Podcast appearances and mentions of tess waresmith

More money in the hands of women is magic. That's the vibe of this conversation with Tess Waresmith, investing educator, speaker, and founder of Money Confident Club, a financial education community that helps women learn how to grow their money using simple investing strategies so that they can retire comfortably and live life on their terms.  After losing thousands in investing mistakes in her 20's, Tess learned everything she could about wealth building and built her net worth from 0 to 1 million as a single 35 year old woman. Tune in and boost your money confidence! We go deep on: Tess's journey from D1 athlete to aerial acrobat on cruise ships to discovering investing and eventually starting her own company Why she feels she has a moral obligation to teach women how to invest Rising above shame and blame about money 4 main reasons why money feels hard Why money confusion isn't your fault but it is your responsibility The magic of compound interest in growing your wealth Getting started with investing now How to use money as a tool to move beyond security and optionality into impact and influence   < CONNECT WITH TESS WARESMITH > Free Mini Course: Journey to Financial Independence! https://wealthwithtess.com/fi  Tess on IG https://www.instagram.com/wealthwithtess    < LET'S RISE > Energy Queen Retreat Day | Berkshires | May 2025 (ONE SPOT LEFT!) https://jennyfenig.com/energy-queen-retreat-day/ Jenny's Website https://jennyfenig.com

Welcome back to the Messy Success Podcast! If investing feels overwhelming or you're unsure where to start, you're not alone. Today, Elizabeth sits down with Tess Waresmith, investing educator and founder of Wealth with Tess, to break down the simple strategies that helped her go from financial struggle to building a $1M net worth by age 35.   Tess shares the biggest investing myths keeping women stuck, why you don't need tons of money to start, and how small, consistent actions can create long-term wealth and financial freedom. Whether you're a business owner or just looking to grow your money with confidence, this episode is packed with actionable insights.   Listen in and grab Tess's free Investing 101 mini-course to start growing your wealth today!

Lesley and Brad dive into a powerful conversation with seasoned investor Steve Selengut, who shares his best advice for building a portfolio that generates consistent income. With 45 years of experience, Steve breaks down complex financial concepts into easy-to-understand insights that will empower you to take control of your wealth. Whether you're new to investing or looking to refine your approach, this episode is packed with valuable takeaways on how to make smarter financial choices.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 most people don't talk about money—and why you should.How Steve's 45+ years of experience shaped his investment philosophy.The importance of diversifying your financial portfolio. How to generate consistent income from your investments.Why market downturns can present great buying opportunities.Understanding the 4%–5% rule for living off investment income.Episode References/Links:Cambodia October 2025 Retreat Waitlist - https://crowsnestretreats.comSpring Training - https://opc.me/eventsPilates Studio Growth Accelerator - https://prfit.biz/acceleratorAccessories Flashcards Waitlist - https://opc.me/flashcardwaitlistLove Yourself Like Your Life Depends On It - https://a.co/d/dhpZ3LjRetirement Money Secrets by Steve Selengut - https://a.co/d/caqcgnTEp. 352 with Tess Waresmith - https://beitpod.com/ep352Ramit Sethi Interview - https://beitpod.com/ramitsethi 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! DEALS! DEALS! DEALS!Check out all our Preferred Vendors & Special Deals from Clair Sparrow, Sensate, Lyfefuel BeeKeeper's Naturals, Sauna Space, HigherDose, AG1 and ToeSoxBe 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:InstagramThe Be It Till You See It Podcast YouTube channelFacebookLinkedInThe OPC YouTube Channel Episode Transcript:Lesley Logan 0:00  People don't talk about money in their own households and their own marriages and their own relationships. They don't talk about money. And the truth is, if you don't talk about money with someone in your life, you better be talking about it with yourself. 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.Welcome back to the Be It Till You See It interview recap where my co-host in life, Brad, and I are going to dig into the influential convo I have with Steve Selengut in our last episode. If you haven't yet listened to that one, go back and listen to that one, then listen to this one, or listen to this one and then listen to that one. Look, we're talking money. Brad Crowell 1:09  We're talking money, money. Lesley Logan 1:10  Investments and over here at the Be It Pod, we want to make sure that you are wealthy in your health and in your finances because then you can be as generous as you want to be in this world. And let's just be real, like you got to have something to fall back on these days. So I'm really excited for you to learn from Steve, because he, he had some really good advice. I understood it and when it comes to, like, the stock market and investments and portfolios, sometimes I'm like.Brad Crowell 1:36  Yeah, fascinating conversation from a career investor, 45 years. Lesley Logan 1:40  45 years. Brad Crowell 1:41  Of investing for people, and then now he's a coach. He guides people through the process. So pretty interesting, really, really enjoyable. Lesley Logan 1:48  We're gonna dig into our takeaways in a moment. But first, today is February 6th 2025. It is Pay a Compliment Day. About this day, nothing tears a person up quite like hearing someone say something nice about you. It's time to return the favor on Pay a Compliment Day. And although we shouldn't need a special day to show our appreciation, most of us need a little nudge right? We've often walked away from interactions wishing we had said what was in our hearts. “Will I embarrass myself?” “Is it appropriate?” All questions that plague what should be a simple articulation of the heart. Let's redeem ourselves on Pay a Compliment Day. Wanna give a shout out to my mom. We were in Nevada at our annual little (inaudible) moment and. Brad Crowell 2:25  That would be Arizona. Lesley Logan 2:26  Yeah, yeah, yeah, oh, that was in Arizona. You guys were, I'm getting there today. My tummy is like on some antibiotics, and we're getting there, so I'm gonna make more mistakes. Thanks, Brad for being here to catch. Brad Crowell 2:37  Got you covered. Lesley Logan 2:38  So what (inaudible) with my mom is people just walked by, and my mom just gave, every random person got a compliment. Oh, I love your bangs. Oh, your sunglasses are so beautiful on you. That's a great sweater. Oh, that looks so soft. Like, like, every single person got a fucking compliment. And I was just like, how is she able to notice something nice to say to every single person? Also, anytime she would say, like, oh, you look like so and so, it was never an ugly actor or actress. It was always a beautiful person. And I just like, so you know what? She's a first grade teacher who has to, like, do everything on her own all the time. If she can pay a compliment to random people, you too can do that today. So just give it a try. Give it a try telling someone like, oh, I really like your shoes. And just walk away. You don't have to have a conversation. Just walk away. Brad Crowell 3:25  Yeah, you can just walk away. What's one of my favorite things to do? It is give people a quick little compliment and keep going, because then they go, oh, feels so good. Lesley Logan 3:33  Yeah, feels so good. So okay, go do that and let us know how it goes. Today is inching even closer to us going to Cambodia. I think we're like a week away, a little over a week away. Brad Crowell 3:42  From us leaving. Lesley Logan 3:43  We go to our February retreat. Brad Crowell 3:47  It will be February 23 is when things kick off over there. Lesley Logan 3:50  Yeah. It's pretty late for you to add yourself to that one. Brad Crowell 3:53  I mean like, you are more than welcome to make it happen, if you can. We'd love to have you. Lesley Logan 3:56  Yeah, but we're not going to stress out about it, because you can come on October. Brad Crowell 3:59  That's right. We have an October trip that we are lining up and, well, it's already lined up, so go check it out. The dates are on the website crowsnestretreats.com, crowsnestretreats.com. Come join us in October. Why? You ask.Lesley Logan 4:14  Because it's amazing. Brad Crowell 4:16  It is absolutely amazing.Lesley Logan 4:17  You get to do Pilates with us. You get to go to the temples with us. You get to go to a lotus farm with us. You get to go on a boat ride with us. You get to be in another place in this world where someone has already planned the entire thing out all you have to do is just show up. Show up to the airport. We'll pick you up from the airport. Like that is pretty freaking cool. You know? It's really, really cool. So. Brad Crowell 4:36  Your name on a sign. The whole nine. Lesley Logan 4:37  Yeah, oh yeah. You get a name on the sign. Oh yeah, you do. So go to crowsnestretreats.com to snag your spot. We already have people signed up. April, we're gonna have spring training, which is for our Pilates lovers, so about a week long of Pilates events for those of you. And we're gonna nerd out upon a subject. More details will be to come. We might have also released them, and you would know if you were on the email list for the events. So opc.me/events, is where you can get deets on spring training. We're going to keep having some fun with Pilates stuff, and this is gonna be the only thing that we're doing on a virtual setup for public Pilates stuff outside of OPC. Brad Crowell 5:11  Yeah, no summer camp this year, we're doing spring training instead. That'll be the end of April. So make sure you get on that events waitlist. Next up, if you are at all taking money from clients, then you run your own business, believe it or not. So whether that is small and you've got four clients or a full blown studio or home studio, or you're renting from someone, I want you to come join me for a free webinar. We're going to talk about money. We're going to talk about how do you get new clients. We're going to talk about how do you connect with those new clients that you're going to go get. These are three big secrets Lesley and I have learned after coaching more than 2500 business owners, just like you, just like us, and it's allowed us to pass along this experience, this knowledge that we have. And I want you to join me for this free webinar. Go to prfit.biz/accelerator that is profit without the O dot biz slash accelerator. Come join me live. And finally, we have. Lesley Logan 6:07  The final Pilates flash card exercise deck is almost ready. I know. So at the time that you're hearing this, we are done with the edits. I'm almost pretty sure. That's the goal. Our deadline was about this week.Brad Crowell 6:21  Photo shoot is done. First draft of the cards are done. They're probably putting them onto the. Lesley Logan 6:26  They're already on. Brad Crowell 6:27  They're already on the (inaudible) digital cards. That's how the edits are happening. Lesley Logan 6:31  How much Brad's a part of the whole process. Brad Crowell 6:33  We are darn close. We're darn close. But if you want the hookup, you gotta be on the waitlist. So, where are they going? Lesley Logan 6:43  opc.me/flashcardwaitlist Brad Crowell 6:45  There you go. Lesley Logan 6:45  Yeah, it's the slash and flash that's the problem. So it's the opc.me/flashcardwaitlist. That's where you're gonna go, because if you're not on that list, you won't hear about the presale and the presale's the best price it's ever gonna be. Brad Crowell 6:57  Yep, yep, yep. All right, so this week, we had an audience question for one of our tour attendees in Phoenix, Arizona. Lesley Logan 7:05  The last stop. Brad Crowell 7:06  The last stop. What an epic tour it was, by the way, my gosh. I mean, over 600 attendees. We did 8000 miles. We had an opportunity to see states we've never been to before. It was just lovely.Lesley Logan 7:20  Yeah, I loved it. I really enjoyed all of it. I had so much fun. And so when I got this question after the last public workshop on the last day of the tour, I was like, I was so impressed with myself, actually.Brad Crowell 7:35  Here's the question. She asked, "How do you keep your energy up after doing all of these events?" I think it was like 45 events, or something like that, over 34 days.Lesley Logan 7:45  And also, somehow, my team approved a class and two workshops after my bedtime. Truly, truly, if you guys are in my calendar, it says done for the day at 4pm so, and these things were at like 4:00 and 5:30 and six-something. And I was like, who did this? And my sister-in-law said. Brad Crowell 8:05  She's pretty sure it was my fault. Lesley Logan 8:06  Yeah. She said that would be your husband. That's exactly how she said it. That'd be your husband. Brad Crowell 8:10  That'd be your husband. Lesley Logan 8:11  Yeah. And I was like, no, ever, never, ever, ever, ever. So anyways, how do I keep my energy up? There's not one answer, okay? And like, also, I think you can take parts of this and apply it to your life, where you are and what you have access to. Okay, so first of all, last week, we talked about FemGevity a lot, and that's because part of the energy that I have is due to actually having someone really evaluate my health and make sure that what I eat is really good for my body, my hormone levels are really good for my body. That right there. If you're eating foods that inflame you you're going to be tired because your body's inflamed. So please, please, please, if you haven't called them, call them or work with a professional who is going to listen to you and make sure that what you're eating and how your hormone levels are appropriate for where you are in your life. Second, my Pilates practice is a priority, priority number one. So when I'm at home, I do it five to six days a week, sometimes seven, and I'm sitting here sore, just like getting back into it, because on tour, I don't get to do 30 full minutes, or even 15 full minutes. Sometimes I get like 10, but my Pilates practice is a priority. So when I'm on tour, every day is like, where are we going when I get my movement in, my movement practice is what allows me to have energy for you. It allows me to have stamina for you. It's allows me to not resent that you get to move and I don't get to move. So my personal practice is priority. I get almost 14,000 steps in a day, and all of that helps with my energy levels, that I can gift to you, that I can pour in to the people that I'm teaching. And then lastly, I've been really focused on sleep for the last couple of years, where this is the year we're really focusing on it. We're currently working with like a sleep situation that makes me hot or makes me cold, or whatever it needs to do, and that is a focus. And if you can get your hormones and food right, you can get your movement right and get your sleep right, I promise you you have energy for things you don't even want to do. You will. You just will. So did I miss anything? Brad Crowell 10:03  I think, like you said, it's been a combo of all the things. I think you're also relatively consistent with your schedule, and I think boundaries are really important part of that.Lesley Logan 10:12  You remind me of something I wanted to say. Thank you so much. That was a key word. That's why you're here, babe. Brad Crowell 10:17  Take it away. Lesley Logan 10:17  Okay, so there is a book called Love Yourself Like Your Life Depends On It, and I think we ordered it, or at least put it in my cart. At any rate, I haven't read it yet, but somebody said this about boundaries, and I am as what Brad said, I am a stickler for my schedule, and that is because then I can break the rules, right? But if I don't have a schedule, I don't have boundaries, and I'm gonna be tired all the time because I'm gonna be reassessing my boundaries and all that stuff. So my boundaries are really key. But in this book, Love Yourself Like Your Life Depends On It, it says. Brad Crowell 10:45  By Kamal Ravikant. Lesley Logan 10:47  Yes. If you are burning out, it is because you don't love yourself enough, because if you loved yourself fully, you would love yourself so much you would say no to things, because you know that it's actually a terrible thing for you to say yes to it. And so, like, to me, I was like, so proud of myself. I was like, oh, this self-love journey is working because I am not burning out.Brad Crowell 11:13  Well, even on the tour, and that's the thing, the environment completely changed. The morning routine completely changed. So there still had to be, even though everything was chaos, there still had to be boundaries, and it took us, this is our seventh tour, y'all, so how do we scale it up to be 34, 35 days long? Well, we've had a lot of practice, and we've got a lot of trial and error, and what we realized is that we don't want to teach more than six days in a row. Right? In fact, three or four days is even better, and then at least one day off, so that we can rest. We can enjoy some enjoy ourselves and like, help hit that reset button each time because we are go, go, go, go, go when we're on the road. Lesley Logan 11:55  And also to boundaries, like, your boundaries can change, might have to change depending on your environment. When I'm at home, I have one set of boundaries of how I work and how late I'll work till or how many days in a row. I don't work six days a week when I'm at home. But on the tour, we have different boundaries, right? My only responsibility when on tour is to do the tour, to do the social posts and to keep up with the team and our members. That's it. I know that sounds like a lot, but like, when I'm at home, I'm writing newsletters, I'm writing blog posts, I'm making videos, I'm making classes, I'm doing podcasts. Like we have so many other hats we wear, none of that happens, so that we don't burn out when there is chaos. So we have boundaries. So I think boundaries would be, of those four things that I said, sleep, hormones and digestion, and personal self-care and boundaries, right? If you take one thing away, pick one of those things that you go, you know, I really that is where I'm like, it's like, seepage. Is that what it's called seepage? Like, when you're like, losing there's like, a technical term in the world of, like, money or business, but like, you're losing energy, and it's going out faster than being put in. Look at those four areas and see which one you need to, like, plug a little hole, and that might be able to change your energy. So don't try to change all four at once. That's impossible. It's really, really hard. But change one, yeah. Brad Crowell 13:14  All right. Well, that was a great question. Lesley Logan 13:16  I loved it. Brad Crowell 13:17  If you have a question, you can ask them. You can text us at 310-905-5534 and just say hey question for the pod, or you can ping us on Instagram or leave a comment on YouTube, generally, just reach out. And stick around. We'll be right back. We're gonna dig into this fantastic convo with a professional investor who breaks it down for us non-professional investors in just a minute, so we'll be right back. All right. Now, let's talk about Steve Selengut. Steve is a seasoned expert with over 45 years of experience as a professional investment manager. He managed over $110 million in assets for more than 130 families, focusing on helping clients achieve income independence through smart investment strategies. He is now an income coach, and he no longer manages money for other people. I think he was very happy to retire. He told us on the pod he's about to turn 80 years old. Lesley Logan 14:13  Insane. Brad Crowell 14:14  Which is amazing. Lesley Logan 14:15  And he's like cruising, and he's like doing all this, because he likes to help people with this. He's got all this information, and it can really help you make money on your own. Brad Crowell 14:23  Well, Steve teaches individuals how to manage their portfolios to generate consistent income, and he shares insights from his book, Retirement Money Secrets. Lesley Logan 14:31  Get the book. It's really informative and really easy to read. You know, we were out visiting some friends, and she and I were talking about getting help with our portfolios, because if you don't start when you're younger, at any age, where you feel like you can have some flexibility in trying things out, it can get scarier, and then you're limited on what your options are. So here's what I loved. He said a portfolio is really all your investment accounts. That's all part of your investment portfolio. You can have multiple things. I'm gonna use a bunch of acronyms right now. You can have your IRAs, your Roth IRAs, your 401(k)s, your portfolios got to be, you hear the word diversified, you got to have these different things in it.Brad Crowell 15:08  Yeah, it's stocks, it's bonds, it's insurance, all those things. Lesley Logan 15:10  If you're like, nodding along. Brad Crowell 15:11  Investment properties. Lesley Logan 15:12  Yeah, if you're nodding along and you're like, uh-huh, uh-huh, uh-huh. Okay, but here's a really cool way he described it. He likened a portfolio to merchandise on the shelves at the department store, okay? And then at the department store, I set a target price and a target markup, and I sell that merchandise because I know I can replace it. He said, when the market downturns, it's like putting things on sale. And this is where people get really nervous, and they actually start selling when the market downturns. But he actually wants, actually said, like, actually, when they're down, you shoot their bargains, just like anything that's at a department store that's on sale, it's a bargain, right? Brad Crowell 15:45  That's when you should be buying. Lesley Logan 15:46  That's when you should be buying. And so the same goes for the stock market. And I really like that because I have no idea what's going on in the stock market when this episode comes out, but we just had a meeting with our wealth managers a couple weeks ago, and I had not looked at the stock market, and it was like, very down. And I was like, okay, you know? And I was like, and we just gave you some money, and so you bought it on a bad day, which means we're getting a really good deal on some good stuff, and it's gonna go up. This is how during the Great Depression, that's when all these people got super rich. They bought all this stuff, and people freaked out, sold all their things, and these other people just scooped it up really cheap. And you don't have to, you can be like them. You, too, can buy your stock on a bargain in a department store and have some fun in your portfolio.Brad Crowell 16:22  I love it. Well, he also gave four practical principles of risk minimization, which are right out of his book. Okay? So, it's quality, diversification, income focus, and number four is avoiding emotional decisions. So let's talk about those. So, quality. What is quality? He said focus on companies that are profitable, well-established, and they pay dividends. You need to research how long has it been in business? Is this a profitable business? Are they paying out dividends to their shareholders? Okay? That's the game he likes to play. He focuses on only those kinds of companies. Diversification, number two. Avoid over-concentrating in a single sector or trend. When you dive into investment, you can start to realize, oh, I'm in the tech sector or I'm in the this sector, I'm in the that sector, the medical, the, all the stuff. And he said be diversified. Avoid over-concentrating. Don't put all of your investments into rapidly growing industries such as AI. Sure, have some industry AI stuff, but don't have everything in the AI basket. Third, income focus. Invest in securities that generate consistent income. Lesley Logan 17:29  This was a really interesting part of the interview, which, like, we don't have to go into because you can go listen to it. But there are ways of getting paid more regularly than just gathering up wealth.Brad Crowell 17:39  Yeah. Okay, so securities are, generally, they're understood as stocks, bonds, mutual funds or other financial instruments, but stocks and bonds, right? So when he's saying securities, generally, that's what he's referring to. He said many people make the mistake of automatically reinvesting their income into the same securities over and over again. It's a big mistake. So he didn't explain why it's a big mistake, but he alluded to it, and then I'm assuming he talks about it in-depth in his book. Number four, avoiding emotional decisions. He said stay objective and avoid falling in love with stocks that perform well temporarily. He said always prepare for market corrections. I think he talked about it in a way that was pretty funny. Basically, he's like, yeah, these guys are all working for me. Their company goes up and then I sell, I might buy them back again later, but I'm not stuck with these people for the long haul. He said that's not how I'm doing it. There's definitely different kinds of strategies for investing. It does take more focus. It wasn't quite a set it and forget it. He did talk about that a little bit, but it sounds to me like he's paying a lot of attention. Lesley Logan 18:40  He's different. Like, if you're like, Lesley, how is this different than Tess? He specifically said, I heard your interview with Tess, I do things differently, and so I wanted to bring him on, because I think it's important to have different ways of doing things. Tess really empowered us in a great way. And her course, was really great on, like, not a set and forget it, but kind of like, here's these things and watch these things. And like, don't stress so much, which is great when you're busy, got other things. And Steve is, like, here's how you can actually have an approach. It's a little bit more you're into it, and you can also have an income coming from it. You can sell, you can buy it back, and so it's a little bit more hands on. But I also think if that interests you, like, if you're looking for a hobby, why not try this? I don't know, our friend's husband, this is his hobby, and he.Brad Crowell 19:24  Yeah, so test this episode was 352, by the way, Tess Waresmith,. Lesley Logan 19:27  Yeah. So I was really intrigued with it, by the differences and what's possible. And I think we get scared of these things. I was listening to a pod you and I.Brad Crowell 19:35  (inaudible) overwhelming. Lesley Logan 19:36  Well, you sent me a podcast with (inaudible). And he was like, no, people don't talk about money in their own households, and their own marriages and their own relationships, they don't talk about money. And the truth is, if you don't talk about money with someone in your life, you better be talking about it with yourself. I think that if your partner won't want, doesn't want to talk about these things and like, you need to educate yourself, and you need to figure out a way to create a portfolio for yourself. You need to have these things. Because the reality is, is I really, truly want to make sure that anyone listening to this podcast is secure financially in case something happens. And Steve's book and Steve's interview, to me, gave really great insight on how you can make the market work for you and have income that isn't produced by you, necessarily, it's by you diversifying and making different decisions and checking in with things, and then also you need to practice being not emotional about things. I'm gonna let that go. I'll come back later. You know, I thought it was really informative, and I got really excited about it. Brad Crowell 20:32  Yeah and the podcast I shared to you was from the Smart Passive Income Podcast. He interviewed Ramit Sethi. He coaches people on building wealth and generally navigating money conversations between couples, and I thought it was a really interesting episode. We'll include the link to that in the show notes here as well. Lesley Logan 20:49  And because you're unlikely to get any coaching with for me, what's cool about Steve is that his book, he'll coach you through it, and that's really cool. Brad Crowell 20:57  Yeah, yeah. Stick around. We'll be right back. We're gonna dig into those Be It Action Items that you covered with Steve. All right. So finally, let's talk about those Be It Action Items. What bold, executable, intrinsic or targeted action items can we take away from your convo with Steve Selengut. He said hey, take a look at your portfolios. This is like the number one thing he suggested to do. Oh, actually, I'm gonna let that be to you, Lesley, the number one thing. This is the number two thing. Take a look at your portfolios. Look at the actual income production, where it says, dividends received this year. Dividends received this year. Okay? So you get a statement, the statement has a line item that says how much did you get this year? Dividends received. Or an amount what can you expect to receive over the next 12 months? Because they actually do give you a forecast, and you want to see what that is as a percentage of your portfolio that will then go into (inaudible).Lesley Logan 21:50  My takeaway. So your portfolio's income production, and that should say between four and 5%. So if you're working with your investor to adjust investments to generate steady income that's in the four to 5% range. And you know, people might hear a person who's like that, go, that's not very huge. Y'all, no one gets rich overnight. It really doesn't happen. Everything is like little steady changes here and there. So work with your investor to adjust investments that generate steady income in the four to 5% range. This range, here's why it's important, this range is critical for covering living expenses, especially in retirement. So the goal is consistent financial stability, regardless of what's happening in the market. So like, the market could be going up and down, but you are getting consistent things that you can live off of these investments, so you can be in retirement.Brad Crowell 22:35  Yeah, so a couple things to consider here, and this is what he was talking about why he ended up with the four or 5%. If you look at the market over the history of the market, it's like raising up an average 8% a year. So obviously, you want to be doing everything you can but the market is not necessarily your entire investment portfolio, right? The market is only one piece of the investment portfolio. So even though they say you want to be able to make that in the market, but then there are these other things. When you hire a financial advisor, you're also paying them a percentage. You're paying them fees in some manner. And so the number one thing is to make sure that they're making more than the fees that they're taking. But the second thing that they need to be making is money on top of that, because here's what the average person does when they retire, when you are no longer generating an income, your six-figure salary from your job, and you're ready to hang it up and enjoy retirement, let's just hypothetically say, you have a million dollars in the bank. If we said a million dollars, what are the (inaudible) times .4%, .04, that's $40,000. So the question is, if you have $40,000 can you live on $3,333 a month? And so he said, on average, people are living on the four to 5% of the money that's in their retirement portfolio when they retire where they're literally drawing that out, and that's what they use to pay for life, right? So if you have a million dollars in your portfolio, and you're living on four to 5% you're bringing in 40 grand. If you have $2 million you get to double that, right? So that's the goal here, is to understand how much money do you want in retirement, and then you can work backwards from that understanding, okay, I need to have X in the portfolio in order for me to live this lifestyle that I have for myself, have built for myself, right? So that's where he's coming from. He's clearly also had a lot of other success around that. But these are general investments tips, so. Lesley Logan 24:35  I really love when someone comes to the show that has had decades of experience in one thing, and is like willing to share so much information with us. Brad Crowell 24:43  Yeah, especially since we're not experts in that, that's pretty amazing. Lesley Logan 24:46  No, we're not. And he was really cool to me. He's like, you gotta read this book. Read my book because it's, everything I'm gonna say is in this book. And so I just really think that if you are someone who this is overwhelming, read his book, because it's, sometimes, reading the words is different than hearing the words, and then in the more you hear it, the more it starts to make sense. I know when we work with our wealth managers, I'm just like, okay, I actually understand what you said. You said words. I've heard those words 10 times. You've explained it seven, and now I know. So don't be afraid to ask questions. Don't be afraid to reach out to experts. But please don't put your head in the sand and not talk about your money, even with yourself, you got to be honest with yourself, because you'll need it someday. You really will. So, I'm Lesley Logan.Brad Crowell 25:26  And I'm Brad Crowell. Lesley Logan 25:27  Thank you so much for listening to our podcast, or being part of our audience, for coming up and telling us you listen like it really does mean the world to us. When we're on tour we get to meet so many of you, like, I did this from the podcast. I have (inaudible) because of the podcast. Like, all these different things, and so, we are so, so grateful for you, and the show goes on because of you. So thank you, and make sure you share this episode with a friend who needs to hear it. These money ones are really good ones to share, because someone in your life is like struggling with this right now and needs some help and needs some advice, and you don't have to be that person. And until next time, Be It Till You See It. Brad Crowell 25:58  Bye for now. Lesley Logan 26:00  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 26:43  It's written, filmed, and recorded by your host, Lesley Logan, and me, Brad Crowell.Lesley Logan 26:48  It is transcribed, produced and edited by the epic team at Disenyo.co.Brad Crowell 26:52  Our theme music is by Ali at Apex Production Music and our branding by designer and artist, Gianfranco Cioffi.Lesley Logan 26:59  Special thanks to Melissa Solomon for creating our visuals.Brad Crowell 27:02  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.Transcribed by https://otter.aiSupport this podcast at — https://redcircle.com/be-it-till-you-see-it/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

“Every single woman needs a little bit of money of her own” –Tess Waresmith61% of women would rather talk about death than money. Are you one of them? Let's change that! Money is regularly on my growth edge, so I'm learning along with you about something I feel like I should know more about — investing.I'm excited to talk with financial educator and investor Tess Waresmith. It feels like women are playing catch up when it comes to money, and Tess wants to reduce the gender wealth gap. Even if you feel like you are living paycheck to paycheck, this applies to you. And if you've heard that the younger the start the better, there are still benefits to starting if you are 50 or older.I always say planning is deciding in advance, and you ask for your future self. Investing is another way of taking care of your future self. And Tess explains why you need to know the basics—even if you decide to outsource your investing.We talk about: Why you don't need a dollar for dollar budget and what you need insteadHow to invest money if your income varies from month to monthHow to actually invest without having to time things right and pick the right stocksMultiple benefits of making small investments regularlyWhether you should invest or pay off debt firstAge and whether it's too late (it's not!)ABOUT TESSTess is a speaker, financial educator, and the founder of Wealth with Tess, a financial education community that helps women learn how to grow their money using simple investing strategies so that they can retire comfortably and live life on their terms.After losing thousands in investing mistakes in her 20's, Tess learned everything she could about wealth building and built her net worth from 0 to 1 million as a single 35 year old woman. Tess has recently been featured as a financial expert on Business Insider, Fox 5, and has over 70,000 followers across social channels.Now she's on a mission to reduce the gender wealth gap and help more women reach financial independence through simple investing education. Thousands of women have attended her free investing workshops and hundreds of women have joined her small group coaching programs to learn how to take control of their money. Tess believes that more money in the hands of women is magic.LINKShttps://www.instagram.com/wealthwithtess/https://www.linkedin.com/in/tesswaresmith/https://www.moneyconfidentclub.com/foundersDOABLE CHANGESAt the end of every episode, we share three doable changes, so you can take what you've heard and put it into action. Action is how change happens.Often we feel like our actions have to be huge to match the bigness of our desires, but we have seen over and over and over again that the little things add up. By stacking up a series of Doable Changes, you will create that big change that you crave. Choose the one that really resonates with you this week and really make it part of your life. Here are Three Doable Changes from this conversation:GET INTENTIONAL ABOUT SPENDING. You don't need to have a complicated spreadsheet for a budget. Start paying attention to where your money goes. Identify the key buckets your spending fits into. How much income is going to necessary expenses? How much is extra? Where does that money go? Is what you are spending on important to you? Could you move some of it to the future you bucket?START AN

Most people think saving every penny is the key to financial security. But what happens when saving isn't just a strategy—it's an obsession fueled by fear? In this raw and unfiltered episode, I sit down with Tess Waresmith from Wealth with Tess, who opens up about how childhood money fears shaped her into a compulsive saver. She believed hoarding money was the only way to feel safe—until she realized that true financial freedom required more than just saving. In this episode, we dive into: How childhood money fears shape our financial decisions as adults Why compulsive saving can be just as limiting as overspending How she broke free from fear-based money habits and started building wealth How women are conditioned to feel guilt and fear around money—and how to reclaim your power If you've ever felt stuck in a scarcity mindset, afraid to spend, or unsure how to make your money work for you, this episode is a must-listen. Grab Your Copy of My Book! My new book, Unraveling Your Relationship with Money, is officially here! If money has ever felt stressful, confusing, or out of your control, this book is going to change everything for you. It's time to stop playing small and start owning your financial future. Grab your copy HERE -http://www.everyonestalkinmoney.com/book Listen & Subscribe: Don't miss the rest of the Unravel Your Relationship with Money Mini Summit! Hit subscribe and get ready for more deep, unfiltered money conversations all month long. Connect with Us: Follow Tess on Instagram: @wealthwithtess Follow me on Instagram: @shannahgame Share this episode with someone who needs to hear this, leave a review, and tag us on Instagram so we can shout you out! Learn more about your ad choices. Visit megaphone.fm/adchoices

Episode 307 features Tess Waresmith of Wealth with Tess! We're discussing how to start investing. Listen now!Tess Waresmith is an investing educator and founder of Wealth with Tess, a financial education community that helps millennial women learn how to grow their money using simple investing strategies so that they can retire comfortably and live life on their terms.After losing thousands in investing mistakes in her 20's, Tess learned everything she could about wealth building and built her net worth from 0 to over 1 million as a single 35 year old woman. Tess's story and business was recently featured on Business Insider and Fox 5.Now she's on a mission to reduce the gender wealth gap and help more women build wealth through digestible, judgement and jargon-free education. Thousands of women have attended her free investing workshops and hundreds of women have joined her small group coaching programs.For full episode show notes, visit here.Watch the full interview on our YouTube channel! Subscribe here.My new book is officially available to buy! Order Financially Lit! Today!Want our merch? Get yours here!Check out this YQD™ Sponsor:BetterHelp—Professional support when you need it, at a fraction of the cost of in-person therapy. Get 10% off your first month with our sponsor: https://betterhelp.com/dinero Become a member at https://plus.acast.com/s/YoQuieroDinero. Hosted on Acast. See acast.com/privacy for more information.

Tess's Free Finance Courses Here!http://Www.moneyconfidentclub.com/foundershttp://Www.moneyconfidentclub.com/401kTess's Instagram - https://www.instagram.com/wealthwithtess/?hl=enUnlock the secrets to managing personal finance as we sit down with Tess, a remarkable financial educator who brings a unique perspective from her journey as an aerial acrobat to a financial advocate. This episode of The Shift Show promises to transform your approach to money management, especially if you're a new graduate feeling burdened by student loans. Tess's insights cover everything from strategic debt repayment to maximizing retirement contributions, providing a roadmap for achieving financial stability and personal freedom.Tess's story is an inspiring testament to the power of aligning your financial strategies with personal values. Our conversation touches on the emotional stress of large debts, particularly for healthcare professionals starting their careers. With her guidance, we discuss practical steps like building an emergency fund, automating payments, and navigating the complexities of 401(k)s and IRAs. Tess sheds light on the importance of self-compassion and breaking down financial goals into manageable tasks, making financial literacy both accessible and empowering.Throughout the episode, we explore the psychological complexities of money management and the necessity of informed decision-making. Tess emphasizes simple, jargon-free education, making complex investment concepts digestible for everyone. Whether you're just beginning your career or planning significant life events, her advice on using tax-advantaged accounts, leveraging compound interest, and understanding financial cycles is invaluable. Join us to learn how to take control of your financial future with confidence and clarity.https://shiftmovementscience.com/bundles/ We appreciate you listening! To learn more about SHIFT, head here - https://shiftmovementscience.com/To learn about SHIFT's courses, check our website here - https://courses.shiftmovementscience.com/Also, please consider rating, reviewing, and sharing the podcast with your friends! Thanks :)Thanks for listening to The SHIFT Show!Check out SHIFT's most popular courses here! https://courses.shiftmovementscience.com/Want to join our online educational community of over 1000 gymnastics professionals and get 40+ hours of gymnastics lectures? Join The Hero Lab below!https://shiftmovementscience.com/theherolab/ Check out all our past podcast episodes here!https://shiftmovementscience.com/podcast/

Let's dive into the mindset shifts that can help you unlock more abundance in your life. If you've felt stuck in patterns of scarcity or find it challenging to believe there's enough success, wealth, or opportunity to go around, this episode is for you. We'll explore practical strategies to reframe your thoughts, build a positive relationship with money, and embrace a mindset that opens doors. Get ready to challenge your beliefs and make space for abundance in ways you might not expect! EPISODE LINKS:

In this episode, we're uncovering the secrets to building wealth with financial educator Tess Waresmith, founder of Wealth with Tess. Tess didn't grow her million-dollar net worth by having a huge salary or a partner to share expenses, she did it through smart, simple investing. Whether you're new to managing finances or feel overwhelmed by the idea of investing, Tess breaks down the steps in a way that feels achievable and empowering. From understanding what net worth really means to creating a financial plan that works for you, this conversation will give you the confidence to take control of your money and start growing your wealth today. EPISODE LINKS:

In this episode of Everyone's Talkin' Money, we're diving into the real talk on how to actually hit that million-dollar mark with Tess Waresmith, who did it herself—and she's here to spill all the secrets. Tess explains how shifting your money mindset can fast-track your wealth, why index funds are your best friend, and how compound interest can make your cash work harder than you ever could. Plus, she'll school you on cash flow management, using tax-advantaged accounts like IRAs and 401ks to your advantage, and why hitting your first $100K is the real game-changer. Get ready to hear about the investing mistakes you want to avoid and the strategies that actually work so you can stop chasing trends and start building wealth your way. This is the no-BS guide to creating financial independence—if you're ready to take actionable steps and level up, this episode is for you! LINKS Free mini-course - Journey to Financial Independence - includes cash flow analysis sheet, compound interest calculator, and more! Compound Interest Calculator Tess's instagram - @wealthwithtess CONNECT WITH SHANNAH FREEBIE: Show Me the Money Workshop  FREEBIE: She's Got Wealth Workshop Looking for Money Coaching? Book a complimentary 20-minute call with Shannah to learn more https://savvycal.com/everyonestalkinmoney/comp  Healthy Wealth Program for Women https://etmpod.link/healthywealth   Follow me on Instagram SPONSORS Thanks to Money Picked for sponsoring the show. To schedule a FREE meeting to figure out your next financial steps, go to http://www.moneypickle.com/etm.  Thanks to ASPCA for sponsoring the show. To explore coverage, visit ASPCApetinsurance.com/ETM. Thanks to Mint Mobile for sponsoring the show. To get your new 3-month premium wireless plan for just 15 bucks a month, go to http://www.mintmobile.com/ETM . Thanks to Notion for sponsoring the show. Notion is my go-to tool for managing notes, to-do lists, and action items. You can try Notion for free at Notion.com/ETM. Thanks to OneSkin for sponsoring the show. Get 15% off OneSkin with the code ETM at https://www.oneskin.co/  Thanks to Quince for sponsoring the show. Go to http://www.quince.com/etm for free shipping on your order and 365-day returns.  Thanks to NerdWallet for sponsoring the show. Don't wait to make smart financial decisions. Compare and find smarter credit cards, savings accounts, and more today at www.nerdwallet.com. Thanks to Monarch for sponsoring the show. ​​After trying out Monarch for myself, I understand why it's the top-rated personal finance app. Listeners of this show will get an extended thirty-day free trial when you go to www.monarchmoney.com/ETM.  Thanks to EarnIn for sponsoring the show. Just download the EarnIn app in Google Play of the Apple App store and use code Talkin Money under Podcast. Thanks to Noom for sponsoring the show. Start taking control of your weight management and join the millions who have lost weight with Noom. Sign up for your TRIAL today at www.noom.com.   Thanks to ButcherBox for sponsoring the show. Sign up today at www.butcherbox.com/etm and use code ETM to get $20 off your first order. Thanks to DelelteMe for sponsoring the show. Today get 20% off your DeleteMe plan when you go to www.JoinDeleteMe.com/ETM and use promo code ETM at checkout.  Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, Tess Waresmith shares her incredible journey to achieving financial independence by the age of 35. Discover how Tess overcame financial fears, navigated investment mistakes, and built a thriving business teaching women simple strategies for financial freedom. We dive into topics like financial literacy, wealth-building tips, core money beliefs, and the FIRE movement. Tess also addresses common myths that women face when it comes to investing and provides actionable advice for anyone looking to take control of their financial future. Whether you're just starting out or looking to improve your money mindset, this episode is packed with valuable insights! Disclaimer: Not advice. Educational purposes only. Not an endorsement for or against. Results not vetted. Views of the guests do not represent those of the host or show. Do your due diligence. Click here to join PodMatch (the "AirBNB" of Podcasting): https://www.joinpodmatch.com/drchrisloomdphd We couldn't do it without the support of our listeners. To help support the show: CashApp- https://cash.app/$drchrisloomdphd Venmo- https://account.venmo.com/u/Chris-Loo-4 Spotify- https://podcasters.spotify.com/pod/show/christopher-loo/support Buy Me a Coffee- https://www.buymeacoffee.com/chrisJx Click here to schedule a 1-on-1 private coaching call: https://www.drchrisloomdphd.com/book-online Click here to check out our e-courses and bookstore here: https://www.drchrisloomdphd.com/shop Click here to purchase my books on Amazon: https://amzn.to/2PaQn4p For audiobooks, visit: https://www.audible.com/author/Christopher-H-Loo-MD-PhD/B07WFKBG1F Follow our YouTube channel: https://www.youtube.com/chL1357 Follow us on Twitter: https://www.twitter.com/drchrisloomdphd Follow us on Instagram: https://www.instagram.com/thereal_drchrisloo Follow us on Threads: https://www.threads.net/@thereal_drchrisloo Follow us on TikTok: https://www.tiktok.com/@drchrisloomddphd Follow our Blog: https://www.drchrisloomdphd.com/blog Follow the podcast on Spotify: https://open.spotify.com/show/3NkM6US7cjsiAYTBjWGdx6?si=1da9d0a17be14d18 Subscribe to our Substack newsletter: https://substack.com/@drchrisloomdphd1 Subscribe to our Medium newsletter: https://medium.com/@drchrisloomdphd Subscribe to our email newsletter: ⁠https://financial-freedom-for-physicians.ck.page/b4622e816d⁠ Subscribe to our LinkedIn newsletter: https://www.linkedin.com/build-relation/newsletter-follow?entityUrn=6992935013231071233 Thank you to our advertisers on Spotify. Financial Freedom for Physicians, Copyright 2024 --- Support this podcast: https://podcasters.spotify.com/pod/show/christopher-loo/support

Episode #189: Building Wealth And Financial Confidence Join us today as Colleen Interview's Tess Waresmith on Take the Leap. In this episode, we dive deep into the often-overlooked topic of women and investing, and Tess shares her inspiring journey from losing $80K in a bad investment to building her net worth to over a million dollars as a single woman. Here are three key takeaways from our conversation that I believe every woman (and man!) should hear: Financial Education is Empowering: Tess emphasizes that most of us didn't receive a proper financial education growing up. This lack of knowledge can lead to feelings of shame and inadequacy when it comes to managing our money. However, Tess encourages us to take responsibility for our financial education. By learning the basics of investing, we can make informed decisions that will positively impact our financial futures. Remember, nobody cares about your money more than you do! Investing is Accessible: One of the biggest misconceptions is that investing is complicated and only for the financially savvy. Tess breaks this myth by explaining that you don't need to be an expert to start investing. Just like learning to drive a car, you only need to understand the basics to get started. Tess offers simple, digestible programs that can help anyone, regardless of their financial background, learn how to make their money work for them. Start Small, Think Big: Many people hesitate to invest because they believe they need a large sum of money to start. Tess reassures us that even starting with a small amount, like $100 a month, can lead to significant growth over time thanks to the power of compound interest. It's not about how much you start with; it's about starting the journey and being consistent. I encourage you to listen to this episode and gain insights that could transform your relationship with money. Whether you're just starting out or looking to refine your investment strategy, Tess's wisdom is invaluable. To connect with today's guest:Tess Waresmith Instagram - https://www.instagram.com/wealthwithtess/ Savvy Investor Starter Pack for Female Founders - https://www.moneyconfidentcoach.com/savvyaf?utm_source=partner&utm_medium=podcast&utm_campaign=colleen To connect with the host: Colleen Biggs https://colleenbiggs.net/ Consider Colleen to speak at your next event or host your next Business retreat! Join the Leap Community so you can Step Into the Spotlight, be seen, be heard and be visible today! https://colleenbiggs.net/community/ Subscribe to our podcast for more amazing episodes https://podcasts.apple.com/us/podcast/take-the-leap/id15033595 Join us for the NEXT Empower & Elevate Conference November 15th https://colleenbiggs.net/empower/ Thank you to our Sponsor of today's show: Peacefull Living Why do we allow stress to compound in our lives, affecting our sleep and our daily rituals? The truth is, we all live with stress, but imagine what it would feel like to not suffer from stress. Are you ready to feel better, sleep better, and change your overall relationship with tension? PeaceFull Living can help you bring more peaceful moments into your day. PeaceFull Living offers simple tools, livestream and on-demand classes, and a customized Self Care Success plan. Imagine if you had simple ways to slow down and restore your energy without taking big chunks of time away from your schedule. We know it's possible. We're here to help, and founder Roberta Hughes will be your guide each step of the way. Visit PeaceFull Living at bit.ly/peacefullliving to begin your journey with a free membership! Use code LEAP to receive your first month free.

Welcome back to part two of our enlightening conversation with investing educator Tess Waresmith! In this episode, Tess and Shannon continue their deep dive into the world of investing for entrepreneurs.   Tess shares her insights on how to start investing, even if you feel like you don't have extra cash flow. She breaks down the power of compound interest and how small, consistent investments can lead to massive returns over time. Shannon and Tess also explore the emotional barriers that hold people back from investing and provide practical tips for overcoming them.   Whether you're just starting your business or looking to level up your financial game, this episode is packed with actionable advice to help you grow your wealth.   Tess is an investing educator and founder of Wealth with Tess, a financial education community that helps millennial female founders in their 30's and 40's, learn how to grow their money using simple stock market investing strategies so that they can retire comfortably and live life on their terms.    After losing thousands in investing mistakes in her 20's, Tess learned everything she could about wealth building and used simple investing strategies to build her net worth from 0 to over 1 million by 35 as a single woman. Tess's story and business was recently featured on Business Insider.   Now she's helped thousands of women take control of their money and learn how to invest (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 online beginner investing program, and she regularly shares simple money and investing tips on Instagram at @wealthwithtess so be sure to give her a follow there.   Free Beginner Investor Starter Pack   What you'll hear in this episode: 05:08 Millennials share financial lessons to empower others. 09:10 Start early, manage cash flow, plan ahead. 12:37 Investing $50/month can change wealth mindset. 15:41 Outpace escalator speed to reach financial goals. 17:02 Paying off mortgage vs. investing $500. 20:10 Consider return on investment for business decisions. 24:03 Save money for flexibility, reduce anxiety.   If you like this episode, check out: What's the Best Way to Pour Money Into Your Business? Introducing Money to Kids: Where Do You Start? 4 Steps to Start Your Investing Journey with Tess Waresmith   Want to learn more so you can earn more? CFO On Demand click here Visit keepwhatyouearn.com to dive deeper on our episodes Visit keepwhatyouearncfo.com to work with Shannon and her team Watch this episode and more here: https://www.youtube.com/channel/UCMlIuZsrllp1Uc_MlhriLvQ Connect with Shannon on IG: https://www.instagram.com/shannonkweinstein/   The information contained in this podcast is intended for educational purposes only and is not individual tax advice. Please consult a qualified professional before implementing anything you learn.

Are you ready to start thinking like an investor? In today's episode, we're joined by special guest Tess Waresmith, an investing educator and founder of Wealth with Tess. Tess is on a mission to empower people, especially women, to take control of their finances through simple investing strategies.   Tess shares her personal journey of overcoming costly investing mistakes made in her 20s that stemmed from blindly trusting a financial advisor without really understanding how her money was being invested. This negative experience fueled her passion to educate others so they can grow their wealth and avoid similar pitfalls.   Shannon and Tess dive into the importance of gaining a basic financial education, even if you eventually want to outsource your investing to professionals. They discuss the power of identifying as an investor and adopting an ownership mentality from a young age.   Tess is an investing educator and founder of Wealth with Tess, a financial education community that helps millennial female founders in their 30's and 40's, learn how to grow their money using simple stock market investing strategies so that they can retire comfortably and live life on their terms.    After losing thousands in investing mistakes in her 20's, Tess learned everything she could about wealth building and used simple investing strategies to build her net worth from 0 to over 1 million by 35 as a single woman. Tess's story and business was recently featured on Business Insider.   Now she's helped thousands of women take control of their money and learn how to invest (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 online beginner investing program, and she regularly shares simple money and investing tips on Instagram at @wealthwithtess so be sure to give her a follow there.   Free Beginner Investor Starter Pack   What you'll hear in this episode: 05:16 Real estate investment, ROI, financial advisor fees. 07:57 Podcast host reflects on aerial acrobatics analogy. 10:37 Basic education empowers better financial decision-making. 13:31 Start investing early, even with small amounts. 16:37 Many people are investors in various ways.   If you like this episode, check out: What's the Best Way to Pour Money Into Your Business? Introducing Money to Kids: Where Do You Start? 4 Steps to Start Your Investing Journey with Tess Waresmith   Want to learn more so you can earn more? CFO On Demand click here Visit keepwhatyouearn.com to dive deeper on our episodes Visit keepwhatyouearncfo.com to work with Shannon and her team Watch this episode and more here: https://www.youtube.com/channel/UCMlIuZsrllp1Uc_MlhriLvQ Connect with Shannon on IG: https://www.instagram.com/shannonkweinstein/   The information contained in this podcast is intended for educational purposes only and is not individual tax advice. Please consult a qualified professional before implementing anything you learn.

Episode #225 features the inspiring Tess Waresmith! Tess takes us on her journey to financial independence, sharing the invaluable lessons she learned along the way. She dives into her diversified investment portfolio, which spans stocks, real estate, art, commodities, and even angel investing. Tess emphasizes the importance of taking action, embracing mistakes, and the power of long-term investing. In this episode, Tess also talks about breaking down limiting beliefs around money and why financial education is key to overcoming fear and misconceptions. She encourages women to take control of their finances and use money as a tool for security, independence, and impact. Whether you're working a W-2 job or diving into entrepreneurship, Tess's insights on wealth building, networking, and staying curious will resonate with anyone looking to elevate their financial game. Tune in for practical advice, motivation, and the resources you need to start your own journey to financial freedom! RESOURCESDo you need financing for your next home or investment property purchase? Click HERE to schedule a pressure free consultation call with our personal mortgage lender Travis David of CMG Home Loans. He will help assess your current situation and will work with you to map out a plan for the future! ** Looking to buy real estate WITHOUT bank loans, credit, or significant cash? Click HERE to schedule a call with creative finance coaches Jenn and Joe DelleFave. **Click HERE to download Backflip, the all-in-one app for real estate investors. Backflip allows you to analyze deals, run comps and even apply for loans in seconds. The best part is, it's FREE.**If you enjoy the show, please leave us a review on Apple Podcasts or Spotify! It takes less than a minute and makes a huge difference in helping us land high profile guests to best serve our audience. Previous Guests Include:Brandon Turner, Tarek El-Moussa, David Greene, Tony J. Robinson, Mike Ayala, Jamie Gruber, Robert Croak, Mark Simpson, Chad “Coach” Carson, Heather Blankenship, Tim Bratz, J. Scott, Matt Faircloth, Michael Elefante, Devon Kennard, Paula Pant, Jake Harris, and Avery CarlSocial Channels:Instagram: instagram.com/wealthjuiceofficialYouTube: youtube.com/@wealthjuiceofficial**Disclaimer: The information provided on this podcast is for educational and informational purposes only. It should not be considered as financial advice or a recommendation to buy or sell any financial instrument or engage in any financial activity. The content presented here is based on the speaker's personal opinions and research, which may not always be accurate or up to date. Financial markets and investments carry inherent risks. Individuals should conduct their own research and seek certified professional advice before making any financial decisions. The links in the episode descriptions may include referral or affiliate commissions, and we may receive compensation from partner websites.

This week, Financial Coach, Tess Waresmith, joins the Glow Up, Gyrl podcast. During this episode, she will delve into various aspects of financial investments and money management. Tess specializes in empowering women by transforming their mindset and relationship with money. She offers straightforward strategies designed to unlock financial freedom and success for her clients. Connect with Tess: Website: https://www.wealthwithtess.com/  Instagram: https://www.instagram.com/wealthwithtess/ Free Course: https://www.moneyconfidentcoach.com/5-day-summer-money-bootcamp-journey-to-fi1719697201469?utm_campaign=bio&utm_medium=organic&utm_source=instagram  Have a topic you'd like Kyra to cover or know someone she should interview? Send an email to hello@glowupgyrl.com! — Stay connected to Glow Up, Gyrl! Follow us @glowupgyrl for more updates! Visit glowupgyrl.com for more podcast episodes. Watch podcast episodes on our YouTube channel. Chat with us via email at hello@glowupgyrl.com.

Ready to start investing but have no idea where or how to start? Look no further than this week's value packed episode of The Money Love Podcast. This week Paige is chatting with Tess Waresmith, investing educator and Founder of Wealth with Tess all about how to start investing. This conversation will completely shift the way you view investing from being something that is ellusive and intimidating to something that is approachable and exciting.  We're breaking down how you can start investing on your own without the assistance of a financial advisor, when you know you're ready to start investing, how to open an investment account, which funds to put your money in and why investing for the long-term is so important. Be ready to leave this episode feeling empowered and ready to embark on your investing journey. Make sure to connect with Tess using the links below. Enjoy!     Find and Work with Tess: Register for her investing workshop on July 30th - 31st HERE Download Her Savy Investor Starter Pack Visit Her Website Follow Her On Instagram: @wealthwithtess Books Mentioned In This Episode: I Will Teach you to Be Rich - Rami Sethi A Simple Path to Wealth - JL Collins   START HERE:  FREE MASTERCLASS: Why You Impulse Shop & How To Stop Get Paige's Money Recommendations     Work with Paige: Join the Overcoming Overspending Membership HERE Use code “MLP30” at checkout to save $30 on your first month inside the membership    Where you can find Paige online: Website: https://www.overcomingoverspending.com  Instagram: @overcoming_overspending TikTok: @overcoming_overspending

The transformative power of taking control of your finances, and the impact it can have on your life. Meet Tess, a determined woman who discovered just that. In this episode, Tess shares her journey of mastering her financial future. Through her inspiring storytelling, she reveals how taking charge of her finances has transformed her life and empowered her to achieve her dreams. Reflect on your own financial habits and learn practical tips to take control of your financial destiny.

Today's 'Fuck Yeah Friday' highlights personal victories and community successes. Discover how Jeanne expertly navigates pricing strategies and learn about Adrienne's proactive financial adjustments, alongside exciting updates on the OPC Summer Camp. Lesley emphasizes the importance of celebrating wins, no matter the size, showing how even small actions can make a significant impact. End your week on a high note with a special affirmation to uplift and inspire you to Be It Till You See It.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:Jeanne manages price adjustments and cancellations effectively.Adrienne improves financial planning and personal achievements.Exciting details and early announcement to kick off OPC Summer Camp.Why celebrating all wins, big or small, is crucial for positive impact.Episode References/Links:Tess Waresmith EpisodeOPC Summer Camp  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:Lesley Logan 0:00  It's Fuck Yeah Friday. Brad Crowell 0:01  Fuck yeah.  Lesley Logan 0:02  Get ready for some wins. Lesley Logan 0:05  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.  Lesley Logan 0:46  Hey, Be It babe, Happy May 17th. How are you? Welcome back to The Fuck Yeah Friday episode. This is where I share wins of yours, wins of mine and an affirmation to kickstart our weekend because there are always things that are good that are happening in your life even when the (ish) has hit the fan, there's something good that's going to come from everything. So there's always balance and what we need to focus on is the good stuff because there's plenty of bad. Your friends will tell you all the bad you don't have to like focus on that. Lesley Logan 1:12  So here is a win from Jeanne Cho, she's an Agency member and her FYF. Sent out price increase emails this week, only received one negative response but handled it graciously and she's someone that makes sense to let go of. A few clients that express understanding. Today was my fifth Friday starting work in the ideal schedule at 9am after taking my daughter to school. Two clients late-cancelled so one immediately said she understand the need to charge her. The second is a new client who not only said the price increase is fine but also fine with the late cancel charge. Now that I have these two cancels I have more time in my day to recover and work on gemstones. Bumped into a sexy fling from last summer, now that I'm not interested he keeps reaching out. Love how the universe works. So many great wins in here Jeanne. So Jeanne, whenever you do a price increase it can be so, so scary. And also charging for late cance can be scary. But these are businesses that you're running, whether you're a Pilates instructor or not, anything that you are doing that you have to pay taxes on is a business, you have to treat it like one. Otherwise, it's called a hobby and then they don't let you do it anymore. So go, Jeanne. Lesley Logan 2:15  All right, this one is from Adrienne McCaskey. She's also one of our Agency members. And I got to meet her at the winter tour. So I just am so excited. She said FYF, some simple and yet monumental milestones this week, following the webinar with Tess last month, pause, Tess Waresmith was a guest on the podcast. And so, this is the Tess that she's talking about and we had her in the Agency to do a webinar. So, here we go. Adrienne's win. Following the webinar with Tess last month, I'm evaluating my financial and retirement accounts and opened an HYSA, a CD and savings accounts for my kids. Worked with my insurance agent and switched companies around based on liability policies and still getting the coverage I need while saving $600 plus annually. Finally achieved my goal of adding a blog to my website and made my first post this week and have drafts up for the next two written, nearly ready to go. Scheduled an overdue massage for late this month, made time to volunteer at my son's classroom twice this week. And it meant so much to both of us. Did two OPC workouts this week. Made the conscious decision to let go of a new-ish client that was requiring a lot of attention and sapping my energy. And the next day I received a message from someone who wants to start and fits my ideal client. Whoo, go, Adrienne, you are amazing. Those are monumental milestones. Those are so, so, so cool. I love sharing these wins. So make sure you send your wins. And so we can celebrate them. Because when you hear them, you get to really celebrate the thing that you did. It's so cool. Lesley Logan 3:33  All right. We've had a lot of things going on around here, I'm super, super excited to share that we have been able to kick off the OPC Summer Camp. That is a really big deal. I mean, we made it bigger and better than ever, 14 teachers, right? So I'm one of them. But we corralled 14 teachers and topics and we wanted to get it announced as early as possible. And so I'm just so proud of the team for all the work they've done to get this and also another win and part of it was like we've always wanted to be able to do a day pass to make something like really affordable for people. And we finally figured a way to do that and pay all of our teachers out accordingly. So it has been something we've been working on for almost a year. And so I'm just so, so proud of things, and I share it with you like it's not even complete guys. The win is just that it's announced. I will have another one in June when it is complete. But the win is that it's announced. Wins like this are really impactful because they include not just me, but so many other people and then their impact is even bigger than all of us and that is what we always focus on here. And so another way to think about you know, why you should celebrate your wins is to celebrate the small things. Because to celebrate the impact you're trying to make on this planet, every single one of us whether you work for yourself or you work for someone else, you are making an impact on people's lives and you can celebrate. You can have a win that's like I opened the door for the person behind me and they were struggling with it. That's a fucking great win because you changed that person's day. If they had to like struggle to open the door it would have like set their whole day in a different direction. So anyway, that is why we celebrate some wins. So yay to my team and everyone who has been part of Summer Camp because the fact that we got it launched in April was a humongous, humongous win. And I can't wait to see what comes from Summer Camp when it finally is live in June. Lesley Logan 5:19  So, all right now, let's get you on your day. Let's get you on your road. Let's get you kicking off your weekend with an affirmation. Which one we're going to do today? Here we go. My sensitivity is beautiful and my feelings and emotions are valid. My sensitivity is beautiful and my feelings and emotions are valid. Say it with me one more time. My sensitivity is beautiful and my feelings and emotions are valid. Remember, there's a couple Be It Action Items that are like, feel, like, feel the affirmations in your body. So, hope you felt that somewhere and wherever you felt it was awesome. And thank you so much for being part of the Be It Till You See It podcast. You are wonderful. And I will see you next week. Lesley Logan 6:00  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. Lesley Logan 6:27  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 6:42  It's written, filmed, and recorded by your host, Lesley Logan, and me, Brad Crowell. Lesley Logan 6:47  It is transcribed, produced and edited by the epic team at Disenyo.co. Brad Crowell 6:52  Our theme music is by Ali at Apex Production Music and our branding by designer and artist, Gianfranco Cioffi. Lesley Logan 6:59  Special thanks to Melissa Solomon for creating our visuals. Brad Crowell 7:02  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

With Tess Waresmith, Financial Coach Do you want to start growing your income? Are you clueless when it comes to investing? Tess Waresmith is a financial coach who grew her net worth to over 1 MILLION dollars without a finance degree or formal training. In this episode, we learn how Tess became interested in personal finance, how she started to build her wealth, and how she helps others get out of debt and start building the wealth they have always dreamed of!  Listen now to learn how investing isn't as scary as you think, and learn the one tip Tess says everyone MUST do to increase their net worth. Episode links

In this reflective episode, Lesley and Brad unpack the wisdom behind Tess Waresmith's approach to financial literacy, focusing on the dual objectives of debt management and investing for your future. Drawing from Tess's experiences and their own insights, the hosts explore how to navigate the financial landscape with confidence. By highlighting the importance of understanding your financial standing and the potential of investments, this discussion offers a clear guide to anyone wanting financial security. 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 it's never too late to start your investment journey at any age. When you should prioritize debt repayment over investing.Why it's important to learn the basic fundamentals of investing. How journaling about money can transform your financial goals.Episode References/Links:May AcceleratorCambodia Feb 2025 Early BirdOPC Summer CampBest Pilates Reformer for HomeDiscount Links for Balanced Body's Equipment and ContrologyWealth with TessFree Workshop - 3 Keys to Making Money in the Stock Market  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:Lesley Logan 0:00  If your loans are under 7% just give yourself permission to just let them be and focus on having some fun investing and watching your money grow versus like watching like this student loan payment every month because that's just exhausting. Lesley Logan 0:14  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.  Lesley Logan 0:56  Welcome back to the Be It Till You See It interview recap where my co-host in life, Brad, and I are going to dig into the enriching convo I have with Tess Waresmith in our last episode. Brad Crowell 1:04  (Inaudible) enriching. Lesley Logan 1:05  Very much so. I thought it was an appropriate word. So great job team. If you haven't yet listened to that one, you're gonna want to, my dears, you really, really are. But you can listen to this one first and then go back and then listen to that one. Brad was saying before we hit record, or maybe you'll hear it already. We are at episode 353. Brad Crowell 1:24  That's amazing.Lesley Logan 1:25  That's insane. Lesley Logan 1:26  That is a, I mean, I never imagined. Lesley Logan 1:29  I know it's a lot. Wow. So way to go, team, 353. There are no balloons for this episode, but you know we are celebrating in our hearts. Today is April 11th 2024 and that is Dog Therapy Appreciation Day. So about this day, Dog Therapy Appreciation Day is celebrated on April 11th every year to appreciate the dogs who come for us by being therapy dogs. Therapy dogs go through a rigorous testing program before they become certified with their certification to become eligible to visit hospitals and nursing homes to give comfort to people. Therapy Dogs are usually at first pets who receive training and then become therapy dogs. Being around dogs makes everyone happy. And on this day we thank dogs are making us happier. It's true. They say if you want unconditional love get a dog. Because otherwise if you get a cat you just gotta remain. You never know what the cat you know. Some people's cats are loving, some people's cats are a little diva. Just saying. Just saying.Brad Crowell 2:26  My friend's cat knocks his stuff off of his table. It just sits there. Yeah, sits there and just p-p-p-p-poop funk knocks it off the table.Lesley Logan 2:36  Ah that's so funny. Brad Crowell 2:39  Yeah, pretty hilarious. Lesley Logan 2:41  So we've upcoming events so we want to share with you. So first of all, we're flying to your Sarasota today there's going to be a fun little private event to celebrate just mapping out you know, the podcast and her her app you can meet us at Pilates on tour at Phoenix, which is from Balanced Body on April 26th to the 28th so you can come see us in person we're gonna have a booth, we're gonna have flashcards. It's a huge event. It's a big, big party because Pilates anytime (inaudible)Brad Crowell 3:03  No dogs. I wish we could bring the dogs. Lesley Logan 3:05  We're not bringing the dogs. Brad Crowell 3:07  It's going to be so hot so we're not gonna bring them.Lesley Logan 3:09  (Inaudible) It's just that we're doing a booth and we cannot have three dogs at our tiny booth. Yeah. So. So you'll definitely want to check that out. I hope if you're coming already, let us know. And make sure you come up and say hi to us. Let us know what your favorite episode is. We love hearing that. We were just in Texas and people are sharing like quoting the episodes and they're quoting episodes like one and episode five and I was like wow, like yeah, we go back and listen, I was like, you're fucking awesome. Thank you so much. So ladies, hi. So fun to see you in person, you know who you are. In May we'll have the Accelerator for Profitable Pilates. This is the two-hour workshop that Brad leads where you actually get to learn how to accelerate your business, your studio and really, truly get to work on it in the workshop, which is really cool. He's going to teach you his 'accel' formula, which is about acquiring and cultivating and basically making clients for life and it's super, super fun. So you'll want to do that. Brad Crowell 4:03  Not just making class for life, like bringing them in making them class for life, but then setting them up so they invite their friends and family to come to your studio.Lesley Logan 4:12  Yeah, so you can go to PRfit.biz/acceleratorBrad Crowell 4:16  That's PRfit.biz/accelerator. Lesley Logan 4:19  It's also like $47. So it's really it's a no-brainer to say yes. Brad Crowell 4:23  If you're looking to jumpstart your business, come take this. Lesley Logan 4:26  Or you're still stuck. Go take it, right? And also in May. Brad Crowell 4:31  Yeah, this is really exciting news.Lesley Logan 4:33  First time sharing this on the pod. Brad Crowell 4:34  We're back. Lesley Logan 4:35  We're back. Okay, so the Cambodia retreat is sold out. Brad Crowell 4:39  Yeah. October 24 it sold out, y'all. I'm so excited. It's gonna be the most incredible trip. And because of it, we thought, well, we better get the next one ready.Lesley Logan 4:51  Yeah. So because actually people who are still wanting to come I actually was talking to some people were like, oh, February is even better for me. So that's great. So February 2025 early bird is going to open up in May. Again, waitlist.Brad Crowell 5:02  Yeah, it's going to be Feb 23 to 28, 2025. But we're gonna do the the earlybird in May of this year. Lesley Logan 5:09  Yeah, so waitlist. You've got to be on the waitlist. Brad Crowell 5:11  Get on the waitlist.Lesley Logan 5:11  If you're not on the waitlist, you don't find about this early bird. Brad Crowell 5:13  That's right. Get on that waitlist.Lesley Logan 5:14  You've got to be on the waitlist. And it's a limited time early bird by the way, so. Brad Crowell 5:17  Yeah, it's only going to be two weeks, y'all.Lesley Logan 5:19  So you want to go to lesleylogan.co/retreats. My name is spelled L-E-S-L-E-Y.Brad Crowell 5:24  And that's retreats, plural, plural. Yeah, lesleylogan.co/retreats.Lesley Logan 5:30  And then coming up in June, right around the corner is going to be our summer camp. And it's huge. You guys, we are looking at eight events each day, 16 events for summer camp. Oh my god, this is a huge dream. I'm so, so excited.Brad Crowell 5:45  If you can't be on 10 hours of Pilates classes. That's okay. Because the cool thing about summer camp is you'll be able to keep the, the replays. Lesley Logan 5:55  Yeah, you get the replays for life, which is amazing. And so if you can't be there for the first weekend of June live, you can just buy them while they're on early bird. And by the way, Early Bird really gets the worm on this one because our OPC members get the best early bird. And then if you're on the waitlist, you get the next best early bird. And if you're not on the waitlist, you get the next best early bird which is not as good as any other early bird. So you want to go to opc.me/events, plural, events plural. So opc.me/events to get on the waitlist, if you're an OPC member, you don't need to get on the waitlist, just make sure you're watching your inbox and the community for when you're when your window opens up to sign up.Brad Crowell 6:35  Just a super sneak peek on that not only we're gonna have a bunch of amazing teachers coming in and guest teachers. But also, this is like a big event for us, y'all. This is a big deal. I anticipate there being a ton of people participating. We took a look at last year how we ran everything and we decided this year, we're going to shift it up, we're actually going to offer day passes. And that is going to be the best possible rate. And you don't want to miss the day passes. It's going to be awesome. So great, great stuff. We're really fired up. And can't wait. So yeah. opc.me/events. So this week, we did have an audience question from YouTube. Sophia asked, 'What kind of reformer length should I have for someone who is six foot tall? Lesley Logan 7:18  Yeah. Yeah. So also, there's another Pilates question I didn't want to bring in the brand name, But she was like, I'm looking at this brand name, and it seems really pricey. And I looked it up and it was only $2,000. And I had to say that's actually really expensive for a good reformer. However, I still wouldn't get it. So I let Sophia know that. But what I will say for all of you, if you are six feet tall, you can still operate on an 80-inch reformer, it's when you get above 6'3, that you're going to want to be more than 86-inch reformer. And why these things matter is just because it's, it'sBrad Crowell 7:52  It's physics. It's literally like geometry. It's physics.Lesley Logan 7:55  Well, it's also like, when you press your legs too straight, you hit the end of the reformer. And if you're too tall, your legs don't get too straight. And it's and I will say just for the record, actually never care if the knees get straightened footwork, I only care that the hips open up the front of the hips open up so you could still be on too short reformer, that wouldn't be fun. So I would say you can, Sophia, you probably still could do the Contrology 80-inch but you might enjoy it in 86-inch for anyone under six feet tall, the 80-inch is going to be so awesome. Like, I'm five nine and gets towards spine a little tricky. I have to start at a harder spot. But oh my God, I love the support of the straps. Because again, physics where the strap hits the reformer and into the springs is a shorter distance than on an 86-inch so that's why I love it.Brad Crowell 8:40  And also I know you still work with pro football players on an 80-inch.Lesley Logan 8:45  I did, I did. They were 6'3" or shorter. So they were totally fine. Brad Crowell 8:49  If you're working with basketball, people who are 6'10" and seven-foot. Lesley Logan 8:52  I think they're like seven foot now. But also like if you are working with a team of basketball players, then by all means, like go get there's bigger formers for that. But if you are working with one NBA player, and you have an 86-inch, you're gonna be fine. You'll just you can do other exercises that they can't do on the reformer somewhere else.Brad Crowell 9:10  You said 86-inch, you meant 80? Lesley Logan 9:12  No, they could do an 86-inch. Brad Crowell 9:14  But if they have only one basketball player? Lesley Logan 9:17  Yeah, I think well, the 80-inch is going to be a little tricky. Brad Crowell 9:20  Yeah, are you saying there's bigger than 86? Lesley Logan 9:22  Yeah, there's an 89. Brad Crowell 9:23  Oh, I didn't know that. Lesley Logan 9:24  There are some people that like 90-somethings don't do that you guys, there's no need. Again.Brad Crowell 9:28  Also the leverage, like the amount of you know muscle that's needed to be able to pull that strap. Yeah, is like gonna be really, really challenging, especially as your clients get older. Lesley Logan 9:38  I know shout out to Joanna, an eLevator, she's like I would have paid attention to our physics class if it was taught to me as like it's Pilates. Yeah. And it's true like, like every workshop I'm doing okay, so guys physics, right? So like, this if you do x and you try to do y the window chair is gonna fall over, but I truly like for mostly listening to this, I'm just gonna say 80-inches that's really, really awesome. It's just so, so great. And if you have to get an 86, that's fine as well. But you can check out on YouTube I have a whole video on the reformer for like which one to get for home. It's not one that slides underneath the bed. It's an 80-inch performer spoiler alert. But I go over all the different things you want to look at when it comes to choosing a reformer and why you want to make sure that you're not getting one with bungee cords or, or like one that goes underneath the bed because all these different changes affect how you can do the practice and what you can do. A reformer that's too low to the floor you can't do pulling straps, it's a basic, amazing exercise everybody needs to do. So you can watch that video. Brad Crowell 10:37  It's called Best Pilates Reformer for Home: How to Choose the Best Reformer for you. That's the video name. And that's just right on our YouTube channel.Lesley Logan 10:44  Yeah, yeah. So you can watch that, check it out. And then if you have questions about it let me know also, if you want a discount, we got it.Brad Crowell 10:49  Or you want me to clarify the YouTube channel, because we have one for the pod, it's on the Online Pilates Classes YouTube channel. Lesley Logan 10:55  Yeah. Do you know what that that URL is? I'll tell you guys, I got it memorized. It's really weird. youtube.com/@onlinepilatesclasses, because they go we're gonna give you a handle, it's like a social media thing. But you can't actually use the handle. You have to do youtube.com/@onlinepilatesclasses. Brad Crowell 11:12  It's because you can at mention people now in comments. They're really trying to get the community element going. Lesley Logan 11:16  Yeah, no one's recovering a million people's edits. Fine. Whatever. Anyway, Sophia, thank you for that question. And also you guys, we have discount links when it comes to purchasing Balanced Body's equipment, whether it's a Balanced Body line or the Contrology line. Brad Crowell 11:29  Yeah and sidenote, did you know, we have a YouTube channel for the pod? Lesley Logan 11:34  We do.Brad Crowell 11:35  If you like to watch these to watch this show, you can. We are actually on video. We're staring at each other in a video camera.Lesley Logan 11:43  Yeah, and all of our guests are on video. Brad Crowell 11:45  It's pretty cool. Lesley Logan 11:46  So cool. I hope you check it out.Brad Crowell 11:48  Yes, just go to the Be It Pod on YouTube. All right, now let's talk about Tess Waresmith. Tess is a financial advisor who turned an 80k loss into a million-dollar net worth by the age of 35, which is incredible. Her mission is to educate women on investing via Wealth with Tess, ensuring financial empowerment, literacy and independence. And I just want to throw in here, great remake on the bio, but she didn't go to college to study finance. In fact, she's an acrobat. And she literally was working on a cruise ship. And you know, that's how she, because she had no expenses literally, they pay for housing and food, so for the time she was on the ship, every penny she made, she was able to put in a bank account. And when she got back, she started investing and didn't really pay attention to it, and it went wrong. And she lost a lot of money. And that really made her angry. And so she started to educate herself. And today she educates others, which is super cool. Lesley Logan 12:48  She's so cool. We had her in the agency family, she did a webinar and we actually were able to put her webinar in our agency on-demand curriculum means anyone who comes into on demand or as a pro member for agency, gets to watch her incredible, incredible webinar, which I'm just so friggin grateful. Because then you could if you want to you can work with her. So here's the deal. I loved we talked about demystifying myths around investing because there's a lot of myths around investing. And one of the things we talked about was like that myth, it's too late to invest or catch up. I know for me, I'm always like, fuck, I should have started when I was 20. And I didn't start till I was 31. And like, you know, I look at it sometimes we just looked at with like these wealth advisors we're talking to and I'm like, how's it only that much? You know, how was it only that much?Brad Crowell 13:34  Yeah. It's also been in there for a long time and you were kind of cross-eyed, and like, really? Lesley Logan 13:39  And I also actually, because of Tess, I like I really was like, look at this and tell me what's going on. And they said, oh, it's that they're not being aggressive with it like you want it. And I was like, I literally, Brad and I literally had a call with them a year ago and said, make it, be aggressive. And they still didn't. So thank goodness for Tess and opened my eyes because now we know and we can move it. But anyways, she said age does not matter investing, it's never too late. Even if you've done some mistakes that are irreversible. She's like, if you're starting to take action, you still have time to make a massive difference. And she said, the longer you wait, the harder it is going to be to reach your financial goals. So like, basically going it's too late to invest is not, you got it, you can just start now and like it doesn't have to be too late.Brad Crowell 14:23  I feel like we need to even take a step back like this idea of financial goals is this like it's an amorphous not like thing. It doesn't make any sense. It like do people actually, obviously, more is better. Mo better, right? That's the way I've always thought of financial goals. But the more we've been educating ourselves about this, the more I'm realizing there is an actual number out there that you will want to you know, kind of go for over your career of making money. That's your entire life so that when you retire, you have enough money to live the lifestyle you want to live and it's like talking with Tess was really interesting because it allowed not only the podcast interview. Lesley Logan 15:04  She needs a podcast called Talking with Tess. Brad Crowell 15:06  Talking with Tess. Lesley Logan 15:07  I know she's Wealth With Tess, but like Talking with Tess Brad Crowell 15:09  It's pretty good. It's a good alliteration. But the like understanding the foundational elements of like a financial plan, and what does that even mean? What is this amorphous, like goal that you may or may not have yet? Like, and how do you start to go forward toward it? These are all the things that she begins to teach. And, you know, she's teaching I mean, and she, what was cool is, you know, there's a couple of different ways to do it. There's like the, you know, hire someone let them do it, right, for you and you're paying them the 1% thing, there are things you just like, buy it, never look at it ever again. And there's people who try to like actually play the stock market, right? Those are kind of the three different ways that you know, and she, she kind of, she has different programs that educate you through those things. And I thought it was really great, because maybe, depending on who you are, where you are, what your financial position is, and your goals are, you know, it depends on which avenue you may want to go. And then there are different things inside of that. I was poking around her website, if y'all can't tell. It's good. So yeah, I really loved that she said, a lot of people feel like they have to pay off all of their debt, even their mortgage or their student loans before they start investing. So this is myth number two. Myth number one was what Lesley said, it's, oh, it's too late for me, I didn't start when I was 20. So why even bother? No, wrong. Second one is you don't have to pay off all your debt before you begin investing. There is like a, like a generalization that if you're, if you have a loan, and it's less than 7%, you know, the on average, the money that you may invest in things is going to be like, not not in like, like, obviously, when I'm talking to savings account here, but it's going to be greater than 7% on average, over I think this is like over a 10-year period or something like that. Anyway, the point is this, if you have a credit card, it has 27% interest rate, and then you take all your money and you put it in the stock market, you're not going to be doing yourself any favors, you should be paying off the 27% interest rate right now, get that down. But if you have a mortgage or a school loan, and it's like 4%, right, then Lesley Logan 17:21  Let it be, just pay what you're supposed to pay. Brad Crowell 17:23  Yeah, pay what you're supposed to pay, feel free to add a little bit on top, that's fine. But like, you don't need to be dumping money onto that 4% loan, you'd be better off serving yourself by taking that money and investing it in a way that will bring you seven or 8% greater, you know, or whatever. And so, so the point is, if you have high-interest debt, then you do need, you want to get rid of that right away. That's the first primary and that could, right away could take a year or two. Lesley Logan 17:49  It could take up and also by the way, because I used to have a lot of credit cards and student loan debt and lived in California in LA with lots of things. I literally just took, I did the minimums on everything and paid off the highest interest rate bill I had, then I took that money and went to the next highest interest rate bill. And then I, it's like all the other ones I was just paying like like barely a little over minimum, because it's like, they're all more, they're all lower than this. And I have to get this one down. And I was able to take that money unto this one and that one, and I got out of my credit card debt faster than I actually thought because I was being very intentional about it it's kind of interesting how like, when you focus on it like, what you're able to do, and I paid my student loans off months earlier than I thought not even because I paid extra, I just actually had it set up, where I always paid the same amount no matter what the interest was, because I had this like interest rate, and it went down while I had them. But I kept paying the same amount. And so I had a higher payment going to the principal. So it goes it does go away. We just have to also not look at it like oh my god, I'm financially illiterate. I'm a stupid person for these things. No, like, you know what, guys? I wouldn't I want to live in a world where it doesn't cost $80,000 to go to a regular college, I would love to see that I would love to see a world where you don't have to go to college to be a fucking secretary. Like you don't need to. But we don't live in that world right now. So you just have to go I made these amazing choices. I probably met some incredible people. And I'm gonna make this payment, put it on auto pay and do some things. But also if the interest is under seven, which most student loans is and if the IRS is not, let's figure that out. But Brad Crowell 19:26  Yeah, just to clarify that statement. I want to put the descriptor word in that sentence a lot differently. You don't have to go to fucking college to be a secretary. Lesley Logan 19:36  No, you don't. You don't. Brad Crowell 19:39  The point is like you can make a living being a secretary you can make a living. You don't need to go to college to make a living. You can but you don't necessarily need to. Lesley Logan 19:49  Yeah, I say that because like, I definitely I now use my degree but like I use college as a way to get out of like my hometown and I'm grateful because I wouldn't be on this journey. And I wouldn't know the people I have if I hadn't done it. But also, also, I couldn't have done what I did in retail, which taught me what I needed to do to do business with Pilates. Anyways, so would I've been in business coach, maybe not, but that doesn't, that doesn't really matter. So I think it's just really important. Just to go back to, if you're, if your loans are under 7%. Just give yourself permission to just let them be. And focus on having some fun investing and watching your money grow versus like watching like this student loan payment every month, because that's just exhausting. Brad Crowell 20:34  So finally, let's talk about those Be It Action Items. Say it with me, y'all. What bold, executable, intrinsic or targeted action items can we take away from your convo with Tess Waresmith?Lesley Logan 20:45  I wonder if anyone does it? Anyone says it with you.Brad Crowell 20:47  If any of you say that with me every single week, I want to know, I want to know you needed the (inaudible)Lesley Logan 20:53  I know Mindy says the intro like she would if for SEO. She's got it memorized. (inaudible)Brad Crowell 21:02  That is amazing. Okay, cool. So as I was already alluding to, at the beginning of this pod, Tess actually educates people on the subjects and she's got some really approachable courses. It's like a one-month course where she works in small groups with people who are probably, you know, all in the same boat, she said, it's often very revealing, you know, learning the foundational understanding of investing of money about how it all works. And she said, it's very, very possible for you to learn this yourself. It's, it sounds intimidating, but that's only because we don't know what we don't know. Right? But when you begin to see when she you know, you lift the lid on it. She said it's not rocket science here. A lot of the investing that you know, that is happening, we probably could be managing it ourselves, instead of having an organization manage it for us, because they're taking fees that literally we don't need to do, we don't need them to take. Because if you're just setting it and forgetting it, there's really an opportunity for you to manage it yourself. So she said find out where you stand in the ecosystem of learning investment, like, are you trying to be complicated, then maybe you need a team to work with you. But if it's just a set it and forget it, you can make a smart decision. So as long as you know the options, and then you can choose how much money can you invest and watch how it grows. You can learn together, you know, with your partner with your family to be able to make intelligent financial decisions. Well, she said something I really light her fire is investing and teaching kids, right? So she said there's a there's a plan called a 529 plan, which that doesn't mean anything to me other than it's a number, where you can, as a parent, begin to put money into an account for your kids college fund. And if they choose not to go to college, down the road, it can roll into some other kind of a retirement plan.Lesley Logan 22:58  I know is that, that to me was so cool, that if they don't go to college, it can go into a retirement plan. So it doesn't have to be forced. I love it. I love their option.Brad Crowell 23:07  That's pretty rad. It's pretty, pretty rad. But how would you ever even know about this stuff? Right? So you gotta you gotta learn. So what about you?Lesley Logan 23:16  She said, so my biggest takeaway that I want to talk about is journaling on your relationship with money. And I, we and I, we both have done some stuff on this show. So we, of course, I love this because we've been, it was really revealing for us when we did it. So she said ask for, this is for my people who are like, what do I journal? Write this down. Okay she said ask yourself questions like, how do I feel when I make a money transaction? So, when you receive money or when you spend money how does it make you feel? Do I feel like there's an opportunity for me to make more money or not? Do I think I'm capable of learning how to invest? And she said if the answer is no, you need to DM her because she'll talk to you. She'll talk to you, and she's going to absolutely help you because she believes you are more than capable to do it.Brad Crowell 24:01  Yep. She said there was another thing before we wrap it up. She mentioned she often hears that people say they are or they are not, quote-unquote good with money. Oh, I'm not good with money anyway, so whatever, you know, like I just am doing my thing. And she said that this is like the honestly, from a, be it perspective, Be It Pod perspective, this is like the definition of negative self-talk, even though we don't even realize it, we are counting ourselves out from ever even learning the possibility or understanding that we could be good with money. Right? And we just assume that we don't have the quote-unquote golden touch, you know, that like maybe a (inaudible) investment banker has or whatever stock market person has, like they're good with money. You know, I'm not good with money. No, that's a story we're telling ourselves. Right? And that doesn't have to be the case. And it's also not that complex to learn how you can be good with money. And that's why we love to have this conversation with Tess.Lesley Logan 25:04  Yeah, she's great. I like want to spend more time with her. So thank you, Tess for helping us become really amazing and hyped up about money and investing. I really, I cannot wait for everyone to tell me how they're gonna use these tips in your life. And by the way, share this with a friend who like says they're not good with money or says that they wish that they understood the money matters in their household more like this is a really, Tess can really help so many women in your life. So. Brad Crowell 25:31  Yeah, we'll put her link in the show notes. Lesley Logan 25:32  Yeah, so do that right now. And until next time, I'm Lesley Logan. Brad Crowell 25:36  And I'm Brad Crowell. Lesley Logan 25:37  Thank you so very, very much for being here. 353 episodes if you haven't listened to that, man, you should go listen, I'm just saying, some people listen twice, just no pressure. Let us know what your favorite one is so far, and Be It Till You See It. Brad Crowell 25:51  Bye for now. Lesley Logan 25:53  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.   Lesley Logan 26:21  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 26:36  It's written, filmed, and recorded by your host, Lesley Logan, and me, Brad Crowell. Lesley Logan 26:41  It is transcribed, produced and edited by the epic team at Disenyo.co. Brad Crowell 26:45  Our theme music is by Ali at Apex Production Music and our branding by designer and artist, Gianfranco Cioffi. Lesley Logan 26:52  Special thanks to Melissa Solomon for creating our visuals. Brad Crowell 26:56  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

You've been pouring into your personal finance education and you're starting to feel more empowered to manage your investments. You might have even played around with online calculators and realized how much that 1% advisor fee is really costing you. But years ago, when you were less confident and didn't know better, you hired someone to help you with this. They grew into someone you call a friend and although you know the math and feel capable of handling your investments on your own now, you're having difficulty cutting ties.It's not easy to break up with someone especially if they have treated you well, answered your phone calls, and have been sending you an annual Christmas card.But I help you with the hard things and it's time. With this in mind, how can we make this a smooth process, set ourselves up for success, and respectfully and professionally break up with our financial advisor? Well, that's today's conversation.To help me unpack this topic, I invited on Tess Waresmith. Tess is a financial coach that helps people feel confident with investing. But this wasn't always the case. After socking away a ton of money working on cruise ships after she graduated, Tess hired a financial advisor to help her turn her savings into real wealth. But after some bad advice and other financial mishaps, Tess lost $80,000 and had to reset. Through a lot of self-education, she learned how to invest on her own through simple, yet effective methods.In this episode, Tess shares the math behind the real cost of a financial advisor. She shares an easy step-by-step process for breaking up with your advisor and how to handle objections if they push back. We also talk about when it might be appropriate to hire help and who might be the right person for that situation.Let's get into it. I hope you enjoy my conversation with the aerial aerobatic and high diving financial coach…Tess Waresmith.Key Takeaways:How much a 1% advisor fee costs you over 40 yearsHow to compare your advisor's performance against the averageA step-by-step process for breaking up with your advisorResponding to objections from your advisorFinancial situations that might require professional help and who to hireSimple definitions of common financial jargonMentions:Free Guide: 26 need-to-know investing terms: https://www.moneyconfidentcoach.com/optin1656350743725More of Tess:IG: WealthWithTess (https://www.instagram.com/wealthwithtess/)More of The Struggle is Real:Find show notes and more at https://www.tsirpodcast.com/Follow us on Instagram at https://www.instagram.com/tsirpod/

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, Gabby interviews Tess Waresmith, a financial coach and the founder of the Wealth With Tess community. Tess begins by talking about her initial struggles with financial management, recounting an instance where she lost $80,000 in bad investments in her 20s and how this spurred her to learn all she could about wealth building. The narrative transitions to discussions about the need for financial education and securing financial independence for women, the norms for financial education in men vs women, common investing mistakes, and the role of compound interest. They wrap up the episode exploring the challenges of managing finances in a volatile world and providing general financial advice.Tess LinksInstagram: @‌wealthwithtessFREE GUIDE: 4-Step Savvy Investor Starter PackFREE CHECKLIST: Make the most of your 401(k)CQ LinksInstagramTikTokWebsiteSupport this podcast at — https://redcircle.com/corporate-quitter/donationsAdvertising Inquiries: https://redcircle.com/brands

Hey Friend, In this week's episode, I'm talking with Tess Waresmith. Tess shares her painful lessons of losing $80,000 in poor investments in her twenties and how it motivated her to learn about wealth building and investing. She turned those lessons into strengths, enabling her to build her net worth to a million dollars by the age of 35. The discussion also highlights the importance of normalizing money conversations, understanding fees in financial advisory services, and shifting one's mindset regarding money and investing. Tess is celebrating her last day at her full-time job as she ventures into full time entrepreneurship. Tess is a financial coach and the founder of Wealth with Tess, a financial education platform that helps corporate women and entrepreneurs in their 30's/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).  Listen in as we talk about: Normalizing Conversations Around Money What's important to know about Tess Working with a financial advisor and the problems she found What she did after realizing she lost the money The mindset change she went through 3 things everyone should learn about money Her transition into full time financial education   Episode Sponsors Goal Trauma Winter Retreat with EFT Tapping Practitioner Jacqui Acree  This is a LIVE 6-week group EFT tapping cohort that empowers you to tap into a steady source of freedom, flow, and fulfillment on -demand …as you grow the life and business you want on your own terms Wed Feb 7 - March 13th 2024 Learn More and sign up for Goal Trauma Winter Retreat visit http://tinyurl.com/GTWRNOWWHAT   Do you love the show? Support us on Patreon so we can keep growing! https://www.patreon.com/IJustBlankNowWhat    I'd love to connect with you: Come follow me on Instagram: https://www.instagram.com/jess.loves.life/  Signup for my newsletter at: https://jessicastephens.ca/  Or read more about all the things I love on my Blog: https://jessicastephens.ca/blogs/jess-loves-life    Connect with Tess https://www.instagram.com/wealthwithtess  https://www.tiktok.com/@wealthwithtess  https://www.linkedin.com/in/tesswaresmith/  www.wealthwithtess.com  http://www.moneyconfidentcoach.com/savvy 

Hello My Lattes! In this episode, I am so excited to speak with Tessa Waresmith. Tessa achieved the status of millionaire in her 20s. Yes! You read that right. In her 20s! Wanting to maintain this status, she was taught in order to keep her wealth multiplying, she needed to invest. So she retained a friend who was a financial advisor. And lessons were learned but they were not the ones she expected! Join Tessa and myself as we discuss: patreon.com/lattemoneycafe Crypto Job benefits Financial Advisors Annuity Index Funds Quit Like a Millionaire by Kristy Shen , et al. Entrepreneurship Multi-six figure income 9-5 jobs Building wealth Honorable Mentions Founder of Purported Cryptocurrency Company Sentenced Are Benefits More Important Than Salary? 7 Mistakes People Make When Choosing a Financial Advisor Guide to Annuities: What are they? What Are Index Funds? How Do They Work? Making Money while Traveling with Rachel Covert 9–5s Don't Kill Dreams, They Fund Them: Here's Why Follow Tessa here: Website: https://wealthwithtess.com/ Instagram: https://www.instagram.com/wealthwithtess/ FREE SAVVY INVESTOR STARTER PACK  LINK: https://www.moneyconfidentcoach.com/savvy?utm_campaign=savvy&utm_medium=share&utm_source=podcast ☕

About Tess Waresmith Tess is a financial coach and the founder of Money Confident, a small group financial education program and 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 and chase whatever dreams are for them. 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 on instagram at @wealthwithtess. What You'll Learn In this episode we talk about: Taking the Leap into Running Her Business Full-Time Breaking Up With a Financial Advisor Investing Basics and Tax Advantages Investing Strategies and Simple Portfolios Investing in Stocks, Bonds, Real Estate Resources Tess' IG Whitney's IG www.wealthwithtess.com Learn more about your ad choices. Visit podcastchoices.com/adchoices

In this captivating episode, Tess Waresmith takes us on her remarkable journey from aerial acrobat to financial coach, sharing profound insights along the way. Join us as we explore the nuances between financial advisors and financial coaches, uncovering the unique perspectives and approaches each profession brings to the table. Tess's personal story and expertise shed light on the transformative power of financial coaching for individuals seeking a holistic approach to money management. #MoneyMastery #FinancialCoaching #MoneyMindset #CareerTransition #TessWaresmith #FinancialWellbeing #PersonalFinanceJourney #AerialAcrobat #FinancialAdvisor #WealthBuildingTips Learn more about your ad choices. Visit megaphone.fm/adchoices

Welcome to another exciting episode of Keep What You Earn! Today, I am bringing you all the insider insights into Health Savings Accounts (HSAs) and how they can be a game-changer for saving on taxes. Joining me is none other than Austin Preece, a certified financial planner and enrolled agent, who's here to share his wealth of knowledge on all things HSAs.   In this episode, Austin and I get down to the brass tacks of HSAs, including their benefits, who qualifies for them, the opportunities for investment, and some key pointers for both entrepreneurs and employees looking to get the most out of these nifty tax-saving tools.   So, if you've ever wondered about the potential of HSAs and how they can help you keep more of what you earn, this podcast episode is a must-listen. Get ready to level up your financial game and make informed decisions about your money.   Austin Preece is a dedicated financial advisor who has carved out a niche by focusing on a segment of the population that often goes underserved in the finance industry. While many of his peers concentrate on retirees, Austin finds fulfillment in addressing the unique financial challenges faced by those who are still years away from retirement. He takes a keen interest in the complex questions and issues that arise for this demographic, providing tailored financial planning and proactive management of their assets. His enthusiasm for guiding individuals through the earlier stages of their financial journeys illuminates his practice and fills a crucial gap in the advisory landscape. Austin's approach not only showcases his expertise but also his desire to make a meaningful difference in the lives of his clients during their peak earning years. What you'll hear in this episode: 04:56 HDHP requires specific deductible and out-of-pocket limits.   07:42 HSA options for self-employed individuals explained.   11:20 Can we withdraw money from retirement accounts?   15:46 Expensive health insurance, prefer high deductible plan.   16:49 Health insurance choices: benefits vs. costs explained.   19:40 HSA contributions through payroll and alternative options. If you like this episode, check out: How to Introduce Your Kids to Money How to Pour Money Into Your Business 4 Steps to Start Your Investing Journey with Tess Waresmith   Want to learn more so you can earn more? CFO On Demand click here Click here to take our Podcast Listener Survey - we appreciate your feedback! Visit keepwhatyouearn.com to dive deeper on our episodes Visit keepwhatyouearncfo.com to work with Shannon and her team Watch this episode and more here: https://www.youtube.com/channel/UCMlIuZsrllp1Uc_MlhriLvQ Connect with Shannon on IG: https://www.instagram.com/shannonkweinstein/   The information contained in this podcast is intended for educational purposes only and is not individual tax advice. Please consult a qualified professional before implementing anything you learn.

Today, Tess will share her extraordinary journey from an $80,000 investment loss to a seven-figure net worth—all by the age of 35. She's here to dispel the myths that hold you back, like that pesky belief that you're "not a numbers person," and to guide you through the world of investments with clarity and confidence.   Together, we aim to create a space where you can learn about money and investing without fear or judgment. Tess's Savvy Investor Starter Pack offers invaluable resources, and her personal story will prove that understanding the basics and finding the right financial support isn't as time-consuming or daunting as you might think.   Prepare to be empowered as we uncover the four fundamental steps to start your investing journey, unpack the importance of mindset, dive into the simplicity of utilizing index funds, and why grasping the basics is crucial before you take the plunge. Financial freedom is within your reach, and we're here to help you Keep What You Earn. Let's unlock the secrets to making your money work for you with Tess Waresmith.     Instagram: https://www.instagram.com/wealthwithtess/   Tiktok: https://www.tiktok.com/@wealthwithtess    LinkedIn: https://www.linkedin.com/in/tesswaresmith/   Website: https://wealthwithtess.com/     What you'll hear in this episode: [04:51] Challenge mental blocks, learn financial basics, overcome mistakes. [08:12] Teacher ensures understanding of financial terms from start. [13:57] Basic education is crucial for informed decision-making, whether in the stock market or when seeking financial advice. It's important to have a basic understanding to choose the right support. [19:26] Understanding money mindset, addressing blockers, setting goals [22:11] Maximize tax savings with retirement accounts. Choose simple diversified investments like index funds. [26:17] Learning basics of investing requires mindset shift. [27:10] Believe in yourself and money as a tool for designing the life you want. [30:39] Explanation of three-fund portfolio for easy investing.     If you like this episode, check out: How to Pour Money Into Your Business How to Introduce Your Kids to Money The Benefits of Business Continuity Planning with Jim Erben     Want to learn more so you can earn more? CFO On Demand click here Visit keepwhatyouearn.com to dive deeper on our episodes Visit keepwhatyouearncfo.com to work with Shannon and her team Watch this episode and more here: https://www.youtube.com/channel/UCMlIuZsrllp1Uc_MlhriLvQ Connect with Shannon on IG: https://www.instagram.com/shannonkweinstein/   The information contained in this podcast is intended for educational purposes only and is not individual tax advice. Please consult a qualified professional before implementing anything you learn.

Tess is a financial coach that teaches women simple investing strategies to make your money grow so that you can retire comfortably and maybe even early (even if you're a newbie investor or short-on-time). CONNECT WITH HER https://wealthwithtess.com/ https://www.moneyconfidentcoach.com/ Subscribe to this channel now!  https://www.youtube.com/user/lunidelouis/?sub_confirmation=1    ---------------------------------------------------- Join our exclusive Facebook group @ https://www.facebook.com/groups/339709559955223  --------------------------------------------------- Looking for accountability to do your morning routine -- join us tomorrow morning, it's FREE:   https://bestmorningroutineever.com/  ----------------------------------------­­­­­­­-------------

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 at @wealthwithtess.Connect with Tess: Link/CTA:  https://www.moneyconfidentcoach.com/savvy?utm_campaign=savvy&utm_medium=share&utm_source=podcastIf you are a woman that wants to have enough money to retire comfortably but aren't sure where to start, head over to www.moneyconfidentcoach.com/savvy or click here, to get your Savvy Investor Starter Pack, totally FREE! This is a 4 step toolkit for women that are ready to ditch their financial anxiety and build real wealth through investing so that you can spend more time chasing your dreams and less time worrying about retirement.Inside the starter pack you will get:3 Steps to Improve your money mindset 4 steps you need to take to build wealth (in the right order)Exclusive free access to one of the best video modules from my paid online program, 8 Common Investing Mistakes and How to Avoid them!Need-to-know financial metrics to retire and how to calculate themThe order in which you need to manage your money and investFree calculators and tools to help you build wealthAnd more!Book CarrieVee for a Speaking Engagement:  https://www.coachcarriev.com/contact-meStep Into Your Big Life Freebie: https://www.coachcarriev.com/stepintoyourbiglifefreebieGET YOUR CARRIEVEE SWAG! https://carrievee.myshopify.com/The Radical Empowerment Method 2.0 Online Course https://www.coachcarriev.com/radicalempowermentmethod2Radical Empowerment Method Book on Amazon: https://amzn.to/3Bdp2BCGet to an EVENT!  www.carrievee.com/eventsContact CarrieVee!IG: @iamcarrieveeLI and FB: Carrie Verrocchioemail: carriev@coachcarriev.com 

Are you tired of feeling lost in the world of finance? Meet Tess Waresmith, a financial coach who transformed her financial landscape from a loss of 80k to a net worth of a million. On this episode, she unravels the myths and complexities of finance and investments. Find out how Tess moved from financial fear to financial confidence and is now helping other women do the same. We dive into topics like the damaging effects of the comparison game, understanding your income and expenses, and how to become a confident investor. She shares her unique perspective on lazy investing for entrepreneurs. Discover the power of a money mindset and how it can change the way you view and handle your finances. Also, Tess offers a refreshing approach to financial planning by introducing the concept of money dates. By the end of the episode, you'll realize that financial resilience is not a trait exclusive to a chosen few. Everyone, regardless of their financial background, can master their money. So, join us on this episode and let Tess inspire you to take control of your financial future. Connect with Tess: @wealthwithtess If you want to grow your money so that you can retire comfortably and ditch your financial anxiety but aren't sure where to start or feel behind, grab your free Savvy Investor Starter Pack: www.moneyconfidentcoach.com/savvy You'll get a 4 step toolkit for women entrepreneurs that are ready to grow their money so they can retire comfortably and chase whatever dreams are in them. Inside the starter pack you will get: - 4 step framework to build wealth in the stock market - 3 steps to improve your money mindset - Exclusive free access to one of the best video modules from my paid online coaching program, 8 Common Investing Mistakes and How to Avoid them! - Need-to-know financial metrics to retire and how to calculate them - Free financial calculators and tools to help you build wealth Go to www.moneyconfidentcoach.com/savvy or click HERE to grab your free Savvy Investor starter pack now. Connect with me on IG: @jessicaburgio Looking to start, launch or grow your podcast?? Follow us @mediaunscripted Check out our services: https://www.mediaunscripted.com/ Gut Personal Discount code: www.gutpersonal.com/jessica_10 Grab a copy of my book Come As You Are: The Art of Unbecoming Who They Told You To Be - https://a.co/d/6LSJIjK  

If you looked at the title for today's episode it probably either really excited you or made you a little nauseous. We're talking money!! How to level up your money mindset and flourish financially! This conversation is packed full of wisdom we all need to hear and will be extremely helpful for you no matter where you're at on your journey.  We're talking money mindset, investments, real estate, stock market, multiple streams of income, learning, growth, wealth, and so much more!! I can't wait to hear your thoughts after you listen!Tess is a financial coach and the founder of Wealth with Tess, a financial education platform that helps corporate women and entrepreneurs in their 30's/40's (and beyond) learn how to grow their money using simple investing strategies so that they can have the financial independence to 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.Connect with Tess :Instagram @wealthwithtessYour Savvy Investor Starter Pack [FREE GUIDE] >>click here

Guest: Tess Waresmith In today's episode, we're thrilled to welcome Tess Waresmith, a passionate advocate for holistic health and financial well-being. Tess's approach challenges the conventional by stressing that optimal health extends beyond just diet and exercise—it encompasses our mental well-being, stress management, and, notably, our financial health. As we delve deeper into the conversation, listeners will uncover how Tess's personal journey intertwined these elements and the vital lessons she's gleaned along the way. Conversation Overview: While most health discussions revolve around nutrition or fitness, this episode takes a refreshing turn, emphasizing the often overlooked facet of holistic health: financial well-being. Guided by Tess's insights, we navigate the intricate maze of finance, offering listeners actionable steps and resources to bolster their financial understanding and autonomy, ultimately benefiting their overall health. Key Takeaways: Demystifying Finances for Women [00:01:07]: Financial literacy isn't just for Wall Street wizards. Tess and Tanya break down complex financial concepts, making them accessible and actionable for every woman tuning in. The Role of Education and Entrepreneurship [00:07:07]: Moving beyond the traditional route of employment post-college, this segment underscores the significance of introducing children to entrepreneurial avenues, providing them with a broad spectrum of possibilities. Financial Literacy Starts at Home [00:51:00]: While schools might miss the mark in teaching financial literacy, Tess stresses that the onus is on parents to equip their children with a solid financial foundation, shaping their perspective on money from an early age. Making Your Money Work for You [00:19:13]: It's not just about saving; it's about investing wisely. With the Savvy Investor Starter Pack and exclusive video access, listeners get a jumpstart on their investment journey. Empowering Women Financially [00:55:39]: The episode wraps up by reiterating the importance of women taking charge of their finances. By seeking the right resources and guidance, financial independence is not just a dream—it's a tangible reality. Show Overview: In an enlightening episode, Tanya Wilson and Tess Waresmith bridge the gap between health and finance, highlighting the symbiotic relationship between the two. Whether it's breaking down financial jargon, emphasizing parental roles in kids' financial education, or stressing the importance of investments, every listener is sure to walk away with a nugget of wisdom. If you've ever felt overwhelmed by finances or wondered how to instill financial literacy in your children, this episode is your guidebook. Dive in and discover how you can kick financial stress to the curb and truly kick ass in every facet of life! Love our Guest, Tess Waresmith!! Follow her at…. Insta LinkedIn    TikTok    Website Check out the FREE Savvy Investor Starter Pack for Women.  If you are a woman that wants to have enough money to retire comfortably but aren't sure where to start, head over to www.moneyconfidentcoach.com/savvy to get your Savvy Investor Starter Pack, totally FREE! Connect more with Tanya & Ladies Kickin Ass… Insta     Facebook     LinkedIn    YouTube   TikTok    Website   Check out some of our favorite things! Free 7-day trial GrowthDay Personal Development App Riverside.fm (online recording platform) --- Send in a voice message: https://podcasters.spotify.com/pod/show/ladieskickinass/message

Tess Waresmith never thought she was great with money, but she knew it would be important to save, so she hired a financial advisor who, unfortunately, steered her in the wrong direction.  Tess lost $80,000 before she decided to pick herself up, change her money mindset, and educate herself on investing.Today's episode is educational in nature - so grab a notebook and pen as Tess shares with us everything you need to know to be a savvy investor and break free from the sticky floor of MONEY!Get your FREE Savvy Investor Starter Kit HEREBe a Book Launch Insider!!!My FREE 5x5 Starter Kit for LinkedInFREE WEEKLY SUCCESS PLANNERJoin our Facebook Group! Find me on InstagramCheck out our PINS on PinterestAnd YES - I'm on TikTok!

Tess Waresmith never thought she was great with money, but she knew it would be important to save, so she hired a financial advisor who, unfortunately, steered her in the wrong direction.  Tess lost $80,000 before she decided to pick herself up, change her money mindset, and educate herself on investing.Today's episode is educational in nature - so grab a notebook and pen as Tess shares with us everything you need to know to be a savvy investor and break free from the sticky floor of MONEY!Get your FREE Savvy Investor Starter Kit HEREBe a Book Launch Insider!!!My FREE 5x5 Starter Kit for LinkedInFREE WEEKLY SUCCESS PLANNERJoin our Facebook Group! Find me on InstagramCheck out our PINS on PinterestAnd YES - I'm on TikTok!

 The road to creating a thriving business with Hell Yes! Offers is riddled with uncertainty, doubt, and many failed attempts. In order to succeed as an entrepreneur, we need to build courage, persevere, and take what we learn and apply it going forward.   In today's episode with Financial Coach Tess Waresmith, she walks us through her journey of uncertainty and shares a powerful insight and tool that allowed her to take her offer from a rough, lightly fleshed out course to a successful business. As we record this, Tess has just had a record-breaking month of selling out her group coaching program, which focuses on helping women in their 30s and 40s build wealth and retire comfortably by learning a low-maintenance investing plan in 4 weeks, and pre-selling her next cohort.    When speaking to Tess, she attributes much of the growth of her business to her strong and targeted offer, and this one thing that she did with her offer that she shares in today's episode. And I think it's an insight that will prove extremely valuable to all of you. I also think you will enjoy hearing Tess' story and how she arrived at where she is today, as her relatability and easy-to-know nature is truly endearing. Take a listen.   Mentioned in this episode: Tess Waresmith – Main Website Tess Waresmith – Instagram Savvy Investor Starter Pack Canyon Ranch Fall 2023 Retreat Leave a Podcast Review Subscribe   Work/Connect with me: Rock Your Biz Canyon Ranch Fall 2023 Retreat Offer Optimization Scorecard Book a Call

Description: In this illuminating episode, we sit down with Tess Waresmith, the seasoned investor and visionary behind Wealth with Tess. From her humble beginnings as an aerial acrobat to becoming a VP of Operations at a global marketing agency, Tess's journey is nothing short of inspiring. Despite her early investing missteps that cost her thousands, Tess bounced back with a vengeance, pushing past the financial fear and achieving a net worth of over a million dollars. Now, she's on a mission to empower women to take charge of their financial futures, debunking the myth that investing is an elusive skill. Tess introduces us to a treasure trove of resources designed to banish financial anxiety and lay a strong foundation for wealth building. She breaks down the essential steps to refine your money mindset, avoid common investing pitfalls, and leverage simple, time-friendly strategies to maximize your earnings. Whether you're a seasoned investor or a newbie still deciphering financial metrics, Tess's insights are a goldmine. We delve deep into why financial education is a non-negotiable for every woman, the common myths holding many back from investing, and how to get started even with a busy schedule or limited knowledge. Tess also sheds light on optimizing your 401(k), setting up simple retirement accounts as an entrepreneur, and how to navigate the investing landscape to ensure success. With Tess's guidance, the path to financial independence and retiring comfortably is not as complicated as it seems. Tune in to unlock the savvy investor in you, and remember, your financial narrative is yours to rewrite. Disclaimer: Not advice. Educational purposes only. Not an endorsement for or against. Results not vetted. Views of the guests do not represent those of the host or show. Do your due diligence. Click here to join PodMatch (the "AirBNB" of Podcasting): https://www.joinpodmatch.com/drchrisloomdphd We couldn't do it without the support of our listeners. To help support the show: CashApp- https://cash.app/$drchrisloomdphd Venmo- https://account.venmo.com/u/Chris-Loo-4 Buy Me a Coffee- https://www.buymeacoffee.com/chrisJx Thank you to our sponsor, CityVest: https://bit.ly/37AOgkp Click here to schedule a 1-on-1 private coaching call: https://www.drchrisloomdphd.com/book-online Click here to purchase my books on Amazon: https://amzn.to/2PaQn4p Follow our YouTube channel: https://www.youtube.com/chL1357 Follow us on Twitter: https://www.twitter.com/drchrisloomdphd Follow us on Instagram: https://www.instagram.com/thereal_drchrisloo Follow us on TikTok: https://www.tiktok.com/@drchrisloomddphd Follow the podcast on Spotify: https://podcasters.spotify.com/pod/show/christopher-loo Thank you to our advertisers on Spotify. Financial Freedom for Physicians, Copyright 2023

Ep #199: Build Your Wealth with Tess WaresmithYou're probably going to be doing fine financially when you retire, right? But…what possibilities would open up for you if you were expanding your wealth outside of work? How would this change your ability to retire early, leave a toxic job, take a break from the workforce, or spend more time with your kids? Sounds good, right? I've invited Tess Waresmith onto this episode of Women Changing Leadership with Stacy Mayer to show you how. Tess is a financial coach who went from losing 80K in bad investments in her twenties…to building her network to 1 million as a single 35-year-old woman. And in this episode of Women Changing Leadership with Stacy Mayer, Tess shares the super simple investing strategies you can use to create more abundance and freedom in your life.Are you ready to be promoted?  Take this free quiz and find out.  You could be closer than you think (or not).

Joining us today is Tess Waresmith. Tess is a financial coach and the founder of Wealth with Tess, a financial education platform that helps corporate women and entrepreneurs in their 30's/40's (and beyond) learn how to grow their money using simple investing strategies so that they can have the financial independence to 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 at @wealthwithtess. She shares some simple strategies for women to supercharge their money. Tess shares her personal journey of conquering financial fears and her passion for women's financial empowerment.We tackle the complexity and jargon around finance, especially for women, and explore how upbringing and parental influence shape our money mindset. We offer tips to simplify your financial journey and get started with investments.Our favorite strategy? Buying and holding index funds for long-term growth and diversification.We also emphasize the importance of teaching kids about investing and building generational wealth.And for you, we have a free Savvy Investor Starter Pack and more resources on my Instagram page.Thanks for joining us! Leave reviews, reach out with suggestions, and remember, you're awesome.Stay fabulous and efficient, Melissa

Hey ladies do you want to grow your money fast?   In this segment, Tess Waresmith shares simple investing strategies you can leverage on auto pilot to grow your money. Invest in the right places and get an ROI.       WHO IS TESS? Tess is a financial coach and the founder of Wealth with Tess, a financial education platform that helps women in their 30's/40's, learn how to grow their money using simple investing strategies so that they can retire comfortably and get their time back to chase whatever dream is in them.   Now she's helped thousands of women learn how to grow their money (even if they are 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 at @wealthwithtess      TESS'S CALL TO ACTION Go to moneyconfidentcoach.com/savvy       CALL TO ACTION Subscribe / Follow GEMS with Genesis Amaris Kemp podcast & YouTube channel, Hit the notifications bell so you don't miss any content, and share with family/friends.   GENESIS'S INFO https://genesisamariskemp.net/genesisamariskemp     If you would like to be a SPONSOR or have any of your merchandise mentioned please reach out via email --- Send in a voice message: https://podcasters.spotify.com/pod/show/genesis-amaris-kemp/message Support this podcast: https://podcasters.spotify.com/pod/show/genesis-amaris-kemp/support

Are you ready to take control of your finances and make your money work for you? Our guest, Tess Waresmith is here to help. Tess Waresmith is a single, 35 year old, self-made millionaire (by investing). Now, she's paying it forward as a financial coach and the genius behind the Money Confident Program that helps women in the workplace grow their money using simple investing strategies even if they are brand new to investing or short-on-time. In this episode, Tess: -Shares her first investment story and the $80,000 mistake she made in her twenties that totally shifted her life's path -Breaks down the biggest investing myth and shares valuable tips for what to do if you're feeling behind -Introduces us to the world of investments (some you may not even know exist!) - Takes us on a deep dive into real estate co ops - Shares how mindset and intention play a huge role in successful investing Ready to learn the secrets to financial success from a self-made millionaire? Tune in because Tess is spilling all her secrets. Rich Dad Poor Dad: What the Rich Teach Their Kids About Money That the Poor and Middle Class Do Not! Download Tess' Savvy Investor Starter Pack at https://www.moneyconfidentcoach.com/savvy Follow Tess for free tips on Instagram @wealthwithtess If you'd like quick tangible tips and practical corporate career advice to level up your authentic leadership, download the 10 simple “plays” to stop selling out and start standing out at https://bauthenticinc.mykajabi.com/freebie   To connect with Erin and/or Nicole, email: hello@bauthenticinc.com  If you like jammin' with us on the podcast, b sure to join us for more fun and inspiration!  Follow b Cause on Twitter (really it's mostly Nicole)   Follow Erin on LinkedIn or Instagram  Join the b Cause Podcast Facebook Group    Take our simple, fun and insightful"What's your workplace superhero name?”quiz  Unleash your Authentic Superpower with Erin's book,"You Do You (ish)" Check out our blog for more no-BS career advice Work with Us Or just buy some fun, authentic, kick-ars merch here DISCLAIMER: This episode is not explicit, though contains mild swearing that may be unsustainable for younger audiences. Tweetable Comments “It's not too late to start investing and to make a huge difference in what your retirement is going to look like.” “It's not necessarily hard. It's just awareness and education.” “Regardless of where you're starting today, in three to five years, your life can look incredibly different when it comes to your net worth and your comfort level with finances.” “The freedom I have now to do whatever I want is priceless.”  

Are you ready to take control of your finances and make your money work for you? Our guest, Tess Waresmith is here to help. Tess Waresmith is a single, 35 year old, self-made millionaire (by investing). Now, she's paying it forward as a financial coach and the genius behind the Money Confident Program that helps women in the workplace grow their money using simple investing strategies even if they are brand new to investing or short-on-time. In this episode, Tess: -Shares her first investment story and the $80,000 mistake she made in her twenties that totally shifted her life's path -Breaks down the biggest investing myth and shares valuable tips for what to do if you're feeling behind -Introduces us to the world of investments (some you may not even know exist!) - Takes us on a deep dive into real estate co ops - Shares how mindset and intention play a huge role in successful investing Ready to learn the secrets to financial success from a self-made millionaire? Tune in because Tess is spilling all her secrets. Rich Dad Poor Dad: What the Rich Teach Their Kids About Money That the Poor and Middle Class Do Not! Download Tess' Savvy Investor Starter Pack at https://www.moneyconfidentcoach.com/savvy Follow Tess for free tips on Instagram @wealthwithtess If you'd like quick tangible tips and practical corporate career advice to level up your authentic leadership, download the 10 simple “plays” to stop selling out and start standing out at https://bauthenticinc.mykajabi.com/freebie   To connect with Erin and/or Nicole, email: hello@bauthenticinc.com  If you like jammin' with us on the podcast, b sure to join us for more fun and inspiration!  Follow b Cause on Twitter (really it's mostly Nicole)   Follow Erin on LinkedIn or Instagram  Join the b Cause Podcast Facebook Group    Take our simple, fun and insightful"What's your workplace superhero name?”quiz  Unleash your Authentic Superpower with Erin's book,"You Do You (ish)" Check out our blog for more no-BS career advice Work with Us Or just buy some fun, authentic, kick-ars merch here DISCLAIMER: This episode is not explicit, though contains mild swearing that may be unsustainable for younger audiences. Tweetable Comments “It's not too late to start investing and to make a huge difference in what your retirement is going to look like.” “It's not necessarily hard. It's just awareness and education.” “Regardless of where you're starting today, in three to five years, your life can look incredibly different when it comes to your net worth and your comfort level with finances.” “The freedom I have now to do whatever I want is priceless.”  

Join us on this empowering episode as my friend Tess Waresmith and I debunk some common misconceptions. We show you how anyone can confidently invest in real estate and, her area of expertise, the stock market.Tess shares her inspiring story of transitioning from job rejections to investment success while learning valuable lessons along the way. Now, she encourages others to overcome mindset obstacles and start their own investment journeys.This episode is jam-packed with valuable information. We discuss the importance of building a strong financial foundation, taking advantage of investment education opportunities, and the power of networking.In addition to discussing her house-hacking tips, Tess reveals her stock market secret for newbies.Investing may not be easy, but we agree that it's simple when armed with the right knowledge and mindset.Make sure to follow Tess on Instagram: @wealthwithtessTo check out all the AWESOME things Backflip Capital has to offer click this link!  https://backflip.mobi/FinanceCowboyPod"I love Jaren and the Finance Cowboy Show"

In this week's episode, I talk to financial coach, Tess Waresmith. Tess is a single, childless woman who currently runs a financial education business, @wealthwithtess, that teaches women how to take control of their finances by improving their money mindset and learning simple ways to invest their money so they can live life on their terms and step into their full power. Topics that Tess & I cover are:how Tess came to be a financial coach, following the loss of a significant amount of money;how investing is really not complicated and anyone can do it;how she's passionate about educating women in all things finance;money mindset, what it is, and why it's important to understand;how awareness around money is the first step towards working on your money mindset;limiting beliefs around money, and why it's so important to work on them;why our attitude towards any financial transaction is so important;the small changes to start with when it comes to money;how to start investing - stocks and index funds;how to decrease risk if you're investing at a later stage in life;Tess' thoughts on being single, and how she has experienced the most growth in her periods of being alone.Follow Tess on Instagram:  @wealthwithtessFollow Tess on Twitter: @wealthwithtessTess' website: https://wealthwithtess.com/ Link to Tess' (FREE) Financial Independence Checklisthttps://www.moneyconfidentcoach.com/optin1676043690053  Book a FREE 30 minute coaching 'taster' session HERE: https://calendly.com/lucymeggeson/30minute Fancy getting your hands on my FREE Top 10 Mindset Tips? Head over to: www.lucymeggeson.com Interested in my 1-1 Coaching? Work with me HERE: https://www.lucymeggeson.com/workwithme Join my private Facebook Group: https://www.facebook.com/groups/1870817913309222/?ref=share Follow me on Instagram: @spinsterhoodreimagined Follow me on Twitter: @LucyMeggeson Follow me on LinkedIn: Lucy Meggeson Email me: lucy@lucymeggeson.com And thank you so much for listening!!!

We've talked about the shady side of financial advising. Still, as you've heard on The Money Bare podcast-- if you're going to work with a financial advisor, we always recommend working with a fiduciary who is a Certified Financial Planner. But what happens when your fiduciary professional doesn't have your best interests in mind or, at the very least, doesn't know better?  Unfortunately, that happened to Tess Waresmith, and she explains how she recovered in this week's episode.Tess is the founder of Wealth with Tess, a financial education platform helping women professionals and entrepreneurs build their wealth and confidence using simple investing strategies that anyone can do (even if they are short on time or a total beginner.)After making many mistakes, Tess became committed to learning how to invest successfully on her own. She had one big realization - investing is not nearly as complicated as it's made out to be.Now Tess has over 10+ years of investing experience in the stock market, real estate, and businesses, and has grown her net worth by $500,000 over the last 4 years using simple investing strategies. She also currently serves as the VP of Operations at a global marketing agency and over the last 7 years has been promoted 7 times and 4x'd her salary.Tess believes that the most important things that money can buy are time, freedom, flexibility, and a greater ability to make an impact and she wants that for every single person.Follow Tess on Instagram - @wealthwithtessFollow Tess on Tik tok - @wealthwithtessFree Investing Workshop - How to Build Wealth The Simple Way Join my next free workshop to learn how to invest in the stock market using an effective, low-maintenance strategy, perfect for busy professionals and entrepreneurs short on time or beginners.Financial Independence Checklist - If you want to ensure you have enough money to retire but aren't sure where to start or don't know if you are behind financially, this is the checklist for you: https://www.moneyconfidentcoach.com/financialindependencechecklistTwenty-six need-to-know investing terms - Grab this guide to start demystifying financial jargon while you are on your financial journey.Related Episodes:Quick Money Tip #9: How I Increased my Net Worth by $300k in 5 Years$1 million mistake?! Talking to My Sister About Our Biggest Money MistakesClo Bare Blog: clobare.comFind me on social media at @clobaremoneycoachPlease rate and subscribe to support this channel!Free Money Guide: moneyrightguide.comFree Investing Class: lazyinvestingclass.comProduced by Elevate Media - Want to start your show? Reach out! This podcast is not intended as financial advice. Always do your own research and talk to your financial professional to discuss your situation. To read our full terms and conditions, head here:TERMS AND CONDITIONS

In this episode, Misty discusses how money mistakes you've made in the past should not prevent you from working towards a brighter financial future. She is joined by Tess Waresmith, founder of Wealth With Tess to discuss how she grew her net worth over $500,000 over the past 4 years despite a few costly mistakes in her past. Where to find Tess WaresmithWebsite: wealthwithtess.comInstagram: @wealthwithtessFacebook: facebook.com/moneyconfidentcourseWhere to find MistyWebsite:mistylynch.comsoundviewfinancialadvisors.comInstagram: www.instagram.com/mistylynchcfp

Tess Waresmith is an entrepreneurial, empathetic leader, comfortable with turning ambiguity into opportunity. With leadership roles in marketing, communications, and operations under her belt, she gets curious about challenges and draws from her experience to find innovative solutions. Lived and worked in Singapore, launching strategic partner marketing programs for global clients. Tess runs a financial education business and community that helps professional women learn how to invest in the stock market with confidence, strategically leverage tax advantaged accounts to keep more of their money, negotiate salaries, and ditch the fear and anxiety around personal finance. Lou taps into understanding more about “Wealth With Tess” with Tess on Thrive LouD. ***CONNECT WITH LOU DIAMOND & THRIVE LOUD***

Tess Waresmith is the founder of Wealth with Tess, a financial education platform helping women professionals and entrepreneurs build their wealth and confidence using simple investing strategies. Her passion for helping others learn to invest comes from making her own big investing mistake early in her life that cost her over $80,000 dollars in less than 5 years. Tess has over 10+ years of experience in the stock market, real estate, and businesses, and has grown her net worth by $500,000 over the last 4 years using simple investing strategies. Follow Tess on Instagram - @wealthwithtes Free Training - How to Build Wealth The Simple Way Investing - Join my next free workshop to learn how t invest in the stock market using an effective, low-maintenance strategy, perfect for busy professionals and entrepreneurs that are short-on-time or beginners. Financial Independence Checklist - If you want to ensure you have enough money to retire but aren't sure where to start or don't know if you are behind financially, this is the checklist is for you Website - Wealthwithtess.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Everyone is feeling the pinch of the recession. Increased costs of goods are leaving more month at the end of paychecks for many of Americans out there. What can you do to squeeze more juice out of your hard-earned dollar bill? Isn't it time that you took control of your finances and put your dollar to work working smarter instead of harder?This Monday night on Note Night in America we are honored to have our special guest, Tess Waresmith, who is the founder of a financial education platform helping professionals and entrepreneurs build their wealth and confidence using simple investing strategies that anyone can do, even if they are short-on-time or a total beginner.About Tess: Tess is the founder of Wealth with Tess, a financial education platform helping professionals and entrepreneurs build their wealth and confidence using simple investing strategies that anyone can do, even if they are short on time or a total beginner.After a big investing mistake that cost her over $80,000, Tess learned the basics of investing and realized that it's not nearly as complicated as it's made out to be. Tess believes anyone can learn and is committed to helping as many people as possible take control of their finances.Free resources to keep building wealth:Free Guide: 26 Need-to-Know Investing Term for BeginnersFree Guide: 4 Ways to Make the Most of your 401(k)The Money Confident Program is on sale for The Note Closer Community! The Money Confident Program will give you the confidence to set-up your own low-maintenance investing plan even in this economy. Save BIG on taxes and build your own SIMPLE investment portfolio in just 5 weeks so that you can finally take control of your finances and build the life of your dreams (even if you're short-on-time or a total beginner.) Get 50% off when you sign up by 2/1/2023! Email Tess@moneyconfidentcoach.com for the Note Closer discount. Watch the original video HERE!Love the show? Subscribe, rate, review, and share!Here's How »Join Note Night in America community today:WeCloseNotes.comScott Carson FacebookScott Carson TwitterScott Carson LinkedInNote Night in America YouTubeNote Night in America VimeoScott Carson InstagramWe Close Notes Pinterest

Welcome everyone to the next episode of the BetterWallet podcast. As you guys know, the BetterWallet podcast is all about demystifying the topic of money and sharing powerful money stories from people who truly beat the odds and found financial success.Today, we have Tess on the line.  She's a financial coach who helps professionals build wealth through their 401ks and beyond and also is the founder of Wealth with Tess online.[2:02] Who would play you in a movie?[3:47] Learning money from divorced parents[6:57] Tess's path to Wealth with Tess[11:28] Investing tax advantages[22:28] Start investing in 401k[24:18] Disagreeing with Dave RamseyMore from TessWealth with TessMoney ConfidenceTess on InstagramMore from BetterWallet:Get your checklist now!Financially Bulletproof Checklist - financesincheck.com/checklistFollow me@BetterWallet on Instagram@BetterWallet on TikTok@TheBetterWallet on Twitter

Muffins, we are back with another guest episode! This time we're chatting with Tess Waresmith of Wealth With Tess! This is a much more grounded episode where we explore money, investing, and building wealth in the long run. Strap in, my loves — it's a good one! We're chatting about The foundational steps to start building wealth Overcoming the anxieties around money Basic steps to start investing Understanding the different types of investment accounts How to budget in a way that is simple and not stressful And MORE! — Free Guides/Workshop:  4 ways to make the most of your current (or old) 401(k) How to build wealth beyond your 401(k) - Free Workshop Books:  I Will Teach You To Be Rich A Simple Path To Wealth How to Rollover your 401(k) for free https://app.hicapitalize.com/p/wealthwithtess  On Instagram: @wealthwithtess @clobaremoneycoach @betterwallet — Links Mentioned My Amazon Storefront https://www.amazon.com/shop/themanifestdaily — Social Media Follow along on Instagram @TheManifestDaily https://www.instagram.com/themanifestdaily Subscribe on YouTube https://www.youtube.com/c/DheandraNicolette?sub_confirmation=1 Follow along on TikTok @TheManifestDaily https://www.tiktok.com/@themanifestdaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Tess is the founder of Money Confident Program and a VP of Operations at a global marketing agency, helping women build leadership skills and confidence in wealth building and business. The Money Confident financial education program helps professional women and entrepreneurs build their wealth and confidence through simplified investing education. After going through her own financial transformation following an investing mistake that cost her thousands, Tess now successfully invests in the stock market, real estate, and businesses, in simple and effective ways. Now she's on a mission to reduce the investing gender gap by demystifying investing in a judgment free environment. Because when women build wealth they have more time, freedom, options, and a greater ability to make an impact on the things they care about most. Investing isn't hard to learn, it's just unfamiliar and with a little bit of education and a plan, Tess believes anyone can learn and take their financial power back and reach financial independence. Freebie: 4 Ways to Make the Most of Your 401K https://www.moneyconfidentcoach.com/optin1641150016157 Free Webinar September 22: Building Wealth Beyond You 401K https://www.moneyconfidentcoach.com/webinar-registration1643718898847 Find Tess: Instagram: @wealthwithtess Website: wealthwithtess.com Email: tess@moneyconfidentcoach.com

Meet the woman who is changing investing for women all around the US.Tess Waresmith is the founder and owner of Money Confident, where she teaches women how to grow their wealth and confidence around investing in a no-judgement financial community.Tess gives us the real and raw details of what it's like behind the scenes in the financial industry and why she knew she could teach women to invest their money on their own, keeping waaaay more of it in their pocket.Does this topic intimidate you? Don't let it. I promise you, even if your first thought was "Money? NOPE.", this episode is a MUST-LISTEN. Taking control of your finances is easier than you think, and Tess will show you how!In this conversation, we cover:The overwhelm we can feel when we think about managing our finances (and how to move through that)The most common investing questions she is askedBeing bad at money vs. taking the step to educate yourself in moneyHow (and why) women tend to be better investors and make more money than menand more!DO NOT SKIP THIS EPISODE! I'm telling you! CLICK PLAY! (And don't forget to download her free checklist below)Connect with Tess:WebsiteInstagramLinkedIn>>> Free 5 Steps To Investing Success ChecklistI look forward to getting to know you better so please subscribe, rate and review, and connect with me on Instagram! (@adrikeefe)Head over to www.AdrianaKeefe.com for more information, free tools and tips, and more!Heartfül of Kerøsene - Jeff II https://youtu.be/ZbyFsGMjfRgCreative Commons AttributionFree Download / Stream: https://bit.ly/al-heartful-of-kerseneMusic promoted by Audio Library https://youtu.be/y-tbE2FIA1o

Everything changed when Tess learned about the gender investing gap. When she learned that women not only get paid less but also invest less contributing to what's called the gender investing gap, she wanted to help make a chance. She has now been investing in real estate, the stock market, and businesses for over 10 years and is a successful investor. She made a few big mistakes that cost her thousands. She trusted a financial planner before educating herself on the basics of investing. They didn't make decisions in her best interest which cost her roughly over $200,000 over time. Between the realization that women need better financial resources and her determination to make sure other women don't make the same mistakes she did, it became MORAL OBLIGATION to help other women grow their net worth by sharing best practices.

Do your finances overwhelm you? Do you want to invest but don't know how? If these thoughts seem familiar to you then we encourage you to tune in to this episode as Tess Waresmith talks about her Money Confident Course. Their main goal is to show you how easy you can make your own money grow for you by investing - even for the beginner! 

Tess is the founder of Money Confident, a financial education platform helping professionals and entrepreneurs build their wealth and confidence through investing education that makes sense.   With over 10 years of experience in marketing, communications, and investing Tess is an expert in change management, leadership development, and financial education and is currently the VP of Technology and Operations at a global marketing agency.   Outside of work, Tess can be found volunteering for organizations like BUILD Boston, rock climbing, hiking, reading, traveling, spending time with friends or catching live music.   Key points of this episode: - Facing money problems starts by talking about them. - If you have debts with low interest, you can start investing. - What is a stock? what is a bond? what is an index fund? Learn the fundamentals before investing. - Learn from YouTube videos, books, and masterminds! - "Wealth is the ability to fully experience life" - Henry David Thoreau Where to find me: Website: Tessitory.com Instagram: @wealthwithtess LinkedIN:https://www.linkedin.com/in/tesswaresmith/ Email: Tess@moneyconfidentcoach.com   -------------------- If you loved this episode, please share it