She Was Making $17K a Year When Her World Fell Apart — Here's How She Built a Multi-Six-Figure Business From the Rubble

She Spent More Than She Made for Three Years and Was Too Ashamed to Tell Anyone: Nicole Laino on Debt, Human Design, and Finally Breaking Through

What happens when you know your business is a calling but you can't figure out why it isn't working? In this episode of Manifest, Manage & Multiply Money, Audrey Faust sits down with Nicole Laino, human design expert, Gene Keys guide, business strategist, and host of the top ranked podcast Unshakable with Human Design. Nicole works with established coaches, experts, and transformational entrepreneurs who know they are capable of more than their business is currently reflecting back to them. Nicole opens up about the first three years of her business where she spent more than she made, accumulated significant debt, and carried so much shame she could barely admit to herself what was happening. Her husband was supportive but the question "when is this going to work?" hung in the air. In this conversation she shares what finally shifted, how discovering human design gave her the map she had been desperately searching for, and how she went on to build a multi-six-figure business with a team of just two people. She also shares her powerful framework for treating emotional work like daily hygiene, why money beliefs are tied to emotional triggers not just thoughts, and how she personified money in a way that completely transformed her relationship with abundance. If you have ever felt like your business should be working but something invisible keeps getting in the way, this episode will show you exactly what that something is. Chapters 00:00 — Introduction to Nicole Laino  01:38 — What Nicole does and what lights her up  05:43 — How Nicole's relationship with money changed as her business grew  08:00 — The debt, the shame, and the question that hung in the air  10:22 — Why emotional work is like daily hygiene  12:28 — How niching down into human design changed everything  16:41 — Identity shifts and turning gifts up to 11  20:02 — Manifestation, meeting the universe halfway and letting go of the script  23:18 — Personifying money and shifting the energy of scarcity  26:44 — The lesson that finally broke through the six figure plateau  30:07 — How inner work and practical strategy work together  37:17 — Nicole's free secret podcast and where to find her  39:15 — Message to women on the edge of their next level In This Episode, You'll Learn: * Why money beliefs are tied to emotional triggers, not just thoughts, and why that distinction changes everything * How Nicole spent more than she made for three years and what finally broke the cycle * Why discovering human design gave her the map she had been searching for in every healing modality * How treating emotional work like daily hygiene transformed her capacity and resilience * Why the excuses you make will always reveal the beliefs that are holding you back * How Nicole personified money and used that practice to shift out of scarcity energy * Why optimizing what you already have beats constantly chasing something new * How Nicole built a multi-six-figure business with a team of just two people * Why being unshakable is not about pushing through — it's about taking care of yourself along the way Guest Free Gift If you have ever wondered how human design fits into building a profitable business, Nicole Laino's secret podcast Aligned and Profitable is exactly what you need. This private podcast takes you through Nicole's full framework for using human design in your business and the strategies she used to grow revenue 50% year over year and profit 70%. You can access it by DMing Nicole the words secret podcast on Instagram at Nicole Laino Official or by going directly to https://nicolelaino.com/masterclass [https://nicolelaino.com/masterclass] Connect with Nicole Laino * Podcast: Unshakable with Human Design [https://nicolelaino.com/podcast/] * Instagram: instagram.com/NicoleLainoOfficial [https://www.instagram.com/nicolelainoofficial/] * Substack: Nicole Laino Human Design [https://nicolelaino.substack.com/] * Website: https://nicolelaino.com/ [https://nicolelaino.com/] ABOUT THE HOST Audrey Faust, MBA, is known as The Manifesting CFO. For more than two decades she has worked with multi-six and seven-figure businesses, helping entrepreneurs understand their financials, strengthen profitability, and build long-term wealth. Through her work, Audrey has witnessed the identity shifts and leadership evolution that occur as businesses scale—and the powerful role that money mindset plays in sustainable success. SUBSCRIBE & FOLLOW If you enjoyed this episode, consider leaving a review or sharing it with another woman entrepreneur who would benefit from these conversations. And until next time… Keep manifesting, managing, and multiplying your money. If you’re ready to go deeper, I’ve got some powerful ways to support you. Join me inside my world: 🌐 Website: https://www.audreyfaustconsulting.com/ [https://www.audreyfaustconsulting.com/] 📸 Instagram: https://www.instagram.com/manifesting_cfo/ [https:// https://www.instagram.com/manifesting_cfo/] 💼 LinkedIn: https://www.linkedin.com/in/audreyfaust/ [https://www.linkedin.com/in/audreyfaust/] 🎥 YouTube: https://www.youtube.com/@TheManifestingCFO [https://www.youtube.com/@TheManifestingCFO]

I Made the Exact Same Amount Two Years in a Row and Didn't Even Know Why: Carol Look on Hidden Income Ceilings and the Money Patterns We Inherit

What if the thing quietly capping your income is completely invisible to you? In this episode of Manifest, Manage & Multiply Money, Audrey Faust sits down with Carol Look, psychotherapist, founding EFT master, and multi-six-figure CEO who has spent 25 years helping people release the limiting beliefs, emotional conflicts, and self-sabotage behaviors standing between them and the success they want. Carol grew up watching her father struggle with money, fight over it, and ultimately die in debt. Those early experiences shaped everything — her beliefs about scarcity, her income ceilings, and the guilt that came with outearning everyone around her. In this conversation she opens up about the moment she realized she had made the exact same income two years in a row without knowing why, what she did to break through, and how she went on to build a thriving multi-six-figure practice entirely without social media. Carol also shares her powerful framework for emotional abundance, why the energy of chasing is the energy of lack, and how gratitude combined with EFT tapping changed everything about how she relates to money and success. If you have ever felt like you had one foot on the gas and one foot on the brake, this episode will help you understand exactly why. Chapters 00:00 — Introduction to Carol Look  01:57 — How Carol's relationship with money changed as her business grew 0 4:42 — Childhood money beliefs and where they come from  08:41 — What it looks like when someone is intellectually ready but emotionally blocked  10:36 — Identity shifts on the journey to multi-six figures  13:01 — Hard work, struggle, and the beliefs we inherit from family  16:37 — The income ceiling Carol didn't know was there until she looked at the numbers  19:45 — Success on your own terms and what wealth really means  24:13 — Law of attraction and emotional abundance  27:00 — Gratitude as a tool for financial abundance  30:08 — Carol's free gift and where to find her  31:47 — Message to women on the edge of their next level In This Episode, You'll Learn: * Why money patterns from childhood quietly run your business without you knowing it * How Carol discovered an income ceiling she didn't know was there until she looked at her numbers * Why the energy of chasing is the energy of lack and what to do instead * What emotional abundance is and why you can't have financial abundance without it * How guilt about outearning family and colleagues creates invisible income limits * Why hard work and struggle are beliefs we inherit, not truths we have to live by * How gratitude combined with EFT tapping can rewire your relationship with money * Why Carol built a multi-six-figure business entirely without social media by staying in alignment Guest Free Gift If you know about gratitude but you're not actually feeling it, Carol Look's free gift is exactly what you need. The Yes Thank You book portal at theyescode.com/thankyou gives you free access to all of Carol's gratitude videos, including her research-backed combination of EFT tapping and gratitude practices that she believes are some of the most transformational and underused tools available. Find out what's blocking you from a practice that could change everything. 🔗 theyescode.com/thankyou [https://www.theyescode.com/thankyou/] Connect with Carol Look * Website: carolook.com [https://www.carollook.com/] * YouTube: https://www.youtube.com/@CarolLookEFT [https://www.youtube.com/@CarolLookEFT] ABOUT THE HOST Audrey Faust, MBA, is known as The Manifesting CFO. For more than two decades she has worked with multi-six and seven-figure businesses, helping entrepreneurs understand their financials, strengthen profitability, and build long-term wealth. Through her work, Audrey has witnessed the identity shifts and leadership evolution that occur as businesses scale—and the powerful role that money mindset plays in sustainable success. SUBSCRIBE & FOLLOW If you enjoyed this episode, consider leaving a review or sharing it with another woman entrepreneur who would benefit from these conversations. And until next time… Keep manifesting, managing, and multiplying your money. If you’re ready to go deeper, I’ve got some powerful ways to support you. Join me inside my world: 🌐 Website: https://www.audreyfaustconsulting.com/ [https://www.audreyfaustconsulting.com/] 📸 Instagram: https://www.instagram.com/manifesting_cfo/ [https:// https://www.instagram.com/manifesting_cfo/] 💼 LinkedIn: https://www.linkedin.com/in/audreyfaust/ [https://www.linkedin.com/in/audreyfaust/] 🎥 YouTube: https://www.youtube.com/@TheManifestingCFO [https://www.youtube.com/@TheManifestingCFO]

When Is It Going to Be Enough? Nicole Cramer on Selling Without the Sleaze, Chasing the Feeling, and Building a Multi-Six-Figure Business Through Genuine Connection

What if the number you've been chasing was never really about the money? In this episode of Manifest, Manage & Multiply Money, Audrey Faust sits down with Nicole Cramer — keynote speaker, sales conversation coach, and multi-six-figure CEO who went from 15 years as a high school math teacher to the number one nationally ranked salesperson in her Fortune 500 company. Nicole built her business on a simple but powerful belief: selling is serving. And in a world of AI and automation, genuine human connection is the most powerful sales tool you have. Nicole opens up about flopping around like a fish out of water in her first year of business, the visibility fears and limiting beliefs that almost kept her invisible, and the therapist couch moment that changed everything — when she realized she had hit every number she ever wanted and still asked for more. She shares her powerful reframe on what selling really is, why women are actually better at sales than they think, and what it means to be a walking permission slip for the people you are meant to serve. If you've ever been afraid to sell, afraid to be enough, or afraid the number will never feel like the answer — this episode is for you. Chapters * 00:00 — Nicole Cramer's background and journey * 01:16 — What Nicole loves about her work * 02:22 — Starting her business and early challenges * 04:53 — Selling yourself vs. selling corporate * 07:15 — Women in sales and the empathy advantage * 08:06 — Identity shifts and personal growth * 09:39 — Overcoming money mindset blocks * 11:10 — Trusting the process and invisible progress * 14:48 — Money beliefs and making more money * 19:57 — Achieving external success and internal fulfillment * 22:05 — The concept of enough and gratitude * 26:22 — Inner work and practical business strategies * 30:49 — Nicole's free 9-step sales framework * 32:58 — Message to women on the edge of the next level In This Episode, You'll Learn: * Why the number you're chasing is never really about the money * How Nicole went from math teacher to number one nationally ranked salesperson in under two years * Why women are actually better at sales — and what holds them back from doing more of it * The difference between selling yourself and selling a corporate product — and why it matters for entrepreneurs * Why selling is serving and how that belief changes everything about how you show up * What invisible progress is and why you have to trust it before you can see it * Why making more money can actually make you more scared — not less * How to give yourself the feeling you've been chasing right now, regardless of your circumstances * Why you are a walking permission slip for the people you are meant to serve Guest Free Gift If you've ever wondered what to say on a sales call or how to guide someone through a conversation to a yes, Nicole Cramer's Nine Step Sales Framework is the resource you've been looking for. This is the exact framework that took Nicole to multiple six figures and has helped her clients land clients consistently. It covers how to navigate a sales conversation step by step — not with a script, but with strategic language and genuine connection that helps people make decisions. Download it, use it, and watch what happens. 🔗 Find Nicole and her free gift at: Https://thenicolecramer.ck.page/framework [https://thenicolecramer.ck.page/framework] Connect with Nicole Cramer Website: http://www.thenicolecramer.com/ [http://www.thenicolecramer.com/] Instagram: https://www.instagram.com/thenicolecramer/ [https://www.instagram.com/thenicolecramer/] YouTube: https://www.youtube.com/@thenicolecramer [https://www.youtube.com/@thenicolecramer] ABOUT THE HOST Audrey Faust, MBA, is known as The Manifesting CFO. For more than two decades she has worked with multi-six and seven-figure businesses, helping entrepreneurs understand their financials, strengthen profitability, and build long-term wealth. Through her work, Audrey has witnessed the identity shifts and leadership evolution that occur as businesses scale—and the powerful role that money mindset plays in sustainable success. SUBSCRIBE & FOLLOW If you enjoyed this episode, consider leaving a review or sharing it with another woman entrepreneur who would benefit from these conversations. And until next time… Keep manifesting, managing, and multiplying your money. If you’re ready to go deeper, I’ve got some powerful ways to support you. Join me inside my world: 🌐 Website: https://www.audreyfaustconsulting.com/ [https://www.audreyfaustconsulting.com/] 📸 Instagram: https://www.instagram.com/manifesting_cfo/ [https:// https://www.instagram.com/manifesting_cfo/] 💼 LinkedIn: https://www.linkedin.com/in/audreyfaust/ [https://www.linkedin.com/in/audreyfaust/] 🎥 YouTube: https://www.youtube.com/@TheManifestingCFO [https://www.youtube.com/@TheManifestingCFO]

She Heard "There's Not Enough" Her Whole Life — and Internalized It as "I'm Not Enough": Danielle Marggraf on Healing the Root of Every Money Block

What if your money problem isn't really about money at all? In this episode of Manifest, Manage & Multiply Money, Audrey Faust sits down with Danielle Marggraf, founder of the Embodied Women Movement, for a deeply transformative conversation about the real root of money blocks — and why healing them requires going into the body, not just the mind. Danielle grew up in a household where the constant message was there's not enough. But what she internalized wasn't a belief about money. It was a belief about herself. I'm not enough. That distinction — and the somatic work she found to heal it — took her from a terrifying bottoming out of homelessness as a single mom to her first $154,000 year and a thriving multi-six-figure business. In this episode, Danielle breaks down what somatic work actually is, why wealth is a state the body has to learn to hold, and what it really means to receive — not as a reward for doing and giving, but as a birthright. She also shares her powerful reframe on why mothering is actually masculine energy, and what it looks like to create from overflow instead of survival. If you've done all the mindset work and wondered why it still isn't working, this episode will change how you approach everything. Chapters * 00:00 — Empowering women through wealth and identity * 06:08 — Breaking barriers: from scarcity to abundance * 11:49 — Shifting from doing to receiving * 18:01 — Creating a life of overflow and abundance In This Episode, You'll Learn: * Why hearing "there's not enough" can become "I'm not enough" — and how that shows up in your business * What somatic work actually is and why it works from the body up, not the mind down * Why wealth is a state — and why you can't hold it if your body is still in survival mode * How Danielle went from homelessness as a single mom to her first $154,000 year * Why receiving is a birthright, not something you earn through giving * How mothering is actually masculine energy — and what that means for women in business * Why healing and creating must happen simultaneously — not one before the other * How to make business decisions from your future self, not your current self Guest Free Gift If you've ever felt disconnected from your body, your money, or your sense of enough, Danielle Marggraf's Three Minute Somatic Money Reset is a powerful place to start. This short audio practice is designed to help you reconnect to your body wisdom, shift out of survival energy, and come back to the truth that money is flow, money is connection, and money is yours to receive. Use it every morning or any time during the day you feel called to reset. With consistent practice, it can begin to rewire neural pathways from lack to abundance. 🔗 Find Danielle and her free gift at: daniellemarggraf.com Connect with Danielle Marggraf Website: https://www.daniellemarggraf.com/ [https://www.daniellemarggraf.com/] Instagram: https://www.instagram.com/daniellemarggraf/ [https://www.instagram.com/daniellemarggraf/] LinkedIn: https://www.linkedin.com/in/danielle-marggraf-3a809b46/ [https://www.linkedin.com/in/danielle-marggraf-3a809b46/] Facebook: https://www.facebook.com/p/Danielle-Marggraf-100014224686034/ [https://www.facebook.com/p/Danielle-Marggraf-100014224686034/] ABOUT THE HOST Audrey Faust, MBA, is known as The Manifesting CFO. For more than two decades she has worked with multi-six and seven-figure businesses, helping entrepreneurs understand their financials, strengthen profitability, and build long-term wealth. Through her work, Audrey has witnessed the identity shifts and leadership evolution that occur as businesses scale—and the powerful role that money mindset plays in sustainable success. SUBSCRIBE & FOLLOW If you enjoyed this episode, consider leaving a review or sharing it with another woman entrepreneur who would benefit from these conversations. And until next time… Keep manifesting, managing, and multiplying your money. If you’re ready to go deeper, I’ve got some powerful ways to support you. Join me inside my world: 🌐 Website: https://www.audreyfaustconsulting.com/ [https://www.audreyfaustconsulting.com/] 📸 Instagram: https://www.instagram.com/manifesting_cfo/ [https:// https://www.instagram.com/manifesting_cfo/] 💼 LinkedIn: https://www.linkedin.com/in/audreyfaust/ [https://www.linkedin.com/in/audreyfaust/] 🎥 YouTube: https://www.youtube.com/@TheManifestingCFO [https://www.youtube.com/@TheManifestingCFO]

She Was Making $17K a Year When Her World Fell Apart — Here's How She Built a Multi-Six-Figure Business From the Rubble

What does it take to rebuild your life — and your finances — after losing everything? In this episode of Manifest, Manage & Multiply Money, Audrey Faust sits down with Donna Jean Kendrick, founder of Sefton Financial and a multi-six-figure financial advisor who specializes in helping families in widowhood, divorce, and life transition. Donna's story is one of the most powerful on this podcast — from making $17,000 a year as a newly widowed sole parent to building a thriving, mission-driven financial planning practice in under a decade. Donna shares what the early years really looked like — the oodles of noodles nights, the $6 box hair dye, and the financial roadmap that gave her permission to breathe. She opens up about the identity shifts required to go from helicopter mom to CEO, the money blocks she had to clear as a blue-collar girl from Philadelphia, and why she followed her gut and hung her own shingle in the middle of a pandemic. She also shares her powerful redefinition of GRIT — and why the lesson is always in the pivot. This conversation is raw, real, and deeply aligned with the mission of this podcast — normalizing wealth, resilience, and the identity evolution that happens when women choose mission over fear. Chapters 00:00 — Introduction to Donna Jean Kendrick 05:06 — From widowhood to financial empowerment: the $17K story 09:54 — Building a multi-six-figure business from the ground up 15:00 — Identity shifts, mindset work, and getting out of your own way 20:01 — What money and success really look like at this level 25:04 — Launching Sefton Financial in a pandemic and following your gut 30:08 — Final thoughts: just jump In This Episode, You'll Learn: * Why having a financial roadmap during crisis is as much emotional as it is practical * How Donna cleared her money blocks as a blue-collar girl from Philadelphia * What GRIT really stands for — Gratitude, Resiliency, Integrity, and Tenacity * Why she chose mission over job or career — and how that decision changed everything * How she paced her business growth around Social Security benefits and survival thresholds * Why hanging her shingle in a pandemic was the best decision she ever made * How success doesn't change the core of who you are — unless you let it Guest Free Gift If you want to make sure your family is protected no matter what life throws at you, Donna Jean Kendrick's Personal Document Locator is the place to start. This downloadable PDF helps families organize all of their critical financial and personal information in one place — from estate documents and beneficiary designations to advisor contacts and asset locations — so that your loved ones always know exactly where to find what they need. It's one of the most practical gifts you can give the people you love. Find it at https://sephtonfinancial.com/webinar/ [https://sephtonfinancial.com/webinar/] Connect with Donna Jean Kendrick Website: www.donnajeankendrick.com [http://www.donnajeankendrick.com/] and www.sephtonfinancial.com [http://www.sephtonfinancial.com/] Facebook: https://www.facebook.com/DonnaJeanKendrick/ [https://www.facebook.com/DonnaJeanKendrick/] Instagram: https://www.instagram.com/donnajeankendrick/ [https://www.instagram.com/donnajeankendrick/] LinkedIn: https://www.linkedin.com/in/donna-kendrick/ [https://www.linkedin.com/in/donna-kendrick/] Tik Tok: https://www.tiktok.com/@DonnaJeanKendrick [https://www.tiktok.com/@DonnaJeanKendrick] Youtube: https://www.youtube.com/@donnajeankendrick [https://www.youtube.com/@donnajeankendrick] ABOUT THE HOST Audrey Faust, MBA, is known as The Manifesting CFO. For more than two decades she has worked with multi-six and seven-figure businesses, helping entrepreneurs understand their financials, strengthen profitability, and build long-term wealth. Through her work, Audrey has witnessed the identity shifts and leadership evolution that occur as businesses scale—and the powerful role that money mindset plays in sustainable success. SUBSCRIBE & FOLLOW If you enjoyed this episode, consider leaving a review or sharing it with another woman entrepreneur who would benefit from these conversations. And until next time… Keep manifesting, managing, and multiplying your money. If you’re ready to go deeper, I’ve got some powerful ways to support you. Join me inside my world: 🌐 Website: https://www.audreyfaustconsulting.com/ [https://www.audreyfaustconsulting.com/] 📸 Instagram: https://www.instagram.com/manifesting_cfo/ [https:// https://www.instagram.com/manifesting_cfo/] 💼 LinkedIn: https://www.linkedin.com/in/audreyfaust/ [https://www.linkedin.com/in/audreyfaust/] 🎥 YouTube: https://www.youtube.com/@TheManifestingCFO [https://www.youtube.com/@TheManifestingCFO]