SUMMARY
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Nikki Gajoo-Frielinghaus is a Certified Financial Planner (CFP), certified life coach, certified money coach, certified business archetype coach, and an NLP practitioner. Nikki is also the founder of Opulentus Wealth Management, an advisory practice based in South Africa, and Imali Coaching, where she assists individuals, business owners, and couples to transform their relationship with money.

Today, Nikki joins the show to discuss self-growth and personal development, the decision to shift from CFP to coaching, and what inspired her to make this leap.

TAKEAWAYS
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00:52 – Jonathan reads another five-star review from a recent guest of the podcast
02:04 – Jonathan introduces today’s guest, Nikki Gajoo-Frielinghaus, who joins the show to open up about the loss of her father and financial lessons that came out of that experience
13:08 – The shifting dynamic of finances in the lives of couples
21:34 – Differences between CFPs and CMCs in South Africa and America
30:35 – Nikki’s career progression
35:33 – What inspired Nikki to launch Opulentus Wealth Management
45:34 – How Nikki differentiates coaching clients from financial planning clients
52:02 – One piece of financial advice to heed and one thing to completely ignore
57:23 – One thing Nikki would like her clients to know about her and the one question she would want to know the answer to
1:00:36 – Jonathan thanks Nikki for joining the show today and lets listeners know where to connect with her

QUOTES
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“I’d say, for me, a turning point in terms of finances was at that point in time - after the age of fourteen - because then I sort of got a reality check. My mom did whatever she could to provide for us, but instead of getting five Christmas presents, we were only getting two. So, that shift in terms of our financial situation became very apparent when my dad had passed on.” (06:31) (Nikki)

“At that young age in my teens, I was very clear no matter where life took me, what was going to become very important for me in my lifetime would be financial independence. And not only financial independence, but just independence in general.” (11:21) (Nikki)

“I think it would definitely be linked to legislation, definitely from a tax perspective. So I think that’s the big thing because we’re both CFPs. I’m part of the Financial Planning Institute of Southern Africa. That’s my geographic location, and I guess yours would be the USA. So, I’d say the biggest thing would be legislation linked to tax laws.” (21:54) (Nikki)

ABOUT MINDFUL MONEY
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Do you struggle with money? You’re not alone.
Money is a means, not an end. It’s a necessity of life for sure, but more money does not always guarantee a “good life”. Money enables many aspects of modern life, but as a dominant consideration it becomes destructive.
The paradox is that more time and energy spent on personal finance does NOT create better outcomes. Unlike many other parts of life, we can’t create better outcomes by being smarter, spending more time, or putting in more effort.
Join Mindful Money author and experienced 40-year investor Jonathan DeYoe as he shares stories from artists, authors, entrepreneurs, and other advisors about how they mindfully minimize their need to think about money and get more out of life.
If you aren’t happy with your finances, feel like money takes more time that it should, or want to place your financial decisions into the broader context of your life, this show is for you.
Each episode will draw the line between the “enough” activities that the academics tell us are additive to family outcomes, and those “little bit more” efforts that take time and sap energy, but do NOT improve outcomes.

GUEST RESOURCES
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Imali Coaching Website: https://imalicoaching.com/
Imali Coaching Facebook: https://www.facebook.com/profile.php?id=100089196834539
Imali Coaching Twitter: https://twitter.com/ImaliCoaching
Imali Coaching Instagram: https://www.instagram.com/imalicoaching/
Opulentus Wealth Management Website: https://opulentuswealth.co.za/
Opulentus Wealth Management Email: info@opulentuswealth.co.za
Opulentus Wealth Management Facebook: https://www.facebook.com/Opulentuswealth
Michael Kitces’ Blog: https://www.kitces.com/

MINDFUL MONEY RESOURCES
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Monthly Coaching Membership: https://courses.mindful.money/mindful-money-membership
Jonathan’s Book – https://www.amazon.com/Mindful-Money-Practices-Financial-Increasing/dp/1608684369
Website - https://mindful.money/
Jonathan DeYoe on LinkedIn - http://linkedin.com/in/jonathandeyoe
Mindful Money on Twitter - https://twitter.com/MindfulMoney_Ed
Mindful Money on Facebook - http://facebook.com/MindfulMoneyPlan
Mindful Money on Instagram - http://instagram.com/mindfulmoneyplan
Mindful Money on YouTube - https://www.youtube.com/c/MindfulMoney🎙️
Podcast Production by FullCast: https://fullcast.co/sn