Rich looks loud. Real wealth whispers.
If your paycheck died tomorrow, would your life survive?
Monica Kaufman is a straight‑talking wealth strategist and founder of Harmony Wealth Academy. Daughter and granddaughter of soldiers—and mom to a U.S. Army officer—she turns tangled budgets into freedom plans for veterans and their families.
The night her husband's layoff cracked their "perfect" budget
The trapdoor hiding inside every good paycheck
Naming every dollar before it hits your account
A disabled‑vet couple that wiped out $45k of debt in 14 months
Why real wealth feels boring and why that's the point
The mindset shift from chasing paychecks to buying freedom
⏱ Timestamps:
00:00 Intro
01:30 Money stories we inherit
05:40 Term life vs wealth protection
09:07 Coaching women entrepreneurs drowning in expenses
13:45 Debt traps up to the eyeballs
17:50 One income invest the other plan
25:10 Mapping freedom on a whiteboard
29:05 Must‑have safety net: disability insurance
34:28 Risk tolerance isn't a number, it's a story
42:15 Mindset before spreadsheets
50:40 Investments that pay your lifestyle
58:00 Wealth whispers over flashy spending
1:05:30 Action steps for transitioning service members
1:11:45 Final charge: live a life that doesn't need a paycheck
LinkedIn: https://www.linkedin.com/in/monica-k-39b02b14a/
Website: https://harmonywealthacademy.com/
Subscribe to the newsletter: https://strategicveteran.com/newsletter
My name is Adam Peters, and I’m here to unf*ck the transition.
