5 Things You Didn’t Know About Medical Bills

5 Things You Didn’t Know About Medical Bills

What you don’t know about medical bills can cost you both in terms of money and frustration. There can be some unpleasant side effects from your medical care if you’re not aware of these billing pitfalls. Yes, of course, your medical providers deserve to be paid fairly. However, I don’t want you to overpay your medical bills because of confusion …

The Easiest Way to Fix Your Finances, tools on a bench

The Easiest Way to Fix Your Finances

The easiest way to fix your finances is also the most successful in the long-term! But have you noticed that we tend to complicate things and make them harder than they need to be?Many people tend think that fixing their money problems is going to be difficult and overwhelming. And it’s no wonder! Money gurus tell us lies like, “You …

stop asking whats wrong with me, christine luken, thoughtful blond woman with glasses

Stop Asking “What’s Wrong with Me?”

If you’ve ever struggled to get your crap together when it comes to money, you’ve likely asked some variation of this question: “What’s wrong with me?” “What’s wrong with me? I make a good income, so why don’t I have anything to show for it?” “What’s wrong with me? I should have these student loans paid off by now.” “What’s …

How to talk about money without fighting, attractive couple arguing at the kitchen table

How to Talk about Money without Fighting

When a couple is experiencing financial stress, it can seem nearly impossible to talk about money without fighting. Emotions run high and conversations can quickly turn into shouting matches and blame-a-thons. With 75% of Americans feeling money stress at least some of the time, and almost 25% experiencing extreme financial stress, the struggle is real. The good news is that …

Financial Coach versus Financial Planner, what's the difference, thinking man with glasses

The Difference Between a Financial Coach and a Financial Planner

So, what’s the difference between a financial coach and a financial planner? When I introduce myself as the Financial Lifeguard, I’m frequently mistaken for a financial planner, which I’m not. I can see why people are confused about this. Not only are financial coaches and planners different from each other, but there are several names that are used interchangeably for …

Creating Healthy Boundaries in Your Business

Creating Healthy Boundaries in Your Business

Creating healthy boundaries in your business is vitally important for entrepreneurs. We need to create and enforce boundaries around our money, time, and energy, so we don’t end up burnt out or resentful of our customers, vendors, and fans. In this session, Beth Silvers, speaker, soon-to-be author, podcast host, and expert in difficult conversations, gave Collective members loads of valuable …

You Don't Deserve to Make Money Having Fun, Christine Luken

You Don’t Deserve To Get Paid For Fun

In this guest appearance on The Money Lab podcast, hosted by Wei Houng, I come clean about a faulty money story that was holding me back in my business: You Don’t Deserve to Get Paid for Fun. Transcript: Wei Houng: Welcome to the money lab live podcast episode number eighty-two: The You Don’t Deserve to Get Paid for Fun money story. …

dave ramsey is wrong

Dave Ramsey is Wrong About a Few Things

Recently, my guest post 6 Things I Don’t Agree With Dave Ramsey On​ was published on BudgetsAreSexy.com. I have to admit that I was a little nervous about publicly declaring my differences with Dave, seeing as he was a mentor to me for many years. (The article itself is very civil, and by no means disrespectful.) And then of course, …

Are You Being Cheap with Yourself, Christine Luken, Financial Lifeguard

Are You Being Cheap with Yourself?

Not long ago, I realized that I was being cheap with myself over something pretty silly – tissues. I always bought the store brand, never the “Puffs Plus Lotion” or the “Kleenex Ultra Soft.” Allergies plague me almost year-round, so I use a lot of tissues. Six weeks ago, my mom stayed with me for a few days while she …