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Unlocking Financial Confidence: Women, Wealth, And Wisdom With Lisa Sakai

No Woman Left Behind | Lisa Sakai | Financial Confidence


Feeling stuck in a budget rut and dreaming of a life beyond the 9-to-5? This episode’s for you! We’re ditching the restrictive money diets (hello, financial freedom!) and chatting with Lisa Sakai, a financial consultant who spills the tea on how to unlock your financial confidence and start living your bucket list life, today. Forget about traditional budgets – Lisa reveals why they don’t work and offers practical strategies for managing your money effectively. Learn how to finally ditch the paycheck-to-paycheck cycle! Whether you’re younger or over 40, Lisa’s advice will empower you to take control of your financial future. Tune in for actionable tips, like reading financial articles to boost your money know-how, and discover why trying things out before retirement might be a game-changer.

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Unlocking Financial Confidence: Women, Wealth, And Wisdom With Lisa Sakai

This episode is going to be focused on unlocking your financial confidence. I invited Lisa Sakai, who is a financial consultant, who works with her clients on Bucket List Acceleration and getting to live the life they want now. As Cofounder of One Vision Retirement, she has been working with clients across the country for over 12 years. Now, there are two things that I specifically asked Lisa to address in this episode.


One, what is up with budgets these days? Two, how do we apply her Bucket List Acceleration so that we are able to enjoy life now and not just save for retirement the day after? Lisa provides us with a ton of tips and tricks to get to that financial confidence. The word confidence seems to be the theme of the year for all of us women, not only to gain confidence in our careers but also to gain confidence in our financial lives as well. Stay tuned for my conversation with Lisa.


If you are reading this, there’s a good chance that you’re a woman in the corporate world who feels stuck in your career and you’re not sure how to advance. If that’s the case, I want to let you know that I have an incredible resource that can help you. I created a Promotion Readiness Checklist with you in mind. The checklist can help you pinpoint exactly what you need to work on to advance in your career. The best part is it’s completely free and it only takes three minutes to complete. I have helped countless women like you achieve their career goals, and I know exactly what it takes to succeed in the corporate world. My Promotion Readiness Checklist is a perfect tool to help you get started on your path to success. You will find the link on the episode website, or you can go to to take the quiz.

Lisa, thank you so much for joining me in this episode. I am so excited to have this conversation. I know that you are a financial planner. I’m going to start right off the bat. You had mentioned to me when we did our intro conversation that budgets don’t work. Let’s start there, Lisa.


Budgets Don’t Work

I’ve been on this rant for a little bit. Essentially, the reason they don’t work is there’s a couple of reasons, but the biggest one is the mental block that we put up with budgets. Budgets are constricting in very many respects. It’s about limiting who we are and what we spend. It’s about looking at all of our bad habits. There’s a lot of negative connotations with budgets.


The reason that they don’t work is mentally, we don’t want to do a budget. We want to feel easy and free, and it’s my money, and I don’t want to feel suffocated by it. In some respects, I feel like budgets have made a negative connotation on money and planning and that kind of thing. I was on one of the Facebook groups that were talking about money, and it was part of the FIRE movement, which is Financial Independence Retire Early movement.


This lady posted her written-out budget. I was interested, of course, because I do this for a living. I was looking at it. She had some items I was like, “Is this aspirational or is this what you are going to do?” She has a family of four. She said she had two teenage boys, and eating out was only going to be $100 a month. Now, McDonald’s for once would probably be $100 with two teenage boys. I don’t have kids, but I would’ve imagined that they were very expensive.


In terms of eating and all that stuff for boys, when I look at something like that, I go, “Is this actually what’s happening, or is this aspirational?” I get the feeling it’s aspirational, which is wonderful, but that just proves that your budget isn’t very good. It’s not her fault. This is what we’re taught. My suggestion is instead of doing a budget where you write everything down, you have to do certain things that are legitimate, like your utilities and stuff. You can’t be aspirational with that stuff.


We think, “I’ve got to fit it in $5,000 a month. Therefore, that only leaves me $200 anything outside of my need.” That’s not going to happen. It’s just not. Instead of doing a budget, I suggest just taking a moment and looking at your accounts. Look at your bank account. Look at your credit cards and see what you’re spending your money on. Observe how much are you spending. Are there certain days you spend more than other days?


You can track your emotional spending. I do this, too. I’m not perfect. There are days that I spend more because I’m emotional. Instead of going to eat something, I do that instead. There are things that you can track, and you can start to see patterns in your own spending and curb them that way. That I think, is a much more useful tool.


Take ten minutes a week to do it, and you’re going to see some good results. Whereas I feel like budgets, you write them down, they go in a drawer, and you say, “I’m going to do it.” Your spreadsheet just sits there for a while. Your list is in the drawer and needs to be dusted off in two years, whatever it is. It’s not motivating enough. There’s no action to it. There’s an action of making it, but there’s no action step afterward of how to implement it.


It’s basically you’re on a money diet. We all know that diets don’t work, or they might work for a period of time and afterward, you’re like, “Screw it. I’m tired of counting points.” I like how you said to recognize your emotions because that is going to be an impact. Especially, for example, to me, it’s rainy out there.


Instead of cooking, I’m like, “I’d rather go eat something.” I was at a doctor’s office a couple of days ago. It was late, so I knew I was going to have to pick up something for me to eat. My husband had already eaten. I stopped by a restaurant called The Patio. It was just a chicken breast with vegetables and waffle fries, rice pilaf. It was $30. I was like, “Holy, camoly.”


They charged me extra for the sweet potato fries. The rice pilaf was a side, but the sweet potato fries were an upcharge of $3.50. The rice was $2.50. I was like, “How did I go from a plate of $12 to $25 or something like that?” I was like, “Oh, my gosh.” I do feel that $100 for a family of four adults or teenagers is very unrealistic because even my husband and I have said, “We used to be able to go out for breakfast for $30, $35, and now it’s $50.” Same breakfast.


We haven’t changed anything. Obviously, with the pandemic and everything, times have changed. I like your alternative about looking at your spending like a credit card, statements, things like that, and trying to be more realistic. Now, I know for us older people, we are used to reconciling our checkbooks. I will admit I don’t do that anymore because it’s not as necessary. People who are starting out in their careers, how are they managing their money? Or how are they not managing their money is probably a better question.

This Generation’s Money Management Problems

I think probably the majority of them don’t manage it, which I can’t say is surprising. Most of us turn to our kids or turn to the kids in our lives. We go, “You should start early.” We’ve all had this talk. I wish I had started my 401(k) early and all this stuff. Whether they do it or not, most of them don’t probably. I would say there are some good tools.


There are things like or You Need a Budget, which I know I just said don’t use budgets, but it helps at least understand where you’re spending your money on. I think also the biggest thing is I do have some younger clients. I have a client that’s 24 right now. He started with me when he was very young. He is funny, they have a goal. Nobody’s asked them what they want.


I think that if they have a conversation about what is it that they want, do they want to buy a home? Do they want to go on vacation? Do they want to just have tons of spending cash to be able to hang out with friends? Whatever that is, that’s what they should be saving towards. It’s not that I think that you shouldn’t save for retirement when you’re 24.


However, I think you do have some time to make up as long as you start in the 30-ish area. I think the problem that we have mostly with the younger people is that they aren’t saving at all. They’re starting to get into credit card debt on top of student loans or other debt that they have that they don’t quite understand how it works. Essentially, when that happens, now we’re in debt, trying to get out of debt in our 30s, or in our late 20s.

No Woman Left Behind | Lisa Sakai | Financial Confidence
Financial Confidence: The problem that we have mostly with younger people is that they aren’t saving at all, so they’re starting to get into credit card debt on top of student loans or other debt.


Instead of saying, “I had a great time, now it’s time to start saving.” They already have that saving muscle already ready to go. They just change it from partying with friends, and saving money to now it goes to a brokerage account or Roth, whatever it is that they can do. I think that that would be a good way for them to transition. I don’t think that there’s much difference with the younger generation in terms of that they want to save more than other people.


I did read an interesting study, and I cannot remember which company it was, and I will get that to you in the article. They did a whole study on the Z generation, which is at younger generation starting. A lot of them have a very poor view of what they think they can do in the future. They don’t think they can save money. They don’t think they’ll ever be able to retire. They don’t think they’ll be able to buy a house.


It’s sad that they don’t have these big aspirational goals. I can see that a little bit. They said that and social media is part of that, because they see people living these big lifestyles, and they go, “There’s no way that I’m going to be that.” They don’t see that in everyday life. The amount of work that those people had to do, maybe that trip was free for some reason.


There are just different things that they’re not seeing. They’re taking social media as like, this is what life is going to look like and I’m not going to make that, which is interesting. I also read an article, I think it was Wall Street Journal that just talked about how the younger generation decided not to go to college, that they’re going to trade schools, which I think is interesting because it just shows their shift of money.


Many of us in the X and Millennial generation thought we had to get a degree, and college for our college degree. I love that they are being independent thinkers and going, “I don’t want to give $250,000 for a degree that’s useless.” I would rather pay X amount and have a trade that I can utilize, which I think is great. It’s going to be interesting to see this generation grow.


I love that. I’ve seen the same thing with weddings. I’ve seen some TikToks. My son, he’s engaged to be married in September. He and his fiancé are having a very small wedding. It’s a very nice venue in Vegas. It’s just like 40 to 50 people. My future daughter-in-law, she’s like, “I don’t want a bridal shower. I don’t want the rehearsal dinner. I don’t want the bridesmaids.” She gave them a collar and they could pick out their own dress.


She’s being very practical and so realistic with everything. She’s like, “I just want to marry Bobby.” I think it’s so amazing that they’re able to bring all of the expenses down because I’ve known people who spend $30,000 to $40,000 on a wedding. At the end of the day, you’re married regardless, and you now have all this money, or your parents have to pay all this money. Would you rather have a $30,000 or $40,000 wedding or a house with a $30,000 or $40,000 down payment? I’ve seen TikTok’s on that as well.


It’s funny. I was just having a conversation. We were changing banks. I have to sit there forever with somebody. Luckily, our lady was nice. She said that she had a friend who had done a $100,000 wedding or something like that. The marriage lasted two years and she had all of this debt to pay. It was not joint debt. It was her debt because she wanted it. It’s crazy. She’s doing the right thing. Your future daughter-in-law is doing great.


Women And Their Finances

That is so interesting. I know that you had mentioned previously that your clients primarily are people in their 40s, 50s, not ready for retirement. The women that are primarily your clients, do they have a good handle on managing their money, their finances, and their investments over the younger generations?


It’s a double answer. Yes, they do. They have a better handle on that, but they don’t think that they have a better handle on it. There’s a mental capacity that happens with the emotional side of it, where a lot of the women have done lots of good things. I would say probably nine out of ten that come to me say, “I’m a financial mess. I have no idea what’s going on. I haven’t done anything right. Everything’s all over the place.” It’s horrible.


Realistically, they’ve done a lot of good things. They’ve saved to their 401(k). They’ve maybe done a Roth. They’re like, “I just did that because my dad told me.” You did something, that’s great. It’s funny. We tend to think that we’re not doing a very good job with our finances when we’re doing just as well as our husbands are maybe better in some respects or men in the generation, but we tend to think that we don’t know what we’re doing when it comes to this stuff.


I think it’s because women don’t talk about money very much. I unfortunately see that same thing happening with the younger generation. It’s not in our culture to talk about money. We talk about money in a strange way in some respects. I was at a conference. This conference, for some reason, this moment stood out to me because I go to conferences. I’m a business owner.


We’ve all gone to these conferences where you sit there and they say, “Who wants to make money? Who wants to be a millionaire in three years?” Everybody stands up and goes, “Yeah, that would be great. Wonderful.” At the same time, it was funny. I was sitting there, and something occurred to me. This was not derogatory to anybody in there, but something occurred to me saying, “What would you guys do with that money? Do you know how you would handle it? Do you know what you want to do with that? Would you just reinvest it in your business, which is okay? Would you have a plan, a strategy, or anything with this money?” It’s funny because I don’t think any of them did. We all want to make a lot of money because we feel like that would show us that we’re successful. I’ve seen very successful business owners, multimillion-dollar companies who are just so afraid of their money, so afraid of their books.


We have people out there who will tell them, “Do you just hire somebody for the money? You don’t need to worry about that.” That just sinks in even deeper that you don’t know what you’re doing. Therefore, you have to get somebody else to do it, which they do, and I disagree. I think money is the pulse of your business. If you don’t know what’s happening with it, that’s how people get taken advantage of, unfortunately.

'The money is the pulse in your business. If you don't know what's happening with it, you get taken advantage of.' – Lisa Sakai Click To Tweet

A perfect example is just that common famous person, Britney Spears. Britney Spears is the perfect example where her family took over her entire earnings and she couldn’t buy gum. She couldn’t buy anything. I was listening to her book. I empower women. When I saw the book, I was like, “Gosh.” I wonder how she got to where she got to. How did she allow this to happen? It wasn’t her allowing it.


They just started taking from her and then they had her on a diet. She couldn’t buy any clothes. She couldn’t buy any food. It’s just like, “Oh, my goodness gracious.” I just cannot imagine doing that to a family member. I digress. Back to you were talking about having more money and not necessarily knowing the strategy.


My husband and I were just on a walk a while back. I think the lotto was $80 million or something like that. He’s like, “Wouldn’t it be great to $80 million?” I was like, “If we won $80 million right now, how would our lives change? We’re not flashy people. We don’t own all the name-brand stuff or the cars.” My car is 10 years old. It’s not like I would get $8 or say $40 million after taxes and everything and be like, “My life is going to be so much better.”


I could make it better for family members and friends and charities and stuff, but my own personal life would not change from my day-to-day. I think that was a great observation on your part because, “Who wants to make a million dollars?” How’s your life going to change? What are you going to do with the money? What’s the strategy? I think that’s brilliant.


I honestly think just to completely answer your question, I think the younger generation of women I’m hoping start to have more of a plan. The younger women that I’ve talked to do seem to have more of a plan for their life, where they want to go, and what direction they want to go in than millennials and even women in the X generation like mine.


They didn’t have a plan necessarily, which I think younger women do have more of a plan. Maybe that means that they have more of a plan with their money. I think it’s an overall change that needs to happen with women in general of having more conversations about money and not being so fearful that people are going to judge you based on the things you don’t know that nobody taught you.

No Woman Left Behind | Lisa Sakai | Financial Confidence
Financial Confidence: An overall change that needs to happen with women in general is to have more conversations about money and not be so fearful that people are going to judge you based on the things you don’t know that nobody taught you.


Also, not being afraid of not following the trends, not having a purse or the car or the house or whatever, because I think that’s when people get in trouble. There’s a very prominent neighborhood close by us. Sometimes, you walk by, and the front rooms are completely empty. They have this huge house. One of my sisters calls them house-poor. They have the house, but then they have no cash, no money, older cars, things like that.


I always think it’s interesting how things are. I do think the younger generation, both in their careers, know what they want. They know what they don’t want, which is companies that don’t have integrity and have some social contribution plan, something like that. I like the fact that you said that you’re noticing that some younger women have a good plan. That’s fantastic.


Bucket List Planning Process

Now, you also have a bucket list planning process. Walk us through your process because as you said earlier, this type of conversation is so that we bring awareness to women in general. My purpose today is how can we leverage those younger women to become aware of how to manage their money and things like that. You have a bucket list planning process.


Hopefully, the younger generation is better at this. I know for my generation, it’s not good. Even the millennials are having a hard time with this, which is why we sit down. What I notice on a typical retirement planning discussion is I say, “What do you want to have happen?” Everybody would name the exact same things. I want to retire. I want to travel. I want to spend time with friends and family.


I want to not run out of money. I want to-do lists like little, tiny hobbies. I want to be able to paint more or something. I’m like, “Okay, that’s fine.” There was no detail to anything. I remember I just started pushing a little bit, I started asking more questions. I’m like, “Where are we going for your first vacation in retirement?” There’s no answer because they hadn’t thought of it. They just thought about traveling. That’s what you’re supposed to do in retirement is travel, or you’re supposed to do this, or you’re supposed to do that.


They just hadn’t even thought about where’s their first place that they’re going to go. Some would say, “I want to go to Italy.” I’m like, “Great. Where are we going in Italy?” “I want to go here and here.” Okay, great. I said, “Where are we going after that? You said you want to travel, where else are we going?” They’d get stuck on that one. They’re like, “Huh?” I said, “Just other places, obviously you said travel a lot. Where are we going?”


It’s funny because I feel like when we hit retirement, we think life begins. People are funny because retirement is such a weird word. It’s, “I want to retire tomorrow.” I get that joke all the time. When do you want to retire? Tomorrow. I have to laugh at it, but that’s okay. I get the people who are like, “I am never retiring because my brother’s friend’s cousin died two weeks after he retired, and he waited his whole life.”


There’s always a story. I’m never retiring. I don’t ever want to get old. I understand that part too because I don’t think I’m ever going to. I don’t know if I’m ever going to officially retire. I know I’m going to slow down and not do as much as I do, but I get it because they want to stay active. At the same time, I think we need to replace retirement with financial independence or financial freedom.


When we get to financial independence where then that’s at 50 or 65 or 70 or whatever time that is, what do we want to be as people? The problem is that we’re so worried about getting there, that we don’t explore who we are and what we want in life. I’ve had so many people think that they want to retire and travel all over the world and five years in, they’re like, “I don’t want to do any of that. I know I told you I wanted to travel, but I don’t want to go to Europe anymore. I never have gone. I don’t have an interest. I want to take an RV and go across the country.” “Great.” I’m not saying that people can’t change their minds, but they’ve never explored anything while they were working in order to figure out who they are in their financial freedom time.


Bucket list planning is twofold. It’s to get people to explore and do some stuff before they retire. That story of the guy who died two weeks after he retired is horrendous. It’s still sad he passed away early, but it wouldn’t be the same tragedy because he didn’t wait his entire life to retire. The other thing is that you get to feel what would retirement feel like.


What would I be doing? I was on a different Podcast and the lady was saying that his friend had talked about fly fishing for five years, and then he retired and finally, he bought all the stuff too, which I think is hysterical. He bought everything and he went fly fishing, and he came back and he said, “It was so boring. Why would I want to do that? I’m so bored the entire time.” She’s like, “Why did you buy everything? Why didn’t you go once before?” It’s funny because we all know somebody who’s done that.


Essentially, bucket list planning is to get you out there doing some stuff before retirement. Retirement is not this big thing at the end of your life. It’s supposed to happen throughout it. I find that women in general tend to put everybody in front of us. Everybody else’s vacations. You have to go visit mom and dad. That’s my vacation this year, all this stuff. Not that you don’t want to visit mom and dad, but that’s not a vacation that’s for your family. We never do anything for us that we want to do.


We keep pushing it off and pushing it off. I have clients who do this. I have friends who do this. They’re like, “I’m going to go to France someday.” It’s been five years, when are we going to do this? Bucket list planning is to have some goal like going into France, let’s say, and we’re going to put a debt time on it. We’re going to say, “In June of 2026, I’m going to France.” You figure out the cost and we back into it and we go, “Okay, this is how much I need to save.”


Maybe you can’t get to that point right away, but we start to figure it out and maybe we have to push it out a little bit. Maybe it’s not 2026, maybe it’s 2028, but it’s okay. We have a deadline. We have an amount that we’re going to be saving and we have a strategy on how to save it. People are funny because if we put this stuff in and you start saving towards something, the chances of it happening are much higher. You are going to have a much more fulfilled life.


You are going to understand how to control your money better than you did before because you are not just throwing it on a credit card and figuring out how to pay for it later. You’re figuring out, do you like international travel? Do you want to go back to retirement? You’re figuring out who you are outside of work, outside of your family, outside of those obligations that you have. There’s just a lot of layers that happen. It’s funny, I was on a call this morning with a client and they were like, they’d changed their mind about what their bucket list items are.


I’m like, “That’s fine. Let’s do that instead.” They looked at me and I said, “It’s not about the thing at the end, it’s about the money that you have available to do what you want with it.” My husband has a Corvette fund. I put quotes because I don’t think he’ll ever buy a Corvette. We have this discussion all the time and he’s like, “I don’t know if I’m going to buy the Corvette.” I’m like, “It’s okay. We have the money. It goes to something else, it goes to a different vehicle if we want to do that, or it goes into our retirement. It’s fine.” Nobody’s ever complained about having too much money saved. That’s the whole idea for bucket list planning.

No Woman Left Behind | Lisa Sakai | Financial Confidence
Financial Confidence: It’s not about the thing at the end. It’s about the money that you have available to do what you want with it.


I love the bucket list planning. A couple of things come to mind. First of all, I think it’s so funny about older men trying to buy Corvettes because the Corvettes are low to the ground. It’s difficult to get in and out of the car even for me. How can a grown older man in their 60s or 70s be able to climb in and out of his car?


I have no idea. That’s why we were going to buy it earlier. Now he’s like, “I don’t think I want to buy it. I’m not sure if I want it.” I’m like, “That’s okay. It’s fine.”


That’s funny. The other big thing is you’re almost having your clients put their dreams on paper and be intentional about what it is that you’re trying to do. My husband is 61 and a lot of his friends are passing away already and it’s just so sad. I think he is aware of life and mortality. We’re trying to focus on let’s just enjoy what we have and what we are now because you never know. I’ve also heard of retirement as your third-third because people are getting tired of the leisure time where they have no purpose. Have you had conversations with your clients about that?


I haven’t had conversations. I’ve seen it a little bit. There are two extremes that happen at the beginning of retirement, either you’ve got people who are just petrified of spending any money, because now their income streams are turned off. You’re not working anymore therefore, you just are petrified to spend any money. I have people like that. I have, “Do I have to take some money out? The government’s going to make you take it out pretty soon.”


You start taking some money out. You’ve got people who go crazy. We say, “You can pull $4,000 a month from your accounts, and they’re pulling $8,000.” I’m like, “Okay, see? The plan just went away. You can’t do that.” They just want to enjoy their lives. I get both, there is a medium that can happen. I have a couple of clients who’ve hit this medium.


I feel like we have a saying in our industry and maybe this saying in other places, but I’ve heard it here which is they say, “The most expensive day of the week is Saturday. In retirement, every day is Saturday.” That’s what happens. Essentially, I think that they end up evening themselves out hopefully, but it can go. It’s never as planned. Let’s just put it that way. I do the planning. I’m a planner.


I like planning with people but I always tell people, “It’s never going to look like how it looks on paper.” It’s just not. You have to learn those habits before you retire to know how your money works. That’s why I think going way back to the budgeting thing if you understand what you’re spending your money on, then you are going to be way ahead of other people in retirement when you’re spending down your life or your savings that you’ve spent your life building.

'If you understand what you're spending your money on, then you are going to be way ahead of other people in your time.' – Lisa Sakai Click To Tweet

Now, a little bit different topic. We are in a time where I have my parents who are 83 and 84 and then I have my kids who are 23 and 25. It seems that helping both, it’s like, my kids are still not 100%. They’re adults, although I still help them with little things here and there. My parents are aging rapidly and health issues and things like that. My siblings and I have to contribute there. How do you see people being able to balance life with those two extremes? I’m not the only one that has this situation.


No, the sandwich generation is huge. We’ve been talking about it for long. I remember being in middle school and hearing teachers talking about being sandwiched in the sandwich generation. It’s difficult. It’s very hard to figure that out. I think the biggest thing is that it’s an interesting thing that happens because your kids are a little older, but sometimes the kids are still very dependent.


They’re also pulling away from you because they’re trying to get to being an adult a little bit, which is hard for people. The biggest thing is that you just have to make sure that you’re taking time for yourself. I think the bucket list stuff can help with that, even if it’s just once a year getting away for an actual vacation that you want to go on is key to that. I have some people who have done little trips.


They take little breaks away, which are fine, but they’re not enough to fully detach from things because we’re so worried that we’re gone. If you take a week or two away, then you get to fully detach. Honestly, those bigger vacations tend to be less expensive than these little breaks that we do because those can add. Those can be expensive. I think that you have to take your time away. You have to know your boundaries a bit.

'Those bigger vacations tend to actually be less expensive than these little breaks that we do.' – Lisa Sakai Click To Tweet

I don’t have kids, but I do have my parents that are down the street and they’re doing pretty well. My dad turns 81 so at the same age. You just have to have some boundaries. They don’t need help all the time, so I’m not there all the time. I give them a couple of days a week that I can do it. We know at some point it’s going to be a check-in every day, probably. Luckily, there are six homes down, so that works.


We know it’s going to be a little bit more and just being prepared for that. I’m not excited about that, but I’m prepared for that. Also, knowing I do have to take that time for myself. I am going to say something off-topic, but I think is important, which is start having those discussions with them now about what you want. What do we want when we pass? Where are things? Who do you talk to? Instead of saying, “Mom and Dad, who’s your advisor?”


I would say stuff like, “I was just talking to my advisor and we were doing this and that investments. Do you guys have something you talk to? Who do you talk to?” Make it conversational. It’s amazing how much information they want to give you, but they’re very uncomfortable doing that. Most people when they get to those ages are not uncomfortable with their mortality, but they’re uncomfortable about making you uncomfortable about the mortality.


People don’t want to bring it up like, “Hey, you need to get your trust. You’re 80 years old.” Nobody wants to do that. Instead of saying, “We’ve been thinking about getting a trust for ourselves. Have you guys gone through that process?” Just being in a conversation with them makes it so much easier because our parents still love trying to teach us something.


Whether they’re teaching us or not is a different story, but they like trying to impose wisdom still. That’s the way I would handle it because honestly, when parents pass, it is a very stressful time. Talk about how it’s stressful when they’re alive, but when they pass, it is so stressful. If you can get all of that information, so much easier.


One Financial Article A Week

Yes, I agree. I think that’s fantastic advice. Lisa, we are at a time now, but I do want to ask you one last question. You gave us a lot of good information. We talked about many different things, but is there maybe one thing that you think someone could do in their lives right now that will be easier to apply?


It’s funny. I’m going to give you a different answer than I’ve ever given anybody else. I think that honestly, this is going to make the biggest difference for people or for women in particular. Make a choice to read one financial article a week. Go to Yahoo Finance, go to Google, go to whatever, and just start reading one article about some personal finance something. That’s going to make a huge difference because at first, you’re going to be very confused about what they’re talking about and go, “This is horrible. I feel stupid already, and this is making me feel stupid even more.”


Just keep doing it once a week, read something because it will start to make more sense and you will build your confidence up. By building your confidence up and realizing that you know just as much as your spouse or your dad does or something like that. Later on, you will be like, “I can do this.” I think that the thing that holds women back the most when it comes to their finances is their lack of confidence because we just weren’t taught this, and we don’t discuss it with each other.


If you get to that point where you feel like, “Good,” start asking your friends, “Did you read that article about such and such?” Get them to start. Let’s start having more conversations about money. You don’t have to give them personal information. If we can just start building that into the female culture, I think we are going to be so much better off as a whole.


I love it. That’s a brand-new recommendation here. I have not got it before. Thank you so much for giving us all of your wisdom and sharing everything with us. We are here to empower women. In this episode, the topic was obviously about money, but confidence applies to every area of life. Thank you so much, Lisa, for this amazing conversation.


Thank you so much for having me. This was fun.


I’m so grateful that Lisa was able to share so much wisdom about how we can become more financially confident. Not surprisingly, she said that budgets do not work. It’s like being on a permanent diet and nobody wants to be on a permanent diet. If you didn’t listen to that part, go back and listen to that part where she gives us recommendations on how to manage our money.


The second recommendation was a good takeaway, and this might not relate so much to younger people if you’re younger than 40, for example. If you’re 40 and older, she said try things out while you’re working. Before you retire, think you might want to do when you retire. A good example that she gave is a gentleman retired. He thought he was going to love fly fishing, and then he tried it, and he was bored out of his mind, and he had already bought all the equipment.


The one tip for you to be able to implement in your life right away is to go to Yahoo Finance or any financial publication of your choice and read one article a week. In the beginning, the information may not be very clear. As you continue to read the article once a week, you’re going to start picking up the lingo and you’re going to start understanding it more and more, and that will give you more financial confidence. That word confidence, once again, seems to be the theme for 2024. I am so grateful that Lisa was able to impart so much wisdom and knowledge so that we can become more financially confident.

Thank you so much for joining us. I also want to remind you that the Unlock the Leader Within membership is live and out in the world. If you would like to join us, you can go ahead and scan the QR code right here. The Unlock the Leader Within membership was created to help you become a high performer, create your custom career roadmap, and most importantly, to be part of a community where we help and support each other. I know that so often you are stuck at work in a situation that you don’t know what to do. This is a community where you can come and troubleshoot anything that is going on in your professional life, and we can do a think tank together. Check it out. Remember to be brave, be bold, and take action. Until next time.


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About Lisa Sakai

No Woman Left Behind | Lisa Sakai | Financial ConfidenceLisa Sakai is a Financial Consultant who works with clients on Bucket List Acceleration and getting to live the life they want now. As the co-founder of One Vision Retirement, she has been working with clients across the country for over 12 years. Lisa’s advice provides easy to understand, logical steps and exercises that people can take action on right away.