Episodios
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Our thoughts are energy, and the way we think about our lives really matters! In this episode, Stephanie Hessler returns to the podcast to talk about all things energy, vibrations, and manifestation. She explains why these concepts are so important for finding purpose, achieving your goals, and even building wealth, and she shares practical steps you can take to start tapping into your intuition and making your own luck. Stephanie and Kimberlee also talk about the importance of overcoming limiting beliefs.
Episode Recap:
Today weâre talking about harnessing our energy to manifest our dream life (0:45)What do we mean when we say that everything is energy? (2:22)How to balance intuition with rationality (5:57)Our thoughts are energy, even if we donât always see it that way (9:30)What is the law of vibration, and how do you change your energetic frequency? (13:39)Try these things if you need to break out of negative thinking (20:08)How do you find faith and joy in your daily life? (28:04)Can we actually make our own luck? (32:44)Hereâs how wealth relates to energy (36:54)How to chip away at the limiting beliefs that are holding you back (44:48)Where can we find the time to prioritize mindfulness? (48:26)Where to learn more from Stephanie (56:07)
Find every episode of The Fiscal Feminist podcastWatch The Fiscal Feminist episodes on YouTubeSign up to join Kimberlee on the podcastâThe Fiscal Feministâ bookWatch the âYour High Performing Self Imageâ MasterclassJoin the Success Mindset Facebook GroupFollow Stephanie on LinkedIn and YouTube Stephanie Hesslerâs Website
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Are you thinking about buying a house in 2024? This episode is for you! Kimberlee talks with top performing mortgage broker Shawn Kaplan about the state of the real estate market and the most important pieces of information for prospective homebuyers this year. Shawn also shares tips for current homeowners and provides helpful context about interest rates, mortgages, and dealing with real estate in a divorce, breaking everything down into simple advice that even first-time homebuyers can understand.
Episode Recap:
Today weâre answering questions about the housing market with Shawn Kaplan (1:00)What was your journey to becoming a top performing mortgage broker? (2:56)Mortgage brokers vs. lenders: Whatâs the difference? (7:51)Take this step first if you want to buy a house (10:14)What trends are you seeing in the housing market today? (13:12)Should you treat your primary residence like an investment? (17:30)Is now a good time to buy? (20:26)What do you do when interest rates go down? (23:59)How to qualify for a mortgage (25:34)Real estate tips when youâre getting divorced (33:28)Home buying advice in 2024 (42:16)Where to learn more from Shawn (45:15)Resources:
Find every episode of The Fiscal Feminist podcastWatch The Fiscal Feminist episodes on YouTubeSign up to join Kimberlee on the podcastâThe Fiscal Feministâ bookVisit Shawnâs websiteFollow Shawn on Instagram, LinkedIn, YouTube, and Facebook -
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Whether youâre brand new to the workforce or youâve been working for years, you wonât want to miss this episode with Lauren McGoodwin, CEO of Career Contessa! Lauren has dedicated her own career to empowering other women with educational content, coaching resources, salary transparency, and more. In this episode, she joins Kimberlee to answer some common questions about gender disparity at work, negotiating tips, finding a great company, and starting off your career on the right foot. She also talks about the trends that she thinks will define how we work in the future.
Episode Recap:
Today weâre talking with Career Contessa CEO Lauren McGoodwin (1:03)How did you become the Career Contessa? (4:37)Where did you notice gender disparity in your own work experience? (10:35)Common challenges women face in the workforce (14:00)Why is a proactive approach so important for women? (19:05)Stories vs. Data: What matters more for negotiation? (22:13)How to find a company that aligns with your values (26:35)Top tips for young women entering the workforce (29:46)What trends do you expect to define the future of women in the workplace? (33:04)Where to learn more from Lauren (37:02)Resources:
Find every episode of The Fiscal Feminist podcastWatch The Fiscal Feminist episodes on YouTubeSign up to join Kimberlee on the podcastâThe Fiscal Feministâ bookCareer Contessa websiteListen to The Career Contessa podcastâPower Movesâ by Lauren McGoodwinFollow Lauren on LinkedIn -
How do you know when itâs time for divorce? Kate Anthony knows firsthand how hard it can be to make that decision, so sheâs helping countless women answer the age-old question: âShould I stay or should I go?â In this episode, Kimberlee talks with Kate about the reasons why women may struggle to end a marriage, and Kate shares her top tips for deciding when itâs time to leave. They also discuss some common signs of abuse, break down how you can have the divorce conversation and make it stick, and much more. If youâre struggling in your marriage, know that there are resources available to you!
Episode Recap:
Today weâre talking with Kate Anthony, creator of the Divorce Survival Guide (1:09)What did you learn from your own divorce? (3:29)Why do so many women struggle to leave a marriage? (8:45)Marriage benefits men and exhausts women (14:48)What advice do you have for women who are preparing for divorce? (19:34)What does gaslighting actually look like? (23:22)Can you share some common trends youâve noticed around infidelity? (27:06)How can women have the divorce conversation and make it stick? (39:21)Do money concerns often hold women back from divorce? (43:17)Where to learn more from Kate (48:26)
Find every episode of The Fiscal Feminist podcastWatch The Fiscal Feminist episodes on YouTubeSign up to join Kimberlee on the podcastâThe Fiscal Feministâ bookVisit Kateâs WebsiteListen to the Divorce Survival Guide podcastâThe D Wordâ by Kate AnthonyEnroll in the âShould I Stay or Should I Goâ course
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Financial wellness isnât just for adults! In fact, educating kids and teens about personal finance while theyâre still in school is extremely helpful for financial success later in life. In this episode, Kimberlee talks with financial educator and advocate Yanely Espinal about the importance of personal finance education and the work sheâs doing to make sure itâs accessible to as many kids as possible. Yanely shares tips for talking to your own children about money and also explains how you can advocate for personal finance requirements in your own state. Whether youâre a parent or teacher or just want to learn a few personal finance tips for yourself, you wonât want to miss this episode!
Episode Recap:
Today weâre talking with Yanely Espinal about financial wellness and much more (1:03)How did you get interested in financial education? (4:23)Knowledge isnât everything; you need to have the right mindset, too (9:18)What is the NGPF Mission 2030 Fund, and why is it important? (15:42)Kids need education on topics like crypto and retirement (22:11)How to advocate for personal finance education (29:10)Thereâs no reason not to support financial education for kids (36:44)Budget is a verb, not just a noun! (43:29)What advice do you have about financial education for girls? (47:08)Whatâs next after we make financial education accessible? (52:14)Where to learn more from Yanely (57:22)Resources:
Find every episode of The Fiscal Feminist podcastWatch The Fiscal Feminist episodes on YouTubeSign up to join Kimberlee on the podcastâThe Fiscal Feministâ bookLearn on the NGPF websiteGet the âMind Your Moneyâ bookFollow Yanely on Instagram, Facebook, LinkedIn, and YouTube -
Do you know what your brand is? No matter who you are or what field you work in, you have a specific brand and can market yourself to find new opportunities. In this episode, Kanika Tolver shares valuable advice for making career changes, nailing the job interview process, defining your personal brand, and much more. She also explains why confidence is key to reaching new levels of career success. Kanika is the CEO and founder of Career Rehab LLC and author of âCareer Rehab: Build Your Personal Brand and Rethink the Way You Work.â
Episode Recap:
Today weâll learn how to unlock your career branding with Kanika Tolver (1:01)Can you tell us how you ended up in this industry? (4:06)What is a career brand, and why do people need it? (7:45) Avoid these common mistakes on your resume (10:08)How to market yourself when changing careers (14:06)Can you share some tips for building confidence when making a change? (20:11)What is your process for setting realistic goals? (24:36)What does it look like to market yourself? (31:02)How to ace the interview process (38:40)How personal should you get in an interview? (47:09)What steps should someone take to rebrand themselves? (51:28)Where to learn more from Kanika (55:23)Resources:
Find every episode of The Fiscal Feminist podcastWatch The Fiscal Feminist episodes on YouTubeSign up to join Kimberlee on the podcastâThe Fiscal Feministâ bookâCareer Rehab: Build Your Personal Brand and Rethink the Way You Workâ Follow Kanika on Twitter, LinkedIn, Instagram, and YouTube -
What comes to mind when you hear the word âfrugal"? If you think of strict budgets or of refusing to spend money on things that matter, it might be time to re-examine your relationship to the word! In this episode, Jen Smith explains what it actually means to be frugal in the modern world and shares her own journey of finding balance between saving money and enjoying life. Jen is an author and podcast host helping people pay off debt and reduce their spending, and she offers listeners her top tips for meal planning, reducing food waste, and making the most of the home you live in.
Episode Recap:
Today weâre examining our relationship with spending and frugality with Jen Smith (1:05)Can you tell us about your journey to becoming frugal? (5:09)What does the modern frugal lifestyle mean to you? (10:40)How do you balance living frugally and enjoying life? (18:00)Can you share your top tips for meal planning and prepping? (24:28)What recommendations do you have around housing? (31:46)Itâs not about not spending, itâs about spending on the things you value (36:24)How can we avoid shame around saying no? (42:35)Frugality is being confident and authentic about what you value (48:28)Where to learn more from Jen (52:25)Resources:
Find every episode of The Fiscal Feminist podcastWatch The Fiscal Feminist episodes on YouTubeSign up to join Kimberlee on the podcastâThe Fiscal Feministâ bookListen to the Frugal Friends podcast and subscribe to their newsletterFind Jenâs books on AmazonFollow Jen on Instagram and LinkedInSubscribe to Frugal Friends on YouTube
Quotes:âWe are trying to rebrand frugality into this lifestyle of freedom where you actually know what you want, can afford it, and you can create habits and boundaries to say no more easily. Because we will say, we love intentional spending, so why donât we just talk about that and forget the word frugality? Itâs archaic, itâs got bad vibes, we really want to reclaim this word, because frugality is about so much more than intentional spending. We canât be intentional 100% of the time. Sometimes your mind just takes over and youâre working off habit, working mindlessly, so we want to work with our minds to create habits that conserve resources, so not just money, but conserve time, physical space, mental energy, all of that stuff. We believe frugality is the conservation or the good stewardship of all these resources, and we can, yes, be intentional to conserve them, but we can also create psychological barriers and aids, shortcuts that help us do it even when weâre not being âintentional.ââ
âA hundred years ago, frugality was seen as this somebody who is creative, who is resilient, who can reuse and repurpose things. When you were frugal, you were seen as a really intelligent person who really valued quality and keeping their things well functioning. So, it was this lauded quality about you. And over the last hundred years, marketers have made us believe that we are consumers first and people second. So, to be a person of worth, you must be a consumer, youâre not of worth simply because you are a person. And so that is the reason why we want to bring frugality back.â
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Are you ready to stop playing small in your business and life? You wonât want to miss this episode with high-performance coach Stephanie Hessler! Stephanie has helped countless leaders achieve their goals and reach new levels of success, and in this episode, sheâs sharing some of her top tips for overcoming the beliefs and insecurities that hold many women back. Stephanie and Kimberlee cover a wide range of topics including gratitude, different types of growth, overcoming perfectionism, and the questions you can ask yourself to figure out what you really want.
Episode Recap:
Do you want to play a bigger game in business and life? This episode is for you! (0:50)Stephanie Hessler is a high-performance coach helping leaders achieve their goals (1:55)What was your journey to become a high-performance coach? (3:12)How do internal beliefs often hold women back? (9:27)You have to get clear about what you want (11:55)What questions should women ask to start to figure out what they want? (16:55)Growth is not just monetary! (20:07)How can women be visionary instead of getting hung up on perfection? (24:48)How do you make sure you donât have an overinflated view of yourself? (37:53)Can you share some tips for breaking the cycle of low self esteem? (40:44)Each of us is on a unique path, and thatâs a good thing (46:04)Why is gratitude so important? (50:12)How to connect with Stephanie (53:49)Resources:
Find every episode of The Fiscal Feminist podcastWatch The Fiscal Feminist episodes on YouTubeSign up to join Kimberlee on the podcastâThe Fiscal Feministâ bookWatch the âYour High Performing Self Imageâ MasterclassJoin the Success Mindset Facebook GroupFollow Stephanie on LinkedIn and YouTube Stephanie Hesslerâs Website -
What skills can women learn from poker that will translate to their careers and lives? In this episode, Kimberlee asks this question to Erin Lydon, whoâs on a mission to teach 1 million women how to apply poker skills to life as president of Poker Power. Erin shares the inspiration behind this unique company, and describes how poker can teach resilience, negotiation, confidence, and more. She also explains how you can learn from Poker Power as an individual or an organization.
Episode Recap:
Is life just a big game of poker? Today will talk about this question with Erin Lydon (0:54)Where did the idea for Poker Power come from? (4:28)How women can access Poker Power (9:18)What can poker teach women about life? (16:34)What is poker math, and how do you teach it? (22:34)Playing poker will teach you resilience (28:16)Women have to get comfortable with asking for a seat at the table (33:52)How do you respond to pushback about teaching women poker? (39:13)Where to get involved with Poker Power (45:19)Resources:
Find every episode of The Fiscal Feminist podcastWatch The Fiscal Feminist episodes on YouTubeSign up to join Kimberlee on the podcastâThe Fiscal Feministâ bookPoker Power websiteFollow Poker Power on Instagram, Facebook, andTikTokConnect with Erin on LinkedInQuotes:
âWe say there are 3 levels to thinking in poker with regards to negotiating. The first is just figuring out what to do with your two hold cards. Itâs binary, either you raise or you fold, which means youâre out of the hand. The next decision to make is to ask yourself, âWhat do I have? Whatâs the decision Iâm going to make with my hold cards? And what do I think you have?â And you is the collective opponents who are at the table. So youâre shifting youâre perspective, and youâre trying to see this game not just through the lens of what you have in your hand. And then the third and most important way in which youâre negotiating at the poker table is to ask âWhat do I have? What do I think you have, Kimberlee? And what do I think you think I have?â And itâs that ever-evolving, complex negotiation of information, power dynamics that will factor into your decision making. You can improve that skill by doing it more and more. And thatâs what I think is so critical.â
âIn life we never know whatâs going to come our way. Every day is something new. You just know things happen so randomly sometimes, either professionally or personally. So you have to be able to kind of look at the situation, not fall apart, and figure out what your next move is going to be. One of the things I think people might learn from this exercise, too, is resiliency. So you might lose a game, but it doesn't mean youâre just going to go away and never play poker again. Itâs learning how to lose, come back, try to marshal your resources, figure out what went wrong, and then, you know, sitting back down at the table and trying it again.â
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What happens when a woman is the primary breadwinner in a divorce? To answer this question, Kimberlee turned to divorce lawyer and certified divorce financial analyst Lisa Zeiderman. In this episode, Lisa dives into some of the realities of divorce that women may not be aware of, from spousal support to commingling assets to custody concerns for female breadwinners. She also shares practical steps any woman can take today to protect their financial future.
Episode Recap:
Today weâre talking about divorce finance with Lisa Zeiderman (1:12)What is a female breadwinner? (4:23)Why are so many women surprised by the financial implications of divorce? (7:23)Steps to take when youâre considering divorce (14:09)How can you account for time home with kids when creating a prenup? (18:37)Be cautious about how you commingle assets (23:51)If you think divorce is coming, make sure you know what your assets are! (34:14)Common misconceptions about female breadwinners (40:39)What can society do to better support female breadwinners? (46:49)How to learn more from Lisa (51:10)
Find every episode of The Fiscal Feminist podcastWatch The Fiscal Feminist episodes on YouTubeSign up to join Kimberlee on the podcastâThe Fiscal Feministâ bookMiller Zeiderman LLP websiteLisa Zeidermanâs websiteSavvy Ladies website
Resources:
Quotes:âThe cases that I have where I have the female breadwinner, those are the most difficult cases. And they are the most difficult cases because women donât often take care of themselves in making sure that they have protected their finances. So I would say thatâs a huge issue. And women who are the primary breadwinners have to understand that they have to either enter into some sort of agreement â and weâll talk about that in a few minutes â but they can be responsible for child support later, they can be responsible for spousal support, and they also are going to equitably divide â in New York, some states are different but Iâm a New York attorney, so Iâm going to talk about New York â but they equitably divide the assets and of course the liabilities. But the fact is that many women who are the primary breadwinners wake up to a divorce and even if they started the divorce, they are shocked that they are in a situation where they are paying child support, paying spousal support, and equitably dividing those assets that maybe only they earned.â - Lisa
âDonât be pennywise and pound foolish with this stuff. I know people kind of balk a little bit, they donât want to pay the money for the prenup, but think about this. Down the line, this thing could save your bacon and make your retirement and the other part of your life down the road. Because if you have a really messy divorce and things donât go according to plan, and I am the poster child for this, then this trickles down into your retirement and how long youâre going to have to work, and if you happen to live to 100, how are you going to get there? Because this thing can just be an apoplectic kind of thing to your finances if itâs not handled wisely. So you can definitely do your own prenups online. I know there are resources for that now, but I would say itâs worth putting money towards a prenup, because this is going to be the defining document down the road if things go awry. Itâs worth it, because that few thousand dollars youâre going to spend on a prenup could save you hundreds of thousands of dollars or even more down the line.â â Kimberlee
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How can we best support our kids while also encouraging them to build their financial independence? When Bobbi Rebell was struggling to answer this question for herself, she decided to write a book about it: âLaunching Financial Grownups.â In this episode, Bobbi and Kimberlee talk about their own parenting experiences and Bobbiâs top tips for helping your kids build their financial skills. Bobbi also offers advice to women about developing financial resilience in a landscape thatâs still often stacked against us.
Episode Recap:
Today weâre talking with Bobbi Rebell about raising financial grownups (1:03) Can you tell us about your career path up to this point? (3:21)How can parents raise financially independent kids and teens? (9:24)Younger generations often have different financial priorities, and thatâs OK (16:50)Why is financial transparency so important with our kids? (21:56)Donât be afraid to have the difficult conversations before theyâre needed (27:56)How can women build their financial resilience? (37:44)Itâs ok to support your children, but make sure to draw clear boundaries (43:11)How to learn more from Bobbi (52:16)Resources:
Find every episode of The Fiscal Feminist podcastWatch The Fiscal Feminist episodes on YouTubeSign up to join Kimberlee on the podcastâThe Fiscal Feministâ bookâLaunching Financial Grownups: Live Your Richest Life by Helping Your (Almost) Adult Kids Become Everyday Money SmartââHow to be A Financial Grownup: Proven Advice from High Achievers on How to Live Your Dreams and Have Financial FreedomâSign up for Bobbiâs newsletterFinancial Wellness Strategies WebsiteEmail BobbiQuotes:
âMany parents over coddle their children, because they donât want their kids to grow up, which is really normal! I mean, my iPhone pushes me these adorable pictures of my now 16-year-old when he was a baby, and I want that time back and itâs really hard. So we want to hold onto our kids, and thatâs why we as parents often over subsidize them.â
âIt is so hard because weâre tempted to pay for everything for our kids, because we still see them as kids, and theyâre forever our children. So these are really hard, and thatâs why I wrote âLaunching Financial Grownups, because I was struggling with this. And I will tell you, so I'm going to give away one thing from the book is that our 26 year old, she was 24 at the time when the book had been written, she was saving for an apartment in New York City, which is a very ambitious goal for a 22, 23-year-old. She lived at home, she switched her major in college which I do talk about in the book, why she switched to cybersecurity versus being in education, and it was with a focus on âWhere can I earn more money?â And I will tell you, when she reached her goal of being able to buy her own apartment. And while we had to be in the background, as you say, she paid for everything, the down payment, all the lawyer costs, all the closing costs, every penny she paid for, the pride in that young ladyâs eyes, you have never seen. It is a gift to parents. When you let your child succeed on their own and youâre just there cheering them on and youâre just there cheering them on, that is going to be priceless. And so I would implore parents to let their kids shine.â
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If youâre feeling stuck in your career or your life, youâre not alone! Everyone gets stuck, but there are things you can do today to start pulling yourself out. In this episode, Ella Lucas-Averett shares some of her top tips for creating momentum, moving past fear, and learning from our failures. Ella is a founder and managing partner of The Trivesta Group, and the host of On Air With Ella, a motivational podcast about wellness, personal development, habit building, and more.
Episode Recap:
Get to know Ella Lucas-Averett (1:45)What was it like to start a business at such a young age? (6:31)How to find momentum when youâre feeling stuck (13:32)What keeps us from taking action? (24:51)To move past fear, start showing up (27:03)How do we overcome feeling afraid of failure? (33:23) If you donât care for yourself, you canât care for anyone else (44:01)No one has the same stack of gifts and experiences as you (52:23)Try this one thing today to get unstuck (1:00:07)
Visit the Fiscal Feminist WebsiteFind every episode of the Fiscal Feminist podcastâThe Fiscal Feministâ bookOn Air with Ella websiteFollow Ella on Instagram, LinkedIn, Facebook, and Twitter
Resources:
Quotes:
âThere are so many things that I wish I had started or wish I were further on and didnât do because I was scared. And I think that anyone listening can relate to that thing theyâre sitting on, or stalled on â maybe they did it â or maybe theyâre still sitting on it, because theyâre not sure itâs ready, or theyâre not sure theyâre ready, theyâre not sure itâs good enough, theyâre not sure they want to be seen, or what would people say? And I would just say, what if you acted as if you had no choice, and you just did it and see what happens? Because sometimes action can be a hell of a lot more effective than analysis.ââIf we are waiting for lightning bolt motivation to do the thing weâre meant to do in life or to develop that skill or to learn that language or to start that exercise routine or to revisit our relationship with our spouse or our partner, whatever. If weâre waiting for that lightning bolt, youâre gonna die waiting. And I say that not to be cynical, but to say, if that were the secret, donât you think that we would have hacked that by now? Donât you think we would be doing all the things and all out here living our best life? I donât know about you, but thatâs not what happens for me. And the myth that you need to land on motivation, or even better, that it would land on you, that is not going to get you where you need to be. So the word I replace it with, every day of my life, is momentum.â
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Since 90% of venture capitalists are men, it makes sense that female founders have a much harder time getting funding, especially when theyâre focused on womenâs issues. Trish Costello is working to change that as the founder and CEO of Portfolia, a company that creates investment funds for women looking to back innovative companies. In this episode, Trish explains why investing in companies is such a powerful tool for building wealth and creating change in the world. She also shares practical steps for how you can get started in the space.
Today weâre talking about investing in startups with Trish Costello (1:08)Can you tell us about your background with venture capital? (2:41)Who is a good fit for the Kauffman Fellows Program? (8:12)Why is investing in companies a great opportunity for women? (10:01)Itâs up to us to invest in the companies we believe in (14:42)Can you talk us through the process of investing with Portfolia? (21:46)What kinds of companies does Portfolia invest in? (29:54)How do you evaluate early-stage companies? (33:50)How can women invest their retirement accounts with Portfolia? (38:15)
Episode Recap:
Visit the Fiscal Feminist WebsiteFind every episode of the Fiscal Feminist podcastâThe Fiscal Feministâ bookPortfolia websitePortfolia FemTech Fund
Resources:Quotes:
âYou then decided to now do Portfolia. It really is effective in two areas, right? It allows you to promote companies that are coming up with innovation, and hopefully trending in the woman area. But itâs also allowing women to become investors in these endeavors and learn more and more about it. I think a lot of people think this is a world just for super rich people who are really familiar with the space, and they donât realize that you can get involved in it.â
âWe have an opportunity to create wealth, but we also have an opportunity to create wealth while enhancing our lives. And to me thatâs that other piece of it thatâs so exciting.
Thatâs so important.
Yes! Kimberlee, 90% of the check writers in venture capital are men. And you know, even if they arenât grossed out by womenâs health, they donât really understand it, you know? And so, they donât have a passion for it.â
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What is financial infidelity, and what steps can women take to protect themselves against it? In this episode, Kimberlee talks with Forensic Accountant Tracy Coenen about the warning signs of financial infidelity, the protections you should have in place before and during a marriage, and the process you can expect if you work with a forensic accountant during your divorce. Tracy is the creator of the Divorce Money Guide, and she has so many practical insights to share about protecting your financial future and navigating complicated divorce proceedings.
Episode Recap:
Today weâre talking with forensic accountant Tracy Coenen (1:15)Take these steps before starting divorce proceedings (4:03)Why is it so important to know about your finances? (8:21)What does financial infidelity look like? (11:21)Know these warning signs of financial infidelity (15:10)How does financial infidelity impact divorce proceedings? (17:49)Signs of fraud in a partnerâs business (21:34)Safeguards to protect yourself against financial infidelity (27:46)Hiring a forensic accountant can give you peace of mind (35:50)Donât give into pressure during the divorce process (37:53)Where to learn more from Tracy (41:30)
Find every episode of The Fiscal Feminist podcastWatch The Fiscal Feminist episodes on YouTubeSign up to join Kimberlee on the podcastâThe Fiscal Feministâ bookLearn more from Tracy on her websiteâFind Me the Moneyâ by Tracy Coenen
Resources:Quotes:
âI always say your partner isnât your plan and ignorance is not bliss, you need to be engaged. And I donât want to shame anyone, because I believe women are still victims of the historical narrative of how weâve been trained mentally. That we should be nurturers and kind and not talking about money and all that stuff, because somehow thatâs looked upon as being anti-feminine. I still think thereâs a lot of that around. I still hear to this day, which is shocking to me, that people say the minute you get married you should comingle everything. I say thatâs absolutely not what you should do. You should be intentional about what you do comingle, but you should also keep your eye on the ball of what all the marriage includes."
âWhat should we be doing to try to protect ourselves before we get to this sort of bad situation?â
âYouâre right that it really is hard to protect yourself when it comes to that company. You canât control what theyâre going to do with that company. What I can say is if you have financial information that you have access to and you collect that and keep it, that is one step. But because we canât control what theyâre doing with the company, I like to say the better way to protect yourself is thinking about, âWhat can I control? I can have a bank account that is in my name only that I can put money in, that no one can ever close without my permission, that no one can ever access that money without my permission. I can take a step like making sure that you have a credit card in your name only. No one else can charge on that card, no one else can close that card. That is going to be your safeguard if you ever do need to leave or get divorced.â
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When families canât access childcare, women are disproportionately affected. And that impact ripples out to hurt the entire economy. In this episode, Kimberlee examines the âchildcare cliffâ weâre facing now that pandemic-era subsidies for childcare have expired. She explains why itâs so important for women to be able to participate in the workforce and shares some steps you can take to advocate for change on this important issue.
Episode Recap:
Today weâre talking about the âchildcare cliffâ that impacts many womenâs finances (1:08)The cut off of childcare subsidization will have a massive economic impact (2:48)When families canât access childcare, women are disproportionately affected (9:50)The childcare cliff can also impact womenâs decisions to become parents (15:37)Time out of the workforce has a lifelong impact on womenâs finances (18:08)When women leave the workforce, everyone loses (20:21)Resources:
Visit the Fiscal Feminist WebsiteFind every episode of the Fiscal Feminist podcastâThe Fiscal Feministâ bookResearch Mentioned:
The Century Foundation research on the childcare cliff2021 Child Care Affordability Analysis from Childcare Aware OECD Report on Child Care CostsMcKinsey Report on Women in LeadershipChildcare Cliff Study by the Center for American ProgressStudy on the Economic Impact of Child Care InaccessibilityQuotes:
âSo, what happens when parents canât afford childcare or canât get access? The burden exponentially falls on women. Women are taking the hit. So what are these childcare cliff implications for women? First, women are 5-8x more likely than men to have their employment affected by caregiving responsibilities. And that is from the State of Women in the Labor Market Report from 2023. When one partner needs to stay home or limit their hours or change jobs to become more flexible, it often falls to the woman. And the statistics have supported this now for years.â
âI want to raise the alarm for all of you, that itâs important. This isnât me just ranting and raving, it has real effects on us, on women, on children, on families, on productivity of our country, on the global economy, and on the living standard for everybody. If we want the birth rate to go up, then we need to make it a more accommodating environment for women to have children. Women should not have to make undue sacrifices that everybody else in society doesnât have to make.â
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Financial responsibility is so important, but money is also a powerful tool to help us enjoy our lives â whether that means buying a Chanel handbag or traveling the world. In this episode, Kimberlee talks with Sheefteh Khalili about Sheeftehâs journey to build wealth through investing, career growth, and intentional saving. Sheefteh explains how Kimberlee has helped her unlock new financial understanding, and she shares her experience with negotiating her salary, talking openly about finances with her partner, and more.
Episode Recap:
Today weâre talking with Sheefteh Khalili (1:53)What challenges were you working through when we first met? (3:06)Our money should allow us to enjoy life, whatever that looks like for us (7:32)How did you focus on building wealth before and after getting a promotion? (12:55)What steps have you taken to progress quickly in your career? (21:13)How are you preparing financially for your upcoming marriage? (29:51)Conversations about money will get easier over time! (33:20)Should you co-mingle your finances right when you get married? (43:21)Resources:
Find every episode of The Fiscal Feminist podcastWatch The Fiscal Feminist episodes on YouTubeSign up to join Kimberlee on the podcastâThe Fiscal Feministâ bookQuotes:
âNo one in my immediate family or circle of friends knew anything about investing. Iâm a second generation immigrant and a first generation college student, and so you know, luckily my parents taught me a lot about saving and not using credit cards, having an emergency fund, but nobody had anything to teach me about investing. That just wasnât part of our information. We were middle class, but I feel like thatâs just not accessible, even though I was really educated, this was a whole other area, very intimidating.ââWe should all be aspirational, right? We all have those things that we want, that we want to do, and money is a means to an end. Iâm not saying you should spend all your money â you need to save some of it, you need to worry about retirement, you need to worry about the emergencies â but you also need to live your life and enjoy life, because every single day is precious. So I want people to think about the money journey as âhow can I accomplish those aspirational things that I want to do?â Whether itâs to buy a Chanel handbag, or go to Alaska, whatever it is thatâs going to really bring you up and love life because you have the opportunity to do it.â
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Financial plans arenât just about preparing for retirement; theyâre important steps to prepare you for any major life event. In this episode, Kimberlee talks with financial advisor and BPP Wealth Solutions Founder Debra Schtazki about the importance of financial planning. Debra also shares some real-life stories of women she has helped and explains how sheâs built a flexible work environment that sets women up for success.
Today weâre talking with wealth management professional Debra Schatzki (1:15)What made you decide to write âChaos to Joy?â (3:50)Why are there so few women in financial advising, and what can we do about it? (5:58)Greater flexibility can actually help you business (13:02)Why is a financial plan so important pre-divorce? (21:20)Once youâve done the plan, you can ask for what you need with more confidence (29:14)Can you share another case study from the book? (36:02)What are the 3 most important things for women building their net worth? (41:02)How to work with Debra (45:33)
Episode Recap:
Find every episode of the Fiscal Feminist podcastâThe Fiscal Feministâ bookâChaos to Joyâ by Debra SchatzkiBPP Wealth WebsiteFollow Debra on LinkedIn
Resources:Quotes:
âI think that thereâs so much more value when we allow our employees to actually have the freedom of being there for milestones and being really part of their families and having a balanced life. Itâs critical. And then when I created my own consulting firm in 2010, we donât have to go into the office. I think two days a week is fine. And there were times, I had my hips replaced last year, I didnât go into the office for three months. And you know what? We did great!â
âLuckily for your client, she had you to help her thread that needle. And what you gave her was advice for negotiation based on a financial plan. Yes, exactly. And what I gave her too was a voice. You know, I think that thatâs our biggest problem â women more than men â is that weâre not taught how to really talk about money well. Weâre not as educated yet about how to do plans and why plans are important. Weâre getting there, I think women are signing up in faster percentages than men at this stage.â
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Are you paralyzed by credit card debt and not sure where to start with paying it off? In our first episode on debt, diet and alcohol, Kimberlee explored the psychology of debt. Today, sheâs sharing an actionable plan you can use to start paying off your debt today, and avoid falling back into it in the future. She also breaks down some key financial concepts like debt consolidation, good versus bad debt, and two common debt payoff methods.
Today weâre continuing our conversation on debt, diet and alcohol (01:31)Take a deep breath; then itâs time to create a budget (03:27)Understanding the debt avalanche method (0:04:30)Pros and cons of the debt snowball method (07:48)Should you consolidate your credit card debt? (10:14)Good debt versus bad debt (20:02)Once youâve started paying off your debt, do these things (23:07)
Episode Recap:
Visit the Fiscal Feminist WebsiteFind every episode of the Fiscal Feminist podcastâThe Fiscal Feministâ bookâDebt, Diet and Alcohol Part 1â episodeâPsychology of the Budgetâ episodeCalculators for debt payoff
Resources:Quotes:
âSo, I want to just make a quick note here about good debt versus bad debt. Is there good debt? Yes, there is good debt. All debt is not created equal, right? Debt used to build wealth is generally viewed as good debt: taking out a mortgage, investing in yourself by borrowing for more education so you can get a good job, small business loans, or debt consolidation. These are all forms of good debt that are going to help you build you net worth, either by getting an asset like a house or getting an education so that you can go get a better job, or eliminating high-interest rate credit cards so you can lower your interest rate and pay one payment and get all this debt eradicated over a certain, finite period of time.â
âThe first thing I recommend to everybody, because I know this works, is take a very deep breath. This is a doable strategy. You can do it. I know itâs overwhelming, and when you look at your credit card statements, sometimes you think âOMG, how did I get myself into this big mess. So take a deep breath. Anything can be accomplished if we put our minds to it.â -
Building a real estate business can be much easier than many of us realize; in some cases, you donât even need to own the property! In this episode, Kimberlee talks with Airbnb investor and educator Lauren Piller about her journey from nursing to working in real estate full time. Lauren explains how co-hosting helped her make the transition, and she shares some of her top tips for buying your first investment property, maximizing the value of your Airbnb, setting pricing, and more. Whether youâre completely new to real estate or want to learn more about the vacation rental space, Lauren has so much wisdom to share!
Today weâre talking with Lauren Piller about building a real estate business (1:02) How did you end up doing real estate? (2:04)Basics you need to know when buying your first investment property (9:10)How does co-hosting work? (16:21)How to work with Lauren (20:58)Tips for choosing an Airbnb location (28:20)What can you do to set your listing apart, and what amenities are essential? (31:58)How does insurance work for vacation rentals? (36:17)What factors do you consider when setting your pricing? (37:55)Where to learn more from Lauren (42:27)
Episode Recap:
Find every episode of the Fiscal Feminist podcastâThe Fiscal Feministâ bookFollow Lauren on Instagram and TikTokLearn more from Lauren
Resources:
Quotes:
âNo one knows anything about finances, investing and loans. I barely do, and I know more than most people. So itâs just crazy to me that weâre supposed to go out here and buy houses and do all these things, but Iâm a millennial, so I have to learn as I go. So itâs interesting to see the lack of knowledge.ââTell me a little bit about cohosting. Because I think a lot of people would be really interested in that because it has a low barrier to entry, right? You donât have to buy a
house, right? Yeah the most cost effective way to get your start and to learn, for sure.
So what exactly does somebody do? How do they get involved with this, how do they find out about it, how do they find someone to cohost with, how does that work?
The easiest way that I always recommend to my followers is to just ask a friend or a family member. Youâd be surprised how many people have rental properties or already have Airbnbs that are either empty or not making as much as they could with their tenants. Itâs an easy way to go in, thatâs what I did with my parents, they were my first cohosting client. I was like âLet me take your rental property and throw it on Airbnb. I will definitely increase profits, I will do all the work, itâs a win-win here.â I like it because it's another pivot for people, too. You can do it while youâre still working other jobs and just branch out to see if itâs even worth taking the jump for.â
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Whether we realize it or not, many of us could benefit from some financial therapy. In this episode, Kimberlee talks with financial therapist Aja Evans about the work sheâs doing, the inspiration behind it, and the practical advice she has for women about navigating their finances. Aja breaks down the relationship between our money and our self esteem, shares her top tips for navigating prenups, explains how you can get yourself out of a shame spiral, and much more!
Today weâre talking with Financial Therapist Aja Evans (0:58)What is a financial therapist? (1:58)Can you tell us about your financial awakening? (5:34)Self esteem directly impacts our relationship with money (9:27)If youâre struggling with a self esteem spiral, take a pause (13:18)Rewrite the narratives that arenât serving you (21:19)Do you have any tips for navigating prenups? (32:19)What trends are you noticing in financial therapy? (41:15)Where to learn more from Aja (44:16)
Episode Recap:
Find every episode of the Fiscal Feminist podcastâThe Fiscal Feministâ bookFollow Aja on Instagram and TikTokAjaâs website
Resources:
Quotes:
âAny financial decisions we make when weâre heightened, when we're upset, when weâre anxious, usually are just about a quick fix. We are trying to get ourselves out of a place of discomfort and into comfort as quickly as possible, and a lot of times that is not the best strategy for your finances. So looking at taking the breath, making the plan, and then deciding how youâre going to execute and what you want that to look like. And be mindful of what emotional or financial triggers might come up for you that may cause you to spiral again.â
âHave the conversation. Be awkward about it. Trip over yourself when youâre talking to each other. But if you cannot have these conversations about money, if you disagree or donât disagree, we got other things. Because life is going to come at you hard and fast, and if you canât talk to this person who youâve decided you want to commit the rest of your life to, itâs going to be really difficult. Itâs going to be very, very difficult, and we donât need it to be that hard.â - Mostrar más
