Are Your Money Beliefs Holding You Back?

What's Your Money Personality?

make future you happy

invest like a woman

Growing financial empowerment of women is a reality. By 2030, two-thirds of America’s personal wealth will be controlled by women! It’s a dramatic change and it affects all of us. But we can’t keep living our lives thinking that managing money is unfeminine, or someone else will take care of it, or that we are not smart enough to do it. I’m telling you right now that you have the brains, enough income, and time to change your financial position for the better.  

— Robert Kiyosaki

“It's not how much money you make, but how much money you keep, how hard it works for you, and how many generations you keep it for..”

Women need to do more financial planning than men because on average we live longer and retire with less money.  There is no time to waste!  The best time to start investing in your future is NOW.   

Investing is not rocket science.  I will show you simple investment strategies that will beat the result of most professional money managers while requiring little of your time to maintain it.  Once you learn how to take control of your money, there is no stopping you!   

5 Timeless Principle For Successful Long-Term Investing.
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Becoming financially literate and taking action is especially important for women simply because we retire with two-thirds as much money as men, then live an average of 6-8 years longer, and 40-50% of marriages end in divorce. As a result, 90% of women are solely responsible for our money at some point in our lives.  


Women and Investing

invest like a woman

The good news is, women could be better investors than men. Studies have shown that women investors think long-term, trade less, exhibit less overconfidence, do more research and stick to their strategy.   
Let's get comfortable investing and use our financial resources to create the life we want - for us and our families.

A huge percentage of women (Fidelity’s study puts it at 90%) admit that they know very little about investing and have yet to feel comfortable investing their hard-earned cash. When it comes to successful investing, there are only a few basic principles that matter: paying yourself first, making investing a habit or automating it, developing a suitable asset allocation using broadly diversified funds, keeping the fees low, and maintaining perspective and long-term discipline. I will show you how to create an automated system that does just that.

Investing Basics

invest like a woman

We’ll learn about different types of investment account, various investment options and easy ways to get started. 
Most importantly, I want you to know that you can invest in your values. You can create a positive change in the world through ESG investing. There is a way to earn both financial and social return on your money. 

If you were to ask Warren Buffett (arguably the greatest investor of all time) what you should invest in, he would suggest that you buy index funds. He has also instructed his estate’s trustees to put his heirs’ proceeds into index funds when he dies. Why? Because if you build a diversified portfolio of low-cost index funds, you will beat about 90% of professional investors over the long-term. The best part – you don’t need to be a Wall-street finance wizard and you won’t spend a lot of time managing your investments.  

Index Investing

invest like a woman

"By periodically investing in an index fund the know-nothing investor can actually outperform most investment professionals." – Warren Buffett

Active investors pick individual companies to invest in. Being a successful active investor requires massive amounts of time and work, plus the right emotional temperaments. If that’s not your cup of tea, no problem. Just invest in a diversified portfolio of low-cost index funds. But if you would like to learn how to become an active investor, there are only two rules to follow (according to W. Buffett): “Rule #1 – don’t lose money…and Rule #2 – don’t forget Rule #1”. Knowing you will make money comes from buying a wonderful business at an attractive price.


Active Investing

invest like a woman

The way I practice active investing is by buying dividend growth companies. I identify wonderful businesses that not only pay me dividends but are consistently increasing those dividends. Compounded dividend growth is the key to creating passive income streams that over time allow you to become financially independent. 

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Are your money beliefs holding you back? 
Recognizing your money personality is the first step toward financial health.

What's Your
Money Personality?

A loan you make to a government or a company in exchange for regular interest payments (called coupon). The loan is paid back by a specific date (maturity date).  

Bond

Ownership of a piece of a company. Each share of stock is a proportional stake in the company's assets and profits.

Stock

Categories of financial things you own, e.g., stocks, bonds, real estate.  

Asset Class

Investing vocab in plain English

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Owning several different kinds of assets. Helps minimize investment risk. We diversify because we can’t predict the future of financial markets with any certainty. 

Diversification

How your investments are distributed across different asset classes. When done properly, your allocation factors in your age, income, time horizon and risk tolerance.

Asset Allocation

It’s an investment that is traded on the exchange (like New York Stock Exchange). It is a basket of tens, hundreds, or sometimes thousands of stocks or bonds in a single fund.   

ETFs

Investing vocab in plain English

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A financial advisor who has a legal duty to act in your best interest and is not getting paid to steer you into buying overpriced investment products you don’t want or need.

Fiduciary

The profit you get from investing money. This profit is based mainly on the amount of risk associated with the investment. So less-risky investments generally earn a lower rate of return than higher-risk investments.

Return

A chance that the returns on your investments will be different than you expected. Usually refers to investment risk, which is a measure of how likely it is that you could lose money in an investment. 

Risk

Investing vocab in plain English

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Compound interest is one of the most important concepts to understand when managing your finances.

Compound interest is the interest you earn on your interest — in other words, it’s money you earn on the money you’ve already earned.

The Magic of Compound Interest

Compound Interest

The principle of compounding makes me very passionate about teaching our kids about basic of finance. Children’s biggest advantage is having lots of time to compound their money.
When you start investing early, it’s very easy to get rich.  

“Compound interest is the eighth wonder of the world. He who understands it, earns it. He who doesn’t, pays it.” – Albert Einstein

If you’ve ever felt overwhelmed or lost when trying to decide the best way to handle your money, this course is for you. 

Ready to take control of your money?

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Courses

From Newbie to Confident Investor

I believe that every woman is capable of taking charge of her finances and she should. All she needs is to be given the right tools, a roadmap with easy to follow steps—which is where this course comes in. You will learn the fundamental principles of personal finance and investing —principles you can act on to turn your dreams of financial freedom, security, and independence into reality. 

Wherever you are in your financial journey, you are welcome here. Learn, build your confidence and take charge of your money! 

Yes, show me!
Investing

There are so many financial services products out there, it's easy to get overwhelmed.  I'm sharing my favorite investing and money management tools that I use every day to help me stay on track with achieving my financial goals.  I'm a busy mom, just like you.  I don't want to spend all day crunching numbers or watching the stock market.  I value simplicity and convenience.  These tools help me be in charge of my money.       


My favorite investing and money management tools

Read on!
Books

I don't need to explain that reading a good financial book is worth it - but that doesn’t make reading a book about money any easier.  If you'd like to educate yourself on a subject of money, but not sure which book to pick, you are in luck.  I've compiled a list of top 9 finance books that will give you the knowledge and confidence boost to start improving your finances today.  Happy reading! 
  


What's on my Bookshelf 

I got you, girl!
Personal

I am not a beauty or a fitness blogger.  I teach women how to achieve financial success and live rich authentic lives.  I strongly believe that if you don't take care of your physical and mental health, it doesn't matter how much money is in your bank account.  I strongly support companies that offer clean beauty and personal care products, organic food and sustainable fashion.  We vote for our values with our money every day.  These are the brands I'm happy to support.    

My Personal Essentials

Here we go!
Kiddos

There are various helpful resources that will guide you on the journey of teaching your kiddos about money.  
I'm sharing my favorite books, Apps and other tools I've enjoyed using so far. Stay patient. Keep the big picture in mind. I applaud your commitment to make sure your kids grow up to be financial literate adults and live the life of their dreams!

Learning resources for kids

Elena's favorite things

investing . books . personal . kiddos

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You

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