Mastering Mindset with Top Agent Stephanie Hetherington

The Habits, Mindset, & Attitude Need For Wealth & Life Balance

Listen to the podcast episode HERE.

Or

Watch it on YOUTUBE HERE.

If you don’t already know her, Stephanie’s one of the most consistent, high-performing agents on our team. She joined in 2020 while juggling a hospital job, working from home, and raising a toddler — all during a global pandemic. Most people would have played it safe, stuck with the stable job, and dipped a toe into real estate slowly.

Not Steph.

“You know nothing good comes from staying in that safe bubble. You have to step outside into that fear and take the leap.”

And she did — she ripped the band-aid off, left the security of her other job, and went all in on real estate.

In her chat with me on my Million Dollar Magic podcast, she shares how she learned from mistakes, like the time she missed a small detail — a house without eavestroughs — and paid out of pocket to make it right. She owned her mistake, fixed it, and used the experience as a lesson for the future. “Growth comes from those challenges,” she said. “It’s about taking responsibility and moving forward.”

To strengthen her mindset, Steph worked with a certified John C. Maxwell mindset coach, and that changed everything. Her income tripled, and emotional resilience became part of her brand.

“If someone got me mad, they had me. If they made me feel sad, they had me. I was done with that.”

Stephanie learned to harness her inner calm and uses boundaries, a positive mindset, and visualization.

Here are some of her top Mindset Shifts:

• Get Comfortable Being Uncomfortable
  Staying in her comfort zone was keeping her stuck. Real growth began when she started leaning into the fear and doing hard things anyway.

• Commit Fully
  Balancing real estate with another job diluted her energy and confidence. Once she went all in, the results followed.

• Radical Accountability
  Instead of blaming others, Stephanie took full responsibility for her own costly error. Fixing it herself not only built trust but also gave her a sense of control.

• Stop Letting Others Steer Your Emotions
  She used to let criticism or rejection knock her off course. Now she chooses how to respond, recognizing that emotional resilience is part of the job.

• Invest in Yourself
  Working with a mindset coach gave Stephanie the tools to manage stress, build self-trust, and reframe her approach to tough situations.

• Lead with Calm, Especially in Chaos
  When juggling multiple listings or emotional clients, she makes a point of being the calmest, most grounded person in the room — and it sets the tone for everyone.

• Prioritize Service Over Stress
  Even in a slower market, Stephanie focuses on making her clients feel seen and supported. Her mindset stays rooted in helpfulness, not frustration.

• Visualize the Future You’re Building
  She keeps herself motivated by visualizing her success and keeping a forward-focused mindset. The wins aren’t just coming, they are already here.

• Stay the Course When It’s Tough
  Consistency is her secret weapon. Steph keeps showing up and knows that discipline compounds over time.

Stephanie’s journey is proof that when you take ownership of your growth, lean into discomfort, and show up with intention, everything starts to shift. It’s not about being fearless — it’s about doing the work anyway, investing in yourself, and choosing who you want to become. That’s what makes the difference, and I absolutely love her.

Two terms are mentioned in this interview that the general public may not be aware of:

Smith Manoeuvre

The Smith Manoeuvre helps you turn your mortgage into a tax-deductible loan.
You use a special kind of mortgage (called a readvanceable mortgage) that lets you re-borrow the principal you’ve paid off. Each month, you borrow that amount to invest, and the interest on that borrowed money becomes tax-deductible.
Over time, you pay off your mortgage and build an investment portfolio, with tax savings along the way.

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Cash Damming

Cash damming is for self-employed people who want to make their mortgage interest tax-deductible. Instead of using your business income to pay for business expenses, you borrow money to cover those costs.
Then you use your business income to pay down your mortgage.
That borrowed money now counts as business debt — and the interest on it becomes tax-deductible.

If you want to hear the whole story, listen to the podcast episode HERE.

Or

Watch it on YOUTUBE HERE.

Interested in exploring a career in real estate? An existing realtor frustrated with your current business? Looking to start or scale a real estate team?

Insta @join_jennifer_jones

WhatsApp at 416-702-1146

Or better yet, set up a meeting today!

https://calendly.com/jenniferjonesteam/exp-discussion-meet-with-jennifer-jones

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