Adversity has a way of exposing what we’re really made of — and for Janet Tonkins, it became the spark that reshaped her entire financial future. What began as a season of pressure and discouragement transformed into a journey of confidence, clarity, and cash-flow mastery. Today, she’s the founder of Cash Flow Divas and a respected voice teaching everyday people how to build wealth with strategy, grit, and heart.

In this episode of The Lynchpin Podcast, Nora sits down with Janet Tonkins to unpack the mindset shifts and practical tools that helped her go from overwhelmed single mother to steady, strategic wealth-builder. Janet shares the early money beliefs she had to unlearn, the moment she nearly walked away from real estate, and the mentor who helped her see her own potential before she believed it herself.

She breaks down what she looks for in a good deal, why cash flow protects you in uncertain markets, and how creative financing can open doors even when money feels tight. More than anything, Janet reminds us that resilience is a decision — and financial confidence is built one intentional step at a time.

If you’re navigating a challenging season, starting your investment journey, or looking to strengthen your relationship with money, Janet’s story will give you the clarity and encouragement to keep moving forward.

• The belief about money Janet had to unlearn (3:00)
• The moment she almost walked away from real estate (5:00)
• The mentor who shifted her confidence and direction (8:20)
• What she evaluates first when analyzing any deal (11:40)
• Why cash flow is the foundation of long-term stability (18:10)
• Creative financing strategies that make investing accessible (25:30)
• The mindset shift every new investor must develop (29:00)
• How adversity sharpened her instincts and strategy (33:40)

Connect with Janet Tonkins

• JanetTonkins.com
• TheCashflowDiva.com
• Facebook
• Instagram
• LinkedIn

Connect with Nora

• NoraLynchSmith.com
• Facebook
• Instagram
• LinkedIn
• Find a Home

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