Her Financial Journey

Your Will Isn't in Charge (Your Beneficiary Forms Are) 05.10.2026 9:37 ↓

A will says who gets the house. It often doesn't decide who gets your retirement accounts, your life insurance or your business. Those are controlled by beneficiary forms and business agreements, some of which you may have filled out years ago. In this episode, Darlene covers: Why beneficiary forms come first. They're direct instructions to the company holding the money, and they don't go through...

Self-Employed Without a Safety Net? Build Your Own 28.09.2026 9:48 ↓

If you get a 1099 instead of a W-2, nobody hands you a retirement plan, health insurance or paid time off. That doesn't mean those things aren't available to you. It means nobody is going to set them up for you. In this episode, Darlene covers: Think like a business owner. You're not an employee without benefits. You're a business owner, and that gives you options. Taxes come out of every payment....

5 Money Mistakes I See Business Owners Make 21.09.2026 10:09 ↓

Most business owners would never put their life savings in a single stock. But when that stock is their own company, it feels like the American dream. In this episode, Darlene covers five mistakes she sees again and again: No written exit plan. "Five years from now" can stay five years away for a decade. Buyers pay for what the business will keep earning after you're gone. Could it run for three m...