In today’s episode of Wisdom Journey, I sat down with Ann Pells—a real estate veteran and financial coach dedicated to helping families achieve true financial freedom. We got real about paying off your home in record time, starting a business (even when you feel you don’t have the skills or cash), and using what you already know to create real value. Ann shared simple, practical steps—like using other people’s money ethically, and why mindset is the first building block to success. What I hope you take away is this: you don’t have to have it all figured out or tons of money to get started. Ask questions, lean into what you’re good at, and remember—every skill you have could be someone else’s solution. Keep believing, keep learning, and go make something happen. Thanks for listening, and keep seeking wisdom on your journey!Connect with Ann PellsWebsite:https://lifegiverlegacy.com/ LinkedIn:https://www.linkedin.com/in/ann-pells I’m building an online business in public — sharing every win, setback, and “I can’t believe that happened” moment along the way. If you’ve ever wondered what it really looks like to start from scratch, come along for the ride. Join the journey at https://wisdom.beehiiv.com/Chapters00:00:00 – Introduction & Guest Welcome00:01:19 – Ann's Background and Fast Mortgage Payoff00:01:33 – Using Other People's Money00:03:01 – Finding Business Ideas with No Money00:05:32 – How to Buy or Start a Business Without Capital00:07:32 – Running a US-Based Business Remotely00:09:34 – Leveraging Technology & Service-Based Businesses00:11:17 – Asking the Right Questions to Understand Client Needs00:13:13 – Turning Skills Into Business Opportunities00:16:33 – Overcoming Fear of Delivering Results00:18:02 – Under Promise, Over Deliver in Business00:19:33 – Recommended Books & Learning Resources00:19:57 – The Three Steps to Financial Freedom (Step 1: Mindset)00:24:36 – Identifying Your “Second Nature” Skills00:25:24 – Serving & Solving Problems for Others00:26:50 – Gratitude, Giving Back & Impact00:29:06 – Stories of Generosity & Earning to Give00:29:42 – Finding & Partnering in Business Globally00:32:33 – Celebrating Progress & Being Patient with Growth00:33:04 – Ann’s Journey to Financial Freedom00:35:25 – Starting Small and Solving Local Problems00:36:07 – Final Advice & Encouragement00:36:49 – Where to Find Ann Pells & Ebook Information00:37:27 – Closing Remarks & How to Support the Podcast

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