Vision Before Budget: The Wealth Framework That Helped Dr. Annie Cole Retire 20 Years Early

What if the reason you’re stuck isn’t your budget—but the fact that you started with one?

I’m joined by Dr. Annie Cole, founder of Money Essentials for Women, who turned a $26K social work salary into $1 million in real estate, nearly $400K in investments, and shaved 20 years off her retirement date—all before turning 40.

Her secret? A radically different approach to wealth building that doesn’t start with pinching pennies. Annie walks us through her 5-Step Wealth Framework, including how to create a financial vision that actually aligns with your life, the real reason high-earning women still feel broke, and why investing just $1 could be the best place to start.

In this episode we discuss:


A clear understanding of why budgeting is not your starting line

The mindset shift that took Annie from broke to financially free

Three different ways to structure your budget based on your life goals

Why your income isn’t the biggest factor in wealth-building—and what is

How to start investing today (even if you're scared and have no idea where to start)

How to break free from outdated financial beliefs that keep women playing small

The #1 habit that accelerated Annie’s wealth and financial freedom

How to spend under your means without feeling restricted

Why financial planning > penny pinching

How to release shame and take control, even if you’re starting from zero


Learn more and connect with Annie:

Website: https://money-essentials.com

Instagram: @moneyessentialsforwomen

You’ll Walk Away Knowing:


Budgeting is often seen as restrictive and can keep people stuck.

A life vision is essential for effective financial planning.

Financial goals should align with personal values and aspirations.

Income alone does not equate to financial freedom.

Investing is crucial for building wealth and passive income.

Creating a financial plan can empower individuals to make intentional decisions.

Unexpected expenses are a part of life; having a buffer is important.

Mindset shifts are necessary for overcoming financial limitations.

Women often hold outdated beliefs about money and work.

Money coaching fills the gap between financial advice and personal finance education.


Here is that blog post I wrote that answers the question "How Do I Start Investing?"

If you love what you heard, please be sure to rate and review the podcast. Also, keep in the loop by following us on Instagram at @everyonestalkinmoney


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Ever wake up at 3 a.m. in a full-blown panic, wondering if you’ll ever have “enough” money? Maybe you’re making more than ever, but somehow, the worry never goes away. You stress over every purchase, second-guess every money move, and still feel like you’re one wrong decision away from losing it all.
Here’s the truth: It’s not just about the dollars—it’s about what’s happening in your head.
Welcome to Everyone’s Talkin’ Money, the podcast that finally tells it like it is: your emotions, thoughts, and habits around money are what’s keeping you stuck— not just your paycheck. Hosted by Shannah Game and Shari Rash, money experts who want to help you ditch shame, rewrite the rules, and help you feel powerful with your finances. Don't worry, this show isn’t another snooze-fest finance podcast. We're here to help you unf*ck your finances and finally build wealth in a way that actually feels good.
If you’re tired of finance bros yelling at you for buying a damn latte and sick of money advice that doesn’t fit your life, hit subscribe. It’s time to unravel your money mess, rewrite your story, and start building wealth—on your terms.

• Número de episodios: 1,301
• Último episodio: 2025-05-31
• Economía y empresa Educación Superación personal

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