The 4 Top Things Women Want Most Out of Life

A Point of View and an Invitation from Maria Dowd

Observation… Society is hammering women. Lest we forget: the president of our United States is a proud, card-carrying, self-proclaimed “pussy grabber.”

That’s it…No more pussyfooting around with our reality. Far too many guys in key leadership positions are sleeping soundly at night (unless they’re up tweeting) knowingly promoting gender and racial disparities…a double wammy for women of color.

They’re perfectly fine with the fact that women continue to earn just 56 to 77 cents on their dollar. Let’s do the math…that averages close to $500K in unrealized income in most women’s lifetime!

Furthermore, these guys are okay with wrecking havoc on our already inequitable health care system, warehousing children into pissy-poor (to use my grandmother’s term) school environments aka “prep school” for prison and urban/rural decay, feeding us chemicals-disgusted-as-food, pitting religion against religion…

… And, grabbing our crotches (literally and figuratively) anytime they damn well please, then sticking a microphone into the face of an unenlightened “YES woman” – who becomes “our” voice mindlessly doling out hall passes while these boys run wild lifting girls’ dresses.

I once had a [drunken] boss crawl under a conference table to peer between my legs. I was in my 20s. What’s your story?.

“Don’t be so uptight. Boys will be boys. They were just kidddddding.”


A woman’s quality of life is nothing to kid around with. We’re over being the butt of foul antics, lack of humanity, care only for bottom line profits, and dancing around deep pools of hypocrisy hidden behind the backs of unconscious people who don’t know any better than help fuel this global warming climate of “woman-shaming.”

Are you ready?

This is an open invitation to collaborate with us – to join the My Amazing LYFE Women’s Empowerment Movement. It’s time to link arms and bring YOU and YOURS into a dynamic community of high-octane coaches, mentors and advocates who passionately live to share, support and provide proven solutions that stand toe-to-toe with the challenges women face daily.

The first tier of the My Amazing LYFE Movement is the launch of our life-transforming learning platform where the all-important inner-work is done. Every woman has at least one area of her life she longs to elevate, improve, expand: love, money, health, family life, business, career. There’s a lot of power within us to be unleashed. We’re building the platform to usher this UNLEASHING process into something powerfully enlightening…and liberating.

One is not in bondage to the past, which has shaped our feelings, to race, inheritance, background. All this can be altered if we have the courage to examine how it formed us.
We can alter the chemistry provided we have the courage to dissect the elements.” Anaïs Nin

Through the My Amazing LYFE Map coursework, you’ll emerge with a holistic game plan – to guide your personal and professional development pursuits – to break through what may be getting in the way of living an even richer, more fulfilling life.

To breathe life into and powerfully activate your game plan, we’ve got an entire brigade of powerhouse coaches and mentors ready to serve and support you in achieving your goals and living your life out loud… and unbridled. Plus, a community of like minds to share, encourage and celebrate your successes

We’re CROWDFUNDING this Movement for a very specific reason: Collaboration accelerates getting more things accomplished in a more profound, far-reaching way.

None of us, including me, ever do great things. But we can all do small things, with great love, and together we can do something wonderful.” Mother Teresa

We invite you to say YES to joining the My Amazing LYFE Movement, to support women realize the quality of life you may already have, yet feel more women and their families deserve.

LYFE = Live. Your. Freedom. Every Day!


Our Children Safe, Secure, Well-Educated and Prepared for Life

We want our children to be loved, protected and enriched at home and in school by parents, teachers and administrators who deeply care and fiercely advocate for their well-being, happiness and promising futures. We want our children to truly enjoy learning in safe, engaging, inspired, peaceful, progressive, well-equipped environments that universally encourage and provide positive outlets for children to reach and surpass their potential.

Awaken Each Morning Feeling on Top of the World and in Control of our Destiny

We want to rise each day feeling highly energized, immensely loved, well supported, empowered, physically healthy, emotionally fueled and overflowing with gratitude because we have a crystal-clear vision of how our day will progress, and what our future beholds. We want to awaken each morning feeling our Divinity, power, ease and peace, knowing that we’re living our lives per God’s perfect design…with absolute clarity of mind, heart and action.

Freedom to Love and Be Loved Boundlessly and Masterfully

Women want to enjoy the kind of love that’s open, honest and divinely expressed, beginning within ourselves. We want to be free to adore our beauty that transcends the trappings that society pushes on us, to experience self-love so deeply rooted and absolute, we’re attuned and therefore unmoved when false, pained love shows up. We want pure, nurturing, chivalrous, sacred love that continuously evolves inside of trust, harmonious communication and shared values.

Safe Harbors to Thrive… And Not Merely to Survive

Whether in the workplace, classroom, neighborhood, campus or social setting, women want to feel a safe, organic, bias-free sense of belonging, equal treatment, and access to avenues that elevate our quality of life, and to realize economic gains on par with our male counterparts. We want our contributions recognized, our body protected, our beliefs honored and the way we experience life as a woman – and as a woman of color – taken seriously. We want free and clear opportunity to advance and prosper… so we can live and play our dream life on our terms….joyfully and purposefully.

Superhero Parenting Part 1: Age 0 to 12

Superhero Parenting Part 1: Age 0 to 12

Superhero Parenting Part 1: Age 0 to 12

By Maria Dowd | Creator and Catalyst |

Being a superhero for your children doesn’t require super powers. It simply required dedication to being great parents who gives their time, care, love, compassion, energy, involvement, emotional, spiritual and financial support. It starts with setting the intention of being the best possible parent for your children, and their unique needs, gifts and ages.
The Early Years: Spread Love

The first five years of a child’s life are the most
crucial for a number of reasons. Not only do kids
learn who their family is but they also pick up on
their loved ones’ habits.

Since parents are the people your little one sees more often than
any other family members, you can count on them to mimic your
Speaking of compassion, did you know that you are your children’s
teachers when it comes to love? Well, you are.

Various studies
show that children
who feel heard, and
are given hugs and
kisses from their
parents on a daily
basis are more
likely to pass on the
love to other kids .

These children are more willingly to share their toys with peers and more than likely will not bully others. The amount of love that you give a child during the early years of growth, essentially, creates the type of person that they will be in coming years.

Enrich your children’s life by practicing daily habits that will grow their capacity to love learning.

Read to them daily. Have compassionate, loving conversations. Expose them to wonderful outside enriching activities and really want to give your children the very best that their parents and extended family have to offer. And, I don’t mean THINGS…I mean EXPERIENCES. And, this is not a function of money, but more a function of a deep desire to afford them quality time and your creativity.

Growing your children’s capacity to live their lives fully and successfully starts with your commitment to creating an enriching life for them.

Coming Years: Elementary School
First grade is when kids get a real sense of how school will be for the next twelve years, and where
parents are exposed to another stage of their children’s lives. They are no longer with you all day, and it seems that the teacher is more aware of your kids than you are. During these times it is important to do the following:

Get to know your children’s teachers well. Your child should feel good and have nice things to say about their teachers.

Ensure that you clearly understand what’s going on in your child’s classroom. Their teachers may be amazing POSITIVE INFLUENCERS. On the opposite end of the spectrum, some teachers could be doing more harm than good by TYPECASTING your child without really knowing your child. What praises and/or criticisms are you hearing from both your child and their teacher?

Be the parent that everyone can count on to care and be engaged in their children’s well-being, success and happiness.

Be keenly aware of the changes
brought about by peer pressure and
other aspects of schooling

Watch for anything that feels unsettling to you. Listen intently to your children, read body language, look them in the eye and really see their facial expressions. Listen to a teacher’s suggestions oncerning your child and take action when their observations coincide with things that you have noticed.

Your child is no longer a baby and
should be treated like the growing
boy or girl that he or she is.

While there is nothing wrong with showering your kids with love, you should understand the difference
between affection and domination, over-indulgence and being overly lenient. Your elementary school student needs room to grow, make friends, and learn to take responsibility for their success a school…and in life.

Monitor the company that your children are keeping.

While first graders tend not to have a large problem with attracting the wrong crowd, older children in elementary school do sometimes manage to befriend children whose upbringing may not align with your values and parenting skills. Hurt children hurt. And, you want to know if your children’s friends are hurting inside. This is why it is so important for you to know who your children’s friends are along with the parents who care for them. Your child may show embarrassment, but you will be saving him or her a lot of heartache in middle school. Statistics show that kids who become friends in elementary school, especially the first grade, often remain buddies for life.

Start planning early for your
children’s college education and
overall experience.

Envision higher education for your children, even if it wasn’t your experience. Simply put, college educated adults out-earn those without. And, rich college experiences opens wider opportunities to live a more expansive, amazing life.
Young adults who are heavily burdened with student loan debt and making ends meet comprise their health, overall well being and quality of life.

Explore powerful, yet easily managed ways to start funding college now – no matter what age your children are.

As a motivational speaker and catalyst for women’s empowerment, Maria Dowd’s mission is to elevate women’s self-awareness and self-activism. Maria’s My Amazing LYFE lifestyle brand of enriching programs, tools and events, holistically and methodically advances women’s well-being, healing and transformation.

Maria discovered her vocation in the 1990s, with the founding and production of African American Women on Tour, a high-impact empowerment conference she toured for 13 years, attracting close to 29,000 women worldwide. Maria later became a successful network marketing consultant, representing a line of botanical self-care products, while leading over 1,100 consultants.

A few year’s ago, Maria created a life map to help through two major life transitions. After sharing a snapshot on Facebook and receiving overwhelming response, she birthed My Amazing LYFE Map e-Course and Workbook , to help others navigate their success and happiness.

Maria is a native Californian, mom to two daughters, and “Mimi” to her 5-year-old grandson, who’s clearly on path to becoming the president of something amazing from the superhero mothering he receives. Also, his college fund is compounding interest daily. Maria can show you what she did for her grandson.

Excess Baggage Chronicles – The Case of the Caribbean -Party- Cruise

Excess Baggage Chronicles – The Case of the Caribbean -Party- Cruise

The Case of the Caribbean “Party Cruise”
by Maria Dowd

Afew summers back, a girlfriend and I treated ourselves to a wonderful Caribbean cruise. It was filled with 2,500 Black folks who had worked hard all year long to treat themselves to this annual week-long voyage on “the party cruise ship.”

My girlfriend and I are both “carry-on chicks,” each with one overhead-compartment-sized suitcase and a normal sized tote (not a suitcase disguised as a tote) – Desiree is a “vacuum-sealer,” and me a “tight roller.”

We played hard. Each day was packed with activities in the sun and on the surf, mixed with loads of socializing, old school concerts and savoir faire.

On day six, we begrudgingly dragged ourselves into the overly-air conditioned, darkened theater to receive our disembark instructions. What could have been a boring litany of do’s and don’ts, it was anything but that.

Surprisingly, our darling, chocolate-colored cruise director was a closet stand-up comedian. For the next hour, his directives were sprinkled with witty cracks about the nuisances of our particular group. And, with an impressive level of finesse, he talked about us bad.

This ship was filled with roughly 1,500 black women and 1,000 black men who, according to our cruise director, ate and lugged two times – yes, 2x more food and 2x clothes than our European counterparts. These stats made me wonder – what are the stories (and psychology) behind the double-downing of grub (and potentially more food waste), and packing far more shoes (and potentially more shopping that preceded travel day) than the number of days at sea?

And, of course, texture-haired women have other layers of considerations to ponder pre-travel…humidity and water frolick…which adds weight to luggage, including the full range of full-sized hair care products, plus “hats” (of both straw and human hair varieties) and electrical heating devices. Imagine all of this times 1,500 female heads of hair. This is real, Mr. (chocolate) Cruise Director. You know better.

Is there a lesson or two to take away here, or do girls (and boys) just wanna have some dang fun in the sun, for heaven’s sakes?

Is there a little psychology around “getting our money’s worth,” which translates to piling more food on our plates? Even if all of it isn’t eaten?

Is it possible that there are far more single women on “the party cruise,” who wouldn’t be caught looking less than fabulous… and the (subconscious) hope of meeting their dream mate? Does having two or more choices per event improve the odds?

What about the huge psychology women of color manage day-to-day — now we’re talking being away from our home salons for several days — around our ability to freely “let our hair out” (note that “down” is typically not an option without a host of aids). Even with my natural hair, I need my stuff for frizz control. Ironic, right?

Or, shall we simply resolve that I’m overthinking this (which I’ve been known to do), and that vacations are not the time to count the number of outfits we pack, or the number of calories we pack on? And, there are not any psychological or emotional triggers in play here – that fuel our “vaca” consumption of food and clothing habits.

…just a little food for thought…this pun was very much intended.

Also, check out 5 Keys to Transforming Your Money Management Habits: Train Your Brain to Make Wiser Spending and Borrowing Decisions , which touches on our emotional/psychological relationship with money, and our motivations around the choices we make.

What resonated…and what didn’t? Share your thoughts and comments with other My Amazing LYFE community members at

Maria Dowd is a motivational speaker and chief catalyst for women’s empowerment. Her mission is to deliver LYFE solutions that disrupt and ignite your core… to live with boldness and grace daily. Maria’s My Amazing LYFE lifestyle brand of enriching programs, tools and events, holistically and methodically advances women’s self-awareness self-activism self-care and self-love. On-going and supported SELF-work inspires greater well-being, healing and transformation. Visit for free tools, resources and community. LYFE: Live. Your. Freedom. Every Day!

Top Reason Why We Need to Get Over Avoiding Life Insurance by Maria Dowd of MyMoneyLYFE

Top Reason Why We Need to Get Over Avoiding Life Insurance by Maria Dowd of MyMoneyLYFE

Top Reasons Why Need to Get Over
Avoiding Life Insurance…and Make It Happen NOW.

By Maria Dowd

5 Top Reasons Why People Avoid Buying Life Insurance

  • The subject matter of death is very unpleasant…but it couldn’t be more inevitable unless you’re from outer space. Sadly, death happens to us all, and often illness comes first. Be prepared for both. There is no avoiding what WILL happen, but it’s important to protect yourself and family BEFORE it happens.
  • We talk ourselves into believing that it’s not affordable…yet a $300 concert ticket or $500 car note is affordable. We don’t know what we don’t know (and “can’t afford”) until we ask AND rethink our priorities.
  • We place greater value on other financial commitments. Unfortunately, a premature death or serious illness can wipe out all that you’ve worked so hard for. Protect your family’s assets with life insurance. It’s like beautifully designing the interior of your home that sitting on a cracked foundation.
  • Insurance is complex. There is no doubt that it’s complex, which is why there are licensed agents (like myself) to help you. But “complexity” is not a good enough reason to avoid it. Imagine if you avoid every financial decision due to its complexity, including loans, lease agreements and so on. We live in a world where “legalese” is the norm.
  • You don’t trust insurance companies. Firstly, the insurance industry is highly regulated. Secondly, there is a key reason why insurance for anything exists – for protection. Take stock of the insurance you do have (mobile phone, home owners, car, rental, liability…). Life insurance has to be prioritized into the essentials of your life.

8 Reasons to Have Life Insurance

  • To cover your children’s expenses – both their day-to-day as well as their college education, if that is important to you.
  • To replace or supplement the surviving spouse or parent’s income, to maintain what’s important to your family’s quality of life and future.
  • To supplement your retirement income. Most Americans are poorly prepared for retirement. Some permanent policies are set up to send you a regular supplemental check, while also covering you with living and death benefits. I call explain if you book a complimentary discovery call with me.
  • To protect your family against a devastating illness or injury. Serious illnesses like cancer can financially bankrupt a family, not to mention taking into account the physical and emotional toll on loved ones.
  • To pay off debts, such as a mortgage. Imagine what would happen to your family home without your income. How would your family remain afloat or would there be major distress for your entire family?
  • How about a business partnership? Partners need to have insurance on one another, or risk being forced to sell the business, if a partner passes away. Would you have enough cash to buy out your partners’ interest from heirs?
  • To pay off estate taxes, to avoid having to put your retirement or other liquid assets on the line. Every state is different laws. PS – also check into getting a will and/or living trust, if you don’t have one already.
  • To cover the cost of the funeral and burial. Do you want to burden your family financially, when they are emotionally dealing with your passing?

As a motivational speaker and catalyst for women’s empowerment, Maria Dowd’s mission is to elevate women’s selfawareness and self-activism. Maria’s My Amazing LYFE lifestyle brand of enriching programs, tools and events, holistically and methodically advances women’s well-being, healing and transformation, including MyMoneyLYFE

Her life took a dramatic turn after a divorce in 2012, which was a huge wake-up call, as Maria—as so many women do—had fallen into the trappings of financial co-dependency. After a fateful conversation with a former colleague, Maria became a licensed insurance agent (in several states), gifted herself (she only had term prior), as well as her daughters and grandson with permanent life insurance policies (in lieu of holiday and birthday gifts), and made a commitment to help as many families as possible understand the importance of life insurance and how it may be leveraged to build inter-generational legacies of wealth.

Maria is a native Californian, mom to two daughters, and “Mimi” to her 5-year-old grandson. She enjoys travel, Zumba, independent films and thrift shopping.

Why Build a Family Legacy of Wealth Webinar Transcript by Maria Dowd

Why Build a Family Legacy of Wealth Webinar Transcript by Maria Dowd

Webinar Transcript

Webinar Transcript

Welcome, and thank you for joining me!

I’m your host, Maria Dowd, CEO of My Money LYFE.

We serve individuals and small business owners, who are passionately committed to creating more enriching lives and futures, for themselves and their families, and seek wise, safe solutions to fund their dreams and their journeys, as well as to protect their

Through financial education, for greater understanding and insight, My Money LYFE helps forward-thinking families to powerfully advance their life-long dreams, and inter-generational legacies of wealth. It’s time that we start shifting the way in which we look at life, and the way we look at death. Avoiding and delaying protecting our families comes at a very huge cost.

And who pays the highest price? Bottom line, the highest price will be paid by our children and our grandchildren.

This is a short course on why we must build family legacies of wealth, and know that it’s not beyond our reach.

I’m Maria Dowd. I’m a licensed Insurance Agent, a certified Financial Educator, and CEO of My Money LYFE.

Take good notes, and everything you’ll hear within the next 30 minutes, to heart.

As an Insurance Agent, I must share this disclaimer. So, take a moment to read it, and should you have any questions, and would like a copy of it, you’re welcome to email me at

Legal Disclaimer

The information provided in My Money LYFE webinars and accompanying material is informational purposes only. It should not be considered legal or financial advice. You should consult with an attorney or other professional to determine what may be best for your individual needs. Maria Dowd and My Money LYFE do not make any guarantee or other promise as to any results that may be obtained from using our content. No one should make any investment decision without first consulting his or her own financial advisor and conducting his or her own research and due diligence. To the maximum extent permitted by law, Maria Dowd disclaims any and all liability in the event any information, commentary, analysis, opinions, advice and/or recommendations prove to be inaccurate, incomplete or unreliable, or result in any investment or other losses. Content contained on or made available through the website is not intended to and does not constitute legal advice or investment advice and no attorney-client relationship is formed. Your use of the information on the website or materials linked from the Web is at your own risk.

In addition to my passion for empowering families to elevate their generational legacy gain, I founded and produced African American Women on Tour, which is an empowerment conference that my team and I toured around the country for 13 years, and featured such notables as Iyanla Vanzant, and famed vocalist Gladys Knight.

I’m also the author of three inspirational books on personal development, including Journey to Empowerment, Journey to a Blissful Life , and Journey Into My Brother’s Soul. I’m also the mother of two incredibly amazing daughters, Janelle and Lauren, and Mimi to my grandson, Noah.

I’m also a proud holder of the National Financial Educators’ Council certification for Financial Education Instruction. To read my entire bio, you can visit my website at . And “LYFE,” L-Y-F-E, is an acronym for Live Your Freedom Every day.

So, what is this movement all about?

First things first, it’s a reality check. It’s time for us to peel back the layers that cover up; that cover up our progressive nations, and the little stories we tell ourselves.

We convince ourselves that “I’ll put it off for later,” “I don’t need insurance,” “I don’t need to have conversations about money.” Some people don’t want to have conversations about illness and death.

But what’s real? There really isn’t a single person, that I know, at least, who is walking the planet Earth, who doesn’t know someone, whether in their immediate family, or someone else in a friend’s family, or a colleague, that found themselves totally and financially unprepared for the worst case scenario, that caused a lot of heartache, uncertainty, and financial suffering.

But what’s really more important than that is, what about our life-long dreams that we have for ourselves, our family and our future? There are certainly things in life that we haven’t experienced, and that we want in our lives. We see it in other peoples’ lives, and we want it for our own.

We want to own a home. We want to send our kids off to college, to get college degrees, and not come out with a bunch of college debt. We want cash, to start our businesses. We want to travel to faraway places. We all have those dreams.

So, here’s where my big journey began.

It came with this fateful phone call that I made, that literally changed the course of my professional life. What I gained from that two-hour conversation was a lot of insight, and a lot of clarity. I also discovered that it was precisely aligned with my passion, my calling. And my calling, my passion, my vocation, the thing that I live for, is for women’s empowerment and community transformation.

One of the key revelations that came out of that conversation was these very disheartening findings, from a study that was released by the Institute of Policy Studies. It found that, at our current pace, that it would take black families 228 years to build the amount of wealth that white families have today. And it would take Latino families 84 years.

Both numbers are equally startling, and unacceptable, and it was the impetus for me to join the One Million Million-Dollar Babies Movement.

Okay. Here are some more cold, hard facts. This particular chart shows the huge, huge, huge retirement savings gap between white families, at the average of $130,000, versus black families, that average $19,000, and Latinos, $12,000 . I think that we would all agree that something has to shift.

Aside from that screen that I just shared with you, there is also a huge gap between the total value of assets. For white families, their total value of assets averages around $141,000. That’s compared to $14,000 for Hispanics. And blacks have the lowest wealth value of any other segment of our society, at an alarming $11,000.

Overall, as you probably have figured out in our own lives, and have seen other family members experience this, women are far less prepared for retirement than men.

And then, there are a lot of other modern-day concerns that keep us distracted, that systematically instill fear, stress, anger, paralysis. It impacts women of all colors and ethnic backgrounds.

And then, there’s the fight over the unraveling of our health care system. While it wasn’t perfect, no, but it was a way of balancing the delivery of health services to the American people. So this, too, impacts our quality of life, and our ability to build legacies of wealth for our families and our futures.

Today, in our current political climate, there are more issues and concerns that we have, that still continue. They still continue to exist, and show up in the news every day. It’s really disheartening. So, it’s not easy to consider, much less focus on building legacies of wealth for our families and futures, when we have all of this other stuff going on around us.

But we don’t have any other choice. We have to get focused.

We must turn our sensibilities and energies toward building up our families financially, and ensuring that we have something of great wealth and value, to leave behind to our next generation.

Let’s talk a little bit about the American dream.

The dream of great, well-paying jobs, attending college graduations, traveling all over the world, happy, healthy families, wonderful love relationships, living in our dream house, in our dream neighborhood, that are filled with all of the services, and social experiences that we want and desire for our lives. That is the American dream.

Let’s talk about the American dream. To live in safe and welcoming communities, live in a beautiful home, to send our children off to great schools, to have tremendous track records for preparing our children for college. And then, to become high-earning professionals and entrepreneurs, etc . It’s not just a dream. We can manifest this for our families.

I’m going to show you one important tool, that we can potentially leverage, to move us closer to achieving that kind of lifestyle. It’s something to consider, and it is so much within our reach, and our capacity and ability to achieve.

But I’m going to HGTV. You see young couples. They’re walking down the street hand in hand, with their real estate agent. They have $200,000. They qualify for a $400,000 or $600,000 house. The house is a great home. Or maybe it’s a fixer-upper, but it’s in a great neighborhood, and a great school district.

How is that possible? How can families make that possible? More times than not, the ability to have a great down payment on a home is fueled by what? I’m going to ask this, as a challenge. Can you guess?

You’re absolutely right. Inheritances. Family matriarchs and patriarchs, like yourself, who simply commit to wisely and powerfully setting their families up to have financial resources, to build upon the American dream, generation after generation after generation.

And if it isn’t a part of your family history or culture, I promise you, you can start shifting that right now.

In a recent Bloomberg article, it was reported that inheritance mattered substantially more than ever considered. Having money to pass along to our next generations, that enables our children, and their children, to start accumulating wealth earlier in life. That’s a powerful revelation. One that we often brush over, because we get caught up in all of the other things that we think really matter.

Now, we can make this possible. If your family is powerfully and sufficiently set up, that’s fantastic. However, if this is not a part of your family’s reality, you don’t have to resign yourself to staying on that path of being un- and under-insured, and not having the platform and the opportunity, and the solutions, to make a difference in your family’s life.

Going back to HGTV (because I love it so much!), you see the families. They’re walking hand in hand, they qualify for a $200,000, $300,000, $400,000, $600,000 house, or even more, actually. I once heard one of the families say that they had come across an inheritance from their grandmother, and it was $600,000. So, they were able to afford like an $800,000 or $900,000 house.

In that moment, I promised to myself that I would be one of those grandmothers. That I would be one of the grandmothers to leave something of financial substance to my grandchildren, and to their children.

This is our call to action. Our personal challenge.

…To rise above our circumstances, economics and politics.

My question to you is, who’s ready to take an unwavering stand for their children, and for your family’s legacy?

What is this movement about? It’s about reversing trends. It’s about moving our family legacies out of the financial basement. Bottom line, we have to put an end to choosing this dank destiny for our children. At the end of the day, despite the challenges we face, it boils down to choice, because we have far more choices than we give ourselves credit for.

Well-known Economist Joseph Stiglitz once said, “Inequality is not inevitable.” I would challenge all of us agree with that, that inequality is not inevitable. Yet, despite the fact that it’s ingrained in our society, in our government policies, our commercial practices, we still have to stand taller than that. We have to choose not to make inequality our pre-destiny, our fate.

I challenge you to say that we’re bigger than that!

I love this quote. It pretty much sums it up. “Every damn brick they try to throw at you, use it to stand on.” That is the truth.

What about our biggest whys?

Without a doubt, my grandson is most definitely my biggest motivator, my biggest why. He’s my biggest driver, because of what I want for him, and for his children, and his children’s children.

I also want this for my mother, and my daughters. I have a little story to tell you. My daughters are always teasing me, because I have always been the worst at buying gifts for the holidays and that sort of thing. I just could not ever get into it, I’m sorry. I was one of those resisters. I don’t know, for political or social reasons, or whatever.

But I was just a resister, to get caught up in the present-buying, during Christmas, and that whole season and everything. Not to say that I didn’t honor it and celebrate it with my family. Of course. But the whole commercialism around it, I just could not get my head around it.

And then, one day, that shifted. That was the day that I invested in permanent life insurance policies for my daughters and my grandson. So, I simply traded what I would ordinarily hustle and bustle, and get stuff that they didn’t like, wouldn’t use, or whatever. I actually started resigning to just getting gift cards, and I don’t even do that anymore.

When I got those policies, it was a gift of cash accumulation. So, it was access to cash, okay? And supplemental retirement income. These are checks. What I’m foregoing in those gifts today, these are checks that my daughters will get for life, every single month, as well as a hefty amount, a pot of cash, for my grandson. That, in itself, was worth it, for me.

So, once again I ask, what is this movement all about?

I proudly serve as one of a growing community of catalysts for the One Million Million-Dollar Babies Movement, and I invite you to join ranks with us. It’s going to take a national effort. One community, and one family, at a time, which should start with your family, to help understand and gain greater wisdom around our finances, and to utilize the right insurance vehicles to substantially make the American dream a reality.

Permanent insurance is not about death, but it’s also about life, and so much more. It’s about having a legacy, and having something to pass along to our children, pay for college, for the lifestyle of our choice. It’s about a worry-free retirement. It’s about a continued quality of life, without interruption. Because what happens if a key breadwinner gets seriously injured or ill?

It’s about having a roof over our head, that we own. It’s also about having that safety net, so we can keep that home within our family. It’s about care and comfort for our aging family members.

And for our college students, our graduates, it’s about them not having the heaviness of substantial debt, and the worries and heaviness that comes with that, as they start their new lives and their careers after graduating, while trying to navigate student loans.

Think about leaving that legacy of wealth for our children, and our children’s children. They deserve it. The One Million Million-Dollar Babies Movement, it’s success depends on reaching thousands of families nationwide, so we must partner. We must collaborate with others of like mind, to come together, and to really spread the word about the importance, and what kind of value that permanent life insurance can bring to your family.

There really is no better time to serve communities in grander ways, with far-reaching impacts, inter-generationally. But we’ve got to work together. There are opportunities to supplement your income now, if you’re looking for a new, full-time gig, side gig, full-time venture. We’re here to make anything you want possible.

This movement is about hope. It’s about conviction. It’s about confidence, and it’s about trust. Because our children unconditionally trust us, as their guides, their protectors and champions, for their future.

Finally, the One Million Million-Dollar Babies Movement is about taking action, to ensure that our long-term quality of life, well-being, and safety, are taken care of.

Well, how do we get started?

The starting point is to recognize, really, how often we get in our own way. And I say that, because it’s so true! We are! We talk ourselves out of the stuff that we need, and we talk ourselves into the stuff that we want. We’ve got these stories. Of course, we have our hopes and our wishes. But the things that are like the first things first, they we need to be putting first, are the things, oftentimes, we most procrastinate about. We do nothing about. We put nothing into motion.

Really, no matter how healthy you are, and what kind of longevity you have in your family, we really don’t know what we don’t know about our future, and what might happen. We have to be prepared for the unexpected.

Not only do we have to be prepared for the unexpected, but we should be prepared for the transfer of wealth, to the next generation. This is the absolute only way that we’re going to turn those stats, that we talked about earlier, around, is by starting earlier, and to make a change, for our generational betterment.

The choice is ours. Do we want to continue to chain our kids’ future into the basement, or do we want to commit to being a catalyst for an elevated quality of life?

What’s next?

We have to begin with the end in mind. What are your biggest whys? I talked about mine earlier. What are your biggest whys? What do you truly want and need for yourself and your family? For your parents, your children, your grandchildren? We have to prioritize our goals. We have to strive for a more balanced life.

We acknowledge that we don’t have to do it all. We don’t have to do it all! We don’t have to have everything. Particularly, if it means that we are over-extending ourselves. We have to simply prioritize, and re-prioritize, and be proactive. There’s a saying that says if you put first things first, the second things are thrown in. But if you put the second things first, you’re going to lose both the first thing and the second thing. That’s a really, really profound saying!

Because this is what happens when you put the second things first, and the third things first. The cart is before the horse. Our life is turned upside-down. I know this life, because I experienced it. And who ends up paying the price? Our children. Inter-generational legacy of wealth is lost, because we chose not to put first things first.

When we put the cart before the horse, our lives end up under water, like this picture. We end up delaying, or not being able to buy a home, in our choice neighborhoods. We end up having to buy into, or live in neighborhoods that have less-equipped schools. We increase our stress and distress in our lives. We have more costly loans. It has an impact on our hiring and our careers, higher medical expenses, and we lose leverage. We lose the ability to leverage our income for bigger things, and for accumulating net wealth.

And here are some more hard facts and figures, really about just going back to the single subject around college graduates, with large student loans, entering the workforce. They experience far more emotional turmoil than students with less college debt. They have a lowered sense of self-purpose, lower financial management capacity, and lower physical health. We don’t want that for our kids.

Tony Robbins, he kind of sums it up in this really cool concept that he teaches. He explains certainty, in the light of uncertainty that surrounds it. He says that certainty is not a feeling. It’s a habit that we have to create.Certainty is at the top of our hierarchy, our
top priority. Certainty is what is our comfort and our security.

Oftentimes, we kind of look at it, and want to go for the love and the connection, the growth, the contribution, the significance, the variety, the travel, the adventures, and those kinds of things, and we kind of skip right over the uncertainty part. And it comes at a really, really, really high cost, when we skip over certainty.

We become more insecure and uncomfortable. We’re not able to live at our desired lifestyle. We don’t have as much free time. We don’t have as much fun. We don’t have as much independence, and self-sufficiency. We’re not able to help families, and our friends, as much. And we have to forego, or never really make that positive impact that we want to have, that legacy that we want to have on our society, on our community and our families.

So, it’s important to focus on increasing our financial wisdom, and our financial capacity. And it’s also important that we teach our children about wealth.

So, going back to the conversation about putting first things first. The everyday stuff. I mean, we’re talking our net worth, debt management, budgeting, credit cards, inflation, interest, all of the things that we really need, to put first things first, that we often don’t. But also, within that category, is insurance. And insurance, it is the most often misunderstood, and often most avoided
certainty product, that we need to have for ourselves and our families.

What’s missing is that we really don’t have the proper insurance, oftentimes. And oftentimes, we are under-insured.

I want to explain the distinctions, because not everybody really understands this. For starters, oftentimes, when we think we have permanent life insurance, what we really have is term life. And the reality is that term life terms out. At some point in time, it’s going to end. And it could end at an age where you are no longer insurable, or your insurance, that you were happily paying $25, $30, $40, $50 for, is now more like $400, $500, $600 a month. And that’s provided you can even get it.

Also, what we don’t really, sometimes, understand, is that when we leave our jobs, our policies go away. We also kind of buy into, oftentimes – now, I’m not saying that everybody falls into this category, but a lot of people do, and that shows up in the stats that I talked about earlier, in terms of the value of assets and that sort of thing – we buy into the saying “buy term, and invest the rest.” But do we really invest the rest? I would argue, based upon the facts and figures, that we don’t do that.

Also, is term life aligned with your living needs? Absolutely not. Because term life only, only kicks in when someone passes away. It cannot be used while you’re living, unless you have riders on top of that, which most people don’t get.

And then, the other thing that a lot of people have, and they really don’t quite understand, is burial insurance.

So, two questions. One is, is it adequate? And oftentimes, at the end of the day, once the payout comes, it really isn’t adequate to cover a funeral. But the other thing that we need to take into consideration is, oftentimes, before there’s death, there’s illness. So, what do you have to protect you and your family, if you become ill, seriously ill, chronically, critically ill, terminally ill, or injured, and you’re the primary breadwinner? We have to account for that.

And then, also, sadly, people resort to GoFundMe , because they were under-prepared, and they were uninsured. We’re aiming to turn that around.

How do we turn that around? With permanent life insurance.

Permanent life insurance provides life-long protection, the ability to accumulate cash value, and it remains in force, for as long as you pay your premiums.

With permanent life insurance, the instrument that we talk about most, is the Indexed Universal Life policy.The Indexed Universal Life policy provides benefits that most life insurance policies don’t.

If you die too soon, you get your death benefits, which all of us are familiar with. That’s the typical benefit of life insurance. But also, the Indexed Universal Life policy protects you if you live too long. You can set yourself up for lifetime income.

Also, if you become ill, chronically, critically or terminally, you’re able to tap into your death benefits. Now you can use your death benefits to tap into, and to cover some of your day-to-day expenses. And this is not long-term healthcare. This is something very different.

So, you’re able to pay your house note. You’re able to keep your bills paid. Keep the car running, so you can get to and from the Doctor. The other thing that it provides is cash accumulation, so that you have an amount of cash accessible, that you can tap into for college, to buy a home, to build businesses, or other investments.

How does it work?

The red line here is the Standard and Poor. So, this is the ebbs and tides, the ups and downs, of the stock market. This is money that’s inside of the stock market. Understand that. That’s inside of the stock market.

Now, when you use the indexing strategy that we’re proposing, even in the worst of times, you don’t lose money. So, your cash never gets lost. It doesn’t earn any interest, but it doesn’t lose anything. And you can see from this chart, that the indexing strategy, which is something that Warren Buffett is really big on, that it outperforms, or has historically outperformed, the money that’s inside of the stock market.

So, it’s something to consider, the benefit of an Indexed Universal Life policy.

In a nutshell, we can help you protect your money from loss, while providing for growth. We can help you put compound interest to work for you, and not against you. We can maximize the use of tax-advantaged savings, and lifetime income. And we can help you to figure out ways to re-direct moneys that may be overspent in other places and other avenues, and make it work better for you, so you can get more value for your money.

Imagine this is one of your kids. They’re less stressed and less worried, higher well-being. The interest is compounding daily, so there’s cash to invest in their college education. And young people can start accumulating assets earlier, and have a legacy to pass on, and to build for the next generation.

We have to start somewhere, so it’s time for us to start now.

Warren Buffett said that “Someone is sitting in the shade today, because someone planted a tree long ago.” That’s a really powerful, powerful statement.

So, are you ready to secure your family’s legacy? Have a higher quality of life after retirement? Protect against unforeseeable medical crises?

Explore our business opportunity, and join the one million, million-dollar baby movement.

My Money LYFE is here to help you and your family avoid emotionally and financially disruptive circumstances, and instead, to curate and master lifestyles that meet your present-day realities and goals, while strategically and solidly paving a way to a highly gratifying retirement.

And that’s important, those words ! “Highly gratifying retirement.” Not one that’s full of struggle and pain, and sorrow, and having to depend on your children and your children’s children for survival. It provides a more profound sense of purpose, and family legacy.

What are the next steps?

One is to book a consultation with yours truly, your Insurance Agent, Maria Dowd, to complete a data form. Together we can determine your needs. And then, we’ll run a complimentary illustration, so you can see exactly what your money will get, for your life insurance policy for yourself and your children.

And then, we complete an application. It takes a few minutes. It doesn’t take very long at all, because it’s all done electronically. And oftentimes, if you are getting insurance, getting the Indexed Universal Life policy, and it’s $250,000 and under, you don’t have to even get a medical exam.

And you can secure your family’s future.

It’s important to wisely and permanently protect your family.

Here is my contact information. Call or text me at 619-750-8232. You can email me at (that’s L-Y-F-E). Or, you can visit my website, and submit a form, that I’ll have your information to follow up with.

And you can visit my site at

And with that, I close! I thank you very much for joining me.

Live Your Freedom Every day! Much love.

My Money LYFE serves couples and individuals who are passionate, and deeply committed to creating a more enriched life and future for themselves and their families, and want to map out, and fund their journey. Through financial education, and continuous exposure to new possibilities, My Money LYFE helps forward-thinking families to powerfully advance their life-long dreams, aspirations and legacies of wealth.

If you’re interested in exploring how financial solutions that can support your family’s living and legacy-building goals, while permanently protecting them in the event of the unexpected, visit , email Maria Dowd at , or call/text 619-750-8232.