Podcasts about ellevest

Send us a textOn this episode of The Get Ready Money Podcast, I spoke with Shannah Game, CFP, author, podcaster and money wellness expert about changing the way we think about money and her book “Unraveling Your Relationship With Money”. Key takeaways:There isn't a perfect way to do money. Your self worth does not equal your net worth.Create a mindful spending plan with real data. Grant yourself financial forgiveness. Wealth building is a journey. Healing comes through money conversations.Connect with Shannah Game: Website (here)Instagram: @shannahgameLinkedIn (here)Books:Unraveling Your Relationship with Money: Ditch Your Money Trauma so You Can Live an Abundant Life! (Bookshop)Podcast:Everyone's Talkin' Money: Money Secrets Nobody Tells You (Apple Podcasts)Resources mentioned:Ellevest: a woman-first approach to building wealth (here)Invest for Better: a community of women transforming the world through values-aligned investing (here)Wall Street Journal (here)Bio: Shannah Game is a renowned financial expert, Certified Financial Planner™, and Certified Trauma of Money Specialist who's passionate about helping people heal their relationship with money and build unapologetic wealth. As the host of the Everyone's Talkin' Money podcast, with over 26 million downloads, and author of Unraveling Your Relationship with Money: Discover and Ditch Your Money Trauma So You Can Live an Abundant Life, Shannah combines her expertise with real talk to help you ditch money shame, rewrite your money story, and finally feel in control of your finances. When she's not talking about money, you can find her hiking the Blue Ridge Mountains or baking the best cupcakes in Asheville.Support the showThe Get Ready Money Podcast and its guests do not provide investment advice. All content is for educational purposes. Guest opinions do not necessarily reflect the opinions of The Get Ready Money Podcast and Tony Steuer.

"Money should be working for you." It's never too late to level up! In this special event recording sponsored by Yahoo!, you'll learn from Judy Herbst, financial expert and the Executive Director of Savvy Ladies. This nonprofit is dedicated to providing free financial education and resources to women, empowering them to achieve financial independence.Moderated by Jackie Hyland, NYWICI member and Associate Director of Corporate Affairs, Sustainability at KPMG US, this conversation focuses on how to manage your money instead of it managing you. Whether it's building a diversified investment portfolio, shoring up an emergency fund that fits a tight job market (potentially 9 months of runway) or leveraging your earning potential, you'll come away with actionable tips to explore your next steps to long-term wealth building. Resources mentioned: Free Financial Helpline; CFP Board; Podcast: Power of the Ask; Ellevest; Jean Chatzky

Send us a message!The Great Wealth Transfer will move $124 trillion by 2048, according to recent data from Cerulli Associates. But the most revolutionary aspect? Women will inherit approximately 70% of this unprecedented wealth transfer.Sylvia Kwan, PhD, CFA, CAIA - CEO and CIO of Ellevest - breaks down this seismic shift during our conversation, revealing that $54 trillion will go to surviving spouses (95% of whom are women) while another $46 trillion flows to younger generations. For many women, particularly those from older generations who delegated financial management to partners, this represents their first opportunity to independently control substantial assets.What makes this transition particularly fascinating is how differently these beneficiaries approach investing. Women typically view investing as a means to achieving specific financial goals rather than simply beating market benchmarks. Both women and younger generations seek investments that align with personal values and generate positive social and environmental impact alongside financial returns. There's also growing skepticism about the traditional 60-40 portfolio, with younger investors gravitating toward alternative investments, private markets, and technology-enabled platforms that offer greater personalization and control.Financial firms hoping to thrive during this transition must adapt accordingly. Beyond upgrading technology infrastructure to meet digital-first expectations, companies need to develop highly personalized offerings, expand beyond conventional stock-bond allocations, and create frameworks that help clients align investments with personal values. As Sylvia wisely advises, regardless of market conditions, success still comes down to fundamentals: create a well-diversified long-term plan and stick with it through inevitable volatility. Ready to prepare for this unprecedented wealth transfer? Listen now to gain invaluable insights that could reshape your approach to wealth management.If you'd like to learn more about the show, have a topic or speaker to suggest, or would like to leave us a comment, email podcast@cfa-sf.org. This podcast is produced by CFA Society San Francisco, a not-for-profit professional association, providing professional learning and career resources to over 13,000 investment industry professionals worldwide. To learn more about CFA Society San Francisco, visit our website or connect with us on LinkedIn.The information contained in this podcast does not constitute financial or investment advice. Please consult your own financial advisor for information concerning your specific situation.

  In this episode of the Executives' Exchange, we feature Sallie Krawcheck, Co-founder and Former CEO, Ellevest. As a trailblazer in the investment landscape, Sallie empowers women to make informed financial decisions that matter most to them, their families and communities. Sallie is joined by Sidney Dillard, Partner at Loop Capital Markets. This conversation was recorded in front of a live audience on September 26, 2024.    00:00 – Intro   01:54 – Not Being My Mother  05:15 – Money is Power  07:34 – Career Journey into Capital  11:06 – Research Analyst to Women  16:34 – What Was the Motivator  20:24 – Wealth Management   23:45 – Managing Wealth with a Family  28:28 – Sponsorship Message from Shore  29:35 – Feminization of Wealth  34:32 – Difference to Leader Large Corp vs Small   37:08 – Brand Building   39:50 – Thinking About Money as Women  40:58 – Diversity and Inclusion in the Market  45:04 – Advice to Entrepreneurial Women  49:43 – Outro    Episode Link(s): Ellevest    Guest Host: Sidney Dillard, Partner, Loop Capital Markets  Producer: Eva Penar, Chief Content & Communications Officer, The Executives' Club of Chicago        Subscribe on Apple, Spotify, or wherever you listen to podcasts.     Thank you to our podcast sponsor, Shure Incorporated.    For nearly 100 years, Shure Incorporated has developed best-in-class audio products that provide high-quality performance, reliability and value. Headquartered in Niles, Illinois, our history of innovation and expertise in acoustics, wireless technology, and more enables us to deliver seamless, transparent audio experiences to a global audience. Our diverse product line includes world-class wired and wireless microphones, networked audio systems and signal processors, conferencing and discussion systems, software, a loudspeaker, and award-winning earphones and headphones.    Find Shure on: Facebook | LinkedIn | Instagram 

Daycare costs more than rent in 16 of the nation's 100 largest cities according to US Today. With this being such a difficult reality for many parents, I'm sharing 25 smart ways to save on daycare. Also, Rachel Lawrence from Monarch Money shares how to budget as a couple and how Monarch Money can support the process. RESOURCES **Sponsors + Partners + Deals: https://www.marriagekidsandmoney.com/sponsors 25 Ways to Save on Daycare (Article): https://marriagekidsandmoney.com/ways-parents-save-money-daycare/ Monarch Money (Free Trial): https://www.marriagekidsandmoney.com/monarchmoney (affiliate) GUEST BIO - Rachel Lawrence Rachel Lawrence currently serves as the Head of Advice & Planning at Monarch, a collaborative personal finance app. She is also the founder of both Reverie Wealth and Plan Ventures. Before Monarch, Rachel worked as the Director of Coaching at Ellevest and Director of Financial Planning at Advizr. She is a certified financial planner and holds a Master of Science in Financial Planning. With over 15+ years of experience, Rachel has expertise in countless areas including budgeting, debt management, retirement planning, investing, and more. MKM RESOURCES Make My Kid a Millionaire Course: Want to make your kid a millionaire? Learn more about my course! MKM Coaching: Request a free 15-minute consultation today YouTube: Subscribe for free to watch videos of these episodes and interviews Instagram: Follow our IG channel HOW WE MAKE MONEY + DISCLAIMER This show may contain affiliate links or links from our advertisers where we earn a commission, direct payment or products. Opinions are the creators alone. Information shared on this podcast is for entertainment purposes only and should not be considered as professional advice. Marriage Kids and Money (www.marriagekidsandmoney.com) is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to amazon.com. CREDITS Research & Writing: Andy Hill Podcast Artwork: Liz Theresa Editor: Podcast Doctors Podcast Management: Nev Maraj Learn more about your ad choices. Visit megaphone.fm/adchoices

Many workplaces hire, reward and promote on culture fit. But that can come with real costs to individuals and organizations. In this episode, Adam dives into the evidence on why overemphasizing fit can overlook promising people — and shows how organizations can fight conformity and support self-expression. Guests include Ellevest founder Sallie Krawcheck, IDEO innovators Jim Yurchenco and Diego Rodriguez, and organizational behavior expert Patricia Hewlin.Available transcripts for WorkLife can be found at go.ted.com/WLtranscripts

Many workplaces hire, reward and promote on culture fit. But that can come with real costs to individuals and organizations. In this episode, Adam dives into the evidence on why overemphasizing fit can overlook promising people — and shows how organizations can fight conformity and support self-expression. Guests include Ellevest founder Sallie Krawcheck, IDEO innovators Jim Yurchenco and Diego Rodriguez, and organizational behavior expert Patricia Hewlin.Available transcripts for WorkLife can be found at go.ted.com/WLtranscripts

Want to stop mindlessly scrolling and start mindfully earning? Yes, there's an app for that! Join Amber as she dives into the world of investment apps and reveals the secrets to sustainable investing. You'll learn all the tea behind Robinhood and what you need to know to protect your portfolio. From the pros and cons of the top robo advisors on the market to understanding the dangers of day trading, this episode equips you with the foundation to head into the app store with confidence.---------------------------In today's episode, we cover the following:Amber's Cash Consciousness update (0:45)How to be a smart investor (11:28)Robinhood: game-ifying investing (14:53)Protecting yourself on investing apps (27:05)The pros and cons of robo-advisors (30:03)Wealthfront (34:08)Betterment (37:00)Acorns (38:34)Ellevest (40:34)Investing is a long-term game (42:27)Calming your financial fight or flight (48:45)What to expect on next week's episode (51:55)----------------------------RESOURCES: Episode 042: Do You Need a Financial Planner to Build Wealth?Research the best investment for you on BankrateInvest in startups with WeFunder----------------------------Take control of your financial life today. Download your free Net Worth Tracker at oldmoneypodcast.com/networth and track the GROWTH of your financial future. ----------------------------Connect with the Old Money Podcast:Web: OldMoneyPodcast.comEmail: OldMoneyPodcast@gmail.comInstagram: @OldMoneyPodcastTikTok: @OldMoneyPodcast----------------------------Copyright (c) Old Money 2024. The content presented in this podcast is intended to entertain, educate, inspire and support listeners in their personal and professional development and does not constitute business, financial, or legal advice. Please note that this episode may contain paid endorsements and advertisements for products and services for which individuals on the show may have a direct or indirect financial interest in products or services related to the episode.

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In the latest episode of the FemCity Podcast, FemCity Founder, Violette de Ayala is joined by FemCity Founder Member and financial planner, Mari Delgado where they dive into the topic of Girl Math, the Truth of Women and Finances. Don't' miss this.  About Mari // Mari, a CFP® professional and Private Wealth Advisor, is a strong believer that anything can be achieved with the proper planning and preparation. From serving as the first woman president of the Association of Latino Professionals For America at FIU, to starting her career at the top team at Merrill Lynch, she's broken down barriers time and time again. Mari brings a decade of experience in Private Wealth Management. She currently works at Ellevest, a financial advisory firm built by women for women. Her main focus is to help women in transition: executives with significant wealth tied up in one stock, dealing with divorce or the loss of a partner, receiving an inheritance, navigating an IPO or liquidity event or nearing (or currently in) retirement. Mari helps her clients build financial stability and make an impact with their wealth using personalized, goals-based investment strategies. She currently serves both Spanish- and English-speaking clients nation-wide. Mari is a big supporter of local organizations like Habitat for Humanity, 100+ Women Who Care, Women's Executive Club of Fort Lauderdale, Coral Gables Woman's Club and the Nicklaus Children's Hospital. Her hobbies include yoga, running & reading. Her and her husband, Manuel, recently welcomed twin boys! Connect with Mari! Email: mdelgado@ellevest.com LinkedIn: https://www.linkedin.com/in/mariidelgado/ About FemCity // Join FemCity with a complimentary Community Membership!It's the perfect way to sample our Membership, attend local events, meet FemCity Founder, Violette de Ayala and see if the FemCity vibe is a good fit for you. And it's free! You can also learn more about launching a FemCity Chapter in your community. FemCity has been seen in Gilt, Vogue, AP News, Entrepreneur, Forbes, and MarieClaire. Learn why FemCity is more than just a women's networking group at www.femcity.com and on all social platforms @FemCity. Want to learn about FemCIty? Join us for our free upcoming Get to Know FemCIty event.  About Violette de Ayala // Violette is a Cuban-American serial and social Entrepreneur, Founder of FemCity®, and virtual mentor to over 20,000 women. Violette has been quoted in Success, Entrepreneur, CNBC, Yahoo Small Business, Business Insider News as a small business expert. You can connect with Violette on IG, FB, LinkedIn at Violette de Ayala. About Lynn Pelzer // Lynn is the COO of FemCity and has held a chair position on boards, currently part of a DEI board with FemCity, she has been awarded the Rising Star Award and Crystal Executive Award in her previous company. She has been a contributor on podcasts as well as blogs, and has been a speaker in women's groups on the topics of business. You can connect with Lynn on Facebook or Linkedin @lynnpelzer.

If you're not close to retirement age (or sadly, don't think you'll ever retire) maybe you're not moved by the thought of financial planning. On the other hand, there are a lot of other reasons why you need to expand your financial education so you can have more control over your financial future. Today's conversation reveals just some of the many reasons it's important to become more financially savvy. We've got some great tips for you. Listen now and share this episode with your gal pals! Link mentioned in the episode: ElleVest.com

How can aligning investments with values drive positive social change? Through conscious investing, individuals can leverage their financial resources to advocate for positive change and contribute to building a more equitable and sustainable future for all.In this episode of the Power, Purpose & Prosperity Podcast, Sabine discusses with Janine Firpo the significant role women can play in the finance world. Janine is an experienced investor who prioritizes values, and has a rich background in empowering women to manage their finances. She's also a leading investor in Next Wave Impact, a fund aimed at encouraging more women to become angel investors.Tune in to discover how joining supportive communities like investment circles can empower women, giving them the knowledge and confidence to invest with purpose. You'll also hear real-life examples highlighting the importance of paying attention to your investments to ensure financial growth.Key TakeawaysThe potential for women to influence the economy significantly by 2030 through wealth control, and how this can lead to a more equitable and sustainable economy.How joining investment circles can empower women to confidently discuss and manage their finances.The importance of actively managing investments to ensure financial growth.The benefits of having a supportive community of women to overcome financial fears and gain investment knowledge.What You Will Learn in This Episode: [02:24] Janine's career evolution and the pivotal moment that led her to shift towards impact investing.[05:51] She describes her collaboration with Ellen Remmer and the founding of Invest for Better to help women invest with their values.[10:09] Understanding investment circles and how they empower women to confidently discuss and manage their finances.[14:09] The shame and guilt women feel around money, plus statistics and societal messages that discourage women from engaging with money.[17:46] Janine shares some real-life examples of women missing out on significant financial growth due to a lack of attention and knowledge. [23:09] The importance of seeking help to deal with your money trauma and taking small steps towards experimenting and gaining knowledge. [27:30] Tools and resources like robo-advisors (Betterment, Ellevest) for beginners, plus a few things to keep in mind.Connect with Janine:Website: https://investforbetter.org/ LinkedIn: https://www.linkedin.com/in/janine-firpo-047282/ Book Recommendation:Activate Your Money, Invest to Grow Your Wealth, and Build a Better WorldDesigning Your Life by Bill Burnett and Dave Evans *************HOST INFO:Sabine Gedeon is a transformative figure in leadership and personal development and serves as the CEO of Gedeon Enterprises. With nearly two decades of experience, she guides clients in startups and Fortune 500 companies. Sabine's unique approach combines human-centered principles with tech-enabled solutions, delivering customized programs for leaders at all levels to tackle crucial leadership and talent development challenges. *************ADDITIONAL SUPPORT:Download Free Resources - https://sabinegedeon/giftsGet Coaching Support: https://meetwithsabine.as.me/Discovery

On this week's episode of Getting Rich Together, I had the pleasure of speaking with Cam Rogers, a thought leader and powerhouse in the space of women and wealth. Cam shares her incredible journey with money, starting from her earliest memories of opening her first bank account as a child. Cam walks us through her career path, from working at JP Morgan handling institutional investment portfolios to her current role at Ellevest, a pioneering company focused on closing the gender investing gap.  At Ellevest, Cam gets to directly serve women clients and help them overcome barriers to investing and building wealth. We talk about the "feminization of wealth" — the rising financial empowerment of women through earned income, business successes, and the great wealth transfer from baby boomers. Cam opened up about her personal investment philosophy and approach, where timing is very important in her strategy. She also shares how she finds joy in collecting art from diverse, contemporary women artists and using her wealth for travel and experiences.       Key Topics: Earliest money memories as a kid What it was like working for JP Morgan right out of college Knowing when to walk away from risky investments Transitioning from JP Morgan to Ellevest How Cam's network has influenced her personal finance journey Balancing your risk when you first start investing Don't bet the house on a hard investment lesson The feminization of wealth Preparing for The Great Wealth Transfer Wealth means voting with your dollars to effect change Funding things that are transformational for society What purchases bring Cam joy Connect with Cameron online: Website (business): https://www.ellevest.com/ Instagram: @ellevest LinkedIn: https://www.linkedin.com/in/cameron-rogers-cfa-85768520/ Find more from Syama Bunten: Instagram: @syama.co, @gettingrichpod Website: https://scalingretail.com/, https://syamabunten.com/ Youtube: https://www.youtube.com/scalingretailconsulting  

In a season dominated by Taylor Swift, Beyoncé, and Barbie, investment world icon Sallie Krawcheck returns to Rapid Response to celebrate what she calls “the feminization of wealth.” Founder and CEO of women-led investment platform Ellevest, Krawcheck sits down with host Bob Safian to discuss Ellevest reaching $2 billion in assets under management and what the milestone indicates about the state of gender equity in 2024. The pair also dive into The Great Wealth Transfer — primed to turn the economy on its head.Visit the Rapid Response website here: https://www.rapidresponseshow.com/See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

LaToya Bowlah  is a leader in digital transformation and customer lifecycle marketing. Her background also includes developing go-to-market strategies at prominent tech/high-growth start-ups including Nasdaq and Bloomberg Digital, as well as leadership roles at AnthologyAI, Bloomberg News, Ellevest, and others.   LaToya and Matt discuss:   *   Striking the right balance between revenue growth and customer value is essential *   Investing in tech should be proportionate to your current growth and operational needs *   Lifecycle marketing sits at the intersection of data science, content, and automation *   Adapting to industry changes is crucial for any marketing leader   Chapters: (0:00) Balancing Customer Value and Revenue in Lifecycle Marketing   (4:10) Innovating Digital Media with Dynamic Paywalls at Bloomberg   (5:40) LaToya Bowlah's Journey Through Marketing and Product Strategy   (8:47) Ethical Data Sourcing and Consumer Control in Predictive Modeling   (10:14) Strategizing Marketing Channels and Automation in Business   (14:58) The Misconception of SEO as a Silver Bullet   (17:01) Strategies for Effective Go-to-Market Execution   (18:12) Strategies for a Successful Go-To-Market Approach   (21:46) Defining Market Segments for Communication Platforms   (22:47) Optimizing Customer Lifecycle for Growth and Activation   (24:44) Strategizing Sales and Marketing for Scalable Business Growth   (26:39) Lifecycle Marketing's Impact on Customer Experience and Revenue   (28:17) Email's Enduring Intimacy and Importance in Digital Marketing   (29:47) The Underestimated Power of Email Marketing   (31:19) Maximizing Efficiency in User Acquisition and Lifecycle Marketing   (34:11) Misconceptions in Market Strategy and Investment   (34:52) Striking Balance in Customer Engagement and Revenue Growth   (38:43) Understanding Customer Relationships and Communication Strategies   (40:07) Strategizing Customer Engagement and Growth Loops   (43:28) Optimizing Fintech User Engagement Through Iterative Testing   (45:52) Strategies for Early Stage Founders to Adapt in Marketing   (49:22) Sales Success Without Technology: A Practical Approach   (51:05) Debunking the Silver Bullet Myth in Lifecycle Marketing   Link to Transcript

Hoy te traigo un episodio inspirado en un artículo que leí hace un mes atrás. La revista era Ellevest y el artículo se llamaba “The feminization of Wealth” o la feminización de la riqueza.  El artículo me atrapó de inmediato y después de leerlo me ha tomado varias semanas procesar las implicancias que esto tiene para la vida financiera de nosotras, las mujeres. Así que hoy, después de mucha reflexión, no sólo te quiero contar de que trata esto de la feminización de la riqueza sino cuáles son las acciones concretas que debes tomar para prepararte para este nuevo fenómeno.

Dive into an enriching conversation with Tess Waresmith as she tackles common financial myths and opens the door to investment strategies that are accessible to all. Learn how understanding and overcoming these misconceptions can lead you to a path of financial freedom.If you have any questions about this episode or want to get some of the resources we mentioned, head over to LesleyLogan.co/podcast. If you have any comments or questions about the Be It pod shoot us a message at beit@lesleylogan.co. And as always, if you're enjoying the show please share it with someone who you think would enjoy it as well. It is your continued support that will help us continue to help others. Thank you so much! Never miss another show by subscribing at LesleyLogan.co/subscribe.In this episode you will learn about:Why mastering money management is a skill you can develop regardless of your financial background.How Tess's financial missteps became her greatest lessons in achieving financial expertise.Why financial literacy and investing are crucial tools for women's financial empowerment.How to use 529 plans and Roth IRAs for smarter investing and future financial security.Understand why knowing your investment fees can significantly impact your financial growth.Episode References/Links:Wealth with Tess InstagramWealth with Tess TikTokWealth with Tess websiteSavvy Investor Starter Pack529 Plans (SEC: Updated Investor Bulletin: An Introduction to 529 Plans)The Psychology of Money by Morgan HouselGuest Bio:Tess is a financial coach and the founder of Wealth with Tess, a financial education community that helps women in their 30's and 40's learn how to grow their money using simple investing strategies so that they can retire comfortably, chase their dreams, and live life on their terms. After losing 80k in bad investments in her twenties, Tess learned everything she could about wealth building and built her net worth to 1 million as a single 35 year old woman. Now she's helped thousands of women learn how to grow their money using simple investing strategies anyone can do (even if you're short-on-time or a total newbie investor). Thousands of women have attended her free investing workshops, hundreds of women have joined her small group coaching programs, and she regularly shares simple money tips for free on instagram.  If you enjoyed this episode, make sure and give us a five star rating and leave us a review on iTunes, Podcast Addict, Podchaser or Castbox. DEALS! Check out all our Preferred Vendors & Special Deals from Clair Sparrow, Sensate, Lyfefuel BeeKeeper's Naturals, Sauna Space, HigherDose, AG1 and ToeSox Be in the know with all the workshops at OPCBe It Till You See It Podcast SurveyBe a part of Lesley's Pilates MentorshipFREE Ditching Busy Webinar  Resources:Watch the Be It Till You See It podcast on YouTube!Lesley Logan websiteBe It Till You See It PodcastOnline Pilates Classes by Lesley LoganOnline Pilates Classes by Lesley Logan on YouTubeProfitable Pilates Follow Us on Social Media:InstagramFacebookLinkedIn  Episode Transcript:Tess Waresmith 0:00  Investing is one of those things that feels really complicated and out of the realm of possibility for us sometimes. But that is just because of the financial jargon. It's because of limiting beliefs. It's because of messaging. Once you actually get a basic education, you realize it's not that complicated, but I definitely did not start out that way and in my 20s actually made a whole lot of big, big investing mistakes. And that's actually why I learned what I learned now. Lesley Logan 0:27  Welcome to the Be It Till You See It podcast where we talk about taking messy action, knowing that perfect is boring. I'm Lesley Logan, Pilates instructor and fitness business coach. I've trained thousands of people around the world and the number one thing I see stopping people from achieving anything is self-doubt. My friends, action brings clarity and it's the antidote to fear. Each week, my guest will bring bold, executable, intrinsic and targeted steps that you can use to put yourself first and Be It Till You See It. It's a practice, not a perfect. Let's get started. All right, Be It babe, we are going to talk about money today. And it's so, so important I do not want you to go I'm gonna skip this one money scares me. No, no, no, this is like you'll be so amazed, so fired up. I'm so excited about what I learned on this episode like so, so excited. I'm immediately, after this, signing up for just at least what Tess just guide us, because y'all one of the reasons I love having her on, and one of the reasons I wanted to have her on is that she is really passionate about normalizing money conversations, especially for women, and investing. And I believe in being it till you see it and I believe in every single one of you having exactly what you want in this minute. And I also believe that there's a security that is needed. And a lot of times we think we're not good with money because we told ourselves a story, or we've been told a story or family told us a story and you're just gonna love Tess, you're gonna love her advice. She's brilliant. She's amazing. And she's going to help you understand how simple it can be to invest. So here is Tess Waresmith. All right, Be It babe, this is gonna be a thrilling conversation. I'm really, really excited to talk about all the things that Tess Waresmith is an expert at. So Tess, thank you for being a guest to us today and can you tell everyone who you are and what you rock at? Tess Waresmith 2:22  Sure. So my name is Tess. I am a financial educator and I rock at helping women make the most of their hard-earned money by teaching them super, super simple investing strategies and ways to grow their money, even if you're totally new to investing, totally intimidated, have little time, like so many people, and just want to learn how to make sure your money is working for you. So that's what I do. I do that through coaching, teaching, workshops, and I'll always trying to normalize money conversations as much as possible. I love that so much. On many episodes, I've been like, we have to talk about how much money we make ladies, otherwise you don't know how much money you can make at things like if we don't, we've got to normalize that conversation. So I think it's really, really important. Before we get into all that, though, I do. Because I do think that something like oh my God, investing that scares me, this is going to be above my like, level of understanding. Don't turn this off. I really want you to hear it. Can you, have you always just been amazing at money or is it just something that came natural? Were your parents like super good about telling you how to balance a checkbook? Like how did you get to be an expert?The short answer is no to all of the above. I did not learn how to manage money as a kid, I was not taught by my parents. In fact, my father was horrible with money and spent a lot of it and now is months behind on mortgage payments. So no, I did not grow up with a deep understanding of money. And I think it's important to realize that most people don't. I feel like we have this misconception around money where you're either good at it or you're not. And I hear so many people say I'm not good at money like it's a skill that you're born with. But just like anything else, it's a skill that you develop that you have to learn. And thankfully, and I'm glad you said not to turn it off when it comes to investing because investing is one of those things that feels really complicated and out of the realm of possibility for us sometimes. But that is just because of the financial jargon. It's because of limiting beliefs. It's because of messaging, once you actually get a basic education, you realize it's not that complicated, but I definitely did not start out that way. And in my 20s actually made a whole lot of big, big investing mistakes. And that's actually why I've learned what I learned now I was sort of forced to because I realized how much money I was losing by doing the wrong things that I went in a deep dive, did all this research and then I realized this crazy truth that it's actually not that hard. And so now I feel honestly morally obligated to do this work because it is so accessible to everyone, especially these days. There's so much great education. There's so many easy ways to invest. You don't have to be good at math. You don't have to be rich already. You don't have to have a ton of money to get started. You don't even need to be totally out of debt. Lesley Logan 5:01  Yes, I love that you said that. Tess Waresmith 5:05  So I'm really trying to demystify a lot of the myths around investing because there's so many and at the end of the day, we need this skill to make sure that we can unlock our full potential, chase our dreams, retire comfortably, have safety and security like that is really critical to your well being. So investing is not an optional thing. I think every woman needs to learn it. And we need to have more people providing digestible, relatable, no judgement, education. And that's what I'm trying to do.Lesley Logan 5:34  I really love that because I also love you said, you don't have to be out of debt. I think that's really important. A lot of women I talked to like, I'm almost out of debt. I don't want to, like they're not investing in their business yet because they want to be out of debt first. And I'm like, for just so I what I have learned is that they really care if you are in debt, like no one's giving you money if you can't show that you manage debt, so like, there's this like, really weird thing that we're supposed to be out of debt, when really the way your credit score works is based on how you manage debt, which is this really backed up weird thing in the US, if you're my European listeners, you're like what I just don't know what you're talking about. But can you, also I'm impressed that you were investing any money in your 20s. I was, like, desperately trying to pay rent, and my student loans up. So I feel like I, I feel like I was really late to the game and started like a 401k. I was like, at least I'm doing this I'm like at least I'm doing this. And then I talked to someone who's like you can do an IRA. And I'm like, okay, I don't know what that means. But here you go. So I feel like I am one of those people who's gonna learn a lot today because I don't even know that I'm investing as well as I could be and I definitely wish I was. So what are some of your common myths, you hear that we should just be like busting right now off the top of the show?Tess Waresmith 6:44  Well, the one common myth that you mentioned is that it's too late or you feel like you're late. And I think regardless of what age we start at, and this is like the most common belief, I feel, when it comes to investing that I talk to every woman about regardless of whether they're 25 or 50 is that they're behind and that they're too late to catch up and they've already like made some mistakes that are too hard to come back from, and that is a huge myth. Because one, if you're having these conversations and you're focusing on your money in your 20s, 30s or 40s, even if you haven't done anything yet, if you're starting to take action, you still have time to make a massive difference in what the rest of your life looks. So I think that's a huge mistake is that people feel like they're so far behind that they become paralyzed. And they're like, well, it doesn't really matter now, because I'm already so far behind, when in reality, you're not as far behind as you think I guarantee that if you're sitting there listening to this thinking, like I'm really behind, I bet you're not as far as you think, first of all, and second of all, every year, month that you wait to take control of your money, you are jeopardizing your financial future. So in the same breath, you're not too late. But the longer you wait, the harder it's going to be to reach your financial goals. And I have never worked with a woman that said, oh, man, I really like wish I waited to start investing until I understood every piece of this, like no one's ever said that. So that's the first one. The second one, I say, I'll come back to the debt one, because I think that's pretty important. A lot of people feel like they have to pay off all their debt, even their mortgages or their student loans. And while yes, you do want to pay off high-interest debt, and I would say that's, you know, debt over seven-ish percent, like that's the kind of debt you want to pay off quickly, because you're just going to be hemorrhaging any wins you have in the stock market, if you're paying down if you're still paying interest on high interest debt. But if you have just student loans under 7%, if you have a mortgage under 7%, the average return in the stock market is roughly 10%. You subtract for inflation 8%. So, in many cases, when I work with people that are paying extra money towards their student loans or extra money to their mortgages, and they're paying down loans that have relatively low interest rates, if they stopped doing that and started investing that money instead, they would have the ability to build more wealth compared to the money they would save by paying down their mortgage or their loan faster. So it's important to understand the basic math of that. And so 7% is a good percentage to start evaluating and to really be thinking about how you're spending your money because at that point, if you're paying the minimums on your loans, you might actually be doing better and build faster wealth if you are investing. The other thing I'll comment on because I know you have a lot of entrepreneurs listening to this is there is something to be said also for investing in your business. If you are paying down debt and you don't have high-interest debt, again, if you have high-interest credit card debt that's something you got to get rid of because that's just going to become a deeper, deeper hole. So that's something that you got to focus on first before you start investing. But when it comes to your business, if you have lower-interest debt you absolutely should be finding ways to invest in your business provided that you're thinking through the ROI because that's eventually going to help you create more money to invest. And at the end of the day, your income does matter when it comes to investing because that's going to impact how much you can invest and how much your money compounds. So those are a couple of myths. And then I mean, there are so many, which is why this is such a, this is such a meaty topic and why I love talking about investing, because I love busting these myths but the last one I will say is that good investing strategies are complex. And that is a huge, huge myth, because actually, the best investors are people that create really, really simple investment portfolios. And I teach people how to do this all the time, in a matter of like hours, it doesn't take years, it doesn't take an economics Ph.D. or a series six or finance degrees, you just need a little bit of time and an open mind. And you can learn how to create very, very simple investment portfolios that you buy and hold. You don't have to learn how to pick stocks, you don't have to learn how to time the market. And in fact, people that do those things end up getting much, much lower returns. So investing is one of the few things in life, like actually, the less you work at it, if you set up something simple, the better your returns can be. So those are just some investing myths, but we could go on forever. Lesley Logan 11:13  Oh my gosh, okay, you said a lot of words that I think, I know portfolio, like the series, all those things. I'm like, I feel like my tax accountant is wanting to know if I have anything like that. I felt like I want to know all these things. But I do love that you're like you can learn it in a few hours. And also, I read The Psychology of Money a couple of years ago, Tess Waresmith 11:32  Great book. Lesley Logan 11:33  It's such a good book, it's really worth reading because it explains the type of emotions that some people need to get, to gain a ton of wealth are different than the type of emotions you need to keep wealth, which is a whole interesting phenomenon. But he was talking about the people who do those, like short sells and all that stuff and how it's actually quite stressful. And it's almost more of an addiction of like the dopamine rush than if they just let it sit there. It's fascinating. Okay, so let's go back a little bit, though, you mentioned like you learned all the hard ways. And I think a lot of my listeners, including, like I grew up hearing we're just not good with money and so I just kind of have that story. And one of the things that I love about the show is that like, I feel like you can change your story with just a mantra, you feel like, I know, people are crazy but I really do think that we can act as if, what was it like for you to go from making mistakes? What did you have to do that you have to tell yourself to kind of become the person who is like sitting here, you're so knowledgeable, I can't even imagine you didn't know how to invest money at a time. So like how did you bridge that gap? Tess Waresmith 12:38  Yeah, so I'll tell you a little bit about the story of what happened and how and why that was a catalyst for me bridging the gap. So I have to say that I have to owe some of this to the universe, setting me off in the right direction and kicking me down so far that I was so pissed that I had to learn. But basically what happened was, in my mid-20s, I was very privileged to get a full athletic scholarship to college. So I will say that, you know, a lot of my financial success, I got to start from a place most people don't, most people have some kind of debt. So I was able to get my first job, which was actually as an aerial acrobat on a cruise ship. And I promise this is relevant to money in a moment. And so that job was really interesting, because I worked on a cruise ship, and everything was paid for. So my food was paid for, accommodations, I didn't ever, I didn't have any of these things. So I was able to save a lot of money and I grew up with a huge fear of money because I grew up being told like we don't have enough money for that, you have to be careful about that, over and over and over. So money was always a scarce, fearful thing for me. So that's why to answer your question about investing in your 20s, I knew enough to know that I should be doing that because I was afraid enough of not having enough money that I knew that that was a thing I needed to do. But I didn't know how to do it. And so once I saved some money working on the cruise ship, I ended up trying to read some books about investing. They were really overcomplicated. And so very quickly, I was like, you know what, of course I'm not smart enough to do this myself I'm gonna hire a financial advisor to do it for me. And this was somebody I trusted somebody I grew up with that was a few years older than me. And the long story short is that I gave that person my money. And over a few years time I started realizing that my returns weren't that good. I started looking at what I was invested in and saw that some stuff looked very similar. And what I ended up discovering is that they'd sold me financial products that were better suited for people in their 50s, that there were duplicate investments in my accounts that were basically stacking fees and that the fees that I was paying her were astronomical that were costing me thousands of dollars a year and I didn't even realize it because it's built in to the way that you invest with some financial advisors. What they do is they charge what's called AUM, assets under management, which basically means they take a percentage of the money you're investing with them, regardless of what happens in the stock market. And so at that point, I had started investing all my money from the cruise ship. And years later realized that I was hemorrhaging money in fees. But it's not easy to see that because it doesn't come up in the statement, it doesn't really, it's not easy to see if you're working with a financial advisor, you're listening to this, you're like, am I paying fees like don't feel bad, no shame, because this information is so hard to find. And the industry is built in such a way where it doesn't make it easy to understand, which is good for them. Because they want you to feel like it's complicated so you don't learn how to do it yourself and you pay someone else to do it. That's part of the whole game. So and I will say, by the way, not all financial advisors are crooks, there's some great ones out there. But either way, you still need to learn the basics, because otherwise, what happened to me could happen to you. So after all of that happened and I went in a shame spiral, and I was super, super upset. I went back to my core values. And something I did years ago, was create a list of core values of values that I wanted to live by. And one of them was everything is figureoutable. And I realized and Marie Forleo says, I can't steal, I can't I have to give her full credit for that one. But I love that one. Because it's really true, right? Especially with the internet, resources, good people that want to help you, there's always a way to figure out something. So I was sitting there going like there has to be a way for me to invest without spending thousands of dollars to pay somebody else to get me average returns. And so I did all this research, and I talked to millionaires. That's a key one, I talked to people that were already doing it. And I asked him like, how do you invest? And a lot of them are like, Oh, it's really simple. I just invest in like these funds that hold a bunch of stocks and I leave it alone. And I'm like, that, that's it? That's, that's the whole thing? And I kept hearing the same message. And then I read books, and I took courses. And I looked at data. And then what I realized, after all this research, and I kept trying to prove myself wrong, I'm like, there's no way it can be this straightforward. And it is. Because at the end of the day, the stock market is too complex to try to time there's no crystal ball of what's going to happen. So the best strategies are really to oversimplify this, to buy a bunch of it, put your eggs in a bunch of different baskets and buy and hold. And there's easy ways to do that. There's easy investments you can buy that hold hundreds or thousands of stocks at once, you don't have to stock pick and you hold them over time. And that's pretty much it. Like obviously, there's a little more detail to get started. But that's the strategy. It's buying and holding funds over a long period of time. So that's really it. Lesley Logan 17:28  That's what I learned in that book that we were talking about earlier. He's like, if you can just like, let it live there, what it has proven is if you let it live there for 10, 15, 20 years, everything eventually, like even if it goes up and down, up and down, it always sort of ends up.Tess Waresmith 17:42  Exactly. No, it's that, you nailed it, right? Like it's not more complicated than that. So that's really what happened. So I think being so committed to the idea that there has to be a way to figure it out, led me to the right information. And now I'm just so jazzed to share it with people. And the hardest part is not teaching people how to invest, it's getting them to believe that they can do it and it's not going to be that hard, and it's not going to be as complicated as they think. But that's the biggest hurdle for me as an educator.Lesley Logan 18:09  You know, you're 100%, right? Because I'm sitting here and you're like saying how simple it is, I'm like, oh my gosh, like maybe I should be moving that $500 investment into this account. And I should be doing it over here. And then next notice, do I even know how to do that? Do I have the time? I'm not sure. Maybe it's not safe to move it? Maybe I should just leave it because just that like, I've already talked myself in and out of it. So I do, I do agree like it's getting us to believe it's possible, and that we should be part of it. And I find like, you know, when I was in a mastermind and we brought someone in who was talking about wealth, and it was a husband and wife and they're talking about how they built wealth, how they invest in their wealth, how simple it is, like she, the wife even creates a group or they bring people in and talk about what you can invest in. And then you're like, one of these special people who can be one of the first people to invest and I was like, oh, I want to be in that group. And one of the girls sitting next to me, she's like, oh, I don't deal with any of this. I just let my husband do it. And I was like, what if your husband dies? What if he loses his job? What if like, he leaves you for someone younger? Like I just, like my head went like, you know what I mean? So I said, I'm feeling very hypocritical because I'm not actually doing a lot of investment myself. But like, I, if you're listening to this, and you're like, oh, my partner takes care of it, there's just this like fear inside my body for you. You do need to be part of that conversation. You do need to know and I find like, I coach a lot of women, and we have several of them that their husbands have said hey, I'm gonna end this marriage and they're having to start from scratch and everything and I'm like, and they, there just isn't enough awareness around that financial stuff that I'm like, ah, that's, that is like, I don't ever want to end up in that space either. Tess Waresmith 19:56  Lesley, I don't even know if we're on each other's email list, but I literally wrote an email today that said, when she told me my husband when my husband discouraged her to start investing, and I wrote an email literally today went out this morning, about how many conversations I've had with women over the last few weeks that are around this theme of saying, like, either their partners, like I don't need to learn that we have an advisor, or oh, you don't need to learn that I know how to do it. And by the way, like no shade, but a lot of times, men have pressure to know this stuff, but they might not actually know as much as you think. So no one should ever discourage you from learning this stuff for yourself because exactly what you said, Lesley, the majority of women I work with, and I'm super sad to say this are women that are going through some kind of separation or trauma or their husband is sick, and that's when, you know, shit hits the fan, and they're like, oh, crap, now I have to learn this, and my heart breaks for them because the last thing I want for any woman is to on top of the grief and depression, whatever, like other challenge in life, things they're going through, is then having to spend time figuring out how to manage their money and investments. So I'm so glad you brought this up because it is a real problem. I hear it a lot. And even from women that are motivated to learn, well, they'll be discouraged and, you know, the uncomfortable thing that I don't want to say is, to me, it feels like either an unconscious or some subconscious form of control. And I hate that. So you know, if you have any desire to learn, one, you're totally capable of it. And it's not as hard as you think. And I'll say that, and I will, I will do everything I can to prove it to you that that is true. But also, that's a massive red flag. And if anything, if you are partnered and your partner knows more than you, if you learn more together, you can make more intelligent financial decisions, you can reach your goals faster together, it'll be more fun. There's so many benefits of learning. And I end up working with a lot of couples. My coaching is I do focus on women because I want to create safe spaces for women to feel comfortable talking about money. But a lot of times husbands will join, I'll ask the group is it okay if we have somebody join and those couples love it because then they're on the same page, they're speaking the same language, it's a really powerful thing to do with your partner, to really get a handle on what your financial goals are, and learn together, it can change everything.Lesley Logan 22:21  Yeah. Yeah, it's, it's really true, like one of my dear friends, she actually decided to leave in her partnership and it's because of the investments she made that she could afford to make those decisions, too. So she wasn't stuck in a relationship that wasn't serving her or him, you know, so I think like, the more educated you can be, and I love that you said like, if you're a couple, I'm not saying everyone's gonna end their marriage, guys, I fully believe them. We have mine forever and ever. Not always. But also, like, it's true, it can be more fun, and you can grow it together. And there can be even more that you give. And I find like so many people want to give their children everything that they didn't have. And there's a lot of extra parenting and (inaudible) that's going on there but if you can actually, like have more fun building wealth, and you can pass it off to your children, that's even, that's a big, that's huge.Tess Waresmith 23:08  It's massive.Lesley Logan 23:09  Oh my gosh, I like so look at my friend's wedding. Oh, my God, you do have? Can you like throw a girl a bone? You know, but like, so we, one of the things, one of my biggest goals was like buying this house, because there's a couple things that I wanted to invest in. I had some money that I could invest, but I had, they're like, you have to be a homeowner. And I was like, oh, another obstacle, I just want to invest in this thing. But now we're homeowners officially. So now I'm like, okay, I can belong to the big girls club over here.Tess Waresmith 23:39  Yeah, yeah. And I think the point about learning so that you can teach your kids or even your friends' kids, I you know, I don't have kids yet. But I just yesterday, there's a lot of good things it's been a good week of money wins. But yesterday, I helped a good friend of mine open a 529, which is an investing account that you can open for your kids that helps you save and invest money for college. And what's cool about it now is that the rules have changed. Even if you don't if your kid doesn't use that money for college, you can actually roll it over to a retirement account for them to get a jumpstart. So that's super cool tool. It's called a 529. I'm happy to share a link of where you can learn a little bit more about that. Lesley Logan 24:19  That's cool. That's so fun. That's really awesome, I have nieces and nephews. I'm like, hold on. Well, I need to send them because like, I love that also, they don't have to go to school because like to get it like you could put it into a retirement account and stuff like what a, because also we've learned, like, do you need a college degree anymore and we don't know.Tess Waresmith 24:38  And so what was cool is that I told her she was like, oh, I don't want to do that because I don't know if my daughter is gonna go to college. I said no worries. If you don't, you can up rollover up to $35,000 of this money into a Roth IRA, which is an IRA stands for Individual Retirement Account. And it's that's a great investment plan for retirement. And so we opened it, and she told her daughter about it. And within a half an hour her daughter came running back to her and was like, I have $13, can I add this to my money in that account? And that almost made me cry, because like that small, like behavior change of understanding, like, oh, instead of like spending this money, I can put it in this thing that's gonna make more money. She's eight years old, like, that's awesome that she's getting that messaging now. And that could change her life. So I always tell people too, even if you're not interested in investing, you need to be investing to help the next generation of girls, because just a very small piece of information or a small gesture. You know, I just opened that account and I put 100 bucks in it for, not, you know it took me 15 minutes but that could change the direction of her life not because of the money, but because she understands the concept of investing to make her money work for her. So that's so powerful and those are the types of tools that are so worth learning.Lesley Logan 25:55  I have so many chills, I have so many chills. Okay, so one of the things that you like you, you said, is like helping women believe in that they can invest? What are some of the things that you, that, how do you work with women? Like, is this like, do we read your email and do like a blog is or like, how do we learn more with you? Because obviously, like, I'm wanting to sign up. Like, what is? What does it look like? And like, what if someone is like, I'm so nervous, like, what's the bare, you know, like, I know, for my listeners, like some of those, like, I just want to like, be it till I see it a little bit like what's the, how do we start, like a little baby, dip our toe into it? Tess Waresmith 26:35  Sure. So I'll give you a few options, depending on if you want to dip your toe or jump in the deep end. So if you want to dip your toe, I share a ton of free investing information on Instagram and Tiktok @wealthwithTess, one word, @wealthwithTess. So on Instagram, I share a lot of stuff, I also have a free and this is my favorite guide I've ever created. It's a free savvy investor starter pack. So it's just a guide that you can download. It's a PDF download. But in the starter pack, I have four steps that you can walk through to start to figure out how you're going to invest and to break down some of the concepts that are most confusing because the most common question I get is, where do I start? So I created this guide to help you with that. So the guide walks through four different steps, including how to figure out how much money you might want to have in retirement, how to think about your expenses to start creating a gap for investing, you know, a gap between your income and your expenses to start investing, because obviously, you need some money consistently. And then in there, I also talk about high-level, what types of accounts are out there for you and then what types of investments you can start looking into that are really simple. So that is all in that guide that's at moneyconfidentcoach.com/savvy and in the savvy investor starter pack, I also have a video of the eight common investing mistakes I see people make and I made all of them. So if you want to avoid all the mistakes I made that guide is going to be the best place to start. So both of those are totally easy ways to learn. And then from there, I host free free investing workshops all the time. So there's tons of information that you can get for free. If you follow on Instagram or download that free guide. Those are the two best places to start if you just want to dip your toe. But then the way that I work with women is mostly in a small group setting, which is my favorite way to work with women, I have a small group coaching setting that includes a online program. And what I love about the small group is that everyone realizes they're all in the same boat, that everyone feels behind, that everyone feels overwhelmed by the jargon, and it creates just this awesome vibe of learning and a safe space. And it's awesome. And so that program goes for about a month. And by the end, you know the basics of how to open your own accounts and how to choose investments. It doesn't take long, it doesn't take months or years. We're talking one month, the program right now is four weeks long. And by the end, women are part of a great group, and they know how to choose their own investments. So it's pretty cool. And yeah, I'm just super, I feel super grateful to be doing this work because it's awesome to be able to make an impact in that short amount of time. Lesley Logan 29:16  Yeah, that's huge. Okay. So I have one more question before we do the Be It Action Items and it's more a little selfish, but also like just something that's like still rolling in my head I felt I felt like maybe some of our listeners the same way. So I have a Roth IRA. I have it with some person I met, and it just is money that goes out the 18th every month. And I'm one of those people who like doesn't really log into my statement that often because I don't know. It just feels a little depressing. Sometimes. It's like, you want to see it grow faster than it is. A. you said like there's a certain fee that you were getting that you weren't aware of how do I find out if this person is actually like the best for me and if I figure out like if I do an interview with them. I don't know if that's a thing. And if they're not like, do I keep the Roth IRA with them? Do I stop and put the money on that? Like, what do you think is the best for people who are like, I'm afraid that the person who's doing my thing is not as good as I want them to be?Tess Waresmith 30:12  Yeah, so there's two directions, you can go here. But the first direction I would say, is and, unfortunately, this takes a little bit of time, but not a lot of time, is to get a basic education yourself, like either work with somebody like me, that's going to teach you the basics of investing so you can actually understand how they're investing your money, that's the best route to go. Because then you can really vet if they are actually, once you understand how the stock market works, what the basic returns are, and simple ways to invest that you could do on your own, then you can evaluate that against what they are doing for you. But there's a few things I would want to know right away, you know, regard if you don't have time to take that route, for whatever reason, what I would say is things you want to understand are number one, what is the fee, so what is the percentage, they're charging you assets under management. So most financial advisors work on this basis. And so whatever you're investing, they're taking out a fee. 1% is pretty standard and 1% sounds innocuous, but over time, 1% can be thousands and thousands of dollars. So for example, I just ran this math, and I'll try not to try not, to exploit everyone's brain here with math, but just to like hammer this home about how small fees can make such an impact. The basic tenets of investing are you invest, your money grows and then that larger amount compounds, and it's that snowball effect, right, that's the goal of investing is to you know, create the snowball effect with your money growing. Unfortunately, fees, do the exact same thing. So I did the math for someone the other day they had about, I think they had about 50,000 in their investing account. And they were maxing out there Roth every year at 6500, the max for to invest in a Roth IRA now is 7000. But the time we were talking it was 6500. And so we did the math, if they did that for 30 years, if they just maxed out their Roth with this 1% fee, they would end up paying the advisor $250,000 in fees over the lifetime of 30 years. 250,000 is worth a lot of money. It's a lot. So that's the first thing I would want to know is what the percentage fee is. And when they say 1% or more, that is a lot that is going to add up over time. So that's the first thing. I would also want to know if there's a platform fee. So sometimes there's another fee for using whatever platform they're investing in, I would also want to understand what type of investments they're in. So most people have heard of mutual funds. Mutual funds are, simply put, are an investment that holds a bunch of stocks. So instead of buying just Apple, you're buying Apple and Microsoft and Uber and Tesla and all these big companies in one fund. So all of those funds have fees and it's important to understand the basic fees of what those investments are. So you could ask your advisor, I want to know what your fee is, if there's a platform fee and I also want to know what the fees are for my investments. And to give you a benchmark, you can get a lot of wonderful, easy investments funds that hold, for example, the entire stock market, like you can buy a mutual fund that holds every single stock in the entire stock market. And you could just like leave it alone, that's a way to invest. That's not a bad strategy. So those funds, those have fees of like, point, 0.2%, whereas a lot of the funds I see with people that work with financial advisors can be close to a percent. So if you think about (inaudible).Lesley Logan 33:46  So my little, my little $500, my 7,000 a year is being like compounded. So it's a point where I might not be getting any money. Tess Waresmith 33:57  I mean, no, you'll, you'll definitely get some money, but your returns will be significantly impacted. So then if you're thinking, okay, well, shoot, like, I want to dive into that, but I don't know, I'm nervous about learning myself. There are a lot of other wonderful tools to invest. There are advisors that charge flat fees. So it's a one-time fee or yearly fee that's flat amount. So that's very transparent. There are robo-advisors, which are investment tools where you can put in your information and it'll automatically choose a very simple, low-fee portfolio for you. That's great. Those are companies like Ellevest does that, that's an awesome like badass women's company that helps people create their own, like automated portfolios for them. So you don't need to know anything about investing. You can just open it, they charge you like a quarter of the fees of a financial advisor. You put in your info, your birthday, your goals, and they pick a very simple low-fee portfolio for you. That's a great option. That's called a robo-advisor. And then the other option is to learn how to do it yourself and so where I fit in this ecosystem is to help you make that decision. Like, that's why I teach people the basics of how the stock market works, what your options are, and how your money can grow in simple ways, because then once you understand that, most of the time, people want to either invest on their own, or, you know, they choose a robo-advisor, that's lower fee, and they call it a day. And the type of investing that I'm talking about, which is, you know, buying and holding funds for a long period of time, you're not having to go in there and check like Lesley, you said, you don't really want to go in there, that's actually good. For most people, that's the problem is they go in and they check in and they move things around, like the type of investing that's the best is when you buy some stuff, and you hold it for a long time and you like forget it's there. Like, that's usually the best strategy.Lesley Logan 35:48  The natural way of doing it is gonna be the best way I'm in. Tess Waresmith 35:50  Yeah, totally. Lesley Logan 35:52  You are awesome. Thank you so much for all this, we're gonna put all those links in the show notes, including your guide. But before I let you go, you've given us so, so many great things. I could talk to you for a couple more hours, but bold, executable, intrinsic, targeted steps we can take to be it till we see it. What do you have for us?Tess Waresmith 36:11  So the first thing that I really want to make sure that everyone does is journal on your relationship with money. So before we even get into investing and the tactical stuff, if you're sitting here being like, this all sounds great, Lesley and Tess, but I don't feel like I can do that. The first thing I want you to do is think about your relationship with money. And you can ask yourself questions like how do I feel when I transact money? Do I feel like there's a limit on how much money I can make? Do I feel like there is an opportunity for me to make more money or not, you know, those kinds of questions are really important. Do I think I'm capable of learning how to invest? If the answer is no, shoot me a DM and I want to talk to you because you're absolutely capable of it. But that is honestly the most important thing that I want you to do is to think about your relationship with money. And if somebody has told you some things about money, or you believe it or you're sitting there saying I don't think I'm good with money, are you not good with money? Or have you just not learned anything about money yet? Because those are two very different things.Lesley Logan 37:13  I love this extra juice. You all have to do it because I think it was at the end of the last year Brad and I we were doing a thing and the guy was like your homework today is to write a letter to money and maybe an apology letter maybe it's hey longtime friend, it's been a while, maybe, maybe you're angry and you never told money how angry you are, like you got and I wrote this letter it was the craziest thing that came out of my like head about money and there was like things I was mad about but then there's things I was like sorry about it was a whole thing. And it truly was like a load off. And I didn't think I had a bad, like I love money, like I do. There's a money rampage I listen to, Abraham Hicks, you guys, like every day, like I, it's my favorite. Five minutes on like getting my money mindset, right. But it was really interesting how like, I like push it away. (inaudible) Like it's not like it's like gets to be my best friend at lunch. And so it's I love this action. And I'm so excited for you all to do it. And you have to tell Tess and I how it goes because we want to know. So share this episode, y'all. I'm really, this is really important. If we could all if every listener shared this with a female friend, can you imagine like the power that the change that would have would have on just the family members of the women around not alone the domino effect will have in this country and around the world because I do think that there has been a lot of generations of like, ladies don't have to learn about money. And it is it is a problem. It's why we have a wage gap. It's why we have wealth gaps. And it's and if we can actually change that then we don't need to lean on people who know more than us. And air quotes we can actually like make decisions for ourselves and we can go after things we've always wanted to. So Tess, thank you for opening our eyes. We're gonna talk to you again, I'm sure because I'm obsessed already. And until next time, everyone, Be It Till You See It.That's all I got for this episode of the Be It Till You See It Podcast. One thing that would help both myself and future listeners is for you to rate the show and leave a review and follow or subscribe for free wherever you listen to your podcast. Also, make sure to introduce yourself over at the Be It Pod on Instagram. I would love to know more about you. Share this episode with whoever you think needs to hear it. Help us and others Be It Till You See It. Have an awesome day. Be It Till You See It is a production of The Bloom Podcast Network. If you want to leave us a message or a question that we might read on another episode, you can text us at +1-310-905-5534 or send a DM on Instagram @BeItPod. Brad Crowell 39:49  It's written, filmed, and recorded by your host, Lesley Logan, and me, Brad Crowell. Lesley Logan 39:54  It is transcribed, produced and edited by the epic team at Disenyo.co. Brad Crowell 39:58  Our theme music is by Ali at Apex Production Music and our branding by designer and artist, Gianfranco Cioffi. Lesley Logan 40:05  Special thanks to Melissa Solomon for creating our visuals. Brad Crowell 40:09  Also to Angelina Herico for adding all of our content to our website. And finally to Meridith Root for keeping us all on point and on time.Support this podcast at — https://redcircle.com/be-it-till-you-see-it/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

In this episode Mira sits down with Sylvia Kwan, Chief Investment Officer at Ellevest. She shares her inspiring journey from a challenging upbringing as an Asian woman with low-income immigrant parents to becoming a trailblazer in the finance world. Sylvia discusses the importance of resilience, self-belief, and challenging the status quo, offering valuable insights into building confidence and success. Sylvia's story is a testament to the power of determination and serves as an inspiration for women and minorities in the corporate world.

Sallie Krawcheck, CEO of Ellevest, pioneers women's financial empowerment. Ellevest, a women-centric financial company, earned spots on CNBC's Disruptor 50, LinkedIn's Most Sought-After Startups, and Entrepreneur Magazine's 100 Brilliant Ideas. Krawcheck, a bestselling author ('Own It'), led major financial institutions before Ellevest. Recognized for her impactful work, she's a proud recipient of The Motley Fool's 2022 Women in Investing Awards.

Ellevest CEO Sallie Krawcheck speaks on her platform that provides wealth and financial guidance to women with Bloomberg's Jonathan Ferro and Lisa AbramowiczSee omnystudio.com/listener for privacy information.

This is Matt Reustle. Today, we are breaking down the technology conglomerate Samsung. Only Apple, Microsoft, Google, and Amazon ranked higher than Samsung in Interbrand's latest brand value rankings, with Samsung being the fifth most valuable brand in the world. It's everywhere around us: our phones, our TVs, our refrigerators, our washing machines. But, it's not those finished products that drive the majority of Samsung's profits. To break down Samsung, I'm joined by David Samra, Managing Director and Founding Partner of the Artisan Partners International Value Team. We go inside this vertically integrated technology giant and talk about the history of the business, the manufacturing DNA and what it means to create hardware components, and how those hardware components unlock significant opportunities in the smartphone market for Samsung. Please enjoy this breakdown on Samsung. For the full show notes, transcript, and links to the best content to learn more, check out the episode page here. ----- This episode is brought to you by 10 East. 10 East is a platform where qualified investors can co-invest on a deal-by-deal basis across private equity, private credit, real estate ventures, and other one-off opportunities typically unavailable through traditional channels. It's no surprise that founders, executives, and portfolio managers from leading investment firms are using 10 East to diversify their personal portfolios. Their level of sourcing and diligence is institutional grade. To learn more, check out 10east.com. CSIMA, Columbia Student Investment Management Association, is hosting its 27th annual conference in New York on Friday, February 9th. Keynote speakers include John Griffin from Blue Ridge, Ian McKinnon from Sandia, Jan Hummel from Paradigm, and Sally Krawcheck from Ellevest. Get your tickets at csima.info/conference. ----- Business Breakdowns is a property of Colossus, LLC. For more episodes of Business Breakdowns, visit joincolossus.com/episodes. Stay up to date on all our podcasts by signing up to Colossus Weekly, our quick dive every Sunday highlighting the top business and investing concepts from our podcasts and the best of what we read that week. Sign up here. Follow us on Twitter: @JoinColossus | @patrick_oshag | @zbfuss | @ReustleMatt | @domcooke Editing and post-production work for this episode was provided by The Podcast Consultant (https://thepodcastconsultant.com). Show Notes (00:00) Welcome to Business Breakdowns (04:28) First Question - How he defines Samsung compared to other brands (09:13) Samsung's history and what led them to their capabilities today (13:59) Unique growth and shared gains in the semiconductor industry   (18:08) Where Samsung compares to other chips in the semiconductor space  (22:08) Risks moving into other chip production areas  (25:53) The disparity in margin profile between divisions  (31:29) Potential for local competitors to bring chips into the market  (32:48) How he thinks about growing the barriers to entry for the separate businesses    (35:15) Leaving the handset business  (36:31) How he thinks about the business on a consolidated basis  (41:19) Risks associated with the business (44:09) The regulatory climate in South Korea  (48:33) Things he learned from studying Samsung Learn more about your ad choices. Visit megaphone.fm/adchoices

**Click here to be a founding member of the So Money Members Club**Today's show: Investing advice for entrepreneurs, how to secure life insurance, socially responsible investing tips, and how to best manage a low-performing pension.Some resources mentioned on the show: Morningstar Sustainability Ratings, Sustainalytics, WealthSimple, Betterment, and Ellevest. Hosted on Acast. See acast.com/privacy for more information.

You never own a Patek Philippe, you merely watch over it for the next generation. I'll say it's the best marketing campaign in history, a campaign appropriate for the world's premier watchmaker and a watchmaker worthy of a Business Breakdown. Our guest today is John Reardon from Collectability. John has worked at Sotheby's, the auction house, and spent a decade at Patek Philippe in the early 2000s. He continues to write for Patek Philippe Magazine while he has launched Collectability, a brand dedicated to vintage and preowned Patek Philippe. We cover what makes Patek such a special brand. There is an almost 200-year history in craftsmanship and countless patents (like that self-winding mechanism that powers all automatic watches today.) What Philippe Stern did in 1989 could be worthy of a 10-episode series, so there is much to learn from this episode. Please enjoy this breakdown of Patek Philippe. For the full show notes, transcript, and links to the best content to learn more, check out the episode page here. ----- This episode is brought to you by 10 East. 10 East is a platform where qualified investors can co-invest on a deal-by-deal basis across private equity, private credit, real estate ventures, and other one-off opportunities typically unavailable through traditional channels. It's no surprise that founders, executives, and portfolio managers from leading investment firms are using 10 East to diversify their personal portfolios. Their level of sourcing and diligence is institutional grade. To learn more, check out 10east.com. ----- CSIMA, Columbia Student Investment Management Association, is hosting its 27th annual conference in New York on Friday, February 9th. Keynote speakers include John Griffin from Blue Ridge, Ian McKinnon from Sandia, Jan Hummel from Paradigm, and Sally Krawcheck from Ellevest. Get your tickets at csima.info/conference. ----- Business Breakdowns is a property of Colossus, LLC. For more episodes of Business Breakdowns, visit joincolossus.com/episodes. Stay up to date on all our podcasts by signing up to Colossus Weekly, our quick dive every Sunday highlighting the top business and investing concepts from our podcasts and the best of what we read that week. Sign up here. Follow us on Twitter: @JoinColossus | @patrick_oshag | @zbfuss | @ReustleMatt | @domcooke Editing and post-production work for this episode was provided by The Podcast Consultant (https://thepodcastconsultant.com). Show Notes (00:00:00) Welcome to Business Breakdowns (00:04:21) First Question, The main differences between Patek Philippe and Rolex   (00:08:12) An introduction to Patek Philippe's brand  (00:10:27) The founding story of the business (00:12:54) Henry Graves and the watches that he made for the brand  (00:18:26) The production process for making a Patek Philippe watch (00:21:36) A look at the 1989 and its importance to the business (00:23:48) The types of people who were interested in the brand and purchasing at auction in 1989 (00:26:21) An overview of the successful marketing campaigns of the 1990s  (00:29:06) Patek's strategy at auctions, embracing both consignment and buying (00:32:18) The general size and scope of the Patek Philippe secondary market (00:34:00) The brand's perspective of the secondary market and whether it affects the way they market new items (00:38:27) John's personal experience working at Patek Philippe  (00:42:16) The company's distribution strategy   (00:45:22) Breaking down the points of sale, branded dealers versus authorized dealers (00:46:09) The mindset behind consolidating dealers and the exclusivity it created as a byproduct  (00:48:02) How the LVMH acquisition of Tiffany has affected Patek Philippe (00:50:58) The potential of Patek Philippe being acquired by another company (00:55:28) Lessons learned from Patek Philippe Learn more about your ad choices. Visit megaphone.fm/adchoices

In this conversation, Julia interviews Sallie Krawcheck, the CEO and founder of Ellevest, about the economy, the role of women in finance, and the retirement crisis. Sallie shares her assessment of the economy and markets, emphasizing the importance of long-term investing and the historical growth of the stock market. She also discusses the significant impact women had on the economy in the past year and the growth of Ellevest as a platform for women's wealth-building. Sallie reflects on her initial skepticism about starting a women-focused investing firm and the importance of overcoming imposter syndrome with a growth mindset. The conversation concludes with a shared love for their alma mater, UNC, and a reminder to support and promote women in finance. Takeaways Long-term investing in the stock market has historically delivered strong returns, making it a scalable way to build wealth. Women played a significant role in the economy in the past year, defying stereotypes and embracing their spending power. The retirement crisis disproportionately affects women, who have less wealth and live longer than men. Women tend to be better investors than men, as they are less likely to panic and trade frequently. Men have a crucial role to play in advancing gender equality and supporting women's financial empowerment. Chapters 00:00 Introduction and Gratitude 00:46 Assessment of the Economy and Markets 03:12 The Role of Women in the Economy 04:48 Update on Ellevest 07:33 Sallie's Initial Skepticism and Change of Perspective 10:26 The Retirement Crisis and its Impact on Women 12:48Women's Investment Behavior and Performance 16:02 Regional Banking Crisis and Risks 20:01 Incentive Structures for Bank Executives 20:48 The Role of Men in Advancing Gender Equality 23:57 Overcoming Imposter Syndrome with a Growth Mindset 25:33 Shared Love for UNC and Closing Remarks

This week we are REPLAYING one of our TOP episodes of 2023! Listen in this week to Salllie Krawcheck, Founder of Ellevest live from our Doers and Disruptors Conference.Thank you to my sponsor, Factor!Head to FACTORMEALS.com/girlfriends50 and use code girlfriends50 to get 50% off. —————————We want to hear from you!Shoot an email over to welcome@thegreatgirlfriends.com or drop a DM directly to Sybil ON IG @sybil_amutiFollow now

Sallie Krawcheck is the CEO and co-founder of Ellevest, a digital financial platform for women that has over 3 million clients and $1.5+ billion in assets under management. She has valuable insights into how we can expand our reach to a more diverse generation of clients.Sallie discusses her journey to founding Ellevest, why we need greater diversity in the financial industry, the impacts of technology on the business of giving financial guidance, and why she hates the word “empowered.”Follow Sallie Krawcheck on LinkedIn...Allianz Life Insurance Company of North America (Allianz) and Allianz Life Financial Services, LLC are not affiliated with Ellevest or our guest. The link to the podcast guest's website is being provided as a service to you. Opinions expressed by the podcast guests are not necessarily those of Allianz or its affiliates. Please note that the information and opinions are provided by third parties and sources believed to be reliable, but accuracy and completeness cannot be guaranteed. The information is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual's situation.Allianz Life Insurance Company of North America has been keeping its promises since 1896 by helping Americans achieve their retirement income and protection goals with a variety of annuity and life insurance products.Allianz Life Insurance Company of North America (Allianz) does not provide financial planning services.This content is for general educational purposes only. It is not intended to provide fiduciary, tax, or legal advice and cannot be used to avoid tax penalties; nor is it intended to market, promote, or recommend any tax plan or arrangement. Allianz Life Insurance Company of North America, its affiliates, and their employees and representatives do not give legal or tax advice or advice related to Social Security or Medicare. Customers are encouraged to consult with their own legal, tax, and financial professionals for specific advice or product recommendations, or the Social Security Administration (SSA) office for their particular situation.Diversification does not ensure a profit or protect against loss.Guarantees are backed by the financial strength and claims-paying ability of Allianz Life Insurance Company of North America. Registered index-linked annuity (RILA) guarantees do not apply to the performance of the variable subaccounts, which will fluctuate with market conditions.Products are issued by Allianz Life Insurance Company of North America. Registered index-linked annuities (RILAs) are distributed by its affiliate, Allianz Life Financial Services, LLC, member FINRA, 5701 Golden Hills Drive, Minneapolis, MN 55416-1297. 800.542.5427 www.allianzlife.comThis content does not apply in the state of New York.For financial professional use only – not for use with the public.

Sallie Krawcheck knows a little something about the ups and downs of career turns: She began as an investment banker before becoming a research analyst, CEO, CFO, and, now, the Founder and CEO of Ellevest, one of the biggest investment platforms for women. From overcoming bias to building your own personal Board of Directors, she shares with Carolyn her best advice for planning and executing a successful career pivot. Want to improve your finances in the new year? Ellevest is offering “The New Rules of Business” listeners 10% off any one-on-one financial planning session with the promo code BUSINESS. Offer ends on Jan. 31, 2024.

“Risk-averse means you don't want to take a risk; risk-aware means you're willing to take it if you understand it." - Sallie Krawcheck  Sallie Krawcheck is the visionary CEO and co-founder of Ellevest, an innovative investment platform focused on empowering women financially. Since its creation in 2014, under Sallie's leadership, Ellevest has achieved remarkable milestones, including managing over $1.8 billion in assets and fostering a vibrant community of 3 million members​. Before this success, Sallie was the head of Bank of America's Global Wealth and Investment Management division. In this episode of Entreprenista, Sallie shares with us her iconic yet unconventional journey from aspiring to be a princess to making a significant impact on Wall Street, and eventually becoming a successful entrepreneur. Sallie candidly discusses her initial struggles and biases faced in the male-dominated world of investment banking. Despite overt sexism and many challenges faced, her dedication to women's financial empowerment remains unwavering, and she continues to inspire and lead initiatives aimed at helping women reach their financial and professional goals​​. tune in to this value-packed episode with Sallie Krawcheck of Ellevest to hear more about her journey from Wall Street to Ellevest! We talk about:  Perseverance and endurance when seeking goals  Leveraging a journalism background and analytical skills to excel  Leading major companies like Merrill Lynch and Smith Barney. The importance of networking and warm introductions   Seeking investors who align with your vision  The necessity for financial education and empowerment amongst women  Startup mistakes and growth strategies  Finding a co-founder and structuring roles and responsibilities  Gender differences in investing and curating a personalized approach  Financial control and decision-making in relationships Financial wellness and raising capital for women Connect with Sallie Krawcheck Ellevest  Sallie on Linkedin Sallie on Instagram    Members of our Entreprenista League get access to live Office Hours with top founders that have been on our show! Join the Entreprenista League today at entreprenista.com/join. We can't wait to welcome you, support you, and be part of your business journey! Are you ready to make meaningful business connections that lead to real business results?  Join our Entreprenista League community of women founders! You'll have access to a private community of like-minded Entreprenistas who are making an impact in business every day, special discounts on business products and solutions, exclusive content, private events, the opportunity to have your story featured on our website and social channels, and MORE! Whether you're looking to scale your existing business and want to make the right connections, or you're thinking about finally taking the leap to launch your business, we're here to give you access to a community of women who will celebrate and support you every step of the way.   Join the Entreprenista League today at entreprenista.com/join. We can't wait to welcome you, support you, and be part of your business journey! Become An Entreprenista!  Thanks for tuning into this week's episode of The Entreprenista Podcast - the most fun business meeting for women founders and leaders. . If you enjoyed this episode, please subscribe to the show and leave a review wherever you get your podcasts. Apple Podcasts | TuneIn | Spotify | Stitcher | iHeart Radio | GooglePlay  Be sure to share your favorite episodes across social media to help us reach more amazing female founders, like you.

Welcome Karina Martinez, Co-Founder of the first platform for Latina & women's sports, called  DRAFTED, where she is harnessing the power of the Latina Sports FANDOM, where more people feel seen and heard in the world of sports, by the heartbeat that pounds throughout stadiums, arenas, muddy fields, and playground courts with no nets. She is helping fuel the heroes of yesterday, and finding our future ones. The Women's World Cup has put us on the map... GLOBALLY. The opportunity for women's sports and to INVEST in women's sports is NOW.. Why? Our viewership is now everything.  With the advent of streaming apps, YOUTUBE,  and social media, you can see EVERYTHING happening in the biggest arenas of sports. You could say, the women's world cup and the WNBA has really put us on the MAP as far as global sports revenue to be generated and TRACKED with significant growth. We have diffenitiely been showing up bigger. A recent stat posted June 2022 to June 2023, there was a 22% increase in the number of females aged 18-24 who visited a sports website or app, more than any other age and gender breakout1. This is happening as women's sports are becoming more mainstream, with new leagues, more investment, increased screen time, and more marketing for brands. Ellevest, recently stated, "we are having a watershed moment  for US to invest as we are changing the dialogue on how we want to spend our money." Gracias Karina!  #playuntiltheycantlookaway. This podcast is supported by Latinas &  Power, a network of thousands of Latina Professionals and Entrepreneurs from Across the United States that are ready for leadership opportunities. Join today or inquire about their Latinas In Leadership Institute @ Latinasinleadershipinstitue.com  Production and Design for this podcast is by Theresa E. Gonzales , Founder of 5-E Leadership and Marketing. Audio Engineering and Design by Robert Lopez of CratesAudio.  For more information about this podcast or sponsorship opportunities, go to infor@Latinasb2b.com and get in touch with us. Please follow us on our YOUTUBE CHANNEL @LATINAS B2B and follow us on all social media at @Latinasb2b. To stay current on our events and workshops, sign up for our newsletter at Latinasb2b.com.  Thank you for your continued support and sharing this podcast. 

Sallie Krawcheck, CEO and Co-Founder of Ellevest, spent many years on Wall Street making “big calls on big stocks” as one of the top analysts in the industry, then climbed the ranks further through the highest echelons of financial services. She sits down Inside the ICE House to share her story of working, and winning, in a male-dominated environment, and how her experience led her to the founding of Ellevest, which offers the only investing algorithm centered on women and growing their wealth.    Inside the ICE House: https://www.theice.com/insights/conversations/inside-the-ice-house

What's life really like at the top of a $30 billion healthcare company? While many might find the prospect of serving 300 million patients around the world daunting, Ashley McEvoy, Worldwide Chairman of Johnson & Johnson MedTech, sees it as a privilege. While at the helm of J&J MedTech, her impact has been significant: she has tripled its revenue growth since 2017 and spearheaded its entrance into telehealth, robotics, and digital surgery. At a time when senior executive tenure is often short, Ashley has carved out a career at J&J MedTech spanning almost three decades—all while maintaining an unwavering passion for providing the very best care to patients when they need it most. In this fascinating episode of Redefiners, Ashley lifts the lid on how J&J MedTech is transforming how it delivers care to patients with the help of AI, why being an exceptional listener should be in every leader's toolbox, and why your inner voice is the most powerful voice of anyone in the world. It's a conversation you don't want to miss. We'll also hear from Fawad Bajwa, a Managing Director in our Toronto office. He'll outline how generative AI tools like ChatGPT are changing the game for leaders, and how great leadership is critical to its successful implementation. Click HERE to access our report How will ChatGPT and other generative AI impact leadership? If you enjoyed this interview, you might also like these Redefiners episodes:• Risk-taking and Dealmaking with Global MedTech Leader, Kevin Lobo• Confessions of a Serial Entrepreneur with Mario Schlosser, CEO and co-founder of Oscar• Break the Bias: Closing the Gender Wealth Gap with Sallie Krawcheck, CEO and c-founder of Ellevest 

Wine: 2014 Chardonnay, Herencia del Valle Elisabeth Rosario is an outsourced communications strategist that works with startups of all sizes and venture capital firms. As an independent contractor since 2016, her clients have included venture firms such as: Lux Capital, Renegade Ventures, Spero Ventures (sole LP is Pierre Omidyar), Equal Ventures, RRE Ventures, and Innovation Endeavours (founding partner Eric Shmidt). Startup clients have included: Sonoro, Koinz, Pattern Brands, Pitch, ServiceTitan, Own It (a book) by Ellevest's Sallie Krawcheck, Emi Couple, Token, Flutterwave, Morty, Looking Glass Factory, Eight Sleep, Dipsea, Loft Orbital, and more. Previously, Elisabeth was the Director of Communications at Spark Capital, an early stage venture capital firm that has backed companies like Twitter, Oculus VR, Slack, Warby Parker and Cruise Automation (acquired by GM). As the firm's first in-house communications hire, she helped startup founders and the firm's investment team to develop and share their points of view with the world. She also helped to lead platform initiatives with the firm's community of entrepreneurs: building infrastructure, resources and programming to empower and connect over 100 portfolio companies. Before that, Elisabeth was a key part of the growth of various PR agencies where she led media relations campaigns for over 100 disruptive entrepreneurs and startups including Rakuten's Buy.com, Trello, ClassPass, HowAboutWe, HelloFresh, Squarespace, Zola and Academy award-winning sci-fi film Ex Machina. In 2015, Adweek named Elisabeth on its 30 Under 30 in the PR Industry list. In 2018, Bustle named her on their list of Must-Follow Latinx. She's a graduate of Baruch College's Zicklin School of Business. Instagram TikTok Learn more about your ad choices. Visit megaphone.fm/adchoices

Why does the wage gap persist, despite both legislation and a cultural shift that encourages women to participate in the workforce with the fervor of a thousand exploding suns? The gap has barely budged over the last decade or two, stagnating somewhere in the low 80% range. I had to crawl into some objectionable online spaces that are expressly “anti-women” to find out (so you don't have to!)…and the consensus I found there was dizzying. I'm also joined by Ellevest's CEO Sallie Krawcheck—and, I have to say, this conversation is a must-listen. Transcripts can be found at podcast.moneywithkatie.com — Mentioned in the Episode Economic historian Claudia Goldin's work: https://podcasts.apple.com/us/podcast/women-at-work/id1336174427?i=1000403279400 US Bureau of Labor Statistics data on the wage gap: https://www.bls.gov/opub/ted/2022/median-earnings-for-women-in-2021-were-83-1-percent-of-the-median-for-men.htm BLS "time use studies": https://www.bls.gov/news.release/pdf/atus.pdf Harvard study on the dynamics of the gender wage gap: https://scholar.harvard.edu/files/goldin/files/dynamics_of_the_gender_gap_for_young_professionals_in_the_financial_and_corporate_sectors.pdf US News ranking and methodology for countries and gender equality: https://www.usnews.com/news/best-countries/articles/methodology Parental leave data from the Organization for Economic Cooperation & Development: https://www.oecd.org/els/soc/PF2_1_Parental_leave_systems.pdf BLS employment characteristics from 2022: https://www.bls.gov/news.release/pdf/famee.pdf Pew Research on stay-at-home parents in the 1970s: https://www.pewresearch.org/social-trends/2014/04/08/after-decades-of-decline-a-rise-in-stay-at-home-mothers/ Cosmopolitan essay from Laura Kipnis on why maternal instincts are BS: https://www.cosmopolitan.com/sex-love/a37568/why-maternal-instincts-are-bs/ — Follow Along at Money with Katie: https://moneywithkatie.com/ Watch on YouTube: https://www.youtube.com/@MoneywithKatie Follow Money with Katie! - Instagram: https://www.instagram.com/moneywithkatie/ - Twitter: https://twitter.com/moneywithkatie   Subscribe to The Money with Katie Newsletter - Sign up for free today: https://www.morningbrew.com/money-with-katie/subscribe/2 Follow the Brew! - Instagram: https://www.instagram.com/morningbrew/ - Twitter: https://twitter.com/MorningBrew - TikTok: https://www.tiktok.com/@morningbrew Learn more about your ad choices. Visit megaphone.fm/adchoices

Sallie Krawcheck is the CEO and co-founder of Ellevest, an investing and wealth management company built by women for women. In a sea of financial services sameness, Ellevest stands apart with its mission to get more money in the hands of women. Prior to Ellevest, Krawcheck was one of the only financial executives of her generation to have held C-suite roles at the largest global banks — as CEO of Merrill Lynch, Smith Barney, US Trust, and Sanford Bernstein and as CFO of Citi. Today, as a venture-funded entrepreneur, she's beat impossibly long odds to raise $144 million in venture-capital funding (women CEOs raise $1 out of every $10,000 Series B fintech dollars). Fortune Magazine has called Krawcheck “The Last Honest Analyst,” Barron's considers her one of the “Most Influential Women in US Finance,” and Vanity Fair has named her to their “New Establishment List.” In this episode of Takin' Care of Lady Business®, Jennifer Justice speaks with Sallie Krawcheck, the CEO and founder of Ellevest, an investment and wealth management company for women. They discuss the importance of financially empowering women and debunking societal myths discouraging them from prioritizing money and investing. Krawcheck highlights the difference between saving and investing, emphasizing the higher chances of positive returns with investing. They address the gender wealth gap and the impact of investing on women's financial independence, including the ability to leave toxic relationships and pursue dreams. Here is what to expect on this week's show: Unveil the secrets of how compounding can amplify your investments over time.  Learn why one size doesn't fit all in investing and why women might need to approach investing differently.  Get a sneak peek into a platform aiming to revolutionize how women invest.  How to dive deep into investments that align with your values and secure your financial future while supporting causes you're passionate about. Quotes: “We've got to change culture to recognize that money wanting money is not being unattractive or unfeminine or greedy or shrewish or ugly or any of those things.” – Sallie Krawcheck “The smart way to do it is not invest on your emotions but to invest steadily and through a sense of panic.” – Sallie Krawcheck “The past is the past. Starting today [is a] good time to start.” – Sallie Krawcheck This episode is sponsored by Medjet. Medjet is the top-rated air medical transport and crisis response membership for travelers. If you're hospitalized while traveling or your safety is threatened abroad, they get you home. Join Medjet before your next trip at Medjet.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

How do you evolve your greatest obstacle into your greatest superpower? Shellye Archambeau, Ellevest's Sallie Krawcheck, and Calendly's Tope Awotona discuss the hidden advantages of strategizing like an entrepreneurial outsider. Recorded live at the Masters of Scale Summit in San Francisco, they sit down with host Bob Safian to share lessons about questioning the status quo, maintaining confidence in the face of criticism, and orchestrating a cultural turnaround. Whether you're a budding entrepreneur or firmly established in the C-suite, the outsider's mindset has the power to inject counterintuitive creativity and dynamism into your leadership.Read a transcript of this episode: https://mastersofscale.com/Subscribe to the Masters of Scale weekly newsletter: https://mastersofscale.com/subscribeSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

How do you evolve your greatest obstacle into your greatest superpower? Shellye Archambeau, Ellevest's Sallie Krawcheck, and Calendly's Tope Awotona discuss the hidden advantages of strategizing like an entrepreneurial outsider. Recorded live at the Masters of Scale Summit in San Francisco, they sit down with host Bob Safian to share lessons about questioning the status quo, maintaining confidence in the face of criticism, and orchestrating a cultural turnaround. Whether you're a budding entrepreneur or firmly established in the C-suite, the outsider's mindset has the power to inject counterintuitive creativity and dynamism into your leadership.Read a transcript of this episode: https://mastersofscale.com/Subscribe to the Masters of Scale weekly newsletter: https://mastersofscale.com/subscribeSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Sallie Krawcheck, CEO and co-founder of Ellevest, is a Wall Street trailblazer with more than 25 years in the financial services industry. Sallie has led Merrill Lynch, Smith Barney, and Citi Private as CEO. She's been named “The Last Honest Analyst” by Fortune and one of the “Most Influential People in ESG Investing” by Barron's. She joins the show to discuss her career, what it was really like being a woman on Wall Street, how she stood out and achieved success and why she doesn't have time for imposter syndrome. We explore the gender pay and wealth gap, why women and men's attitudes are different around money, how to change limiting financial beliefs and how to build wealth. Sallie explains how to allocate money from paying off debt, to saving, to investing and so much more. Please note that this episode may contain paid endorsements and advertisements for products and services. Individuals on the show may have a direct or indirect financial interest in products or services referred to in this episode.Sponsors:Go to SundaysForDogs.com/blonde or use the code BLONDE at checkout for 35% off your first order of Sundays.AG1 is giving you a FREE 1 year supply of Vitamin D and 5 FREE travel packs with your purchase. Head to drinkAG1.com/blondefiles to redeem. Get 20% off your first purchase of Vegamour at vegamour.com/blonde and use the code blonde at checkout. New customers get $5 off Lume's Starter Pack with the code BLONDE at LumeDeoderant.comListen to Better Tomorrow every Wednesday wherever you get your podcasts!Produced by Dear Media.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

BIO Elisabeth Rosario is an outsourced communications strategist that works with startups of all sizes and venture capital firms. As an independent contractor since 2016, her clients have included venture firms such as: Lux Capital, Renegade Ventures, Spero Ventures (sole LP is Pierre Omidyar), Equal Ventures, RRE Ventures, and Innovation Endeavours (founding partner Eric Shmidt). Startup clients have included: Sonoro, Koinz, Pattern Brands, Pitch, ServiceTitan, Own It (a book) by Ellevest's Sallie Krawcheck, Emi Couple, Token, Flutterwave, Morty, Looking Glass Factory, Eight Sleep, Dipsea, Loft Orbital, and more. Previously, Elisabeth was the Director of Communications at Spark Capital, an early stage venture capital firm that has backed companies like Twitter, Oculus VR, Slack, Warby Parker and Cruise Automation (acquired by GM). As the firm's first in-house communications hire, she helped startup founders and the firm's investment team to develop and share their points of view with the world. She also helped to lead platform initiatives with the firm's community of entrepreneurs: building infrastructure, resources and programming to empower and connect over 100 portfolio companies. Before that, Elisabeth was a key part of the growth of various PR agencies where she led media relations campaigns for over 100 disruptive entrepreneurs and startups including Rakuten's Buy.com, Trello, ClassPass, HowAboutWe, HelloFresh, Squarespace, Zola and Academy award-winning sci-fi film Ex Machina. In 2015, Adweek named Elisabeth on its 30 Under 30 in the PR Industry list. In 2018, Bustle named her on their list of Must-Follow Latinx.  She's a graduate of Baruch College's Zicklin School of Business. Instagram TikTok Learn more about your ad choices. Visit megaphone.fm/adchoices

More wealth into the hands of women: That has long been Sallie Krawcheck's mission. As CEO and co-founder of the wealthtech company Ellevest, Krawcheck has devoted her career to ensuring more women are investing, earning, and are better prepared for their financial futures. In this episode, Krawcheck dives into her career journey and the setbacks that made her stronger. Listen in as Krawcheck shares stories from her time as CEO of both Merrill Lynch and Smith Barney, and CFO of Citigroup, and you'll see why Forbes ranked her as the seventh most powerful woman in the world. Learn more about your ad choices. Visit megaphone.fm/adchoices

Today on the podcast we hear from Sallie Krawcheck, Co-Founder and CEO of Ellevest, which is focused on helping close the gender wealth gap by redefining investing for women. The digital-first investment platform now has over $1Bn under management and is well on its way to incredible success. But before launching Ellevest in 2016, Sallie challenged the status quo as one of the highest-ranked women ever to have worked on Wall Street. That came tumbling to a halt in 2008 when she was fired from Citi for standing up for what she believed. I have fangirled Sallie since I first read about the chaos. And even more so when she decided to follow her passion and commitment by starting Elevest. It's a beautiful and noble mission and story. I am excited for you to hear our discussion including how she started Ellevest and scaled it. On this episode of #TheKaraGoldinShow. Enjoying this episode of #TheKaraGoldinShow? Let me know by clicking on the links below and sending me a quick shout-out on social. Or reach out to me at karagoldin@gmail.com https://www.linkedin.com/in/karagoldin/ https://www.instagram.com/karagoldin/ https://twitter.com/karagoldin https://www.facebook.com/KaraGoldin/ Check out our website to view this episode's show notes: https://karagoldin.com/podcast/405 To learn more about Sallie Krawcheck & Ellevest: https://www.instagram.com/sallie.krawcheck/ https://www.instagram.com/ellevest/ https://www.linkedin.com/company/ellevest/ https://www.linkedin.com/in/salliekrawcheck/ https://twitter.com/SallieKrawcheck https://twitter.com/Ellevest

Financial literacy and wealth-building are crucial for women to claim their financial futures. In this podcast episode, host Olivia Cream sits down with trailblazer Kelly Ann Winget, author of "Pitch The Bitch: Grab Your Financial Future By The Bags" and the only millennial LGBTQ+ manager of a solo-female-founded private equity fund. Winget's book challenges the notion that women shouldn't be part of financial conversations, offering readers insight into her journey from selling in car washes as a teenager to her current position as founder of Dallas-based Alternative Wealth Partners (AWP). Drawing on over a decade of experience in alternative investments and a legacy in the oil and gas sector, Winget has raised nearly $1 billion in private capital for various business ventures. She uses her expertise to help investors access real returns off Wall Street. Winget passionately discusses the importance of financial literacy and wealth-building for women. She aims to change the face of wealth, instilling knowledge and confidence in women to take charge of their financial futures. Winget introduces listeners to Ellevest, an investment platform designed specifically for women, and offers practical advice on financial planning, wealth creation, and ways to overcome financial fear. The episode concludes with the essential message that success means ensuring that financial decisions for the world become more equitable, and that it's important to support people who can make that happen. Here are five key takeaways from the conversation with Kelly: Embrace Financial Literacy: There is great power in understanding financial systems, from basic budgeting to complex investment strategies. This knowledge serves as the foundation for taking control of one's financial future and achieving a sense of security and empowerment. Addressing the Wealth Gap: The persistent wealth gap, particularly for women and marginalized communities, must be challenged. The key to this lies in systemic change and the redistribution of resources, ensuring that more wealth ends up in diverse hands. Women-Specific Investment Platforms: Platforms like Ellevest are designed specifically for women investors. They take into account the unique financial hurdles that women face, such as lower income, shorter working periods, and longer lifespans. This tailored approach ensures that financial solutions align with women's specific needs and experiences. The Power of Confidence and Action: Taking the leap towards financial independence requires belief in oneself and the courage to take the first steps. Overcoming fear, challenging societal norms, and taking action are critical to this journey. Redefining Financial Success: True financial success extends beyond personal wealth accumulation. It's about creating a more equitable financial landscape where decisions and resources benefit a wider range of people. This vision provides a blueprint for those who aim not just to grow their own wealth, but to contribute to a fairer financial system. You can learn more about Kelly and how. to work with her here: https://www.kellyannwinget.com/ You can purchase a copy of her book here or at your local bookstore: https://www.barnesandnoble.com/w/pitch-the-bitch-kelly-ann-winget/1143229127?ean=9781667892368 Music Credit: Kevin McLeod Cumbia Frills Faster

Sallie Krawcheck is the CEO of Ellevest, a women's-focused investment platform she launched in 2016. The company has over $1.5 billion in assets under management with a goal to close the gender investing gap in the U.S. by “redefining investing for women.”Prior to launching Ellevest, Sallie had a successful career on Wall Street, serving as the CEO of Smith Barney, Merrill Lynch, and Sanford C. Bernstein. She also worked at Citi, first as the bank's CFO and then as its head of wealth management, a role she held until the 2008 financial crisis.She's been called the “most powerful woman on Wall Street” as well as the “Last Honest Analyst” by Forbes Magazine.*The Founder Hour is brought to you by Outer. Outer makes the world's most beautiful, comfortable, innovative, and high-quality outdoor furniture - ALL from sustainable materials - and is the ONLY outdoor furniture with a patented built-in cover to make protecting it effortless. From teak chairs to fire pit tables, everything Outer makes has the look and feel of what you'd expect at a 5-star resort, for less than you'd pay at a big box store for something that won't last.For a limited time, get 10% off and FREE shipping at www.liveouter.com/thefounderhour. Terms and conditions apply.

Hello my friends! For today's episode, I will be talking about money, how different identity contexts affect our relationships with money, and how anyone can change their relationship with money. I will also go through all the data and how allies can help open the conversations for underrepresented people. Let's delve in!   In this Episode You'll Learn: [03:28] The data for different identities. [11:25] Getting the money you deserve. [13:20] How do we do it? [13:50] Shift your mindset. [16:04] Work on your trauma. [17:04] Support your nervous system. [18:18] Open your portals. [18:58] Seek out resources that speak to your identity. [19:38] Sit with your allies. [20:18] Supporting underrepresented people.   Quotes: “We cannot mindset shift ourselves out of systemic oppression.” [10:27] “Shame kills more dreams than fear ever does.” [14:19] “We can all do something to change the conversation and experience around money.” [20:55]   Resources So Money Podcast, by Farnoosh Torabi. Ellevest. Stash Wealth 22 Ways to Fight the Gender Wealth Gap The Racial Wealth Gap May Be the Key to Other Inequities   Connect with Amina AlTai Website: aminaaltai.com. Facebook: Amina AlTai. Instagram: @aminaaltai. TikTok: @theaminaaltai  

Today's episode features Sallie Krawcheck the Co-founder and CEO of Ellevest, a financial company built by women, for women to reach their financial goals. Sallie is one of the highest ranked women ever to have worked on Wall Street, having held posts such as CEO of Smith Barney, CEO of Merrill Lynch Wealth Management, and CFO of Citigroup. She is one of the most-read “Influencers” on LinkedIn and has been profiled as one of Fast Company's “Most Creative People” in business, as well as in The Wall Street Journal, Fortune, Forbes, and more. Ellevest has a community of more than 3 million, raised a $53 million Series B funding round and has $1.5 billion in assets under management. Learn why “nothing bad happens when women have more money.”

#17: I talk to Sallie Krawcheck, former head of Bank of America's Global Wealth and Investment Management division, current CEO of Ellevest, and arguably the most powerful woman on Wall Street. She teaches us how to make planning your finances simple and we discuss investing, credit card debt, and building wealth. Most importantly, Sallie shares her tips to succeed financially, especially when being a woman in today's world. Learn more about Ellevest here.  To apply for the Senior Podcast Producer position at Erika Taught Me: https://erikakullberg.com/producer-application Special thanks to our partners: Webull (free stocks) - erikataughtme.com/invest Aura - erikataughtme.com/aura Bilt Rewards - erikataughtme.com/bilt Thanks for tuning in and come back every Tuesday for a brand-new episode! Make sure you hit the follow button to get notified.  Prefer video or want closed captions?⁠ Watch this episode on YouTube. Did you enjoy the episode?⁠⁠ Please leave us a review here⁠⁠: https://erikakullberg.com/review (just scroll to the bottom and tap on “leave a review”) It really helps the podcast especially since we're just getting started. Even just a sentence is perfect! Follow the podcast @erikataughtme across platforms.  ⁠Connect with me on Instagram.⁠ For more information, go to⁠ https://www.erikataughtme.com/⁠. Get on my personal finance & investing course priority waitlist here. https://erikakullberg.com/3DMoney Get my Mastering YouTube course, to learn how to grow a YouTube following and monetize it. https://erikakullberg.com/MasteringYT  ⁠Get more of my free resources.⁠

Listen in this week to Salllie Krawcheck, Founder of Ellevest live from our Doers and Disruptors Conference.—————————Sybil would love your feedback... If you enjoyed this episode, tell her why! Leave her a review and make sure you subscribe on your favorite podcast platform.Send Sybil a DM directly to www.instagram.com/sybil_amuti or an email to welcome@thegreatgirlfriends.comFollow now

For women, the path to becoming a successful business leader is filled with systemic barriers. But some of the most innovative companies are led by women — Stitch Fix, Feeding America, and Ellevest, just to name a few. How do these women do it, and what can we learn from them? CNBC reporter Julia Boorstin looked at the data and interviewed more than 60 female executives on what sets them apart. We talk with her about why female leaders are often better at expressing empathy, navigating stressful situations, instilling their companies with purpose, and more. In Mailbag, we answer questions about purchasing I-bonds and tackling wealth inequality. In Thrive, everything you need to know about cover letters.

J+M start the show by suggesting some Twitter product ideas (1:59), before ripping through a lightning round of news. (16:26) Then, Molly welcomes Ellevest CEO and Co-Founder Sallie Krawcheck to kick off another season of The Next Unicorns! (31:09) (0:00) J+M tee up today's topics! (1:59) Jason suggests some Twitter product ideas (14:48) LinkedIn Marketing - Get a $100 LinkedIn ad credit at LinkedIn.com/nextunicorn (16:26) News lightning round: Elizabeth Holmes has sentencing postponed due to incident with a key witness, Europe votes in favor of universal USB-C charging (28:55) OpenPhone - Get an extra 20% off any plan for your first 6 months at https://openphone.com/twist (31:09) Ellevest CEO Sallie Krawcheck joins Molly to discuss her women-focused investing platform (39:06) Helpware - Go to https://helpware.com/TWIST to get $1000 off your first invoice (40:31) Ellevest total assets, launch story, COVID's harsher impact on women (51:39) Sallie's background on Wall Street, turning haters into customers (1:00:13) Sallie shares thoughts on the current macro environment Check out Ellevest: https://www.ellevest.com FOLLOW Sallie: https://twitter.com/salliekrawcheck FOLLOW Jason: https://linktr.ee/calacanis FOLLOW Molly: https://twitter.com/mollywood Ellevest State of Women's Financial Wellness in 2022: https://s3.amazonaws.com/production.assets.ellevest.com/documents/Ellevest-The-State-of-Womens-Financial-Wellness-in-2022.pdf

Taking risks can be the catalyst for immense scale or dire straits. Avoiding taking any risks at all leads to stangnancy and empowered competitors. The key is to know which risks are worth taking, and when and how to take them. This episode highlights the best conversations we've had recently about taking advantage of risk and how fortune favors the brave. Featuring New Georgia Project's Stacey Abrams, Care.com's Sheila Lirio Marcelo, Bankable Productions & SMiZE Cream's Tyra Banks, MetricStream's Shellye Archambeau, Moderna's Stéphane Bancel, Digital Undivided's Kathryn Finney, Ellevest's Sallie Krawcheck, and American Express's Ken Chenault. Read a transcript of this episode: https://mastersofscale.comSubscribe to the Masters of Scale weekly newsletter: http://eepurl.com/dlirtXSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Women have different challenges in investing, including a wage gap and longer life expectancies. We've got two conversations addressing some of those challenges. (1:09) Deidre Woollard talks with Sallie Krawcheck, co-founder and CEO of Ellevest (a bank and robo-advisor specifically designed for women) about how she's helping more women invest and a lesser-known savings tool for investors who want to give back. (18:39) Dana Corl Kasarda talks with Kathryn Tuggle, co-author of the new book “How to Money”, about some of the positive ways that stereotypes are changing for women and investing. Hosts: Deidre Woollard, Dana Corl Kasarda Guests: Sallie Krawcheck, Kathryn Tuggle Producer: Ricky Mulvey Engineers: Dan Boyd, Brandon Gentry, Spencer Daniel