Stephanie Kremic

05/03/2022

Dear Wealthy Women,

The appreciation of real estate has turned many homeowners into millionaires and then leaving then with a question… should you sell your house now or wait? Should I not sell? The housing market 2022 is making record highs- and many homeowners have considered selling, should you?

In this video, I take you through some client case scenarios from a financial planning perspective to help you decide on the best course of action for you, real estate, and your life.

Real estate is one of the largest assets purchases most individuals make and real estate investing is big investment. {video in comments}

To your wealth,
💚 , Steph

04/26/2022

Why is money so hard? You want to share your gifts with the world. You want to fully experience life. And it seems like money's just right smack in the middle of everything causing more financial stress and keeping you financially stuck rather. Whether you are trying to make ends meet, not saving or investing, or hit an income plateau, I want to offer you some guidance so you can have financial independence and financial security.

In this video, I share the #1 thing most people do unconsciously to keep them financially stuck. {video in comments}

To your success,
💚 Steph

04/19/2022

Whether you are buying a home when self employed, renting an office, or in need of a line of credit for your small business, you’re going to need a good credit score to get a loan.

Steps on how to get a higher credit score:

1.) On time payment history: don’t miss a payment. This accounts for 35% of credit score. At least pay the minimum owed to maintain your credit score.
2.) Derogatory Marks. These are comments or notes made by creditors. Get them cleaned up as asap.
3.) Credit Utilization. Use less than 30% of your credit available to you.
4.) Number of inquiries. Anytime you apply for credit, it’s reported to the credit bureaus and shows up on your report as a “hard inquiry.” This helps lenders keep track of how many times you’re going and asking for credit.
5.) Total number of credit lines. Includes, credit cards, auto loans, mortgage. If you’re trying to increase your credit score, keep credit lines open (length of credit history matters) and manage your utilization.

In this video, I go into detail on the areas to focus on when to increase your credit score explained. {video ⬇️}

To your financial success,
💚 Steph

04/12/2022

With all the different types of retirement accounts out there, which one should you open first? This is a common question for investors.

In this video, I take you step by step on which account to open first- from 401k, Roth IRA, Traditional IRA, and HSA. Some accounts offer tax free income, no required RMD, tax deductions, early withdrawals or a triple tax benefit.

Whether you are retirement planning for self employed, wondering if a health savings account is right for you, or just getting started with saving for retirement – these accounts offer you tax deferred growth and future passive income to reach your financial goals.

To your financial success,
💚, Steph

04/05/2022

Hello Wealthy One!

Whether you need extra cash for your business or looking to make an investment and need a short-term loan, you'll want to know your option before using your retirement funds.

When you're running a business or self-employed knowing how to use your retirement planning and the IRA withdrawal rules - as well as avoid IRA penalty early withdrawal - can help you meet short and long term financial goals.

In this video (link ⬇️) , I cover how to take money out of retirement accounts early, tax free withdrawal, which accounts you can take a loan vs. withdrawal. Including - 401k withdrawal, solo 401k loans, Roth IRA
withdrawal rules and 60 day rollover rule for IRA, SEP IRA, and SIMPLE IRA.

To your success,
Steph

P.S...
💲 get access to EXCLUSIVE MONEY TIPS that I can't share on social.....https://www.stephaniekremic.com/money-tips-to-your-inbox

When you're running a business or self-employed knowing how to use your retirement planning and the IRA withdrawal rules - as well as avoid IRA penalty early...

03/15/2022

Putting money into a retirement account gives you choice in the future.

And having a retirement account that works best for YOU gives you even more choice when you need it.

My recent blog post sheds some light on key elements of the Roth IRA, and why it may be a good option for self-employed women. Here's what you need to know:

💚 Flexibility. The Roth IRA gives you choice when it comes to your retirement savings.
💚 Tax-free income, when you're ready. There is no required minimum distribution (RMD).
💚 Options for early withdrawal. Your money ready when you need it for long-term goals or short-term needs- no strings attached, and no taxes owed.

Learn about the Roth IRA and take the steps to reach your goals - LINK in comments ⤵️

03/08/2022

With all that is going on in the world, lately it has taken more effort for me to smile (if you know me, I'm usually sporting a HUGE 😁). My son snapped this photo over the weekend and I gave him my best smile.

Sometimes, we just need to give our best and that is a really good thing. Giving our best means we care about others and their well-being.

On this International Women's Day, I honor all females, women, and girls ✨
I'm blessed to be a sister with you on this journey. I know you are giving your best to create a wonderful world.

AND, I am sending my love, prayers, and light to the women and girls fleeing Ukraine for a safe journey. My heart is with you ❤️


❤️

02/22/2022

LOVE on 2.22.22//something awe-mazing is happening ❤️

The more I love myself, the more I love others.

A long time ago...somewhere along the way... I learned that self-love is selfish and to always put others first. YIKES 😳. This turned out to be a slippery slope.

I questioned that personal belief and "tried on" intentionally loving myself these past few years. AND this is what has happened:

❤️ I give love to others from a place overflow (vs. I have to do XYZ)
❤️ I have a deeper sense of intuition
❤️ I can fully receive and feel love from others
❤️ I'm having way more fun 💃 I'm a joyful human

Something Awe-mazing is happening 💥

Is this maturity or is it love? Maybe both 😍

What is your experience with loving you?

02/17/2022

I know so many of you are working your tail off and holding unwavering faith. I honor you.

Please know you are deserving of your dreams. You are worthy. You are loved.

Sending you enormous love.
💚, Steph

01/31/2022

Guess what? 😏 This week, I outsourced another task in my business. And, I didn’t make the decision on a whim or hope.

I made it based on timely money metrics in my business... meaning, tangible business criteria and knowledge that I can afford to sustainably outsource the task.

It brings me enormous peace knowing that my team and I can engage talent without stressing about finances!

➡️ Is it time to outsource a task so your business can grow?
➡️ Do you know how much your business can sustainably spend to outsource the task?

A stress-free way to spend money to expand your business is knowing your money metrics. You can make timely decisions without financial worry.

For your business to grow, your business is going to need you focused on your genius (and that may mean outsourcing tasks).

Join me on February 2 for Money Masterclass and learn these money metrics. I know that this knowledge will change your business and set you up for sustainable, successful business growth!✨Link in comments.✨

Do you feel like you're carrying too much? Are you ready to focus on what you do best?

Let me know, I'll see you in the comments ⬇️

01/25/2022

If you are working towards a big goal or getting close to your dream, don’t let contrary thoughts sabotage your dream.✨

In this video, I share my personal experience of going for a big dream with my husband and how I nearly sabotaged it with my thinking.
My hope is this story gives you the courage to allow you to have your dreams and welcome personal growth and success into your life.

To your success 💚,
Stephanie

P.S. Have you had a similar experience? I'd be honored to learn about your experience. Comment below or send me an email: [email protected]


Video link in comments ⤵⤵⤵