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Speech Transcript

0:00  

Hey this is Cheryl fields with lifestyle wealth group. And if you really want to learn how to level up your life, you should be listening to the time to shine today podcast with my friend Scott Ferguson. Time to shine today varsity squad it is Scott Ferguson and welcome to Episode 135 with my really good friend and kind of a neighbor here in South Florida Cheryl fields from the lifestyle wealth group, Cheryl says one thing that really sticks out and that there’s three kinds of money, the money you save the money, you spend the money that slips through your fingers and lifestyle wealth group, she helps you hang on to that money that slips through your fingers. Cheryl is someone that I respect immensely. She’s got fantastic free training that you can join if you check the show notes. And she’s going to remind us to live up to our potential. So without further ado, break out your notebooks sit back, relax, because here’s my good friend, Cheryl fields.

0:59  

Hey, I’ve decided to today varsity squad to the Scott Ferguson. And I have a real treat. I got my good friend Cheryl fields who is kind of a neighbor. She lives about 60 miles south of me err in sunny South Florida. I respect her immensely. I kind of tracked her down here on LinkedIn to have her come on and share her story. And her aha moment and her fails, and how she leveled up into starting lifestyle wealth group. And she helps others level up. After 35 years as an entrepreneur and an ex financial advisor, Cheryl has been teaching Americans how to build a rock solid financial foundation by increasing cash flow, having tax free income in retirement, that’s huge. And leaving a legacy for the next generation. And all of those fit the time to shine today model of leveling up your life. And you know, money is something that we have to protect. We don’t need to hoard it, we got to put it to work for us. It’s a good thing. And Cheryl is going to talk to us about that as well. So Cheryl, without further ado, please come on and introduce yourself the time to shine today’s squad. But first, what is your favorite color? And why?

2:12  

My favorite color is turquoise. And yeah, it’s just a color, I actually love to wear it. And you find out I have a horse and so she has a turquoise blanket. And you know, so it’s not, there’s no rooms in my house painted turquoise. But as far as the color, that’s my favorite color. He

2:28  

kind of like an ocean II color too. And we live the salt life down here. You know the beach too much anymore, but not anymore. We live it we live the salt life. So that’s fantastic. So sure, let’s get to a little bit of the origins if you would about lifestyle wealth group of actually take us back before then what led into because I was reading your the story then we talked last month and then and what you have going up you made some really valid points about you started when the market crashed? In a sense, you know, oh, oh, no, not to say you weren’t money savvy, but it’s just like, you’re kind of getting in like, Oh, my ex’s, like real estate agents, they came into the, to the business and Oh, 809 and 10. And a lot of them that withstood it are successful now because they didn’t know what good was bad. So excuse, give us a start here.

3:22  

Well, sure. So I’ve been an entrepreneur for a really long time decades and had businesses all across the country, from how I say from Hollywood, California to Hollywood, Florida. And, and so actually what my life took a big pivot, laid it when I was about 47 years old, late in 2003. And I realized that I knew how business work, but I didn’t know how money worked. And so I decided to become a financial advisor. And I was hired by a global investment firm right out of school. And that was like late, no seven. So we know what happened to no eight, of course, everything came crashing down. And I always like to joke that I’m probably the only advisor that didn’t lose a client in a way because Luckily, I didn’t have one. So that was my claim to fame, Ben. But uh, but then I, you know, I went to bed every night and I just said, you know, how can I believe in a system that lets this happen to people, and lets them you know, follow the best advice. And and then like, overnight, be able to, you know, have something, something come along, that’s going to make them lose so much of what they worked all their life to save. And so everyone, every night I went to bed, Scott, I was sick at my stomach thinking, this is like my worst entrepreneurial moment was like, What am I going to do? I’ve just made the biggest mistake of my life. I don’t even believe in this predatory system. And every night I would just go to bed and think there has to be something else. And so a few days later, I actually woke up with with a you know, not an answer to anything but a really good question, which is, wait, what do wealthy people do? Because they don’t start over every time the stock market crashes and they always have time and money and not only enough money for their lives, but enough money for the next generation. And I thought you know what, that’s what I want to learn about. That’s what I want to know. And so I interviewed wealthy people. And I just for the last 10 years now I’ve called myself an ex financial advisor, but financial educator, teaching people the strategies that that they are not taught by the, you know, traditional financial model.

5:14  

Right. So how were you able to reach out to the wealthy? And have them give you their time?

5:19  

Well, you know, I read the book thinking Grow Rich, and like you just said, you know, the real estate people really didn’t know what good times were. So I guess I wasn’t afraid. And so. And I found that actually people that I mean, I can’t tell you my interview, super famous people or anything like that. But people that I knew that had money, and I would ask them, Hey, so who else do you know, that I could talk to? And so they’d give me two or three people from the Country Club. And there I you know, had more interviews. And so, you know, I just realized that there was a whole nother way. It’s 100 years old, but I realized there was a whole nother way that wasn’t necessarily benefiting the banks, Wall Street in the IRS.

5:55  

Beautiful. So while you were building the, your business up, did you encounter any hard times where you had to fail forward?

6:05  

Yeah, well, for sure. So starting out from scratch like that, and of course, not having clients at that point. I was. So I was really trying to figure out a way one of the things that I talked about was, was about fees in the, in the, you know, investment accounts and how a lot of wealthy people were telling me that that’s what they avoided at all costs, because it can rob you of like, 40% of your wealth. And so as I was thinking, Okay, I have this really great idea, I have all these strategies. Now I can teach people, but how am I going to go to them and say, Hey, don’t pay them, but pay me right. So I was like, now you created another monster in your life, Cheryl, because now what are you going to do? So I actually went, and I went to the companies that I wanted to use hundred year old companies, and I asked them if they would pay me instead. And so I don’t charge my clients for the advice that I give them. But I get I still get paid. There’s no doubt about that. But yeah, that was definitely a tough time. Because then I thought, What am I going to do now? You know, how am I going to get around this big boulder elephant in the room?

7:01  

Well, and so we you stepped away for entrepreneurship? What do you what kind of companies did you have?

7:07  

So Well, I started, I got out of high school at 16. And all I wanted to do is be an entrepreneur was all I wanted. Yeah. And so I printed up business cards, I went door to door in industrial parks, I liked graphic graphic design, and back then everything was done by hand. Right? No computers, it was decades before that. And, and so I just said, I know, I’m young, but I can do the work. And if you’ll give me a chance, I’d love to try. And if you don’t like the work, you don’t have to pay me. And so you’ll love this story. So I i this one company, they wanted me to help them do these race engines, right? They like, and so I did brochures for them for race engines. And I’m not knowing anything about racing. anything. I just had to do the brochure, I had to take the pictures and make it look good. And so So anyway, they by fright by, you know, I had done the project. And then I thought to myself, hey, if I could go get them printed, I could actually mark up the printing. So I went to a printer friends and I said hey, we you bid the job like you regularly what is if they walk through the door, but let’s split the profit. He said, Sure. So I mean, I look back now I think, you know, it was great. So then after I got the project done, they said to me, hey, look, the boss is really happy. He’d love for you to come in. And he wants to meet you because he’s got other work. And I said, Great. Well, the boss was Mario Andretti. And the work I was doing was for the Long Beach Grand Prix. Wow. So I by now I had turned 17. But I was like, I don’t really know what an entrepreneur is. But I really like it right? They gave me a big fat check. And I really never looked back. And so from there, I had other graphics. I was an art director for a magazine in a newspaper in Yorba Linda. Then I did I started a video production company called Banyan in LA and we did broadcast quality video for ABC television, and then got want to get out of the city. So we bought a horse ranch and a printing company in Grand Junction, Colorado. Well, and then from there. We decided to move to the state of Maine. It wasn’t my choice. I was married then. And he wanted to go to the state of Maine. So we went there and that not only ended the marriage, but but I published an International Business Journal in mainland Atlantic Canada, because they’re geographically linked and economically linked. And then from there. Let’s see. And so then from there, I went down and I was hired by Gulfstream aerospace as a consultant. So that was for a year that was a year gig to put all of their merchandise premium merchandise. I was a personal shopper with General Dynamics checkbook it was it was so much fun. And my office was right there, you know, on the on the tarmac in Savannah and it was just great. But so from there, then that’s so that’s when my life took a pivot. And that’s when I decided to become a financial advisor.

9:51  

She knew a lot about the business but you didn’t know how money works. So when you got the education with that what what led into the inception The lifestyle wealth group?

10:02  

Well, because I felt that see. So what I feel like is really wrong with the system is that, you know that you’re basically told there’s two kinds of money in money you’re saving money you spend. So all of the money is kind of just one or the other. And I felt like that was a big gap. Because there’s so much money, I say, there’s three kinds of money, the money you save, the money you spend and the money that slips through your fingers. And so I help people bring back the money that slips through their fingers. And so with that, my whole thing is not how I just it for so many people, it doesn’t work to put your money into a place that you can’t use it till you’re 59 and a half, there’s only 11 years that the government lets you use your money without penalty. And then when you get into retirement, they tell you, you know, you have the rmds you have to take out your money. And so there’s so many reasons that that cutting off that cash flow as an entrepreneur, you know, right, cutting off that cash flow is why like nine out of 10 businesses go out of business, right? And I thought, what if we could mobilize this and have them be able to use that cash, borrow from themselves pay themselves back? And that’s what wealthy people do. And so that’s, that’s what I got so excited about for sure.

11:06  

Right? So did you have a mentor that you had a lot of you were in 2003, which you said it didn’t turn out that you were 47, then or

11:15  

I think that’s the math is right, yeah.

11:17  

Okay, so 47. So deserve a mentor that kind of took you under the wing, as you kind of started into financial advising and started the lifestyle wealth group.

11:26  

Absolutely. So the reason I gave the name, the company lifestyle wealth group is because I believe that our money should be used for our lifestyle. And it doesn’t mean we’re giving up retirement, it just means we’re going to be guaranteed tax free income in retirement. But we can use our money now for the things that we need, instead of paying the bank all the interest, right. And so, so I had mentors all the way along, I went, I was able to go and take a couple different courses from people that were already doing what I was doing. I mean, like I said, this is nothing new, right? But teaching these teaching these strategies. And so yeah, there were several people that I studied under instead of four people that helped me along and help me get started. But I again, I just like I just like I had done before. I just kind of went out there and started pounding the pavement, and speaking wherever I could podcasting guesting television when I had it, you know, and I’ve been doing that live streaming now. So yeah, it’s really my goal. And my mission is to get this out to as many people as possible because right now, we have all this tax money that’s getting spent with trillions and trillions more dollars in debt. And that’s only going to come back to the people that pay taxes, which is people like you and me,

12:30  

right? And so I pay as little as I can. But we all follow the rule. Y’all follow the rules.

12:37  

So they’ve changed the rules.

12:39  

Yeah, they do. And you need someone like that to be able to guide the ship and whatnot. So yeah, what do you think makes a great financial educator then?

12:47  

Well, I think just showing people that there’s other ways to do things, most of the people, I do this four day live boot camp, and most people are like I just showed them, I lay it out step by step, here’s what we’ve been told. And here’s what we’ve been taught. But listen, does it really make sense? And what other options are there out there? But again, you know, like, most people are really shocked to hear that like on the front cover of The Wall Street Journal, January 2 of 2017. They said, the fathers of the 401k said, Actually that it was never meant to be a retirement vehicle for the American family. Right? They said, We tried to stop it during the Reagan years, but we couldn’t. And like you’re just like, so leave known. And so for me, I just feel like, you know, might not be for everybody. But I tell you, Mike, I have clients all across the country. And for them, it’s it’s been a godsend. I mean, I can just tell you story after story of how people’s lives have changed.

13:35  

Love it. So if I’m at a networking event, what you’re allowed to do a little bit here in South Florida, or even virtually networking, and I’m shutting my mouth and listening, what kind of what kind of things might they say that would make them a good prospect referral or connection for lifestyle wealth group?

13:51  

That’s a great question. Wow. Thank you for asking that. Well, the whole thing is people that say I’m tired of the market, you know, I’m tired of the ups and downs of the market. I’ve lost so much money again. And again, I you know, like I say to people, look, I saw the market crash and Oh, wait, I’ve seen it crash again. And I’ve only been doing this for 12 years. So like, how many times do you want to see your money go down, you know, down the drain. So anybody that’s saying basically, you know, I’m tired of this, I don’t, you know, I’m tired of the fees. I’m tired of the insecurity because, you know, we we like accounts that never go backwards. And so, you know, it’s that’s what Warren Buffett says are the two rules of investing. Rule number one is never let your money go backwards. And rule number two, never forget rule number one. those are those are words that I live by. So again, you know, Robert Kiyosaki says it’s not how much you make, but how much you keep, how hard it works for you and how many generations you keep it for. And so people that subscribe to that type of thinking are absolutely my ideal clients.

14:47  

Love it and love it. So you let’s get in our DeLorean with Marty McFly from Back to the Future. Let’s go back to the 22 year old Cheryl on North Your last name is field. So let’s go back to the 22 year old Cheryl, what kind of knowledge nuggets are you dropping on her that would maybe help her shorten their learning curve with the wisdom you have now?

15:13  

Well, I 22 I was having kids, I had two little baby girls at that point 18 months apart. And I think just the, I think the wisdom, I think you know, one of the things is just never give up. And always look for opportunity. I think I just have a serial heart for being an entrepreneur, I’ve always got ideas. And I think I would have encouraged myself to take a little more chance, take a little more, be a little more. I want to say like, intuitive or be a little bit more dedicated to finding opportunities, I probably could have had other businesses that I don’t even know I could have had

15:49  

to be more mindful, I guess of what’s going on around you and see what the opportunities might lie in and take it from that. I love that. So we talk a lot about the dash here at time to shine today. And I want to know how you want your dash remember that little mark in between your incarnation date and your expiration day your life dating death? How do you how to Cheryl want her maybe legacy statement? or How did she want that dash? Remember,

16:12  

I would just love to be known for somebody who wanted to go out and educate people. My heart is really in it my mission centered I met a place in life where I can give back. And I would just love to be viewed as somebody who went out there. And I used to get on airplanes and fly all over the place. But now I do it. Like we’re doing it right now. Right. And I would just love to be remembered as a heartfelt woman. I’m a mother and a grandmother of four. And I would love to just be remembered as a woman who stood up for the people that just didn’t want to be a part of the predatory system. And that wanted to create a legacy wanted to enjoy their lives. And I would just love to be known as somebody who helped that happen for them.

16:49  

Okay, that’s beautiful. And you’re a total go giver, you know, a lot of the stuff you you kind of give away for free as well. If lack

16:57  

I give it all the way for free. It might even my bootcamp is free. Yeah.

17:01  

Right. So when you’re someone that approaches you or approaches lifestyle wealth group, is there any good question that you wish they would ask you, but never do?

17:12  

Hmm.

17:15  

I just again, I think that so many people are stuck in just there’s one way to do things, I would love for them to just say, Hey, is there really another way that you can do this stuff? Yeah. And so I would just love that question. But again, I have to wait for them to ask it.

17:27  

Exactly, exactly. I would ask something along those lines. And also to tell me about how you came about being able to hold on to that money that slips through the fingers, you know, and see and see the company like a nightmare. You know, tell me what happens. So that’s what I like it in real estate, you and I teach people how to invest in real estate. So yes, I know, absolutely is what is one thing that Cheryl knows for sure.

17:50  

I know for sure that we are all here to give and contribute to each other, I know that it takes all of us, you know, we all have different opinions on things. And you know, we all have different ways of looking at things. We’re all in different stages of our life. But I believe that, you know, we’re all here to learn from each other, or, you know, or learn, either learning from me or learning from or all learn from other people. So it’s all it’s, you know, it’s just generational. And so I feel that that’s really one of the most important things. It’s just that we’re, we’re all in this together. And I just, you know, I I just appreciate so many people that have come alongside me and help me and I want to pass that on.

18:25  

Love that. So if everything just blew up on you, and you know, you lost basically everything. What would your first step be to do to rebuild or get back?

18:36  

I have no doubt. I think one thing as an entrepreneur, and especially now that I understand about finance, I have no doubt I would just find a new idea. I mean, a business I tell this to people all the time of business is just an exchange of value. So I would find something that needed needed get needed doing in the world. And that would be my next business. So I wouldn’t be down for long.

18:55  

I cannot believe you have not read atlas shrugged. That is a business. It’s just an exchange of value. It’s it’s what you have and what other people haven’t you exchange it there was no money back then. You know, a certain time there

19:08  

may not be money again. So we need to get

19:12  

right. Absolutely. So what are three things that show can’t live without them?

19:19  

Okay, can’t live without family for sure. So I have two daughters one’s here and she’s married and has I have four grandkids here in Parkland not too far away. Of course not seeing them now except on FaceTime which is killing me. I can’t live without just you know, enjoying my life. I have a horse I love to ride I love to ride my bike in the morning and, you know, put something in my on my you know what sometimes it’s music sometimes it’s you know, study stuff books on Audible, but um, I can’t live without like the balance of work in life. I think that’s really important to me. I you know, I don’t work. I’m not an 80 hour person at all. Until this COVID I would take Wednesday afternoons off and go, my son My grandpa Son is in a bilingual class and I speak Spanish. So I would go help them with homework, you know, at Wednesday afternoons were my day off and my afternoon off. And, I mean, I love that kind of stuff. Now, of course, we’re not able to do that anymore. So that’s the kind of thing I couldn’t really live without. I’m not sure. I mean, that’s really the most important thing. And then my other daughter is in New York City. And of course, family is your

20:21  

family horses reading community. So that’s exactly,

20:24  

exactly and I think you know, fitness too. I really enjoy getting out you know, pumping my bike like

20:30  

seven I said, three shall come on. Well, sorry. No, I love it that you so well rounded and put together. So what would your what would your definition of a life while living?

20:43  

I’m feeling like you’ve lived to your potential, no matter what that is. Love it.

20:51  

Love it.

20:53  

You know, I was we are going to talk to the squad here out there. I always say that if you’re not living to your potential, it’s a sin. You know, and I’m not saying so much as a religious religious context about it. But you know, sin is a Greek word, the origin of it means missing the mark. So if you’re not living to your potential, you’re making a mark every day. And why not? We’re not here for that long. Last, we’ll hit your mark as much as you can. So Cheryl, as we wind things down a little bit, we go into what we call our leveling up lightning round. And you and I could talk for 1520 minutes on each one of these questions by my producers flash and five, you have five seconds, no explanations of them to be answered. That way. You’re ready,

21:33  

I guess. So.

21:34  

Here we go. What’s the best leveling up advice you’ve ever received?

21:38  

Just to go out and live to your full potential.

21:40  

Love it. share one of your personal habits that contribute to your success

21:45  

by creating in the morning, six o’clock out there.

21:47  

Wow, that so now what you’re reading now, not the flavor of the month. But recommend a book is a Scott, you have to read this. I’m in the doldrums. I’m coming to you like what’s the Good Book?

22:00  

Um, I’m just you said not a book that I’m just reading now. I read it like 10 years ago. I’ve read it twice already, but I’m reading it again. It’s the alchemists Parkway.

22:08  

Oh, yeah, absolutely. What emoji Do you use the most when you’re texting?

22:13  

I got to give you two I use the hibiscus, Florida. Huggy face and then hibiscus. And that’s like my signature

22:20  

sign. I love it. Now not wisdom wise. But physical wise. I know you feel great. If you go back and be one age for the rest of your life. What would it be? Wow. A physical wise.

22:36  

Ah, man, I was in I was in pretty good shape about honestly about like, two years ago. I was doing polarities all the time. I really enjoyed that.

22:44  

That’s your best shape. Come on, like nice. 32. I mean, I was

22:49  

I wasn’t into exercise then. Okay. All right. I was chasing kids around and you know, doing stuff. So I don’t know. I’m not really sure I’ve ever thought about that. But I really would love to be back

22:58  

in time to shine you make you think. So what’s your favorite charity and or organization you’d like to give your time and or money to?

23:05  

I love the Boys and Girls Club.

23:07  

I worked for them for about three years in Los Angeles. And and it’s just a fabulous organization.

23:14  

Love it. Yeah, I give a little bit to them every year as well. So last question is kind of hard. But what’s the best decade of music 6070s 80s or 980s? Maybe a big era don’t care. I love it. That transition is good times. Good times. So how can we find you?

23:31  

Okay, great. So of course, we’ve mentioned lifestyle, wealth, group.com. That’s the name of the company. But a couple things. So you can connect with me on Facebook, I have a group there called prosperity seekers. And you’ll see my picture there and the header and I go live every there every Friday and talk about current issues in finance or current things going on in the world. So if you It’s a free Facebook group, so it’s prosperity seekers on Facebook, but then I’d love to offer your your listeners a free pass to my boot camp. It’s a four day live boot camp. I do it Monday through Thursday, it’s 45 minutes at 11 o’clock eastern. And again, it’s free, it’s live. And I go over all of the strategies that I’ve been talking to you about I teach all of that in a four day and a four day 445 minute sessions. And so that’s what I’m really excited about. Because I’ve been doing that now this is five or six times I’ve done it but it’s just a great way for people to really understand how you know, how we’ve been deceived and what we can look forward to as far as truth about money goes, and you’re doing that for free than

24:30  

I am. And that’s August, every day. Is that every

24:35  

Well no, it’s not. It’s actually I think it’s the 24th I believe that’s the Monday is the next 27th is the Monday I think so it’s Monday through Thursday,

24:45  

in July, August, August. Okay, folks, I’m going to make sure that we’re on point with Cheryl and we’ll have it in the show notes below. So go ahead and scroll down to the show notes. And so sure, leave us with one last Knowledge Nugget that you want to Take with us internalize and take action on outside of living to your potential.

25:06  

So

25:09  

I think that what we have to be really we have to really take heart to right now is, as you know, the government’s passed out, you know, so much money, trillions of dollars. And we have to really be careful and know about taxes, and it’s going to come back around to bite us. And it’s just really, really important. I think any entrepreneur needs to be, you know, learning as much as they can so that they can protect what they have and protect their business going forward.

25:33  

I love that in squad you’ve just been witness to a basically a free masterclass with my good friend here share. I mean, I took my version of notes, which is a full page and I hope that you had to and I trust me, I would have kept writing, but I am job is to also to ask the questions. But you know, she was someone that knew how to grow a business, but she didn’t know how money works. So she got herself educated, okay. And that’s what she’ll help you do. You know, to help you get educated about money, you know, you have your saved money, spend money, and the money that slips through your fingers in it lifestyle, wealth group, they can help you out to make sure that less of that money slips through your fingers. If you’re tired of the Yo, yo, up and down the insecurity make sure you’re reaching out to to Cheryl, you know, she reminds us that the wealthy don’t panic, they’re already prepared for any scenario that really comes up unless it’s complete Armageddon, then we’re all gone anyways. So but you know, she believes in you know, don’t go backwards with your money. And she referenced Warren Buffett’s You know, that’s the first rule. And the second rule is rule number one. So, you know, she reminded herself, you know, that she went back, she would be like, never give up. And always be mindful for opportunities. She’s a finance fantastic financial go giver. I was I had financial in there as well. She wants us all to give and contribute to each other. And just a reminder that this is an exchange of value. You know, it’s not like one has to go over another one has to win. It could be a collaboration. And Cheryl is the perfect collaborator, and she’s healthy. She’s wealthy. She’s leveling up her life. And she’s part of our squad now. So Cheryl, thank you so, so much.

27:09  

It’s been such a thrill to be here with you, Scott. And thank you so much for asking me.

27:13  

We’ll hit we’ll have you on again soon.

27:14  

I’d love it. Thanks. We’ll talk soon. Stay safe out there.

27:18  

Hey, thanks so much for listening to this episode of time to shine today podcast, probably brought to you by southern New Jersey real estate real estate excellence, who can be reached at 561-249-7266 and online at www dot Sutter and nugent.com. If you’re a business owner or professional who would like to be interviewed on time to shine today, please visit time to shine today.com slash guest. If you liked this episode, please subscribe on Apple podcasts, Google podcasts, Stitcher, Spotify, I Heart Radio or wherever you get your podcast. There’s a link in the show notes to our website. Also there you will see a recommended resources. We hope that you will support our show by supporting them. If you like what you’ve been listening to, it’d be great if you could just give us a five star rating and tell your friends to subscribe while you’re at it. I’m your host, Scott Ferguson. And until next time, let’s level up. It’s our time to shine.

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