What if waiting for the “perfect” time to invest is actually the most expensive mistake you’ll ever make?

In this episode of Women Growing Wealth, Tamar Hermes sits down with real-estate legend Kathy Fettke, co-CEO of Real Wealth, author of Retire Rich with Rentals, and host of The Real Wealth Show and Real Estate News for Investors.

With more than 22 years of experience helping thousands of investors grow their portfolios, Kathy breaks down what keeps women stuck on the sidelines and how to start investing with confidence, even in today’s market. She shares exactly how leverage, time, and strategy build lasting freedom. It’s not an overnight success story, just proven steps that work.

What You’ll Learn

✅ Why waiting to invest costs you more than getting started early
✅ How leverage, not luck, accelerates wealth building
✅ The difference between good debt and bad debt (and how to use both wisely)
✅ What “turnkey” investing really means and why it simplifies the process
✅ How to start building a portfolio even if you’re busy or afraid of risk
✅ Why owning real estate is one of the most powerful paths to freedom

Key Takeaways

• You don’t have to time the market perfectly, you just have to get in.
• Real estate builds wealth through time, leverage, and consistency.
• Security comes from education and reserves, not fear.
• Every property is a “golden goose” building wealth while you live your life.
• The cost of waiting is greater than the cost of starting small.

Resources Mentioned

• RealWealth.com
• Retire Rich with Rentals by Kathy Fettke
• The Real Wealth Show Podcast and Real Estate News for Investors
• GetYourEnoughNumber.com — Free calculator to find your financial freedom number

📲 Connect with Tamar

Instagram: @tamarhermes
LinkedIn: Tamar Hermes
Email: tamar@womengrowingwealth.com

Connect with Kathy Fettke

Website: RealWealth.com
Instagram: @kathyfettke

Podcast: The Real Wealth Show and Real Estate News for Investors
Book: Retire Rich with Rentals

What does it really take to go from making money to mastering it?
In this episode of the Women Growing Wealth Podcast, Tamar Hermes sits down with Jane Mukami — born and raised in Nairobi, Kenya, and now the founder of a seven-figure fitness and nutrition business.

Jane had everything she thought defined success: income, impact, and independence. But her money wasn’t working for her — she was overpaying in taxes, letting cash sit idle, and still feeling trapped.

That’s when she learned how to take control of her finances, calculate her Enough Number, and create true financial freedom and mastery — with strategy, mentorship, and clarity.

If you’ve ever wondered how to make your money work as hard as you do, this episode gives you the exact steps to get there.

🎯 What You’ll Learn

• How to turn discipline into wealth and freedom
• The moment Jane realized income isn’t the same as independence
• The smart money and tax strategies that changed her future
• How mentorship accelerates results and builds clarity
• How to calculate your Enough Number and use it to make powerful decisions

🔥 Key Moments

• 00:02:15 – Jane’s journey from Nairobi, Kenya, to seven-figure entrepreneur
• 00:07:40 – The “buy a car” moment that changed her perspective on taxes
• 00:16:10 – How mentorship and strategy collapsed her freedom timeline
• 00:25:30 – The mindset shift from saving to investing
• 00:33:00 – What financial mastery really looks like once you arrive

Most women know how to make money — but few are taught how to master it.
Jane’s story is proof that financial freedom isn’t about working harder or earning more; it’s about using strategy, mentorship, and intention to build a life you love.

Takeaway

You don’t need to overhaul your life to create freedom — you just need a plan that aligns your money with your goals.
Learn from Jane’s journey, take the steps, and get to financial freedom and mastery the Women’s Way.

• Find Your Enough Number to Become Financially Free: Download a free workbook and caluclator: GetYourEnoughNumber.com
• Join the Movement: WomenGrowingWealth.com

💬 Connect with Jane Mukami

Website: www.fitkenyangirl.com
Instagram: @fitkenyangirl
Facebook: Jane Mukami Fitness
LinkedIn: Jane Mukami

In this week’s episode of Women Growing Wealth, I sit down with leadership and mindset coach Dena Patton, a woman who went from broke and having a stroke at 28, to building multiple purpose-driven businesses and a powerful nonprofit.

Dena shares how mindset mastery, self-worth, and redefining your relationship with money can transform not only your business but your entire life. We talk about breaking through financial limits, building legacy-level impact, and how to go from “good” to truly great.

This conversation will remind you that no matter how much you’ve already achieved, there’s always another level of growth and giving waiting for you.

What You’ll Learn
✅ How your mindset shapes your income and impact
✅ Why self-worth directly affects how much wealth you allow in
✅ How to identify your “smallness narratives” and replace them with greatness
✅ The difference between chasing success and building legacy
✅ Why philanthropy and purpose amplify your abundance
✅ Simple practices to shift your inner dialogue around money

Key Takeaways

• You don’t have to choose between profit and purpose — you can do both
• Greatness attracts greatness. When you trust yourself, opportunities multiply
• Your circle matters. Surround yourself with people who expand your mindset
• Small giving grows over time — start where you are
• True wealth comes from contribution and self-trust

Resources Mentioned

• The Greatness Game by Dena Patton
• Girls Rule Foundation
• DenaPatton.com
• Follow Dena on Instagram: @DenaMariePatton

Ready to Build Your Own Real Estate Wealth Strategy?
Just like we talk about in this episode, wealth starts with knowing your numbers and aligning your investments with purpose. Before you dive in, start with your baseline knowing how much money you need and want to be financially free and see how you can adjust the lever of inflation with smart investments and tax strategy.

My free calculator is a great place to start:
→ GetYourEnoughNumber.com

Connect with Tamar

Instagram: @tamarhermes
LinkedIn: Tamar Hermes
Email: tamar@womengrowingwealth.com

Inflation is stealing your money every single day, but the wealthy have figured out how to make rising costs work for them instead of against them.

In this episode of Women Growing Wealth, I’m breaking down the three simple facts about beating inflation that women tend to overcomplicate, plus the exact strategies you can start using this week to protect and grow your wealth.

💡 What You’ll Learn:

✅ Why that $200 restaurant bill reveals the real threat to your financial future
✅ The 3 wealth-building levers the 1% use (and why they’re simpler than you think)
✅ How compound interest becomes your secret weapon against inflation
✅ The difference between assets that protect you vs. those that hurt you
✅ Why chasing high returns backfires (and what to do instead)
✅ Simple action steps you can take this week to start inflation-proofing your wealth

🔑 Key Takeaways:

• At 3% inflation, your money loses half its buying power every 24 years
• If you need $100K in retirement today, you’ll need $181K in 20 years just to maintain the same lifestyle
• Time is your most powerful wealth-building tool and the one thing you can never buy back
• The wealthy don’t fight inflation, they own assets that rise with inflation

Resources Mentioned:
• Get Your Enough Number (factoring in inflation): getyourenoughnumber.com

• I Bonds: TreasuryDirect.gov

• Join the Women Growing Wealth Community: womengrowingwealth.com

📣 Want to get ahead of inflation?
Start with your baseline knowing how much money you need and want to be financially free and see how you can adjust the lever of inflation with smart investments and tax strategy.

My free calculator is a great place to start:
👉 GetYourEnoughNumber.com

📲 Connect with Tamar:

Instagram: @tamarhermes
Website: https://womengrowingwealth.com/
Book: The Millionairess Mentality: A Professional Woman’s Guide to Building Wealth Through Real Estate
Email: tamar@womengrowingwealth.com

Most women think building wealth means saving more and spending less but that’s not what wealthy women do.

In this episode of Women Growing Wealth, I share the 10 money moves that separate wealthy women from everyone else. These are the strategies I’ve seen turn $50K into $5M, debt into wealth, and financial anxiety into complete freedom.

From tracking your net worth to using debt strategically, mastering real estate formulas, and knowing your Enough Number, these moves will shift the way you think about money forever.

In this episode, you’ll learn:
✅ Why wealthy women track net worth, not budgets
✅ How to invest like you’re already rich
✅ The formula for turning rental properties into long-term cash flow
✅ How to weaponize good debt to grow faster
✅ Why treating taxes like a business expense saves thousands
✅ The freedom that comes with building your FU fund
✅ Why most wealthy women concentrate before they diversify
✅ The importance of automating your wealth building
✅ Why investing in uncomfortable growth accelerates results
✅ How to calculate your Enough Number and create your plan for freedom

Ready to make your next money move to go from Financially Successful to Financially Free?

Get your free Enough Calculator → getyourenough.com

Uncover Your Enough Number with Tamar at

Join us live to map out your Freedom Blueprint Oct 15-17 in Austin→ womengrowingwealthretreat.com

Follow Tamar on Instagram: @tamarhermes
Connect with Tamar on LinkedIn: https://www.linkedin.com/in/tamar-hermes-53b9114a/

In this episode of Women Growing Wealth, I sit down with real estate powerhouse Avery Carl, bestselling author, serial investor with 250+ doors, and founder of The Short Term Shop, the leading platform for short-term rental education. We dive deep into how she built her incredible real estate empire from the ground up while raising a family.

We'll cover:

• How Avery turned a single property into 250+ doors
• Why short-term rentals can fast-track wealth for high earners
• The tax advantages that make Airbnbs so powerful
• When to diversify into long-term rentals for stability
• The systems that make scaling possible without burnout

The best part? You don't need millions to get started. You need clarity, strategy, and the right moves.

Connect with Real Estate Mogul Avery Carl

Instagram: @theaverycarl

Instagram: @theshorttermshop

Website: theshorttermshop.com

Key Takeaways

• Short-term rentals create cash flow fast
• Systems = freedom (not just hustle)
• Diversification builds long-term stability
• Real estate can work for your lifestyle, not against it

Ready to Build Your Own Real Estate Wealth Strategy?

Just like Avery shows us, real estate is one of the most powerful ways to build wealth and combat inflation. But before you dive in, you need to know your numbers. Start with your baseline knowing how much money you need and want to be financially free and see how you can adjust the lever of inflation with smart investments and tax strategy. My free calculator is a great place to start:

GetYourEnoughNumber.com

Connect with Tamar

Instagram: @tamarhermes

LinkedIn: https://www.linkedin.com/in/tamar-hermes-53b9114a/

Email: tamar@womengrowingwealth.com

Do you actually know how much money is enough for your life? In this episode of Women Growing Wealth, I break down the Enough Number—the amount of invested capital that covers your lifestyle with passive income so you can stop chasing “more” for more’s sake.

We’ll talk about:
✅ How to price your real lifestyle (not a survival budget)
✅ The impact of investment returns on your Enough Number
✅ Why taxes and inflation change everything
✅ Why your number is a living number that grows with you

The best part? Most women are far closer to financial freedom than they think.

🎯 Free Enough Calculator → getyourenoughcalculator.com
📞 Book a Wealth Strategy Session → callwithtamar.com
📧 Share your Enough Number → tamar@womengrowingwealth.com

🔑 Key Takeaways

• Freedom is not about 8 figures. It’s about clarity.
• Your return assumption is the power lever that can shrink your number by millions.
• Inflation + taxes = silent killers if you ignore them.
• Your Enough Number is living—it shifts as your life and money evolve.

👩‍💻 Work With Me

If you’re a financially successful woman earning $200K+ and you’re ready to align your investments, taxes, and Enough Number strategy, join the Women Growing Wealth mentorship.

👉 Book your private call: callwithtamar.com

Get Your Enough Number
http://getyourenoughnumber.com

📲 Connect

• Instagram: @tamarhermes
• LinkedIn: Tamar Hermes

Email: tamar@womengrowingwealth.com

If you’ve ever wondered how to actually balance multiple companies, manage several income streams, and still keep your focus on building generational wealth—this episode is your blueprint.

Martha Mazor doesn’t just talk about it—she’s lived it. She built Whiz Kidz Preschools from a single garage classroom into an eight-figure, award-winning business with six locations, all while investing in real estate, mentoring entrepreneurs, and raising three kids.

Here’s what we cover:

• The systems and time-blocking strategies that keep her businesses running without her in the day-to-day
• How she’s designing her empire so it could be sold tomorrow—at a high multiple
• The simple property-buying strategy she’s using to set her kids up for life
• Why delegation and culture are the secret to scaling without burnout
• How to reinvest profits to multiply wealth without overleveraging

If you want a peek behind the curtain of a woman running multiple thriving ventures—and the exact moves she’s making to grow her wealth while keeping her time—you’ll want to listen start to finish.

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How Much Money Do You Really Need to Become Financially Free?
Inquire about attending one of our in person dinner workshops or our virtual happy hour workshop to understand how to calculate your number and discover your gap to get there. Our clients tell us “Wow, that was SO eye opening!”
E-mail us at abundance@womengrowingwealth.com to register for free.

Do you want to save on taxes, gain access to investment opportunities, and start using the strategies of the wealthy? Book your call to see how The Women Growing Wealth Investor Mentorship can help you reach your financially free goals. http://callwithtamar.com

🔔 Subscribe to the podcast
If this episode spoke to you, leave a review and share it with a friend who needs this reminder.

🔗 Connect with Martha Mazor:

Instagram: https://www.instagram.com/the.empire.builder

Get Your Time Blocking Tool ⬇️

Website: https://marthamazor.com/