Podcast Money Chill Out

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Pourquoi devriez-vous écouter? 

Parler d’argent est souvent taboo et les femmes ne prennent pas toujours le lead sur le sujet. Ayant passé 10 ans sur des trading floors à Londres, et étant souvent la seule femme, je souhaite aider à changer ce constat, et commencer par l’éducation. Developper sa connaissance des sujets d’argent est nécessaire pour planifier sa vie, ses projets et atteindre le graal du bien-être financier.

C’est une vraie libération et c’est dans ce contexte que je lance mon podcast Money Chill Out, pour vous aider a démystifier le monde intimidant de la finance, et avoir une discussion ouverte, bienveillante et franche. Donc parlons d’argent, d’état d’esprit, d’habitudes d’investissement et échangeons nos bonnes pratiques. Et rejoignez notre communauté pour être plus à l’aise, inspirée et autonome!


Rythme de publication :  toutes les deux semaines, le mercredi soir!


Episode #28: Side hustles

Today I have the pleasure to welcome Valentine de Louvencourt to speak about side hustles. After a burnout, she created Wuju and co in 2016 to research the food industry, and launched My chef is smart in 2020 to sell the R&D they invented. In order to be financially stable, she kept a freelance activity in media consulting. It also enabled her to build equity, which is a prerequisite in order to get any funding. With loans, subsidies, and help from the regions, she built a 5 person team, and an innovative offer they are now ready to sell to a bigger group. Valentine is an entrepreneur at heart so wants to see what’s next in another industry!

Let’s dive into her world and see how she manages to dedicate her time and energy to these 3 projects to have things done without going mad! 


Episode #27: Special edition, 1 year anniversary

Welcome to this Special Edition to celebrate 1 year of Money Chill Out podcasts. Time flies when you have fun and I am so happy and proud we’re here now! 
It’s never a given when you launch and start something completely new. Back in 2019 podcasts weren’t a media I was listening to, so when I thought about creating one in early 2021, I had, of course, no idea how to do it. In this episode, I am speaking about how I started, how I improved and got better, and the fears and doubts I faced about consistency, finding guests, and inspiring themes. 
I am also reflecting on Financial Wellness to bring on the recorded episodes. It will bring you perspective, refresh some concepts, and you’ll see how every theme is connected as you need a holistic view to feel good with your money.
Thanks so much to all my guests, for your time and your willingness to share, your experiences are invaluable. Thanks so much to my listeners, who share and support this podcast, your comments, feedback, and introductions are precious. 
And there are also a few milestones we can celebrate like the first 1000 downloads after a few months, the global reach on the 5 continents, and the continuous effort to release an episode every 2 weeks. 
To many more, and an immense thank you from the bottom of my heart!

Key takeaways :

  • Starting a podcast
    • Never a given when you launch something new
    • Read a lot on the internet and listened to podcasts on how to make a podcast
    • Talked with a lot of friends and acquaintances 
    • Found my editor on Upwork platform
    • Bought my jingle online
    • Got friends lined up as my first guests
    • Even though I am alone in this, it’s been a BIG team work!
  • Let’s not forget the hard work and the doubts
    • Consistency
    • Guests
    • Themes
    • Audience etc
  • What drives me : 
    • learn in each episode
    • Being the founder, I chose the subjects and make them a reflection of my world
    • I deliberately over represent women as guests
    • Reflect on the full cycle of money
    • Benevolent atmosphere
  • Grail with your money: to reach financial peace of mind
    • Think about money without reaction and accept it
      • Episode on money earned vs. Money received with Maureen
    • You need a positive mindset and practise gratitude
    • Being happy with what you have is key, recenter on you, social comparison is a killer
    • Mindset guides your actions, which drive your results
      • Episode with Laura on Money Mindset
  • Knowledge is power
    • You need to know your numbers
    • Awareness may lead you to change a few things
      • Tracking and planning episode with Anne-Claire
    • Have to be hands on financial literacy 
      • As soon as you as you dive into the subject, things are less scary
    • Best time for action is now
      • Insight of a trader’s own money management, Deep dive in fixed income, the ladies bank, Learning from the top episodes
    • Being empowered with your pay : 
      • Knowing your worth episode with Johanna
  • To be truly peaceful: all comes with alignement
    • Vision should be holistic, and not seen in isolation
    • Understand you why, which is your purpose
    • Here to keep you grounded
      • Sustainable money episode, with Marine
    • Get inspired by your money
      • Redefining your successes with Sandra
  • Need to open up and share
    • Not to compare but to grow
      • Money and relationship, earning less than your partner, money and divorce, dual couple career episodes

Episode #26: Crypto money

Today I am very pleased to welcome Jean Marie, a computer engineer who has discovered cryptos back in 2016. And he really got into it, launching his YouTube channel in 2017 and writing 2 books in 2018 and 2019. We’ll talk about the technology behind blockchain, why it’s an entire new world and how we can use cryptos. We’ll of course discuss about how to invest and how to start with the 15 000 cryptos available in the market. With a lot of FOMO going on and emotions taking over, we’ll also speak about mental health. Having suffered a burnout in 2021 because of too much work, he is well aware money doesn’t bring happiness and it’s important to go back to the basics. Throughout this chat, I loved how Jean Marie gave perspective, so let’s go back to “1995 for the internet” and open our minds!

  • What is blockchain? 
    • It’s a technology that redefines trust
    • Everybody sees what’s happening
    • Decentralised
    • Immutable
    • No 3rd parties
    • Borderless
    • Apolitical / censorship resistant
  • What are the main cryptos: 
    • There are 15 000 !
    • Bitcoin: gold 2.0
    • Etheruem : infrastructure of next generation internet. Like the OIS. 
    • Those 2 combined : 75% of the interest
    • Polkadot or Cosmos: try to connect blockchain to each other
  • Use cases: 
    • Some yet to be discovered
      • 2020 was like 1995 for the internet
    • Monetary advantages for developing countries 
      • Alternative to your local currency 
      • Remove 3rd parties
      • Can be used for remittances 
  • Principles to invest:  
    • Be simple, start with bitcoin or ethereum 
    • Use Coinbase or Kraken platform
    • Dollar cost averaging: small amounts every so often
    • Believe in a balanced and long term portfolio, crypto is risky
    • Once you’re in, it forces you to follow the news
      • Learn about monetary policy, economy, game theory, sociology, geopolitics
  • Hot topic: 
    • Lots of people who had never invested before, started with crypto
    • Ease of investing, and marketing
    • Process of mastering your finances
    • FOMO is a clear driver. Hear about success stories with extreme growth 
    • Still, less than 5% of worldwide people have it. 
  • Mental and financial health
    • Had a burnout, worked too much, with WFH he became a slave of his phone.
    • Mental and financial health: 
      • Mental health: still undervalued 
      • Financial skills: not taught at school
      • Need Emotional coaching
      • Money will not bring you happiness, as you always want more. 
    • Never ending satisfaction. Important to take a step back and focus on the basics. 

Episode #25: Redefining successes

Sandra is one of those people who have communicative energy. She does a lot, works a lot, but never forgets why she is here: to learn, grow, practice kindness and cultivate her happiness. She climbed the corporate ladder in an impressive way being the head of Facebook IQ for South Asia Pacific. She became a public figure in Singapore through her environmental activist work with the Up 2 degrees movement she created so that aircons are set at 23 degrees inside. She went twice to Antarctica, once with one of the most famous explorers Robert Swan and as a UN women ambassador. She decided to quit the best job, the best lifestyle to pursue her dream: sailing the world and really being. She trained for 6 months, felt very privileged to be on the “Round the world clip race”, came back to London, and self-published a children’s book on her adventure. She really pushes boundaries, connects with people, and inspires them. That’s probably why she is been featured in a lot of media from the Financial Times to the London tube! Let’s spend the next hour with this amazing woman who is fun, sharp, down-to-earth, and driven. Let’s go! 

Key takeaways :

  • How to be a high performer:
    • Throughout her 10 year career, she worked a lot. She ended head of Facebook IQ for South Asia Pacific. 13 countries.
    • Thinks in units of learning
    • Money is important but if you have growth, it will follows
    • Works for the right reasons
  • Her way of doing:
    • Has lots of energy
    • Uses kindness as much as possible
    • Looks for positive news
    • Wants to have something new to learn everyday
    • Asks for help
    • Makes connections
  • Financially speaking:
    • Family : Far from being rich, had to make choices and set priorities
    • Through her corporate successes, she accumulated wealth by saving a lot
    • Only spends money on something that would make her a better person and happy
    • Makes her money work. Her investments are towards wellness and happiness
  • Environmental activist:
    • Triggering moment : COP in Paris in 2016. Wanted to participate but was in Singapore
    • Looked for things which annoyed her, and found aircons
    • Created the “Up to 2 degrees” movement:
      • lobbied/convinced the government to change the regulation
      • Was a second job, asked to go part-time
    • Succeeded in 11 months to set a min temperature at 23 degrees
  • Quitting everything to sail around the world
    • On the sea: place where you can breathe and connect with something bigger
    • Wanted to do something for herself
    • She has achieved so much, wanted to “being”, not “overdoing”. Wanted a break
    • Hard to make the decision : quit the best lifestyle, the best job
    • Go to your heart, soul, stomach and ask yourself: what would I do if I weren’t afraid
  • Different successes
    • Went twice to Antartica
    • Became a public figure in Singapore
    • Self published a book, “The round the world wanderer”, which is printed on demand for the environmental impact with all the benefits going to UNICEF
    • Got featured in the FT on finding purpose, and broadcasted in London tube for the Clipper Race

Episode #24: Fundraising

Today I am very happy to welcome Simon to Money Chill Out, to speak about fundraising. Being in his 20s he has specific views on things, has learned on the go, and a lot by himself. This is pretty refreshing especially when we see the end results: he created Havr, a software company in 2016, experienced a 50% quarterly growth, had 25 employees, raised capital twice for a total of EUR 5.5 million, and has been awarded Forbes under 30. In this talk, we’ll speak about values and how to create a successful start-up, we’ll go through the fundraising process, and how to prepare to pitch. And we’ll stay down to earth, focusing on well-being, when Simon and his partner decided to sell because they needed to do another round of fundraising but weren’t ready for it. A great example of hard work, eagerness to learn, good sense, and vulnerability, let’s go!

Key takeaways :

  • Starting a business out of serendipity
    • Best time while being a student as eagerness to learn things
    • Business partner :
      • Was looking for trust
        • It’s a 8 to 10 year adventure : linked financially and under the law
      • Was looking for No ego
        • As an entrepreneur, you’ll hire people better than you
    • He called few entrepreneurs 1 or 2 years ahead, asked them questions, advices, book references
      • Being able to show you’re vulnerable gives more authenticity
  • Launched Havr:
    • Started in Feb 2016, paid himself 2000 euros in July 2018
    • At max, 25 employees
    • 50% growth rate per quarter
    • Success because of product maturity, customers’ understanding, good hires
    • Forbes under 30:
      • Awarded at 24, mainly had an impact on him and his confidence
  • Fund raising players
    • Engaged with both, Venture Capitals and Business Angels
    • BA: were better for his situation
      • The way you convince isn’t the same
      • More human oriented
      • Being young, you have a sympathy capital
    • VCs: figure oriented
      • Professional investors, big money on the table, he wasn’t enough mature
  • Fund raising process
    • BA: 2 rounds
    • VCs: 5 to 8 rounds
      • Pyramidal organisation: from intern to board
      • If one round doesn’t go well, you’re out
      • You can’t reach them for 18 months
    • Capital dilution :
      • Isn’t an issue, if you don’t hold the majority of shares, you still can get the majority of votes
  • Pitching :
    • Part of Plug and Play, and Euratechnologies incubators
    • Read books on how to pitch
    • To set a target amount
      • Forecast 24 months of expenses
      • Otherwise too short, it takes an average of 6 months to fund raise! 
    • Made a list of 10 targets he wanted to have in his capital, from the least to the more interesting
    • Started!
  • Sold his company in October 2021, and new plans
    • He Needed to fundraise, but people and him were tired
    • Weren’t ready for this new step
    • Decided to be grateful to where they were, and leave it to a bigger name to continue growing
    • Will dedicate this year to learning on his own money management

Episode #23: Deep dive in fixed income

Today with Timothee Pubellier, we are doing a deep dive into fixed income, those products that provide periodic income payments at predetermined interest rates. They are often seen as more technical and complex than equities, but they can be great for diversifying your portfolio and for providing additional revenues. Even though he serves institutional clients, today’s focus will be on individuals so that we have a great overview on why, how, and when we can use bonds in our portfolio. And we’ll use our expert to go further, discussing portfolio construction, diversification, and the current economic environment. Let’s embark in this financial literacy discussion, where concepts are explained for everyone!

Key takeaways :

  • What is fixed income or bonds:
    • You lend money
    • In exchange you receive the coupons
    • At the end of contract, you get your principal back
    • It’s called fixed income as the coupon has a fixed interest rate
  • 2 main risks:
    • Default : the counterparty you lent to can’t repay back
      • 2 classifications to evaluate the credit risk
        • Investment grade rating: safer
        • High yield: more risk
    • Interest rate risk
      • If rates go up, the price of your bond go down, as your fixed coupon is less appealing. You can find better deals in the market
      • Price is moving all the time, very wide market
  • Bond market characteristics
    • Primary market: at time of issuance. For institutional only
    • Secondary market : like a second hand market, It’s complex as there are hundreds of bonds for just one company
    • Better to use funds or Exchange Traded funds
    • Duration: sensitivity of your portfolio to a move in interest rate. One of the most important metrics  
  • Portfolio construction
    • Everything is a question of balance/diversification
    • Geographically : need global bonds, otherwise country specific risk
    • Need a mix of government and corporate issuances
    • Rating: look for Investment grade mainly
    • Duration: the shorter, the safer
      • If you lend for 6 months, there is less risk than for 30 years for 2 reasons:
      • Credit risk: you have more visibility for a 6 months period rather than a 30 years’ one
      • Interest rate risk: there is more time for interest rates to go up, and you would be stuck with your fixed interest coupon
  • How to invest for an individual:
    • Accumulation funds: for capital appreciation
    • Distribution funds : to get a stream of income
    • Good supports to invest in fixed income
      • Life insurance or ISAs as they have tax benefits attached
  • Central banks actions and impacts
    • Through interest rate moves. Expectations that they will have to raise rates as economy is hot with inflation. Not good for fixed income performance.
    • Through tapering: they buy less bonds. The market has to work by itself.
    • Through quantitative tightening: they want to reduce their exposure, not only not buying new issues but selling some of their positions. The rest of the market will have to step up to absorb it.

Episode #22: The ladies bank

Today it’s an honor to welcome Alix de Renty, the person behind the Ladies Bank by Oddo BHF, an information website dedicated to women’s financial needs. After seeing so many of her female clients sending their brothers/fathers/lawyers for appointments in her private banker role, she decided to do something about it and launched a free content platform back in 2016. Thanks to varied characters and the issues they may encounter throughout their lives, her goal is to make you want to play an active and positive role in your finances. This side activity is her way of giving back time, knowledge, and education on such an important matter. And it’s for everyone, you don’t need to be a millionaire!

In this inspiring talk, we’ll go through what it is to be a private banker, how she helps wealthy clients to build a portfolio, and what we can do at our level. We’ll speak about women’s wealth, and how despite representing 50%, their needs weren’t met by the industry. We’ll learn about studies they have conducted to really understand what truly matters to women, and what they have implemented to make them more care and reach much more engagement. It’s all about meaning and purpose, not about the best performance! Let’s go!

Key takeaways :

  • Private banker at Oddo BHF
    • Wanted an impact in the real economy and in real life
    • Her clients are entrepreneurs or top managers
    • 50% women, 50% men
    • Organise finance and wealth so that clients can stay focus on their job
  • How to build a portfolio
    • Financial tax: lead theme in France
    • Find the right buckets for the various asset classes
    • Do they need the money? If not, can take more risk.
    • Can they handle volatility? If yes, can invest in financial markets and private equity
  • Something was missing 
    • 45% clients were women but 80% of appointments were with men:
      • women sent their brothers/fathers/lawyers etc
    • They weren’t interested as the meetings weren’t designed for a women’s perspective
      • They weren’t interested in the best performance
      • They wanted help, tips and solutions for real life situations
  • Women’s view of wealth management
    • Want to give meaning to their wealth, understand the WHY.
    • Key is being Empathetic
      • Listen to their needs and don’t push products
      • Need to build trust
      • Need to touch the heart of the person first, 50% is psychology
  • The ladies’ bank
    • It’s for everyone, you don’t need to be a millionaire!
    • It’s free and a great way to share knowledge and eduction
    • More than 500 articles published
    • Audience : 50% women 50% men
    • For Alix, amazing side activity who gives her a purpose in life
  • What’s your one principle everybody should follow?
    • KNOW your numbers
      • Force yourself to save money
      • If you are confident, invest the savings
    • It’s not about big numbers, you just need to start

Episode #21: Sustainable money, a discussion on social and environmental performance

Today we are speaking about sustainable money or how to align profit and purpose whether you are a company, an individual, or an investor. And we are joined by @Marine Hortemel who will immerse us into her world on how she helps and guides companies to get the well-known Bcorp international label. We’ll go through initiatives taking place to take care of our one planet, from new banking concepts to impact investment funds and how we can better spend our money. We have to be alert on ESG matters, reading labels, and enquiring about processes so that there is no space for greenwashing. We as individuals have a lot of power, let’s get inspired!

Key takeaways :

  • Bcorp label
    • Align profitability and sustainability
    • Founded in 2006, 4 000 Corporations certified in 50 countries, 
    • Very holistic label 
    • Framework updated every 3 years: continuous improvement process
    • Some companies names: Patagonia, Ben & jerry’s, Naturalia 
  • Don’t underestimate people’s power
    • As an individual, we have power, we can choose what resonates with us in every actions and decisions we make. 
    • Need to be alert and educated so that there is no room for greenwashing
      • Read the labels for everything you buy and use
      • Initiatives to make our money more sustainable
      • Go to a green bank : Green got, Helios etc
  • As an investor
    • Check the websites of the companies you want to invest in : same as looking at the labels
    • lita.co : references sustainable companies looking for investors 
    • Invest with an impact: 
      • Mirova : One of the first fund that got B corp certified
      • Founders future : fund for impact start up
      • Citizen capital
      • Alter equity
  • Marine’s way of being aligned
    • Connect with nature everyday
    • Practises yoga
    • Only buys local food and cooks every meal
    • Next on her list is being mindful of what she wears ! 


Episode #20: New year, new you with your money

With the year coming to an end, it’s always good to reflect and take perspective. This year’s achievements have gone way beyond what I imagined. I launched my podcast being 8 months pregnant and a few episodes later, I had listeners in each of the continents. This is the magic of our globalized world and the power of reach to do it in English.

So for the 20th episode I, @Marieka Finot, am doing the talking on a few principles that I follow and that have helped me hugely with my money. Because I find them of great value, because I am sure they could serve you too, and because they are a great way to achieve financial wellness, I am sharing them with you. Listen having an open mind, take those that suit you, enquire about others, and adapt them to your way of doing. This isn’t a lesson, nor an exhaustive list, just my top 5 principles discovered thanks to my experience and through helping others with my coaching. 

My key principles

    1. You need to go financially naked, or in other words, you need to open up on the subject of money. 
    2. Value your time, your happiness and link it to your spending. 
    3. Make your money work 
    4. Think about the future
    5. Detach yourself from money and have a gratitude mindset

Episode #19: The definition of a business woman

Today I am having a discussion with A businesswoman. Kristen juggles a CFO job with a side hustle and a family of 4. She is impressive in many ways: She started to be money educated at 6 years old, started working at 13, and made her way up in the corporate world thanks to a bit of luck and lots of hard work. She has an entrepreneurial spirit and isn’t afraid to fail, she just doesn’t want to have any regrets!  Her way of doing is pretty refreshing, she trusts people, delegates, spends 1 hour exercising each day, and doesn’t beat herself up if she can’t fit everything in. A very down-to-earth and inspiring woman, let’s listen! 

Key takeaways :

  • At a certain level, most important skill : people
    • `Everything is about relationship & communications
    • Being transparent
    • Getting everyone work well together
  • Personal finance and investments
    • Very good at saving, organised and disciplined
    • Invest in very early stage companies : biotech startups 
      • Put a $10k ticket 
      • 2 out of 10: have hit really big
    • Would like to invest in real estate
  • Side activity: lactation and mental health support
    • Most fragile period of a woman’s life
    • Pitched the idea and got funding to have a team
    • Subscription based platform 
      • For a monthly fee, you have access to educational videos, groups with experts. 
      • Can also have 1 to 1 consultation 
  • Daily routine
    • The most efficient employee is a mother : don’t have time for the garbage
    • Always get a good night sleep
    • 1h every single day to exercise in the nature 
    • Try to meditate, to be more present, stop worrying about the future
  • To fit everything :
    • Giving your people the confidence to tackle things and delegate
      • They gonna make mistakes and that’s ok. She isn’t a controlled person. 
      • She is only one person, and doesn’t beat herself up. 
    • Mantra: don’t be afraid, ask questions and jump right in. Don’t want to have regrets and what do you have to lose? 

Episode #18: Knowing your worth

Being paid for your worth and having a fair salary seems pretty obvious, but very often when it comes to money and especially with money at work, we can feel awkward and uncomfortable.  Do you know that the vast majority of women never negotiate a salary? Why isn’t there full transparency on salary disclosure? Do you think and hope companies will recognize your worth and give you pay rises? The corporate world doesn’t work that way, and you need to advocate for yourself. And today, we are joined by Johanna Perrin, a talent lead who will empower you with practical tools and tips to prepare for a salary discussion. With her experience, you’ll take some perspective knowing what’s being done in the recruitment space, put yourself into companies’ shoes, and through research and knowledge you’ll get more assertive and find credibility. A rich discussion that may change your way of seeing things and push you to act! Let’s go! 

Key takeaways :

  • Recruitment process
    • Not much transparency on salary disclosure as legacy issues: 
      • Lots of salary differences for the same position
      • As no transparency internally, you can’t have transparency externally
    • Massive difference in women’s easiness compared to men:
      • 80% of women do not negotiate
      • Junior candidates: don’t negotiate either, not in a position of power
  • Need the right pay at the start
    • Otherwise frustration will come, and it’s from your own making as you accepted it
    • Enter a company with the feeling you are being paid fairly 
    • Future based hypothesis : may not happen, things don’t go the way you plan
    • If you’re below the market price, you’ll spend your whole career trying to catch up on that gap
  • 2 best times to review salaries
    • Scope of responsibility changes
    • Annual review : next step and career progression
      • Empower yourself with research
      • Look at your performance, KPIs etc and demonstrate you’ve achieved
      • Need credibility: demonstrate data and knowledge. Put a business case behind why you deserve more
  • Steps to prepare a salary discussion
    • Get a salary benchmark pool: 
      • On websites like Pay scale, glass door 
    • Find data points from similar job offers 
      • On websites like Linkedin & Indeed
    • Download the yearly comprehensive salary guide
      • From Michael page for ex.
    • Speak about pay with your network
  • If you don’t have much negotiation power
    • Find a non monetary win win solution
    • Ask for a training course or a certification. 
    • Will make you more employable, with more expertise. 
  • If you aren’t at ease, how can you change your mindset?
    • Need to be prepared
    • Companies : aim at lower end of the buffer
    • They expect you to come back and negotiate
    • All is about research and knowledge. That empowers you & you’ll be more assertive

Episode #17: Dual couple career, or when one put his career on the side

Today I have the pleasure to welcome PH, a new generation of feminist man, who is trying to change old norms and behaviours. Taking care of his daughter while his wife was in the US trying to grow her company, he realised what it is to be a single parent in charge and the challenges it created, having to leave work at 5pm everyday and barely having any social interactions. Earning less than his wife and only working 2 days a week as a freelancer, his relationship with money has changed, so has their way to invest. The rest of the time, he is working on a side hustle to empower men at birth with videos on how to raise their partners’ oxytocin levels. Such a great insight into a more traditional woman’s way of life, let’s go! 

Key takeaways :

  • A crucial role in his wife’s success
    • Manage the kids and the admin
    • Being in charge on his own, acting as a single father for 3 months
    • How will he cope with no adult discussion?
    • Will work be ok, having to leave at 5pm everyday?
  • Tips – Balancing your career
      • Need to have a comprehensive boss
      • Need to be strong mentally, efficient & get enough sleep
      • One of the hardest thing was to lose contact with society and to be alone every night
  • Couple’s investments
    • Now that they are more financially better off they can take more risks 
    • Investing in start ups as they connected with founders & have contacts. Risky as only 10% manage to survive
    • Investing in stocks, with the bulk part in large European & US companies, and 20/30% in emerging markets
  • Pierre Henri’s side hustle
    • Needed his wife’s encouragement to only work 2 days a week: as salary difference would be big, and family would rely on her
    • Created My birthing pal to empower men at birth with videos on how to raise your partner’s oxytocin level
    • Read books and realised there is very little material for men, by men. 
    • Realised the role of the father is so important during the delivery process

Episode #16: Money Mindset

Today I am welcoming Laura, a 27 year old Londoner who is sharing her money journey, in an uncomplicated way. Because she is relatable, is starting from scratch and learning along the way, she inspires many people to get better with their money. Talking about all aspects of saving, budgeting, clearing a debt, and investing, she does it in a fun, judgment free and jargon free way. And she is here in Money Chill Out to connect the emotional to the practical, so let’s go straight to step 1 as everything starts with money mindset. Let’s see what it encompasses, and what we can do with it!

Key takeaways :

  • Being at ease with money
    • Talk about money all the time, with friends
    • Help each other through pay rises etc
    • Money is amazing, it gives opportunity and freedom
    • Friends were missing out on money and tips
  • Money mindset
      • How you think and feel about money. Affects your behaviour
      • Impacts the right side of the brain: emotions, not logic
      • Our thoughts create our reality
      • Financial stress isn’t about the numbers
  • How to change it?
    • Acknowledge where you are :
      • Journal – Vision board – Affirmations
    • Habit based goal: 
      • Little things that make you feel you are progressing
    • Educate yourself
    • Have an accountability partner
  • Laura’s finances
    • Saves on average 35% of her income 
    • Prioritise saving to spending
    • Connects the emotional to the practical
    • Biggest investment mistake: 
      • Not having invested before

Episode #15: How to monetise your online content?

Today I have the pleasure to welcome Meriem,  a beauty content creator and the woman behind Mimi’s signature. She started back in 2016 to share her idea of beauty to empower women to love themselves.  5 years later, she has built a community of more than 130k followers on her YouTube channel and some of her videos are approaching a million views! We’ll speak about the onset of her blog, her start as a video publisher, and how she slowly grew to be able to live from her activity and diversify her sources of income. Now being pretty successful she doesn’t forget all the efforts and is still very down to earth. Let’s hear about her adventure she compares to a marathon! 

Key takeaways :

  • Launching Mimi’s signature to empower women to love themselves
    • Felt into beauty at a young age because of a skin issue 
    • Paid her blog thanks to her yoga job
    • Problem: not regular 
  • Getting a million views per month on Youtube
    • Need interesting content and a good concept
    • Release videos twice a week, every week of the year
    • Have to retain your followers
    • The more followers, the more keen people are to engage
  • Different sources of income
    • YouTube partner: paid by the ads, per number of views
    • Affiliate codes
    • Collaboration and campaigns
    • Tester before product launches
  • Key tips
    • Never give up, it’s a marathon not a sprint
    • Number of followers isn’t important, it’s how active they are
    • Often don’t see the years of work before being known
    • Need consistency

Episode #14: A success story for a business with values

Today I am welcoming Benjamin, the co-founder of Unbottled, a French-made solid beauty products company that wants to free bathrooms from plastic and chemical products. With people’s willingness to reduce waste and be more planet-friendly, their products have found a sweet spot. And it’s booming! A year since the launch, they expect to reach 5 million of sales by year-end. From finding the right business partner to starting a brand and reaching out to clients, you’ll get brilliant and down-to-earth feedback and advice on their adventure, of course with a financial and money lense.

For anyone looking to launch his project or anyone who likes to learn about success stories, this episode is for you, you’ll learn a lot and for sure get inspired!

Key takeaways :

  • Finding the right partner
    • It’s KEY
    • Need different hard and soft skills. Complementarity
    • Have a list of 100 questions each, discuss, argue, and agree to make sure personality fits
  • Creating a brand
    • Draft a brand book 
      • Values, direction, strategy
    • Make assumptions even if 95% of them will be wrong
    • Find your sweet spot
  • Money tips
    • Lived with his economy for the year of prep work
    • Now gets 2000 euros per month
    • Don’t want to raise capital
    • Got subsidies and bank loans
    • Hardest thing is the cash aspect
      • Big working capital swings: need to invest in inventory before selling the products
  • To increase your brand awareness
    • Word of mouth
    • Paid acquisitions on instagram
    • Get articles in the press by sending your products
    • Make collaboration with other brands

Episode #13: Being self employed and all that comes with it

Today I have the pleasure to interview Lauriane Gepner, a travel and lifestyle journalist, and we are talking about being self-employed and all that comes with it. Indeed, her passion for writing is only 50% of the job, and she needs to manage a lot more from prospecting to pitching new story ideas, organizing trips, and making sure your clients pay. So let’s dig into how to organize your time, how to create a name, and how to make a living when you are your own boss. And with 10 years of experience, let’s get her wise feedback on setting your own business rules, through confidence, legitimacy, and proactivity. 

Key takeaways :

  • Self employed travel and lifestyle journalist
    • Passion for writing is only 50% of the job
    • Hardest thing: all what comes with it
      • Prospecting clients / Pitching story ideas
      • Organising trips and with your time
      • Making sure your clients pay
  • Money aspects
    • Media industry: not much leeway, you take what you are being offered
    • Paid by the number of signs
    • Writing for the web: pays less as so much available content
    • Most beautiful business cards don’t necessarily make you a living
    • Nothing happens by magic: work hard to make a name
  • Top tips 
    • The more you write, the more you have things to show
    • Experience gives you freedom and confidence
    • Be proactive, find yourself legitimate to prospect
    • Refuse jobs when no interest in the topic and time/money ratio isn’t worth it
    • Do work that would take you somewhere else even though it’s not well paid

Episode #12: Learning from the top, part I, investments and initiatives to financially empower women

We are back with Lindsey, who took over a financial planning and advise business in Seattle and today we’re discussing about investments and initiatives to financially empower women. This episode is an inspiring lesson and a share of knowledge so that people understand how women invest, what they are after, and how to start investing following key investment principles and tips so that you have the confidence to make informed rational decisions and reach financial independence. what a great program !

Key takeaways :

  • Women and investments
      • Greater risk awareness for women
      • Makes us better investors, because we take the time to understand
      • Women focus on the big picture and long term
  • Investment principles
      • Start small and invest as soon as possible
      • Look at the long term. Differentiate between saving and investing
      • Create a portfolio for each goal
  • Investment tips
      • Understand WHY you are investing
      • Understand the psychology of money, as it influences our decisions
      • Stay focused, and make informed rational decisions
      • Start the discussion, to get more comfortable and learn from others
  • Empowering women
      • Writing a book: A journey to financial independence through real life ups and downs
      • Workshops on creating smart financial goals, proper use of borrowing, protecting yourself and investing essentials
      • Consulting: 3 months to 3 year. Financial expert to lean on

Episode #11: Learning from the top, part I, financial planning

Financial planning is an usual word, still, we don’t necessarily know what it is and all that it covers. From understanding the mechanics of money, to establishing financial goals and ways to get there, let’s learn about this new generation of female financial planner who seek to partner with their clients and help them transition in life. And for this, Lindsey, a pretty inspiring profile in the finance industry, who took over a family business in Seattle, will shed a light on her activity. 

Key takeaways :

  • An early interest in finance
      • Wanted to understand the mechanics of money
      • Parents divorced, it reinforced her wish
      • Good start of career, loved the area and thrived with mentors and champions
  • Becoming a business owner
      • Big commitment: work for a family business, not just a job, more LT
      • Extended time off to travel to make sure it was the right opportunity for her
      • Extremely rewarding and challenging at times
  • What it is to be a financial advisor
      • Partner with a client, establish current financial situation, where they want to go and create a roadmap to get there
      • Identify areas where the plan can be disrupted through life events
      • Manage client assets
      • Fee for service engagement and/or ongoing management fee

Episode #10: Money when moving to a new country

Expatriation is amazing: it’s a new challenge, it widens your mind and it’s full of discoveries. Still, you need to understand well the local specificities in order to be able to negotiate your salary and leave with good conditions. Money considerations like cost of living, taxes, and pensions are very important. So is your return to your home country. To get back on your foot have peace of mind, a bit of planning and forward-thinking is essential. So let’s hear about Julie’s experience, a French woman living in Romania.

Key takeaways :

  • Move to Romania
      • Wanted a challenge, to discover something new and to widen the mind
      • Were targeting Europe, and wanted to do it early without kids
      • Took 6 months to find an opportunity
      • As they were moving as a couple, in the deal, the company had to find a job for the 2 of them
  • Money considerations
      • Local contract paid 3 times less than her French salary
      • Negotiated a net salary, to avoid complicated taxes considerations
      • To get a feel of the living cost, did a 1-week trip and got a cheat sheet provided by her company
      • Looking at the global package and with her husband’s expat contract,  they were better off
  • Return to the home country
      • Negotiated 3 years ago, to come back to the same company once the experience is over
      • Local pension: European law that enables to convert back the contributions back to your home country
      • Salary on her return: still being negotiated but hope for a 10% increase compared to when she left

Episode #9: Earning less than your partner

Today I am with Benjamin, who earns less than his wife. Like 25% of couples, he is not the primary breadwinner and feels great about it. He was working in investment banking and decided to move to Moodys to spend more time with his girls, to be the king of his agenda and so that his wife could take a big opportunity. He sees his couple as a team and even though this situation is much frequent than we think, he still gets jokes about it and thinks men aren’t ready for it! We’ll also speak about investments, where Benjamin’s focus is really about income tax relief, and how he became a whisky investor with the desire to build something for his girls.

Let’s listen to this story, full of good sense!

Key takeaways :

  • Earning less and feeling great about it
      • Earning less: very open, everybody knows about it, he is proud
      • His wife earns 15% more, been 3 years
      • Great not to be the main breadwinner, take a weight off the shoulders
      • Men aren’t ready for it: he gets jokes, doesn’t understand why but doesn’t care because he prefers to be in his situation. The more they earn, the better.
  • Teamwork
      • His wife was able to take the opportunity as he was managing the girls
      • He Moved away from investment banking,  accepted to earn less, to spend more time with his daughter
      • Now it’s much better: He is flexible and the king of his agenda
  • Investments
      • He manages for them, even though his wife is aware and confident. He uses his own spreadsheet 
      • Big focus on Income tax relief
      • Invest in Whisky: Desire to build something for his girls

Episode #8: Financially planning for big events: studies and baby

Tessa is a bright woman with a lot of ambition. She works hard, puts in the effort and manages to achieve. From ESSEC, a top French Business School to Harvard in the US, she always eye for the top. But studies have a cost and she managed to have a big chunk of her MBA funded by merit based scholarships.  What’s great is that since living in the US, she has also learnt about raising funds for charities. She’ll share with us how she does it and what are her tips to be focused and achieve.  She is now about to welcome a baby boy, so let’s see how her financial planning is going on!

Key takeaways :

  • How to fund an MBA at Harvard
      • Calculated risk, $140k for 2 years of tuition fees
      • Lots of research to know about scholarships and financial aide:
      • Managed to get a big chunk fully funded by a merit-based scholarship
      • Borrowed the remaining portion, at low interest rates
  • How to achieve
      • Be as smart as possible: Get the most info possible
      • Get comfortable making a decision without having all the set of data
      • A lot of work, work ethic
      • Determination
  •  Financially planning for a baby
      •  in NY, employers do their own thing for family leave to attract talents
      • For Tessa, can take up to 12 weeks off, paid at 67%
      • Paternity leave: 2 weeks
      • Cost of living in NY compared to Paris (2 to 3 times more expensive without a baby!), so financial planning is key!

Episode #7: Money and divorce

Sometimes there are things in life that we didn’t plan, like divorce. At money chill out, we have no taboo speaking about money and it should be the case with whatever situation we are facing.  Our guest today, Anne, 33 and mum of Archibald is sharing her story of separation through the money lens. From the decision to split to the ups and downs of the legal process, the financial terms of the divorce, and the new life that she is willing to embrace, let’s embark on this discussion where openness and benevolence are prevailing. 

Key takeaways :

  • Divorce
    • Initiated it after 11 years. Unhappy, too much energy to make it work.
    • Personal and pro-life were mixed
    • Didn’t plan anything money-wise. Were about to open a restaurant together.
  • A 2-year process
    • Complexities as under French wedding law, but divorce under Portuguese court.
    • Hard time. Naïve about not having the dirty money conversation
    • Money is an easy subject to fight. But the dad of my child, so don’t want to hurt him
  •  Result
      • Trust saved them. Found a win-win agreement after a long negotiation. Happy ex-couple.
      • Found a balance: shared custody for their 4yr old child
      • When you give, you always get it back somehow and you can start living your new life and having exciting projects

Episode #6: Money and relationships

Today we gonna speak about Money and relationship!
Ever wondered how others do? Listen to this episode where Fadia gives us insight on how she does it! 
Lots of subjects to speak about, from her wedding law and heritage questions, to how money is split for the day-to-day spending and who does what for the Medium to Long term investments.
Great money and investment insights from a couple where there are no natural leaders.

Key takeaways :

  • Family set up
    • Wedding contract: separation of goods as entrepreneurs. Protection needed not to pass the debt to the family.
    • Day to day budget: Fadia was paying the mortgage, then equal split, then joint account, now more proportionally to what each earns
    • Tips for money within the couple: communication is KEY!
  • Who does what?
    • Her: real estate: used leverage as very low-interest rates
    • Him: financial products.
    • All decision and investments are shared and discussed
    • Both risk-takers
  •  Action plan to start investing:
      • Talk with friends and family to forge an opinion
      • confront a list of questions with professionals
      • listen to podcasts

Episode #5: Money in unplanned circumstances

Often, there are things you don’t control in life, like being made redundant. 

In this episode, we’ll speak about money when the near future is uncertain, but when opportunities are open and when a change is possible. 

Let’s see how Maud has managed from hearing the news, to make this period one of opportunities, and the new challenges she faces. 

Interesting story on a situation that happens way more than we think and when we need to truly let go! 

Key takeaways :

  • Being made redundant
    • Took it extremely personally
    • It hurts ego wise
    • Decent redundancy package
    • Then mentally shifted to a new world of opportunities to move on
  • What’s next for Maud?
    • Realized it’s important to bring money to her family
    • Became yoga teacher
      • expand outside of your inner circle: very hard
    • Looking for:
      • Flexibility
      • Having different activities as it’s nourishing and constructive
      • Opportunity to let go, get rid of the control you normally put in place
  • New challenges
    • What people would think about me: hard
    • Not comfortable with uncertainty: but needs to manage and live in the present moment
    • Not drawing conclusions too fast, give time to things

Episode #4: Money earned vs. money received and investments in Arts

Today we’ll dig into the consequences of being gifted money, the responsibility it implies, the choices made with it, and the differences compared to when we earn it in corporate life. Being with an art enthusiast, we have wisely used Maureen’s passion and knowledge to know more about this non-usual asset class!

Key takeaways :

  • Maureen money concepts:
    • Feel better if manage to put money aside
    • Don’t spend more money than you earn
    • Align your spending with an increased happiness
    • Be aware: speak to people, surround yourself with experts in their fields, read the newspaper
    • Listen carefully, ask questions, nourish yourself
  • Art is a passion
    • First step: Need to define what you like, don’t like. Then discuss the price.
  • To keep track of artists
    • Receive daily newsletter
    • Subscription to art magazines
    • Go to galleries and few necessary annual events
      • Art Basel, Art Basel Miami, Fiac Paris, Freeze London

Episode #3: Insight of a trader’s own money management

Ever wanted to know how a trader deals with her own money and what are her best practices? In just 30 minutes, we’ll get great insight into money management and discipline, equity investment, and how to be switched on in our world to know our worth. Don’t miss this rich and accessible discussion from someone in the industry, without forgetting some lightheartedness!

Key takeaways :

  • If you have a clear goal in mind, discipline is easier
  • Align spending to your important things in life
  • Invest in equities:
    • That talk to you, where you either like the story behind it or like the concept/vision and want them to grow
    • Undervalued stocks
    • To spread risk from real estate
  • In order to gain knowledge: 
    • Expose yourself to news in order to be switched on: Bloomberg TV, economist podcasts, seeking alpha blog
  • For salary awareness and negotiations: be aware of your industry, knowledge is power
    • Discuss and disclose salaries/bonuses to friends
    • Take headhunters calls, to have a market update of who’s looking and at what salary
  • Best tips:
    • Have a 3-month safety net as a cushion and peace of mind to cope for unexpected events and rainy days
    • Need control over finances: knowing your inflows and outflows removes pressure, and you can act to achieve your goals
    • Start investing small, get familiar, and learn through the process

Episode #2: Not depending on a paycheck through real estate investment

Want to be financially independent in your early 30s? This is possible! Listen to Vanessa’s story on how she massively saved while in the corporate world, to invest in real estate and solely rely on rent incomes. With this in place, she was able to take some risks, she launched her own start-up and became a trendy digital nomad. Don’t miss her great tips and her very inspiring story! 

Key takeaways :

  • Going from a financially comfortable corporate job to launching a start-up 
    • Impatient, wanted things to move more quickly
    • Don’t want anyone to decide on her career
  • Planning a change
    • Focused on her goal: saved a lot for 3 years to invest in a property and be financially independent. 
    • Had to stop traveling and spending 
    • Was easier than thought as it’s a step by step process and then you get used to it
  • Tips not to depend on a paycheck
    • Save, invest and diversify
  • risk management
    • Want to control risk, always imagine the worst-case scenario and if you can handle it
    • Need savings on the side to have peace of mind
    • No equity investment: need stability as way of life is riskier
  • Tips to invest in real estate
    • Buy a rundown house, that needs a lot of work in a promising neighborhood
    • Look at websites to see similar listings and have an idea of potential income
    • Contact the council to understand the law and what you’re allowed to do
    • Compare the ratio of investment vs. what you can expect as a return

Episode #1: Tracking, planning, and forecasting to go a long way in life!

In this episode, we’ll speak about tracking, planning, and forecasting with a finance director, Anne-Claire Aubert. She’ll tell us why it’s so important to be aware of what you have and spend, how you can track your finances and take actions on what you’ve discovered, how she has planned a move from Australia to Europe with no jobs and 2 kids, and the process she followed to buy a house. Lots of info and insight from a rational woman.

Key takeaways :

  • Tracking: 
    • Eye opener, use an app so that it gives you a report each month. Enables you to see where you spend without necessarily realizing it. Possibility to take actions as now you’re aware
  • Planning:
    • Planning a move is always risky but you need to mitigate it. 
    • Going from Australia to Europe, with no jobs and 2 kids, was fine as worst comes to the worst, there was a family house they could use, so no expenses except groceries, and summer holidays so kids not in school. 
  • Forecasting:
    • Thought process for buying a house: LT view, stop throwing money away through rent
    • First step: Meet with a broker, to have an idea of a budget. 
    • Don’t necessarily go to the maximum you can afford
    • Do worst-case scenario: what if one loses its job, or the two. 
  • Any advice for a house:
    • The sooner you can buy, do it


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