001 - What's Financial Freedom & Confidence Anyway?


Join me on this introductory episode where I talk about the elusive and coveted notion of FINANCIAL FREEDOM - what is it, how to get it, why most people never reach it, and how YOU can become truly financially free.

I also share my personal journey to financial freedom, who I am, why am I qualified to talk about this, and what you must do to become a financially confident woman and experience financial freedom for yourself.

Unlike many personal finance or money podcasts, you won't hear more financial information and jargon about the best investing strategy, the hottest stock, or how you must cut coupons, save every single cent, and live a frugal life so you can retire by 30.

Instead, I believe that the very first step to becoming financially confident, independent, and free is to transform yourself. The person you are, your purpose in life, who you are being, your identity, values, and beliefs. Although I'm all about the mindset and identity, I'm also all about taking the right action to get real, long-lasting results.

This podcast will teach you the practical actions to take AND the deep inner work you must embark on if you want to become a financially confident woman, and ultimately experience true financial freedom.

Find out more on my website, 
Two Point Zero.
Download the free audio guide I mention in this episode here: 


Hello, and welcome to the podcast. I'm so excited to have you on this very first introductory episode. I'm Sharon and I'm the host and creator of this podcast. I'm also the founder of 2.0, which is a training company that teaches women how to stop worrying and become financially confident by mastering your mindset, identity, and beliefs about what's possible for you so that you can reimagine and create the life that you want. This part is it's all about how you can become a financially confident, independent and successful woman. So you can experience true financial freedom. But I do this a little differently than what you may be used to hearing from many other personal finance podcasts. And I'll talk about this more in a little while, but first here's a little bit of background as to why I'm choosing to start this podcast now, right in the middle of the COVID-19 pandemic, the pandemic has been causing a lot of anxieties and worries and fears about uncertainties, especially in terms of jobs and livelihoods that have either been lost already, or are at risk of being lost. And obviously this is creating a lot of fear and anxiety among many people. It's also a time where what we know to be true and familiar are being challenged for a long time. Many of us have the idea and belief that working in a large corporate job, it was the stable path and the path to financial security, you know, having your regular monthly pay on exactly the day, every single month, you get that money in. And that has provided financial security for many of us, myself included, but the pandemic has also shown that many big, large corporates are also struggling to survive. At this point in time with the global recession, many people have either been, let go or meet redundant. Even people who were working in these large corporates on a more positive side. Of course the pandemic has also helped us to have a deeper appreciation for our essential workers in what they do. People who are in the healthcare sector, people who are working in our grocery stores, people who are working in supply chain, our cleaners, our police officers, fire officers, and teachers. So all of these jobs that we use to just take for granted, I think a lot of people are truly appreciating what people in these jobs are doing every single day. The second thing that I'm really excited about is the pandemic has proven that work from home is possible for many jobs where we used to think that it was not possible. You know, we used to think that if we let people work from home, nothing's going to get done. People are going to be lazy and it's not going to work out. But we have found since the pandemic, when now work from home has become a default way of working that there are actually roles that this can work. I mean, of course there are some jobs that you still need to be in the workplace to get done, but there are also many jobs that actually can be done more efficiently and more effectively at home. And this has really also challenged something that we use to hold as true. And this brings to mind a famous quote by Nelson Mandela, who said that it always seems impossible until it's done and work from home is a classic example of what we once thought to be something that's not possible, not workable, but with the pandemic, it has actually forced us to give it a try. And in some cases is actually worked out for the better. And finally, the pandemic is also challenging and forcing us to think out of the box and question a lot of things that we have previously held as truths. And I see this as a good thing. I see this as a positive thing. It's forcing us to think about whether or not having one job is the only way to financial security. So you might be wondering who is this person who's talking to you? Who is this Sharon, and why am I relevant to address this whole idea about becoming more financially confident, overcoming your financial anxieties and worries? Well, I can relate to this financial anxiety of losing your job or potentially losing your job because a few years ago, I was also let go from a job that had the title and salary that I wanted. And at that time I was the primary bread winner. I was also a woman who was raised around very traditional values, where the man was supposed to provide for their families. So at that time, when I lost my job and I was thrust unwillingly into the bread winning role, I had a lot of my belief systems or what a health is true challenged. My financial security from a good job was lost despite doing everything right. Also, I thought I had a good education. I got good grades. I worked hard. I did what I was told. I climbed the corporate ladder, and yet I could lose it just like that. And that didn't provide very much financial security at that point in time. Secondly, you know, I also was raised around the whole idea that the men was supposed to provide for their wives and their family. A man was supposed to take care of their family, right. And yet I was thrust into this role of a primary breadwinner. And of course I took on this role kicking and screaming, like as if I didn't really have a choice and how this came about was because my husband and I decided to start a cafe. And at that point in time during the startup phase, it was not financially viable. And therefore between the two of us, I went back into a corporate role because my industry in human resources was a lot easier. I mean, I could quickly get back into a job and quickly get income coming in a lot quicker. And so we decided that my husband would be the one to stay in the cafe and to get the cafe going and to try to get it into a state where it would be self-sustaining unfortunately, it never got to that point. And after four years of trying, we decided to close it down because it was not financially viable. But by that time, we had already incurred quite a significant business that in trying to keep the business going, you know, at that time when I became the breadwinner and we were struggling financially, and then I lost my job, and then we had this business debt , um , of course that led to a lot of financial anxieties on my part, but also I held a lot of resentment for my husband because my entire belief system around how a man was supposed to bring home the bacon, my money is my money. His money is my money. At least that was my world. And when that didn't happen and it was the opposite, it was the reverse because I was the one bringing home the bacon. I was the one providing for the family's financial needs. And that led to a lot of resentment for my husband and obviously tension in our marriage. I became generally pissed off. I was just always pissed off, very negative living in a world of scarcity and not enough. And it showed up, you know, in not just in my relationships, but also at work. I was pissed off at bosses. I was pissed off at jobs. I was pissed off at the task I was assigned. Um, I was impatient with the kids and it was all because I was living in this world of negativity of scarcity of not enough, not enough money, not enough time, not enough capability, not enough recognition, not enough respect, not enough love. And my whole world was just about not enough. And it's really ironic because I am supposed to be this HR leader, right? I'm supposed to be someone who's risen through the ranks in the industry. We always a leadership Trina, and I'm teaching others how to change their mindsets and behaviors to achieve the results they want in their lives professionally. And yet my own financial and personal life was not in such a good shape. And that was when I decided to apply what I know in my professional life tool, my personal life, to try to make some changes over the years, since then, I transformed myself as an inches , worried about money into someone who knows that no matter what happens, I have what it takes to get through it. And it wasn't through learning any sort of complex financial or investing strategies or stock picking that I got to a point of financial confidence and freedom. What really helped me transform my life was working on my purpose, my identity, my beliefs, and my value system. And this is hardly the first place people think to start myself included, but this is exactly what will get you the biggest and most lasting results if you want to become financially free. So now my new identity includes taking pride in being a Brit winning woman in a traditional Asian society, providing a good life for my family, fulfilling my life's purpose by really excelling and doing work. I love and work. I believe in, and it's turning my false belief on its head. You know, my false belief that you can only earn good money through a big title in a job that would require me to travel a lot, work all the time and be away from my family. Now I generate multiple income streams through different roles, not just from one job, doing what I love without having to travel or be apart from my family, unless it's a travel or holiday that I want. And my family's with me. And instead I get to earn more money by working from home and spending even more time than I ever did before with my family. This really turn all those beliefs I had before really on its head, completely opposite and still achieving the goals that I want. I incorporated this company, the training company I talked about earlier, 2.0 exactly one year ago on the 1st of November, 2019. It's not my first business venture. You've heard about the cafe. I started with my husband and that was not the first as well. And as long as I'm alive, I'll continue to pursue my dream of becoming a financially successful entrepreneur. I incorporated 2.0 shortly after my dad passed away in October, 2019. When I realized that the best way to honor his life and his legacy is for me to never give up on my dream of becoming a financially successful entrepreneur, because my dad always taught us to do what made us happy, not what we felt others expected us to do. And his famous words are we must find a week . We must find a way to make whatever it is that we desire happen. And so, although I'm all about the mindset, I'm all about taking action. So of course you must still take action and learn a few things about managing your money well, but these actions are surprisingly easy and they're not difficult once you've mastered your mindset, your identity and beliefs, which are the harder part, which takes time and daily practice. And it's also not the first place most people think to start with. Instead, most people liked me before I learned all this. Most people start with all the action that they need to take. They learn about all the financial tactics investing strategies, how to pick a stock, how to do a stock analysis as the means to gain financial freedom. But that's not the best place to start. Most people start with all that action while their mindset, identity and beliefs are still stuck in the old way that didn't get them the results they wanted in the first place. Then they wonder why all that action they've taken doesn't work. Then they give up and NSA is no use financial freedom. You'll never get it. Or it's so hard to find. So before I realized that it was my mindset, my identity, beliefs, and values that were getting in my way of financial freedom, financial confidence, and that this was precisely the thing that I needed to work on. I was at a point where I kept hearing myself say, Oh, maybe I'm just not cut out to be an entrepreneur after all, if you try so many different ventures and it still didn't work out, probably you just don't have what it takes. You know, maybe I just don't have what it takes to be financially independent and successful. Maybe I just really need to have someone as my backup plan financially. And this was the voice that was playing in my head. It was self doubt. And self doubt is the biggest killer of our dreams. You doubt yourself, you doubt your ability to get what you desire. That's deep in your heart. So you give up on your dream. You give up on yourself, you give up on your life. But as the Dalai Lama said, sometimes things go wrong. That's normal, but we have a scene in Tibetan nine times, fail nine times. Try again. I've had a deep desire to be my own boss, to be an entrepreneur for a long, long time. It's been years. I just didn't know how it would happen. And I didn't know when it would happen. I tried all sorts of things. And as I said earlier, I even ended up in debt and still I wasn't getting closer to my goal of becoming an entrepreneur. So I thought I failed and just wasn't meant to be an entrepreneur. I just don't have what it takes, but as one of my learners, so wisely taught me the journey is the goal. By staying open to the how and the, when that I will achieve my dreams, whether it's through a single job with the title and salary, I wanted it all through multiple roles and multiple income streams. I just have to stay open to the how and the win and focus on fixing my mindset, my identity, my values, and my purpose, because meaning and purpose can come from what hurts us the most. For me, what hurt me the most was my personal financial crisis. When I lost my job and experiencing the laws in my marriage, my businesses, and it was through that, that I found my purpose and my meaning besides being a great mom and wife to my family, my purpose and mission is to help other women be financially confident, independent, and successful. One of the things that helped me work on my mindset, my identity and beliefs is applying Robert Delta's logical levels to discover my life's purpose, to change my identity, my whole value and belief system. So let me briefly explain how those, this logical level works. And if you want a more detailed explanation of how to apply it to your life, download my free audio guide, which you can grab@twopointzero.me forward slash audio. And I'll leave this link. Also in the show notes, Dells explains the logical levels as a way that we experience the world around us. So if you can imagine a pyramid with six levels or six layers, right at the bottom of the pyramid, the base, the biggest portion of the pyramid, you have environment, and this is literally your physical environment. This is where you live the country. You live in the house, you live in the place that you'll go to the school you go to. So that's your physical environment above the level of the environment is behavior. So behavior are the actions that we do in our physical environment. What do you do at work to get your work done? That's your behavior above behavior is the level of capabilities. Or sometimes you can think of it as skills. So if you carry out certain actions at your workplace, you might need to have certain capabilities and skills in order to carry out that action and do that behavior at your workplace above capabilities is values and beliefs. So that's the fourth layer up values and beliefs. These are what you believe to be how the world works. What's right. What's wrong. What's cause and effect. If you do something, you expect something else to happen. That's the level of values and beliefs above the level of values and beliefs is identity. This is all about who you are, what kind of a person you are. So if you're someone who's very responsible, organized, and dependable, you get things done, then that's going to be the sort of person you are. And that's really going to drive what you feel is right and wrong. And the actions that you do. So if you're dependable, you keep your word. You don't feel that it is right for you to break a promise to someone. If you told someone, you'll get something done, you'll get it done. No matter how busy or tired you are, because that's who you are. You're someone that others can count on. So that's your identity. And at that very top of the pyramid, which is the six level is what builts calls, purpose, or spirituality. I prefer the word purpose. It is more encompassing and also spirituality. Sometimes misleads people to think that it's only religion. So although religion falls in this level and the spirituality, but spirituality is way more than religion. This is the idea of who else, what else are we here for? Who else are we here for? It could be a cause or a mission that you support. It could be your family, because everything you do is not just for yourself anymore. It is for your kids. It's for your, your spouse, it's for your families, for your parents. And so it is beyond you. This is something that is beyond just yourself. The thing about how Delta's logical levels works is that most people, when they see something they don't like, for example, they want to have financial freedom because they feel like they always never have enough money and they want to have more money and have financial security, right? So we work on the level of an environment and what do we do when we work from that level, we look at, what's not working. We look at the money we don't have in our bank account. We change our jobs to get a bigger job, a bigger pay, more recognition. We work on a promotion because we want to have more money, right? So that's really working from the level of our environment and our behavior. So what we do differently, we find a new job. What we do differently. Maybe we worked really, really hard to try to get the recognition in order to get that promotion. And in order to do that, sometimes we may need to get some new capabilities and skills, right? We need to expand what we are able to do. Therefore we learn some new skills, but most of the time we stop there. And that is the reason why we don't get the results that we want to see in our lives. At least not in the longterm. We don't actually look at our values, our beliefs, our identity, and our purpose, which are the top three levels in Delta's pyramid. Because what Delta is saying is if you work from the bottom up, you may, you may be able to see the change and the results you want in your life, but it's not a guarantee. And that's when sometimes people give up, because what you're trying to do does not align with your purpose, identity, and values. And then you will slip back to what is in alignment with your values and your beliefs and your identity. If your identity is someone who is not confident around money, not confident around your own capability to generate all the money that you want. And your identity is someone who will always be falling back on someone else and be dependent on someone else, whether it's a job or somebody else for money, then your actions are going to revert back to that kind of an identity over time. Instead, what deals is saying is when we work from the top of the pyramid down, which means we start from our purpose, we start from our identity. We start from our values and beliefs. When we work from the top down, it always guarantees that the lower level will change. And in fact, if you start from purpose and work through your identity, your identity and drives the values and beliefs or what you believe to be right in this world and the way the world ought to work, that will then drive the kind of skills you didn't seek to get the new capabilities that you get in order to support that identity. And when you have those new skills and capabilities, your actions therefore will reflect, you will apply those new skills and abilities. And what happens in your physical environment ends up being a byproduct of your purpose and your identity and your values and beliefs of the higher levels in the pyramid. So that's how this Dilts logical levels really helped me in terms of transforming my own life. It was only when I realized that I was working from the wrong way around. I was still living with an identity of a financially dependent person. Therefore I did not have the confidence in myself, whether it's in a job or as an entrepreneur. And that was what was preventing me from getting the results that I want. So what can you expect from this podcast? Well, you'll definitely want here more financial information and financial jargon about the best investing strategy, the hottest stock , or how you must cut coupons and save every single cent and live a frugal life. So you can retire by the age of 13, or I may talk about these a little bit in terms of the practical actions, but I believe that the very first step to becoming financially confident, independent, and free is really to transform yourself. That means transform the person. You are your purpose in life, who you are being. What's your identity. What are your values and beliefs? Do you believe you have what it takes to be financially confident, independent, and successful. If deep down, you still see yourself as not good enough, not capable enough and dependent on others. I don't care whether it's a job, a husband, a dad, the government, whatever. As long as you see it, as something external of yourself to provide for you, you will never be financially free. So in each weekly episode, you'll learn the practical actions and the deep, deep inner work you must do. If you want to become a financially confident woman and ultimately experienced true financial freedom. And I do this through a combination of guests interviews, and also me sharing ideas, tips, frameworks, and strategies about how you can become financially confident and independent and free designing and living a life. You want. The idea here is to lift others by sharing our journeys, how we've come to terms with challenges we face in our lives. And I'll be talking to guests on this podcast about how they have overcome the challenges they face in their lives and how they are living their own version of a successful life. As a financially confident woman, dr. Edith, Eva Eger said in her book, the choice, celebrate the choice to dismantle the prison in your mind, brick by brick, you can't change what happened. You can change what you did or what was done to you, but you can choose how to live. Now you can choose to be free. So financial freedom is really a choice of your state of mind and your state of being. It's not about more financial knowledge alone. You have to make this choice first to work on your purpose, your identity, your beliefs, and your values, who are you becoming. Then take the actions to become this type of a person. And that's when you can become a woman who is financially confident, independent, and free. So doctor either his mom also shared this quote that she shares with the rest of us. We don't know where we're going. We don't know what will happen, but no one can take away from you. What you put in your mind. That's really powerful. And that's really the principle from where I work on in terms of true financial freedom, true financial confidence, and independence. Thanks so much for listening. And I'll talk to you again soon.


Receive free updates with fresh content and all new guests.

The Financially Free Woman Podcast Host


The Financially Free Woman Podcast was launched in November 2020 during the COVID-19 pandemic to share the stories of everyday people making a living doing what they love. While training her students in leadership and mental resilience, Sharon noticed the rising level of financial stress and anxiety experienced by many of her students. It dawn on Sharon that this was an opportunity for her to share how she overcame her own financial anxieties triggered by her personal experience with a 6-figure business debt and being let go from her job as the family's primary breadwinner. She began sharing everything she learned about mastering not just the practical side of money but also her mindset around money. Through this work, Sharon began meeting and building a community of women creating and living their dream lives. The Financially Free Woman Podcast is a collection of stories, practical tips and strategies to help you discover your passions, and use them to make a lucrative living. Imagine a life where you spend your time doing what you love and getting paid well for it! That's exactly what these women featured on the podcast are doing and they tell you how! Get inspired and start creating your own your dream life!


See previous episodes by selecting your preferred options below!