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I’ve had plans to post and record this for a few weeks now and every time I sat to do so, I was prompted to go deeper.

Let me begin by emphasizing that I am not an expert in finance, nor is it my interest to be one 😉
I am someone that has grown her business from the ground up to an annual sales of 30 million with a personal 7 fig annual earnings.
Through the last few decades, I’ve learned a lot about how + why money circulates, so I’m sharing should it help.

I’m taking this conversation to the podcast, if you prefer to integrate in an audible way over the written…

You’ll find I’ve broken this out into 3 episodes:
Can I be trusted with more money?
Financial health checklist + tracker
Finance questions + golden nuggets from the community

My money back story:

Growing up - we didn’t have a lot of money.
My dad was a pastor, my mom didn’t work and stayed home to raise us.
I did learn about the importance of having several streams of income from my dad as he sold insurance and invested in rental properties in addition to his modest salary pastoring the church. And I also learned about how important it is to have a strong financial plan in place for when things don’t go according to the plan.

My dad died when I was 10, and my mom was left with 3 kids, no current job and a handful of investment properties that were losing money because at the time we had just entered a recession.
And so began my mother’s daily budgeting - a ritual that I grew up understanding the importance of. She could have filed for bankruptcy at the time and looking back it would have likely been a whole lot easier. But she decided to try her very best to make it work and she did 💜

My first job was working full time at a cafe, where I saved enough to buy my first car at 18 and fun my shopping + tanning (oh my word).
I also had the opportunity to work for a local entrepreneur who had created a patented product and it planted a seed in me. I loved the idea of creating something that solved a problem for other people and being paid to do.

While in university, I started working at Starbucks and then led to a 10 year career climbing the ladder before I left for my first maternity leave. I decided during that time to launch my dream of guiding people towards health and I started HOL:FIT.

For years I coached 100’s of clients in person while slowly taking my content + services online. I started doing youtube videos + webinars back in 2010 when it wasn’t where everyone was. Opened up my health programs to the online space in 2012 and did that for years, making in the moment income through trading time for money and residual income through packaging up my programs as eBooks + Webinars. I was making about $40,000 a year before I integrated a residual income stream that changed our life (doTERRA)

This is where I entered the scale up phase and it happened fast as I continued to apply my same work ethic in building our doTERRA community as I had for years in my HOL:FIT brand. It’s just that the doTERRA stream of my work was not about trading my time for money. In the beginning - I felt that I wasn’t earning what I was putting into it. But I LOVED sharing the oils and I knew it would be something I would do for the rest of my life. It wasn’t long before I began to see the importance of integrating a residual stream like doTERRA … because I was earning even when I wasn’t working on it. And doTERRA fulfilled my desire to have a BIG impact in our world, I was starting to understand the leverage it would give me.


This was a huge shift for me having spent years coaching clients and knowing the limit of my income potential vs my time.
And I obviously first learned about income limits in my career at Starbucks.

I’m very aware + respectful of the relationship between our level of personal leadership + our wealth.
When I meet someone who is showing up each day with a heart to help people, who goes all in and does the hard work even when they’re not being financial recognized and honours the resources they currently have … I have just met someone who will be trusted with a lot of money in the coming years. If you’re wondering - this is the only type of human I want to welcome into the business side of my doTERRA community.

This post + podcast series is a nod to the lessons I’ve gleaned along the way and if I can spare you some stress along the way,
then I’m glad to be offering it to you.
I remember what it felt like to believe that half of what I have now was impossible. I remember what it feels like to feel so far from the life I wanted to have. I remember feeling like I didn’t know where to start.

As much as the annual taxes I pay would paint a picture for you, I am very much the same person I was when I first started.
And I’m not apologetic about my success. Although our paths will be different, what I’m sharing here are principles + practical tips as you grow in your own trajectory.

When I create value like this, I like to offer you the opportunity to subscribe to my HOL:FIT newsletter,
so that you don’t miss content like this as it’s created.

the third currency:

Let’s start here:
I believe that money is an extension of how well we are managing the first two currencies
we are given in life: TIME + ENERGY. If we are being careless with these 2 currencies - it’s quite likely we are also being careless with our money.
There are 11 other signs that we are likely broke if you want to explore them here
But let’s come into this conversation together, assuming we all have an area within our finances that we could make healthier.

There are obviously a lot of ways to bring money into our lives, but it won’t last if we aren’t illustrating that we are
honouring our what we have already been given. I believe the same principles exist in how we spend our time, our energy + our money.
So if we want to welcome more money into our life, a great place to begin is by spending our most important currency with intention.
My Beautiful Life Lab Program will help you if you are struggling in this area.

We will not be given all that we are goaling for, if we aren’t taking care of what we’ve already been given.
This is truth.
We have to train ourselves to take a greater responsibility with what we currently have, with our time + our energy (health) to be
in healthy relationship with money.
When we’re told that over 60% of Americans don’t have $500 put away to cover emergencies, we have to understand that we are living in a time where instant gratification is steering the wheel. As the Times’ Annie Lowrey reported a couple years ago, the cost of retail goods has dropped
so precipitously in the last ten years that it’s created what economists call the “Walmart Effect.”

Spending habits are interesting …
I know we can all think of someone who has a lot of money, but doesn’t have their health or happiness.
On the flip side - we can think of people who don’t have the money, but have a lot of stuff.
We have to understand that
Money + Wealth are 2 different things.

You’ll know a truly wealthy person by how free they are.
It’s a feeling you have in their presence: they are not owned by anyone or anything.
They have protective boundaries in place around what is most important to them.
And if they have money along with health, happiness, fulfillment and meaningful relationships, they are no doubt,
one of the ones that are a force for good in our world.

Let me marinate on the above for just a moment with you:
 and emphasize that in order to have a positive impact in our world, you are going to need to be free in as many areas as possible.
Debt is an anchor and will keep you small.
Poor use of time is an anchor and will keep you small.
A lack of respect for yourself and your body is an anchor for keeping you small.
Your ability to lead + have an impact is influenced by how free you are.

This needs to be said, because you maybe playing small right now or keeping yourself in debt out of fear of what others will think.

Remember - the only way to escape criticism + judgment from others is to be nothing,
do nothing and stand for nothing.

As you grow in your health + wealth, you are going to make others uncomfortable as your level of ownership invites them to take inventory of theirs. Be careful not to waste too much of your life peddling to people that are not successful in areas you want to be.

Perhaps you have you an incredible opportunity in front of you and you’re sabotaging your growth because what if you became one of those successful people?
It’s important to understand that money simply amplifies who you truly are! If you have a heart for helping people and want to help as many people as possible, you are going to need to be financially free. 
And so please understand that your financial growth is going to be a necessary piece of the puzzle.

I want to emphasize that I believe I’ve been trusted with money, because I don’t worship it. I appreciate + love it …
It’s my partner in living my vision + having a big impact in our world.
It’s yours too. I’ve also had to do a ton of work to become the woman + leader that was to be trusted with big money, big community … big magic.
However my intentions are not rooted in having a lot of money …
my intention is always to be FREE and to create the opportunity for you to be as well.

We have entered a new time, and it’s defined by our relationship with it (time).
What we do to optimize this opportunity is up to us.

We don’t need to trade in our time and our health to have wealth like the old model taught us.
There is a way to have all 3 currencies flowing in together so that we can lead our life with purpose and impact and joy …
And yes it’s going to take seasons of good hard work to create a life where these 3 currencies are working together with + for us.

Questions that help us know if more is on the way:

The girls have wanted a dog for a while now …
And our conversations around this, continue to work with the question … “can we be trusted with more?”
It’s been a fresh way to talk about responsibility and how we know that we are ready for more. The question invites us to check in with how grateful we are with what we currently have … to ask how well we are taking care of what we currently have.

I’m going to keep going with this idea as we unpack the money conversation together because this is the principle that I believe guides the flow of abundance. If you're gonna ask for something - you have to own it.
Show that you are the one to be given more of that.

If you want to have more money, you want to illustrate that you can be given more, because of how you’re handling what you have.
Sidebar - women often ask me what the secret is to having more followers on Instagram. I offer 2 suggestions: Ask yourself how ready you are to stop caring what everything thinks of you (because if one hurtful comment currently sends you spinning, you are not ready for more) AND don’t do things just so that you will have more followers. Share with passion even if no one is seeing at … and they will.

There are simple questions we can ask ourselves when we are asking for more:

👉 Are there any opportunities I’ve been given, that I haven’t honoured with my personal action + follow thru?
👉 Have I been given resources that I haven’t utilized fully yet?
👉 Am I willing to do more than others are, in order to have something great?
👉 Am I willing to take action even when others judge me?
👉 Am I taking care of myself in the way my future self needs? In the way the person that will be given more, needs?
👉 Is my life messy in this area I’m asking for more in?
👉 Do I break promises I’ve made with myself?
👉 Do I often give in to urges?
👉 Do I make decisions to receive instant gratification?
👉 Do I care more about leading a big life than I care about being liked by everyone?

All questions that received a yes, are simply areas inviting us to bring more awareness + intention going forward.
There are always going to be areas of our life that require us to do deeper in. I’m currently working on 4 of those questions and I know I will not be trusted with some of the goals that I have until I breathe new life into those areas.

One more thing.
There is one question that trumps them all …
What was I programmed to believe about money and is this what I still believe to be true?
If I can speak into what is the most common misconception of money … it’s that it comes after doing something.
The truth is that it comes as live + breathe + give as an abundant being.

It comes as you demonstrate your ability to take care of what you already have - your health + your time.

If you are living by an antiquated model, because you’re in a state of lack and separation, you keep checking with your senses to see if your abundance has arrived. Since you can’t see it, you question whether you are doing it right or why it hasn’t happened yet. This type of analysis only serves to create further separation because you are analyzing your life within the same familiar energy, frequency, or emotion. We could say that you are thinking in the past—and thus everything in your life stays the same.” SOURCE

okay, onto the practical:

I think the question that many of you are asking right now is: “how do I begin to have more control over my finances?”
Perhaps you are living pay check to pay check (over 70% of the requests for this series said that they were)
and can’t see your way out of it.
Or perhaps you have no concerns about money flow but you also have no idea where it’s all going.
I’ve been there … in all 3 cases.

I’m going to organize a financial health checklist further down, but let’s go through the 5 most important areas to begin with:

one: Track every single dolluh

This is uncomfortable for all of us to do whether we are tracking our food intake,
where our time is going or how the dollars are moving.
We are asking ourselves to get realllllly honest about our practices.
Back in the day when I was coaching clients in nutrition, this is where we’d start: tracking the current food intake
In the Beautiful Life Lab, this is also where we start: tracking where every one of the 168 hrs went for a week.
Because this tracking = your truth.
And it’s going to teach you where to create some new habits.
In the checklist further down, I’ve given you some cool apps to help with tracking your dollas.
I personally use Expensify to track the way my money is moving. I like it because it’s cloud based and I can access it through my phone on the app or on their website. I have it set to automatically import transactions from my business credit card and I have rules setup to automatically categorize expenses that I commonly make. Quickbooks is another popular one.

two: Know your income number

How much do you need to earn to live the lifestyle that is important to you?
How much do you need to earn to give in a way that is important to you?
How much do you need to earn in order to have all debts paid off?
Be honest with yourself and think about what your definition of a beautiful life would look like.
For example for me, organic food + health tools such as essential oils, have always taken up a bigger real estate in my expenses than what I would spend on eating out, tech or fashion. And so being real with myself about what that monthly number looked like, helped me understand the bigger picture income goal I was working towards.
Get clear on what you’re willing to trade in, in order to have what you know you value.

three: Create your budget

You may have heard me say before that if we want a quick peek at what we are valuing in our life,
we can simply look at our calendar.
Well, the same can be said for our budget. It represents what we are valuing the most.
For me - I have always valued feeling my best and having access to the very best healthy food + health tools.
So I would allocate more of my budget towards that, and less towards buying purses, art shoes or towards habits that I feel are not serving my greater good such as wine.
I think the You Need a Budget website/app is brilliant! They have a 30 day trial that’s absolutely worth checking out.

Once you’ve tracked where your dollars are going, you can make some decisions for going forward.
A good financial rule of thumb is the 50/30/20 approach:
50% of your income goes towards fixed expenses
30% goes towards flexible expenses
20% goes towards savings/tithing/investing

When you have an accurate picture of how much money is coming in vs going out, you can make a more informed decision
around where you’re spending your other 2 currencies (your time + energy)
As Dave Bruno wrote, “Stuff is not passive. Stuff wants your time, attention, allegiance.
But you know it as well as I do, life is more important than the things we accumulate.”
Other services/apps to check out: Every Dollar,,

four: Create more with what you have

Before you add anything in as an income stream, it’s wise to look at where you can create
more money flow with what you currently have. Most people have a lot of clutter in their home … stuff they don’t even use or enjoy anymore that someone else would love to purchase.

It’s time to Marie Kondo your home and decide what no longer serves you (functionally or joyfully) and put it up for sale on
eBay, Kijiji or the Facebook Marketplace.
(Even by donating items you no longer use, through creating more spaciousness in your life, you are welcoming in money flow.)

What about your home? Could you list it on AirBnB when you go on vacation?
And what about your car? Do you really need it? Ride sharing through Uber + Lyft is going to be the way of the future, so why not be an early adopter and drop the monthly payment + car insurance expense? Or perhaps you could put your car up on Turo which is basically the car version of AirBnB.

five: Create a new revenue stream

Ok let’s spend a bit more time on this one since this is what probably interests you most.

What opportunities can you explore in order to create the income level that will support the life you want to live?
Long term employment with a company is dead … gone are the days of having 2 way loyalty with a business and working there until you retire with a pension.
We have had to adapt to the reality that you need to have multiple streams of income.

If you’re like me, residual income wasn’t part of the ‘what are you going to do when you grow up’. The trajectory was certainly, go to university, get the job you’ll have for most of your adult life. Done.
I wish the importance of multiple streams was impressed on me at a younger age but I’m glad I pivoted when I did.

Residual income comes in various ways:
—> We talked about leveraging ride services like Uber + Lyft above … have you considered becoming a driver?
This could add an additional $100 a week just by dedicating 10 hrs to driving.

—> Active Income: Can you monetize your passion + gifts?
A great way to understand what you love to do - is to ask yourself what you tend to do when you’re ‘supposed’ to be doing something else. For example - when you’re supposed to be pitching a client or writing an article, do you find yourself organizing a kitchen drawer instead? Have you ever thought about becoming a hired organizer for other people that are don’t like to do it? Or how about cleaning? Do you love it?
Put your services up on Kijiji or Ask For Task What if you could make an extra $100 a week through doing this for a couple of hours?

I earned this type of active income when I started HOL:FIT and began personal training + holistic nutrition coaching - I would coach for an hour and I would be paid for that hour. So with active income, you’re trading your time for money

—> Residual (passion) income: Is there a product that you believe in so much that you use it every day?
Think about your lifestyle and what you do or use in a typical day that has changed your life.

Level 1 would be becoming an affiliate with that product or company.
Think about the top products or services or coaches that you use + love. Find out if they have an affiliate marketing program.
Amazon is another great example of this and while the commissions payout is pretty low, if people often ask you what products you love - this is a smart way to share.

Level 2 would be creating your own program, webinar or ebook.
You create it once and then sell it over and over. Another way to describe this would be making a program ‘evergreen’.
I do this through my coaching programs, Ready Set GLOW and the Beautiful Life Lab. They are available for purchase all year, and I light it up 1-2x a year with additional coaching.

If you’re currently earning in a time = money scenario and are good at what you do, you will want to establish your way of scaling your work beyond your time. For example - let’s say you’re a very skilled makeup artist. It’s time to create a training program that you sell online and that sells while you sleep and while you work with clients 1:1
Yes put the time into 1:1 because this is how you develop in your craft. I did this for years and with thousands of client sessions and then scaled it.
You can’t skip the steps here, because it is evident when someone is only presenting themselves as an expert without putting the time in to develop into one.

What I’m suggesting here is to tap into the power of LEVERAGE:
I love getting my hair done while I do some work,
I love the dishwasher,
I love my laundry machine,
I love listening to podcasts while I chop veggies,
I love a day working in my zone of genius with assistant in my kitchen prepping dinner
Think about how you can make time multiply.

Level 3 would be partnering with that company in their network marketing opportunity.
This income stream will turn out to be the most valued residual stream within your financial snapshot - as long as it’s a product and way of life you truly believe in.
This is the most impactful form of income because it gives you leverage.

I’m obsessed with leverage and it’s why I decided to build a doTERRA wellness business.
I live what I teach which always puts me in a unique position of influence, and I do something once and it lives beyond me.
It’s THE business model if you don’t want to trade in your time for money.

In the network marketing industry - doTERRA is the largest in North America and the most appealing if you are looking to integrate a legacy business (one you’ll have for life). If you’d like to learn more about it from my perspective, click here.
One of the things I love about this business, is it allows me to offer to others the same opportunity to do what I’ve done.

5) Set your first money goal (make it micro)

To begin building trust with yourself in how you are handling your money, set 1 small goal for this month + follow thru!
The most important money goal is to pay off debts because that is a real + energetic distraction to your freedom.
Start with credit cards and move out from there. With this - it’s important to be as aggressive with paying it down as possible.
If you have debts, it is not the season for treating yourself.

In the checklist I’ve given you below, you’ll likely find one action stands out above all the rest - because it’s the one you’re meant to take this month.

healthy Money checklist:

  • Have separate bank account for DT income and pay expenses out of this

  • Have a separate cc for DT

  • Track every dollar you make + spend so you can have an accurate budget in place. Considering that 61% of people don’t track their finances, it’s where most of us need to have more intention to create more money flow. Some great apps that help with this:

  • Set aside monthly or quarterly amounts towards tax payments. Estimate based on your annual earnings or at least 20%

  • Consider using the 50/30/20 method with your income:

    • 50% goes towards fixed expenses such as your mortgage, car loan + utilities

    • 30% goes towards flexible expenses such as clothing, food, travel

    • 20% goes into savings, tithing, taxes that will be owed to the gov’t

    • NOTE: It is important to pay off debts as soon as possible, so make that the priority. The debtor is always a slave to the loaner.
      If you are looking for more guidance in this way - I suggest you look at Dave Ramsey’s Financial Peace University.

  • What would you do with an extra spending of $100 a week?

  • What can you do to create an extra $100 a week?

    • Create current money flow + space by selling

    • Create a new income stream by:

  • Consider where you want to invest your money as it grows. Our approach with investing, once our debts were cleared, was to first build our dream home. And then our 2nd investment was a home in Florida earlier this year where we as a family have rented over the last 20 years and have made many memories. Going forward, we are working to have money set aside for both girls for their education + personal business startups. In the past I’ve invested in several stocks and make some good returns there. Wealth Front is a great service to check out as you look into where to invest your money.

  • Have a retirement plan in place. We max out our RRSP contribution each year as it brings our income level down and creates a realm of income for that season of our life.

    • A note on retirement planning: It has previously been suggested that most people will need 1 million put away in order to comfortably live past the age of 65 into your eighties. To create that, you would want to put aside approx $300 a month starting in your twenties. This is why more and more millennials have started building a doTERRA business. Creating an income of $300 a month is one of the very first ranks in doTERRA called premier. It’s a rank that over 70% wellness advocates in doTERRA achieve.

  • Meet with a financial advisor to explore opportunities to invest once your debts are paid off

  • Hire a bookkeeper to join your support team. Check out Bench and

  • Hire an accountant to join your support team

  • If you run your own business, calculate what you make per hour now and what you will be making per hour next year at this time.

  • Open up a bank account dedicated to your business only (for income to be deposited and business expenses to be paid out of)

  • Set aside monthly or quarterly amounts towards tax payments. Estimate based on your annual earnings or at least 20%

  • Open up a credit card just for your business (only to be used for business expenses). I have/love the AMEX Platinum Business card because it’s the best card if you do a lot of business travel (ie access to VIP airport lounges, travel miles, upgrades etc)

  • Pay off your credit card balance every month unless you are in a season of investing into your business to make way for more income. I pay for every business expense on my business credit card so that I can easily track all spending.

  • Savings to set aside: 

    • initially, have at least $1000 put away for short-term emergencies

    • work towards having enough to cover 6 months worth of expenses should you lose your job or health

Share the minimial list of signs you’re broke

dear money

thank you for trusting me to circulate you with integrity.
thank you for flowing to me as a nod to the value I give on a daily basis.
I love paying more in taxes year over year
I love doing my books every month on the 17th
I love laying people to be a part of the brand
I love growing more because the more I grow the more every leader on my team grows which means more money for them

questions submitted by the community for this series: 

1) is there a personal financial management software for recording personal and business expenses you like? I’m just using my own google sheet. 

2) what’s your rhythm to manage your finances to stay ahead of it and your PROCESS (what I’m most interested in!!)

3) do you have a breakdown for each pay cheque: ie- x% goes to savings, y% goes to investment portfolio, z% to giving, etc

4) how often and what’s the format you and Cris talk about family finances

5) do you pay for taxes once/year or in instalments?

6) how many credit cards do you have (what do we feel is too many despite perks etc they can offer us?) and do you use one for personal and another for business for ease of tracking?

7) Any tips on how to feel worthy of receiving money + holding on to it?

advice from the community:


about the doterra opportunity:


If you are someone who cares about living a more natural life and wants to help others have access to the same, you will love building a doTERRA business. You’ll notice I didn’t say, “if you want to be rich, start a doTERRA business.” While there are significant financial earnings within the doTERRA business model - in my opinion, it is only actualized by people who are committed to their own health, to leading their time + energy and to helping others do that too. If this is you - you will be well taken care of in doTERRA.



Finance tools mentioned in this series:

Hop over to the HOL:FIT Library for some great books to check out on developing your money mindset.