In this solo episode of Power Women In Insurance, Teresa Kitchens discusses what underearning is and why it is so important to see the signs of it so we can fully achieve our goals. Episode Highlights: Teresa shares how reading Barbara Stanny's book Overcoming Underearning has changed the way she thinks about herself, her business, and what she wants to accomplish in the insurance industry. (00:11) Teresa explains that the book begins with a great parable, and it's truly about how we as people become overwhelmed by "what if," "maybe I can't," or "what if I don't?". (3:34) Teresa mentions that she loves the definition of stress in the first section of the book because it says stress is underearning and worrying about the future, and she can relate to it because she always worries about the future. (6:12) Teresa explains that underearning is a side result of not living our full potential, but we must remember that everyone has their own goals, perspectives, and way of reacting to things, and they react based on their own unique thoughts and feelings. (10:39) Teresa shares that being able to dive further into what we want helps us define what we want, which is important. (13:42) Teresa mentions that changing our relationship with money is one of the book's goals, and that money is just a tool to live the life we want to live. (18:03) Teresa explains that the greatest fear for underearners is having more to do. The main fear that underearners have about earning more money is that they will have no life and that continue work endlessly. (26:02) Teresa believes that if we do not accept personal responsibility, we will find ourselves in chaotic situations, financially, personally, spiritually, and emotionally, because we did not take care of business along the way. (29:16) Teresa encourages everyone to set goals, answer questions about whether or not they are underearners, and evaluate their mental conversations. (43:50) Key Quotes: “Underearning is a side result from not living up to our full potential, whatever that looks like… but we have to remember that everybody has their own goals. Everybody has their own perspective. Everybody has their own way they react to things and they react based on their own personal thoughts and feelings.” - Teresa Kitchens “In order to grow and to learn and to be something more, we have to know what we want to be and what we want to accomplish in order to get there.” - Teresa Kitchens “One of the goals of the book is to be able to change our relationship with money. Money is just a tool. Money is a tool for us to live the life that we want to live.” - Teresa Kitchens “By knowing what we want to do with our money, what makes us feel successful, what makes us feel happy, we can give ourselves pieces of that. But then we also know how we need to learn how to not let that get out of control. That is very important because if it gets out of control, it can impede us from being able to get where we really want to go.” - Teresa Kitchens Resources Mentioned: Contact Teresa Kitchens Sterling Insurance Group Book: Overcoming Underearning: A Five-Step Plan to a Richer Life

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