Intro: [00:00:00] Welcome to the Jenna Brown Show. I am Jenna Brown, psychic business strategist, wealth Energetics mentor and subconscious healing expert. The guide for women who are scaling to 6, 7, 8 figures in their business and who are done playing small with their power, their money, and their visibility, who have a deep inner belief that they get to have it all.
This is a space where strategy meets the subconscious where money becomes clean and where you learn how to expand your field of influence without burning yourself out or betraying yourself. Contrary to popular opinion, we talk about wealth, leadership, identity energetics, and what it takes to actually hold the type of money, the type of business and reality that you are calling in.
Clients cash, impact, desire. We talk about it all here. If you're ready to move beyond the hustle, beyond the proving and into overflow, that feels grounded, embodied, and [00:01:00] sustainable. You, my friends, are in the right place. Let's begin.
Jenna Brown: Welcome back
to the Jenna Brown Show. Oh, I'm so excited for you guys today because we have such an amazing guest on the podcast today. Her name is Jacqueline, and she is the Luxum Money Witch. So girls, say hi. Tell us what this means. Let's go.
Jacquelynne Holmes: Hi, everyone. So yeah, I'm Jacqueline, Lux the Money Witch.
I call myself a money witch because I have a very transformational energy that I help people with with money. So not only do I do accounting for mostly online brands, but also transformational money coaching, so to really allow the money that people make from their businesses to land in a different way so that they really embody their abundance, they're able, able to keep more of it, and they just have more of a holistic understanding of- money and all the things, so.
Jenna Brown: [00:02:00] Mm. Okay, love that. So everyone listening, I'm just so excited for you to experience this podcast because, one, both of us are wild and weird. Love that for us. And so are our listeners, I'm assuming. And two, we are assuming, you listening, that you are in a place where you have mastered making money in your business, and now it's time to make more money, but maybe some unconscious limiting beliefs are coming up around if I make more money, I just have to pay more money in taxes, and that type of thing.
And one of the things I love about Jacqueline is her perspectives are gonna change your life when it comes to money, IRS, abundance, alternative currency. So we're, like, diving into all of that on this episode. And so you're welcome, and I cannot wait for you to, to hear more. Okay, so, let's just dive right in.
Let's say that our listener today, [00:03:00] she's at around 200K or maybe more in her business. Maybe she has somebody bookkeeping for her or maybe not, and maybe it's time for her to invest in that. But she's kind of realizing that, no matter what I do, I'm staying at the same kind of level, and maybe you and I would come in and be like, "Hey, girl.
Hey, girl, hey. There's maybe a reason why you're not making more money, and maybe that is not because you need to try harder or have a different strategy or push harder, but maybe it's actually some of these unconscious limiting beliefs around money, IRS, that type of thing." What have you seen working with this type of woman that may be holding her back that she may not even know is happening?
Jacquelynne Holmes: Yeah, that's such a good question, 'cause I've scaled with brands that, online brands and, and mostly coaches, influencers, entrepreneurs, that, you know, with some of them I've started when they were making their first 50K a year all the way to 500K. I've started with people when they've been making 100K all the way to over a million.
So I've really kind [00:04:00] of seen it all in terms of scaling the businesses and the typical roadblocks that people run into. So I would say at, at this level, right, someone that's stable. they have a strong business. They have a strong brand. But the ... You know, that next income level. Maybe they've plateaued for a couple years.
That's really common at I would say the 100 to 300K level is just-
Jenna Brown: Yes ...
Jacquelynne Holmes: kind of like getting there, and then just staying there for several years, which there's nothing really wrong with, because everyone's at a different point, and I think we all need to be honest with ourselves in terms of what magnitude, what volume of business do we actually wanna be responsible for.
A lot of us don't. We, we don't actually want to be a seven-figure empire- you know, 9 million different things to do, boss babe kind of vibe. We built these businesses for freedom, so there could be those aspects at play as to why the money feels stalled. But in general, income plateaus are usually happening, I would say [00:05:00] nine times out of 10, income plateaus are happening because there's some sort of lesson that needs to be integrated.
There's some sort of there's some sort of message or reason for that period and for that income level that needs to fully land before the more money can actually show up. And a lot of times what that is is a deeper reverence for money. A lot of times it's not about actually making more money, it's about streamlining the business so that it's actually a lot more profitable so that you're taking home more money, right?
Because a 200K business that doesn't bring in any profit, w- you know, if you're making 200K but your profit's only 30K and that's, that's what you're taking home, that's what you're paying yourself, well, is it really worth it to do all of that just to make 30K at the end of the year or, or whatever it is.
So, yeah, I would say that those are the most common reasons for income plateaus and kind of like this stall and this stuck energy. [00:06:00] Mm-hmm. But there's also those aspects around the taxes and the, those kind of fears that we can get into too. You want me to keep going, get into that too?
Jenna Brown: Yeah.
Well, first I want to say something about everything you just said, 'cause that was so good and it's so true. And I think that this is the part, at least for me, when I was at that space, I was, like, at 20, 30K months for a couple of years. So I agree, and I see this a lot, where it's like it's a different code to go from "I'm building" to "Now I'm scaling".
I literally just told my mastermind yesterday not everybody wants to actually scale, and also maybe everybody is kind of disillusioned to what it actually takes to scale especially when you're like, "Cool, I'm gonna go from this to this." What is actually required, whether it's team and back-end support and systems and strategy, and all of this type of stuff that we just kind of think, "Well, why can't I just get more doing the exact same thing?"
Yeah. And it never works like that. And so- Exactly ... I love that you're bringing that up because- just to [00:07:00] take a moment everybody listening and just really feel into that, 'cause you're right, a lot of people started businesses as entrepreneurs for maybe one of their main values, which might be freedom.
And maybe even looking at what does freedom mean to you, right? Like some people in my experience are like, uh, they're like, "Yeah, I want... My main value is freedom," and they have that already, and they're like, "Okay, cool. I want more." And maybe more actually does require, God forbid, in the world of the soft feminine movement, to actually work more.
Or like I always am like, hi, I don't know why everyone literally still thinks that I'm a stay-at-home mom, but I'm like I actually have an office outside of my home. I actually go to work Monday through Friday. yes, I only work maybe 25, 30 hours a week, but like your girl is not just like working for one hour a day and being like, "And I make millions of dollars."
There's a reality of do you actually want that? And yeah, so I [00:08:00] love that you're bringing that up of really like feeling into that. Is this, is this what you want? Is this why you, why you got in this in the first place, and is this also what you want for this season? 'Cause some people might be listening and they're like, "I have little kids," or, "I wanna have kids," or, "I wanna just enjoy..."
And we were just talking, we're both traveling this summer, and "I just wanna travel for a little bit." That's also okay.
Jacquelynne Holmes: 100%. 100%. Well, and I love that you touched on the team aspect too, because that's, that's the biggest shift. Like, I really disagree with the, cliche of what got you to this point isn't gonna be the thing that gets you to your next income goal, because People tend to go back to the drawing board and they're like, "Oh, I fundamentally need to change something about myself before I can receive- Mm ... the next level of success that I want," when most of the time it's switching from you know, your primary team expense or your primary expense being your mentor that's helping you get to that income level.
The next level between [00:09:00] 200K and a million a year is the team, right? And that's when people are h- just hiring mentors and coaches that run a high touch one-to-one model that doesn't they don't have a team, they don't have this backend strategy in place, they don't have their SOPs, their operations in place.
I know you work with Erin. She's fantastic- Yeah ... and I'm sure that's ... at that level, scaling, that's the next best hire alongside the mentor that's gonna get you there. And so I really saw this collapse, 'cause I've been in the online space for 10 years now, so I've seen kind of this
I kind of saw the bubble pop a little bit after '21, '22 after, you know-
Jenna Brown: Yeah ...
Jacquelynne Holmes: everybody went back to their normal lives after- Yeah ... you know, Verona and stuff like that. I kind of saw this bubble pop where it was like, oh, all of these businesses, they never had a back end. They never actually had an infrastructure.
And so- Mm ... the model kind of just dissipated. It, their business just kind of, it dissolved into thin air, [00:10:00] and that's where you build that structure and that foundation is, is with the team. So-
Jenna Brown: Yeah ...
Jacquelynne Holmes: and then also just, yeah, not being in a place where you're absorbing other people's desires. I've seen this a lot as a human design thing.
If you have an undefined ego, a lot of times you're absorbing ... Oh, is that you? Okay. Yeah, it's so it's 30% of the population has a defined ego. I'm one of them. 70% undefined ego, but I've found that in my work with clients with undefined egos, a lot of them just kind of take on ... They get in these spaces that are, like, adrenaline and cortisol and hyping them up, and it's seven figure empire type vibes.
And then they just go 90 miles an hour towards that goal. They get it, and then they're like, "Oh, I didn't actually want this at all." So- Mm. Mm-hmm ... sometimes you have to actually get the money you thought you wanted to realize you didn't actually want it. So-
Jenna Brown: Mm-hmm ... there's that. Or I always say it's like you probably want the money, it's just probably not the how, the way that you- Yeah
got there or the way that you're moving through it. 'Cause even I remember- My first 60K cash month, which was like, [00:11:00] "Whoa, oh my God, I got out of this 20, 30K vibe." My first 60K cash month was all from high-level intimate, uh, sales, and I freaking loved that feeling. And then my second 60K cash month was I had a corporate client, and they paid me I don't know, 15 grand or something in full, and that took me to past 60K, and I hated the way that it felt.
I literally was like, "I feel like this is so much more work for me," because I was in a doer space for that- Mm ... rather than a mentor space. Obviously, everybody's gonna be different the way they like the way that money comes to them. But and even my first 100K cash month, it all came through the code of intimacy, which is so my vibe, but for other people, that feels heavy.
If they're like-
Jacquelynne Holmes: Mm ... "
Jenna Brown: Oh my God, now I have all of this one-on-one coaching," I'm like, "Give me all the one-on-one clients." I love one-on-one
Jacquelynne Holmes: coaching. I'll do that all day.
Jenna Brown: Yeah, like, all day, every fucking day. I'll be in mastermind calls and one-on-one calls. Love it forever. Of course, I love a passive income sale for sure, but I also love coaching 'cause you know I'm a coach.[00:12:00]
Wild. But anyways, So it's wild out here in this world of coaching, that people are like... I'm like, "Do you not wanna coach?" They're like, "Oh, n- no." "Cool." But yeah, so anyways, it is also, too the how and how do you want it to feel, and I think that's where that team piece comes in. At least for me, I was so used to stretching my capacity for hiring mentors, and then it was really for me, really from that 400K mark on was, "Okay, now I have to hire the back-end team."
That, to me, was the most actually, stretching.
Jacquelynne Holmes: And,
Jenna Brown: you know, that's the back end, like bookkeeping and taxes and all of the things, and all of the team members, but also like team in my house, like people taking care of my house- Right ... and all of that ty- all of that type of stuff, like the doers, because that was me outsourcing and delegating, and then also, you know, had to deal with my own shit around having to do it all and all those things.[00:13:00]
But I agree, and I see people do ... How I've been in this industry, I've seen people do two things, which is, again, that scaling conversation, is they'll say, "Okay, cool. I'll go all team and no mentorship." So therefore they have the support, but they don't have the expansion and the person still pulling them forward in the expanding the identity of who they're becoming because they're just switching, right?
Yeah. So they're like, "This amount of money I can invest, so I'm gonna put it over here." And I'm like, "Yeah, cool. Love that. And also, like, how are you actually becoming this next version of yourself?" So they'll do that. Or they'll stay in the mentor side, where they're like, "I'm just gonna keep doing mentorship, mentorship, mentorship."
And as a mentor, I'm like, "Babe, you like have to hire back end support, 'cause how many more times can we have this conversation about what needs done? But your schedule's full, and you don't have time to do all this shit and implement it, but you need it done." So those two things, and that's why I said the thing about scaling, and this is what I keep telling my clients, is like no one's actually really telling the truth of what is [00:14:00] required.
You actually need both in whatever version that looks like for you. But that is investment, right? Like you're really like s- you're betting on yourself again, which I think people are like, "Well, I did that 10 years ago. I betted on myself." And I'm like, "Okay, girl. Let's catch up."
Jacquelynne Holmes: Yeah.
Jenna Brown: Yeah, but I feel like I love what you bring to the table when we're looking at neutrality around money and systems.
I know a big thing for me is people actually seeing my numbers, and for a long time, by the way, when I was at that stage, talking about systems of what I actually needed, I was not managing my money. I was just like, money comes in, money goes out, money comes in, money goes out. And I didn't know where things were going, and it was so hard for me to actually understand what systems were needed.
So, like, when you come into ... Thank God I figured that out because then I was like, "Oh, I feel safe and secure 'cause there's a container, and now I can expand and more can come in." But for you what do you see in that world where, specifically around the management [00:15:00] of money, and where do you come in supporting people in that space with how they're managing it, or what do you see?
Jacquelynne Holmes: Yeah, yeah. The most common thing I see is managing money based off of feeling rather than based off of data and numbers. Ooh. And that's kind of the bridge, uh, you know, that, that I bring, too, because when my team and I come in, we're a lot of times getting a big mess caught up or a lot of financial disorganization and really just let's narrow things down, make it as simple, as clean as possible, a pattern that I've seen in, in the last 10 years.
I've worked with other businesses outside of this space as well, but this is a common thing with all of my clients, is the most successful businesses usually run the most simply. Hmm. So there's this idea that, yeah the more ... the, the larger the business grows, the more complexity it needs to have, and a lot of times that's unconsciously mirrored in business owners running their [00:16:00] business on five different credit cards, and we have 20 different bank accounts, and we're, we're doing things like that.
Not literally 20, but ... Well, some, some people actually literally have 20, 30 bank accounts. So, With
Jenna Brown: 30 bank accounts?
Jacquelynne Holmes: Yes.
Jenna Brown: Uh, what? I cannot ... I only can keep passwords for two things at a time.
Jacquelynne Holmes: Yeah, yeah. No, that's ... It's ... I've seen it. Both ends of the spectrum, basically.
So, Yeah, so running things really simply. I think with m- the management of money, though, a lot of women, online entrepreneurs naturally have this ability. It's very uncanny compared to other industries. They are able to run very profitable businesses. Most of the mismanagement is happening in their personal life.
Most of the management- Hmm ... is happening with overspending on superfluous purchases in their personal life.
and that's kind of the unglamorous side of this that a lot of people don't [00:17:00] want to hear or don't want to acknowledge because there's this idea that we don't have to choose.
We don't have to choose the Louis Vuitton or the off-grid homestead. And it's no, we don't, but for any type of, with any type of momentum moving forward, we have to be willing to operate based off of data rather than purely based off of emotion or energetics. It's a balance, but we do need to have data backing our decisions financially a lot of times.
And then also being willing to, like- make the sacrifice, the quote-unquote, I'm doing quotes right here, the quote "sacrifice" in order to have the long-term financial gain that we want. Because another pattern that I've seen in the online space is a lot of times those people that run 90 miles an hour, they make the first couple million, they burn out, they don't feel like they had anything to show for it because as soon as they started making that kind of money, they went out and they bought the Mercedes.
They went out and bought all of the handbags that they dreamt about since they were 10 years [00:18:00] old to fulfill their inner child desires, and at the end of that burnout, they are too burnt out to keep the business going. So I've seen so many people come and go in this space. And so-
Jenna Brown: Mm ...
Jacquelynne Holmes: with that being said, it's much more sustainable to do things in a way that is energetically, foundationally safe for you, even if that means you're making 250K a year for five years.
That's way better than making a million dollars once and then never making another dollar on your online business ever again. So- That's
Jenna Brown: great. I feel that so deeply because I've been around, I mean, I've been an entrepreneur for 13 years, I've been in this space for six. And every ti- every, my, I always tell people I'm very proud of the fact that I've just scaled upwards, but there were so many times where I was like, "I should be so much further ahead.
I'm so much better at what I do than this random flake online who made a million dollars in their launch." And I'm like, "What the heck?" And I'm so grateful because, one, I really have [00:19:00] integrated the lessons along the way. Not that it hasn't been messy. Of course, there's been so much mess. Yeah. But that has been so much better for me than being like, "Oh, I just came out of the gate and I made a million dollars," 'cause that happens, and then people are- Yeah
Shocked when it doesn't keep happening. And I'm like, "You're not actually a match for your bottom line being a million dollars the first time out of the gate." There's actually this process where we're integrating how do we manage that amount of money? Like, where does this money go? What
You know what I'm saying? And so-
Jacquelynne Holmes: Yep ...
Jenna Brown: I love that you said that because- I remember so, and not that I never get into this, I guess sometimes I still do, but I'll look at people or I have looked at people and been like, "Why am I not there yet?" Yeah. And then they'll burn out, and they'll be out of the industry in two years.
And I'm so grateful that I'm actually building something that is sustainable. And of course, the lessons are hard to learn when you're learning them and being like, "Ah," this is so hard to... I mean, one of the biggest ones for me was I always tell people I jumped way too soon. So a lot of people [00:20:00] do that in this space, I'm sure you've seen this where they're like, "Ah, I had my first 10K month.
High five with me." And then my husband quit his job, and then it was all up to me for all of our income forever. And a 10K month to somebody working a salary job seems like a lot of money. Right. But when you're running a business, really maybe that's four to five take home, and that's not a guaranteed 10K month forever.
Right. This was just the first time I had a 10K month. And so it was so intense to... And I always tell people when they're like, "I make, I made my first $3,000, I'm quitting my job," I'm like, "Please, God, do not quit your job." I do not want that for anyone, that feeling and sensation of all of a sudden this thing that was really fun becoming so heavy.
Yeah. Because you have a toddler business, and you're putting the responsibility of a grown-ass adult onto this toddler.
Jacquelynne Holmes: Mm.
Jenna Brown: And that's unfair. And then you're mad at the toddler that they're not producing results like a seasoned grandpa. Yeah. And we're like "Where's your 401?" You know?
it's four [00:21:00] days old. Why are we putting that onto this brand new thing?
Jacquelynne Holmes: Yeah.
Jenna Brown: Anyway, so I love that you're pointing that out because it's so real, and I think that there's so much energy in this space of if you actually believed in yourself, you would just jump. And I always tell people, I'm like, "It's such a gift if, one, if you have a partner that's supporting you while you're building your business, love it.
Also, if you have a job that's supporting you while you're building your business, love it." Be in that weird gap space as long as you can, in my opinion, so that you're building up support and safety to actually make that leap and it not feel so heavy. Yeah. So I love that you brought that up.
Jacquelynne Holmes: Totally. Totally. Yeah. And then just not putting the pressure on the business to perform, and so that's where you don't wanna be at a million a year in revenue still doing that. Right. And that's what happens when you don't clean it up early on.
Which you can grow fast and sustain it, I guess.
Of course. Of course But there, there's a different type of discipline that comes from that because you have to, you have to almost [00:22:00] pretend like you're at 250 still. You have to pretend like- Yeah ... you're at 500 still. Mm-hmm. And just kind of like keep that same discipline or like diligence with actually keeping the money, and you know, not getting blindsided by taxes the following year.
All, all of those kind of things. But yeah, like the overspending, that's where I kind of had this realization a couple weeks ago where I, uh, It was like this whole throat chakra awakening where I was like, oh, I watched so many people waste so much money, but I was afraid to speak up and not be like the mean accountant that's telling you not to waste money.
And I'm like- Hmm ... F that. I'm not doing that anymore. When I see that type of behavior especially with women entrepreneurs in this space, I'm going to call it out now because I've just seen it too much where the, all the profit just gets washed away by overspending. And when really- if you want to burn hot and fast, and have this meteoric rise, and then, you know, kind of disappear off the internet, you could come online and make a couple million and-
Jenna Brown: Yeah
Jacquelynne Holmes: save all [00:23:00] that, go invest it somewhere else, and then peace out. Mm-hmm. Like, "I'm out of here." You could totally do that if you wanted to, if you had the financial discipline to. But most people are gonna get caught up in a, like a consumerist cycle, basically, is really what it is. They can't... They're not willing to observe their own consumerist behaviors to set themselves up long-term financially.
They just want kind of like what's happening in the short term. Mm. And then they also assume what's happening in the short term is gonna happen forever. And as business owners, people tell us we're, we're riskier, we're in a riskier business than having a nine-to-five, which I completely disagree with, 'cause a company can fire you at any time.
Of course. You haven't... You have no assets from any of the work that you did from that company. But yeah, it's like the... Also just getting to the level, and then immediately increasing their lifestyle to that level, too. That's the, the next behavior that I basically come in and I'm like, "Let's dissect why we need to do, why we're in such a big hurry for this."
Jenna Brown: Mm.
Jacquelynne Holmes: So.
Jenna Brown: I feel like the thing that I notice, at least in myself, [00:24:00] is, I would be curious if you agree, is, from what you see, I, I really feel like it's two different skillsets to make money and then to create generational wealth. And I mean, not, I don't feel that, I know that. I know that's true because I've lived it.
And I think there is such a it, for me at least, what I would communicate to people is there is such a grace in that space because I am amazing at spending money. I'm amazing at taking risks on myself. I'm amazing at being magnetic, and using my voice, and attracting money, and making money. That has never been a skill...
Well, it was a skill I struggled with for years, but it is a skill that I've definitely mastered. And there came a point where I was like, I actually need to master exactly what you're saying, which is more of a masculine skillset of long-term vision. What does the savings accounts look like? Where am I saving for a rainy day?
You know what I mean?
Jacquelynne Holmes: Mm-hmm.
Jenna Brown: Like, where is that at? And also we were talking before we got on the call, like now I'm looking at real estate, and real [00:25:00] estate is not the most sexy thing because you're not getting, like a... I mean, you may get a dopamine hit in the beginning, but I'm getting back, i'm just happy if it cash flows $200, let alone-
Jacquelynne Holmes: Exactly.
Jenna Brown: You know what I mean? And I'm over here used to getting $20,000. Exactly. Then you get $200, and I'm like, "This is a penny. What are you doing?" But it's like I'm building... It's a different skillset to use, and to really, like- I look at it and it's like it's really you getting comfortable with your masculine energy of container and structure and long-term vision.
And when I look back, I'm like, "Why was I so scared of that?" And I think that it was, like, two things. Scarcity, because I was like, "What if this stops and what if this ends and I'm just on this, uh, hamster wheel of creation?" Which I love being on the hamster wheel of creation. I just had to have a plan of well, where does that money go when we're creating?
Let's create a long-term plan. And being so present in the moment, it was, like, such a drag to be like, "Ugh, I have to think of 20 years from now me." [00:26:00] You know? And so, it was... It's just so interesting, those skillsets and those energies, but you really need both, or you hire people that are really good at the one that
Jacquelynne Holmes: you suck at.
I was just gonna say that. I'm like, yeah, you can also hire out for that, and then, like- 100% ... not have to be good at it at all. That's true. And then just... But you also have to But
Jenna Brown: you have to want it. Yeah. You have to want it, and you have to see it, and then that's who you hire. Yeah. 'Cause there's no way... I'm, I'm not over here being like, "Look, I'm not looking at the real estate.
I'm not the one doing that. This is my husband who's really taking on that role." But it's, it really is so interesting to be in the industry for a while and see those patterns of people, the booming and the leaving and the, you know?
Jacquelynne Holmes: Mm-hmm.
Jenna Brown: Mm.
Jacquelynne Holmes: Exactly. That's good. Yeah, and Essentially like, turning the cash into other assets because, you know, part of it is yes, making the cash and keeping the cash being two completely different skillsets.
I find a lot of business owners that own online brands, they're really great at their celebrity. They're great at being in the spotlight. They're great at marketing and sales, which [00:27:00] is wonderful for me and my team, 'cause I'm like, "I'll be on the back end all day long." I don't want anyone to see me.
No, I'm just kidding. But it's more yes, let's nest over here and build up this structure for you. But, Yeah. The once you have solved the managing of the cash equation, basically, well, what are you doing with the cash? 'Cause also excess cash just sitting in your bank account isn't really
It's losing value every single day because inflation is ... You know, our currency is inherently inflationary. It will lose value over time. Hmm. So every day it sits there, just, just sitting in your checking account-
Jenna Brown: Go, go into this. Okay. Go into the, this, this... I feel we have entered into a new stream- ... of consciousness, and everyone needs the gift of this.
I know and I can tell. Talk to us about our money losing value. Talk to us how it's all, all fake. Tell us, tell us the truth, and then also let's get into alternative currencies.
Jacquelynne Holmes: Yeah, yeah. So I mean, we've all probably heard that money isn't real. So [00:28:00] then I say money isn't real, so we should have as much as we want.
But the reality is after 1913 when the Federal Reserve Act was passed this is basically where our currency made a big shift. Out of, you know, prior to that, our currency was much more volatile. The value would constantly go up and down. Well, the Federal Reserve Act basically set it to where it's just gonna pretty much over time lose value.
So I think to date, these statistics are actually a couple years old, because last time I taught on this was 2023. But the dollar has lo- lost 97% of its value since the Federal Reserve Act came in. So the, when you look at all... You know, again, I'm, I'm data, numbers oriented. So if you were to chart that out, where do you think the trajectory is going?
Our, our currency is never going... The dollars in your bank account, if you go log into your bank account right now, it's never probably gonna be worth more than it is today. Hmm. It's never gonna have as much value as it has today. So that's [00:29:00] where, when we already know the trajectory of our currency, eventually that number's gonna get to 100%.
What else are we looking at? what is value? What is tangible value? So then you're talking about real estate. Well, that's turning cash into something that's physical. It's turning a number on a screen into something that you can actually see in the real world. And then m- my prediction at the beginning of Trump's second administration would be by the end of his administration, we will have a new currency introduced. Mm-hmm. So that's either going to be, from my speculation a central bank digital currency, which they've already been piloting that since 2020 or 2021. Mm-hmm. They've been piloting central bank digital currency. They used a lot of the Bitcoin models.
But also the US government is the primary holder of Bitcoin. So- A couple years ago everyone wanted to think "Oh, we're gonna just have this peaceful transition from you know, Federal Reserve notes into Bitcoin, and it's just gonna be like, 'Oh, here's our new currency. It's Bitcoin.'"
Well, now the US government [00:30:00] basically owns it, so You'll notice now the value of the US dollar is correlated with the value of Bitcoin, because the federal government holds the majority stake in it. So of course they're going to be the ones pulling the strings now. So it's not really a decentralized currency like it used to be.
Mm. So, anyways, that's... We could probably stop there and-
Jenna Brown: No, I'm just like, "Wow, that's interesting. I didn't know that." 'Cause the last time I heard was maybe last October. I heard somebody speaking on Bitcoin, and they did not mention that part. I knew- Yeah, no, I- ... that it was like Trump was all of a sudden "We're gonna have the most cryptocurrency in the world," and then I...
So it was kind of like everyone should buy Bitcoin. So, what y- with what you're seeing in the trends, and obviously with your gifts what are we, what are we investing in? What do you see as, Obviously there's a million different things that we could be investing in and putting our money into, but what do you do and what do you suggest?
Jacquelynne Holmes: Y- yeah, so what I do personally, and I've always been very, I, I [00:31:00] stray more anarchist apocalypse-type investing. So I invest a lot in g- physical gold and silver, so not like gold and silver futures, because that's a whole different rabbit hole on how they're- the banks are suppressing the price of silver right now.
So JPMorgan was actually fined, I think it was a billion dollars, for artificially suppressing the price of silver, and they just paid the fine and kept on pushing. They were like, "It's all good. We- yeah, we've been doing this. We're just gonna pay this billion-dollar fine and just keep doing it," because the US dollar is inversely correlated with gold and silver.
So you'll notice when a bunch of stuff starts going down and inflation is high, that's when the price of gold and silver goes up. So that's what I personally like as well as land, because I think in the future, land, water, tangible physical assets are going to be the main indicators of wealth or the main ways that we retain wealth generationally, [00:32:00] rather than putting all of our eggs in the basket of saying "Okay, this Federal Res- these Federal Reserve notes are going to be the thing that you're going to pass down generation to generation."
I just don't, I don't think that that's going to be as true. Mm. I think that we have to take some eggs out of that basket and put it in other baskets. Not that cash isn't, you know, ruling the world right now and money isn't making the world go round, but if we are looking at the trajectory of it, wouldn't it be smart to kind of just put our...
You know, put, put our energy into these other- these other currencies essentially, or these other things that will retain value and will definitely appreciate in value over time. The demand of silver is only growing with the progression of technology because it's required as a conductive metal. It's one of the, the most in demand conductive metals.
So as AI-
Jenna Brown: Mm ...
Jacquelynne Holmes: trap cameras, mass surveillance, things like that [00:33:00] increase, the demand for silver is only gonna increase, too. So that's my little s- buy silver podium that I'll get on.
Jenna Brown: I love it. I'm, I'm like, stay on the podium. I love this because I feel like I'm ... I am open to diversifying in general.
I'm open ... Even in just diversifying, I'm like, I understand that. We're not making money off of every single thing we're investing in, and there is risk involved with different types of investments. But I definitely feel way more comfortable investing in land and real estate just because of what I know.
Yep. But I definitely get this all of the time from the people that I work with that are like, "You need to be investing in gold and silver." And also I didn't know you could buy it at Costco. Yeah. I was like ... And I remember I was, like, in our group chat, and I'm like, "Where does one buy a bar of gold?"
I was like, I ... Do I go to the bank and be like, "Excuse me, can I have a bar of gold?" I don't understand. They're like, "Costco," and I was like, it c- I ... My mind was just ... I was like, I buy gold at Costco? Please. Does Costco [00:34:00] have everything? I just was in shock. So.
Jacquelynne Holmes: Everything.
Jenna Brown: Right?
Jacquelynne Holmes: Like- Yep. I got my, my Costco silver bars right here, so.
Yes.
Jenna Brown: I love it. I love it. Okay, so one of the things that you said earlier, which I love, is you said abundance isn't just dollars. And I would love for you to ... I mean, you kind of have already told us this, but will you just go into what abundance means for you? Like, how do you know that you're abundant? What are you looking for, for other people when it comes to their own abundance?
And how also did you navigate that path for yourself?
Jacquelynne Holmes: Mm-hmm. That's such a good question. So for my clients or, or for me, what abundance means for me, I've, I've always split it up into three categories. So that's money, obviously, because that's the main medium of currency that we use to exchange right now.
So I exchange my time, labor, energy, my team's labor and energy for dollars. That's the medium of exchange that we're using. And then also time and energy. [00:35:00] So when I help my clients with this, you know, a lot of times they're coming to me because they have plenty of the money or, you know, even lots of time, but they don't necessarily have, like
The energetic part feels drained or, yeah, they've just built this business that they're super drained from, that kind of thing. Mm-hmm. So that's the, the ... my main indicator is that just operates off of my core value of freedom, and it's like freedom from money. So never allowing ... Abundance to me is never allowing the dollars to intercede with- uh, like I want to move about my life unencumbered by the financial decisions.
So when I have when I know I've achieved that, when I'm able to move about my life however I want without necessarily needing to have a financial consideration behind it. Even if that means I'm, you know, not staying in a five-star resort. I may be staying in a, a less expensive hotel. I'm still able to do the essence of the things that I want to do, but the finances are [00:36:00] never holding me back.
Yeah. So that's a great barometer that I bring with my clients. Because, like I said, a lot of them are high earners, but they're not, they don't have these other pieces necessarily in place. And usually that's because they have that one skill set, and then they need the management skill set. They need the organization.
They need the back-end structure. They need to work through their shadow, their inner child type things. And my kind of initiation into this work was when I had manifested lottery wins. This was 10 years ago at this point. And I basically experienced what it felt like to blow through $200,000 in a couple years.
And that was money that was, you know, lucky money that was given to me. And I was in a place where I was just so deeply immature and not able to, to steward that amount of money. And so my process of going from not being able to pay my rent to [00:37:00] manifesting $200,000 through the lottery in less than nine months, and then subsequently wasting it all, and then using that as the foundation to build my business, using those lessons as the foundation to build my business, combined with my skills with accounting and everything like that, that was kind of like how I got initiated into the money witch life, as I call it now.
So ...
Jenna Brown: Mm. I love it. Okay, I have another question for you.
Jacquelynne Holmes: Okay.
Jenna Brown: You had said at some point I see that this block sometimes is like we don't have a deep reverence for money.
Jacquelynne Holmes: Mm-hmm.
Jenna Brown: So how do we have a deep reverence for money while also being like, "This is not totally real"?
Jacquelynne Holmes: Yeah, yeah. That's ... Well, and it's, it's the ability to hold multiple truths at once, right?
Just like some people can look out and they can see all the horrible things happening in the world and say, "Oh, this is, we're going to hell in a hand basket," type thing. And you can look at the world and see heaven on Earth, and you can see how beautiful and divine it is. So I think it's, it's holding both.
But the reverence for money really comes down to do you have reverence for your time and energy? Because- Ooh ... most [00:38:00] people earned money through the exchange of their time and energy. And I know in the online space, it's very popular to the passive income, you know, where it's like, "Oh, well, I did this once and I'm getting paid forever."
Yes, but you still have to acknowledge the energetic investment that was put into that, the continuing investment to keep those systems going. So yeah, reverence is just a reverence for your own energy and time that you put into your business. And with that being said, when it comes to the financial sabotage piece of overspending, things like that with a lot of women that have online brands, there's the what's it called?
I always forget the name of it 'cause it just doesn't res- oh, imposter syndrome. They operate off ... They earned a lot of money through imposter syndrome and just kind of like the fake it till you make it, so then they kind of like sabotage- Mm-hmm ... it 'cause they'd never felt worthy of having it. Or with some people, they felt like they weren't really embodied in what they were teaching, so it was, it was kind of this cerebral money to begin with.
So it was more of a mental concept for them of oh, I know the mecha- they know the mechanics of how it works and how to exchange it, but because it wasn't [00:39:00] embodied, because it wasn't coming from, to use your words, like overflow coming from the heart space, it's difficult for them to keep it because they weren't really, weren't really in alignment with how they were making it, so.
Jenna Brown: Oh my God, that's so good. I mean, it just comes back to the how. It's like what I was saying, 'cause I've made money a lot of different ways. God knows I've had 85, 85 million different offers, and it's so wild. Sometimes $33 through the wrong offer can feel so heavy. You know what I'm saying? So
Jacquelynne Holmes: true. Yep.
Jenna Brown: But then something that is maybe 30 grand that f- that is through the aligned space of, like you were saying, like the embody... I never thought about that, of money made through imposter syndrome, how heavy that actually feels, and maybe that's why women sabotage specifically that money. And even if, like how I was saying, that those two 60K months, and like I was thinking right when you said that, I'm like, I don't think I was, like, in imposter syndrome with that one with the corporate, but it definitely just didn't feel good.
And I didn't sabotage it away, but it [00:40:00] just was like this feels so heavy. And I saw a post the other day from somebody on Threads that was like, " You don't want self-sabotage money, and you don't want imposter syndrome money, and you don't want scarcity money."
And that is so true. I've been in this industry for a while to know different clients come into this space, and when they come in, the way that they invest, it really can affect the way that that money feels when it's coming in. Yeah. It's just so interesting. So can you talk about that for a minute, of what you notice?
Money obviously is inherently neutral- Yeah ... and then projecting stuff onto it. So, yeah, talk to us about that.
Jacquelynne Holmes: Yeah. Well, it's the perfect medium to project upon. Because if you ... we were to take these same- Right ... projections and we were to go to another human, they would be like yeah right, bitch."
"Get out of my face" you know what I mean? Mm-hmm. So it's like money is not gonna speak ba- you know, but we, I struggle to say this word, anthrop- anthropomorphize money. We make it- We actually make- I've
Jenna Brown: never heard that word in my life.
Jacquelynne Holmes: Oh, it's like we make it we make it more human than it actually is.
We make it more lively- Ooh ... than it actually is. [00:41:00] It's not ... And so that's the whole conversation around vibrate at the energy of money. It's like money is such an incredibly low vibration, especially when we trace back who started the Federal Reserve and how those were, like, all, you know- Yeah
low magic wizards basically that were, like- Uh-huh ... you know, casting this spell and making us all tax slaves, that kind of thing. So it's like- That's awesome. ... money is incredibly low vibration. Let's not try to vibrate that low. But yeah, it's interesting 'cause I've seen someone that actually stole an idea and made a lot of money off of the idea, and has since shut their business down, like completely, just basically disappeared.
And I knew ... I didn't know about the stolen idea until a while after. And then I was like, "Oh, that makes perfect sense," because you were able to monetize the idea. Again, the cerebral, keeping the money in the cerebral. You were able to monetize the idea, but it could [00:42:00] never land, it could never embody because it- Mm
you, you stole it from someone else. That's why, you know, another thing in the online space is we don't really need to worry about people copying us because our frequency is always gonna be the loudest thing, and it's gonna be the thing that outlasts everything else. So go ahead and try to emulate someone else's brand or take someone else's idea or take someone else's vibe because it's, never gonna work.
And if it does work, you're gonna be on the receiving end of a huge karmic lesson. Ooh. To the point, to the point of the desperate money or the self-sabotage money. There's also kind of like this karmic debt being built up with the people that are, like, really into- The hardcore sales and just "I'm gonna convince you to do everything absolutely just to pay me and, and, and blah, blah, blah."
The adrenaline, cortisol type, type vibes. And I think the shadow for a lot of people, like myself, it took me a long time to come out of the shadow of like I don't wanna be like that, so I'm gonna be the opposite and be too [00:43:00] passive, and I'm gonna be like, "No, no, no, no." And I've even had some clients, they are force me to, for them to hire me.
They're like, "Send me an invoice now." And I'm just like, "No, no, no, no, no, no." I don't wanna be pushy and that kind of stuff. Right? So- Girl,
Jenna Brown: that's totally me. I'm like that. I feel like that's a backend team thing. It must be a backend team shadow because I will literally, almost every person I hire backend I'm like, "Why have you not invoiced me yet?"
I like to be on top of my money, so it's I'm like if the invoice comes in, I'm paying it that day. I like it to keep moving and flowing. Yeah. And I'm like, it's... That's so funny you said that.
Jacquelynne Holmes: Yeah. So it's there's, there's like the two s- two sides to it, and s- some people go the, you know, the more aggressive adrenaline.
They want that money hitting their bank account, which is gonna have the reverberations basically. Mm-hmm. But then the shadow is like the contraction part of that, of "Ooh, I don't wanna be... I don't..." You know, they're, they're s- it's like scared. They're scared of the money to come in, so.
Jenna Brown: Yeah. I don't wanna be that type of...
Which is always, in my experience, that person, a [00:44:00] lot of those people I work with, is it's always like you're such a great human. You're such a good person, and there is And you know that, and so there's something there where it's like, "Well, this makes me a bad person 'cause there's so many pe-" I mean, not that pe-
Oh, you know, people that are making bad choices that are doing that, and they're, like, gross, you know? And we're like, "We don't wanna be gross." We don't wanna be pushy, so I love that you
Jacquelynne Holmes: brought that- I kind of like the thing, I don't know, I heard this a couple years ago, I don't know how true it is, where if you're asking yourself if you're a narcissist, you're not, because a narcissist would never ask themselves that.
Literally. So,
Jenna Brown: yeah. 10 times out of 10. I'm like, "Am I a narcissist?" I did that to one of my friends. I'm like, "Is this, does this make me a narcissist?" And she's "No. The fact that you are OCD about it tells me that you're not
Jacquelynne Holmes: a narcissist." Yeah, and that's a place a lot ... I think a lot of coming back to the 200, I don't know why, 250K, I think it was, like, yeah.
Jenna Brown: Yeah, sure.
Jacquelynne Holmes: People listening making 200K, I think that that's the, a common behavioral pattern for that [00:45:00] income level too, because we see the big, quote-unquote, big people in the space are, like, you know ... Which that target's always gonna be moving too, because you could be making- Of course ... tens of millions of dollars.
There's always gonna be someone making more money than you.
Jenna Brown: Yeah.
Jacquelynne Holmes: There's literally always gonna be someone prettier than you, with a better car than you. They have better hair, they're ... Whatever. It's so that never goes away. We have to address the root of where that's coming from, because that's not a problem that's actually solved by money, so.
Jenna Brown: Mm. Yeah. It's so true, and it's so annoying. I feel like I say that 10 times a day, where I'm like, "I know you think at whatever level you're trying to get to that you're not gonna have those thoughts, but you are. It's gonna be the same." Yeah. It's like the same thing, where you're just like, "Wait, I thought I would get here, and I'd finally feel like I arrived," and I'm like, "Wait, I'm still a mess.
I still need more systems and structure and support, and I still have to invest, and I still have to be scared, and I still have to move through these emotions," and it's ex- ... It's yeah, everybody's doing that. But there [00:46:00] really is this, especially in that space, where you're like, "Oh, well, once I hit a million dollars, I'm not gonna feel that way," and it's you are.
Yep. Because the goalpost will just move, and you'll be- Yep. 'Cause it does. And honestly, that's why we are entrepreneurs, because we love that, and also, you have to master that. It's mastering your dopamine, of you have to be able to master the wanting and also the being at the same time.
Jacquelynne Holmes: Mm. Wow, I love that.
The mastering the dopamine really hits, 'cause I ... Yeah, one of my clients outside of this industry, he's, he was making several million a year, and still questioning if his parents were proud of him.
Jenna Brown: 100 ... Uh, yeah.
Jacquelynne Holmes: I'm like, "If your parents aren't proud of you, uh, and you're making millions and millions and millions they're never gonna be proud."
It's just, yeah. Yeah. It's so pack up all the ba- ... All the problems you think are so special and unique, you're just like the gentlest snowflake on the planet. Just go ahead and pack up all of those problems, and just put them on your back and take them with you while you make the money, because that's gonna be actually the fastest way to go through it [00:47:00] anyways, rather than just staying in the- I'll just stay here 'cause it's comfortable and I don't have to...
No, just pack up all your baggage and take it with you
Jenna Brown: This is literally, I tell people this all the time, every single up level I've had, which like obviously like we up level gradually, but there's been times where I'm like, "Whoa." I just like completely up leveled what I am receiving, like naturally without even trying.
And every single time it's the same exact revelation, which is there's somewhere in my life where I'm saying ... where I perceived that this problem or personality trait or thing would be fixed at this next level, and then I'm remembering exactly what I'm about to say, which is, "Oh, I am myself wherever I freaking go.
And what if I just let myself be re- receiving that and still be messy and whatever this thing is?" Mm-hmm. I'll never forget before 10K Months, I was like, I just assumed everybody who was, unconsciously of course, everybody who's making 10K Months is like organized. And I was like-
Jacquelynne Holmes: Mm-hmm ...
Jenna Brown: I am gonna be the person [00:48:00] that wakes up early, and I'm gonna be organized, and I'm gonna have, you know, a notion template that I actually follow on my whatever.
And I'm gonna make my bed in the morning, and I'm gonna know how to close cupboards. And at some point I was like, "Girl, you're gonna have ADHD at every level." Yeah. "So you might as well just let yourself make millions and also not make your bed."
Jacquelynne Holmes: Yeah.
Jenna Brown: It- But even better, I hire somebody to make my bed now, which is wild.
But like literally, it was like that, and that same kind of ... For me, that's the shadow was like I was so messy. And even in the way that I've built business it's been like, it's been so creative, and then it's the shadow side has always been, "Well, when you're there though you're not gonna be messy." And it's or, or hear me out, what if I never close cupboards like ever, but I can be a millionaire, you know?
Jacquelynne Holmes: Yes. Yep, 100%. 100%. Yeah, 'cause it's it's moving the horizon up. So like the horizon is, oh, once I do X, Y, and Z I'll [00:49:00] be ... Then that'll be ... That'll qualify me to play in this game. And it's no, actually the ... You're qualified now. The horizon is now. Now what are you gonna do about it? So now what are you gonna do when the pile of dishes in the sink isn't a problem?
Jenna Brown: Mm.
Jacquelynne Holmes: How's ... You know, what ... Now that that's not holding you back, now what are we gonna do? What action are you gonna go take? So, yeah.
Jenna Brown: I love that. Okay. So for all of the girls who are obsessed with you now, as they will be when they listen to this- ... how, where do they come find you? How can they work with you?
What type of offers do you have so that they- Yeah ... know what they're inquiring about when they DM you?
Jacquelynne Holmes: Yeah, so really the first place to get started is to book a financial strategy session with me. So this is where we sit down for 75 minutes. You can submit documents ahead of time so I can review
You know, bring me the mess, basically. So we can review what's going on in your financial systems in your business or your bookkeeping systems. So, uh, my financial strategy calls are always available. You can find those on my website. It's [00:50:00] luxomconsulting.com, so it's L-U-X-O-M, Mary. consulting.com. And my Instagram is luxthemoneywitch, and yeah, that's where you can find me.
That's the first place to start, and then from there I offer ... You know, every client I have bespoke services for. So with some of my clients we're just doing more of the consulting and coaching. With some of my clients we're doing, you know, way, overhaul of their financial systems and how their business runs, and their accounting and bookkeeping.
So, yeah, if you need any of those services, I'd be happy to chat with you about that.
Jenna Brown: Yay, I love it. Thank you so much for being here. This has been so fun.
Jacquelynne Holmes: Thank you.
Jenna Brown: I can't wait for everybody to listen and give us the feedback. Hop into our DMs. Let us know what you loved. We love that when you do that.
Come in and, and share with us any light bulb moments that you experienced while listening. And thank you, Jacqueline, for being here. We appreciate
Jacquelynne Holmes: you so much. Thank you. Thank you.
Outro: Remember, overflow isn't something that you chase. It's something that you become available for, and you all know [00:51:00] that I love When you pop into my dms, post an episode, come and share with me what you loved about it. Leave a review for me. That helps so much on the podcast side. Share this to your profiles.
Thank you ultimately for being here, being a part of this community, being a part of this transmission and reality shift for us, for my children, for your children, and for generations to come. I love you all.
