Total Wealth with Kate

Total Wealth with Kate Wealth coach helping financial late bloomers create their richest life. Best-selling author writing my next book: The New Retirement Paradigm.

I demystify finance and investing and help you gain peace and clarity with money. I'm a wealth educator who believes that people are born to be powerful, prosperous and free. We are trained to work for others, spend the money we make, then hand control of whatever is left to “Mr. Wall Street.”

7 out of 10 Americans surveyed say money is their #1 stressor, but it doesn’t have to be that way! By ch

anging how we THINK and FEEL about money and committing ourselves to learning and action, we can create prosperous, fulfilling lives. Creator of programs such as “ReWrite My Money Story” and “Wealth School,” I help people transform their relationship—and their results—with money. In addition to my financial transformation work, I have co-written or edited 6 financial books, including the Amazon best seller, “Perpetual Wealth” (with Kim Butler). For 10 years, I wrote a weekly newsletter for as many as 7,500 investors. I live in beautiful Washington State and work via phone and zoom. When I’m not working, I also love to hike, sing and write songs, and travel to beautiful places.

08/22/2026

Most of us start saving and investing at some point with the best of intentions.

Then… life happens.

Divorce.
Downsizing.
A failed business.
A medical diagnosis.
A death in the family.

For me, it was losing everything in the Great Recession as a real estate investor while caregiving my father and navigating a health crisis.

Years of progress…
Two rental homes…
A multiple six figure net worth...
The dream home lost in foreclosure—

All gone!

I had started over once before, after a divorce.

Then I started over again, from nothing, at 50.

I bought a home again at 54.
I learned to invest at age 56.
I doubled my money the year I turned 58.
I started helping others learn to invest at 59.

And now I realize—it’s almost never too late to start again.

10 years from now, you’ll be 10 years older.
What can happen in the next 10 years? (A lot!!)
You have a say in who you become.

If we haven’t met yet, I’m Kate.

I lost everything in a midlife financial storm and now I help other financial late bloomers discover their richest life.

If you’ve got a gap to close and catching up to do—or maybe you just want to learn investing from someone who speaks in a language you can understand…

Welcome. Give a follow and stay awhile. ☺️

08/22/2026

Make wealth a “must” by making investing a non-negotiable in your life.

You can start building wealth on $10 a day—or however much you can save.

The important thing is to make it an absolute “must”!

Want to know how I’m investing my money?

Join me for “Beat the Market with ETF investing”—encore event 8/25 (or catch the replay)

Register and add to calendar at link in bio or comment “Invest”

Make building wealth a non-negotiable!

Interested in learning how to invest? Or maybe you’ve been investing for some time, but you’d like to understand how to ...
08/19/2026

Interested in learning how to invest?
Or maybe you’ve been investing for some time, but you’d like to understand how to get better results?

In the next few days, I’ll be gathering students for my next program on investing with ETFs—exchange-traded funds.

You’re probably familiar with passive investing with index funds, such as tracking the S&P 500.

This is where we start—then we’ll dive deeper into targeted ETFs and the investing trends I use to often “beat the market”—WITHOUT:

🚫 Picking individual stocks
🚫 Complicated technical analysis
🚫 Time-consuming methods or
🚫 Risky trading strategies (options, leverage)

Interested to know more? Comment “Invest” for access to a free training, “Beat the Market with ETF Investing.”

In case we don’t know each other—I’m Kate, a money geek, self-taught investor and coach helping other financial late bloomers catch up and close the gap on their Rich Life.

I’ve been told I make finances fun! 🤠

08/19/2026

I don’t know who needs to hear this…
But you don’t need anything from Amazon today!
(You’re welcome) 😁

08/19/2026

Most people think you need to invest in individual stocks in order to “beat the market.”

But that’s simply not true!

There’s a fruitful middle ground between passively investing in broad-market index funds and picking individual stocks…

And I’ll be sharing more about it at a free live training, “Beat the Market with ETF Investing.”

Comment “Invest” or find the class at my link in bio.

08/18/2026

10 Things About Investing Most People Wish They Knew SOONER!

1: You can start with almost any amount.
(Just $1 with some brokerages!)

2: You don’t have to pick individual stocks.
ETFs (exchange traded funds) can give you instant diversification.

3: You don’t have to be an expert to start investing.
You can start small and learn while you invest.

4: You can invest for more than just “retirement.”
Investing helped me go full-time in my own business sooner!

5: There are ETFs for almost everything.
You can invest in the entire market or just a piece of it: certain industries, countries, real estate, trends like precious metals, AI, or alternative energy.

6: Fees matter more than most people realize.
“Little” 1.5% management fees can drain away 30% of your future fortune!

7: You don’t need to constantly watch the market.
Investing and trading are two very different things.

8: You can lose money in a “safe” investment.
Even great companies see share prices plummet during a crash or recession.

9: Cash sitting on the sideline has a cost, too.
The cost of NOT investing is your “opportunity cost.”

10: Your biggest advantages are time and compound growth.
Before you know it, your dollars will be earning you dollars!

JOIN ME for “Beat the Market with ETF Investing” August 20

Comment “Invest” or find at my bio link.

08/17/2026

The S&P 500 is almost synonymous with “the stock market.” But it’s not infallible, and it’s not the only way to invest!

It has an impressive track record of gains—punctuated by devastating losses.

Recently, high-profile investors and commentators have warned of an AI bubble and overpriced stocks.

We’ve some correction—but is there more to come?

In 2026, I downsized my S&P 500 position and paid closer attention to trends as well as diversifying for stability.

Year to date, my Roth IRA has outpaced the S&P 500 by ~5 points.

ETFs—not stocks—are my primary tool for a profitable portfolio without time-consuming analysis or risky bets.

Join me for a free training,
“Beat the Market with ETF Investing”
August 20 at 2pm Pacific/5pm Eastern
(Replay available)

I’ll show how ETFs can help you reach your investment goals faster!

Register at the link in the comments or at Linktree in bio.

(Not investment advice!)

08/15/2026

(With apologies to all the great advisors out there.)

This especially drives me crazy after observing what many advisors did in 2020…

As businesses closed for Covid mandates and supply chains were disrupted, it was crystal clear that the stock market was headed for a crash.

And instead of strategizing to reposition client assets, most advisors—the ones who are really just mutual fund salespeople—strategized how to KEEP CLIENT ASSETS AT RISK IN THE MARKET.

I.e., they sent memos on how to protect their OWN ASSets!

What did your advisor do during this time?

If they were blindsided by the Covid crash—they WEREN’T PAYING ATTENTION!

(Sorry for all the “yelling,” but how did I conquer the stock market as a NEWBIE in 2020 while so many professionals FAILED??)

To be honest, I can spot patterns a MILE away. And I used that to DOUBLE my money in just one year.

Join me for “Beat the Market with ETF investing and I’ll show you the EASIEST way to capitalize on market trends.

Comment “Invest” or you can find it at the link in the comments.

08/14/2026

Roth IRA Myths and Misconceptions

More people would invest inside of a Roth IRA sooner—if they understood the benefits!

You probably know that your money grows tax-free in a Roth IRA and withdrawals are also tax-free. (State taxes are also usually exempt, too)

But there are misconceptions about the 5-Year Rule, Spousal IRAs even what an IRA actually IS.

As far as what to put caps inside of your IRA – I love ETFs, exchange traded funds.

Join me for a free training, “Beat the Market with ETF Investing.”
I’ll show you why I love ETFs and how I use them to outperform the market—with less risk!

Register at the link in the comments.


Address

Cle Elum, WA
98922

Opening Hours

Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 2pm

Telephone

+12066010321

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