Thanks to our good friends at Monarch for sponsoring this video! Get 50% off Monarch’s Core Plan with code TFD50: https://bit.ly/4xtfH67

If you didn’t grow up with a lot, it probably set you up for a difficult money journey in adulthood. “Former poor kids” can absolutely build financial stability (or even generational wealth), but the process is going to look a little different. Today, Chelsea is going over 9 rules to follow if you’re the first person in your family to make money.

If you want to get good with money, here are the products we use and recommend:

Monarch for budgeting: https://bit.ly/4xtfH67
Advisor for financial advisory: https://bit.ly/4q3XjOC
Betterment for investing: https://bit.ly/4yZJ7do
SoFi for a good high-yield savings account: https://bit.ly/4btN0gQ

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This episode is brought to you in partnership with HISA: https://shorturl.at/nIZTt

Money isn’t just about what you earn.

It’s about what you believe.

Some people see opportunities everywhere, while others constantly fear there’s never enough. So where does that mindset come from and can it be changed?

In this episode of the Just Money Podcast, Ivy sits down with Murugi Munyi, entrepreneur, influencer, and podcaster, alongside Dr. Mary Waceke, a life coach who specializes in women and wealth, to explore the powerful connection between mindset, money, and success.

Murugi opens up about how her upbringing shaped her abundant mindset, the beliefs that have influenced the way she approaches money, and how she intentionally built the Murugi Munyi brand. She also shares why she’s become comfortable saying “no” to opportunities that don’t align with her values even when they come with a paycheck.

Dr. Waceke unpacks the psychology behind abundance, explaining where our money beliefs are formed, how limiting beliefs hold people back, and the practical steps anyone can take to develop a healthier relationship with wealth.

In this conversation we explore:

What an abundant mindset really means
How childhood shapes our relationship with money
How Murugi Munyi intentionally built her personal brand
Why saying “no” can be one of the best financial decisions you’ll make
The role of confidence in creating opportunities
How women can redefine their relationship with wealth
The psychology behind scarcity thinking

One lesson stands out:

Abundance isn’t about having more.

It’s about believing there is enough and making decisions from that place instead of fear.

Whether you’re building a business, growing your career, or simply trying to develop a healthier relationship with money, this conversation offers practical insights into creating a mindset that supports lasting success.

Get in touch with our Guests:

Murugi Munyi
Instagram: [Murugi Munyi (@murugi.munyi) • Instagram photos and videos](https://www.instagram.com/murugi.munyi/)

Dr. Mary Waceke
Website:[Dr. Mary Waceke Thongoh-Muia | LinkedIn](https://www.linkedin.com/in/dr-mary-waceke-thongoh-muia-60b6ba2b/)

Follow our Host Just Ivy Africa on Socials:
https://linktr.ee/justivyafrica_?utm_source=linktree_profile_share&ltsid=63b80341-307e-4644-a2d7-dadb5367987f

Stay ahead of everything happening in the economy, powered by The Kenyan Wall Street:
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Subscribe to The Kenyan Wall Street for new episodes every week!

🎧 Listen & Follow Just Money Podcast:

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Spotify: Just Money Podcast
TikTok: Just Money Podcast
X (Twitter): @JustMoneypod

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*I CALL THE GUY SHE CHEATED ON HIM WITH* and I fully expose their situation, and it gets soooooooo messy, you won’t belive it. Watch post show here: https://hamr.link/ytjoin *OR* download the brand new Hammer Elite App ➡ https://hammerelite.com/#join (discounted annual)

💰 Download Dollarwise – Big Deals, New Features, Free Trial: https://go.dollarwise.com/join

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*Caleb Hammer Financial Resources*
=============================
👉 *PERSONAL LOANS* Shop for the best personal loan for a new purchase, a consolidation, or something else → https://shorturl.at/c53Eg
👉 *DEBT RELIEF* Finally experience relief from your debt once and for all → https://shorturl.at/VbGPv
👉 *CREDIT BUILDER* Got crappy credit? Break free and finally build it for good → https://shorturl.at/zZf2P
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=============================
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*Sponsors for This Video*
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=============================
*Education*
=============================
👉 Get access to EVERYTHING I offer all in one place: https://bit.ly/4sUm2pb
⚡Learn how to budget: https://bit.ly/4sspyGh
⚡Learn how to invest: https://bit.ly/41mr8OP
⚡Pay off your debt: https://calebhammer.com/master-your-debt

=============================
*Extra Resources*
=============================
👉 Land a high-paying job with no experience or degree: ➡ https://coursecareers.com/CalebHammer
👉 Get FREE MONEY by investing with Public! https://secure.moneymatchup.com/public-caleb
👉 Find the best credit cards for you with my quiz! https://cards.calebhammer.com/yt
👉 Get $20 from Acorns for free: ➡ https://acorns.com/caleb
👉 Helium Mobile: Use promo code CALEB for a FREE plan ➡ https://hellohelium.com/
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👉 Checking & Savings: Get up to $350 and 3.75% APY on savings with Chime®: https://secure.moneymatchup.com/-caleb-chime-YT

=============================
*Chapters*
=============================

=============================
Want more content?
=============================
🍿 Caleb Hammer Clips: https://www.youtube.com/@calebhammerclips
🍿 Front Page Documentaries: https://www.youtube.com/@frontpagechannel
🍿 Caleb Hammer Top Videos https://www.youtube.com/@CalebHammerTopVideos

=============================
*Connect with me!*
=============================
TikTok: https://www.tiktok.com/@calebhammercomposer
X: https://x.com/sircalebhammer
IG: https://www.instagram.com/calebhammercomposer/
Facebook: https://www.facebook.com/calebhammercomposer/

=============================
*Want to be a guest on Financial Audit?*
=============================
👉 We film weekdays in our studio in Austin, Texas (in person only)! To apply, visit: https://calebhammer.com/apply

*Some of the links and other products that appear in this video are from companies for which Caleb Hammer will earn an affiliate commission or referral bonus. This is not investment advice.

Sponsorship and business inquiries: business@calebhammer.com

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Lockdown Series: https://youtube.com/playlist?list=PLMjKNhiK3DLCFuBj0iEKPXNbYYIz7TaNH
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#PambansangWealthCoachngPilipinas #Helpingtobecomedebtfree #wealthy #BawatPilipinoayIponaryo #Iponaryo #ChinkPositive #ChinkeeTan
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***For bookings and collaborations, message our official FB page: https://www.facebook.com/chinkeetan/
or email me at ctechtrading26@gmail.com

source

*I CALL THE GUY SHE CHEATED ON HIM WITH* and I fully expose their situation, and it gets soooooooo messy, you won’t belive it. Watch post show here: https://hamr.link/ytjoin *OR* download the brand new Hammer Elite App ➡ https://hammerelite.com/#join (discounted annual)

💰 Download Dollarwise – Big Deals, New Features, Free Trial: https://go.dollarwise.com/join

=============================
*Caleb Hammer Financial Resources*
=============================
👉 *PERSONAL LOANS* Shop for the best personal loan for a new purchase, a consolidation, or something else → https://shorturl.at/c53Eg
👉 *DEBT RELIEF* Finally experience relief from your debt once and for all → https://shorturl.at/VbGPv
👉 *CREDIT BUILDER* Got crappy credit? Break free and finally build it for good → https://shorturl.at/zZf2P
👉 *AUTO LOANS* Get the best rates on an auto loan or refinance → https://shorturl.at/vNxQL
👉 *CAR INSURANCE* Find and compare much better AND cheaper car insurance for free → https://shorturl.at/vGDD5

=============================
🔥 MY NEW FLAVOR IS FINALLY LIVE!! Get Liquid Assets *NOW* for under 40 cents per serving!! Get 10% off your entire order with code CALEB – https://hamr.link/calebdrank
🔥 Get Your Own *Hammer Financial Score* → https://hamr.link/newquiz

=============================
*Sponsors for This Video*
=============================

=============================
*Education*
=============================
👉 Get access to EVERYTHING I offer all in one place: https://bit.ly/4sUm2pb
⚡Learn how to budget: https://bit.ly/4sspyGh
⚡Learn how to invest: https://bit.ly/41mr8OP
⚡Pay off your debt: https://calebhammer.com/master-your-debt

=============================
*Extra Resources*
=============================
👉 Land a high-paying job with no experience or degree: ➡ https://coursecareers.com/CalebHammer
👉 Get FREE MONEY by investing with Public! https://secure.moneymatchup.com/public-caleb
👉 Find the best credit cards for you with my quiz! https://cards.calebhammer.com/yt
👉 Get $20 from Acorns for free: ➡ https://acorns.com/caleb
👉 Helium Mobile: Use promo code CALEB for a FREE plan ➡ https://hellohelium.com/
👉 Protect your online privacy and security for free with Aura: ➡ https://aura.com/hammer
👉 Checking & Savings: Get up to $350 and 3.75% APY on savings with Chime®: https://secure.moneymatchup.com/-caleb-chime-YT
=============================
*Chapters*
=============================

=============================
Want more content?
=============================
🍿 Caleb Hammer Clips: https://www.youtube.com/@calebhammerclips
🍿 Front Page Documentaries: https://www.youtube.com/@frontpagechannel
🍿 Caleb Hammer Top Videos https://www.youtube.com/@CalebHammerTopVideos
=============================
*Connect with me!*
=============================
TikTok: https://www.tiktok.com/@calebhammercomposer
X: https://x.com/sircalebhammer
IG: https://www.instagram.com/calebhammercomposer/
Facebook: https://www.facebook.com/calebhammercomposer/

=============================
*Want to be a guest on Financial Audit?*
=============================
👉 We film weekdays in our studio in Austin, Texas (in person only)! To apply, visit: https://calebhammer.com/apply

*Some of the links and other products that appear in this video are from companies for which Caleb Hammer will earn an affiliate commission or referral bonus. This is not investment advice.

Sponsorship and business inquiries: business@calebhammer.com

source

RIPPLE XRP PRICE PREDICTION 2026

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Disclaimer: This video is not financial advice and it is not intended to be. This video is for informational and educational purposes only and does not provide advice in any type of way.

source

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Go to https://lelo.to/LELOF2sDSxCaleb and use code HAMMER20 for an extra 20% off on ALL products and stackable with current discounts
*I DO A DRUG TEST ON HER IN THE POST SHOW* and we find out about so much more *insane* sh*t regarding her, you won’t belive it. Watch post show here: https://hamr.link/6184d0 *OR* watch on the brand new Hammer Elite App ➡ https://hamr.link/629469 (discounted annual)

💰 Download Dollarwise – Big Deals, New Features, Free Trial: https://go.dollarwise.com/join

=============================
*Caleb Hammer Financial Resources*
=============================
👉 *PERSONAL LOANS* Shop for the best personal loan for a new purchase, a consolidation, or something else → https://shorturl.at/c53Eg
👉 *DEBT RELIEF* Finally experience relief from your debt once and for all → https://shorturl.at/VbGPv
👉 *CREDIT BUILDER* Got crappy credit? Break free and finally build it for good → https://shorturl.at/zZf2P
👉 *AUTO LOANS* Get the best rates on an auto loan or refinance → https://shorturl.at/vNxQL
👉 *CAR INSURANCE* Find and compare much better AND cheaper car insurance for free → https://shorturl.at/vGDD5

=============================
🔥 MY NEW FLAVOR IS FINALLY LIVE!! Get Liquid Assets *NOW* for under 40 cents per serving!! Get 10% off your entire order with code CALEB – https://hamr.link/calebdrank
🔥 Get Your Own *Hammer Financial Score* → https://hamr.link/newquiz

=============================
*Sponsors for This Video*
=============================
Ready to reach your goals? Visit https://hims.com/hammer to get a personalized, affordable
plan that gets you.

Download Albert: https://pnl.link/iwMInqG
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=============================
*Education*
=============================
👉 Get access to EVERYTHING I offer all in one place: https://bit.ly/4sUm2pb
⚡Learn how to budget: https://bit.ly/4sspyGh
⚡Learn how to invest: https://bit.ly/41mr8OP
⚡Pay off your debt: https://calebhammer.com/master-your-debt

=============================
*Extra Resources*
=============================
👉 Land a high-paying job with no experience or degree: ➡ https://coursecareers.com/CalebHammer
👉 Get FREE MONEY by investing with Public! https://secure.moneymatchup.com/public-caleb
👉 Find the best credit cards for you with my quiz! https://cards.calebhammer.com/yt
👉 Get $20 from Acorns for free: ➡ https://acorns.com/caleb
👉 Helium Mobile: Use promo code CALEB for a FREE plan ➡ https://hellohelium.com/
👉 Protect your online privacy and security for free with Aura: ➡ https://aura.com/hammer
👉 Checking & Savings: Get up to $350 and 3.75% APY on savings with Chime®: https://secure.moneymatchup.com/-caleb-chime-YT

=============================
*Chapters*
=============================
00:00 Intro
02:02 Jobs & Income
05:16 asking the important questions
12:26 kids being involved here is craaaazy
19:36 i too turn off my location when having a seizure
27:53 i too cheat while employed at mcdonalds
34:23 bro had to run a dna check on his kid…
37:38 AT CHURCH??? this is a finance show.
40:23 theres more!!
43:53 shes not worth sticking around for…
58:41 oh theyre just f*cked financially too lool
01:03:11 hes a WHAT??
01:07:46 black WHAT??
01:14:28 hes on the WHAT??
01:18:41 bullsh*t bullsh*t bullsh*t
01:22:26 i meaaan if the shoe fits, shes probably on something lol
01:27:05 Budget!!
=============================
Want more content?
=============================
🍿 Caleb Hammer Clips: https://www.youtube.com/@calebhammerclips
🍿 Front Page Documentaries: https://www.youtube.com/@frontpagechannel
🍿 Caleb Hammer Top Videos https://www.youtube.com/@CalebHammerTopVideos

=============================
*Connect with me!*
=============================
TikTok: https://www.tiktok.com/@calebhammercomposer
X: https://x.com/sircalebhammer
IG: https://www.instagram.com/calebhammercomposer/
Facebook: https://www.facebook.com/calebhammercomposer/

=============================
*Want to be a guest on Financial Audit?*
=============================
👉 We film weekdays in our studio in Austin, Texas (in person only)! To apply, visit: https://calebhammer.com/apply

*Some of the links and other products that appear in this video are from companies for which Caleb Hammer will earn an affiliate commission or referral bonus. This is not investment advice.

Sponsorship and business inquiries: business@calebhammer.com

source