Upcoming Event!How Can Mindfulness Help You Reach Financial Independence?Do you want to reduce money anxiety, but don’t know who to trust?Would you like to learn how to set up and manage your own retirement plan?Do you want to know how we create a passive income stream you can’t outlive?If yes, join us and learn how to answer the 4 critical financial independence questions:Am I on track for financial independence?What do I need to do to get on track?How do I design a mindful investing portfolio?How do I manage that portfolio and my income over time through changing markets?Learn more: https://courses.mindful.money/financial-independence-bootcampNikki Gajoo-Frielinghaus is a Certified Financial Planner (CFP), certified life coach, certified money coach, certified business archetype coach, and an NLP practitioner. Nikki is also the founder of Opulentus Wealth Management, an advisory practice based in South Africa, and Imali Coaching, where she assists individuals, business owners, and couples to transform their relationship with money. Today, Nikki joins the show to discuss self-growth and personal development, the decision to shift from CFP to coaching, and what inspired her to make this leap.? Watch on YouTubehttps://youtu.be/2Rx13AqrErAKey Takeaways00:52 – Jonathan reads another five-star review from a recent guest of the podcast02:04 – Jonathan introduces today’s guest, Nikki Gajoo-Frielinghaus, who joins the show to open up about the loss of her father and financial lessons that came out of that experience13:08 – The shifting dynamic of finances in the lives of couples21:34 – Differences between CFPs and CMCs in South Africa and America30:35 – Nikki’s career progression35:33 – What inspired Nikki to launch Opulentus Wealth Management45:34 – How Nikki differentiates coaching clients from financial planning clients52:02 – One piece of financial advice to heed and one thing to completely ignore57:23 – One thing Nikki would like her clients to know about her and the one question she would want to know the answer to1:00:36 – Jonathan thanks Nikki for joining the show today and lets listeners know where to connect with herTweetable Quotes“I’d say, for me, a turning point in terms of finances was at that point in time - after the age of fourteen - because then I sort of got a reality check. My mom did whatever she could to provide for us, but instead of getting five Christmas presents, we were only getting two. So, that shift in terms of our financial situation became very apparent when my dad had passed on.” (06:31) (Nikki)“At that young age in my teens, I was very clear no matter where life took me, what was going to become very important for me in my lifetime would be financial independence. And not only financial independence, but just independence in general.” (11:21) (Nikki)“I think it would definitely be linked to legislation, definitely from a tax perspective. So I think that’s the big thing because we’re both CFPs. I’m part of the Financial Planning Institute of Southern Africa. That’s my geographic location, and I guess yours would be the USA. So, I’d say the biggest thing would be legislation linked to tax laws.” (21:54) (Nikki)“I’d say, for me, it was more looking internally, introspecting, and realizing that there was so much more that I needed in order to advise clients, specifically clients who had larger sums of money. And that is what led me to the CFP qualification.” (34:21) (Nikki)“I’m...