcast out with what your quote is. What is it quote that sings to your soul that when everything is maybe not aligning, that you kind of go to.


That's a great question because I have so many and I don't have one I think I'm going to quote a meal coo because this is the mindset I want to have every day that I would give as a gift to anybody on this podcast. Every day in every way I'm getting better and better.


Every day in every way.


We are getting better and.


Thank you for that, Judy. This is goosebumps. Thank you. It was a beautiful, beautiful chat. I want to thank each and every one of you for joining Judy and I today. And my goal is, is that through Kim talks, resilience that you leave inspired and insightful that you are excited about the next opportunity that comes your way. If you feel your resiliency is lacking, though, do listen in and lean into our resilient community. You can get a free gift at resilient gift and you'll see amazing interviews like this quoted in our free monthly magazine. There is no charge. There's no credit card for I am not going to do a sneaky renewal fee on you. Nothing like that. This is my gift to you. So do lean in. And if you get a chance and you want to spend a little money, go over and get yourself a Queen of Resilience T-shirt at Queen of Resilience Start Shop and wear it with pride straight in your crown. You know you have every right to be proud. Yes, but your crown on again. I'm Kim Hayden. Your house. And I am so thankful that you chose to share your most valuable resource with me today.

Judy Balloff has been a nurse, aerobics instructor, Lamaze coach, retail manager, banker and financial advisor and lastly where she belongs as an author, a speaker and a teacher. She is happiest in a stack of books that excite her as they are waiting to be read. She is the author of "365 Days of Abundance" with a Foreword by Bob Proctor.

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