This week, we’re bringing you a special replay crossover episode with Lucie Fink — podcast host, video producer, digital educator, and host of “The Real Stuff with Lucie Fink.” In this insightful conversation, Tori details her journey to becoming a multimillionaire, demystifying the concept of "coast FIRE" and the significance of reaching that initial $100,000 savings goal. Tori generously shares her knowledge on effective investment strategies and highlights the power of financial literacy. This discussion goes beyond building wealth — it's a call to normalize conversations about money, sex, societal norms, and navigating the balance between privacy and openness in our personal lives.

Lucie’s links:

The Real Stuff Podcast: https://lnk.to/TheRealStuffWithLucieFink 

Instagram: https://www.instagram.com/luciebfink/ 

Talking about money with your partner can be hard, but it’s necessary. Visit https://herfirst100k.com/ffpod to download our Money Conversation Cards –– 30 question cards to help spark fun, intimate, and beneficial conversations about money with your partner.
00:00 The power of financial stability

07:16 From her first $100K to multi-millionaire

29:41 Navigating the challenges of financial transparency and safety 

39:12 Authenticity, success, and mental health online

40:17 Addressing internet trolls and financial transparency

41:42 Navigating body image 

47:50 Exploring confidence, pain, and self-care

50:07 Discussing future plans and personal growth

51:57 The realities of publishing and achieving milestones

54:39 Personal relationships and privacy boundaries

01:03:17 The importance of financial conversations in relationships

01:11:00 Understanding prenups and financial independence

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To work to change a system, you have to understand it first. But as today’s guest will show you, it turns out our understanding of American patriarchy is completely different than what we thought it was. Today I sat down with Anna Malaika Tubbs –– two-time New York Times bestselling author, sociologist, and storyteller with a PhD in sociology and a master's in gender studies from the University of Cambridge, plus a BA from Stanford (whew!) — and we're talking about American patriarchy. We get into why the Founding Fathers and the Constitution are inherently patriarchal, what history actually teaches us about how change happens, and why Anna wasn't surprised by Trump's reelection. I threw out almost every prepared question because this conversation was that good. This episode will make you furious and hopeful in the same breath.

Anna’s links:

Website: https://annamalaikatubbs.com/  

Erased by Anna Malaike Tubbs:  https://bookshop.org/a/90037/9781250876690 

The Three Mothers by Anna Malaika Tubbs: https://bookshop.org/a/90037/9781250756138 

Also mentioned in this episode:

Steve Phillips, How We Win the Civil War: https://bookshop.org/a/90037/9781620978481

Sarah McBride on Why the Left Lost on Trans Rights | The Ezra Klein Show: https://www.youtube.com/watch?v=KlbNFsAGFRc 

Bookshop.org website:  http://Bookshop.org 

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

01:40 What "American patriarchy" actually means

06:37 The Founding Fathers' blueprint 

15:21 The tug-of-war at the center of all American history

19:19 Why Trump's re-election wasn't a surprise

25:10 How slow progressive change actually works

31:55 Do all roads lead back to patriarchy?

36:04 "We haven't arrived anywhere new"

45:28 Moving rights to the states: a repeating tactic

52:48 Can you get rich in a system that wasn't built for you?

58:51 The power you already have

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A video I posted about the tradwife movement blew up, and the comments made one thing clear: most people are using "tradwife" and "stay-at-home mom" interchangeably. They are not the same thing, and the difference matters. In this episode, I'm breaking down what a tradwife actually is versus what Tiffany Dufu calls a "non-compensated working mom," why romanticizing financial dependence is dangerous no matter how happy your marriage is right now, and the seven concrete moves every woman; married, partnered, or neither; needs to make to protect herself financially. This isn't anti-marriage or anti-stay-at-home mom. It's pro protecting you from financial ruin.

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: The 15-word post that broke the internet

00:37 Meet Tori + episode overview

01:46 What is a tradwife, actually?

02:32 Why the tradwife aesthetic is so appealing

04:21 The Ballerina Farm irony

05:01 Tradwife vs. stay-at-home mom: not the same thing

06:39 Tori's parents: how to stay home without losing financial power

07:52 Why women hand over financial control

11:09 "Your boss can starve you too" — debunked

12:10 "Just marry the right man" — what the data says

15:28 Tradwife trend = burnout in a sundress

15:44 The real villain: the system, not the woman

18:28 The 7-step financial protection plan

18:48 1. Put your name on everything

19:13 2. Have your own money

19:51 3. Keep your credit alive

20:08 4. Know every number

21:08 5. Keep your skills and network warm

21:38 6. Know your legal protections

23:00 7. Have the "what if" conversation

23:37 Closing: bet on yourself

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In this edition of Study Hall, I'm compiling all of our best credit card debt advice into one place so you can stop Googling in a shame spiral at 2 a.m. and actually understand what's going on with your debt. I'm breaking down how interest really works (and why credit card debt is uniquely expensive), walking you through step-by-step payoff strategies,  including the avalanche method, the Debt Free Guys' lasso method, and using personal loans to consolidate, and I'm finishing with some real talk about why shame is the worst debt payoff strategy on the planet. If you're carrying credit card debt and you feel stuck, overwhelmed, or like it's somehow your fault: this episode is your starting line.

Pay off credit card debt fast. Check your eligibility without it affecting your credit score. Go to ⁠https://herfirst100k.com/payoff to see if you qualify. Terms apply.

00:00 What makes up debt? 

01:00 How credit card interest actually works

04:00 Why credit card debt compounds into a "slippery slope"

05:30 Paying down the principal to reduce total cost

06:30 Getting your debt payoff plan together

07:00 Step-by-step: list debts, calculate payments, find extra

08:30 The avalanche method explained

09:30 Tori's Toyota story: paying toward principal

12:00 The Debt Lasso Method with the Debt Free Guys

16:00 Why balance transfers only work with a real plan

18:30 Personal loans: what they are and why they work

22:00 Simple interest vs. compound interest for debt

23:00 Things to consider before getting a personal loan

25:00 When personal loans are NOT the right move

28:00 What personal loans should NOT be used for

29:00 Debt settlement and your rights as a consumer with Leslie Tayne, Esq.

31:00 The Fair Debt Collection Practices Act

33:00 Tori's closing pep talk: debt is not a personal failing

35:00 Goal-setting hack: specific, timely, and mission-driven

37:00 Writing goals in past tense — the visualization hack

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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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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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