Creating Unshakeable Self Confidence
This podcast teaches women just like you to have the self confidence to express who you are so that the world KNOWS you just by looking at you. Style is the outward expression of the way you feel about yourself on the inside. There is a confident stylish woman inside of you, and as your style coach, it’s my job to help you find HER. So you can look stylish and feel confident every single day. I invite you to learn more by visiting me at sheribrasier.com
Creating Unshakeable Self Confidence
118. Financial Empowerment and Stylish Confidence: Transforming Your Wardrobe and Wealth with Germaine Foley
Imagine blending fashion with finance to enhance your self-assurance. In this episode we explore how personal style can elevate your confidence and financial well-being, introducing the concept of maintaining a "minimum baseline" in both your wardrobe and savings. By integrating timeless wardrobe pieces with strategic trendy additions, you can boost your confidence and stay true to your financial goals. Germaine's approach to aligning style with daily activities and financial aspirations provides a refreshing perspective on building confidence through thoughtful fashion choices.
Connect with Germaine here:
Free Training
How to Build Wealth WITHOUT Going on a Strict Budget
https://www.germainefoley.com/wealthclass
The Wealthy Woman's Podcast
https://thewealthywomanspodcast.buzzsprout.com
https://www.instagram.com/germainefoleycoaching/
About Sheri Brasier:
Welcome to Creating Unshakeable Self-Confidence, the podcast for ambitious, stylish women ready to elevate their personal style and professional success. I’m Sheri Brasier (Bray-zure), a wife, boy mom, entrepreneur, motivational speaker, Advanced Certified Life Coach, and Personal Stylist.
For years, I felt stuck in my own style struggles. Balancing motherhood, running a business, and navigating leadership roles left me feeling like my wardrobe—and my confidence—no longer reflected who I was. I know what it’s like to feel frumpy, uninspired, and unsure of how to step boldly into a room. But I also know what it’s like to come out the other side, rediscovering my unique style and building the unshakeable self-confidence I needed to thrive.
Now, I’m here to help you do the same. I’m certified through the Life Coach School and Advanced Certified in Faith-Based Coaching with Jody Moore. Over the years, I’ve had the privilege of teaching in various coaching programs, presenting at Pinners Conferences across the nation, training employees in business workshops, and guesting on multiple podcasts.
In each episode, I’ll share the style secrets and mindset shifts that transformed my life, helping you create a polished, authentic look that empowers you to show up as the best version of yourself. Together, we’ll tackle mental roadblocks, rediscover your brilliance, and unlock the confidence to step boldly into y...
Welcome to the Creating Unshakable Self-Confidence Podcast, the podcast that teaches women just like you to have the self-confidence to express who you are, so that the world knows you just by looking at you. Style is the outward expression of the way you feel about yourself on the inside. There is a confident, stylish woman inside of you and, as your style coach, it's my job to help you find her so you can look stylish and feel confident every single day. I'm your host, sherri Brazier. Let's dive in Jermaine. Thank you for coming to the podcast today. I'm so excited to have you here thank you for having me.
Speaker 1:I'm so excited this is going to be such a fun conversation, so we don't know how this conversation is going to go. It's it's organic, so all of everyone that's listening just gets to peek in and and eavesdrop on our fabulous conversation, and I just love eavesdropping into conversations on podcasts, so I think that that's a super fun thing to do. So I want you to tell us who you are, tell us what you do, what is your business, where you live. If you're married, do you have kids? Where did you grow up? Anything that you want to tell us? We would love to hear all of the things. So let's start with that.
Speaker 2:Okay. So if I forget anything, just let me know. Okay, okay, okay. So I'm Jermaine. I am a life and money coach, jermaine Foley, and it's Jermaine with a G. I always like to say that because a lot of people spell theirs with a J. Oh, really, yeah, yeah, yeah, yeah. So Jermaine with a G, and I love helping women with their money. So typically I work with women who are good at making money, so they make good money, but they're always wondering where it went. They are not building wealth, they're having trouble accumulating savings, paying off credit card debt, investing and even you know, I even push them to earn more as well. So that is my jam, and I love to help people do this who are kind of like you know, the kind of lady who likes nice things. Because I believe yeah, I believe that you can build wealth and still enjoy life and still look good. So when you invited me on, I knew that we will be a perfect fit.
Speaker 1:Yes, yes, I love all of the things. This is going to be so good. So tell me what your. You told us a little bit about your client and what where they're at, and tell me I would love to hear an example of one of your clients Like what are they struggling with, what are their thoughts that they're having and how do you help them through it?
Speaker 2:Yeah. So I work with women who are they could have their own business, they could be a coach, they could be in their own career pharmacists, doctors, lawyers, real estate agents I mean, there is just a woman who's making good money. So one lady that I'm working with now, she is a pharmacist. She's doing very well in her, her career, she works for a big hospital system. She's making really good money and she her problem is she calls herself a compulsive shopper.
Speaker 2:Okay, which means with that, yeah, which means, like she said, whenever I'm bored, whenever I have like free time, whenever I feel stressed, whenever I'm frustrated, she's just like I turn to shopping, and so with that, she is stuck in a credit card debt cycle where she, you know, tries to get out of it. Maybe she does sometimes, but then she finds herself right back in it. She's not saving like she wants to, and she wants to be investing more. She's getting her match at the hospital in her 403B she's contributing to, but just to the match, nothing more. So she wants to go beyond that, and so my job as her coach is just to help her to find that balance between doing all of those things but still keeping some of the things she loved in her life. She likes to travel, she likes to hang out with her friends, she likes to look good. So I help you just figure out how to do both, how to build wealth and live your life at the same time.
Speaker 1:Oh, I love it so much. I love, love, love, love, love that. So tell me about your family. Do you have, do you have a family that like are you married and have kids, or do you have siblings and parents that live close or not? Like, tell me a little bit more about your family.
Speaker 2:Yes, so I have two sisters, I'm the oldest of three girls and I have two teenagers. So my son is nine. Oh, I should say my sons are 19 and 17. I'm married and I love. I'm in. I'm in this stage of life where I have a lot of free time, which is kind of cool, because I've spent the last two decades almost just running kids around everywhere.
Speaker 1:Yes, yeah, yeah, and honestly I that's. I mean, that's the stage of life I'm in and I think that's the stage of life that a lot of my listeners are in. We're all kind of in that creeping up on empty nesters, but we still have our kids at home and they still need us, but we're we're kind of it's opening up to us that we're going to be empty nesters and our kids are going to be leaving the nest, right.
Speaker 2:Yes, I can totally relate to that.
Speaker 1:The. The thing that is coming up to me in my mind is what, what would you like? Do you have any advice for women that are in that that stage of life, in like, if they don't have a job, they're not the ones earning the money, but they, they kind of feel like, what do I do now?
Speaker 2:What do I?
Speaker 1:what do I do now? Do, cause a lot of my clients would be like well, do I need to go get a job? Like? What do I do now? I've just raised kids and been a mom and I've loved it and it's been so good and my husband has a great job and he makes a good living and we don't really necessarily need money. But I mean it's always nice to have more money. I mean, if I had more money I could spend more money, right, but is that what I need to do? Do I need to go out and get a job? Like what? What would you tell them?
Speaker 2:Yeah, I would tell them to answer the question. Like if the question you're asking yourself is what do I do now I would get a piece of paper and I would write that question at the top of the paper and then just answer it. Because whenever we ask ourselves questions, whenever our brain is presenting us with questions, that means we have the answers inside of us. But sometimes we don't know until we start just writing. And I mean, you just never know what might come out of that. Sometimes, just for me, sometimes I just feel anxious for no reason and connect with my body. I'll try to breathe through it and, you know, relax. But then sometimes I'm like, okay, why am I anxious? And I'll just write the question at the beginning or at the top of a piece of paper and then all the worries will just be on the paper. I'm like, oh, this is why.
Speaker 2:Yeah, yeah, and then I can kind of you know, some of them are like nonsense, Like why are you worried about that? You don't need to worry about that. Like worrying won't prevent it from happening. If it does. If it does happen, you'll figure it out, Right, and then other things. It's just your brain trying to nudge you in a new direction, and so if you're like that.
Speaker 2:Yeah. So it's like if your clients are wondering, maybe their brain is just like, Hmm, there's something else out there for us. Let's, what is it? And then you know, just give yourself an opportunity to explore it. And you may not find it at the very beginning of this process, where you're just exploring what's in your heart. But if you keep exploring, I think you'll find out.
Speaker 1:Yeah, one step at a time. Yeah, I love that. I think that's great. I love that the way that you've that, way that you've described that, because I and I love that, if you're asking the question, that it's inside you, something's giving you a little bit of a nudge. I have, I have some clients that and some friends even that are like I just don't know what my purpose is and like having that feeling of not having a purpose is kind of a not very fun feeling to have. Like that isn't very fun, right. And so I love that if you are feeling that you should ask yourself what it what, what's that thing? You should ask yourself what it what, what's that thing? What's the nudge? What is it pointing you towards? Right? So, and I I mean because I'm a personal stylist, I always you know, and what my experience has been myself and with clients, because I've also been a hairstylist for 28 years, so I've my whole life I have been working with women to help them feel beautiful. That is that's what I've done for my whole life.
Speaker 1:And so for me, when someone says I don't know what my purpose is, then I go to how are you taking care of yourself? What are the things that you're doing to take care of yourself, and where is your own feeling of self-worth and where? Where is that when? Where are we at there?
Speaker 1:And people will always say to me like, you just always look so put together and you always look pretty and you always look, you know, your hair's always done and you always have cute clothes and blah, blah, blah, whatever. And I said and how does that make you feel when you, when you see me and you have those thoughts, how does that make you feel? They're like well, I just feel like I'm not enough, I'm not like that, so there must be something wrong with me. And I and I always think that's really interesting and I, you know, I always ask, like, well, what do you want to do? What? What do you want to do with that? Do you want to look more stylish? Do you want to look more put together? Like what? What do you want? And it's interesting to me that there are so many women that have never asked themselves that question.
Speaker 2:Yes, just exploring what do you want or what do I want, because we have been taking care of everyone else's needs for years and it's just like, oh, it's okay to take care of my needs, it's okay for me to want.
Speaker 2:So it's very it makes sense to me that, yeah, people would be, you know, not really knowing what they want and wondering what their purpose is, because everything that you know we've done has been tied up into our kids, and that's one thing. I don't know how I got to this point, but that was one thing I knew from the beginning. I did not want, I didn't want my life to be all about the husband or all about the kids. I wanted to make sure that Jermaine was still intact, intact, because, truthfully, like I am more than a mom, I am more than a wife, I am a full human being that's on this earth to live out my life.
Speaker 1:And your purpose.
Speaker 2:And my purpose Exactly, and so I think that was something that I don't know why, but it was just something I knew I didn't want to do. I knew I didn't want to do, I knew I wanted, and then it was just like I knew that this day would come, where, in a couple years, I would be an empty nester. And then I knew I wanted to still have things for myself when they went off and started to live their own lives. And if you're listening to this and you have not had that epiphany, or you did not have that epiphany years from now or years ago, it's not too late, you can have it today.
Speaker 1:Yeah, if you're today years old and you're like, oh, I thought about that, right, it's okay, it's not too late, it's not too late, I always think it's. I've always thought that it was kind of odd that we work, work, work, work, work until we're 65. And then when we retire, we sit.
Speaker 2:Yeah, well, in my line of work that is the message that sent. It's kind of like scrimp save, don't do anything now and wait until your retirement to like live and that just never set well with me either, cause I'm like, okay, when I'm like in my seventies, like I'm not going to have, I mean, maybe I'll have as much energy, but I want to enjoy life today too, like and in my seventies.
Speaker 1:So yes, yes, so true, exactly so true. I've always been an entrepreneur. I Exactly so true. I've always been an entrepreneur. I think I've just had that vibe or that sense since I was younger I didn't really know it then, I mean, I didn't know it then and I don't even think I even had that awareness until recently that I've just always been an entrepreneur and what that means. And that just means I can't sit still. I just always have to be creating something, I always have to be doing something, and I don't know making something Right. And so I was like you, as a young mom, as a young even before I got married, I didn't want to just be a mom and a wife, although I did want to be a mom and a wife. That was very important to me. I like really important to me that I wanted to be a mom and a wife, but I also wanted to keep myself intact.
Speaker 1:I also wanted to be me. I wanted to make sure that I kept that awareness. I guess Now there were times in motherhood where I was all in on being a mom and that was all that I had time to do. I still worked, but that was all I had time to do was to be a mom and I loved. I love that. I had that experience. I've loved being a mom, I've loved being a wife, I've loved having the family. I've loved all of that. But I'm really glad that I still kept myself intact along the way. At some level. I'm way better at it now, but I've had coaching to help me manage my brain and all of that Right Um. So, taking a little bit of a turn, how do you feel that style has helped you achieve that? Keeping yourself intact?
Speaker 2:Such a good question. Um, I am one of those individuals that won't go out the house looking a certain way.
Speaker 1:You know how sometimes I mean I will go out.
Speaker 2:Yeah, I mean I'll. There's like a baseline like there. I will not go below this baseline. I don't have to be dressed all the way, but I'm not going out just looking, not looking a certain way, I should say. I get complimented a lot on my style and, honestly, part of my story is I became a money coach because my money was a hot mess and part of it was because I just love to shop all the time.
Speaker 1:Yeah. You're like I resonate with you that one. You want to shop all the time and have high credit card debt.
Speaker 2:Yes, and so I really had to work on that, and then, at first, I thought that I would have to, like, just stop shopping in order to, you know, be responsible quote unquote responsible with money. But that wasn't true. Like, I figured out how to buy things, and you probably would like this. I buy a few trendy things every now and then, but the classics, like the things that don't never go out of style. I feel like I always have something in my closet that I can pull out and look, put together. Some of the blazers that I wear today are like 10 years old yes, yeah, and they still look good, and people are always like where'd you get that from? I'm like I got it from this place, but it was like a decade ago, I'm sure you can't find it anymore, You'll have to look for something similar, because this one you're not going to find.
Speaker 2:You're not going to find this one, and so I think that looking good it does something for you on the inside, the way you show up, the way you present yourself, how confident you feel. And so to the ladies that look at you and admire you, you know I can see why they would admire you because they want to feel that way too, they want to look that way too, and good thing that you can help them do that.
Speaker 1:Yeah Right, and it's really not as hard as people think it is. You just have your baseline. I call it a minimum baseline, and I think there's so many people that just have never really considered, oh, I do have a minimum baseline. Actually, I do have one, and sometimes I don't hold myself to that, and that's on me, that, and that's on me, yeah, right, and it's that awareness I feel like. It's that awareness that when I hold to my minimum baseline, I feel better. Yeah, because that is true.
Speaker 1:Everyone tells me that that's not just for me and it's not just for you. Everyone tells me that when I stick to my minimum baseline, on purpose, with intention, I feel better and it's easier to add something, to look a little bit more elevated when you have your minimum baseline. Always then you add something simple, yeah, and you have an elevated look and it's a lot easier to be put together. It's a lot easier to feel like you're put together when you have a minimum baseline. And what I did which I didn't realize I did until I started this business is I just worked from my minimum baseline and just added something to it and then that was my minimum baseline, which, oddly, I wonder if that's what you start, if that's what you tell people about money.
Speaker 2:Yeah, start where you are and then go up from there. Yeah, one of the things I teach is you know, let's say you have a goal to have you know I'm just going to pick a number, because this is a number I hear often is $20,000 in savings, like liquid savings that they can just put their hands on anytime they want. And I say, okay, let's start with. Do you have a thousand? Let's start there.
Speaker 2:And then let's go to five, and then let's go to 10 and let's celebrate yourself along the way. So, yeah, it's totally very similar where you're just taking one step at a time and then you go up a notch and get used to each goal, right and so that you can sustain it. So when your clients, you know, get used to their minimum baseline, like this is just the new you, this is just your new standard never going below that again.
Speaker 2:And then you just elevate one notch and you keep going. And then you just elevate one notch and you keep going.
Speaker 1:Yeah, it's it. It's crazy that there's so many parallels in life that are just like that. Yeah, and if I, if there's one thing that I hear the most from from random people and from my clients, just from whoever when I tell them things like this you know, like, how do you look so stylish all the time? How do you be put together? I have no style, I can't do that whatever. Blah, blah, blah. And I'll tell them minimum baseline is one of the one of my key things that I talk about. The other thing that I talk about a lot is your lifestyle categories. What are you getting dressed for?
Speaker 2:I have something similar.
Speaker 1:Yeah, what are you saving for? What are you spending your money on? What is it that you actually want to spend your money on? What are you getting dressed for? And then do you have those clothes in your closet for that thing that you're getting dressed for all the time and people will say to me I've never thought of it like that before. That's what they say. I've never thought of it like that before. That's what they say.
Speaker 2:I've never thought of it like that before.
Speaker 1:Minimum baseline and then work from there. I've never thought about that before. You know five lifestyle categories. What am I getting dressed for? I've never thought of that before. Oh, I just need to save a thousand dollars and then that's my baseline. I've never thought about that before.
Speaker 2:Right, like that is what the whole thing is when you don't know, you don't know, yep, and then you just keep going up from there as you kind of like get used to that first baseline than the next. I'm just curious what is the minimum baseline for wardrobes, like I'm curious about?
Speaker 1:like what's the rule? Is there a rule? I I don't think. I. I mean, I don't think that there's a rule necessarily. I mean I guess I would say probably. I mean what I would go to if you were one of my clients. I would say what's your outfit formula? We've got to figure out what your outfit formula is. For me, my personal outfit formula is going to be I'm I'm going to have some kind of a heel, because I like heels.
Speaker 2:Like I just am.
Speaker 1:I'm going to have a little wedge or I'm going to have an actual heel or something like. I'm going to wear a heel 80% of the time. I'm going to be in something that has a heel. Um, I do like jeans, but only for like I would dress them up.
Speaker 1:I don't wear like on a regular day. I don't wear jeans and a t-shirt or jeans and a sweatshirt. That's just not my outfit formula. I'm going to be in a blouse, like I have on today, a pair of slacks or a pair of jeans with a heel. That is my outfit formula. I'm a little bit people tell me that I'm a little. I have a dressier minimum baseline, so I translated that into an outfit formula.
Speaker 1:Some people are like I wear t-shirts, jeans and a blazer, like most of the time. That's what you're going to see me in. Okay, that's your outfit formula jeans and a t-shirt and a blazer, and then maybe a sneaker or some kind of a booty. Let's say that would be your minimum baseline, that would be your outfit formula, and then we would go up from there. We would love it. Whatever event you have going on, like are you getting ready for work, are you getting ready to, you know, run errands, are you going on a date we have your outfit formula, that's your, your minimum baseline, whatever that is for you, and then we add things to that to create whatever event outfit that you're going for.
Speaker 2:I love it. I think I'm the second one.
Speaker 1:Which is the t-shirt, jeans and blazer.
Speaker 2:Yeah, and it may be not a t-shirt, but like like that's exactly what I'm wearing right now.
Speaker 1:Yeah, yeah, Right. So, um, what you? The top that you have on right now, I would term that as a beyond basic. Okay. So, it's not like a graphic tee and it's not really a t-shirt, but it's not a blouse and it's not a button down, but it has a little something. Something got a little.
Speaker 1:Yeah, it's got a blouse and it's not a button down, but it has a little something something got a little something yeah, it's got a little ruching and a little, you know, it's got a maybe a lace around the neck or you know something that just elevates it just a little bit. And then you put on a blazer and a pair of jeans and a heel and that is a. That's a put together look. And you don't even have any jewelry on, just a little earrings. Yeah, very simple, very classic, very put together.
Speaker 2:Awesome. So I'm excited cause you're coming on my podcast, so I'm going to have all kinds of questions for you.
Speaker 1:Yeah, let's do it. I love it, I can't wait, I can't wait, yes. So with your clients and with, I mean and you can even say for you as well too, what, how does your style affect the way that you run your family, the way that you run your business, the way that you run your life?
Speaker 2:Yeah, I just think my style is just, it's just a part of who I am at this point, so I never really thought about how it translates into my business. But I do have a minimum baseline for how I will show up to a coaching call. Okay, right, I will never, ever show up to a coaching call like in a hoodie or you know, and sometimes I do wear hoodies just around the house and if it's cold or if I, you know, I'm going to my son's football game, I'll put on the hoodies and all that. But if I had a call, I'd be like, okay, off with the hoodie, on with the you know shirt and a nice cardigan or something. And so and it is something that I am pretty adamant about with my kids too Like I don't love when they try to walk out the house with wrinkled clothes on, I always, you know, try to teach them depending on where you're going.
Speaker 2:Teach them depending on where you're going. You know you need to look a certain way. My oldest son is in college and he was home this summer and he wants to be a doctor. So he was shadowing lots of different positions in our community and I made sure that he understood how he was supposed to be dressed for those instances. Like do not try to go with joggers on, like that's not going to work Right.
Speaker 1:Yeah, so yeah, and that goes into my lifestyle categories what are you getting dressed for? Yes, what are you getting dressed for? What is appropriate for you to be wearing to that event? And then how can you bring your own style and your own flair I call them your style elements how do you bring that in to where you're going and what the event is and how you're presenting yourself, right? So I love that. I think that's great. Yeah, I love it.
Speaker 2:Yeah.
Speaker 1:And.
Speaker 2:I have to say too that when I first met my husband his style was a little questionable. And now I mean, he has definitely taken a note or two and he now he's very stylish for a guy, like very, very stylish, not over the top, but you know, he he makes sure, he makes sure that he looks good wherever he goes.
Speaker 1:So how did that tell me how that happened, Like tell me, like look back and kind of tell me how that kind of happened.
Speaker 2:Okay, so the very first date that we went on where we had to dress up, so it was actually to church, okay, and he wore like this leather jacket that was peeling, the shoes were just like these brown loafers that were faded and and his tie, you know, was old. It was just old like an old man's tie. He was like young and I knew then and there I was like, okay, I like this guy, but we got to work on these clothes.
Speaker 1:I love it. That cracks me up.
Speaker 2:And so over time, I you know, I. Just one of the first things I said was, hey, those shoes and that coat, we just got to get rid of them. And one of the first things I did for him, the one of the first presents I ever bought him for Christmas, was a new leather jacket. Oh, I love it and so. I didn't tell him that he had to get rid of it until I found a replacement.
Speaker 1:Yeah, we're going to swap these two out, let's just swap Um.
Speaker 2:And then I bought him a nice pair of shoes and to this day we talk about it. He's like well, now I dress better than you. I'm like, oh, questionable, because you still get advice from me.
Speaker 1:So yeah, that's right. That's right. I tell you what to wear, so exactly, I tell you what's appropriate and what's not.
Speaker 2:Yes, that is so funny, that's great.
Speaker 1:So do your kids like to dress stylish, like are they? Have they kind of gotten it, or are they just doing it because they know that's the standard?
Speaker 2:Well, if we go on vacation or we go out to dinner, they know that they need to. You know up level a little bit, but for the most part I let them just be boys. But they know that okay, if we're going out, then we gotta, you know, wear something nice. My youngest goes to private school so he's wearing a uniform every day. So you know he doesn't really try to dress for school. He does, like his shoes.
Speaker 2:You know, he does like his shoes, so that's the one thing that they let them wear. You know, whatever they want, they could wear whatever shoes they want. So, mm-hmm, they do well, and especially when it's time to dress up, like for homecomings and proms. You know, they really put a lot of thought into those outfits and I help them with that as well.
Speaker 1:That is awesome. That's awesome. What do you think your clients would want to ask me if they were here? We'll get onto this with your. We'll get more into this on your podcast, but I know that some of my listeners would love to hear what your clients would ask me. But I know that some of my listeners would love to hear what your clients would ask me. They would want to know how can they look good without overspending. I am so glad that you said that, because you heard it here first.
Speaker 1:My workshop that I'm going to do in December is looking stylish on a budget and I going to do an hour-long free workshop workshop in december particularly and, if I well, we'll have to have me on your podcast before then and I'll make sure that when is it um uh december fourth, I think, is what I have it on we'll definitely sure we air.
Speaker 2:Maybe we'll air it at the end of November or somewhere where people can register for that. That'd be great.
Speaker 1:Because I think that that would be really good for them. If that's a question that they would have, then for sure. But I'll just answer. I'll just give you an answer right now, and we already talked about it, which is get your basics, get your basics in your closet, figure out what your basics are and everybody's basics are going to be different. But, um, as far as style goes, I have a free um, one of my freebies is style basics Every woman needs in her closet and it just is.
Speaker 1:There's lots of different options. Like you're going to need a pair of jeans or a pair of slacks, whichever is your style. You're going to need a blazer or a cardigan, whichever is your style. Like it's kind of you're going to need these particular things. Everybody needs to have some kind of a dressier shirt, depending on what your style formula is. Some kind of a dressier shirt, depending on what your style formula is. Like mine's a button up, yours might be a button up. Yours might be the shirt that you have on now. That's kind of a beyond basic type thing. But if you know that that's your outfit formula, then you need to get your basics down in your outfit formula so that you have multiple options in your basic because your wardrobe needs to be 80% basics and 20% trendy, whatever fashionable, whatever is happening, seasonal, whatever that is. So I have a fall style guide right now. That's out and one of the things that's in there is what are the things in your closet that are just always there, no matter what the season is? Those are your basics and I teach my clients how to do a basics capsule so they have a capsule wardrobe that's just basics, so that, no matter what season it is, no matter what the weather is, if you're going on vacation or if you're going to prom or if you're going to you know some date night, whatever, like it doesn't matter what it is you have your basics and you know how to put those together. Then it's easier to just pull in whatever season, whatever style element, whatever you have, and then you can budget from there.
Speaker 1:So you might spend. You know you might spend $150 on a coat, but you're going to have it for 20 years because it's a basic in your wardrobe. You know that that's part of your capsule, that's part of your basics. Because you have figured that out right, you might spend a little bit more. I always say I always recommend spending more on the bottoms and less on the tops. I always recommend spending more on the bottoms and less on the tops. So spend the money that that is in your budget on a good pair of jeans, if that's your style element, if that's your style formula, or a good pair of slacks or trousers, and then don't spend as much on your top.
Speaker 1:Like this is a top from H and M I think it was, I don't know $22. It's so cute and it's adorable and it will. I will wear it forever Like it's. It is definitely something that is going to last for a long time. It was, it's what I would call a classic and it's my style formula Like it's really blousey and you know it's got lots of moves, bows, and like that's just who I am, and it's really blousey and you know it's got lots of moves, bows, and like that's just who I am and it's leopard and you know that's just my style formula.
Speaker 1:So I would have spent more money on it because I know I'll wear it forever. I just didn't have to because I found it on a in a store that is cheaper, right? So that's what I would say. Looking good on a budget is knowing what your style formula is, knowing what your outfit formula is, knowing what your basics are, and going out and finding those basics, putting together a basics capsule so that you know what you have and what you're going to wear, no matter what season it is, and then you go from there to put your fashion and your style in.
Speaker 2:That is genius. I love it. So, yeah, I can't wait to have this conversation because I love style. I love to buy things. I know how to not overdo it nowadays, but I still enjoy shopping and I still enjoy. I actually just went to j crew a couple of days ago and I'm like, okay, I have everything I need, but I just want a couple, you know, warm, cozy sweaters just to add, and I don't really need anything else. And I just bought two, yeah, and I'm like, okay, I think I'm good for the fall now.
Speaker 1:So, yeah, yeah, I think, like I'm a shopper too, like I spend most of my budget on shopping and I always have, and I would say that I have been in your client's shoes where I want to save more, but I just like shopping and whenever any emotion happens, I need to go shopping. Any emotion happens, I need to go shopping, right, and I buy. You know, I have a new outfit every day, like it. It just that's that's how I am Right. And now I know, cause I've done the styling business.
Speaker 1:Now, now that I've done my styling as a business and I'm not just doing it for myself, I'm actually thinking about how do I put that together? What do I do in that? Like I've had to go into that and now I have oh, I have a system, turns out, I have a way that I do this, I have a way that I think about this, and now I need to put it on paper and teach it to people. That's where the basics capsule came in, that's where the style like that's where that all came from, because I was like oh, I have a style formula, like I have a, a formula that I put together for myself. Um, and so now when I go shopping. I know when I pick up the shirt. Does this go in my wardrobe? Does this fit in my style formula? Does this fit with my outfit formula?
Speaker 2:Or do.
Speaker 1:I just think it's fun.
Speaker 2:Yes, and that is where I go with my clients to get you to pause and ask those kinds of questions that'll get you out of that. You know, seek pleasure. I just want to, you know, get some instant gratification birth to versus that going to. You know, do I really want this? Is this going to fit? Do I love it? That's one of the questions I ask myself often, and you know how. Sometimes it's on sale or it's cute on the hanger and you put it on and you're like, do I love this? Yeah, and if, if you have any hesitation, it should be a no. It should be a no Yep, cause you won't wear it. It'll end up being a waste of money.
Speaker 1:Yes, yes, yes and you'll. You'll have regrets, and our closets are full of regrets.
Speaker 1:They just are, and that's what I tell my clients Like do you love it? And they're like well, I mean, I really like it a lot. Then, if they're, if they give me that answer, then I dig a little bit tell me what you like. Tell me what it is that you like. Tell me what it is that makes you not want to put it back on the shelf and walk away and if it's the price or if it's a good deal, I think you know that it should go back.
Speaker 1:We can find that thing that you love for the price you want, and this doesn't match the price you like but the item you don't love. So we can still shop. We can shop around and find the thing that you love with the right price. We can, and I think that's another thing is people, they don't know how to do that, and so then there's the scarcity that comes in and they're like but I have to have something for this thing and so this will have to do, so then they get the thing that has to do. They spend.
Speaker 1:We did this for my son's wedding two weeks ago. For my husband, he needed a pair of of pants for the wedding that he doesn't normally wear, the color that that was chosen, and the pants that he needed to have for the wedding for it to look the way the bride wanted it to look right, and she wasn't even a like she was. She didn't really actually care. I'm the one that cared like the bride had her color palette and I'm the one that cared what his pants looked like. Right, it wasn't her, she was like here's the color, I don't care like it wasn't her it.
Speaker 1:She was like here's the color, I don't care. It wasn't her, it was me. I'm the one who wanted it to look a certain way Right. And the pants that he needed I guess you could say they looked great on him. Like they did look great on him and and they were, they're great. He didn't feel comfortable in them. He didn't like them. Yeah, he will never wear them again.
Speaker 1:And they were a hundred dollars, yeah, and so I got them because I wanted them. For me, it was worth the a hundred dollars to get the experience that we had.
Speaker 2:And it was a special event. I think there may I think there are exceptions for special events for sure Cause I just bought a dress. We had a gala and I just bought a really cute dress. I mean, of course, I'll wear it again, but I'm like I don't know when I'm gonna wear this again, but this is the dress for this event.
Speaker 1:And.
Speaker 2:I, I went for it. So yeah, sometimes for special events you just go for it.
Speaker 1:And honestly, I have all boys and so one of my boys will wear those pants like they are.
Speaker 1:They're really nice pants and they're good quality and I have four boys, somebody will wear those pants. So whether they're not, whether they're for him or not, they were for that occasion and he wore them for that occasion and he looked amazing and it was great and he wasn't comfortable and so he'll probably never wear them again. However, I have two boys coming up actually three that could potentially fit into those pants. So that was another thing. I'm like yeah, we're going to do it. It's a special event, we're going to do it. There you go.
Speaker 1:So, there's that too. There's that too. So, and I think there's things like that for money as well. When you're thinking about money, you're going to spend, like we did for our wedding with my son. We spent the money that we wanted to spend for this occasion. We didn't have our normal. Well, we got to find that cheaper, and we got to find this cheaper, and we got to find the best deal on this. We got to find the best deal on that. It's like no, I want this for this occasion.
Speaker 2:And that's the beautiful thing about being intentional with your money so that you can do these kinds of things Like, if you are not intentional with your money, if you're not caring for your money, if you haven't increased your capacity to have money and to hold onto money when opportunities or events or experiences present themselves to you, you're not in a position to be able to do what you did or what I did for that dress, cause you are spending your money on random things that don't even matter. So I think that's such a good point that you want that's what money is for. Money is a tool. It's a tool to help you to experience and enjoy life, and it's also a tool to take care of you now and in the future. And if you're using that tool for other things to you know, manage your mind and to escape your emotions you're not going to have it tool for other things to you know, manage your mind and to escape your emotions you're not going to have it available for the things that you really want to use it for.
Speaker 1:Yes, yeah, I love that so much and I've learned so much about that recently, with money specifically, and it all has come from doing my business with style, because I've had to go in and think about why I do the things I do, so that I can teach someone how to get the results I get. And it's like, oh, I want, I don't spend money over here because I want to be able to spend it over here. Yes, I want to be able to spend my money on this because I really do believe that we have the money that we need for the things we value.
Speaker 2:Yeah, that's one of the first things I take my clients through is a values exercise, kind of like your. I think you call it the five lifestyle, yeah.
Speaker 1:Categories, categories.
Speaker 2:Yeah, I do the same thing, where we sit down and get super clear on what are your top three to five values and are you spending your money aligned to those values? And typically the answer is yes for most of the categories, but there's always financial security on that list, like people value there their financial security, but it's always at least the ones that come to me and it makes sense. It's always the one value that's under funded. Yes, yeah.
Speaker 2:And so it is like a great opportunity for them to see like, oh my gosh, this is one of my top values, and if you look at my bank account, you don't see it anywhere. It's not represented at all, and so it's just a great eye opener. And then you know we get them funding that value so that all of their values are funded. Some values don't necessarily need funding, but a lot of them do, and um, so I love that. Like if you stop spending money on random things that just sit in your closet and cost clutter, imagine how much more money you can have for the things you love yeah, yeah, and I, I do.
Speaker 1:I do think that that's the best exercise, and I think the way that you phrased it just then, at least it hit with me is making sure that the things that you value are funded. That's a really, really great way to say that. I think, like I want to have the things that I value funded. I want to be able to have the money there for the things I value, and if you don't know what it is that you value, then you don't know what to fund.
Speaker 1:Yeah, and recently yeah, recently I have. I mean, I've always known that I like to travel, but recently I've traveled a lot for different reasons. This year I was gone more than I was here, and I have realized that for me, and I have realized that for me, travel is important to me, it's important to me and I have my reasons for it and I like my reasons. And so to not have that funded has been really hard for me, and I didn't realize how hard it was for me until I asked myself, until I got really clear with the way that I feel about that and that it turns out is a value for me. And so now I know how to talk about it. I know how to ask for the things I need. I know how to fund it because I was able to get clear on what it was.
Speaker 1:So I've also done the same thing with style. Style is important to me, it's a value to me. It is very connected to how I feel about myself and how I show up and how brave I am in the things I want to, to go, get, to go after, and so I have to make sure that that's funded, whether it's my mind funded in my mind, meaning I have the right mindset around it. Funded in my bank account. Set around it. Funded in my bank account, obviously, and then funded in the way that I show up for it.
Speaker 2:I think that's important too. Yes, I love all of that, and it is something to just think about. It's just such a good thing to think about. So for me, my values are travels on my list, although the last two years I feel like I traveled a lot and so it's not as important because I feel like I've kind of I've done a lot of traveling.
Speaker 2:So I'm like, okay, it is important, but we're gonna dial it back just a smidge, just a little bit, just a little bit. And then appearance is definitely important to me, um, personal development. That is big in our world, in the coaching, entrepreneurship world, and it's interesting because some of my clients are coaches and entrepreneurs and sometimes they're overspending in their business, and we, we figure that out too. They're overspending in their business, and we, we figure that out too. And so, yeah, it's just a great way to just take inventory of what's important to you and then look and say, okay, am I allocating money to these things?
Speaker 1:Yeah, yeah, I love it. This has been such a great conversation, so fun. I love the direction that this went and it was just a fun, fun conversation. Thank you so much for coming. I just cannot tell you how much I appreciate it. It just has been so, so great, so great. So I thank you so much and thank you for having me.
Speaker 2:I'm so excited. You are welcome. To share all of all of what I know, with all the people. So thank you.
Speaker 1:And I know that there's people that are like um, how do I get some more germane? I need her in my life, so where can they find you? How do they connect with you? Tell me how that happens.
Speaker 2:Yes, so since they're listening to your podcast, they probably like podcasts, so I have one. It's called the wealthy woman's podcast. Oh, you're listening to your podcast. They probably like podcasts, so I have one. It's called the wealthy woman's podcast.
Speaker 1:You can find it?
Speaker 2:Yeah, you can find it anywhere you listen to podcasts. I also have a class that your listeners are welcome to take. It's called how to build wealth without going on a strict budget. Oh, I love that. Who wants to go on a strict budget? Right, and you can grab that class at germanefoleycom slash wealth class and remember that's germane with a G, and I don't know if you have any Instagram people, but I am at germanefoleycoaching on Instagram.
Speaker 1:Okay, great. Yes, I think I follow you you already because I just thought you were adorable. I'm like I need, I need her, I need her. She's great, so that's awesome. Okay, I am going to have you send me all those links and all of the things so that I can put it in the show notes so that it's easy for people to find. So go to the show notes and find all the things there, whether I link it to my website or however it is that that happens, I will get that out there so that they can find you. I'm so grateful that you were here. Thanks for coming. Are you ready to be the friend that's always getting compliments on how good you look? Say goodbye to frumpy, boring outfits and hello to endless compliments and newfound confidence in putting stylish outfits together. No more style dilemmas. There's a fashionista inside you and I'm the one who can help you bring her out. I've transformed countless fashion dilemmas into jaw-dropping outfits, and I'd love to do the same for you. Go to sherrybraziercom. I'll be waiting for you.