Episoder
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We're busy planning our next batch of episodes for you. So do let us know if you have any requests.
In the meantime, over the coming weeks, each of the hosts is going to be sharing one of their favourite episodes.
This week it's one of our very early episodes, 21. I've got £10k what should I do with it.
The great thing about this show was that the principles we apply work whatever sum of money you have. If £1,000 has just landed in your bank account you weren't expecting, or if it's £100,000. Have a listen for the steps we suggest you follow.
One thing to note, this was originally recorded back in 2022. Back then interest rates were a lot lower than they are today in 2024. So it is definitely worth shopping around for bank interest rates. I'm going to caveat that though, the purpose of money held in the bank is not to make money, the main purpose is that it's money you can get your hands on quickly with no risk of value going up and down.Support the Show.
✅ And if you enjoyed the show, please leave us a review.
We genuinely love hearing your questions and feedback.
So, email us a voice note [email protected] or via instagram with your thoughts and suggestions. -
We're busy planning our next batch of episodes for you. So do let us know if you have any requests.
In the meantime, over the coming weeks, each of the hosts is going to be sharing one of their favourite episodes.
It's Julie's turn this week and her favourite was 51. The Secrets of Financial Coaching.
This episode is packed full of tips on how to understand your behaviour around money. And more importantly, how you can change any of those behaviours that don't serve you as well as you would like.Support the Show.
✅ And if you enjoyed the show, please leave us a review.
We genuinely love hearing your questions and feedback.
So, email us a voice note [email protected] or via instagram with your thoughts and suggestions. -
Manglende episoder?
-
We're busy planning our next batch of episodes for you. So do let us know if you have any requests.
In the meantime, over the coming weeks, each of the hosts is going to be sharing one of their favourite episodes.
It's Michelle up this week, and her favourite was 67. Beating Lifestyle Inflation.
We look into what and how we end up with lifestyle creep. And more importantly, how to beat it!Support the Show.
✅ And if you enjoyed the show, please leave us a review.
We genuinely love hearing your questions and feedback.
So, email us a voice note [email protected] or via instagram with your thoughts and suggestions. -
We've been getting a lot of messages to the WMC HQ about pensions. So we thought it would be timely to revisit episode 53, where Julie, Michelle and Sara walked you through what your next steps are.
Some of the things we cover:
How to find a financial adviserWhat happens in the first meetingWhat to bring with you to the meetingWhat we’re looking at in the paperworkHow we will explain your pensions to youWhat happens at the end of the meetingResources:
Pension Wise
Pension Tracing Service
VouchedFor
UnbiasedSupport the Show.
✅ And if you enjoyed the show, please leave us a review.
We genuinely love hearing your questions and feedback.
So, email us a voice note [email protected] or via instagram with your thoughts and suggestions. -
Get ready to level up your career game in this episode of Women & Money Cafe, as we dive into the nitty-gritty of job offers and benefits. From company culture to pension plans, no stone is left unturned! Here's what you can expect:
- Michelle's advice on gauging company culture and work-life balance
- Emily's insights on aligning personal and company values and considering sustainable initiatives
- Julie's discussion on company policies, unique benefits, and work-life balance
- Tips on evaluating job offers' impact on personal life and envisioning career aspirations
- The significance of team dynamics and professional development opportunities
- Important considerations like promised benefits in writing, long-term career goals, and thorough analysis of offer details.
- The lowdown on financial aspects, including pensions, bonuses, holidays, private medical insurance, and more
- The crucial role of mental health support and additional benefits like counseling programs
- Real-life examples and experiences, from pension pitfalls to negotiating for better benefits
- Key resources mentioned throughout the episode for further research and guidance
Websites mentioned:
- B Corporation (https://bcorporation.net/)
- Glassdoor (https://www.glassdoor.com/)
YOUR HOST
Julie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Ebb & Flow Financial Coaching | Bree Wealth & Tax | Instagram
CO-HOSTS
Emily Pool is a Financial Planner and Will Writer. She is passionate about empowering people to invest their wealth (pensions and savings) sustainably and in line with their personal values.
Michelle Lambell started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach.
Jennifer O'Neil is a mortgage and protection specialist and director of Athena Mortgages. Having been in the industry since 2014 Jennifer decided to set up a company in 2020 that suited her core values as a broker – integrity, service, honesty and continuous improvement.
LinkedIn | Instagram | FacebookSupport the Show.
✅ And if you enjoyed the show, please leave us a review.
We genuinely love hearing your questions and feedback.
So, email us a voice note [email protected] or via instagram with your thoughts and suggestions. -
Prepare for a dive into a rapid-fire checklist for the end of the tax year. Get ready for crucial tax-saving tips and insights that will set you on a path to financial empowerment.
Areas covered:
- ISA Allowance: Understanding the current £20,000 allowance and making the most of it for tax-free growth and earnings.
- Capital Gains Tax Allowance: Exploring the shrinking annual allowance and strategies to capitalise on it before it drops to £3,000.
- Pensions: Unveiling the tax efficiency of pensions, contribution limits, and the benefits of using the pension wrapper.
- Child Benefit: Clever tactics involving pensions, salary sacrifice, and charitable giving to retain child benefit entitlement.
- Inheritance Tax: Uncovering the power of the annual £3,000 gift exemption and its cumulative impact on estate planning.
- HMRC website: Find a downloadable form for keeping track of your gifts for inheritance tax planning.
Your Hosts:Julie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.
Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Ebb & Flow Financial Coaching | Bree Wealth & Tax | Instagram
CO-HOSTS
Emily Pool is a Financial Planner and Will Writer. She is passionate about empowering people to invest their wealth (pensions and savings) sustainably and in line with their personal values.
Michelle Lambell started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach.Sara Walker is a financial planner and financial coach with 33 years’ experience in financial services. She wants all women to feel financially confident and uses her professional and life experiences to support and educate women over 40 so they in turn feel able to support and be role models for the younger women in their lives.
Jennifer O'Neil is a mortgage and protection specialist and director of Athena Mortgages. Having been in the industry since 2014 Jennifer decided to set up a company in 2020 that suited her core values as a broker – integrity, service, honesty and continuous improvement.
LinkedIn | Instagram | FacebookSupport the Show.
✅ And if you enjoyed the show, please leave us a review.
We genuinely love hearing your questions and feedback.
So, email us a voice note [email protected] or via instagram with your thoughts and suggestions. -
In this episode , the hosts, including returning founder member Tamsin Caine, explore the challenges and opportunities of managing finances as a single woman, particularly after a divorce or widowhood. They discuss the emotional and practical aspects of taking full control of finances, from setting up emergency funds to investing for the future. With a focus on empowerment, the episode covers the importance of building a support system, and the benefits of financial planning for single individuals and the importance of having a 'money wife' for support and accountability.
GUEST EXPERT: TAMSIN CAINE is a Chartered Financial Planner and Resolution Accredited Divorce Finance Specialist (one of only 35 in the country). She hosts the Smart Divorce podcast, has cowritten a book Your Divorce Handbook It’s What You Do Next That Counts and has appeared in the national press commenting on financial issues in divorce. She is a single mum to Charlie and Zoe and is a huge rugby fan, currently managing the men’s team Sale FC Vikings.
Follow Tamsin on Instagram | Facebook and check out her podcast
00:48 Navigating Finances Solo: Insights from a Divorce Expert
02:10 The Emotional and Practical Challenges of Managing Money Alone
07:17 Gaining Confidence and Knowledge in Financial Independence
10:47 The Divorce Process: A Path to Financial Literacy
23:18 Financial Resilience and Protection for Single Women
26:06 The Value of Income Protection
28:21 Building Financial Resilience: Emergency Funds
36:00 The Importance of a Financial Support System
38:18 Navigating Financial Planning as a Single Parent
95 - Income Protection
28 - Emergency Funds
YOUR HOSTJulie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.
Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Ebb & Flow Financial Coaching | Bree Wealth & Tax | Instagram
CO-HOSTS
Emily Pool is a Financial Planner and Will Writer. She is passionate about empowering people to invest their wealth (pensions and savings) sustainably and in line with their personal values.
Michelle Lambell started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach.Support the Show.
✅ And if you enjoyed the show, please leave us a review.
We genuinely love hearing your questions and feedback.
So, email us a voice note [email protected] or via instagram with your thoughts and suggestions. -
After the success of episode 70 (Atomic Habits for Money) we thought we should revisit actionable strategies for managing and reducing spending, highlighting the power of small changes in achieving big financial goals. Here are some key takeaways from the episode:
- Reviewing Amazon orders and subscriptions to cut unnecessary expenses
- Cancelling unused subscriptions and keeping track of family shared expenses
- Celebrating financial wins by allocating a small amount for treats or charitable donations
- Breaking big financial goals into small, achievable habits
- Creating a money calendar to keep track of financial commitments and important dates
- Using cashback sites and comparison websites like QuickCo to save costs
- Monitoring automated saving pots and using apps for various saving purposes
- Using Credit Karma to check credit score and receive notifications for any changes
- Changing environment to prevent impulsive spending
- Incorporating color and creativity into daily routine for better financial management
YOUR HOSTJulie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.
Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Ebb & Flow Financial Coaching | Bree Wealth & Tax | Instagram
CO-HOSTS
Emily Pool is a Financial Planner and Will Writer. She is passionate about empowering people to invest their wealth (pensions and savings) sustainably and in line with their personal values.
Michelle Lambell started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach.Sara Walker is a financial planner and financial coach with 33 years’ experience in financial services. She wants all women to feel financially confident and uses her professional and life experiences to support and educate women over 40 so they in turn feel able to support and be role models for the younger women in their lives.
Jennifer O'Neil is a mortgage and protection specialist and director of Athena Mortgages. Having been in the industry since 2014 Jennifer decided to set up a company in 2020 that suited her core values as a broker – integrity, service, honesty and continuous improvement.
LinkedIn | Instagram | FacebookSupport the Show.
✅ And if you enjoyed the show, please leave us a review.
We genuinely love hearing your questions and feedback.
So, email us a voice note [email protected] or via instagram with your thoughts and suggestions. -
We have a super cool episode for you in this one with hypnotherapist Katie Crooks. She brings a wealth of insights on overcoming self-sabotage and imposter syndrome, empowering listeners to tap into their true potential.
Stay tuned to the end when Katie blows our mind with the significance of the word "try" and why Julie is determined to eliminate it from her vocabulary.
What Katie is reading: A New Earth - Eskhart Tolle and Secrets of a Millionaire Mindset - T Harv Eker
SPECIAL GUEST: KATIE CROOKS is a multi-talented singer, performer, and voice coach with over 20 years of experience. She has transitioned into hypnotherapy to help artists overcome the limitations and blockages in their vocal performances. Follow Katie on Instagram
YOUR HOSTJulie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.
Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Ebb & Flow Financial Coaching | Bree Wealth & Tax | Instagram
CO-HOSTS
Emily Pool is a Financial Planner and Will Writer. She is passionate about empowering people to invest their wealth (pensions and savings) sustainably and in line with their personal values.
Michelle Lambell started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach.Sara Walker is a financial planner and financial coach with 33 years’ experience in financial services. She wants all women to feel financially confident and uses her professional and life experiences to support and educate women over 40 so they in turn feel able to support and be role models for the younger women in their lives.
Jennifer O'Neil is a mortgage and protection specialist and director of Athena Mortgages. Having been in the industry since 2014 Jennifer decided to set up a company in 2020 that suited her core values as a broker – integrity, service, honesty and continuous improvement.
LinkedIn | Instagram | FacebookSupport the Show.
✅ And if you enjoyed the show, please leave us a review.
We genuinely love hearing your questions and feedback.
So, email us a voice note [email protected] or via instagram with your thoughts and suggestions. -
JOSIE COX asks why money is still so gendered! Why progress towards closing the gender pay gap has been so elusive over the past few decades. Why we’re still failing to have good, inclusive conversations about gender inequality. Josie is a journalist who has worked on staff for Reuters, the Wall Street journal, and The Independent and as a freelancer for the Guardian, The Washington Post, Fortune, Forbes, the BBC and a host of other outlets. She was a 2020/2021 Knight-Bagehot Fellow at Columbia Journalism School. She has an MBA from Columbia Business School and is also an associate instructor within the Strategic Communications program at Columbia’s School of Professional Studies. She lives in New York City.
Follow Josie: Instagram | LinkedIn | Substack | Twitter00:44 Josie Cox's Background and Career Journey
02:53 The Gendered Nature of Money
05:34 The Impact of Motherhood on Career
06:48 The Inequality Problem in America
08:35 The Gender Pay Gap and Its Implications
11:48 The Importance of Communication and Empathy
19:45 The Role of Women in the Unpaid Labor Market
40:30 The Struggle for Female Economic Empowerment
YOUR HOSTJulie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.
Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Ebb & Flow Financial Coaching | Bree Wealth & Tax | Instagram
CO-HOSTS
Emily Pool is a Financial Planner and Will Writer. She is passionate about empowering people to invest their wealth (pensions and savings) sustainably and in line with their personal values.
Michelle Lambell started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach.Sara Walker is a financial planner and financial coach with 33 years’ experience in financial services. She wants all women to feel financially confident and uses her professional and life experiences to support and educate women over 40 so they in turn feel able to support and be role models for the younger women in their lives.
Support the Show.
✅ And if you enjoyed the show, please leave us a review.
We genuinely love hearing your questions and feedback.
So, email us a voice note [email protected] or via instagram with your thoughts and suggestions. -
In this episode Julie, Michelle, and Emily engage in a spirited debate on the age-old question: Should you overpay your mortgage or put money into a pension? This showdown delves into the financial implications and personal preferences that go into making this crucial decision, leaving listeners with insightful perspectives to shape their own financial strategies.
- Decision-making considerations: Interest rates, investment returns, tax effects, and age
- Benefits of pension contributions: Tax relief, compounding growth, and access to funds
- Drawbacks of mortgage overpayment: Interest rates, lack of liquidity, and tax implications
- Split investment strategy: Allocating funds to both mortgage and pension for a balanced approach
- Lump sum decision: Factors influencing whether to invest in the mortgage or a pensionResources:
Will overpaying my mortgage or pension make me richer? (ii.co.uk)
MSE overpayment calculator
YOUR HOSTJulie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.
Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Ebb & Flow Financial Coaching | Bree Wealth & Tax | Instagram
CO-HOSTS
Emily Pool is a Financial Planner and Will Writer. She is passionate about empowering people to invest their wealth (pensions and savings) sustainably and in line with their personal values.
Michelle Lambell started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach.Sara Walker is a financial planner and financial coach with 33 years’ experience in financial services. She wants all women to feel financially confident and uses her professional and life experiences to support and educate women over 40 so they in turn feel able to support and be role models for the younger women in their lives.
Jennifer O'Neil is a mortgage and protection specialist and director of Athena Mortgages. Having been in the industry since 2014 Jennifer decided to set up a company in 2020 that suited her core values as a broker – integrity, service, honesty and continuous improvement.
LinkedIn | Instagram | FacebookSupport the Show.
✅ And if you enjoyed the show, please leave us a review.
We genuinely love hearing your questions and feedback.
So, email us a voice note [email protected] or via instagram with your thoughts and suggestions. -
We discuss the age-old dilemma of whether to overpay your mortgage or not.
- Debt management: Understanding the importance of addressing other debts before focusing on your mortgage.
- Establishing an emergency fund: The significance of having a financial cushion for unexpected expenses.
- Mortgage provider policies: Exploring the limitations and potential penalties for overpaying your mortgage.
- Calculating the interest rate differentials: Michelle walks through the math behind comparing mortgage interest rates and savings rates to determine the most effective use of your money.
- Setting up overpayments: Practical tips on setting up regular overpayments and the benefits of automation.
- Offset mortgages: Michelle explains the nuances of offset mortgages and the considerations when deciding on overpayments.
Resources:
- Debt Payoff Calculator
- Sprive app
- MSE website
YOUR HOST
Julie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Ebb & Flow Financial Coaching | Bree Wealth & Tax | Instagram
CO-HOSTS
Emily Pool is a Financial Planner and Will Writer. She is passionate about empowering people to invest their wealth (pensions and savings) sustainably and in line with their personal values.
Michelle Lambell started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach.Sara Walker is a financial planner and financial coach with 33 years’ experience in financial services. She wants all women to feel financially confident and uses her professional and life experiences to support and educate women over 40 so they in turn feel able to support and be role models for the younger women in their lives.
Jennifer O'Neil is a mortgage and protection specialist and director of Athena Mortgages. Having been in the industry since 2014 Jennifer decided to set up a company in 2020 that suited her core values as a broker – integrity, service, honesty and continuous improvement.
LinkedIn | Instagram | FacebookSupport the Show.
✅ And if you enjoyed the show, please leave us a review.
We genuinely love hearing your questions and feedback.
So, email us a voice note [email protected] or via instagram with your thoughts and suggestions. -
In this episode we discuss the 5 most common financial mistakes women tend to make. They indicate that often, women are not involved in long-term financial decisions or they fail to invest money in their own names. They also mention pitfalls like investing in high-risk schemes without a proper understanding of the risks involved, striving for financial perfectionism leading to inaction, and losing sight of the long-term financial goals.
42 - DIY a Financial Plan
45 - Start your first Stocks & Shares ISA
79 - How to start a pension
81 - How much risk should you take
YOUR HOSTJulie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.
Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Ebb & Flow Financial Coaching | Bree Wealth & Tax | Instagram
CO-HOSTS
Emily Pool is a Financial Planner and Will Writer. She is passionate about empowering people to invest their wealth (pensions and savings) sustainably and in line with their personal values.
Michelle Lambell started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach.Sara Walker is a financial planner and financial coach with 33 years’ experience in financial services. She wants all women to feel financially confident and uses her professional and life experiences to support and educate women over 40 so they in turn feel able to support and be role models for the younger women in their lives.
Jennifer O'Neil is a mortgage and protection specialist and director of Athena Mortgages. Having been in the industry since 2014 Jennifer decided to set up a company in 2020 that suited her core values as a broker – integrity, service, honesty and continuous improvement.
LinkedIn | Instagram | FacebookSupport the Show.
✅ And if you enjoyed the show, please leave us a review.
We genuinely love hearing your questions and feedback.
So, email us a voice note [email protected] or via instagram with your thoughts and suggestions. -
The episode discusses the changes in money habits as people age. They discuss how attitudes towards money can remain constant through life but can become more extreme or display in different ways with age. They also notice a sort of cycle where people in their 50s are highly focused on planning for retirement. Upon reaching the 60s, the strict and mindful planning often takes a backseat as they start indulging more but this changes again as they reach the 70s and the realities of aging set in. By 80s, people tend to focus more on sharing and giving away their wealth. They emphasise the importance of understanding the context of aging loved ones when discussing money and the need for patience and intentionality when making financial decisions.
01:18 Observations on Money Habits in Later Life
03:37 The Impact of Age on Decision Making
05:56 The Influence of Affluence on Money Habits
06:39 Challenging the Notion of Changing Money Habits
09:04 The Cycle of Money Habits Through Different Life Stages
20:28 The Role of Money in Facilitating Life
Regrets of the Dying
YOUR HOSTJulie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.
Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Ebb & Flow Financial Coaching | Bree Wealth & Tax | Instagram
CO-HOSTS
Emily Pool is a Financial Planner and Will Writer. She is passionate about empowering people to invest their wealth (pensions and savings) sustainably and in line with their personal values.
Michelle Lambell started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach.Sara Walker is a financial planner and financial coach with 33 years’ experience in financial services. She wants all women to feel financially confident and uses her professional and life experiences to support and educate women over 40 so they in turn feel able to support and be role models for the younger women in their lives.
Jennifer O'Neil is a mortgage and protection specialist and director of Athena Mortgages. Having been in the industry since 2014 Jennifer decided to set up a company in 2020 that suited her core values as a broker – integrity, service, honesty and continuous improvement.
LinkedIn | Instagram | FaSupport the Show.
✅ And if you enjoyed the show, please leave us a review.
We genuinely love hearing your questions and feedback.
So, email us a voice note [email protected] or via instagram with your thoughts and suggestions. -
In this episode of the Women in Money Cafe, the hosts discuss their old beliefs about money and reveal how they've evolved their views. From thinking they were useless with money or that they didn't deserve it, to believing that wealth equates happiness, each shares their journey to understanding their relationship with money. They touch on the impact of upbringing, work pressures, societal influences such as social media on perceptions about money and address money-related guilt. They also reflect on how financial coaching has illuminated their misconceptions and helped them reshape their thoughts around money, emphasising that everyone's belief about money is unique to their personal experiences and circumstances.
00:00 Introduction and Welcome
00:11 Exploring Old Beliefs About Money
00:52 Introducing the Co-Hosts
01:33 Sara's Money Beliefs Transformation
09:31 Emily's Perception of Money and Happiness
16:48 Michelle's Journey to Self-Worth and Money
28:04 Julie's Realization About Money and Importance
33:26 Final Thoughts and Wrap Up
YOUR HOSTJulie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.
Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Ebb & Flow Financial Coaching | Bree Wealth & Tax | Instagram
CO-HOSTS
Emily Pool is a Financial Planner and Will Writer. She is passionate about empowering people to invest their wealth (pensions and savings) sustainably and in line with their personal values.
Michelle Lambell started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach.Sara Walker is a financial planner and financial coach with 33 years’ experience in financial services. She wants all women to feel financially confident and uses her professional and life experiences to support and educate women over 40 so they in turn feel able to support and be role models for the younger women in their lives.
Jennifer O'Neil is a mortgage and protection specialist and director of Athena Mortgages. Having been in the industry since 2014 Jennifer decided to set up a company in 2020 that suited her core values as a broker – integrity, service, honesty and continuous improvement.
LinkedIn | Instagram | FacebookSupport the Show.
✅ And if you enjoyed the show, please leave us a review.
We genuinely love hearing your questions and feedback.
So, email us a voice note [email protected] or via instagram with your thoughts and suggestions. -
In this episode Julie, Sara, Michelle, and Emily discuss their best financial decisions and how they've positively shaped their personal finance management. Michelle shares her successful strategy of organizing money into separate 'pots' for different purposes - from taxes to holidays, allowing her to have a clearer picture of her finances. Sarah discusses the importance of active communication and shared financial understanding in a relationship. Emily reflects on smartly splitting an inheritance into short-term, medium-term, and long-term investments. Lastly, Julie chats about her '10 percent rule' for incrementally boosting her pension fund, thus securing her retirement. The episode encourages listeners to reflect on their own financial habits and think about how best to plan for the future.
01:21 Michelle's Money Management Strategy
12:36 Sara's Best Money Move: Communication
24:41 Understanding the Bigger Picture in Financial Planning
28:14 The Art of Financial Planning: A Personal Experience
39:30 The Power of Incremental Increases in Pension Contributions
YOUR HOSTJulie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.
Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Ebb & Flow Financial Coaching | Bree Wealth & Tax | Instagram
CO-HOSTS
Emily Pool is a Financial Planner and Will Writer. She is passionate about empowering people to invest their wealth (pensions and savings) sustainably and in line with their personal values.
Michelle Lambell started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach.Sara Walker is a financial planner and financial coach with 33 years’ experience in financial services. She wants all women to feel financially confident and uses her professional and life experiences to support and educate women over 40 so they in turn feel able to support and be role models for the younger women in their lives.
Jennifer O'Neil is a mortgage and protection specialist and director of Athena Mortgages. Having been in the industry since 2014 Jennifer decided to set up a company in 2020 that suited her core values as a broker – integrity, service, honesty and continuous improvement.
LinkedIn | Instagram | FacebookSupport the Show.
✅ And if you enjoyed the show, please leave us a review.
We genuinely love hearing your questions and feedback.
So, email us a voice note [email protected] or via instagram with your thoughts and suggestions. -
We know from chatting to you that many of you have started investing since listening to the podcast. And we love that! But we also know that it will have been hard watching your investments this year and that you may be tempted to quit investing and move money to cash because of interest rates. This episode is for you if you are feeling disillusioned with investing. The whole team is here for this episode to share with you what we are saying to our clients to help them right now.
At the risk of sounding like an Instagram reel, follow the process 😉 Remember why you invested in the first place.
Episode 81 - a refresher on risk
Episode 49 - what to do in scary markets
Blog - 4 ways to f##k up your investments, and what to do instead
YOUR HOSTJulie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.
Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Ebb & Flow Financial Coaching | Bree Wealth & Tax | Instagram
CO-HOSTS
Emily Pool is a Financial Planner and Will Writer. She is passionate about empowering people to invest their wealth (pensions and savings) sustainably and in line with their personal values.
Michelle Lambell started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach.Sara Walker is a financial planner and financial coach with 33 years’ experience in financial services. She wants all women to feel financially confident and uses her professional and life experiences to support and educate women over 40 so they in turn feel able to support and be role models for the younger women in their lives.
Jennifer O'Neil is a mortgage and protection specialist and director of Athena Mortgages. Having been in the industry since 2014 Jennifer decided to set up a company in 2020 that suited her core values as a broker – integrity, service, honesty and continuous improvement.
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Nitika and Lis from Aila Money discuss the gender wealth gap and ways to address it. They discuss Aila Money's innovative approach to equipping women with financial tools and knowledge. This includes a beta version of their not-yet-an-app, which focuses on life goal planning, not just finance, and understanding individuals' needs and wants for their life. Also discussed are the shifting patterns of wealth management in relation to women, the importance of investing, and the influence of language in financial advice and understanding.
01:58 The Importance of Financial Education for Women
02:47 Interview with Liz and Nikita from Aila Money
03:03 The Story Behind Aila Money
07:16 The Role of Language in Financial Advice
11:46 The Target Audience for Aila Money
27:16 The Importance of InvestingGUEST EXPERTS: LIZ PRAGER & NITIKA VYAS met at university. Over their careers they've come to see how much financial advice people with money have access to and the fact that the money advice gap is increasing! They have joined forces to co-found Aila Money, a digital financial coaching solution that helps people get more comfortable and confident managing their money. Aila combines technology, psychology, human coaching and financial advice to help people achieve their money goals.
Follow Aila Money:
Instagram | LinkedIn | Facebook | Web
YOUR HOST
Julie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making. Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Ebb & Flow Financial Coaching | Bree Wealth & Tax | Instagram
CO-HOSTS
Emily Pool is a Financial Planner and Will Writer. She is passionate about empowering people to invest their wealth (pensions and savings) sustainably and in line with their personal values.
Michelle Lambell started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach.Sara Walker is a financial planner and financial coach with 33 years’ experience in financial services. She wants all women to feel financially confident and uses her professional and life experiences to support and educate women over 40 so they in turn feel able to support and be role models for the younger women in their lives.
Support the Show.
✅ And if you enjoyed the show, please leave us a review.
We genuinely love hearing your questions and feedback.
So, email us a voice note [email protected] or via instagram with your thoughts and suggestions. -
On this episode of the Women in Money Cafe, guests Sara and Michelle talk about money M.O.T, a financial health check concept. They discuss tools such as HSBC's financial fitness test and Money to the Masses' money MOT tool. These tools can help listeners assess their financial health and provide insights on areas in need of improvement. They also discuss their personal strategies for saving money and encourage listeners not to feel overwhelmed when checking their finances, but instead take small steps to improve their financial situation.
00:00 Introduction and Welcoming Guests
00:21 Discussing the Concept of a Money M.O.T
02:00 Exploring the HSBC Financial Fitness Test
02:51 Discussing the Importance of Knowing Your Financial Numbers
03:17 Sharing Personal Experiences with the HSBC Test
10:00 Introducing the Money to the Masses Tool
10:20 Sharing Personal Experiences with the Money to the Masses Tool
15:40 Discussing the Importance of Emergency Funds
21:15 Sharing Personal Money Management Strategies
27:19 Final Thoughts and Closing Remarks
Money to the Masses MOT https://mot.moneytothemasses.com/
HSBC Fitness Score https://financialfitness.hsbc.co.uk/
YOUR HOSTJulie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.
Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Ebb & Flow Financial Coaching | Bree Wealth & Tax | Instagram
CO-HOSTS
Emily Pool is a Financial Planner and Will Writer. She is passionate about empowering people to invest their wealth (pensions and savings) sustainably and in line with their personal values.
Michelle Lambell started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach.Sara Walker is a financial planner and financial coach with 33 years’ experience in financial services. She wants all women to feel financially confident and uses her professional and life experiences to support and educate women over 40 so they in turn feel able to support and be role models for the younger women in their lives.
Support the Show.
✅ And if you enjoyed the show, please leave us a review.
We genuinely love hearing your questions and feedback.
So, email us a voice note [email protected] or via instagram with your thoughts and suggestions. -
The team at Women in Money Cafe discuss their favourite films that involve money and the lessons that can be gleaned from them. Some films highlighted include 'The Big Short', which helps demystify the 2008 financial crisis; 'Rogue Trader', a true story that illustrates the importance of proper financial compliance; and 'Confessions of a Shopaholic', a lighter-heartened film portraying the drawbacks of overspending. They also analyse general themes like rags-to-riches narratives, use of money in films to induce certain emotions and the potential educational value of these films for children or those unfamiliar with complex financial constructs.
00:00 Introduction
00:38 Introducing the Team and Their Favorite Money Movies
01:34 Discussion on 'The Big Short'
06:50 Insights on 'Rogue Trader'
12:20 Exploring 'Confessions of a Shopaholic'
16:55 Reflecting on Money Themes in Movies
25:37 Recommendation of 'Margin Call' and Closing Thoughts
The Films:
Big Short - Netflix
Margin Call - Amazon
Rogue Trader - YouTube
Confessions of a Shopaholic - Disney
Up - Disney
Trading Places - Amazon
YOUR HOSTJulie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.
Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Ebb & Flow Financial Coaching | Bree Wealth & Tax | Instagram
CO-HOSTS
Emily Pool is a Financial Planner and Will Writer. She is passionate about empowering people to invest their wealth (pensions and savings) sustainably and in line with their personal values.
Michelle Lambell started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach.Sara Walker is a financial planner and financial coach with 33 years’ experience in financial services. She wants all women to feel financially confident and uses her professional and life experiences to support and educate women over 40 so they in turn feel able to support and be role models for the younger women in their lives.
Support the Show.
✅ And if you enjoyed the show, please leave us a review.
We genuinely love hearing your questions and feedback.
So, email us a voice note [email protected] or via instagram with your thoughts and suggestions. - Vis mere
