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The Real Talk Real Women show is a valuable resource for individuals who have experienced abuse or toxic relationships and are looking for support and guidance on their healing journey. The show features strong and powerful women who have overcome their own challenges and are now helping others do the same. Gemma Serenity has a diverse and extensive background in education and personal development. She uses her experiences and expertise to help others build confidence, self-love, and success in various areas of their lives. The mission of this show is to raise awareness about abuse and provide support for individuals who have experienced it, by making a positive impact in the world. https://www.realtalk-realwomen.com
Episodes

Wednesday Jun 21, 2023
S5E111 Escaping Abuse and Conquering Debt with Dr. Jodie Liu
Wednesday Jun 21, 2023
Wednesday Jun 21, 2023
Can you imagine escaping not one, but two abusive relationships, and then facing a mountain of debt? Dr. Jodie Liu bravely shares her heart-wrenching story in a powerful and emotional episode that will leave you inspired to take control of your life and finances. Despite experiencing mental, emotional, and physical abuse, Jodie's resilience and determination helped her overcome these hardships and avoid considering ending her life.
With a little bit of help from a friend, Jodie found the courage to leave her abuser with nothing but a suitcase of old clothes. Facing financial ruin, she shares the strategies she employed to reduce her debt, such as negotiating with phone companies and banks, getting a job, and using her CPA background to manage her money effectively. Her choice not to declare bankruptcy highlights the importance of speaking up and utilizing available services.
Throughout this journey, Dr. Jodie Liu confronted countless challenges - from a debt collector who lacked the understanding to the daunting task of rebuilding her life from the ground up. Yet, her incredible story demonstrates how resilience, determination, and the support of others can pave the way to a brighter future. Listen to this inspiring episode and learn how Jodie was able to overcome seemingly insurmountable obstacles and reclaim her life from the grasp of abuse and financial nightmare.
Dr. Jodie Liu's introduction
Dr. Jodie Liu is a personal cash flow coach (also known as Spending Planner) who is very passionate about increasing financial literacy in the community. After finding herself in two back-to-back abusive relationships, she ended up $400,000 in debt and living in a women’s refuge with only the suitcase of tattered clothes she left with.
Between the two relationships, Jodie lost everything she had spent her life working towards, including her career, reputation, friends, money, home, and car, but thankfully not her family. The largest price she paid was losing her pregnancy in her first abusive relationship.
After leaving these relationships, Jodie began the journey to rebuild her life and her finances, which she did successfully. She felt like one of the lucky ones because she had the financial knowledge and experience to know exactly what she needed to do to get her life back. She dug herself out of a financial nightmare, negotiated, worked, and within four years was completely debt free and able to start afresh.
Jodie is a certified member of the Spending Planner’s Institute and CPA Australia. She also holds three Accounting degrees, including a Ph.D.
She is a published author in several international refereed accounting journals. Jodie has been working with budgets for 20 years and teaching accounting for over 17 years in the University sector.
It is her mission to empower women and give them the confidence to take control of their future by teaching them how to understand and manage their finances. A lack of financial literacy is one of the leading reasons women stay in abusive relationships or go back to them. Jodie believes everyone has the right to be in control of their finances and their future and she is right there beside you, holding your hand and giving you the support needed while you work your way towards financial freedom.
As a Spending Planner, Jodie empowers you to take control of your future by creating a customized Spending Plan that gives you a blueprint of your finances so that you know exactly where you are going financially. She uses a proven system that has helped over 30,000 people to pay off their debts, save money faster than they thought possible, and gain complete control of their money.
Connect with Dr. Jodie Liu
Websites: www.dssp.com.au and www.DollarsAndSenseSolutions.com.au
Email: jodie@dssp.com.au
Phone: +61 400 737 501
Facebook: https://www.facebook.com/dr.jodie.liu