23. Money Confidence & Building Wealth in Midlife with Krystal Stearns, Top 1% Loan Officer Nationwide

In this episode of Girlfriend’s Guide to Midlife podcast, I’m joined by the powerhouse Krystal Stearns—a single mom of four, one of the top female loan officers in the country, and a total wealth-building boss.

We’re talking all things money, mindset, and making smart moves in midlife. Krystal opens up about how she built her success in the mortgage and real estate world, how she manages ten (yes, TEN!) investment properties, and why financial independence is such a game-changer for women.

Whether you're starting over, leveling up, or just craving more confidence with your money, this episode is packed with real-life tips and inspiration you can actually use.

Here’s what we chat about:
💰 How Krystal built her wealth—and how you can too
🏡 Why real estate is her favorite wealth-building tool
🧠 The mindset shifts that helped her become financially free
💡 Smart strategies for getting started, even if you're brand new
📈 Real talk on mortgages, market trends, and investing with intention
🌱 And the importance of giving back once you’ve built something meaningful

You’re going to love Krystal’s no-nonsense, heart-forward advice—and walk away with ideas you can start putting into motion today.

 

Come Connect with Me & Other Girlfriend’s in Midlife:

Follow Me on Instagram

Follow the Podcast on Instagram

Join the Girlfriend’s Guide to Midlife Facebook Community

girlfriendsmidlifepodcast@gmail.com

Follow Krystal on Instagram 

www.applywithkrystal.com

Psychology of Money by Morgan Housel

You Are A Badass at Making Money by Jen Sincero

 

Thank you for tuning in to this episode! I’m so grateful to have you here as part of this incredible community of women navigating midlife with grace, courage, and curiosity. Remember, this season of life is full of opportunities to rediscover yourself, embrace your wisdom, and live with renewed purpose.