Marcella Mollon Williams

Episode (59) – How to grow your wealth by facing and eliminating financial demons


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Marcella Mollon Williams is a 5th generation business owner in her family. She has a passion for entrepreneurship, educating individuals and helping others to grow a legacy of financial security. She is a Chief Operating Officer of Jewelz of Jordan, the upscale jewelry company founded and owned by her 17-year-old daughter, Gabrielle Jordan.

On today’s show,

Marcella explains how to grow your wealth, and how to uncover and fight your financial demons.

Marcella also covers,

• She has taught her daughter how to contribute to society and encouraged her to build he confidence
• The background of her becoming the 5th generation of entrepreneurs in her family
• Because of the information overload, we often can’t figure out who we should trust and what do we do
• Why financial strategists are like the primary care physicians
• Our spending habits are a direct reflection of our mindset towards money
• How to identify and overcome your money demons
• Her Life Changing Question is: Are you part of the problem or are you part of the solution?
• Why is important to bring in the people into this world that will make it a better place
• It is important to feed your mind with the right information to keep it strong
• If you don’t have the right mindset, you’re going to stay in your pity part
• She will skydive with her daughter for her 18th birthday

Tweets

Marcella Mollon Williams shares her Life Changing Question. You can listen here Click To Tweet Want to grow your wealth? Marcella Mollon Williams has a successful recipe Click To Tweet Do you know how to uncover and eliminate your financial demons? Marcella Mollon Williams explains Click To Tweet

Resources Mentioned in this show:

legacybuildergroup.net

Recommended Reading:

Transcription

 

Welcome to Episode No. 59 of the Life-Changing Questions podcast. On today’s show, we have Marcella Mollon Williams. Marcella is a 5th generation business owner, who has a passion for entrepreneurship, educating individuals and helping others to grow a legacy of financial security that they can pass from one generation to the next. Marcella’s legacy of entrepreneurship is evident in her family. She serves as a Chief Operating Officer of Jewelz of Jordan, which is the upscale jewelry company founded and owned by her 17-year-old daughter, Gabrielle Jordan. Gabrielle gave us a great episode in Episode No. 58 and in today’s show we discover how Marcella, as Gabrielle’s mother, has been able to help her grow and develop her skills in such a way that now at 17, she has a successful business that she is mentoring other youth. In addition, in today’s show, Marcella is also going to explain to us how we can grow our wealth, how we can uncover any financial demons we may have and how we can eliminate those. Without further ado, I am excited to welcome to the show today, Marcella. Marcella, welcome to the show.

If just one question could immediately transform the quality of your life or the results of your business, would you want to know what that question was? Life and business strategist, Kevin Bees, interviews success masters to discover their life-changing questions. Welcome to the Life-Changing Questions podcast.

KEVIN:
So, welcome to the show today, Marcella.

MARCELLA:
Thank you for having me, Kevin.

KEVIN:
Well, you know it’s entirely my privilege and we had on last week’s episode, Episode 58, your wonderful daughter, Gabrielle Jordan, and one of the amazing episodes she created with us.

MARCELLA:
Oh, I am sure, yes, yes. Thank you.

KEVIN:
Now, I have been very excited to speak to you for two reasons. I know you are a very successful entrepreneur and business owner [0:01:44] yourself and of course I was so intrigued to understand a little bit more from you as well around your daughter and the impact that you have had on her, since we have had her on the episode last week and its fresh in people’s mind. I would love it if you could tell us a little bit about how you have been able to assist her and empower her at the age of well, between 9 to create her own business and now at 17, to run both her own TV interviews and her own podcasts. We would love to hear a little bit about your journey as mum in this, like how have you been able to help her in such a way to grow in the way that she has?

MARCELLA:
Thank you for all those kind words. When I am talking to people and I get that question a lot because I am with her and I am travelling with her as she is speaking at these different events, then the number one question is, how did you do it? How did you do [0:02:25] did she do? How did she end up that way? And for me it started early, started from the time that I was pregnant with her. Made it sure that I understood the kind of person I wanted to bring into this world, that that person needed to be a part of, to contribute to society and not to cause harm. So being intentional about the parent that I wanted to be and the child I wanted to raise, it was important to instil in her the understanding that her life is not about her. That this life, this gift that she has been given, is about making a difference to tell others and with that, between my husband and I, we had to take the necessary steps to make sure that we were consistent and showing that message and the various things that we did in our parenting roles from encouraging her, building up her confidence and making her understand who she is from family history, who she is as a person, who she is as a spiritual being, who she is in her purpose. To make sure that she had a sense of independence and that’s very important, especially as a child of business owner, making sure that we understood our roles as giving her just enough independence so that she can make decisions for herself and making sure that she can understand and discard disappointments, so when things didn’t go according to plan that she can learn from failure and as parents we don’t want our children to fail, but unfortunately we keep that from them, a very important lesson. That’s a lesson that we don’t allow them to fail that they will not learn. So and then just making sure that the lines of communication were always open, being able to, kids just need to know that someone is consistently there for them and they have that support structure and that foundation and I think when children have a strong foundation then they can build and grow to no end.

KEVIN:
Sounds like a very strong foundation and so a very powerful piece in there. So for her, particularly to know that she has to contribute and not cause harm and I really heard in there about giving her encouragement to help to build her sense of confidence, so she knows who she is and I get really strongly from her she has a very clear understanding of who she is and where she is going and what level of impact she is going to have.

MARCELLA:
Yes, she is a strong-willed child, ha. That’s a whole another of parenting thing right now, how to deal with strong-willed children, ha, ha. It’s a great thing to have a strong-willed child. It’s a balancing act.

KEVIN:
She’s a strong-willed child and in February, she becomes an adult and then I am not sure she told you, but she is jumping out of an aeroplane on her 18th birthday. So hope you are a [0:05:00] mom!!

MARCELLA:
[0:05:04] ha, ha. We discussed that, ha, ha!

KEVIN:
Ha, ha! Well, wonderful that she can make her own decisions and go and join amazing experience like that. And so I would like to hear as well, I mean, such an inspiration with Gabrielle, I’d love to hear a little bit more about yourself and your back story mentioning there about, you know, the history of the family and you are a 5th generation entrepreneur?

MARCELLA:
Yes, yes. I am. I was really fortunate to grow up in a family of entrepreneurs. And you know when you come across a lot of people and it was starting out in business, and I think one of the issues is that they don’t have the support as I mentioned before, you know, children, the support, but not just children need the support. Adults need support. So I hear so often that people don’t have support of family now. As a matter of fact, they are the dream killers, their families. So I count myself very blessed, very fortunate that I have had, that the language of entrepreneurship is ingrained in our family dynamics. So with that, we have always had support. I grew up in my parents business. They worked together, which was another anomaly that people [0:06:08] how can your parents work together? No, it was normal for me, but apparently it was an issue for a lot of people – spouses working together without fighting constantly. I did not have that. So I grew up with that and my grandparents before that were business owners in Trinidad. I was actually born in Trinidad in Tobago and raised in the United States. So a lot of that history comes from the Caribbean and by the way of Spain, it’s actually Madrid, sorry. So I was able to research my family history and that really helped and my brother and I decided to join together to start our company, Legacy Builder Group, and really worked with individuals to help them develop their financial understanding, but more so financial mindset because there’s so much more to that than is actually talked out there.

KEVIN:
Yeah and tell us a little bit more about, and so what do you do at Legacy Builder Group?

MARCELLA:
Yes, I am a financial strategist, wealth coach and I know what we do is really work with individuals to create a holistic approach to finances and I particularly, we have different roles, but I particularly do a lot of the education, we do it in different workshops. We work with our clients to help them in developing the right mindset. You know, there is a lot of affirmation out there. And there’s a lot of outlets and resources that teach us about making money. And at this day and age, we have little excuse for, you know, ignorance. Everything we need to know is right on our fingertips. However, that could sometimes be more of a hindrance, you know, than something that’s good for us that helps us basically because we are getting information overload. I feel like there is so much coming at us, you are trying to figure out who do you trust and what do you do. And with our clients, we’ve come across that so often that they are paralysed sometimes when it comes to financial decisions. So I often explain it. Imagine, you know, as a wealth coach, imagine if you were to schedule a doctor’s appointment because you are feeling a bit off your game, you know, something’s not feeling right. You experience some type of discomfort. So you go to the appointment and you are sitting in the doctor’s office. You say, ‘Okay, doctor, I am feeling this. Something’s not right. I am here because I need you to check me up.’ And then the doctor simply glances at you. He looks you up and looks you down and then writes the prescription. He says, ‘Well, looks like you need this particular drug.’ What would you think?

KEVIN:
Ahh, doctor, I think you might need to investigate a little bit more. How do you know?

MARCELLA:
Exactly, exactly. I believe that’s one of the problems that goes on with people and their finances. They are not realizing that they are not getting the full exam, so we are listening to information from this person on television and this blog and that information and not realizing that, wait a minute, this person does not know your individual situation. They don’t know how much debt you have. They don’t know how much you have invested. They don’t know about your mortgage. They don’t know about your insurance policy. You have all these individual financial situations going on and you don’t have someone to help you have a clear plan to make sure your long-term plans [0:09:17] to achieve your long-term objectives. So I often say that a wealth coach, a financial strategist, we are like the primary care physician. If primary care physician does not do it all, they are the one that you come to [0:09:30] records that you make your regular checkups with, but sometimes you might need a specialist, here you need that, you have that going on, but they all work together to make sure you are at your best and that your financial health is in check. So that’s what we really help people to understand that it all works together and without a working together, you could find yourself a mess that one simple life change – marriage, divorce, having a new baby, buying a new home, all of those things change your financial situation. And there needs to be clarity with all of that.

KEVIN:
Yeah and such a great message for us to describe this. So there is your physical health and of course this is for your financial health. And you mentioned in there of course, it’s not just about knowing the strategy, I mean, we can go and get many of the strategies online and we may not know who to trust and who has given us the right strategy that’s right for us. You also mentioned in there that it comes down to the psychology piece and the mindsets. I wonder if you could tell us a little bit more about that. What are some of the things from the psychology or mindset point of view that we need to be considering if we are going to build wealth?

MARCELLA:
Yeah, sure. One of the things that I really like to help individuals is with identifying their money datas. When it comes to understanding our view, our money, how we respond to money, our spending habits, that has a lot to do with what we were taught about money or what we were not taught about money. [0:10:53] messages that we received growing up. Our relationship with money is a direct result of our past. And when we think about what we overheard our parents talk about or the environment that we were raised in or how they dealt with money, like I said, what they told us and what they did not tell us, how this has, you know, just as much of an affect as anything else that we deal with today. So helping people to understand that each of us have a money demon that needs to be addressed. And that we bring that into relationships, so we have two people now dealing with different money demons that they are not aware of, can cause a lot of havoc. I mean, we understand that, I am not sure in Australia, but in the United States, our divorce rate is pretty high, you know, and the number one cause of divorce is money. You know, it is lack of communication. I say lack of communication about money is a huge problem. So we are not able to communicate about money because so often individuals were not taught how to communicate about money or it was something that was just taboo or there are other situations that are involved. So that’s one of the first things I believe people need to overcome and understand and address when they are looking at how they relate to money. Our spending habits, everything that we do, when it comes to our finances, is a direct reflection of our mindset towards money.

KEVIN:
And so importantly you identified there that in relationships [0:12:30] impact it has and if we wanted to understand a little bit more then about, you mentioned what we were told, what we weren’t told, and [0:12:36] messages that we picked up, now clearly fast knocking around in our brain, we are living out the patterns of that all the time. We may not actually be aware of those things, you said they were [0:12:47] slipped in there and we have modelled them from our parents and family members or people around us [0:12:52] how do we identify what these messages are and uncover these demons?

MARCELLA:
Well, that is really again the benefit of working with a wealth coach, is helping to ask the right questions and making sure that you are open to, you know, it starts with knowing is half the battle, but understanding is half the battle [0:13:14] desire to want to learn and to move forward with that and many of us are in denial. So as wealth coaches, once we have identified that, okay, this is someone that clearly wants to understand, we must say, grow and improve and they are understanding of wealth then we are able to take the necessary steps to start identifying. We have a series, we have a class that we are actually teaching. Often we have this class online so that people can access it from anywhere including Australia. So we teach this class and for the local, look, it’s sometimes is in person or like I said online, and we are able to just help people go through the class and we have a system that we go through, so that by the end of it, you have it written down what is your money demon and how do you overcome it and how do you take the steps to overcome that and often that’s a free class that we offer, so you know, those who are a part of our mailing list, those who are clients, they always know what we have going on and we provide their education, but you know, kind of go through that step-by-step approach.

KEVIN:
Great. Step-by-step approach and an online class and that’s free. Now, I’m intrigued, I have certainly done quite a bit of work with my coach around wealth and building wealth and understanding my money blue print and so I am still intrigued that I wanna understand what are my money demons. Then maybe there are still money demons not clear right in there, so I would love to come and jump onto your online class and you said you are giving that away for free, so where could I and the listeners do that?

MARCELLA:
Yes, you can go to our website legacybuildergroup.net and right on that website, right on the home page, you can just [0:14:53] put in your information there and when we have an upcoming event, you will automatically be notified and not only that, we also have a free legacy builders guide that we offer for anyone, who is really looking to understand the cause of legacy building, which is more than, you know, we talk about wealth building. Legacy building is a step beyond money. You know, even when we talk about wealth, we know that wealth is not just about money, but when it comes to your legacy, it’s a long term process of what is left for after you are gone, the memories besides the finances, but the conversations that need to be had now in order to secure a legacy. So we have that free legacy builders guide there, so when you sign up, you get your free legacy builders guide and you have access to our workshops.

KEVIN:
Great [0:15:46] thank you so much for providing that resource. I am certainly looking forward to checking that out, so at legacybuildergroup.net. What we would love to hear from you is, the quality of the questions we ask ourselves impact the quality of our life. So what’s the one question that you have asked that’s had the biggest positive impact on your life or may be the life of the people that you serve?

MARCELLA:
I would have to say it’s something that my father, you know, you have those things that your parents always say, like, okay, dad, you know, okay, yes, yes, I know. So, but my dad, he would always state to my brother and I. He would say, ‘Hey, you are either part of the problem or you are part of the solution.’ So, I grew up with that ingrained in me. So, I asked myself when it comes to things that I do, decisions that I need to make, ‘Am I a part of the problem or am I a part of the solution?’ And that’s when it comes to life in general. Am I helping the situation or am I hurting it? So that’s my question. ‘Are you part of the problem or are you part of the solution?’

KEVIN:
And when you have asked yourself that question, how’s that had an impact on your life? And what action do you take?

MARCELLA:
Oh, my, I mean, it’s huge. Honestly, what you have seen with Gabrielle, my daughter, that is a part of that question, and that’s probably really large because when I decided, of course, when I had children and I mentioned that in the beginning, I needed to make sure, am I being a part of the problem or the solution. Am I bringing in people into this world that will be a resource, that will make this world a better place or am I gonna raise bratty kids that people are going to be annoyed by and are going to pollute and they are gonna be terrible co-workers and they are gonna be a part of the problem – that was something that [0:17:36] in my mind when it came to being a parent and it was important for me to raise people because I know who’s important for me, to be a part of the solution, when it comes to the financially of what I do professionally, that for me is being a part of the solution, when it comes to the things I eat, the way I shop, it is important for me to be a part of the solution. So that question has been ingrained and been a part of every aspect of my life.

KEVIN:
Hmm.. very powerful. So am I part of the problem or am I part of the solution? So am I helping the situation or actually am I causing harm or hindering things in situation. Really love that question. I think it’s great for us to reflect on because I know many a time we can certainly find ourselves in a situation where actually it’s probably better to get out of it rather than keep trying to add to the problem. So what we would also love to hear from you is then a little bit about your habits and rituals, I mean, as a 5th generation entrepreneur and you know, in having brought Gabrielle in a way so that she is now having a major impact on the world and on the global scale, I would love to hear a little bit about the habits and rituals that you have that has allowed you to create this kind of success?

MARCELLA:
Well, as you can probably tell, you know, mindset is a huge part of my life [0:18:53] developing the right mindset, so I would have to say, you know, I love feeding my mind with the necessary food to strengthen it, right? So I would say in particular, when it comes to habits, something that is a ritual for me is to make sure that I am putting in the right information when it comes from podcasts, like yours, to, you know, TED talks, to talk radios, interviews. I love biographies. I mean, I love hearing about people stories and what they’ve overcome. All of those things help to strengthen me in my mental ability, my emotional intelligence, all of the areas that I feel I need to be able to overcome the challenges in life, overcome the challenges in my business, overcome the challenges that hits you there or are going to hit you. First understanding that, oh, you know what, things are going nice now, great, but a challenge is going to come. So when it does come, I don’t have to work so hard to emotionally and mentally overcome it, but it’s the easy [0:19:52] because I am already prepared, just you know, like an athlete or anyone else who understands that it’s a process in life of building and strength and pain and overcoming these things. I believe the only way to truly do that, with a little discomfort, is by being prepared and for me being prepared is by continually feeding myself with the right information to keep my mind strong.

KEVIN:
So keep your mind strong. And tell us, you have such a fascination with hearing about people and how they overcome things because you know, sometimes in life things do hit you, things don’t go the way that you want. Can you give us an example of when you had a tough challenge and you’ve overcome it and what it was like and what you did?

MARCELLA:
Oh, yeah, I think with any person, there’s a challenge, right? So I know that back in early 90s, I had a situation and this was just when I was starting my business, my brother and I, were just starting and we were building up our financial firm and there were a lot of things going on; I was helping with my family and their business and they were going through a crisis and just trying to get everything together, so it was a very unstable time, as you are trying to build and you need the help and money wasn’t where it needed to be, necessarily it can move around and it allowed me to stay in a place in the right frame of mind, so that I can make the right decisions. It allowed me to not go and fall into a pity party or feeling that [0:21:30] ‘why me’? you know, how could I be going through this? Especially because, you know, I am trying to build a financial [0:21:37] firm and I am dealing with a financial issue here, but it strengthened me and it allowed me to be able to identify and help my clients even better. Once we overcame that and we were able to grow from there, it allowed me to learn from it. Because so often if we don’t have the right mindset, one, [0:21:59] stay in our own, like I said the pity party, because of what I read and what I hear from others, I would tell myself, I am in good company. You have to go through this. This is your right passage. So it would allow me to feel that, ‘Okay, this is not about me, this is just something I have to go through’ and then when we went through it, we were able to [0:22:19] had the mindset to say, ‘Okay, now how do we take this and become stronger from it and help others with it?’ And that’s what we were able to do.

KEVIN:
Great! And when you come through that problem, then [0:22:31] that can have the problem in the future, so you do have an ability to help other people at that point. And I just really want to accentuate that, the point you made that may not [0:22:41] it was this question that you were asking then, which was ‘why me?’ and when you ask that ‘why me?’, it’s like an internal reflection, you know, it can create that pity party, can keep you stopped, it can keep you part of the problem, part of the solution because it sends you internal. Sometimes like you said, it’s not always about you, it’s about the situation, it’s about what’s happening in this particular situation and coming back to your question of rather asking ‘why me?’ ask ‘Am I part of the problem or am I part of the solution?’, working at how you can be part of the solution, how you can take action, now doing things externally as opposed to ask yourself internally ‘why me’, that’s what can make the biggest difference. So thank you for sharing that.

MARCELLA:
Yeah, sure, exactly.

KEVIN:
And what I would also love to hear from you then is around your bucket list. If there was one thing that you still wanted to accomplish or go and do or be, what would that be?

MARCELLA:
Ha, ha, ha. Okay, so it’s funny. All because we touched on it earlier, but I’ll say it now, but I didn’t think it would be relevant to mention it before, but since you ask, my bucket list is actually sky diving. Ha, ha, ha!

KEVIN:
Ohh! Are you gonna go too, on the 18th birthday?

MARCELLA:
I think her desire to sky dive is because that was always my desire to sky dive. I think the pressure as a parent not to do it because well, you know, obviously there is a possibility of something going wrong and I am the mother of two young kids and that’s probably not the most responsible thing to do, however, when she became [0:24:12] and she decided to, hey, I wanna go sky diving, I was like, okay, you go on your 18th birthday, let’s do it together. So we are gonna do it together. We are gonna go sky diving and I tell her, like, the exciting part for me is being in the air, watching the beauty of this earth and the fall, the hard part is actually getting off the plane. I think someone’s gonna have to push me off the air, but [0:24:36] it’s gonna be great…ha, ha.

KEVIN:
Ha, ha, well, you remind me of a story. I have had the good fortune of doing quite a few sky dives myself and I remember in the old days, I got on, I think I was jumping on my own at that point and I remember the girl in front was doing her first tandem jump and she said it on ground, no matter what happens when I get up there, make sure I go out. And so okay, sure. They get up in the air and the airplane takes off, you got to 13/14/15,000 feet and you see the ground beneath and it’s looking quite small now, the cars are small, the people are small, it seems a long way off and the doors open and the wind rushes in and you can see this girl go, [0:25:10] like she didn’t want to and they are getting closer and closer to the door and she’s like, no, I don’t want to do it, I don’t want to do it, I don’t want to do it, so the sky diver instructor, clearly goes there, they are strapped together, said, okay, no problem, and he turns his back towards the door, like they are getting back in the plane and you can see she’s relieved on her face and as she’s begin to [0:25:28] he just kicked his legs and they went out backwards, so, ha, ha, ha

MARCELLA:
Ha, ha, oh, I love it, ha , ha..

KEVIN:
So if you wanna go out, you’ll go out, I am sure and what an amazing experience you both can have and what a great thing to do together. I am excited for you. I really am excited for you.

MARCELLA:
Yes, since you are an experienced sky diver yourself, I am sure you are, ha, ha,

KEVIN:
Yeah, I can feel the excitement now just thinking about it. It’s making me [0:25:47] I wanna come and jump with you both. It sounds like an incredible experience.

MARCELLA:
Yeah, you are always welcome.

KEVIN:
Alright, well, don’t tempt me. I might be on the next flight to come and join you. So, I would love to hear from you, if there was just one book that you would recommend for our listeners to read, what would that book be?

MARCELLA:
Yeah, I would have to say, well, I am a Malcolm Gladwell fan.

KEVIN:
Hmmm, me too..

MARCELLA:
So I would have to say, ‘Outliers’. I mean, he has some [0:26:12] books, but ‘Outliers’ is my favourite from him, I would have to say. And because of the story [0:26:20] he tells the stories of these very successful people and just what it took to get there and between learning those stories and also I think that was my first introduction to the ten thousand hour rule and just how that was laid out in that book, it was just a remarkable book for me and it really helped to shape. At the time it was some things the way I thought and it confirmed some things and was a relief and so it’s a great book.

KEVIN:
Yeah, it really is a fantastic book. So Malcolm Gladwell and the ‘Outliers’. If you haven’t read it, definitely get hold of it and while you were talking about that, you reminded me of another book that I [0:27:00] I don’t know if you have read this one, but Gladwell talks about this ten thousand hours and then Steven Kotler, in his book ‘The Rise of Superman’, he’s a great book and he’s talking about how adventure sports, athletes are really growing and they are getting so much rapid growth in sports and [0:27:18] sports so much faster and he talks about how they circumnavigate the ten thousand hours, how they get results much faster because they are tapping into the idea of flow or stay at flow, so if you have read Gladwell and you love that book, and you want to accelerate your ten thousand hours, definitely get ‘The Rise of Superman’ by Steven Kotler as well.

MARCELLA:
I will definitely check that out.

KEVIN:
Yeah, wonderful work and you’ll really enjoy that. So I really appreciated all of the time and wisdom that you’ve shared with me today and with the listeners, so we can’t thank you enough for what you’ve shared and just as a recap then the key life changing question from today is, ‘Am I part of the problem or am I part of the solution?’ Definitely don’t ask ‘why me’ because that will send you into a pity party. And don’t forget there is a great resource to uncover your financial demons and we can get that at ?

MARCELLA:
legacybuildergroup.net.

KEVIN:
Legacybuildergroup.net. All of the information from today’s show including the books and the resources can be found at kevinbees.com/podcast and thank you so much for your time and energy today.

MARCELLA:
Thank you, Kevin. Pleasure being on.

Thanks so much for listening to the life-changing questions podcast with your host, Kevin Bees. We’ll catch you next time.

Hey, you are on bonus time right now on the life-changing questions podcast and I’ve got three bonuses that I would like to share with you and I call them the three S’s. The first ‘S’ is for Show Notes; don’t forget you can get all of the details of the show including the names of the books that were mentioned, the key people that were mentioned on kevinbees.com. The second ‘S’ is Subscribe. Make sure you subscribe to the show. We’re going to be releasing a new episode every single week and our guests are just getting better and better. And I’ve got the third ‘S’, Share it; your friends, family, colleagues, loved ones are really gonna appreciate it when you share such great content with them. That’s it from me and make sure you are asking life-changing questions this week.

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