License to Dream: Every Woman's Guide to Financial Freedom through Network Marketing

About The Author

Judy O’Higgins was raised in Connecticut, but made her way west after graduating from the University of Michigan School of Social Work with an MSW and serving for two years in VISTA (the domestic Peace Corps) in the 60s. She lived in San Diego for many years, but migrated to Arizona to become a homeowner with land, a garden, and various animals, including chickens, goats, a horse, dogs, and a cat.

Judy ran a 30-day to recovery program for substance abusers in Sedona, Ariz., for four years. That was her last job working for someone else. In 1990, she opened a private counseling practice and became a solopreneur, helping hundreds of women to overcome negative programming and empower themselves to better relationships, jobs, self-esteem, and family functionality. Her greatest love was helping women to believe in themselves and to do things they didn’t think were possible.

Judy was introduced to network marketing in 1996 and instantly loved the concept of working with teams in a “win-win” environment for the common goal of financial freedom. Her first company failed, temporarily ending Judy’s dream of retiring with residual income for life. Now she knows that was just practice for her second company, where she has risen to be in the top 25 distributors and created enough monthly residual income to retire from her counseling career after just two years. 

Judy is still helping to empower women to a better life by believing in themselves and doing things they didn’t think were possible—getting their dreams back and creating financial freedom for themselves and their families through network marketing. Her goals include national and worldwide travel as her company expands internationally to spread the concept of residual income through network marketing to women worldwide. She encourages every woman to dream big, work hard, and see the job through to the reward of freedom and a family legacy of generational wealth.

Kristi Lee was born and raised in Los Angeles, California, the youngest of three girls in a second generation Chinese family. Kristi was taught growing up that success meant graduating college and getting a good paying job. She graduated college with a Bachelor of Science degree in business administration and worked in the corporate world in marketing and retail for 20 years. Her responsibilities included category management (sales growth and advertising for health and beauty products for 2,300 retail stores across the U.S.).

Kristi’s corporate career involved multiple moves to different states and 4½ years ago was again told she was going to be moved, this time to Boise, Idaho. She had a feeling the company was not making the move for the right reasons, and walked away from her 20-year career. Seven months later, after most of her colleagues had taken the move, the company announced it was for sale, stranding many of her friends in Boise where the job market was not robust and now the housing market was going to see a flood of “for sale” signs. It was then that she realized she never wanted to work for a company where she had a boss and vowed she would help as many people have choices about being free—from job stress, financial debt, and too much time away from their families.

Her first experience with network marketing was negative, when she was a young child and family members on her father’s side were involved in a company that would never reveal their name until they tricked you into attending one of their opportunity meetings. Kristi was re-introduced to network marketing in 2006, while going through a divorce and having her corporate job move out of state. Once she fell in love with her company’s product and service, and the idea of leveraging time, she left the corporate world behind and has never looked back.

Kristi is enjoying raising her daughter, Jade, and traveling the world while building her business. She has a passion for inspiring women and children to step into their power and share their gifts and talents with the world.

Born and raised in Arizona, Karen Palmer grew up in the small town of Camp Verde where she grew to love the slow and quiet country life. In 1995, Karen left Camp Verde to attend college, marrying her high-school sweetheart Ryan in 1996. After graduating from Northern Arizona University with a BA in English in 1998 and a MA in Rhetoric in 2000, Karen and Ryan moved to Phoenix, where Karen taught composition full-time for two years at Grand Canyon University.

In 2002 their first child, a beautiful baby girl, was born. Desiring to raise their children in the small town atmosphere they loved, the Palmers moved back to Camp Verde, where Ryan began a thriving contracting business building custom homes. Over the next few years, Ryan and Karen added two handsome boys to their young family. Karen’s heart’s desire has always been to be home with her children, and she believes that being a mom is one of the most meaningful titles a woman can hold. 

However, in 2008, Karen saw her life of being a stay-at-home mom jeopardized by the failing economy. Together with her husband Ryan, Karen decided to take a leap of faith and begin building a network marketing business that would enable her to stay home with her kids and protect their family from the market downturn. 

For Karen, network marketing is a source of hope in these trying times, not only for herself, but for many other families looking for financial security and freedom. In building her business, Karen learned to dream big, and is now focused on helping other women like herself achieve financial freedom through network marketing. Her passion is to help women find balance between pursuing their passions and being present in their homes.