Financial Karma | Money Management | Mindfulness | Mindset | Holistic Financial Advice |

Join me and help me shape the future of how we talk about, share about and debate (not fight) about what our financial lives should look like (for our homes and our businesses). At the root of the complexity, and for some of us, disaster or stress, is money. Let's get real this our our personal dreams. There's nothing to be afraid of or ashamed about because we are so much alike, us humans. I'm going on this journey with you so come along for the trip, the introspection, the fun and the off-road antics. Awareness-intention-accountability.
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Financial Karma | Money Management | Mindfulness | Mindset | Holistic Financial Advice |


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Sep 8, 2017

One way or another we all take from others - from our families, from the government or others that we aren’t even aware of. So now we are in a place where there’s a lot of finger pointing that goes on, and it’s created an environment where people are at odds with each other. Blaming others and pointing fingers at those that we perceive to be taking from the system isn’t helpful. Actually, it makes us a hypocrite because in many ways, we are also getting welfare.


In truth, we all should be taking and giving in our society. We all need each other and no one is truly self-sufficient. This giving and taking is what makes us part of a community and makes us feel like part of the tribe. No everyone living in poverty is taking welfare. Many are struggling to be self-sufficient and living at a very low standard. People that are struggling don’t need the stigma of “taking welfare” to traumatize them because it is counterproductive to everything they are attempting to do. 


Since the Industrial Revolution in this country, we have been creating problems that we now need to solve. Problems like climate change, population shifts, work force changes, and many more. It takes an entire society to try and solve these problems, but we all have to work together. Open your mind to a different approach to things and see where that gets you. it will improve your growth mindset and how you view the world.

Sep 1, 2017

Today I wanted to talk to you about the war within yourself, vs. the diplomatic solution of solving your problems. It’s the war within our own bodies.

I quit smoking last year and I have gained some unwanted weight. I need to be kind to myself while I try to figure out what the solution for my body is. I can’t go to war with myself and go on a drastic diet and hit the gym 8 hours a day.

Our bodies need a lot of things. We need sensuality and play as a regular part of our lives. Having diplomacy allows you to be minimally at odds with yourself internally. It allows you to work through issues with flow and ease.Maybe you don’t have to go grind it out at the gym, but rather you join a dance class. Be kind and use diplomacy with yourself - don’t wage a war against yourself!

Aug 25, 2017

I’m in New York in the middle of tax season. I’m here for an event that I don’t really have time for, but I knew I would benefit from coming. So even though I don’t have time for it, and even though I am in the middle of tax season, I knew I had to come anyway. I could plan for it to have minimal impact, so I though “how can I not go?”. What are you saying "no" to that you would be better off taking advantage of!

Aug 18, 2017

Do you know what your gifts are? Are you leveraging them effectively? Today we are talking about gifts, and when I say gifts, I mean the things that you feel like you have a natural knack for and you excel at.


Using your gifts gives you an opportunity to show up for yourself. This is a growth mindset and it allows you to fully step into your power.


Many times your gifts may marry to opposing qualities. Then they become complementary skills.


The world needs you to show up with your skills! Collectively, there are opportunities that you can take advantage of by showing up!




Aug 11, 2017

Have you ever questioned yourself? Do you think you should do something just because you can? That’s what we’re talking about today. There are many things we are allowed to do because they are not illegal, but does that mean it’s ok to do it?

We do so many things because we can get away with it. But that doesn’t mean that it’s what is best for us. I went through one of these tough times when I was going through a divorce. I was in a bind with circumstances, but I also had a moral obligation. I probably could have declared bankruptcy legally, but would it have been the right thing for me to do. I needed to think about the long game and not make decisions only to get out of a jam. Just because you can make certain decisions, also think about the long term consequences. We can learn valuable lessons when bad things happen and we make good choices around it.


Aug 4, 2017

Many times we do things that do not align with our greater purpose. Sometimes we are closed off to the things that would make our lives what we really want them to be. In fact, our best lives are getting sacrificed on the altar of our current lives.


I’m a people pleaser, so this one has been a really hard thing for me. I get trapped in my daily life and it robs me of the future I desire. Many times we just need better boundaries to hold our dreams in a sacred space and not let anything interfere with it. It’s almost like we need selective hearing, so we can turn off the noise and only focus on what contributes to the life we really want.


Sometimes I am stubborn and I have to hit rock bottom before I take the steps to hold my dreams in the highest regard. Friends and likeminded community can help keep us on track. Sometimes we can be misguided and let this behavior overtake our lives. 


It takes courage to hit rock bottom and get back on the horse every day. Being brave instead of being misguided means you accept the fact that this journey may be messy and bumpy sometimes. It’s brave to be honest with yourself in your current state. It makes you grow up! 


See your life as it really is and you can improve your situation faster than you ever imagined. When you reframe misguided to brave, it will make a difference in your life.


Jul 28, 2017

I don’t want to be so serious all the time. I had to practice laughter in order to make fun of myself and my own foibles. The best way to laugh is with friends, but you can also laugh when you are alone. I want you to begin using your money to trade it for a pleasing experience - whether it’s time with friends or some other amazing experience, rather than buying things. Use laughter as the best medicine for anything that ails you!

Jul 21, 2017

It’s important for us to continue to work on the dreams that we have in our lives. Sometimes it takes awhile to get there and it seems like this particular journey has taken me awhile. I heard something yesterday that made me appreciate exactly where I am. Angela Duckworth wrote the book about GRIT and she decided to pursue the MacArthur grant for $100 million dollars. They came up with an audacious idea and it’s 3 parts - health, education, and saving! What a combination to put together, but the reason they did is because they put forth the idea that these 3 areas need major change in our society in order to have a lasting impact. 

Savings are important for your well being and life experience. I am so glad this was reinforced by these very smart ladies! Can you imagine if they were able to get $100 million in order to do this work in our world? They didn’t get the grant, but that’s not stopping them from doing the work anyway!

The more you save, the more self-sufficient you can be throughout the rest of your life. But also, it changes your relationship with money when you have savings. My goal is to share the message of financial literacy to as many people as possible.

Jul 14, 2017

My book group reads books that help us in our lives. Even though I am an accountant, I am also a creative person. We are currently reading a book about money and it’s about being creative with our money.


Too often we get boxed in with thoughts and plans and almost become paralyzed and unable to move forward and do all the things in life that we want to.


I am a believer in having faith that good things will happen to you. But I am not one to sit back and say “Oh well, God will provide” and you don’t have to worry about things. I would rather think of it as God supports me in my endeavors to provide for myself and take care of myself. 


We all have temporary scarcities in our lives, but the important thing is what we do after that temporary scarcity.


  1. The reason for time is so that everything doesn’t happen at once. Given enough time, the Universe will give you what you need.
  2. The Universe provides a framework for all good things. It takes the chaos of life out of play and allows things to evolve the way they are supposed to.The Universe provides openings for your next step.
  3. Anything is possible when you believe the Universe will give you a hand. 
When we are open to the Universe, it will bring the best to us and it will allow us to grow.


Jul 7, 2017

There are 3 things that I’m sharing about play today. It’s hard to justify it as an adult and it seems like we just don’t stop working to play very often. This is one area where we have to re-frame our thinking to make a change in how we prioritize play and make it a regular part of our lives.


  1. Giggle - make it a point to get together with people that you know will make you giggle.
  2. Play dress up - dress however you feel like it to go to work and wear whatever makes you feel playful.
  3. Swing on a swing set - it’s not just for kids! Make it a point to stop every time you see a park with an adult swing. There’s something about the reckless abandon of going back and forth and high that just takes you to a different place mentally.


Jun 30, 2017
Do you ever hear people make blanket statements about situations or issues that you know aren’t factually accurate? It’s honestly hard for me to hear. Why does judging other people cost?
  1. It’s a distraction. It takes your focus off what is most important in your life.
  2. It promotes a fixed mindset. You can’t be open to other viewpoints when you have a fixed mindset.
  3. It causes you to be disconnected from people.
There are so many ways we can contribute to a positive society in our corner of the world. We don’t have time to be sidelined and distracted by judging others.
Jun 23, 2017
There was a time in my life that I thought I had the security that money brings.I didn’t truly understand that it wasn’t bringing me happiness until I was in a situation where I had much less money.
I got some honest feedback from someone today. I had a very visceral reaction to the words he spoke. He was trying to tell me to pay attention to my body alignment and breathing. Words like this are hard for all of us to hear, but words are powerful. So I wanted to share with you 3 reactions to the power of words in our lives:
  1. Change is good.
  2. Words can help us build community.
  3. Fear really will not kill you.
Think about your words before your speak and also try to be discerning about the words you are hearing.
Jun 16, 2017
I just feel lighter! Well, let me back up and explain. Sometimes our family relationships get a little bit out of whack. We may have demands placed on us that are unreasonable, and we also may find that our expectations are constantly not being met by family members. It’s been true for me, that when I release emotional weight, my physical weight gets in balance. I think so many of us got through life with more of an “emotional weight problem” than we do a physical weight problem and those go hand in hand. 
Releasing yourself from the emotional bondage of past mistakes and problematic family relationships can provide freedom for you emotionally, and that’s what makes me feel lighter! Emotional baggage can impact your physical weight and also your money. There are so many emotions tied up in both of those aspects of our lives. The scarcity mentality can overtake your financial life and it’s important for you to work through your issues with family relationships and with your money.
I encourage you to embrace abundance in all of your relationships! This will take your relationship with money and family in the right direction, and you won’t be weighed down with the negative aspects that can be harmful to you!
Jun 9, 2017

I don’t know how many of you listen to the Story Corp podcast on NPR, but I just found out that they now had an app. So, I uploaded it and went to visit my parents. They are aging and they can’t do quite as much as they used to. So this app presented a great opportunity for me to document some of the stories of their lives in their own voices. So the thing that is different about this app compared to other voice recording apps is that it will save your audio recording in the Library of Congress. So, it’s a great way to preserve the stories, that will forever be a part of the Library of Congress.

Join me tomorrow as I am re-thinking my family relationships!

Jun 2, 2017
Last year I did my will, and I had expressed my desire to be cremated. It’s a really kind thing you can do for your loved ones to put a plan in place for your departure. In the course of that process, I found out about the Maryland Anatomy Board. When you die and seek their assistance, they basically take the body and use it for medical training. It’s done in a respectful way. After this, they cremate you and return your remains to your family.
The Karma is that you get to help people with medical training and the financial part of it is that you don’t end up having to pay for your final expenses.  It’s better to have these arrangements made long before you need it. 
May 26, 2017

Risk and failure are ingredients in having a more balanced approach to living. If we are living in reality, risk and failure will be a steady visitor in your life!

By living through trauma, you can actually increase your resilience. The point is that you have to be willing to take a risk. It’s hard putting yourself out there at first, but the more you do it, the more your comfort zone expands. You have to be kind enough to yourself to allow baby steps.
News flash, you will experience failure, whether you decide to take a risk or not. So if it’s inevitable anyway, you may as well plan on taking risks that guide your ship in the direction you want to go. Then when you fail, you will still be moving closer to your ideal life.
You have no idea how much you will benefit fro a failure until you get to the other side of it. The fear of fear is actually harder than the actual failure you will go through!


May 19, 2017

I was vaccinated with a Victrola needle! I’ve always been very verbal and very chatty!  I’ve gone through my entire life having a sense that I was never being listened to. I wasn’t feeling validated. It took me a long time to realize that this feeling was coming from me internally, and not from other people. When you grow up this way, you end up presenting yourself in a way that basically says “I’m not worth listening to.” The most important lesson you can learn is that there is work for you to do on yourself to step into a place where you can be heard and validated.


I was not a good listener at a point in my life. I wanted to show up as my best self, but I couldn’t because I wasn’t a good listener. I still have times where I am not a good listener. Years ago when I decided to do the work I needed to on myself, I went to a 12 step program. I learned to listen because I had no choice.


4 Things to Remember About Listening:


  1. It gives you a chance to practice patience.
  2. It teaches you about compassion.
  3. It gives you the ability to compromise.
  4. It will help you learn.
May 12, 2017

Today we are talking about the Grit habit. I love Angela Duckworth’s test to see how gritty you are! You can score from 1-5, and see where you rank on the scale.


I’ve realized over time that grit is sort of a learned behavior. I am an example of that. I have had to step up my grit over the last several years because I wanted to be happy. 


3 things come to mind to make you more gritty:


  1. The never give up habit - I have to tell myself this almost every day at some point. It’s a repeated habit that is now ingrained in me.
  2. Make friends - put yourself out there in your community. I have friends in unusual places and they enrich my life and make it more full.

Self-care is important.

May 5, 2017

In this series of FB live posts, I’m sharing some things that are coming up with me on a day to day basis. I had an experience with my local CVS pharmacy that resembled bullying. I’ve learned from being bullied that it is not ok, and I also determine that I need to take my power back anytime this happens and I will not be a victim. 


My advice is never to cry in front of men because we don’t want to be perceived as being weak. Many times we just need to feel heard, and when we are not being heard, our feelings get hurt.


Sometimes others have a different agenda than we do. You may not associate bullying with your finances. In a patriarchic society, that’s one of the main control mechanisms that is used against women. 


Listen to this episode as we talk about how money can be used against us in a power play. This is bullying and it’s not ok.

Apr 28, 2017

In this day and age, I think we all use technology way more than we ever imagined. You don’t have to do everything and you don’t have to let the technology drive you crazy! Today I wanted to give you 6 apps and tools you can use to make your life easier. Tech overwhelm can become a thing of the past. It’s more important to work on yourself and then use technology to support the aspects of your life that you are improving!


For productivity - To-Doist

For social media - I only focus on FB and Twitter and I use Meet Edgar

For Record Keeping - Less Accounting - a creative recommended it to me!

For Creativity - Canva and Word Swag 

For Concentration - Focus at Will 

For Scheduling - eventually I will be moving to an app besides my Google Calendar


Apr 13, 2017

In today’s episode, Deb shares her practice of doing walking meditations. The reason that Deb does a walking meditation is so that she can keep her practice of meditation. As busy as life is, Deb knows herself well enough that she must set up herself for success and make things easy to incorporate into her schedule, or else she will simply not do it.

Deb gives a shout out to her meditation coach, Joe Somodi of for helping her achieve her daily meditation practice.
Deb shares how she conducts her walking meditation, and
how she made this practice work for her.
Apr 10, 2017

Join your Financial Karma Coach, Deb Williams as she challenges herself to a daily FB live video, while muddling through tax season!

For the next couple of weeks, Deb is choosing a word each day to focus on and today's word is GRATITUDE!

So many people have praised how a daily gratitude practice can change your life and your outlook. Today Deb shares her gratitude and also shares a moment where she failed to follow through on her part of the bargain. Don't let your slip ups keep you from getting on board. Let's focus on gratitude today!

Feb 3, 2017

Deb Williams, CPA and Financial Coach, is on a mission to educate women about finance and money mindset. (Although she does love having the support of men as well!) Listen in today and find out how you can create a budget, easily and without stress and why it's so important for you to do that.


In the first part of today's show, Deb tells a touching story about her aging mom, who has Alzheimer's. It's a story demonstrating the use of an alternative approach, which, according to Deb, is essential in today's world. She explains that being prepared to allow for alternative ways of doing things demonstrates a growth mindset, rather than a fixed one, which is helpful for you to rewire your brain. She also expresses her view that the current President doesn't know the skills of diplomacy and inclusiveness, or of running a Federal Government- which is different to running a private company and until she knows that he's capable of pulling it together, she intends speaking out when necessary. She encourages you to speak out too but she reminds you to do this with facts and research- not as a reaction to an event.


In the second part of today's show, Deb talks about the ins and outs of budgeting and why it's essential for you to get the basics in line. She explains that it's important for you to plan things out, in order to feel a measure of control over your life now and in the future. Listen in today and discover the importance of having a solid budget and financial plan and find out how to go about the often daunting task of planning your budget, with ease.


Today, Deb discusses:


  • How you can gain financially through taking a fresh perspective when listening to people with different viewpoints.
  • The importance of knowing the difference between someone's viewpoint and the facts.
  • Why it's necessary to be clear about where you're going in life.
  • That preparing a budget is not complicated- it's do-able if you can add and subtract.
  • The idea of having a budget as part of a roadmap to your plans.
  • If you don't know where you are at now, you're not going to be able to plan your future.
  • Her own success, due to believing in herself, her talents and skills- and putting them to good use.
  • Setting aside the time to budget.
  • Rewarding yourself- a little trick to get things done.
  • Keeping your mindset positive while preparing your budget.
  • An app to help you focus.




Deb's Facebook Group: Financial Karma

Deb's website:





Deb recommends:



Jan 20, 2017

Today, Deb focuses on the new year and what it could bring. She records her first show for this year while walking through the streets of Washington DC and urges you to think in terms of becoming more active with what you can control, outside in the world.


Deb talks about two things on today's show. First, a small thing that you can do to take responsibility, have more say and get your voice heard out there. Second, she offers you an action plan for your finances, by giving you 2 assignments to help you budget more effectively. Listen in and learn from Deb how you can increase your financial health and also take a more active role in decisions affecting the nation.

Today, Deb talks about:


  • The various people being assembled due to a new administration and how you can take more responsibility in that area.
  • How the decisions made by the people in administration will affect you.
  • Deb urges you to call your political representative and tell them how you feel about the people being appointed to cabinet.
  • She explains exactly how you can contact your political representative.
  • The 2 assignments, which go hand in hand.
  • How you can learn to value yourself without regard to money.
  • Changing your habits being a huge part of changing the framework of your life.
  • How to contact US Capital.




Deb's website: (For The Money Quiz)


Deb's email:


Deb's Facebook Group: Financial Karma


To call US Capital: 202 225 3121


Jan 6, 2017

Are you held back in business by negative ideas? Would you like to learn how to really think big? Then join Deb Williams, CPA, Financial Coach and host of Financial Karma, on today's show as she talks to her guest, Paula Hope, about her first book, Stop The Saboteurs and also about how you can master your thoughts and create the revenue you deserve.


Paula, a 'magnificent manifestor' with more than thirty years of experience in the field, describes herself as a person who helps business professionals create the revenue they deserve. She speaks, writes, trains and coaches business professionals to conquer their saboteurs, by growing their networking, referral, building and sales process skills. She's an expert on referral marketing and strategic networking and owns a business called Booked Solid. She applies her decades of experience in offering solutions to self-destructive fear and self-limiting behaviours that can impede your success. 


Join Deb and Paula today, as they talk about:


  • Paula's background and how she got to where she is today.
  • Sales not generally being respected as a career.
  • How your revenue as a business owner is tied into how you feel about yourself in that role.
  • Her book being a business development book rather than a self-help book.
  • Paula's concept of negative thoughts as 'saboteurs'.
  • What makes new small business owners vulnerable to negative ideas.
  • The self-assessment process in Paula's book.
  • Honoring what you do in business.
  • Busting myths about money.
  • Feeling the joy and thinking big- to trick your brain and change your mindset.
  • How your self-esteem affects your value in your business.
  • How we tend to underestimate our talents, because they make things seem easy.
  • You don't have to be your history.
  • Watch your words- they could reflect a belief that you don't even hold.
  • People think in symbols.
  • Paula's favourite strategies for success.





Paula's email:


Paula on Linkedin: Paula Hope


Deb's website:  


Deb's Facebook group: Financial Karma

Deb's email:



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