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 #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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