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Today I'm sitting down for another chat with one of my favorite guests, Danielle Robay. Danielle’s a TV host, journalist, host of Question Everything, co-executive producer of Bookmarked alongside Reese Witherspoon, and also one of my IRL good friends (a friendship that started, fittingly, as a work relationship). We're getting into how to turn relationships into your next job, business, or opportunity, and what to stop doing immediately if you want to earn more. Danielle reframes "networking" as long-game relationship-building, hands you a follow-up template you can use tomorrow, and explains why the cold "can I pick your brain?" email is going straight to the trash. If you're in transition — graduating, switching careers, getting a business off the ground — this one's for you.
Danielle’s links:
Website: https://www.daniellerobay.com/
Instagram: https://www.instagram.com/daniellerobay/
Danielle's podcast: https://www.daniellerobay.com/prettysmart
Question Everything card game: https://questioneverything.us/
Catch our other podcast episodes with Danielle:
How to be the Most Interesting Person in the Room with Danielle Robay: https://herfirst100k.com/financial-feminist-show-notes/ask-better-questions/
Owning Your Ambition with Danielle Robay: https://herfirst100k.com/financial-feminist-show-notes/owning-your-ambition-danielle-robay/
Visit https://herfirst100k.com/ffpod to grab our free Goal Setting Worksheet for a framework that will help you set actionable goals to take your dreams from ‘hope’ to ‘action.’
00:00 Intro
00:59 Why ambitious women network constantly but don't earn more
02:30 How Danielle's relationship to networking changed as her platform grew
04:30 The invented husband + two kids: a boundary hack
06:00 What makes a bad ask (and how to make a good one)
08:00 The "Quick question" subject-line hack
09:00 Why the "why" matters more than the "how"
11:00 Curiosity is a skill — and you already have it
13:00 The bamboo plant story
17:00 How to stay motivated when nobody's replying
19:00 What high earners do differently when they network
22:00 "What's your biggest pain point?" — the email that lands interviews
26:00 Mid-episode: free goal-setting worksheet
27:00 Where women network in ways that get them liked but not paid
33:00 The networking habit to stop immediately
35:00 Role play: how to follow up in 4 real scenarios
42:00 Getting into rooms where decisions and dollars are made
44:00 The #1 shift to make this year: throw the event
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If you've been checking every box, hitting every goal, and somehow feeling further away from yourself than ever, this episode is for you. Our guest today is Michelle Razavi, and she’s back with an important message. Since she was last on the show, she and her co-founder Nikki have grown their business Elavi into a multimillion-dollar business now in Costco, Whole Foods, H-E-B, and Thrive Market. Michelle is one of the rare founders who builds with absolute tenacity and protects her peace. In this episode we get into the neuroscience of why hustle mode is working against you, the tech boundaries that actually hold, the real psychology of why you won't delegate, and what it takes to build as a woman of color when the odds are stacked against you.
MIchelle’s links:
Website: https://elavi.co/
Visit https://herfirst100k.com/ffpod to grab a copy of our free Side Hustle Skill Finder to figure out exactly which of your existing skills can make you money!
00:00 Intro
03:30 Energy management vs. time management
05:00 Executive function vs fight-or-flight
09:30 Getting comfortable being uncomfortable
14:00 "Why isn't it happening for me?"
19:00 Urgent vs. important
24:00 "Can it wait?" and "Is this serving me?"
27:00 The physical first signs of burnout
36:00 When online harassment becomes a panic response
40:00 You can't go from chaos to calm in two minutes
42:00 The five senses checklist + sitting on the ground
44:00 Redefining relationships and "balance" across seasons
47:00 Technology boundaries that actually hold
54:00 Let's rebrand delegation: accepting 80%
59:00 Building as a woman of color when people doubt you
1:05:00 Envy as information
1:09:00 One small shift this week: put your phone away
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Saknas det avsnitt?
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Visit https://herfirst100k.com/ffpod to grab a copy of our free Side Hustle Skill Finder to figure out exactly which of your existing skills can make you money, and what to do with them first!
The real reason you haven't started your business isn't that you're not ready. It's that you're waiting to feel ready, and those are not the same thing. Today I'm sitting down with Jasmine Star, entrepreneur, business strategist, and CEO of Social Curator, who has built multiple seven and eight figure businesses starting from literally nothing. We're getting into how to find the skill you're already sitting on, why clarity only comes after you take action, how to price yourself when you're just starting out, and what it actually takes to build something real without an audience, a degree, or a perfect plan. If you've been waiting for a sign to start, this is it.
Jasmine’s links:
Instagram: https://www.instagram.com/jasminestar
Website: https://jasminestar.com/
Social Curator: https://www.socialcurator.com/
00:00 Intro
02:08 What Skill Are You Already Sitting On?
03:05 Every Market Is Saturated — So What?
04:59 Humans Buy from Humans: Your Unique Value
06:28 Treat It Like a Test, Not a Failure
07:38 Identity & Separating Yourself from Results
08:09 Jasmine's Origin Story: Starting with Nothing
18:41 Why Clarity Only Comes After Action
20:44 The Belief Gap: Do You Think You Have What It Takes?
23:55 Start Small: Build Belief Through Evidence
26:03 Three Questions to Find Your Business Idea
27:27 New Levels, New Devils
30:40 Pricing: Start Low & Let the Market Push You Up
32:54 Side Hustle First or Burn the Boats?
37:48 Your First Business Is a Bridge, Not the Destination
38:42 Common Busy Work Mistaken for Progress
45:18 Entrepreneurship Creates Options, Not Just Income
52:34 The First Step to Take This Week
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What if the reason you're afraid of building wealth has nothing to do with you, and everything to do with a system designed to keep you that way? In this episode, I'm pulling back the curtain on something most people won't say out loud: the reason so many women are afraid to build wealth isn't a personal failing, it's by design. From the fears holding us back before we even start, to every way my own financial success made me a "bad woman" by the patriarchy's standards, this episode is giving you permission to stop apologizing for wanting more. Because every dollar you earn, save, and invest? It's a vote against a system that never wanted you to have it.
Visit https://herfirst100k.com/ffpod to find any resources mentioned on our show!
Listen to Erin Gallagher episode on being an uncontrollable woman: https://herfirst100k.com/financial-feminist-show-notes/inner-mean-girl/
00:00 Intro: Why Women Fear Wealth
01:57 FOG: Fear, Obligation & Guilt Explained
04:50 Money Avoidance & the Ostrich Effect
05:25 The Key Reframe: You're Not Bad With Money
06:00 The "Good Woman" Checklist
06:38 Female Financial Dependence Is by Design
08:45 The Data: Wage Gap, Wealth Gap & Unpaid Labor
09:34 You Still Have to Play the Game
13:05 Tori's Personal Story: Building Wealth Fast
13:48 "Money Doesn't Change You — It Shows You Who You Are"
16:31 Wealth as an Amplifier, Not a Transformer
17:25 Staying Broke Doesn't Make You Virtuous
20:45 How Becoming Rich Made Me a Bad Woman
28:35 I Became Dangerous to Anyone Who Benefited From My Smallness
29:27 The Double Standard: Wealthy Man vs. Wealthy Woman
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What if your thirties were about impressing yourself instead of others? In this episode, Tori gets real about the shift in priorities that comes with entering a new decade, reflecting on everything from financial independence and self-care to setting boundaries. She encourages listeners to stop apologizing for their choices and start building a life that aligns with their values. Whether you're navigating your twenties or already thinking ahead, this episode is packed with insights that will inspire you to take control of your finances and well-being with confidence and purpose.
Not sure where to start on your financial journey? Take our FREE money plan quiz and get access to my favorite money tools: https://herfirst100k.com/ffpod
My personal trainer: https://www.instagram.com/adaispresent/
00:00 Welcome & Free Money Personality Quiz
01:00 Managing Money Differently in Your 30s
02:45 Stop Apologizing for Your Purchases
06:00 Prioritize New Financial Goals
07:00 Navigating Money With a Partner
08:00 Investing in Your Health
10:00 Why Health Spending Pays Off Long-Term
13:30 Adjusting Your Investment Strategy
14:30 Financial Independence & Living Off Investments
15:00 Setting Better Work-Life Boundaries
16:45 Why You Need a Will and Life Insurance
19:00 Business Planning & What's Coming Next
20:00 Final Thoughts & How Your Money Shifts by Decade
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What if the real reason you're not hitting your money goals has nothing to do with how hard you're working? In this millionaire mindset episode, I'm introducing you to the Lever Theory, the framework that completely changed the way I run my $7.5 million dollar business and manage my own finances. Ever felt like you're pushing a boulder up a hill and getting nowhere? Well this episode is going to reframe everything. We're talking about why hustle culture is lying to you, why you have to know your numbers before anything else works, and how to find the one single move that closes the gap between where you are and where you want to be. No grinding required.
Visit https://herfirst100k.com/ffpod to sign up for the free Savings Sprint and stay up-to-date on all resources mentioned on our show!
The #1 Mindset Holding You Back podcast episode: https://herfirst100k.com/financial-feminist-show-notes/142-the-1-mindset-holding-you-back-in-life/
00:00 Intro
00:47 Why working harder is almost never the answer
01:10 What Millionaire Mindset is about
03:19 Why hustle culture disproportionately traps women
04:07 The lie: more hours = more output = more worth
06:05 Grinding past a certain point is just expensive noise
08:45 You can't set goals if you don't know your numbers
10:05 The ostrich effect: putting your head in the sand
11:36 You cannot pull a lever you can't see
13:06 The Lever Theory explained
14:28 Finding the gap: a revenue example
15:43 The three questions to find your lever
18:35 Implementing the Lever Theory beyond business
20:49 Working smarter, not harder
22:09 Saving Sprint announcement
24:09 Why we resist finding the lever
26:14 The all-or-nothing mindset sabotaging your goals
27:10 Analysis paralysis and the fear of simplicity
29:21 How to find your lever (5 steps)
33:29 Your homework: find the lever this week
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Why do we stay in jobs, relationships, and financial patterns we know aren't working? Author and journalist Simone Stolzoff is back on the show to talk about his new book, How to Not Know — and the surprising answer has everything to do with our relationship with uncertainty. We're getting into the three certainty traps keeping you stuck, why more information is actually making your anxiety worse, the difference between one-way and two-way door decisions, and what it really takes to break the cycle when you can see the problem but can't seem to move. This is one of the most powerful conversations we've had on this show, and one you'll want to send to everyone you know.
Simone’s links:
How to Not Know: https://bookshop.org/a/90037/9781324089452
Learn the exact strategies to save money, pay off debt, improve your money mindset, increase your net worth, in The $100K Club. Get the details here: https://herfirst100k.com/ffpod.
00:00 Intro
01:08 Why Uncertainty Feels Worse Than Bad News
03:14 Three Certainty Traps: Comfort, Hubris & Control
04:49 Why We Struggle to Admit We Were Wrong
05:36 Identity, Doubling Down & Changing Your Mind
10:23 Why Our Tolerance for Uncertainty Is Declining
14:28 More Information, More Anxiety
16:18 Escalating Commitment
16:52 Stop Loss Strategies & Rules-Based Decision Making
20:13 Outsourcing Your Willpower & Knowing Your "Enough"
28:08 Connie & Andrew's "Year of Living Dangerously"
30:21 How to Run Your Own Low-Stakes Life Experiment
35:16 One-Way Door vs. Two-Way Door Decisions
44:39 Ghost Ships: Making Peace with the Paths Not Taken
50:39 The Miscarriage, the Uncertainty & Finding Your Anchors
54:54 How to Not Know
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You might be the loneliest you've ever been — and have no idea why. One of my favorite guests and favorite humans, Liz Moody, is back on the show to talk about why loneliness isn't an exposure problem. It's not about being around more people. It's a discomfort problem. We're getting into why our frictionless, optimized lives are quietly killing our ability to connect, what it actually takes to build real friendships from scratch, why vulnerability is the shortcut nobody wants to take, and the one shift you can make this week that will move you toward deeper connection — no new plans required.
Liz’s links:
Website: https://www.lizmoody.com/
Instagram: https://www.instagram.com/lizmoody/
Podcast: https://www.lizmoody.com/the-liz-moody-podcast/
Book: A Hundred Ways to Change Your Life: http://Bookshopbookshop.org/a/90037/9780063333710
Not sure what to do with your money? Visit https://herfirst100k.com/ffpod and take our FREE Money Plan Quiz to get your personalized money plan, and find any resources mentioned on our show!
00:00 Intro
00:13 Why We've Never Been More Connected — Yet More Alone
02:34 The "Creation Era" of Friendship & Why Discomfort Is the Price of Connection
03:23 The Cozy Era vs. The Creation Era of Friendship
06:17 Loneliness Is a Discomfort Problem, Not an Exposure Problem
11:37 Misdiagnosing Loneliness — What You're Actually Missing
13:05 The Harvard Study of Adult Development & the #1 Predictor of a Long Life
14:59 Face-Down Phone Theory & What Your Phone Is Costing Your Relationships
11:27 Match Theory: Stop Impressing, Start Finding Your People
17:32 The 50-Hour Rule: How Long It Really Takes to Make a Friend
21:17 From Transaction to Connection — Getting Past Tit for Tat
21:13 Human Beings vs. Human Doings: Productivity Culture & Friendship
38:21 Shared Experiences, Novelty & Building Deeper Bonds
38:16 "Abouts" — The Secret Ingredient to Lasting Friendships
50:24 Healthy Solitude vs. Loneliness (and Why Most of Us Never Actually Rest)
58:20 The One Shift to Make This Week If You Feel Lonely
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What if every bill you're already paying could get you closer to a free flight?
Today I'm talking to Shakeemah "Keem" Smith — founder of Bills to Boarding Passes, solo travel educator, and the woman her family literally nicknamed The Passport Abuser — to talk about how she's traveled to nearly 100 countries without paying out of pocket for a single flight in three years. And no, you don't need a high-limit credit card or a six-figure salary to do this.
Keem breaks down her Bills to Boarding Passes method, the airline partnerships most people have never heard of, why solo travel might be the most powerful thing you do for yourself this year, and the exact first steps to take this week, no matter your income, your debt situation, or your starting point. You’re gonna want to share this episode with a friend!
Ready to turn your everyday bills into free flights? Sign up for our FREE Bills to Boarding Passes workshop with Keem & Tori: https://herfirst100k.com/ffpod
Compare the cheapest flights from all major airlines at Skyscanner.com
Visit https://herfirst100k.com/ffpod to find our credit card recommendations and any other resources mentioned on our show!
00:00 Intro
01:36 Your Bills Are Your Boarding Passes
04:07 Airline Miles vs. Credit Card Points: What's the Difference?
07:05 How Airlines Make Money When You're Not Flying
09:32 Earning Miles on Your Utility Bills (NRG Partnership)
11:03 How Keem Got to Her First 20 Countries for Under $100
13:55 How to Travel for Free Without a Credit Card
16:22 What Started Solo Travel: A Friendship Betrayal in Amsterdam
19:10 Learning to Enjoy Your Own Company at 30
21:29 Traveling as a Black Woman — Safety, Research & Real Talk
28:24 Actionable Steps for the Woman Who Thinks She Can't Afford to Travel
31:44 Japan for $6 — Three Times (and Other Receipt-Worthy Receipts)
35:19 Treating Retailers Like You Treat Men: The 2-Out-of-3 Rule
38:44 Country That Surprised Me Most: Kuwait
39:31 The One Thing I Always Pack: A Carbon Monoxide Detector
41:27 Worst Travel Disaster: Saint Kitts Airport Scam
44:45 Best Flight Deal: $5 Flights as a Lifestyle
45:42 Most Underrated Solo Destination: Antigua and Barbuda
47:20 Final Message to the Woman Who Thinks Travel Isn't for Her
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Yes, my $100K story has been in the New York Times, Business Insider, and on ABC News — and yes, I did it in 2019. But every time it goes viral, my DMs say the same thing: "Cool for you, Tori, but that was a different economy." So let's actually talk about it. In this episode, I'm breaking down exactly what I would do differently if I were starting from zero in my early 20s today — what still works from my original system, what I'd change, and why hitting your first $100K in 2026 is harder, but absolutely not impossible. This isn't a motivation episode. This is a framework episode built for the economy we're actually living in, with real numbers, real talk about systemic barriers, and a step-by-step system you can plug into your own money starting today.
Want to build your first $100K, but not sure where to start? Visit https://herfirst100k.com/ffpod to get my free guide.
Get my HYSA recommendation, my book, Financial Feminist, and more resources from this episode at https://herfirst100k.com/ffpod
How I Saved $100K at 25: https://herfirst100k.com/financial-feminist-show-notes/how-to-save-100k/
00:00 Intro
00:18 How Tori Hit $100K (Origin Story)
00:55 What Actually Went Into It
02:43 What Tori Didn't Have
03:28 Why 2016–2019 Was Different Than Now
07:18 What's Genuinely Harder Today
09:10 The Latte Factor Era Is Dead
10:03 The System Still Works
11:57 If I Was Starting Today
12:11 Step 1: Stop Trying to Be Perfect
15:22 Step 2: Don't Write Off Someone's Story
17:35 Step 3: Redefine What Your $100K Means
19:43 Step 4: Automate Your Savings
22:19 Step 5: Focus on Growing Income
23:57 Negotiate Every Job Offer
26:01 Step 6: Start Investing Now
29:11 Step 7: Values-Based Spending
31:11 The Full Plan Recap & Free Resource
32:28 Closing: You're Not Behind
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What if you never had to choose between building wealth and honoring where you came from? Bricia Lopez didn't –– and she built something incredible because of it. She grew up translating for her immigrant parents, learned money by watching her family create and lose and rebuild, and went on to become a restaurateur, cookbook author, and the woman behind one of LA's most iconic Oaxacan restaurants, Guelaguetza. Today she's sharing everything, the mindset, the hard lessons, the margarita vs. martini moment that changed how she thinks about her own worth. Come for the food, stay for the money talk.
Bricia’s links:
Website: https://www.ilovemicheladas.com/
Join the savings sprint to get your finances on track and take control of your money: https://herfirst100k.com/ffpod.
00:00 Intro
00:20 The First Money Lesson: You Can Just Make It
02:57 Being the Family Translator & Business Partner at 12
05:25 Redefining Success at Every Decade
09:08 Cutting Personal Comfort, Not Quality, During Hard Times
16:58 Why Bricia Talks Money Openly With Her Friends
17:22 The Margarita vs. Martini — Running Your Own Race
25:52 Why Customers Hesitate to Pay for Quality Mexican Food
26:37 The Importance of Knowing Your Worth
38:47 How Wealth Is More Than a Number
29:00 Building Something Meaningful Without Abandoning Your Roots
31:09 When Women Are Financially Free, the World Changes
32:38 Rapid Fire: Best Dish to Order, Desert Island Ingredients & More
38:58 Where to Find Bricia & What's Coming Next
To stay up to date and find any other resources mentioned on our show visit: https://herfirst100k.com/ffpod
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If you've ever thought, "I know what I'm supposed to be doing with my money, so why can't I just do it?"–– this episode is going to change everything.
I'm sitting down with Dr. Nick, a licensed neuropsychologist and executive cognition specialist, to unpack the brain science behind why smart, capable women still make emotional financial decisions. We're going into the dopamine deficit that makes long-term financial goals feel impossible to start, the norepinephrine surge that only kicks in when things become an emergency, and why "I'm bad with money" is a story your brain makes up — not a fact about who you are.
Dr. Nick breaks down how emotional dysregulation silently drives impulse spending, financial avoidance, and the boom-bust cycle so many of us know too well, and more importantly, how to build systems, practice self-compassion, and rewire your brain's relationship with money, one small win at a time.
Dr. Nick’s links:
Website: https://www.drnicolemurray.com/
Visit https://herfirst100k.com/ffpod to stay up to date and find any resources mentioned on our show.
If you're feeling stressed about money, we've created a money plan to help you, no matter where you're getting started. Taking a quick 2-minute quiz to get your money plan at https://herfirst100k.com/ffpod
In this episode:
00:00 How Emotional Decisions Shape Your Finances
01:47 Why Knowing Isn't Enough: The Brain Science
02:56 The Role of Dopamine in Financial Decisions
05:11 How to Create Urgency Before a Crisis
07:52 "I'm Just Bad With Money" — Debunked
10:15 What Is Emotional Regulation (And Why It Matters)
14:52 The Intensity Gauge: Rating Your Emotions
15:02 Managing the "Always at an 8" vs. Numb Baseline
17:29 Making Financial Decisions at a 5, 6, or 7
19:19 Replacing Mindless Spending With Systems
29:54 Willpower Is a Myth — Here's What Actually Works
32:11 The Case for Self-Compassion Over Willpower
35:43 The Boom-Bust Cycle of Financial Motivation
39:28 How Emotional Regulation Changes With Age
42:24 Preparing for Life's Transitions
49:00 Rebuilding Trust With Yourself and Your Money
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If you've ever power posed in a bathroom mirror or blasted a Beyoncé song before a big negotiation hoping it would make you believe in yourself, this episode is going to completely change the way you think about confidence. I'm sitting down with return guest Kara Loewentheil, founder of The School of New Feminist Thought, host of the internationally top-ranked podcast Unfuck Your Brain, and author of the instant New York Times bestseller Take Back Your Brain, and we're getting into the real, evidence-backed truth about what confidence actually is — and why everything you've been told about building it is probably doing you more harm than good. Kara breaks down her Confidence Compass framework — self-knowledge, self-compassion, self-belief, and self-actualization — and why real confidence has nothing to do with a feeling or a pose, and everything to do with building a trusting relationship with yourself so you can take risks, go after your financial goals, and create the life you actually want.
Kara’s links:
Website: http://unfuckyourbrain.com/HSC
Unf*ck Your Brain podcast: https://schoolofnewfeministthought.com/podcasts/
Take Back Your Brain book: https://www.takebackyourbrainbook.com/
Learn what you need to decide, start, & succeed as a coach in Coach-Curious Prep School: https://socraticcoaching.com/curious/?utm_medium=podcast&utm_source=toridunlap&utm_campaign=socraticcoachingaffiliates0626&utm_content=coachcurious
Visit https://herfirst100k.com/ffpod to read the transcript and find any resources mentioned in this episode!
0:00 Intro
0:59 Confidence Is a Skillset, Not a Feeling
2:08 Why Power Poses and Beyoncé Songs Don't Work
4:19 Does "Fake It Till You Make It" Actually Work?
5:19 Kara's Background: Yale, Harvard Law, and Becoming a Coach
5:34 Betting on Yourself Without Feeling Confident
7:55 Confidence vs. Certainty and Control
9:30 Confidence as a Relationship with Yourself
12:02 The Confidence Compass Framework
14:40 Money, Shame, and Which Block Shows Up Most
16:47 How Shame Disguises Itself as Responsibility
19:37 The Permission Slip Problem
27:31 How to Uncouple Shame and Build New Beliefs
38:28 Unlearning Selflessness Without Feeling Selfish
43:04 Confidence Doesn't Come from Having Things — It Creates Them
45:37 Using the Confidence Compass for Money Goals
48:52 The Seeds of Who You Want to Be Are Already in You
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Summer travel is something most of us look forward to all year.
But without a plan, it can leave you with a maxed-out credit card and a lot of financial stress to come home to. In this episode of Financial Feminist, I'm breaking down exactly how to budget for summer travel so you can enjoy your trip without the money anxiety hanging over you the whole time. I'll walk you through how to set a realistic trip cap before you ever open a flight search tab, why travel is a known predictable expense and not just a fun splurge, and how to build a sinking fund so the money is already there when it's time to book. If you’re craving a getaway this summer, I'm giving you a step-by-step framework, plus my favorite money-saving tools and practical tips, so you can travel well and come home financially intact.
*Important note: this episode was recorded in January 2026, before the increase in gas prices
My favorite tool for finding flight deals: https://going.sjv.io/c/1408818/3039272/10802
Get my Bill Breakthrough scripts: https://herfirst100k.com/bill-breakthrough
Compare offers for Auto Insurance: https://herfirst100k.com/auto
Visit https://herfirst100k.com/ffpod to get my free Travel Budgeting Spreadsheet!
See my credit card recommendations: https://herfirst100k.com/credit-cards
00:00 Intro
00:16 Why Summer Travel Feels So Expensive
02:50 Step 1: Set Your Total Trip Cap
03:49 A Budget Is Not a Killjoy
05:46 Let Flight Deals Decide Where You Go
07:55 Step 2: Break the Trip Into Real Categories
12:22 Step 3: Plan Backwards
15:13 Step 4: Cut Costs Without Ruining the Trip
17:48 Book Experiences in Advance & Pick Your Splurges
19:21 Use Credit Card Points
19:58 What to Do If You Can't Afford the Trip You Want
22:05 Travel Is Part of a Rich Life
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If paying off debt is starting to feel like it's swallowing your whole life–– this episode is for you. Today I’m getting honest with you about something the personal finance world doesn't say enough: debt payoff isn't just a numbers problem, it's an emotional one. The mental load of tracking balances, watching interest undo your progress, and feeling like you have to earn joy before you've hit zero is exhausting, and it's not what sustainable financial freedom looks like. In this episode, I'm giving you the pep talk you actually need, breaking down why hyper-vigilance around debt isn't discipline, what to do when debt payoff has consumed your entire personality, and four practical ways to protect your energy so you can keep going without burning out.
Watch How to Payoff Credit Card Debt FAST: https://youtu.be/qLR-x0Zg4eY
Visit https://herfirst100k.com/ffpod to join the free 5-Day Debt Payoff Challenge!
00:00 Intro
00:23 The Pep Talk You Need
01:16 Debt as Cognitive Labor
01:50 Why Debt Payoff Feels So Hard
02:28 Shame & Moral Failure Around Debt
03:02 The Invisible, Unpaid Work of Debt
03:52 Hyper-Vigilance Is Not Discipline
04:15 When Debt Becomes Your Whole Identity
05:22 You Don't Have to Suffer to Be Responsible
08:02 4 Ways to Protect Your Energy
08:09 #1 – Automate Everything
09:00 #2 – Stop Checking Your Accounts Daily
10:52 #3 – Give Yourself Permission to Have a Personality
11:24 #4 – Slow Progress Beats Burnout
11:33 Closing Thoughts
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If there's one episode I need every woman in your life to hear, it's this one — because what Erin and I unpack together has the power to completely transform the way you show up for yourself and the women around you. Erin Gallagher is the CEO and founder of Hype Women, an inclusive network unlocking women's access to human, social, and financial capital, and the author of the book Hype Women. In this episode, we get into the real reason women are conditioned to put everyone else first, how to tell the difference between anxiety and intuition, and why you cannot build real wealth, real friendships, or a real life until you stop abandoning yourself. We walk through the three stages of metamorphosis, and break down the spectrum from mean girl to hype woman so you can finally audit the women in your life (and the woman inside your head). This episode is the pep talk you didn't know you needed.
Erin’s links:
Website: www.hypewomen.com
Visit https://herfirst100k.com/ffpod to see the show notes and read the transcript of this episode!
00:00 Intro
01:08 The Phrase That Changed Everything
02:55 Why Women Abandon Themselves
06:40 The Constant Threat Assessment
09:45 Remembering Who You Are
13:30 The Difference Between Intuition and Anxiety
17:40 Is It Still Working?
21:00 The Three Stages: Caterpillar, Cocoon, Monarch
25:10 Looking Around at 40
29:30 Renegotiating Your Life
33:15 The Mean Girl Inside of Us
37:00 You Can't Hype Others Until You Hype Yourself
41:45 Recognizing Your Conditioning
46:00 The Five Types on the Spectrum
51:00 Learning to Hype Yourself
56:00 Building Your A-Team
60:00 The Power of Women's Communities
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If you’ve been doing everything "right" financially and still feel like you’re failing, this episode is for you. In this third installment of the millionaire mindset series, I'm talking about one of the most transformative (and underrated) wealth skills there is: parenting yourself. I'm breaking down why self-discipline without self-care is just self-abandonment, how your unmet basic needs are quietly costing you money and momentum, and the practical, tactical ways you can start treating yourself like someone worth taking care of––starting right now. Because you can't out-hustle a dysregulated nervous system, and the most successful people I know aren't bullying themselves into success. They're parenting themselves into it.
Mentioned in this episode:
millionaire mindset: taking risks - https://herfirst100k.com/financial-feminist-show-notes/millionaire-mindset-taking-risks/
millionaire mindset: time wealth - https://herfirst100k.com/financial-feminist-show-notes/millionaire-mindset-time-wealth/
Amanda Goetz episode - https://herfirst100k.com/financial-feminist-show-notes/earn-more-money-without-hustle/
Visit https://herfirst100k.com/ffpod to get your free daily reset worksheet & any other resources mentioned on or show!
00:00 Intro
00:23 What Millionaire Mindset series is about
02:08 Taking care of yourself like a child
03:35 Seeing future you as someone to take care of
06:16 Becoming someone you can rely on
07:37 Self-discipline without self-care is self abandonment
13:09 Create a bedtime routine
16:16 Building transitions into your day
17:58 Talking to yourself
19:21 Creating safety within your own brain and body
21:21 When feeling emotionally overwhelmed
23:19 Self-talk scripts to try
25:41 Finding joy and play again
28:42 Free daily reset sheet
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If you want to land a job you actually love and make more money in 2026, this episode is one you’ll come back to again and again. I’m joined by Claire Wasserman––bestselling author, founder of Ladies Get Paid, and one of the smartest people I know when it comes to navigating the job market, negotiating pay, and owning your worth at work. We break down how to position yourself for higher compensation, why everything is a negotiation, and how to stop sabotaging your own success with guilt, fear, or hustle culture. From negotiating raises and reframing your value to job searching smarter, building relationships, and redefining success on your own terms, this conversation will change how you think about your career.
Claire’s links:
Website: https://www.coachmeclaire.com/ Ladies Get Paid: https://ladiesgetpaid.com/
Visit https://herfirst100k.com/ffpod to see the show notes and read the transcript of this episode!
0:00 Intro
01:15 Knowing Your Worth Changes Everything
03:30 Being Underpaid and Taking Action
06:40 Why This Work Matters for Women
09:45 Negotiating with Yourself First
13:30 Getting Data to Confirm You're Underpaid
17:40 The LLC of Me Framework
21:00 Translating Your Value to Dollars
25:10 Mistakes Women Make in Negotiations
29:30 Beyond Your Job Description
33:15 Building Relationships at Work
37:00 Navigating a Tough Job Market
41:45 Fractional Work as an Alternative
46:00 Managing the Job Search While Working
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If you’re thinking about quitting your job in 2026 and finally starting your own business, this episode is your practical roadmap. I’m joined by lawyer-turned-entrepreneur Sam Vander Wielen, who left corporate law with multi-six-figure student loans, built a multi-seven-figure digital products company, and learned firsthand what entrepreneurship can and cannot do for your happiness. We’re talking about how to financially plan your exit from a 9-to-5, what legal steps you need (LLC, contracts, trademarks), and how to stop tying your worth to income, vanity metrics, or job titles. If you want a sustainable, smart plan for quitting your job and building a profitable business in 2026, this conversation will show you how to do it without burning your life down in the process.
Sam’s links:
Get Sam’s book: https://www.samvanderwielen.com/book/ Listen to Sam’s podcast: https://www.samvanderwielen.com/podcast
Sign up for Sam’s newsletter: https://www.samvanderwielen.com/easy-emails
To get more resources including any freebies mentioned in this episode, head to https://herfirst100k.com/ffpod
0:00 Intro
01:15 The Happiness Myth
04:30 Why We Tie Happiness to Milestones
07:30 What a Business Can (and Can’t) Give You
11:00 Money as a Tool for Safety and Choice
15:00 Sam’s Corporate Law Wake-Up Call
20:00 The Stability Myth of Corporate Jobs
25:30 Planning a Real Exit From Your 9–5
30:30 Legal Basics for Starting a Business
36:00 Why Entrepreneurship Doesn’t Fix Your Life
41:30 Redefining Success Before You Leap
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Millionaires don’t just buy things––they buy time. And if you’ve ever felt like you’re constantly busy but somehow never getting closer to the life you actually want, this episode is for you. In our second installment of the millionaire mindset series, I’m breaking down what I call time wealth. The idea that real wealth isn’t just about how much money you make, but how much of your life you get to keep. I’m sharing exactly how millionaires think about time, the sneaky ways you’re leaking it without realizing, and the small but powerful shifts you can start making right now to buy back your evenings, your energy, and your future—even if you’re not rich yet.
Catch up on episode 1 of millionaire mindset: https://herfirst100k.com/financial-feminist-show-notes/millionaire-mindset-taking-risks/
To get more resources including any freebies mentioned in this episode, head to https://herfirst100k.com/ffpod
00:00 Intro
00:44 What the millionaire mindset series is about
01:22 Time wealth: buying back your time
02:11 Time is your greatest asset, not money
05:15 Time leaks: where you're wasting time
05:36 Decision fatigue - spending too much time deciding
10:00 Doing $10 tasks with $100 goals
12:43 Reactive living - letting others' urgency dictate your day
14:26 Unpaid emotional labor
15:50 How millionaires audit their time ruthlessly
19:58 Delegating before you're ready
25:23 Habit stacking to maximize your time
30:17 Saying no early and often
33:25 Time wealth is self-respect
35:14 This week's wealth move
Learn more about your ad choices. Visit megaphone.fm/adchoices - Visa fler
