Financial Feminist

In this special replay episode I sat down with the “godfather of financial independence” aka JL Collins, to demystify investing in the most approachable way possible. JL has been in the game for over 50 years and wrote The Simple Path to Wealth—a book that’s helped nearly a million people understand how to grow their money with confidence. And today, he’s breaking it all down for you. We get real about what investing actually is, why you don’t need a finance degree to build wealth, and how the entire financial industry has tried to gatekeep this information. JL shares why index funds are his go-to, how to avoid common investing mistakes, and why market dips aren’t disasters—they’re opportunities. Whether you’re brand new to investing or just want a no-BS refresh on the basics, this conversation is for you.

JL’s Links:

The Simple Path to Wealth: https://www.simonandschuster.com/books/The-Simple-Path-to-Wealth-(Revised- Expanded-Edition)/JL-Collins/9798893310474

Learn the exact strategies to save money, pay off debt, improve your money mindset, and increase your net worth. Get your personalized plan: ⁠https://herfirst100k.com/ffpod⁠.

00:00 Intro

03:24 Personal Finance Beginnings

06:44 The Birth of a Financial Blog

14:26 Understanding Index Funds

28:31 The FIRE Movement Explained

36:02 Calculating Financial Independence

40:28 Market Volatility: Should You Change Your Strategy?

44:48 Adjusting Investment Strategies Near Retirement

53:44 Ethical Investing: Pros and Cons

01:01:21 The Role of Financial Advisors

01:06:53 Key Insights for Successful Investing
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College is expensive, but there's money on the table that most families never touch. Today's guest walked away from college completely debt-free, not because she was a straight-A student or a star athlete, but because she treated scholarships like a system instead of a luck-based lottery. Jocelyn Pearson, founder of The Scholarship System, has since helped families across the US secure almost $17 million in scholarships. We get into the myths keeping families from even trying, why the small-dollar scholarships matter more than the $100K ones, how to build reusable application materials so you're not starting from scratch every time. If you've got a student headed to college (or you're the student), this one is required listening.

Jocelyn’s links:

Free webinar: https://thescholarshipsystem.com/financialfeminist

Scholarship Superpower Quiz: thescholarshipsystem.com/financialfeministquiz

Not sure what to do with your money? Visit ⁠https://herfirst100k.com/ffpod⁠ and take our FREE quiz to get your personalized money plan, and find any resources mentioned on our show!

00:00 Intro

01:18 Jocelyn's $126K Scholarship Story

03:41 Why Strategy Beats Luck

04:13 The 4 Biggest Scholarship Myths

07:18 The Real Reason Families Don't Apply

10:51 The "All or Nothing" Mindset

13:43 Building a Reusable Essay System

16:32 Other Reusable Application Assets

17:13 What Committees Are Really Looking For

21:05 How to Talk About Your Major

21:59 Who Wins When Two Finalists Are Equal

23:31 How (and How Not) to Use AI

27:35 The Overlooked Small-Dollar Scholarships

33:28 Department Scholarships & Asking for More

33:30 When Your Financial Situation Changes

35:21 Navigating the Middle-Income Gap

47:47 The Student Loan Forgiveness Reality Check

49:52 The True Cost of Co-Signing

52:54 The #1 Trait of Successful Scholarship Families

54:53 Jocelyn's Free Resources & Quiz
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What does it mean to live a truly “rich life?” This is a re-release of one of our favorite conversations: Tori sits down with Ramit Sethi, New York Times bestselling author of I Will Teach You To Be Rich and host of the Netflix show How to Get Rich. They get into what it actually means to build a rich life, why renting can beat buying even when you can afford to buy, how to negotiate literally everything (including your rent), and what couples are really fighting about when they fight about money — hint: it's never actually about Target.

Ramit’s Links:

Website: https://www.iwillteachyoutoberich.com/

Instagram: https://www.instagram.com/ramit/?hl=en

Podcast: https://podcasts.apple.com/us/podcast/money-for-couples-with-ramit-sethi/id1577864998

Learn the exact strategies to save money, pay off debt, improve your money mindset, and increase your net worth. Get your personalized plan here: https://herfirst100k.com/ffpod.

00:00 Intro: What Is a Rich Life?

01:13 Ramit's First Money Memory

05:01 It's Expensive to Be Poor

05:20 Playing the Game While Changing the System

07:25 Why High School Finance Classes Don't Work

11:13 The Case for Renting Over Buying

17:21 How to Negotiate Your Rent

22:38 Building a Course Business

24:44 What Couples Actually Fight About

27:58 Defining Your Rich Life

35:50 What Women Are Taught About Money

37:17 The Money Dial Exercise

38:37 The Michelin Star Story

40:38 Money & Marriage: Ramit's Personal Experience

42:30 The Monthly Money Date

44:03 Gendered Fears in Relationships

51:44 Women Out-Earning Their Partners

52:05 The $400K Debt Couple

53:02 Your Feelings About Money ≠ Your Balance
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If you’ve been struggling to break free from credit card debt––you’re in the right place. In this episode, we’re replaying one of our most commonly requested topics: credit card debt. We’ll uncover how sneaky interest rates can chip away at your hard-earned money every single day and explore powerful strategies to help you tackle that high-interest debt so you can finally breathe easy.

As someone who’s dedicated to helping women save money, invest, and feel financially confident, I firmly believe that understanding your debt is the first crucial step in breaking free from it. When we take back control of our finances, we collectively fight the patriarchy—by making ourselves richer, savvier, and fully in control of our money.

Check to see if you qualify for my partner personal loan recommendation* (doesn’t hurt your credit score!) *Terms apply: https://soficreator.pxf.io/c/1408818/2083784/25681?subId1=podcast&subId2=bonusep&adcampaigngroup=lending&adnetwork=brand

Not sure where to start on your financial journey? Take our FREE money personality quiz! https://herfirst100k.com/ffpod

00:00 Intro

00:48 Understanding credit card debt

02:26 How debt and interest work

07:20 Strategies for paying off debt

08:32 Using credit cards responsibly

14:53 Emergency funds vs. debt payoff

19:16 Debt payoff methods: snowball vs. avalanche

22:36 The role of personal loans

32:30 Setting financial goals and staying motivated
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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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