Podcasts about women who money

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3586: Laurie Sepulveda explains how parents can nurture entrepreneurial thinking by helping children find meaningful reasons to earn money, generate their own ideas, and learn through real-world successes and failures. By guiding rather than controlling, parents can teach resilience, creativity, financial literacy, and problem-solving skills that prepare kids for future success and independence. Read along with the original article(s) here: https://womenwhomoney.com/encourage-entrepreneurial-spirit-kids/ Quotes to ponder: "It's vital for her to identify something she really wants to help her push through the inevitable difficulties in starting a money-making venture." "Kids need to understand it isn't that people don't like them; they just don't want the product or service." "Your job as a parent is to foster your child's entrepreneurial spirit and help them navigate the space between their entrepreneurial idea and its execution." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3586: Laurie Sepulveda explains how parents can nurture entrepreneurial thinking by helping children find meaningful reasons to earn money, generate their own ideas, and learn through real-world successes and failures. By guiding rather than controlling, parents can teach resilience, creativity, financial literacy, and problem-solving skills that prepare kids for future success and independence. Read along with the original article(s) here: https://womenwhomoney.com/encourage-entrepreneurial-spirit-kids/ Quotes to ponder: "It's vital for her to identify something she really wants to help her push through the inevitable difficulties in starting a money-making venture." "Kids need to understand it isn't that people don't like them; they just don't want the product or service." "Your job as a parent is to foster your child's entrepreneurial spirit and help them navigate the space between their entrepreneurial idea and its execution." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3586: Laurie Sepulveda explains how parents can nurture entrepreneurial thinking by helping children find meaningful reasons to earn money, generate their own ideas, and learn through real-world successes and failures. By guiding rather than controlling, parents can teach resilience, creativity, financial literacy, and problem-solving skills that prepare kids for future success and independence. Read along with the original article(s) here: https://womenwhomoney.com/encourage-entrepreneurial-spirit-kids/ Quotes to ponder: "It's vital for her to identify something she really wants to help her push through the inevitable difficulties in starting a money-making venture." "Kids need to understand it isn't that people don't like them; they just don't want the product or service." "Your job as a parent is to foster your child's entrepreneurial spirit and help them navigate the space between their entrepreneurial idea and its execution." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 2072: Laura Gariepy explores the complex decision between choosing a career driven by passion or one focused on financial success, revealing that the smartest path is often more nuanced than a simple either-or choice. By examining multiple career strategies, from pursuing profit first to blending fulfillment with financial stability, she offers practical insights to help you align your work with both your personal values and long-term goals. Read along with the original article(s) here: https://womenwhomoney.com/passion-profit-best-career-path/ Quotes to ponder: “Determining whether to prioritize the pursuit of wealth or personal fulfillment is perhaps the most critical aspect of choosing a career path, making a professional pivot, or pursuing an entrepreneurial idea.” “You obviously need to earn enough money to cover your desired lifestyle. But, selecting a career path exclusively for financial gain may not be a good solution for your overall wellbeing.” “Truly knowing yourself will help you make professional career choices in line with your personality and life goals.” Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3558: Vicki Cook and Amy Blacklock break down a practical path out of the paycheck-to-paycheck cycle, showing how awareness and small, consistent changes can transform your financial reality. By confronting debt, tracking spending, and building momentum with manageable steps, listeners gain a clear, doable framework to regain control and start saving with confidence. Read along with the original article(s) here: https://womenwhomoney.com/stop-living-paycheck-paycheck/ Quotes to ponder: "You might be surprised how quickly you could save $10 or $25 a week." "Time is your friend. This is not a get rich quick scheme, and there is no magic formula to follow." "Getting a clear picture of your financial situation will allow you to take control of it." Episode references: MetLife: https://www.metlife.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3558: Vicki Cook and Amy Blacklock break down a practical path out of the paycheck-to-paycheck cycle, showing how awareness and small, consistent changes can transform your financial reality. By confronting debt, tracking spending, and building momentum with manageable steps, listeners gain a clear, doable framework to regain control and start saving with confidence. Read along with the original article(s) here: https://womenwhomoney.com/stop-living-paycheck-paycheck/ Quotes to ponder: "You might be surprised how quickly you could save $10 or $25 a week." "Time is your friend. This is not a get rich quick scheme, and there is no magic formula to follow." "Getting a clear picture of your financial situation will allow you to take control of it." Episode references: MetLife: https://www.metlife.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3558: Vicki Cook and Amy Blacklock break down a practical path out of the paycheck-to-paycheck cycle, showing how awareness and small, consistent changes can transform your financial reality. By confronting debt, tracking spending, and building momentum with manageable steps, listeners gain a clear, doable framework to regain control and start saving with confidence. Read along with the original article(s) here: https://womenwhomoney.com/stop-living-paycheck-paycheck/ Quotes to ponder: "You might be surprised how quickly you could save $10 or $25 a week." "Time is your friend. This is not a get rich quick scheme, and there is no magic formula to follow." "Getting a clear picture of your financial situation will allow you to take control of it." Episode references: MetLife: https://www.metlife.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 2048: Laura Gariepy explores the delicate balance of hiring friends or family, showing how trust and familiarity can speed up growth, but also introduce risks that threaten both business performance and personal relationships. By weighing the real advantages against potential pitfalls, she offers practical guidance to help you protect both your company and your closest connections. Read along with the original article(s) here: https://womenwhomoney.com/hire-friends-and-family-your-business/ Quotes to ponder: "While making a quick hire saves you time in the short run, if your best friend or cousin isn't as skilled as you thought, you have a significant issue." "If you're going to hire a loved one, make sure you both go into it with clearly defined expectations." "Since you know them so well, assessing their capabilities, attitudes, and personality traits can be much easier and faster as compared to external hires." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 2027: Vicki Cook and Amy Blacklock highlight how business credit cards can unlock higher credit limits, valuable rewards, and built-in protections that support smarter spending and cash flow management. They also emphasize the long-term advantage of building a strong business credit profile, helping entrepreneurs secure better financing as they grow. Tune in to understand how to choose the right card and avoid costly mistakes while maximizing benefits. Read along with the original article(s) here: https://womenwhomoney.com/need-business-credit-card-when-self-employed/ Quotes to ponder: "With many different business card options, make sure you carefully read the Offer and Benefit terms and the Rates and Fees information before deciding which one is right for your business expenses." "If you need to buy a big-ticket item for your business and still have other expenses to put on your card, having a more significant credit line gives you the peace of mind that you can purchase what you need, when you need it." "As a business owner, one of your top priorities should be keeping business expenses separate from personal spending." Episode references: QuickBooks: https://quickbooks.intuit.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 2026: Vicki Cook and Amy Blacklock break down why a business credit card can be a powerful tool for entrepreneurs, from keeping finances clean and tax-ready to unlocking valuable rewards and perks. They also clarify who qualifies and how approval works, helping you confidently take the next step toward smarter financial management. Tune in to learn how the right card can simplify operations while supporting long-term business growth. Read along with the original article(s) here: https://womenwhomoney.com/need-business-credit-card-when-self-employed/ Quotes to ponder: "When you use personal credit cards to fund your business, you're more likely to accidentally commingle a personal expense with a business expense you put on the card." "This is a big mistake because it can make it very difficult (and time-consuming!) to separate the two types of expenses for monthly accounting and when tax season rolls around." "If you own a small business and earn an income from it, there's a good chance you qualify for a business card." Episode references: Capital One Business Credit Cards: https://www.capitalone.com/small-business/credit-cards/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3520: Amanda Kruse reflects on how rushing into homeownership, driven by the belief that rent is wasted money, led to costly mistakes, hidden expenses, and unnecessary stress. Her story highlights the importance of cash flow, flexibility, and timing, showing why renting longer can sometimes be the smarter financial move. Read along with the original article(s) here: https://womenwhomoney.com/we-should-have-rented-instead-of-buying/ Quotes to ponder: "Buying a home can and does make sense for many people; it's a place of your own, and it builds equity. But it's not for everyone, and it doesn't always make sense." "We bought into the adage that renting is a waste of money. I can't say precisely where it came from, family, friends, or society. No matter, it was there, and to us, buying a home felt like an urgent financial matter." "Our mortgage payment was more than rent. Property taxes and homeowners insurance bumped up the monthly costs. And, since we had a small down payment, we had Private Mortgage Insurance (PMI) on top of that!" Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3520: Amanda Kruse reflects on how rushing into homeownership, driven by the belief that rent is wasted money, led to costly mistakes, hidden expenses, and unnecessary stress. Her story highlights the importance of cash flow, flexibility, and timing, showing why renting longer can sometimes be the smarter financial move. Read along with the original article(s) here: https://womenwhomoney.com/we-should-have-rented-instead-of-buying/ Quotes to ponder: "Buying a home can and does make sense for many people; it's a place of your own, and it builds equity. But it's not for everyone, and it doesn't always make sense." "We bought into the adage that renting is a waste of money. I can't say precisely where it came from, family, friends, or society. No matter, it was there, and to us, buying a home felt like an urgent financial matter." "Our mortgage payment was more than rent. Property taxes and homeowners insurance bumped up the monthly costs. And, since we had a small down payment, we had Private Mortgage Insurance (PMI) on top of that!" Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3520: Amanda Kruse reflects on how rushing into homeownership, driven by the belief that rent is wasted money, led to costly mistakes, hidden expenses, and unnecessary stress. Her story highlights the importance of cash flow, flexibility, and timing, showing why renting longer can sometimes be the smarter financial move. Read along with the original article(s) here: https://womenwhomoney.com/we-should-have-rented-instead-of-buying/ Quotes to ponder: "Buying a home can and does make sense for many people; it's a place of your own, and it builds equity. But it's not for everyone, and it doesn't always make sense." "We bought into the adage that renting is a waste of money. I can't say precisely where it came from, family, friends, or society. No matter, it was there, and to us, buying a home felt like an urgent financial matter." "Our mortgage payment was more than rent. Property taxes and homeowners insurance bumped up the monthly costs. And, since we had a small down payment, we had Private Mortgage Insurance (PMI) on top of that!" Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3350: Vicki Cook draws unexpected parallels between spinning classes and smarter money habits, showing how investing in yourself, building routines, and seeking guidance can pay off in multiple areas of life. Her insights highlight how prioritizing health, community, and ambitious goals can lead to stronger financial and personal outcomes. Read along with the original article(s) here: https://womenwhomoney.com/money-lessons-spinning-class/ Quotes to ponder: "Spending money on yourself and your wellness matters too." "Whatever it is you're focusing on, put it first and it's more likely to get done." "Start strong, set the bar high, and you'll end up further ahead." Episode references: The 7 Habits of Highly Effective People: https://www.amazon.com/7-Habits-Highly-Effective-People/dp/1982137274 Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3350: Vicki Cook draws unexpected parallels between spinning classes and smarter money habits, showing how investing in yourself, building routines, and seeking guidance can pay off in multiple areas of life. Her insights highlight how prioritizing health, community, and ambitious goals can lead to stronger financial and personal outcomes. Read along with the original article(s) here: https://womenwhomoney.com/money-lessons-spinning-class/ Quotes to ponder: "Spending money on yourself and your wellness matters too." "Whatever it is you're focusing on, put it first and it's more likely to get done." "Start strong, set the bar high, and you'll end up further ahead." Episode references: The 7 Habits of Highly Effective People: https://www.amazon.com/7-Habits-Highly-Effective-People/dp/1982137274 Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3493: Vicki Cook and Amy Blacklock explain how building an emergency fund creates financial stability and protects you from relying on debt when unexpected expenses arise. They show how even small, consistent savings, like starting with $25 a month, can grow into a powerful financial safety net. By choosing the right savings vehicles and resisting the urge to spend the fund, you can gain peace of mind and move closer to long-term financial security. Read along with the original article(s) here: https://womenwhomoney.com/building-emergency-fund/ Quotes to ponder: "Having an emergency fund gives you a safety net and puts you on the right track to financial stability and building wealth." "Just starting, no matter the dollar amount, is moving in the right direction." "You grow an emergency fund by pretending it doesn't exist!" Episode references: CIT Bank: https://www.cit.com/cit-bank/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3493: Vicki Cook and Amy Blacklock explain how building an emergency fund creates financial stability and protects you from relying on debt when unexpected expenses arise. They show how even small, consistent savings, like starting with $25 a month, can grow into a powerful financial safety net. By choosing the right savings vehicles and resisting the urge to spend the fund, you can gain peace of mind and move closer to long-term financial security. Read along with the original article(s) here: https://womenwhomoney.com/building-emergency-fund/ Quotes to ponder: "Having an emergency fund gives you a safety net and puts you on the right track to financial stability and building wealth." "Just starting, no matter the dollar amount, is moving in the right direction." "You grow an emergency fund by pretending it doesn't exist!" Episode references: CIT Bank: https://www.cit.com/cit-bank/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3493: Vicki Cook and Amy Blacklock explain how building an emergency fund creates financial stability and protects you from relying on debt when unexpected expenses arise. They show how even small, consistent savings, like starting with $25 a month, can grow into a powerful financial safety net. By choosing the right savings vehicles and resisting the urge to spend the fund, you can gain peace of mind and move closer to long-term financial security. Read along with the original article(s) here: https://womenwhomoney.com/building-emergency-fund/ Quotes to ponder: "Having an emergency fund gives you a safety net and puts you on the right track to financial stability and building wealth." "Just starting, no matter the dollar amount, is moving in the right direction." "You grow an emergency fund by pretending it doesn't exist!" Episode references: CIT Bank: https://www.cit.com/cit-bank/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 1961: Emma Worden lays out a practical guide for entrepreneurs weighing the decision to bring on help in their small business. She explores the financial, strategic, and emotional aspects of hiring, from choosing between contractors, employees, or partners to leveraging automation tools, helping you avoid premature hires while still scaling smart. Read along with the original article(s) here: https://womenwhomoney.com/hire-help-small-business/ Quotes to ponder: "Hiring help lets you grow your revenue faster, expand your business, and boost its efficiency." "When translated into actual numbers, it seems that a business with an owner and just one employee faces an average employment cost of $56,770 per worker." "If you're ready to hire the first candidate you come across, then the answer is obvious. You need help." Episode references: Asana: https://asana.com Zoho Recruit: https://www.zoho.com/recruit/ QuickBooks: https://quickbooks.intuit.com Odoo: https://www.odoo.com SAP Business One: https://www.sap.com/products/business-one.html Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 1961: Emma Worden lays out a practical guide for entrepreneurs weighing the decision to bring on help in their small business. She explores the financial, strategic, and emotional aspects of hiring, from choosing between contractors, employees, or partners to leveraging automation tools, helping you avoid premature hires while still scaling smart. Read along with the original article(s) here: https://womenwhomoney.com/hire-help-small-business/ Quotes to ponder: "Hiring help lets you grow your revenue faster, expand your business, and boost its efficiency." "When translated into actual numbers, it seems that a business with an owner and just one employee faces an average employment cost of $56,770 per worker." "If you're ready to hire the first candidate you come across, then the answer is obvious. You need help." Episode references: Asana: https://asana.com Zoho Recruit: https://www.zoho.com/recruit/ QuickBooks: https://quickbooks.intuit.com Odoo: https://www.odoo.com SAP Business One: https://www.sap.com/products/business-one.html    

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3454: Vicki Cook and Amy Blacklock weigh the pros and cons of lump-sum investing versus dollar-cost averaging, showing how both strategies can help grow wealth, but success ultimately depends on your emotional readiness and risk tolerance. You'll walk away better equipped to choose the right approach for your financial personality and long-term goals. Read along with the original article(s) here: https://womenwhomoney.com/investing-money-best-lump-sum-spread-out/ Quotes to ponder: "Good money habits help build long-term wealth too!" "If your emotions lead you to be fearful, sell shares at the wrong time, and change your long-term investing strategy, it can negatively impact wealth building." "To build a secure financial house, you want your money to start working for you as early as possible." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3454: Vicki Cook and Amy Blacklock weigh the pros and cons of lump-sum investing versus dollar-cost averaging, showing how both strategies can help grow wealth, but success ultimately depends on your emotional readiness and risk tolerance. You'll walk away better equipped to choose the right approach for your financial personality and long-term goals. Read along with the original article(s) here: https://womenwhomoney.com/investing-money-best-lump-sum-spread-out/ Quotes to ponder: "Good money habits help build long-term wealth too!" "If your emotions lead you to be fearful, sell shares at the wrong time, and change your long-term investing strategy, it can negatively impact wealth building." "To build a secure financial house, you want your money to start working for you as early as possible." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3454: Vicki Cook and Amy Blacklock weigh the pros and cons of lump-sum investing versus dollar-cost averaging, showing how both strategies can help grow wealth, but success ultimately depends on your emotional readiness and risk tolerance. You'll walk away better equipped to choose the right approach for your financial personality and long-term goals. Read along with the original article(s) here: https://womenwhomoney.com/investing-money-best-lump-sum-spread-out/ Quotes to ponder: "Good money habits help build long-term wealth too!" "If your emotions lead you to be fearful, sell shares at the wrong time, and change your long-term investing strategy, it can negatively impact wealth building." "To build a secure financial house, you want your money to start working for you as early as possible." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3428: Amanda Kruse breaks down what it means to be an accredited investor, who qualifies, and why gaining this status can open doors to high-return investment opportunities like venture capital and real estate crowdfunding. While the benefits include diversification and access to exclusive deals, Kruse stresses the importance of due diligence and the risks that come without SEC protections. Read along with the original article(s) here: https://womenwhomoney.com/accredited-investor-benefits-of-being-one/ Quotes to ponder: "You have access to a broader range of investment options not available to everyone, such as real estate crowdfunding and venture capital." "Some riskier investments available to accredited investors have the potential for higher returns." "If you're newly accredited, start small and only invest in what you understand." Episode references: Worthy Bonds: https://worthybonds.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3428: Amanda Kruse breaks down what it means to be an accredited investor, who qualifies, and why gaining this status can open doors to high-return investment opportunities like venture capital and real estate crowdfunding. While the benefits include diversification and access to exclusive deals, Kruse stresses the importance of due diligence and the risks that come without SEC protections. Read along with the original article(s) here: https://womenwhomoney.com/accredited-investor-benefits-of-being-one/ Quotes to ponder: "You have access to a broader range of investment options not available to everyone, such as real estate crowdfunding and venture capital." "Some riskier investments available to accredited investors have the potential for higher returns." "If you're newly accredited, start small and only invest in what you understand." Episode references: Worthy Bonds: https://worthybonds.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3428: Amanda Kruse breaks down what it means to be an accredited investor, who qualifies, and why gaining this status can open doors to high-return investment opportunities like venture capital and real estate crowdfunding. While the benefits include diversification and access to exclusive deals, Kruse stresses the importance of due diligence and the risks that come without SEC protections. Read along with the original article(s) here: https://womenwhomoney.com/accredited-investor-benefits-of-being-one/ Quotes to ponder: "You have access to a broader range of investment options not available to everyone, such as real estate crowdfunding and venture capital." "Some riskier investments available to accredited investors have the potential for higher returns." "If you're newly accredited, start small and only invest in what you understand." Episode references: Worthy Bonds: https://worthybonds.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 1920: Vicki Cook and Amy Blacklock break down the essentials of employee stock options, helping you understand how they work, what to watch for, and how they can be a powerful part of your compensation. Learn how to evaluate stock options wisely and turn them into a potential wealth-building tool without risking financial missteps. Read along with the original article(s) here: https://womenwhomoney.com/employee-stock-options-compensation-benefits/ Quotes to ponder: "Unless you're financially independent, there's a good chance one of your primary motivations for working is earning a paycheck and benefits." "Employee stock options provide the employee with a date they have to exercise the option by or lose the right to use the said stock option." "A perk with no value is a disadvantage."

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 1920: Vicki Cook and Amy Blacklock break down the essentials of employee stock options, helping you understand how they work, what to watch for, and how they can be a powerful part of your compensation. Learn how to evaluate stock options wisely and turn them into a potential wealth-building tool without risking financial missteps. Read along with the original article(s) here: https://womenwhomoney.com/employee-stock-options-compensation-benefits/ Quotes to ponder: "Unless you're financially independent, there's a good chance one of your primary motivations for working is earning a paycheck and benefits." "Employee stock options provide the employee with a date they have to exercise the option by or lose the right to use the said stock option." "A perk with no value is a disadvantage." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 1920: Vicki Cook and Amy Blacklock break down the essentials of employee stock options, helping you understand how they work, what to watch for, and how they can be a powerful part of your compensation. Learn how to evaluate stock options wisely and turn them into a potential wealth-building tool without risking financial missteps. Read along with the original article(s) here: https://womenwhomoney.com/employee-stock-options-compensation-benefits/ Quotes to ponder: "Unless you're financially independent, there's a good chance one of your primary motivations for working is earning a paycheck and benefits." "Employee stock options provide the employee with a date they have to exercise the option by or lose the right to use the said stock option." "A perk with no value is a disadvantage." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 1899: Vicki Cook and Amy Blacklock break down how to evaluate requests for unpaid work by focusing on potential benefits like meaningful exposure, barter opportunities, and strategic value. Their practical guidance helps creatives and freelancers protect their time, assess credibility, and set boundaries, all while staying open to win-win situations when they make sense. Read along with the original article(s) here: https://womenwhomoney.com/work-for-free-exposure-experience/ Quotes to ponder: "Exposure to the right people matters more when it comes to finding paying customers." "When you're able to get a tangible benefit or something of real value to you or your business from the deal, it's a win-win for everyone involved." "Only you can ultimately decide what your time is worth. But we urge you not to give it away without some type of compensation." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 1899: Vicki Cook and Amy Blacklock break down how to evaluate requests for unpaid work by focusing on potential benefits like meaningful exposure, barter opportunities, and strategic value. Their practical guidance helps creatives and freelancers protect their time, assess credibility, and set boundaries, all while staying open to win-win situations when they make sense. Read along with the original article(s) here: https://womenwhomoney.com/work-for-free-exposure-experience/ Quotes to ponder: "Exposure to the right people matters more when it comes to finding paying customers." "When you're able to get a tangible benefit or something of real value to you or your business from the deal, it's a win-win for everyone involved." "Only you can ultimately decide what your time is worth. But we urge you not to give it away without some type of compensation."

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 1898: Vicki Cook and Amy Blacklock break down why saying yes to unpaid work can undermine your business, time, and income, especially for women already carrying the weight of unpaid labor. They share clear, thoughtful criteria to help freelancers decide when working for free might serve their goals, and when it's better to walk away. Read along with the original article(s) here: https://womenwhomoney.com/work-for-free-exposure-experience/ Quotes to ponder: "Working for exposure is not the 'free advertising' that people claim it to be." "You aren't making money from paying customers when you choose to spend time producing free content, goods, or other services." "Freelancers striving to build their dream career don't work for free simply to help out others." Episode references: Estate Planning 101: https://www.amazon.com/Estate-Planning-101-Establishing-Understanding/dp/1507216394 UN Women on Unpaid Work: https://www.unwomen.org/en/node/36060 Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 1898: Vicki Cook and Amy Blacklock break down why saying yes to unpaid work can undermine your business, time, and income, especially for women already carrying the weight of unpaid labor. They share clear, thoughtful criteria to help freelancers decide when working for free might serve their goals, and when it's better to walk away. Read along with the original article(s) here: https://womenwhomoney.com/work-for-free-exposure-experience/ Quotes to ponder: "Working for exposure is not the 'free advertising' that people claim it to be." "You aren't making money from paying customers when you choose to spend time producing free content, goods, or other services." "Freelancers striving to build their dream career don't work for free simply to help out others." Episode references: Estate Planning 101: https://www.amazon.com/Estate-Planning-101-Establishing-Understanding/dp/1507216394 UN Women on Unpaid Work: https://www.unwomen.org/en/node/36060

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3382: Vicki Cook and Amy Blacklock break down the subtle but impactful differences between being frugal and being cheap, helping you assess whether your money-saving habits align with your values or if they may be costing more than you think. Learn how mindful spending can preserve relationships, support long-term goals, and still keep your finances in check. Read along with the original article(s) here: https://womenwhomoney.com/frugal-or-cheap-how-to-tell-why-matters/ Quotes to ponder: "Frugality means your spending decisions are aligned with your priorities and values, not going without or suffering because you lack things you need." "Being cheap is being selfish with your money." "Trying to save money can be a real challenge and there may be times where you find yourself being cheap instead of frugal." Episode references: BeFrugal: https://www.befrugal.com Ibotta: https://www.ibotta.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3382: Vicki Cook and Amy Blacklock break down the subtle but impactful differences between being frugal and being cheap, helping you assess whether your money-saving habits align with your values or if they may be costing more than you think. Learn how mindful spending can preserve relationships, support long-term goals, and still keep your finances in check. Read along with the original article(s) here: https://womenwhomoney.com/frugal-or-cheap-how-to-tell-why-matters/ Quotes to ponder: "Frugality means your spending decisions are aligned with your priorities and values, not going without or suffering because you lack things you need." "Being cheap is being selfish with your money." "Trying to save money can be a real challenge and there may be times where you find yourself being cheap instead of frugal." Episode references: BeFrugal: https://www.befrugal.com Ibotta: https://www.ibotta.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3356: Laurie Sepulveda breaks down why many women struggle with salary negotiations and outlines how to shift from self-doubt to confidence through research, practice, and strategic silence. By understanding your market value, leveraging your accomplishments, and getting comfortable with making counter-offers, you can start earning what you're truly worth. Read along with the original article(s) here: https://womenwhomoney.com/negotiate-next-raise/ Quotes to ponder: "Unless we're armed with knowledge [meaning cold, hard money facts], we don't have the upper hand in negotiating." "Silence can be a very powerful negotiation tool, mainly because it allows you to react in a way that eliminates much of the emotion from the conversation." "One of the most potent ways to increase the amount you're offered is to simply make a counter-offer when you're presented with the first salary number." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3356: Laurie Sepulveda breaks down why many women struggle with salary negotiations and outlines how to shift from self-doubt to confidence through research, practice, and strategic silence. By understanding your market value, leveraging your accomplishments, and getting comfortable with making counter-offers, you can start earning what you're truly worth. Read along with the original article(s) here: https://womenwhomoney.com/negotiate-next-raise/ Quotes to ponder: "Unless we're armed with knowledge [meaning cold, hard money facts], we don't have the upper hand in negotiating." "Silence can be a very powerful negotiation tool, mainly because it allows you to react in a way that eliminates much of the emotion from the conversation." "One of the most potent ways to increase the amount you're offered is to simply make a counter-offer when you're presented with the first salary number." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 1871: Vicki Cook and Amy Blacklock explore the nuanced pros and cons of employee loyalty in a booming job market. While long-term commitment can lead to job security, personal growth, and professional recognition, blind loyalty may hold you back financially and emotionally, especially in toxic or stagnant environments. Discover how to assess whether staying or moving on better serves your long-term goals. Read along with the original article(s) here: https://womenwhomoney.com/benefits-drawbacks-employee-loyalty/ Quotes to ponder: "Staying put with a company you've come to know and trust contributes to increased job security confidence." "Employees sometimes take their commitments to their current employers too far and get stuck in a career rut, affecting their productivity and growth." "At the end of the day, you have to consider how much you're gaining by remaining a loyal employee and how much your loyalty could be costing you."

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 1871: Vicki Cook and Amy Blacklock explore the nuanced pros and cons of employee loyalty in a booming job market. While long-term commitment can lead to job security, personal growth, and professional recognition, blind loyalty may hold you back financially and emotionally, especially in toxic or stagnant environments. Discover how to assess whether staying or moving on better serves your long-term goals. Read along with the original article(s) here: https://womenwhomoney.com/benefits-drawbacks-employee-loyalty/ Quotes to ponder: "Staying put with a company you've come to know and trust contributes to increased job security confidence." "Employees sometimes take their commitments to their current employers too far and get stuck in a career rut, affecting their productivity and growth." "At the end of the day, you have to consider how much you're gaining by remaining a loyal employee and how much your loyalty could be costing you." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3333: Vicki Cook and Amy Blacklock break down what really happens if you die without a will, highlighting how state laws, not your loved ones, could dictate who inherits your assets. From risking your partner being excluded to losing control over your children's guardianship, they explain why creating and updating a will is essential for protecting your legacy and easing the burden on those you leave behind. Read along with the original article(s) here: https://womenwhomoney.com/die-without-creating-will/ Quotes to ponder: "A will is an essential part of building a solid financial house and you'll likely need one to protect your assets and your loved ones." "When in doubt, seek legal advice to make sure your will is valid and you're protecting your heirs." "Having all your stuff organized is going to be a huge help to your loved ones, who will likely need to figure this stuff out during a very emotional time." Episode references: RocketLawyer: https://www.rocketlawyer.com Trust & Will: https://trustandwill.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 1854: Laura shares practical guidance for aspiring entrepreneurs weighing the decision to keep a job while launching a business. Her thoughtful breakdown of financial, emotional, and logistical factors helps readers make informed choices that reduce stress and build confidence during the transition to self-employment. Read along with the original article(s) here: https://womenwhomoney.com/work-full-or-part-time-while-building-business/ Quotes to ponder: “Sometimes, staying in your job longer than anticipated may be the best move for you and your family.” “If you're stressed about finances or don't have enough saved, consider working part-time instead of quitting your job altogether.” “You may find you enjoy the work you do during the day and like the idea of building your business on the side.” Episode references: U.S. Department of Labor COBRA Information: https://www.dol.gov/general/topic/health-plans/cobra

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at:⁠ OLDPodcast.com⁠. Episode 1854: Laura shares practical guidance for aspiring entrepreneurs weighing the decision to keep a job while launching a business. Her thoughtful breakdown of financial, emotional, and logistical factors helps readers make informed choices that reduce stress and build confidence during the transition to self-employment. Read along with the original article(s) here:⁠ https://womenwhomoney.com/work-full-or-part-time-while-building-business/⁠ Quotes to ponder: “Sometimes, staying in your job longer than anticipated may be the best move for you and your family.” “If you're stressed about finances or don't have enough saved, consider working part-time instead of quitting your job altogether.” “You may find you enjoy the work you do during the day and like the idea of building your business on the side.” Episode references: U.S. Department of Labor COBRA Information:⁠ https://www.dol.gov/general/topic/health-plans/cobra

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 1853: Laura shares actionable advice for maintaining full or part-time employment while launching a business, offering a smart path to reduce financial stress and gain valuable experience. Her guidance empowers aspiring entrepreneurs to build with intention, stability, and long-term success in mind. Read along with the original article(s) here: https://womenwhomoney.com/work-full-or-part-time-while-building-business/ Quotes to ponder: "Working a day job can also give you the confidence to make better business decisions because you aren't operating from a place of financial desperation." "Your paycheck provides money to pay your bills, cover healthcare costs, and contribute to your retirement account while you build your business." "You may need to give up some social time, TV, or other hobbies to free up hours to work on your business." Episode references: The Lean Startup: https://www.amazon.com/Lean-Startup-Entrepreneurs-Continuous-Innovation/dp/0307887898

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at:⁠ OLDPodcast.com⁠. Episode 1853: Laura shares actionable advice for maintaining full or part-time employment while launching a business, offering a smart path to reduce financial stress and gain valuable experience. Her guidance empowers aspiring entrepreneurs to build with intention, stability, and long-term success in mind. Read along with the original article(s) here:⁠ https://womenwhomoney.com/work-full-or-part-time-while-building-business/⁠ Quotes to ponder: "Working a day job can also give you the confidence to make better business decisions because you aren't operating from a place of financial desperation." "Your paycheck provides money to pay your bills, cover healthcare costs, and contribute to your retirement account while you build your business." "You may need to give up some social time, TV, or other hobbies to free up hours to work on your business." Episode references: The Lean Startup:⁠ https://www.amazon.com/Lean-Startup-Entrepreneurs-Continuous-Innovation/dp/0307887898

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3159: Vicki Cook and Amy Blacklock reveal how cultivating gratitude can elevate both your financial and personal life. Through consistent appreciation for what you already have, they show how gratitude fosters a mindset of abundance that improves emotional health, strengthens relationships, and leads to more thoughtful money choices. Read along with the original article(s) here: https://womenwhomoney.com/gratitude-improve-health-and-wealth/ Quotes to ponder: "Gratitude helps you focus on what you have instead of what you lack, improving your outlook on life and reducing negative emotions like envy and resentment." "When you regularly practice gratitude, your brain releases dopamine and serotonin, chemicals that make you feel happier and more content." "Being thankful for what you already have encourages better spending, saving, and investing habits because you no longer chase happiness through material possessions." Episode references: The Happiness Advantage: https://www.amazon.com/Happiness-Advantage-Principles-Psychology-Performance/dp/0307591549 Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3305: Tax lien investing offers the promise of diversification, steady returns, and even the chance to acquire property at a fraction of its value. But as Vicki Cook and Amy Blacklock explain, the risks and complexities, such as bidding wars, due diligence, and potential repair or legal costs, make it a strategy best suited for experienced real estate investors. Their guidance helps you weigh whether the payoff justifies the time, effort, and risks involved. Read along with the original article(s) here: https://womenwhomoney.com/tax-lien-investing-make-money/ Quotes to ponder: "You don't need to be a real estate agent or have a business to invest in tax liens." "To make a smart tax lien investment, the due diligence takes time." "If investing in tax lien certificates wasn't a good way to make money, there wouldn't be much competition for them." Episode references: National Tax Lien Association: https://ntla.org Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 1808: Vicki Cook and Amy Blacklock clarify how the IRS distinguishes between willful tax fraud and unintentional negligence, emphasizing that intent is the deciding factor. They outline the serious consequences of fraud compared to the penalties for honest mistakes, helping readers better understand how to avoid costly missteps when filing taxes. Read along with the original article(s) here: https://womenwhomoney.com/willful-tax-fraud-unintentional-negligence/ Quotes to ponder: "Fraud requires an intentional act." "The difference between willful tax fraud and unintentional negligence comes down to intent." "Negligence may lead to penalties and interest, but fraud can result in criminal charges." Episode references: Internal Revenue Service - Taxpayer Rights: https://www.irs.gov/taxpayer-bill-of-rights IRS - Accuracy-Related Penalty: https://www.irs.gov/taxtopics/tc306 Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 1808: Vicki Cook and Amy Blacklock clarify how the IRS distinguishes between willful tax fraud and unintentional negligence, emphasizing that intent is the deciding factor. They outline the serious consequences of fraud compared to the penalties for honest mistakes, helping readers better understand how to avoid costly missteps when filing taxes. Read along with the original article(s) here: https://womenwhomoney.com/willful-tax-fraud-unintentional-negligence/ Quotes to ponder: "Fraud requires an intentional act." "The difference between willful tax fraud and unintentional negligence comes down to intent." "Negligence may lead to penalties and interest, but fraud can result in criminal charges." Episode references: Internal Revenue Service - Taxpayer Rights: https://www.irs.gov/taxpayer-bill-of-rights IRS - Accuracy-Related Penalty: https://www.irs.gov/taxtopics/tc306 Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3274: Stay-at-home parents take on an invaluable role, but the financial risks of stepping away from a paycheck are real. Amanda Kruse highlights the protections every family should consider, from retirement savings and insurance coverage to joint ownership of assets, legal agreements, and ways to maintain income potential. Her insights offer practical steps to safeguard the long-term security of both partners and strengthen financial resilience. Read along with the original article(s) here: https://womenwhomoney.com/financial-protections-stay-at-home-parents-need/ Quotes to ponder: "The SAH parent is a contributing member of the family and entitled to half the assets." "When the SAH parent isn't involved in money decisions, it sets the stage for disaster." "Though not always easy or pleasant, parents should consider the worst-case scenarios and plan for them." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3243: Laurie Sepulveda unpacks the true cost and often-overlooked fine print of extended warranties, showing how these contracts rarely offer the value consumers expect. Learn when it makes sense to say yes, when to walk away, and how to get peace of mind without overspending. Read along with the original article(s) here: https://womenwhomoney.com/extended-warranty-value-worth/ Quotes to ponder: "Service contracts cost extra and are sold separately." "The chance of you needing a costly repair, even on a used car, are slim." "You may still opt-in for service warranties, even when you know, the math may not work out in your favor since you find value in the peace of mind the coverage brings." Episode references: Warranty Week: https://www.warrantyweek.com Federal Trade Commission – Service Contracts: https://consumer.ftc.gov/articles/extended-warranties-service-contracts National Automobile Dealers Association (NADA): https://www.nada.org Consumer Reports: https://www.consumerreports.org Learn more about your ad choices. Visit megaphone.fm/adchoices