Cary Carbonaro - The Money Queens Guide: For Women Who Want to Build Wealth and Banish Fear

the MONEY QUEENS GUIDE

For Women Who Want to
Build Wealth and Banish Fear

CARY CARBONARO, CFP, MBA

the MONEY QUEENS GUIDE

For Women Who Want to Build Wealth and Banish Fear

2016 Cary Carbonaro, CFP, MBA.

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There is no guarantee that you will earn any money using the techniques and ideas in materials, or the advice found in this book. The information contained in this book is strictly for educational and informational purposes. Nothing contained in this book constitutes investment, financial, legal, tax or other professional services advice. While best efforts have been used in preparing this book, the author and publisher make no representations or warranties of any kind and assume no liabilities of any kind with respect to the accuracy or completeness of the contents and specifically disclaim any implied warranties of merchantability or fitness of use for a particular purpose. Neither the author nor the publisher shall be held liable or responsible to any person or entity with respect to any loss or incidental or consequential damages caused, or alleged to have been caused, directly or indirectly, by the information or programs contained herein. No warranty may be created or extended by sales representatives or written sales materials. Every financial services company, investment advisor, or broker-dealer is different and the advice and strategies contained herein may not be suitable for your situation. Nor is the information provided in this book being offered by United Capital Financial Advisers, LLC, its parent company, its subsidiary entities, their directors, officers, employees, agents or assigns. You should seek the services of a competent professional before beginning any investment program.

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ISBN 978-1-63047-557-4 paperback
ISBN 978-1-63047-558-1 eBook
Library of Congress Control Number:
2015901024

Cover Design by:
Rachel Lopez
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Interior Design by:
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I dedicate this book to my dad, Paul F. Carbonaro. He was a leader who inspired others and would light up the room with his smile. He instilled hard working values and to always be kind, fair and treat everyone with love and respect. He told me you can do anything you want in life and also taught me everything about money. My goal is to be a living legend for him.

This book is also dedicated to Stephen Leeds, my amazing husband who supports me in every way. He is my true partner and the love of my life. He makes me better person and I could not imagine my life without the light in his eyes.

Thanks to Jessica Bellucci, Jarett Bellucci, Barbara Golemme, Matt Leeds, Michael Duncan, Richard Westhelle, Dawn Robertson, JJ Dahl, Justin Spitzman, Julie Barer, Susan Golomb, Abby Koons, Dennis Nelson, Jacqueline Stevenson, Erin Catherine, Kathleen Hands and all my amazing family, friends and clients!

Dear Reader,

In one way or another, we are all driven by money. Male, female, young and old, we have all been told, trained, educated, and sold the notion that money is pretty important. It opens doors, creates opportunity, generates freedom, and offers us the exciting ability to create the life we want. We all have a relationship with it. Some of us have a healthy one, and others do not. But so long as we live, money is relevant and apparent around us. We cannot survive without it and it is ingrained in our minds that we should acquire as much of it as possible. Because you never know when you will have a rainy day, or just want to travel to a beautiful island that is not so rainy. Good, bad, or indifferent, money is one heck of a driving force that we have to recognize and discuss.

As much as we are motivated to make money, we often do not consider the crucial relationship between what we do today and how it can impact our life tomorrow. Every dollar we save and every dollar we spend has a meaningful impact on our financial stability and security as we age. But rarely do we consider this connection when we buy that car, or take that trip, or purchase that house. We often justify careless and wasteful spending with the notion that we have the rest of our lives to save and make adult decisions.

But I am here to help you think mindfully about the choices you make. My entire life has been driven by a need to help people, specifically women. As a Certified Financial Planner for over twenty years, I have seen it all. The ups, the downs, and even the lefts and the rights. As women, we are pulled in every direction imaginable. We fight to create a career, to give birth and then parent children. Instead of relying upon others, I want you to develop a financially independent lifestyle. Over the course of my career, I view myself, and many of my clients, as what I like to call Designer Bag Ladies. This term is one we will discuss throughout the book, but for starters, a Designer Bag Lady is a woman who is extremely successful but still has fears about money. We all know one of them. She may be our neighbor, our best friend, a loved one, or even a colleague a work. She is widely successful, has it all, but still feels the need for reassurance and constantly doubts her financial stability and earning abilities. It is truly the notion of a modern day woman. I consider myself to be, a Designer Bag Lady and The Money Queen.

Throughout my own career, I have grown to see myself as more than a financial planner. Im also a teacher, a therapist, and counselor who, every day, seeks to help clients, friends, and family with all sorts of money related issues. I have a desire to share the lessons Ive learned through the years, not just the financial education I learned in college or the lessons learned through my professional development. I also get a great amount of satisfaction in sharing my life experiencesboth the triumphs and the mistakesin the hope that others will benefit from them, as well. In my mind, thats how the world turns. Sharing our experiences helps us to all become our best while learning to live a more authentic life.