Total Wealth with Kate

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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 changing 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.

10/12/2026

If you wouldn’t bet on a sports team that allowed “anybody” to play


Why would you bet your future on investments that accept every company?

Many people use ETFs to invest in the entire market.

That’s what John Bogle, founder of Vanguard, embraced.

But years after his death, the data is clear—buying the whole market is NOT the best strategy, whether you are seeking GROWTH, INCOME, or BOTH.

In this video, I show the true value of ETFs—using them to “filter” the market intentionally for type of stocks you choose.

Yes, market indexes like the S&P 500 can be useful, but even better—build a portfolio that includes ETFs designed to select the “best of the best” companies for your goals.

Comment “Waitlist” to be notified of future programs and free trainings.

10/07/2026

I wish more people knew


6. You don’t have to hire anyone or pay a fee to invest.

7. Most day-traders LOSE money.
Most long-term investors MAKE money.

8. NOT investing isn’t “risk free,” because inflation guarantees cash will lose value over time if not invested.

9. It’s never too late to start investing!

Warren Buffett made 95% of his wealth AFTER he qualified for Social Security at age 65.

Most investors make the vast majority of their wealth after 50 due to the power of compound interest.

10. I’m Kate Phillips, a coach for financial late bloomers.

I started investing for myself in my 50’s, doubled my money, then started teaching others!

If you want me to send you a my latest free training on how I “Beat the Market” and doubled my money, just DM me the word “REPLAY.”

10/05/2026

“Where should I invest $1,000 now?”

“What International ETF should I buy?”

“Just tell me what stocks to buy.”

I’m flattered you would ask—and if I knew you much better, I might have an opinion.

But I don’t want to TELL you what to invest in—I want to help you UNDERSTAND investing so you can make confident decisions. â˜ș

If that’s the kind of help you want
 go check my link in bio for free gifts, my YouTube channel, or email to explore coaching with me.

10/05/2026

What my cat taught me about miracles and abundance.

Little Miss Mocha’s life changed completely in a short amount of time. Two months ago, she was the skinny stray cat who hid under the shed when I brought food. 🙁

She didn’t come to us willingly
 it took us 5 weeks to trap her! Then she stopped eating from stress and illness and we worried she might not make it.

Less than 6 weeks later, she is a new cat with a new life! She can still be skittish and fearful at times, but she is quickly leaning into love and trust. 💕

Watching her life change, I can’t help but wonder
 what is possible for any of us when we are open to abundance beyond our stories and experience?

Where am I being fearful when there are greater forces waiting for me to trust and receive?

Or where is deeper joy available by helping something/someone else at a deeper level? (Our lives are richer, too! đŸ„ČđŸ„č)

The Cat Distribution System is alive and well
 and perhaps it’s just the tip of the iceberg of the Good watching out for each of us, even when we can’t see it. đŸ˜»

10/02/2026

Are You a Financial Late Bloomer?

If you keep telling yourself you’ll start investing “soon,” but you never start—here’s why!

1 - Perfectionism keeps you researching
 and procrastinating!

2 - You’ve never invested for yourself
 only in a 401(k) through a job you no longer have.

3 - You’ve lost money on “hot stock tips” and decided maybe investing wasn’t for you. 😅

4 - You’re afraid it’s just “too late” to start, and the longer you wait, the more you feel it!

5 - You haven’t made investing a priority, so money gets spent elsewhere.

6 - It always feels like the “wrong time“ to jump into an uncertain market or economy.

7 - You opened a brokerage account, then got so overwhelmed at where to start, you never did!

8 - You’ve heard all the horror stories of people losing money, so you keep playing it safe by saving—not investing.

Which reasons reasonate for you?

Wherever you’re starting from, you can accomplish more than you imagine by simply starting (or starting again).

Want an invite to my next investing class where I teach you to invest—without picking stocks!?

Comment or DM “invest” to get on the notification list.

10/02/2026

Money isn’t the most important thing in the world— not by a longshot. But it touches everything that is.

The home you live in.
The healthcare you have access to.
The quality of the food you eat.
The freedom you have with your time.

And that’s why money is important.
—Kate Phillips, Total Wealth

09/30/2026

I was that nerdy girl with the top SAT math score in high school


Now I’m the nerdy investor who compares ETFs — and builds portfolios beating the S&P 500!

It gives me extra joy to find “best kept secret” ETFs—like Fund Number 2!

FUND 1:
VT, the popular Vanguard Total World Stock ETF.

FUND 2:
IOO, iShares S&P Global 100.
(Curious if you’ve heard of it?)

If you’d like to learn ETF investing from someone who WON’T tell you to just buy an outdated, under-performing “3 fund portfolio


Today is your last chance to join my ETF Investing program! (We’ve started but it’s not too late to hop in, replays provided)

Comment “ETF” for details—or check it out at my Linktree in bio.

09/28/2026

Can you invest with nothing to lose!?!

You can’t erase risk if you’re investing in the stock market. But I love the mindset shift my client shared!

She started investing while working, is now retired and still investing—with a twist


She paid herself BACK her original investment, so now she is “playing with house money”!

In gambling, when you repay yourself and only invest the winnings, you’re only betting money from the “house”—the casino.

Fortunately; investing with proven strategies is MUCH more predictable—and profitable—than gambling!

Comment “ETF” to get details on my ETF (Exchange-traded funds) investing class
 we just started, but it’s not too late to hop in! Registration extended through Tuesday.






The Universe of ETFs:

There is whole Universe of ETFs
 some good, some bad, some ugly


And plenty of great choices to position yourself for success in the long run.

I review the different types of ETFs in this video. Which do YOU invest in?? (I’d love to hear in the comments.)

If you don’t want “average” investing results—don’t buy broad-based ETFs (exchange-traded funds) with THOUSANDS of stocks!

(The same applies to index funds
 when you buy the whole market, you get the AVERAGE results of the market!)

My ETF Investing program just started—and it’s not too late to hop in.

Comment “ETF” for details.

Registration is extended until Tues, Sept 29, then it’s closes for good.

09/27/2026

The Universe of ETFs:

There is whole Universe of ETFs
 some good, some bad, some ugly


And plenty of great choices to position yourself for success in the long run.

I review the different types of ETFs in this video. Which do YOU invest in?? (I’d love to hear in the comments.)

If you don’t want “average” investing results—don’t buy broad-based ETFs (exchange-traded funds) with THOUSANDS of stocks!

(The same applies to index funds
 when you buy the whole market, you get the AVERAGE results of the market!)

My ETF Investing program just started—and it’s not too late to hop in.

Comment “ETF” for details.

Registration is extended until Tues, Sept 29, then it’s closes for good.

09/23/2026

Have you heard of the ETF putting the S&P 500 to shame–without extra risk!?

That’s because too many people are following the crowd and assuming the best they can do is to simply “match” the market with broad-market funds.

😁📈😁📈

As some who once DOUBLED my money in a single year, I understand what is possible!

Now I’ve gone all-in on ETFs for the great results I can get with FAR less effort and risk than stock-picking.

And I’m sharing what I’ve learned about market trends with a small group of students who want to learn how I often “beat the market”—not just match it—with ETFs.

Want to come along? Comment or DM “Invest” for the details of ETF Investing with Kate.

Address

Cle Elum, WA
98922

Opening Hours

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

Telephone

+12066010321

Website

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