Episode #126 — Finding Balance with Shelia Heard

Is it a constant struggle to find balance in your life? Today on Financial Fluency, I have Shelia Heard with me. Shelia is a retired Army veteran and the founder of My Life. My Terms Movement. On the show, Shelia will help provide tips to help keep things more in balance.

Shelia tells me that she originally didn’t plan to retire from the Army and jump right into her business. Sadly, one family tragedy after another came year after year for Shelia. First, her daughter got sick and lost her eyesight and mobility. After that, her youngest son was diagnosed with a mental illness. And the year after, her oldest son passed away and her younger son was charged with the murder.

Shelia works with all kinds of women to help them find awareness to get them to understand where (and why) they are now. To her, shifting your mindset is the first step to change.

Quotes from the Show

“This is my life. I need to be responsible for it.”

“You can’t see everything. You have to listen to the coach…who is it that you want to be like? Who is it that you want to become? What can you do to have that life that you want?”

Shelia’s Personal Message

“Control self, control your life. Pain is unavoidable, suffering is a choice. Why: The storm can blow you any way but loose; however, you can position yourself to blow every which way and still come out focused and ready to take the next step despite the odds.”

To learn more about Shelia, visit her on Facebook at

#126 — Finding Balance with Shelia Heard

Shelia Heard, a retired Army veteran and founder of the My Life. My Terms™ Movement is notorious for refusing to give up on self despite the circumstances. Her resilience will inspire you. You will feel power boiling up inside your gut, until it bursts open, freeing you from the control suffering and sorrow once had over you. That’s because Shelia believes that while pain is unavoidable, suffering is a choice. She will invite you to choose freedom, to choose happiness, to choose life…on your own terms.

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Let’s Keep the Conversation Going

If you’re enjoying the podcasts and something has lit a fire for you, carry on the conversation over on the Financial Fluency Facebook Group. And if you are interested in creating some Happy Money Habits, check out my free PDF here!

Jen x

Episode #86 Healthy Balance with Rachita Reddy

Are you overweight, suffer from bloat and/or high blood pressure or have a family history of these things?  Today I am pleased to have Dr. Rachita Reddy with me.  Rachita is a double board certified Nephrologist (kidney specialist), and Internist.  Her emphasis is on wellness and healthy balance, rather than treating sickness, and helps her clients manage hypertension and weight loss towards better health.  

In an article she recently had published, Rachita share some great tips on how to get ready for a big event where you want to look your best and shed some belly bloat.  These included eating more asparagus, drinking a gallon of water daily, and for 4 days prior to the event, going without any carbs or alcohol.  

Her website,, has loads of tips to help readers lower their blood pressure naturally, lose weight, and create a healthy lifestyle.

Rachita has a side business doing 1:1 health coaching, so she can reach people before they have kidney problems, and help them prevent illnesses and ultimately, live a longer, healthier life, and avoid expensive health care costs in the future.  She is also creating a series of articles on the importance of water as a health benefit along with a step by step course on how to implement it to help with energy, weight loss, bloating and blood pressure management.

Rachita not only talks the talk, she walks the walk!  She recently participated in her first power-lifting competition and came in third!  As the daughter of Neelam Sethi, creator of the website , Rachita credits her parents for encouraging her to work hard and go the extra mile to better her life and that of others.       

Rachita Shares her Personal Message   

Is it possible to have a successful job, raise a close family, maintain a social life AND look better than your pre-baby body? Over the past 3 years, I have transformed from a never before exerciser eating a chronic take-out diet into a regular gym attendee who now prepares home cooked meals and packs lunches for work. I have lost 40% of my body fat, dropped from a size 10 to a size 2 (while having 3 children under the age of 7!), and coached dozens of my patients to lose 20+ pounds while reversing their high blood pressure. Many of my strategies can be found on my website

You can learn more about Rachita and how she can help you on her website at

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Financial Fluency Episode 65 – Raise Top Kids with Neelam Sethi

Article in The Root of Life:

Dr. Rachita Reddy

Rachita Reddy, MD, MPH is a double Board-Certified Nephrologist (kidney specialist) and Internist with training from UC Berkeley, NYU and Lenox Hill Hospital. Her mission is to improve health (rather than treat sickness) through her passion for hypertension management and weight loss strategies. She customizes plans for patients targeting nutrition, stress, hydration, fitness and sleep to reverse high blood pressure and lose 20+ pounds.

Not only is Rachita a doctor, but she is a wife, mother of 3, and has integrated her philosophy into her own life and is more fit and healthy now than ever before. She is the founder of where readers can get a FREE recipe to blast belly bloat instantly.