Welcome to Mindset Money Matters!

I am excited to bring you a unique blend of personal growth and financial literacy inspiration on a weekly basis.

This newsletter will be broken down into three main segments:

• Mindset: understanding how to embody a growth mindset

• Money: tips to manage your money with more confidence

• Markets: break down the financial & crypto markets in layman terms

I. Mindset

If you relate more to the “or” questions above, maybe it’s time to take a look at your mindset. Let’s talk about the difference between a fixed vs. growth mindset and how embracing challenges can open up a whole new world for you.

Many schools and families raise us with a fixed mindset. This can be debilitating-it causes you to believe that your abilities and intelligence are set in stone. You feel that you are either naturally gifted at something or you’re not- leading to a fear of failure and a reluctance to take on new challenges. This can also affect those around you- you may see others as competition and feel threatened by their success, rather than inspired by it.

In contrast, a growth mindset is all about seeing opportunities for learning and growth, believing that your talents and abilities can be developed and improved through hard work and dedication. You see failure as an opportunity instead of a setback. You tend to be more supportive of others, seeing their successes as something to celebrate and learn from.

Personally, I learned the difference through life experiences and spending over a decade working in the corporate world, always striving to achieve more and climb higher up the ladder. But despite the success and promotions, I often felt like something was missing- a sense of purpose and meaning; something more impactful. It wasn't until I began to explore the world of mindset and personal growth that I realized what I was truly passionate about- educating and mentoring others!

I made the bold decision to leave the security and comfort of my corporate job to venture out on my own. Now I’m on a mission to share my knowledge and expertise with you to help you achieve personal growth and financial literacy- find your TRUE happiness!

II. Money

Let's start by acknowledging that money can be a sensitive and uncomfortable topic for many people. But the truth is, avoiding it only perpetuates the cycle of discomfort and lack of control.

Guess what- you are not the only one!

It's time to take back control! Money 🤑- sometimes we chase it which is usually why we feel like it's running away from us.

The goal here is to empower you to use money as a tool towards establishing generational wealth, creating a better future for yourself and your loved ones!

It's likely that your relationship with money was shaped by your upbringing and the beliefs and values that were instilled in you. But it's important to recognize that those beliefs and values can be changed. By challenging the way we view money, we can break free from limiting beliefs and open ourselves up to new opportunities and possibilities.

As someone who spent over 15 years in the banking and finance industry, I know how to help you manage your money with confidence. I spent years educating and advising clients on how to pay off debt and grow their assets through investing in markets, real estate, and business expansion.

So let’s begin your journey and break down your finances into manageable pieces, setting goals and creating a plan so you can take control of your money confidently and start making progress towards a brighter financial future!

III. Markets

Here we'll simplify and break down what’s going on in the markets. Let's work smarter and not harder folks- investing is an effective way to put your money to work and make it pay you!

If your excuse is “I don’t have the money or time to invest”, then invest in your mindset or else you’ll be in the same predicament you are now in 5 years. Smart investing will allow your money to outpace inflation and grow faster due to the power of compounding. You will quickly learn the importance of understanding time vs. money here.

More than halfway through Q1 earnings season and 80% of S&P 500 companies are beating expectations (higher than the historical average of 73%). Led by Microsoft, Google, Meta, Amazon, as well as some consumer staples, energy, and materials sectors. During the same period the US economy grew at an annualized rate of 1.1% falling short of the anticipated 2.0%.

The Federal Reserve is likely to increase interest rates by 25 basis points in its meeting on May 3rd; bringing the Federal Funds rate to 5.00%-5.25%. Note: the Federal Funds rate is the rate banks lend to each other, not to us consumers (that rate is higher). Similarly, the European Central Bank is expected to raise their interest rates on May 4th, potentially causing a slowdown in worldwide economic growth. Both the Federal Reserve and the European Central Bank need to be careful about how they continue to raise interest rates to prevent tipping the economy into a recession.

Indicators are weakening, with 9 out of 12 recession risk indications pointing towards a slowdown in economic growth.

This segment is brought to you by Ceni Capital which was founded as a way to foster a community of like-minded individuals and empower them to create long term wealth by capitalizing on shorter term investments.

I value your time and will strive to keep the content easy to read and short enough to get to the point!

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See you next week!👋