Financial Feminist

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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