The path of personal development is full of many surprises and rewards. By tapping into your inner energies and intuition, one can overcome any struggle and unlock their full potential. For Peggy McColl, she found meaning in her self-development journey through writing. Joining Jen Du Plessis, she shares how she reflected her challenges and dealt with them through her book, Savy Wisdom. Peggy explains why turning journaling into a hobby is an effective way towards mindfulness and an excellent supplement for prayer. She also delves into the best approach when getting rid of limiting beliefs, which is the major thing that hinders growth.
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Peggy McColl On Her Inspiring Life Towards Personal Development
I am delighted to have our guest here with us, Peggy McColl. Welcome to the show. We’re happy to have you.
Thanks, Jen. It’s great to be here with you.
Let me tell you a little bit about Peggy. She is a world-renowned wealth, business and manifestation expert, as well as the New York Times Best-Selling Author of Your Destiny Switch: Master Your Key Emotions, and Attract the Life of Your Dreams. In addition to that, she released another book called Savy Wisdom. We are excited that you are here to share with us your wisdom about you cracking through glass ceilings in your life.
I had the opportunity to read the book and I loved the storyline. I loved talking to you in the green room as we talked about who the actual characters were. I had the sense that it was you. Before we get into the actual book, I know that’s a time in your life and something that you learned, I want to go back and go behind the curtains to give us some context of where everything started for you. Did it truly start in the book? You went back and said, “I needed to tell that whole story all over.” I know you do a lot of things that we’ll explore. Take us back to some of the contexts of where you are. What has brought you to now?
When I think back to when I first was exposed to personal development, I was a young girl. I was nineteen years of age and was working for a company in Toronto, Ontario. I was born and raised in Toronto even though I now live in Ottawa. The company I was working for had hired a keynote speaker to do a kickoff event. We were told, “It’s mandated. You must go to this meeting.” I was thinking, “It’s evening. It’s my time. Forget it. I didn’t want to go.” Being a little bit of a rebel, I was thinking, “I’m going to go to the meeting. I’m going to find a seat in the back of the room. My first chance, I’m out of there. I’m going to bolt out that door and head home.” I got to this room. It was being held in a big ballroom at a hotel in downtown Toronto. I got to the ballroom, looking around and it was packed full. I’m looking for a seat in the back and it was full. This woman, who was at the front of the room waving people in. She waves me in like, “Come on. Let’s go. We’re going to get this show started.” She seats me right in the front center.
Everyone else had the same feeling you did, “I’ll sit in the back.”
Exactly and went all enthusiastic, “Let’s go.” The speaker came on the stage and the speaker was Bob Proctor. He started to speak and I’m quite certain, I was hanging open going, “What? Seriously? If I want my life to change, I have to change.” He quoted Vernon Howard who said, “If you don’t know you’re in prison, you can’t escape. You have to know you’re in prison if you want to escape.” I didn’t even realize I was in one because I wasn’t taking any responsibility for my miserable life. As you know from Savy Wisdom, in the beginning, there’s a young girl named Sophie, who goes to a park to kill herself. That was me. I had no will to live. That’s as dark as they get. I was raised in a very abusive environment. We were very poor and it was dysfunctional. I’m not complaining. It was a blessing. I see the blessing now but didn’t at the time. That’s where it all started, where Bob Proctor opened up my consciousness to possibilities. At the end of that evening, he offered everyone in the room an opportunity to work with him further. In other words, invest in his program, which I did, then that was it. I became an addict to personal development and that was many years ago.
In the book, there’s a love interest for Sophie. Is that what took you to the point of contemplating suicide? Was that the straw on the camel’s back? I’m looking for how much of the book was true and how much was fantasy.
I’m happy to tell you anything and everything about the book. That is exactly what happened. The name was changed. In the book, you know that in the beginning, Sophie had her eye on this other guy, the brother.
It then went with her brother.
The guy that I ended up with. I should send them a copy because I think he’d probably be surprised. I don’t think he ever knew that I liked his brother but I ended up dating him only because he was giving me attention. I fell in love with him. He loved me. No one had ever said, “I love you,” in my life. Can you imagine you get to this point in your life where this person loves you? It was a dysfunctional relationship as well. It was repeating and I tied my identity up to him. We went out all through high school. In the twelfth grade when he ended our relationship. I was devastated. I have goosebumps thinking about it because I wanted to die. That’s how that started.
I came from a very similar background. I know that my parents loved me but they didn’t verbally say it and they didn’t physically show emotion. I know they loved me, but we used to say that, “They love me from a distance.” I can understand that the draw to someone who does show attention and cling onto that relationship. I felt that for many years myself. You spent a lot of time with Bob in many years. The book ends at a certain period of your time. It doesn’t show everything from that period forward of all the things that you’re doing. What other glass ceilings have you broken through? These aren’t for us being women or being financial, but all the ceilings that we breakthrough. What other ceilings or trials did you have throughout your life that you were able to use what you learned from Bob or Savy in the book to be able to overcome and continue to grow?
There are a bunch of them but the first one that came to my mind was writing Savy Wisdom. That was a ceiling that I broke through. I had created a program in 2020 that I started to deliver called Skipping Levels, which is about quantum leaps. I was teaching it to my clients. I had this intuitive hit on November 1, 2020 to write Savy Wisdom. Normally, what I would do is I’d push it away. I would allow the paradigms because the paradigms, which are your belief systems, start showing up. The first one that showed up for me was, “You write non-fiction.” I had eighteen previous books and all were non-fiction. I didn’t write them all. I had ghostwriters write some of them. My course materials become a book.
For some of them, I did sit down and write. The thought of writing a parable was like, “You don’t have the talent for that.” I had the thought immediately, “Maybe I’ll hire a ghostwriter.” I thought, “I don’t want to hire a ghostwriter again. I hired ghostwriters before. I want it to be authentically my voice comes through me.” Not to say a ghostwriter doesn’t do authentically your voice. A good one will do but I just felt compelled to write it. The other thought that followed that one was, “You’re not a great writer.” It’s like a dialogue going on right in my head. I said, “How’s that going to serve you? It’s not. How about you turn it into a belief that you are a great writer and believe that? Not only are you a great writer, but you’re also going to write a great book.”
I decided to hold on to great expectations. I decided I’m going to live in the expectancy of the best. It started to shift my thinking. I gave myself ten days to write the book. I didn’t know what the book was going to be called. I didn’t know what Savy’s name was going to be. I knew that I, Sophie, the character, was going to meet this wise gentleman. I was going to base it on the study of what Bob has taught me over the years. When I started to write, I didn’t know where it was going to go or what was going to happen. I knew how it was going to start with a suicide part and I let it go.
That whole experience was a definite glass ceiling breakthrough. When I got to the ninth day, I had finished writing it except for the final letter from Savy to Sophie. I came into my office on Monday morning and I felt this intuitive nudge, “Ask Bob to write it.” I reached out to him. He had checked into a conference center near where he lived. He hasn’t flown either for a year. He was working on a brand-new program. He got the email at 10:34. He replied within one minute and said, “Absolutely.” He felt drawn. He’s highly intuitive as well. That night he read it. He said he couldn’t stop thinking about it. He’s in love with the book. He wrote that letter at the end, so that was a glass ceiling.
I imagine that was very emotional for you when you received it.
It was. The number of experiences of shedding tears or releasing tears to some degree, when you go back and you write from a perspective of when you were in that emotional pain, you connect to it. I was talking to a friend about it and I said, “I’ve been in tears many times since Savy Wisdom was written.” She says, “It’s a releasing of pain. It’s all it is.” I went to Bob’s studio on the 19th of December 2020 which was my birthday. Remember in the book how Sophie brought muffins and coffee in the park? I baked these wonderful blueberry muffins. I went to Starbucks, then went over to Bob’s house and we recorded the book on Audible.com.
Is he in the book then recording his voice?
Yes. It’s one of the handmade embroideries. When I got to his place and brought the muffins, we invested the day together recording it and having so much fun. He was emotionally touched. It was sweet to see. He’s a beautiful man inside and out. He’s got a beautiful heart. It was a fun experience to record it with him and a magical experience as well.
I know that that’s a breakthrough all by itself is being vulnerable to that particular story. We know that when people see people like you and others that are on stage and have podcasts, we see them and we have a grading system. It’s natural that we do that. We say, “They’re this. They’re great.” No one has seen them in those lower stages. It’s hard for us to go back and be vulnerable to it, but I think it raises all tides when you can do that. It’s a good relief and good growth for you.
[bctt tweet=”When you go back and write from a perspective of when you were in emotional pain, you connect to it.” via=”no”]
From experience, my growth was exponential when I released that story of my childhood and how horrible it was. It was such a release. The growth was over a period of two years. It wasn’t just I wrote it and it’s done. It’s good now. I’ve got it out vulnerable. The growth kept going and going exponentially. This tide that you’re on, the ride that you’re on or tsunami that you’re on is going to be incredible over the next couple of years again, more than you ever thought even before, which I think is cool.
Bob sent me a text one day. He was not in the business. We’re going back many years ago. He said, “I remember many years ago, I was working in a bar. I was sweeping the floor and there was a TV on in the corner. Tommy Dorsey Show was on.” I remember my parents used to watch that show. He said Tommy Dorsey came on and he announced this new singer named Elvis Presley. Bob says, “I was standing there. I stopped, I dropped my broom,” because he felt this head-to-toe whoosh. That guy is big. He said, “I knew it as soon as I saw it.” He said when he held Savy Wisdom in his hand, he says, “I felt it. There’s only one other time that that occurred for me in my life, other than the Elvis Presley story.” He said that was when the very first DVD of The Secret had arrived. He said, “I held it in my hand. It was like this wave of energy.” Three times in his life, he said he felt it with Savy Wisdom. Bob will send me texts. He’ll say, “Your husband married right. His wife is going to be so rich. Fasten your seatbelts.” In other words, get ready. This is going to be the biggest book you’ve ever released. That was exciting to see that. I’m going to hold on to Bob’s belief in Savy Wisdom.
Sometimes what we have to do is hang on to someone else’s belief to pull us out of the mud. That’s an important thing as well. I want to ask you, what drives you? I don’t want to give away the whole book because it is a short read. I want to talk about one of the acronyms that you talk about in there. I’m going to let you choose which acronym you think is most powerful. We’ll leave the other two for people to read. Having said that, what do you think is your favorite acronym or one that you’d like to talk about on how you created in this journal that you were writing these acronyms to help guide you through your day? What do I want to write about? It’s funny you said you didn’t feel like you were a great writer. What you did come up with a mechanism to help you be a great writer, which was all these acronyms. Of the three, let’s talk about one of them.
GIMY. GIMO is what it should be, but I put the Y on and make it fun as Sophie did in the book. This is how Savy got Sophie to look at things differently because she was suicidal. Regardless of whether you’re suicidal or not or just in a dark place, feeling disillusioned or frustrated.
During the COVID cocoon and you’re feeling like, “Is this ever going to end?”
It’s, “What’s great in my life?” I remember Bob called me one day. He always calls me Sophie now. He said, “How’s Sophie doing?” I said, “I’m doing great.” He goes, “No, you’re not.” I said, “What do you mean no, I’m not? How do you know?” He goes, “I can tell. What’s going on?” It was something in my business. It was with staff with some of my employees. I was trying to figure something out. He said, “I want you to stop now, sit down and write down ten things that are great in your life.” It was the GIMY example that I wrote of in Savy Wisdom. “What’s great in your like, Peggy?” I did that and it changed how I was completely calm and relaxed after that. I’m a very sensitive person. I deeply care about people. I want harmony everywhere all the time. That’s not the way it is.
When it’s not, it’s frustrating because you think, “What am I doing? I’m not relaying what I need.” GIMY is Great In My Life. I want to talk about that with journals because there are a lot of people that are in the space of personal development and those that aren’t. Journaling is just silly stuff. There are some paths that people can take to start journaling. That’s what I liked about the concept of GIMY. It can start off easy. It doesn’t have to be a big thing. I also have a photographic memory. It’s awful. On one of the pages, you listed what you are, “I am grateful. I am this. I am that.” Give us some advice on how we start journaling for those that don’t believe in journaling and need a way to get started and saying, “I don’t know if I want to write a diary about myself.” What are some of the pieces of advice you could give them on how to do it and when to do it because everyone is so busy?
The best time to do it is first thing in the morning, as soon as you wake up. I have a gratitude journal. Call it GIMY. Call that whatever you want. As soon as I wake up, I’ll grab it right out of my top drawer, right beside my bed. I start to write down what I’m grateful for in my life. There are two times a day that are the best times to do those. One is the first thing in the morning. The second time is before you drift off into sleep because whatever you’re thinking about as you’re drifting off into sleep, I know I wrote about it in Savy Wisdom, is going to show up in your life 66% of the time. You want to be focusing on things that cause you to feel good, but at nighttime, I don’t journal. What I do at nighttime is I asked myself a question, “Now that my dream life is fulfilled or now that I’m living my dream life, how do I feel?” That’s how I drift off into sleep.
Start by journaling in the morning. It’s also a great thing to do with children. My son has grown up now. He has a baby on the way and a nine-year-old. My nine-year-old grandson started a gratitude journal as well. He’s being bullied in school by a couple of girls, strangely enough. It hurts. He’s a very sensitive and sweet young man. He started journaling in the morning, too, at nine. He’s writing what he’s grateful for regardless of what’s going on. It’s simple to do. It’s quick. You don’t have to write down ten things. You could just write down a couple.
How do you see journaling and writing down what you’re grateful for as different from prayer? Prayer is important in my life and it would be saying that I’m grateful, “I’m thanking God that I’m grateful for this and I’m grateful for that.” Why is it important to put pen to paper when it comes to that?
It intensifies the thinking. There were some studies done that said, because you take a pen and you put it on paper, it has a greater impact on your consciousness. It can be a form of prayer. My statements were, “Thank you, God.”
Instead of, “I am grateful for bullets,” it’s, “Thank you, God, for.”
To me, it is like a form of prayer because it’s a prayer of thanks, which I believe is one of the most powerful prayers we can ever make. I do write ten things. Thank you, God, statements every day. I write down things that are in my life right now, like my family, which is my priority number one, always has been, always will be. I’ll write, in my husband, how grateful I am. “I’ve been happily married now for many years. I love him to the moon and back. I’m grateful for him in my life.” I write down things that I have now. “I’m grateful for my business and to serve,” but then I write down things as if they’re in my life now that are goals. I write that down as if they are already done.
It’s funny both of us are writers but I think five times faster than I can scribe. For me, bulleting is much easier than journaling. Whereas my daughter will write 50 pages a night, all of her thoughts and everything. That’s fine and it’s wonderful that she does it, but I just can’t do it. That’s why I asked the question because I want to make sure that anyone who’s reading doesn’t feel like, “This painful journaling thing or writing bullet notes.” It’s the whole spectrums of that. What other advice or counsel would you give to someone on being able to get in a mindset mode of being able to calm down and quiet themselves down enough to do it?
[bctt tweet=”We’re habitual creatures who get into routines. Changing the routine can be a real challenge.” via=”no”]
I’m going to preface it in a way that I have taught one of my coaching clients because she goes from chaos in her business, being a high-strung business to walking in the door and the dog, her husband wants her, kids, meal wants her. She wants to change her clothes, get comfy and everything. The homework wants her. She didn’t have any breathing time in between. What we did is and said, “What if pulled into the garage or pulled into the driveway and didn’t get out? That was your time to leave work and prepare for coming home by writing down just three gratitude’s at that moment so that you could have a different time.” That’s just one example, but what counsel would you be giving to someone about coming up with ways that they could find the time to do this? It’s not always feasible in the morning. We’re grandmas. It’s feasible for us. It’s easy. For others, it may not be. What are some thoughts there?
We are habitual creatures and we get into routines. Changing the routine can be a real challenge. I believe that because we are habitual, it can serve us, but it also creates these challenges of changing routines. What I suggest is to tell your family. I’ll tell my husband, “I’m going to the other room. I’m going to meditate.” Doors closing, the Do Not Disturb sign is up. He knows. I’ll let him know. I have the awareness. Even when we have relatives visiting here, I’m extremely disciplined. I have my routines every day. I’m certain I’m far more disciplined than most people. I’m not bragging or anything like that. It’s the way I am.
In the morning, I do my gratitude journal. I also do visualization, meditation, a form of prayer as well. I do affirmations, mirror work, come in my office, read certain things every day. I grab my goal journal. I do my affirmation writing every day. I listen to my Power Life Script every day, as you read and in Savy Wisdom. Those are my habits. My family is aware. My sister was visiting and once you see her, she’s simply aware that I’m not racing to put the coffee on until I’ve done my prayer. It’s a part of my process. The more you let other people, especially those you live with or who are under the same roof know, you’re not asking permission whatsoever because the way that you’ve communicated is with confidence and with love like, “These are the things that I’m involved with. That can definitely help you.
I also established a way of becoming more disciplined by creating a daily discipline checklist. I had started that process many years ago because I have discovered that at this point in my life, the best thing that I’ve done to create the success that I enjoy is by disciplining myself. It started by deciding, “What are the things that I’m going to do every day?” It could be a couple of things. You do habits of that. Monday, Tuesday, Wednesday, Thursday, Friday, Saturday and I did this in a Word document at first, then I had these nice cards made up to hand out at my events. Anyone who has a list, a shopping list or whatever, you’re going to check it off.
It’s creating that rhythm. I do that through Darren Hardy, Living Your Best Year Ever. I have my journal every day that I work with him. It’s all about the rhythm. You’re trying to create that rhythm and get a positive habit you’re trying to create. That’s beautiful. I love that you shared it. For those who are reading, she’s holding up a card that shares how she writes out that rhythm card and creates those wonderful rhythms.
The last thing I want to talk about before we start heading into winding down is the thought behind limiting beliefs. I’m not going into the acronym or anything but just the thought behind limiting beliefs. I know that you talk about this in a lot of your courses in overcoming limiting beliefs to what I always say climbing to new altitudes. How do we climb to higher altitudes and get rid of these limiting beliefs? Do you have any strategies through meditation or scribing, whatever it may be, that help us overcome the limiting belief and create a trigger so that when that limiting belief rears its ugly head, we squash it? As it rears its ugly head, we have the opportunity to push it back down and trigger and say, “No, you’re not going there with me. I’m moving forward. I’m not looking back.” What are your strategies for helping people overcome limiting beliefs?
A lot of people invest lots of time thinking about their limitations. Here’s what I suggest. Sit down and figure out what is it you’d love to be experiencing, doing and having in your life. Make some decisions on that. In order to get those things or accomplish those things, you have to believe other things, because you haven’t accomplished it in the past. I approach it from a perspective of imagining a plain sheet of paper with a line down the middle. On one side, you would write down these little things that I would love. On the other side, you write down, “What is it I need to believe in order to have that?” You and I were talking about our childhood. One of the limiting beliefs that I had before was that I wasn’t worthy of love. Where did that come from? Like you, my parents never said, “I love you.” We weren’t huggy-huggy, kissy like I smother my grandson.
I had to go out of my way and consciously do it by the way.
I’m telling him all the time, “I love you.” He is playing in his bedroom. I tell him all the time, “You’re so loved.” He knows he is loved in a big way. If you sit down and you think about, “What would I love and what do I need to believe?” That set of belief systems can become affirmations. It can become something that becomes part of your Power Life Script. If you script it, create audios and listen to them every single day because they have to be built. They don’t get built like Rome wasn’t built in a day. Same thing with our belief systems. The belief systems that we have now were built over time. The new belief systems must be built over time. That’s where you can discipline yourself to build them.
That reminded me of my husband. He said, “Why don’t we call them buildings? Why don’t we call them builts?”
He’s the smart guy.
What you have to do is you have to be in the process of building the new belief, so you can get to the point where it’s built. Being in that middle ground is not fun and that is the transformation that you’re going through. The fact that you are in that transformation is a good sign that you have to finish the work. I was in a limiting belief of worthiness, not of love, but I was told I was not going to be worthy and that I would amount to nothing. I was in that quandary for many years. I didn’t believe it. I didn’t want to believe it, but I sure was in there believing it. It wasn’t until about a couple of years ago that I finally came out of it. Now, anytime it rears its ugly head, I have a trigger to say, “No, I’m not going there.” It’s not ever gone, gone. It’s always going to rear its head, but I love your advice. Writing it out and saying what I believe and what I want.
[bctt tweet=”If you want your life to change, you must change.” via=”no”]
What I do I need to believe in order to have it? The triggers I use are anytime I get off track, I ask myself a question. It could be an empowering question, “Now that this is done, how does that feel?” It could be, “What would I love right now?” I use questions and it’s instant.
I think it’s almost hypnotic, but I didn’t go to a hypnotist to make it happen. Once that happens, it’s easy to circle the drain and go into the depths of it. It’s easy to say, “No. On we go.” If someone wants to open the door, what is the best way for them to open the door and start working with you? If we went to your website, for example, because you have a lot of different classes there, what is the best thing that someone could do if they want to overcome limiting beliefs and find themselves?
I have discovered from being a student of these materials for many years now is that it is a daily practice. It’s a lifetime commitment. That’s the reason why I created Skipping Levels, which is what I call it the serious student program. Anyone interested in taking their life to a whole new level, plus I put everything on my website. Anything new I’m working on, it’s going up on my website. I created a new program. It went up on the website. Pretty much everything is on PeggyMcColl.com. I also have a couple of team members that take discovery calls if someone’s not sure, “I don’t know. Should I go on this program or that program?”
That’s what I was thinking because there are many to offer. How do you know which one is the best one?
We have support. I have a team of people that respond. We get those emails every day, “I’m not sure which program I should be in. I’m an author.” I have the complete author program. I also do a program with Phil Goldfine, who is an Academy award-winning producer and called Getting Into Hollywood. By the way, Savy Wisdom is being made into a movie.
That is proof in the pudding. That’s walking the walk of your book of saying, “Believe it’s already there.” Peggy, is there anything that you’d like to leave us with like a quote or a thought so that when we are hanging up, we think, “This is what it’s all about?”
The one that’s on the handkerchief from the beginning of Savy Wisdom, “If you want your life to change, you must change.” It doesn’t mean there’s something wrong with you. It’s just that we have an opportunity every day for our life to get better for us to serve people. I suspect like you, Jen, I do what I do because I love the work because it has changed my life but I’m always working on me. I’m helping other people work on themselves too. If you continue to work on yourself because it’s the best investment you can ever make.
It’s true because that’s the only way we’re going to continue to grow. It’s so easy to get stagnant and be pulled down from what’s happening in the pandemic and things have changed. I appreciate you coming on and bringing that to the forefront and shining a light on it, so that we know. I want to recognize you for that and say thank you so much for sharing that with us and for being here on the show. It’s been an absolute pleasure getting to know you.
Thank you, Jen. Any opportunity to share helping others, I’m totally there. I appreciate everything.
I want to say thank you so much for taking time out of your day. We hope that you are leaving here with a great a-ha that will change your life whether you’re doing a gratitude journal, you are working on your limiting beliefs and overcoming them. You go out and you should get Savy Wisdom and support Peggy in her efforts to share this with everyone else so that you can overcome anything that’s happening in your life to realize all that beautiful success that you had always dreamed about. Take care.
- Your Destiny Switch: Master Your Key Emotions, and Attract the Life of Your Dreams
- Savy Wisdom
- Bob Proctor
- Power Life Script
- Living Your Best Year Ever
- YouTube – Jen Du Plessis
- Skipping Levels
- Phil Goldfine
- Getting Into Hollywood – Course with Phil Goldfine and Peggy McColl
About Peggy McColl
Peggy McColl is a world-renowned wealth, business and manifestation expert as well as the New York Times Best Selling Author of “Your Destiny Switch: Master Your Key Emotions And Attract the Life of Your Dreams”.
For the past 25+ years, using her Power Life Script™ process — along with her unique intimate understanding of the Universal Laws – she has been showing people from around the globe how to:
- Manifest any result they desire in their personal and professional lives, from dream homes and soulmates to perfect health and multi-million-dollar businesses
- Become International Best-Selling Authors
- Create valuable products
- Build their brand worldwide
- Create wealth and complete freedom
- And much more
She has worked with – and been endorsed by – some of the most renowned experts in the personal development field including…
- Bob Proctor
- Neale Donald Walsch
- Jim Rohn
- Dr. Wayne Dyer
- Mark Victor Hansen
- Caroline Myss
- Gregg Braden
- Debbie Ford
- Arielle Ford
- Hay House
- Marianne Williamson
- Dean Graziosi
- Gay Hendricks
- Marie Forleo
- And many others
Peggy’s special, unique & intensive programs, speaking engagements, goal achievement seminars, and best-selling books have inspired & instructed “everyday” individuals, entrepreneurs, authors and organizations to reach their maximum potential and truly take massive quantum leaps.
Peggy can help you to realize your success (both mentally, spiritually, and in “the real world”), whatever your chosen field may be! Whether you want to manifest a dream life, build your business, publish your book, or make money online, Peggy has the proven track record to help you achieve your goals.
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