Hot Smart Rich with Maggie Sellers Reum - Milly Goldsmith: Building a $1M Brand, Dating Red Flags, & Being Chronically Single

Episode Date: October 7, 2026

How do you build a $1 million brand with a $0 marketing budget after meeting your co-founder on Hinge? Because truly, that sounds like the plot of a romcom.  Milly Goldsmith reveals how she laun...ched her brand Sult with just $10k, took on $1B competitor Liquid I.V., and scaled her business while navigating dating red flags and chronic singleness on this episode of Hot Smart Rich with Maggie Sellers Reum. Plus, she breaks down creator economy secrets from her bestselling book, Secrets from My Notes App. Milly gets unfiltered about how leaning into raw authenticity online built her massive audience and the unexpected downsides that come with it when navigating modern dating. From weeding out men with her content to navigating awkward dates where guys pitch their startups instead of making a connection, she breaks down what it really takes to protect your energy while scaling an empire. We also pull back the curtain on the business side: how two co-founders met on a dating app, pooled together $10k each, and used viral organic content and personal branding to disrupt a multi-billion-dollar hydration market without spending a dollar on traditional ads. Get unselfish access to insights that will help you own the room. Sign up now https://linkly.link/2jPXJ  ⸻ Timestamps: (00:00) Intro (02:45) Trying Sult (03:43) Launching Sult (08:33) Milly’s Dating Rules (10:41) Milly & Henry’s Relationship (12:44) Finding the Right Co-Founder (13:43) Splitting Co-Founder Roles (15:28) Sult’s Unusual Hiring Strategy (19:30) Fiverr Pro Ad (20:30) Stan Ad (21:26) Taking Risks in Business (23:07) The Liquid I.V. Stunt (26:19) Building a Personal Brand (28:57) Protecting Your Creativity (31:57) Secret Diary of an Oversharer (35:04) Embracing Embarrassment (37:14) Milly on Being Single (40:37) Lululemon Ad (41:35) Eight Sleep Ad (43:07) De-Centering Men (45:45) What Milly Wants in a Partner (48:53) Milly’s Biggest Red Flags (50:34) It’s Okay Not to Have a Plan (51:28) Is Your Network Your Net Worth? (52:16) How to Stand Out (53:23) Rapid Fire ⸻ Sponsors: SoFi - check out SoFi Home Equity Loans at SoFi.com/HSR  Stan - https://ig.getstanley.ai/?ref=hotsmartrich&utm_source=podcast  Alya - https://alyahealth.com use code HSR for 20% off Osea - Use code HSR for 10% off at http://oseamalibu.com ⸻ Hot Smart Rich: Your Business & Culture Gossip For ambitious women wanting to own the room, gain power, and build wealth. Instagram: https://www.instagram.com/hotsmartrich/  Tiktok: https://www.tiktok.com/@hotsmartrich   Maggie Sellers Reum: Instagram: https://www.instagram.com/maggiesellersreum/  Tiktok: https://www.tiktok.com/@maggiesellersreum  LinkedIn: https://www.linkedin.com/in/sellersmaggie/  Locker: https://www.wantlocker.com/users/maggiesellers  ShopMy: https://shopmy.us/maggiesellers  Amazon Storefront: https://www.amazon.com/shop/maggiesellers/   Learn more about your ad choices. Visit megaphone.fm/adchoices

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Starting point is 00:00:00 Okay, when I sell my business, I want the best tax and investment advice. I want to help my kids, and I want to give back to the community. Ooh, then it's the vacation of a lifetime. I wonder if my head of office has a forever setting. An IG Private Wealth advisor creates the clarity you need with plans that harmonize your business, your family, and your dreams. Get financial advice that puts you at the center. Find your advisor at IG Private Wealth.com.
Starting point is 00:00:30 New from Nespresso. Blend wellness into your coffee routine with a coffee plus range, infused with functional benefits. Choose the coffee you love with added B vitamins, like coffee plus B12 to help support immune function, and coffee plus B6 to keep your day moving. Or go with the flow and choose ginseng delight. Our new double espresso with ginseng extract. Whatever lies ahead, don't change your morning. Let your morning change you.
Starting point is 00:00:56 Discover coffee plus on nispresso.com. I think being too picky has led me to being single for my whole life. But also, there's even been times where the guy don't want to go on a third date with me because his friends would take the piss out of him, like, oh, she's gonna make content about you. And they're already judging me based off some videos online. So be it, thank God, move on.
Starting point is 00:01:15 I love you. You're becoming an author at the same time as building a multi-million dollar brand, salt, and being a creator. I'm doing everything I want to do in my life, so how can I complain? Cheers. So good.
Starting point is 00:01:27 Henry, my co-founder, we, So we met on Hinge. We literally went from strangers to business partners overnight. You guys have done some pretty unconventional things, including the liquid IV. Yeah. Can we talk about that? We, people definitely did not like it online.
Starting point is 00:01:42 But if people are talking about it, then that's what we need to do. I need to work with that. You're my therapist, for sure. If you had to synthesize how you can create almost a million dollar brand in your first year, what would you distill that down to? I think a lot of brands get it wrong when they're
Starting point is 00:01:55 creating content online for their product or their brand. And they speak in third person, like to an audience, Salt's Tone of voice is a person. It's not a product. As someone that's navigated, finding a co-founder on Hinge, what is your rule as it relates to mixing business with pleasure? My rule is... Hi, Angels. Did you know that subscribing to our channel is free?
Starting point is 00:02:16 It doesn't cost you anything, and it is the simplest way for you to support HotSmart Rich and help us grow so that we can bring you more of the conversations you love. Just hit the subscribe button below and thank you. In case you missed it, you're allowed to be hot, smart, and rich. So let's get into it. Millie Goldsmith, are you ready to get hot, smart rich? I'm sorry, ready.
Starting point is 00:02:46 So excited that you're here. You've been called Gen Z's Bridget Jones and a lot of your content centers around being chronically single. But the most interesting thing to me is the business that you're actually building and the fact that you're becoming an author at the same time as building a multimillion-dollar brand. and being a creator, a lot of people listening are in their messy middle right now. And I think you have done such a phenomenal job figuring out how to turn mess into a brand. I think that you've built something really substantial without a big budget.
Starting point is 00:03:22 You are a multi-hyphenate career woman that has so many different angles and you're navigating single life in your 20s to a level that most people strive for. So that's the promise to the angels that if they listen to the episode in full, they will be able to do all of those things based on what you're going to share today. Is that fair? 100%. Have you done, actually, before we get into it, let's start by trying some salt. God, you tried it before, haven't you? I've tried it before because I am a huge electrolyte person. What was the favor of you tried? Was it watermelon? I'm a watermelon person. So I'm trying watermelon berry. And I'm trying peach citrus is my favorite. Is it your favorite? Yeah. This was actually
Starting point is 00:04:00 the best seller for the first full year. And then Mangotropical has now taken up. over, which is quite interesting. So did you launch with multiple flavors or just one flavor? We launched with water and berry and peach citrus, and then Magotropo came out like eight months ago. Okay. Cheers. Cheers. Cheers. Let's try it. It's so refreshing. It's so good. I love it. It's so good. How many of these do you have a day? I'm trying for a mouth at the moment, so I'm very active. So I have one probably like five times a week? Five times a week or five times a day? No, a week. So I won't have one every day. You don't? No. If I'm really active or if I'm sweating loads, I've gone to the sauna,
Starting point is 00:04:38 then I will definitely have one. Yeah, my body has, has sweated. That's really what it is. So you made this product and you've almost made a million dollars in your first year of launching the business. You had no investors and not a ton of money that you put into. That's how much money you do actually put in? We both put in 10,000. If you had to synthesize how you can create an almost a million dollar brand in your first year with 16,000 pounds, what would you distill that down to?
Starting point is 00:05:03 I think a lot of it has come down to the storytelling to, I mean, having a brand that I've built for the past five years, like my social media, I grew up from lockdown, had 100,000 followers and then I grew up to about 300, 400,000 when we launched. That was also a huge factor to like building salt because I'd gained such trust from all my followers. So as soon as they saw me bring out a product, they obviously already knew who I was, what I loved doing. I was a gymstruck athlete at that time. So they knew that I was into fitness and it's also quite funny because the first three months of launching, we obviously didn't tell anyone it was like October to December. We were formulating the product. Throughout those three months I put on my socials that I was really struggling to find an electricite product that tasted good, had good ingredients in it, wasn't just like sport focused or made by men. And I went on this like electrolyte mission just to find the best tasting electrolyte.
Starting point is 00:05:58 full well knowing that I was making the best one behind the curtains. And my whole audience was so interested in it. They were also just completely on my side. Like, yeah, I've not found an electrolyte that tastes really good. Like, I've not found one that I love. It all tastes really salty or really sweet. Like, there's never like the middle ground. So I was getting all of this feedback from my followers
Starting point is 00:06:19 without them even knowing that I was creating a product. And we took all of their feedback, all of their notes. And we made the best tasting electrolyte on the market. So when we launched in January, that's when I revealed like, hi guys, well, I'm going to make my own. Like, this is it. It's salt. And we got about, I think it was like 10,000 followers in the first two weeks or something. And from then it was just like building in public.
Starting point is 00:06:40 So we helped them decide, well, they helped us decide the slogans, the packaging, the color, the box, everything. Like the flavors. And that really helps. Like when you're buying a product, you're buying into, you know, the person, but also, like, the effort and the work that you put into it. And so all these followers were putting in their like ounce of work into this product. So they were already buying into it without even seeing what the product was or what it tasted like. When we launched with 16,000, it all just went to the branding and the product development. That literally was it.
Starting point is 00:07:11 We didn't pay any money on paid ads or, you know, marketing in any sort. It was all free as much as possible. We did lots of guerrilla marketing as well. We launched. And that's really how we stood out from the other brands. So you have this idea, but you keep it secret while you're, kind of force formulating the idea. Where did the idea initially even come from now?
Starting point is 00:07:31 Henry, my co-founder, we, do you know the story of how we met? Please share. So we met on Hinge, which is so ironic because I have no luck on Hinge. It's ridiculous, obviously, knowing that my date and life is just complete zero. But we met on Hinge and my best friend, she was like the mutual person, so she wanted us to go on a date and whatever. Anyway, nothing came about of it. We actually met in person at this run club that I was leading for International Women's Day.
Starting point is 00:07:59 And he said that he saw the way that I was leading my community and leading the whole group. And he really was, you know, really impressed by it. So I think it was like four months after that he, he messaged me, he said, do you want to go for a coffee? And at that point, I thought, is this guy asked me out on a date? Like, what is it going on here? But honestly, that coffee was the start of salt. So he said, like, I want to make a business with you. I've got this idea called index
Starting point is 00:08:23 and that was, yeah, the seed that planted salt but we had a big conversation at that at that table and we both agreed that there wasn't an electrolyte that was for the middle market is what we call it, for the people who love to work out but also love to socialize and have a drink. Like we don't, we don't deep life too much.
Starting point is 00:08:41 So we were like, let's just do electrolyte that fits in the middle. Let's just do that. And that's weird. So you guys met on Hinge. The first date was at the run club. Yeah, technically. Did you like him on the birthday? No, no. So immediately you were just like, this is platonic. Yeah, 100%. Yeah. Yeah, yeah, yeah.
Starting point is 00:08:58 And then so when he asked you for coffee, was there any romantic vibe with him or already, you were like, we're just going to be friends? It was, it was an immediate like, okay, this is business. We literally went from strangers to business partners overnight. We didn't know each other. We didn't know how each other worked. I had no idea who he was, really. And we shook hands on this business idea and we went straight in. For whatever reason, I didn't feel scared. I didn't feel like this was a huge risk I was taking. Like, I really believed in the product from day one. And I knew that I wanted to build something. I didn't want to rely on. So it came at the right time. It really did. Yeah. I'm laughing because there was so many times in my professional career when I was single that I was always around really hyper ambitious successful men being in like the VC world and entertainment. And oftentimes it would get confusing because especially with coffee dates. It's like, are you asking me?
Starting point is 00:09:50 there because there's maybe a romantic interest or are you asking me there because you value my credentials? And I always get this question now from the Angels. I just answered it on a recent solo of like, would you date someone that you met through work? And I'm curious for you as someone that's kind of navigated this really interesting way of finding a co-founder on Hinge, people are now starting to use LinkedIn as a way to find someone that can match their ambition. What is your rule or your principle of thinking as it relates to like mixing business with pleasure. My rule is to to never mix it. Like never.
Starting point is 00:10:27 Because I, my business is my life. So I really want to protect any ounce of my life that I don't need to monetize or I can't monetize, you know. And I think I really put value in my, my own time at home. Like, I love my dog. I love my friends. A lot of my friends aren't in the industry. And that gives me that space to just shut off because being a,
Starting point is 00:10:49 content creator, being online, like it is consuming every single day 24-7. And there is no way in hell that I could, I could date a man that is also a person I work with. Like that would be crazy because my work-life balance is out the window already. And I need someone that could bring me back down to earth, take me away from work, laugh about silly things and not always just talk about business. Because I don't think I would trust myself having, being in a relationship with someone who is in the same industry or in my sort of business world because I love work. I'm work obsessed and I don't think I'd be able to shut up and I don't think that's necessarily healthy.
Starting point is 00:11:27 So that is my rule. Rule number one, don't, I'm not dating a content creator. I'm not going to date a person in who I'm working with in my team. But I also have to realize like I can't be too picky because I think being too picky has led me to being single for my whole life. Now that you've worked with Henry for over a year, do you think that you would have been a good fit romantically or no? No. Why? I really realize no. We're so passionate in what we do and we're very alike in so many ways. Like we're both ADHD. We're both very all or nothing that can clash when
Starting point is 00:12:01 you're trying to make decisions in business or even when you're just working in the office and you're both really stressed. But I think that's like the same with any sort of business that has a co-founder. You're both so passionate about something that you want to do everything. You want to put your heart and soul into it and sometimes if the co-founder or the other person isn't aligned with that, where do you go after that, you know? So, yeah, I think it's just business purely and, I mean, he's amazing what he does. He's an amazing guy. He really, he really takes value and puts value into people and into the business and into the future. And it's so admirable. But nothing more than that. But you guys are good co-founders. Yeah. Yeah, we are good co-founders. Yeah. There's definitely
Starting point is 00:12:43 days where we we do have our arguments for sure. But I think, and I think it has surprised me a lot because I was very naive with how a business works, let alone how you work with someone else. Like, I've never had a colleague in my life. I've never worked, I've worked in like retail for like a few months, but that was really it. I've always just been my own boss. So that change in dynamic was really hard for me to adjust. Having someone tell me what to do, I was like, um, no, I'm going to do it this way. What I've learned a lot this year is how to work with someone without stepping on their toes or without, you know, feeling like they don't value your opinion. It's always about compromise. It really is like a marriage, but just in business. And I really didn't
Starting point is 00:13:27 understand that before going in. And obviously not having ever had a relationship, it's weird knowing that this is kind of my first relationship and it's very intense and it's very full on. I hope that it's given me a lot of lessons for when I go into like actual romantic relationship. as well. What are the things that you would tell the younger version of you if you were starting a business are like the red flags or the watchouts or the questions to ask if you're thinking about who to bring in as a co-founder of your business? When you've got a lot of followers online, there's always going to be that ulterior motive. Like what do they want from this? Are they really in it because they value you or are they just wanting to take your followers and take your community
Starting point is 00:14:04 and run? It's hard. It's really hard to know who to trust in this in this day and age. It really is. But it's also just trusting my gut. I think gut is such a powerful tool that I use and that it's hard to teach how to trust your gut. You know, you just have that feeling and you just got to roll with it. And I think also I do sometimes ignore a lot of advice from people because I think people's advice is always just dependent
Starting point is 00:14:28 on what they've gone through and what they've experienced. And that is so different to what I'm going to go through and what I'm going to experience. So I take a lot of people's advice with a pinch of salt, even if it does fail, that doesn't mean I've failed. I'm not going to take a person. lesson in, which is going to take it as a lesson, and that's at the end of the day. I often see the best co-founder dynamics be like, even my sister and I, right?
Starting point is 00:14:46 Like, we're both co-founders of the business, but like I'm definitely the face of it. And truthfully, I started it a year before she joined, but like she owns 50% now just like I do. And so I'm curious for you as someone who obviously had a platform and you brought a lot of like the creator face to it. Now that you guys both filled in public, like, what are the roles and responsibilities that you really own that or versus what Henry owns? Like how do you decide that so that there isn't that weird crossover of like, well, I thought that was my role or I thought I was the storyteller. And like you're doing the operations. Yeah. To be truthfully honest, there has been that weird murky middle. Like we're like, I thought I was doing that. But again, that is just, we're both doing this for the first time. We're really just learning how each other works still. On the surface, like, I am the storyteller. I'm the content creator. I'm the person who is, I guess, like, I'm not even the face of the brand because Henry is also. But I lead the story online. I help a lot with the story. like the gorilla marketing ideas
Starting point is 00:15:40 and a lot of the gamification that we use on emails. But Henry is, Henry is very much situated in the business side of it, the numbers, the ops. You know, he talks, he has main comms with our manufacturers. But we both come together when it comes to creating the product,
Starting point is 00:15:58 agreeing on what we want to do next, where the business is going to be in two, three, four years time. We also love our high production videos. We come together. with that and create ideas with that. So we both tap into the creative side. Henry is more of the upside, for sure.
Starting point is 00:16:14 And I've definitely tried to dip my toe in there and understand what's going on in the business because I really want to learn. I really want to have, you know, that business savvy mindset. In various stressful times, I'll just leave Henry to do it. And I'll ask him later on. I'll be like, what's actually happening?
Starting point is 00:16:28 I think, though, that like as organizations change, like you guys have done some pretty unconventional things, including the way that you hire people and you don't use CVs, you use videos to have. hire people, like that is probably, in my opinion, like the heartbeat of the organization, because if you don't have people to build your business, like, you really don't have a business, right? And to give you your flowers, like, that is a very creative way and a very unconventional way to hire people. Where did the thought come to only hire people based on a video submission?
Starting point is 00:16:57 Yeah. So, I mean, way before Sol existed, I was always trying to look for a PA or some sort of, you know, what do you call it, like a founder assistant, I guess. And I, I mean, I, I never ever looked at CVs because I always thought it's so much easier to write about your ability than to show your ability. And I literally think that a lot of the CVs and cover letters are all just AI generated. And also people will then go through those TVs with AI. So it's really just computer talking to a computer. That was always implanted in my head.
Starting point is 00:17:30 And then when we actually wanted to hire for our new social content lead, we both thought, like, we hate reading CVs. There is always people like sending our CVs and it's amazing, but we just never go through them. We just don't. We hate it. So we thought when we did see this one girl actually post a video saying that she would love to work for us and that sort of planted the seed in our heads and we were like, okay, well maybe this could be a strategy that we could use.
Starting point is 00:17:54 We definitely didn't think it was going to blow up the way it did. But we thought, let's just put a video up. No CVs, no cover letters and people just got the memo straight away. We definitely weren't anticipating a lot of people up voting it on socials. thought they were going to just send us a video in our DMs or in our emails or we transfer over. But it became this domino effect of social content. It was a completely free marketing strategy that ended up going viral. And we were very stunned, honestly, we were.
Starting point is 00:18:23 But we just rolled with it. So this is the thing when it comes to salt. We don't really plan much at all. We just sort of react and see what happens and see how people respond and then go with it. So with this first video, it got a load of views. We had a load of people uploading their sort of CVs online. And I saw that and I was like, okay, well, let's make this three, four, five-part series. Let's like follow along with them and update them as we're going and, you know, show that we're live in action.
Starting point is 00:18:54 So that's what we did. And we made it this, yeah, this whole five-part series. And then when we actually hired our person, we didn't want to announce her yet. We wanted to keep a little bit of a secret because people were so interested. and engaged. Our next few videos, we had her like hiding in the background, just walking around, making a salt. No one really noticed it was her then. And then we taught her to do a mission, which is to hand out as many salt sashes as possible. So she dressed up in disguise and a granny outfit, went to this run club, handout load of salt. And then we finally announced her by getting this
Starting point is 00:19:25 billboard saying, Salt's new hire with an arrow pointing down and she was just sitting under there with her laptop. And it's just stuff like that that we have so much fun with. And I think that's why People love Salt because it's kind of just like an influencer. We just treat it as like another influencer page. Is that how you like think about it? Yeah, yeah, yeah, yeah. I think like Salt's tone of voice is a person. It's not a product.
Starting point is 00:19:46 Like I think a lot of brands get it wrong when they're creating content online for their product or their brand and they kind of speak in third person or they speak like to an audience. Whereas like we're speaking to the person who is just seeing this story right now. And it's coming from me and Henry. It's not coming from Salt, the product. Are you having a lot of fun building the business? Love it so much. Of course it is so hard.
Starting point is 00:20:10 And I think like navigating my book writing with building salt with just normal content has been so hard. That's been probably the hardest thing I think about this whole thing. But when me and Henry come together and we fire across ideas and we're working together and we're just being a little bit silly, it's so fun. It's like being back at school. We say it's like a school project. I just asked all of you guys this one question. what is the one thing holding you and your team back from using AI properly? The answers were fascinating because everyone was basically circling the same problem,
Starting point is 00:20:43 the same one that I had. They don't know where to start. People said things like, we don't know the right prompts. We don't know how to set up an AI agent. Our systems don't talk to each other. I think every company today needs someone thinking about this properly. How can AI save time or increase output?
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Starting point is 00:22:31 I want to help my kids, and I want to give back to the community. Ooh, then it's the vacation of a lifetime. I wonder if my out of office has a forever setting. An IG Private Wealth Advisor creates the clarity you need with plans that harmonize your business, your family, and your dreams. Get financial advice that puts you at the center. Find your advisor at IGPrivatewealth.com. When you're a mid-sized business, you need every competitive advantage.
Starting point is 00:23:01 you can get. Like an AI solution that works for you, not against you. SAP Grow is built with AI embedded at its core, working across every system. And it's ready to go from day one so you can hit the ground running. Bring it with SAP Grow, AI Cloud ERP for any size business. Because I always say, like, you can't compete with someone that's having a good time. And I, that's why I sat you beside me at the dinner that I did in London, because I had not heard about you, but I'd about salt. And so when a bunch of names got surfaced to me of like, who do you? And I was like, this brand is so fun. I'm curious as you are taking so many risks and doing so many things that like traditional business people are telling you not to do, how do you handle not knowing when
Starting point is 00:23:47 something might not work out, but doing it anyway? I think I'm just so used to at being content creator for five years. Like I know that it's not going to be everyone's spread and butter. It's not me everyone's like you know taste and like that doesn't bother me at all we're not trying to be a product that everyone loves and that can be in everyone's you know kitchen cupboards it's just like i always say like i am the customer so whatever i post whatever i do whatever we decide will i like it as a consumer as a viewer and that is my decision like that's the only way we decide how to do things sometimes henry's like no we need to be a bit more cooler we need to be a bit more like professional but then I do just think like Henry it's not us like it's not us people buy into
Starting point is 00:24:31 people they don't buy into the product at the end of the day of course like the product has to be amazing has to be good but like you said like you loved you loved the people behind it you loved how fun it was and that's what got your attention and I think that's the same with a lot of people I just think like I just do what I want to do like that's literally yeah I don't ever think it at all and like a lot of like social media it's so fast-paced nowadays people will forget it in a week's time so it's really not that big of a deal. If anything, you know, does go tits up or get people get offended. But we never, we never cross the line too much. We literally just have fun with it. Honestly, that's literally, yeah. What about the liquid IV? Yeah. Can we talk about that?
Starting point is 00:25:05 So, yeah, I think it was during the London Marathon, Liquid IV, which is obviously an American brand. They had a huge activation at a London event, like a huge London event. And we thought, like, that doesn't sit right. Like, we're a UK-run brand. Why is salt not making a move? Why is salt not, you know, being seen at a huge London event? So me and Henry dressed up under disguise. We had our builders hats on. We had our hivers on.
Starting point is 00:25:32 We had our salt truck. And we went in pretending that we were just going to fix some electricians or whatever. I don't know what our plan was. We didn't have anything scripted. But we went in and we had our salt. We had a huge salt sashet, inflatable thing. And we just made some noise. And we were filming it.
Starting point is 00:25:50 I had my metaglasses on. And it was just a really funny. idea that we had and then we just walked out and that was it like it didn't cause any havoc it didn't cause any drama online it did a lot people definitely did not like it online but again like anything that is controversial anything that is um you know you think that might be a little bit dangerous or in the danger zone is something that we're going to do because we know that if people are talking about it then that's what we need to do bad press is still good press exactly yeah but you guys chose to leave the hate comments up on post why because I think
Starting point is 00:26:22 I think as soon as you start to delete them, they're controlling the narrative. I'm not going to, I'm not going to try change it. I'm not going to, you know, feel defeated by deleting them and feel scared. Like, I'm going to leave them there. Because I think that's what a lot of haters online want. They want you to react. And I always say, like, just leave it. It doesn't matter. It's fine. So my theory is that this is our store online, right? And why would I let someone that's new to the brand see a comment that could negatively influence them if they, don't know anything about me in the first thing that they see is like hot, smart, rich is so toxic. I absolutely hate what you guys are doing. I have to do X, Y, and Z. Like, to me, that's where the analogy of, like, you should be able to delete comments comes in. But I think you're so right that some of the time, like, you have to piss off 80% of the people to find your 20% of people that are really made for you. Have you ever identified as a people pleaser? The worst people please ever, which is really interesting because in my, in my business world,
Starting point is 00:27:22 It's like I don't really care. But in my personal world, I'm very hung up about upsetting people. And I've always tried to understand why that is. I don't really know if it's because I remove myself as Amelia Goldsmith, mini-goldsmith, in my business and just, you know, have such a tunnel vision that I want to not be affected or pivoted by anyone else, but me and my decision. And then I think when it comes to, yeah, my personal life, I think I take it very personally. So I don't know why that is.
Starting point is 00:27:54 I need to work with that through my therapist, for sure. Well, I also think your personal brand, how would you describe your personal brand? Like Millie Goldsmith? A chronic oversharer, very vulnerable, says it how it is, and very normal, I think. That's how I described it. I just recently read this dot that 80% of audience say that they want authenticity from insincolns, which I think that you give. but you've also said now that online vulnerability has become so oversaturated and people are almost weaponizing it against communities to just like get followers and to gain traction.
Starting point is 00:28:31 So I guess like how do you balance being an overshare and leading through vulnerability and also knowing that like this is now something that so many people are doing? Because it feels so organic to you. Yeah. I definitely have a hard time with it because it is starting to become a trend and anything that's trending. I mean, as soon as I started social media, I always just didn't want to hop on trends. I knew that that wasn't going to get me the audience that I wanted to build. It wasn't going to make me feel like I can connect with anyone because a trend is literally just something that's built by someone else that is getting load of numbers and hitting the algorithm and everyone else is going to get on it. And that's where you're going to get lost in that in that group of saturation. So I always wanted to go against that.
Starting point is 00:29:15 And now when it comes to vulnerability, like it is becoming this weird trend. And I think people are recognizing that it does attract people, it tracks audiences, it tracks, you know, the numbers. So when you've got that intention, you're going to hop onto it. And again, I don't want to hop on a trend. So I'm now conflicted between being myself and just doing what I know works on my page and doing what my followers want and what I want. And then avoiding trends and, you know, try not to get lost in the sea of other people online. For example, with my book, I launched it in April. And I was like, how can I promote this book that isn't selling a product?
Starting point is 00:29:57 Like, it doesn't come across like it's, you know, just for selling. How can I make this book feel like really, truly me? And how can I connect this book to everyone else who's watching? So I created these high production sort of book trailers. And they were basically like opening scenes. to some of my favorite chapters of the book. And it really encapsulates like the feeling and the emotion that I capture in the book. And people have loved it.
Starting point is 00:30:26 They've really loved it. Conventual question, I think, is always just, I always post content with what I feel in that very moment. I never, again, I can never plan it. I never think about hooks or, you know, how long is this going to be? Like, are people going to, what are people going to take from this? I just think on the sport and what I feel. And I think that really comes across.
Starting point is 00:30:50 So that's where I get that authenticity in the content. How do you protect your creativity? Scrolling is definitely a no-go. I mean, it's really hard because there are definitely times where I'm like, I'm stuck for ideas and I'm trying to think of what to post and I'm not doing anything, but it's because I'm stuck inside trying to force something. If I go outside and I actually just live, that's what's going to trick my creativity and it's going to get me flowing again.
Starting point is 00:31:14 it's getting out of this rut of social media that I definitely get myself lost in as well that's just why I get my creativity from from conversations as well talking to people coming on podcasts like this like talking to strangers I always try and talk to some stranger a day whenever I go to New York it's so easy to do that so I always try and bring that sort of energy back to London
Starting point is 00:31:35 and I really just try and like express any part of myself to a stranger and they can do the same and I'll always get something from that I think a lot of people nowadays want to be these multi-hyphenate creative entrepreneurs that can jump between like being an author and building a brand and doing content. Like how do you actually structure your days to be able to do all of that and stay creative for so many different types of projects? This is something that I don't know the answer to because I can't just focus on one thing. I'm always trying to do multiple things at once.
Starting point is 00:32:05 If I'm doing one thing, I feel like I'm wasting time because I need to do another thing. So that's always in the back of my head. And then when I start doing that thing, I feel like there's another thing that pops up in my head. so I'll have to just do that quickly before I forget. It's a constant cycle. So the way that I try and structure my days is, I mean, I'll always go on a walk in the morning with my dog. That is like the one time where I don't look at my phone.
Starting point is 00:32:26 I listen to podcasts, listen to HotsmartRitch. Love you. I always start with my socials, replying to my DMs, seeing what my followers are saying. And then I'll go more to like the business side, so I'll see what's in the emails. And then I'll see what happens after that, if anything pops up, which is usually always like a new problem or a new ad that's come in
Starting point is 00:32:48 for my manager, there's always something. I'll have to just like do one hour of, of salt or one hour of my business, book, anything like that and just focus on that. Recently I've been trying to do two, three days a week of salt and anything outside of those days, I'm not salt at all. So I'm doing anything else like my book, my content, my ads. And that is really helping me because it's making me, you know, not feel like I have to do everything at once. Because I really struggle with that. I struggle with prioritising everything. Like, everything feels like I have to do it now.
Starting point is 00:33:19 I'm not going on. I haven't had a weekend in a while, apart from last weekend, just gone. And I'm really trying to get better at that because, I mean, I've hit rock bottom many times from burnout. And it's not good. It's not good for me. It's not good for my creativity. It's not good for people around me.
Starting point is 00:33:34 And I really don't want to get into that right again. So I'm trying to incorporate, you know, at least a Saturday where I can just do anything but work and see my friends, whether it's an evening or a morning, go on a run. There's always just something that I'm trying to just do that isn't work. So the book is called Things I Told My Notes app. How would you describe that to someone that's listening to it for the first time and like why it became a bestseller in a week? I always describe it as if you're someone who's just opening up my journal and you're reading it and you feel like you're reading something that you should. shouldn't be reading, but you're so lost in it that you just keep, you have to keep reading. I think it's a, it's a diary that covers everything from family dynamics to going to a girl
Starting point is 00:34:18 school, to being a single my whole life and dating and boys. Anything that you could imagine that a 20 year old person will go through. I, I explain it in a very digestible way, but also from like a psychological way. I did a psychology at uni. I love psychology. I love theories. So I've come up with a few little theories in the book. And I love to just think outside the box. And I love metaphors. I love metaphors. So there's a lot of metaphors in the book.
Starting point is 00:34:46 I think it really helps people, like, conceptualise very hard topics that they're trying to navigate in their Chinese into something that's just, like, very easy and digestible. So, yeah, it's a very relatable book. And I think a lot of people will probably see it as something that is, like, an oversharing book, for sure. And I think I agree, but I don't mind it. I really don't. I don't mind people knowing about my entire life. So when you're thinking about this being your notes app, how does it actually turn into a bestselling book?
Starting point is 00:35:17 I think, I mean, there was so much trashy behind this. I mean, already the Titan itself, things I told my notes at, is something that every single person who has an iPhone can relate to. I know that a lot of people will have very unhinged, weird, random things that they put in their notes app. So opening someone's diary is very, very intimate. And I think a lot of people on this planet are very nosy when it comes to people's lives and what they're thinking, what they're doing. And so when you have access to someone's diary, it feels, it feels like you shouldn't have access to that. It feels like something that, you know, it's quite rare to have access to. So when I was writing this book, I always had that in the back of my head.
Starting point is 00:35:59 Like, I don't want to write this with the intention of talking to someone. I want to talk to myself. I think that's what helps people feel so drawn to the book because when they're reading it, it does feel like they're almost talking to themselves as well. It's not like, you know, it's not like there's this wall between me and the reader. It's the reader reading their words, essentially. So that was also a huge thing for me.
Starting point is 00:36:19 Like I wanted to have this feeling of the book. I wanted to give off this emotion that people can always connect to. I think it's very different to your usual cover. It's very simple. And with everything I've gone about in my career, I always want to do something different. I always want to go against the grain. So when I was going into all these bookshops,
Starting point is 00:36:40 there was such crazy book covers, loads of colors, loads of huge titles, letters and everything. And so I thought, like, let's just strip it back. Let's have more empty space. And let's just do one title and a little bit of a subtitle and that's it. And I think that's what stands out as well. Stephen Bertlett actually came on the show and talked a lot about how embarrassment is the price of entry.
Starting point is 00:37:05 And to be successful, admired, inspirational to people, it always starts off being really embarrassing. And if you're not willing to pay the embarrassment price of entry, like you will never get to where you want to go. When you think about what you just wrote and the word embarrassment, how pivotal is that word to your success in your career and into your life? Completely egress, even. It is the main thing that has got me through the door. Every single thing that I've done, I mean, I started posting on. Instagram, off the back of my eating disorder, I literally, I hid this secret for about eight years and I shared it online to about 2,000 people and that was the most embarrassing I could have
Starting point is 00:37:44 ever done in that moment. And then I started to promote weight gain, which was, again, something that no one did. No one was talking about weight gain or, you know, how great it was, how it's healthy to gain weight. And all of these things were like the most embarrassing thing in the moment. even like when I suffer with acne and I go out or I post a picture online, that is so embarrassing for me, but I know that that is just making me connect to the person on the other side of the screen. And that is what's got me to where I am today. It's that connection. It's that vulnerability. And this concept of embarrassment doesn't really exist.
Starting point is 00:38:20 It's really just like your insecurity in the spotlight. There's this phenomenon that called the spotlight effect where we always think people are looking at us. Like if we're walking outside on the street, your first instinct is you think that everyone's judging you. But really it's just like, it's you judging yourself. You don't know what people are thinking. You have no idea. The only information that you have is what you're thinking to yourself in that moment. And you just assume that everyone else is thinking what you're thinking.
Starting point is 00:38:47 So really it's just embarrassment is just you judging yourself. So as soon as you strip that away, embarrassment doesn't exist. So are you not embarrassed by things anymore? I definitely do get embarrassed still. I do still judge myself, which is a learning. It's a lesson that I'm going to continue to learn throughout my life. But, oh my gosh, I am way less embarrassed than I used to be. I feel like you have talked about being chronically single as like a badge of honor. How do you actually feel about being single? I think, oh, it comes and goes. It really does. Like some days I absolutely love it.
Starting point is 00:39:24 I really do. I really thrive being single. I love being independent. Like I love just doing what I do. It's amazing. But there's moments where I definitely feel lonely. I mean, I live by myself, so sometimes at night I'm just like, it's quite lonely. Or there's times when I go to my best friend's wedding and I don't have a plus one. You know, obviously during Valentine's Day and all those sort of holidays is when I really sort of reflect. And I think I'm 28. I've still never had a boyfriend. Is this ever going to change? Because I do think I've become so comfortable with my own company now that I think I'm scared of doing anything different. Like, being in a relationship and sharing my life with someone else feels very abnormal and
Starting point is 00:40:05 very unknown. And I definitely fear the unknown a lot. I do get worried that this is going to be me forever. And I think there are parts of me that I shouldn't get worried because so what. Like, it doesn't matter. But I do, I would love to, you know, feel love and I would love to be loved. And, yeah, I would love to just, I'd love to experience a human. emotion that a majority of the world experience. You know, I feel, I feel this sort of sense of
Starting point is 00:40:32 phomo when, like, knowing that I've been single for this long. But when I talk about it online, like, it really does make me feel so empowered because there are so many of people out there who love being single and all they question being single and I'm helping them, you know, thrive in their singlehood. But yeah, don't get me wrong. I definitely, I definitely have my downtime and my sad days sometimes. If it makes you feel better, I loved being single. Like, I thought it was so fun and you get to do whatever you want. Like no one's like make, you don't have to compromise. And I also just felt like I learned so much about myself through being single. And I know you did something very similar to what I did actually right before I met my husband, which was like I did not date anyone for six months.
Starting point is 00:41:12 I was like, I am literally not going on dating apps. I'm not going on one single date. I am just going to like fall back in love with myself. And it really helps me understand like what I actually wanted. With something that you're still struggling with, do you think that you can be confident? and like genuinely enjoy the process while you hold those two emotions at the same time. I mean, at the end of the day, I'm, I do, I have so much fun in my life. Like, I'm doing everything I want to do in my life. So how can I complain? I generally think, like you said, like I've learned so much about myself. I haven't had to rely on any sort of external validation to make me feel like my cup is full.
Starting point is 00:41:50 I haven't had to, I mean, don't get me wrong. Like my whole eating disorder was was purely based on the fact that I know. needed male attention. I wanted male validation and I thought that the answer to that was to change my body. I do think that like if I had a relationship during those dark times, would I have built such a strong inner voice in my, in myself that could tell me that I am worth and like worthy enough? Like I would, would I have relied too heavily on another person's opinion of me that my opinion of myself might not have held so much value? I don't know. And I think my opinion of myself is is my opinion because it's so strong and I feel like I feel like nothing can change that.
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Starting point is 00:46:20 Gensing extract. Whatever lies ahead, don't change your morning. Let your morning change you. Discover Coffee Plus on espresso.com. Yeah. What does that mean? It basically means to take them off the pedestal and put yourself on it instead. When I think about decentering men, I think about all the times that I had centered men in my life. So, for example, my eating disorder, just doing anything, like eating certain foods for men because, or like not wearing my hair in plaids because men like plants, like everything was centered around men. And that is basically what you have to do. You have to just de-centre them.
Starting point is 00:46:56 You have to take their opinion out of the equation. It doesn't matter. And you put your opinion at the forefront of your life, and that's what you run with. People mistake in decentering men is just thinking that you have to just not like men in general. And that's not the case. You can still date whilst de-centering men.
Starting point is 00:47:14 You know, it means like you go on a date, you don't put a lot of pressure on it. You leave. If they haven't texted you, that's fine. It doesn't matter. They don't hold the narrative. They don't hold your worst just because they haven't texted you. It is just being so comfortable around them that anything that they say or do will not phase you.
Starting point is 00:47:29 And that's really helped in my personal life also in my business life as well. And my people pleasing traits 100%. Do you feel like now that you are so vulnerable and like anyone you're dating can read your mouth? Like were you nervous about that at all? Oh yeah. 100%. Yeah, yeah. There's even been times where I've gone on, I think it was like the second day.
Starting point is 00:47:46 And then I found out through a friend that the guy didn't want to go. going on a third day because his friends were taking the piss out of him about my content. And they were like, oh, she's going to make content about you. And I was just like, these boys, these boys are ridiculous. But I do definitely understand. Like, it, it, I come with a lot of baggage now with my whole entire life online. But like I said, like, I'm not going to change myself for anyone. I'm not going to change my career.
Starting point is 00:48:12 I'm not going to be anything different just to please a guy. Because if I did, that would be centering them. So I'm just going to let it roll. I think this name is so true. I definitely lived a lot of my single fun life online. And even my husband, like the first thing that he was sent by a friend was my videos. And he actually had a different perception of me than what he said I'm like. He was like at the time I was really only doing B2B like business, investing content. And he was like, truthfully, I thought that you were going to be like a little full of yourself and like very know it all. And I don't know if I would have really worked with someone like that. But I was really willing to give you a shot because I thought that you had really good energy. So it's interesting because I feel. I feel like the perception of people online can actually be very different. But being with someone who understood what I'm trying to do, the mission of hot, smart, rich, why I'm trying to make women a hotter, smarter, richer, he was able to, like, because he was an entrepreneur, see the value
Starting point is 00:49:06 in what I was doing. And it wasn't like, oh, you're just wanting to, like, gain a following. You're actually trying to change things. So I'm curious for you, as now an entrepreneur, bestselling author, creator, like, there's so many hats that you're wearing. When you think about the ideal person that can support you and like really lift you up and not take away like what do you think that person would be having multiple businesses and being the woman I am can come across quite daunting quite intimidating and so that's already filtering out all of the insecure guys if anyone if any guys is already concerned about my content already judging me based off some videos online and I haven't even met me in person so be it thank God move on that security that confidence that willingness to
Starting point is 00:49:50 to help out whenever, you know, I might need some pictures taken or a video taken or they'll understand that the world of social media and that just because I'm on my phone doesn't mean I'm ignoring you, I'm actually working. My mom also thinks that I'm just scrolling on my phone and I'm not doing anything but really there is such intention behind everything I do and I need them to value that and I need a guy who is also doing their own thing. They're busy themselves. They're not hung up about my busyness and we will come together and we'll whenever we're not working, we'll have the best time ever because it's our time to de-stress and to not think about anything work-related. So when I think about all of those traits,
Starting point is 00:50:32 it probably is painting a picture of a businessman or someone who loves traveling and can travel the world with me. But I don't think I'm asking for a lot. I really don't. Probably an older guy, to be honest as well. I think there's a lot of amateur men who will not be able to able to handle me. Do you want a guy that's watched your social media to lie about it or to tell you? Like, I actually know a lot about you. I would, I would appreciate them to just tell me, to be honest. If they ask me what I do, I'll be very top line. I just, I'm having an electric business, do a bit of content, but I wouldn't, I wouldn't tell them my name. I wouldn't say Millie Goldsmith. I'll always say Amelia Goldsmith. So, in hope that they won't find me. But again,
Starting point is 00:51:10 it's a really weird thing to navigate because I don't know if they're dating me for me or if they're dating me because they love that attention online or if they, I mean, I've got many business pictures on dates, which is a no go for me. Like for people, you invest in their company? Well, or they think, like, what should I do for this business? What do you think I should do? And although it's amazing, I'm just like, that's, it's not great for the first day. I don't know what your intentions are here. So I'm trying to, yeah, read the room in a fair way, but honestly, I have to just try and like own it and be confident. I think as soon as I, I show them that I'm a little bit nervous about my job.
Starting point is 00:51:47 It might come across like I'm judging myself, and then it might open them to judge myself in a way. So I just try and be as confident as I can and just sort of own it. Has Henry ever introduced you to someone to go on a date? No. Henry, you better watch this? I do ask him, but I think some of his friends... I just a little bit, no.
Starting point is 00:52:04 There are no for you. Yeah, you need a little bit older. Yeah, I think I knew a little bit. What are some big red flags on a date where if, like, a woman's listening to this and she feels like she's settling, she should walk away? Let's think about it. who just doesn't support you, who is jealous, who doesn't, yeah, big you up. It wasn't your number one fan.
Starting point is 00:52:20 That's number one red flag, 100%. If they don't have any hobbies, to be honest, I think if they're purely work-driven, then and that's all their personality is, I think there's not much going for them. You don't want a baby a man, you don't want to, you know, have to mother them. So I say that's another red flag. I also think, I mean, the obvious ones, like any guy who doesn't give you any time of day who isn't, you know, doesn't text you frequently or isn't checking up on you or, I mean, it turns out of your love languages. Like, I really appreciate someone who just gives me their time of day or just gives me thoughtful things, whether it's like getting me a coffee whenever I didn't think about it or just helping convenience my life a bit more. That's what I really value.
Starting point is 00:53:07 So it's just that, that extra thought that I really value. so I think a guy who isn't doing that, I don't think I can really align with. What about like first date red flags? Anyone who's rude to staff, absolutely no go. Anyone who doesn't really ask many questions, always talks about themselves.
Starting point is 00:53:26 I think that's a sign of a narcissist I've heard through many podcasts. So that's an early, yeah, big red flag. I think just someone who's just very arrogant. I really don't like arrogance in a guy. Like I said, like I am very picky, so I'm actually trying to learn to not read into too much and just be very open-minded.
Starting point is 00:53:41 and not take the first day as the be all or end or like I really want to give guys a chance. So I think a red flag would be if they don't want to go on a second date, to be honest. I love you. I'll be a red flag. Okay, Millie Goldsmith. Is there anything else that we haven't talked about that you would be sad to leave the set of Hot Smart Ridge if we didn't? It's not normal to know what you want to do in your life, but you have to trial so many things in order to find what clicks with you. It has kind of worked in my favour.
Starting point is 00:54:10 It's been very sort of easy with the way that my career has progressed. And I'm very, like, aware of how lucky I am with that. And if I, if that hadn't gone about, then I would still be doing what I'm doing today, which is just trying anything, trying absolutely anything, whether you have no experience or whether you have no knowledge in what you're doing. The best way to learn is to just try and to ask people and to meet as many people as you can, have conversations as strangers, and just put yourself out there. I think being like this entrepreneur and this business woman now,
Starting point is 00:54:42 like I've really learned that getting in front of as many people as possible is so valuable and it's a lot about who you know as well. Do you believe that saying now that your net worth is your network? Yeah, I do. I think from what I've seen from Henry's side as well, like Henry knows so many people and how we've built salt and how we've bootstrapped it all is a lot through the network that we've got through asking people.
Starting point is 00:55:08 Like with the billboard, we know people who run a billboard company or we know people who, like, someone's Squib, like he knows people. So it's a lot about who you know, for sure. And that's one thing I didn't know about the business world is kind of how relying on it is on that. And so I think people can really take advantage of that.
Starting point is 00:55:26 I think everyone can meet as many people as possible, whether it's through a DM, a phone call, a LinkedIn message. Like, everyone has access to everyone. So really take advantage of that. With that access, what is something that breaks through the messages that would actually get you to respond or take the time to like share
Starting point is 00:55:42 a really differentiated piece of advice when you are so inundated as someone that's busy? I think anything that's just easy, makes my life easy. So whether it's a video, for example, or whether it's something creative, like someone sending a personalized letter that is, it's very personal to me.
Starting point is 00:56:00 And I don't know, say someone sent me a letter about, you know, hope you had a lovely festival, watch your content, blah, blah, blah, would love to help you out on maybe your next outfits or say if it's like a phone charger. I would love to build you a personalized bespoke phone charger that can, you know, make your life so much easier in X, Y, Z. Like it's always about making my life easier, I think, for me. So, yeah, I'm always looking for creativity.
Starting point is 00:56:25 I'm always looking for people who just know me. I don't want to have to ask many questions. And I want to just, yeah, I want to be able to just say yes. there and then and meet up for a coffee. Okay, Millie Goldsmith, let's do some fun rapid fire. Perfect. What is the last thing you put on your credit card? I think it was my food shop.
Starting point is 00:56:45 Love? Yeah, my MNS food shop. What is the most expensive last thing you put on your credit card? It does my rent count. Yeah. Love that. Okay, worst place for a first date. The worst place for a first day.
Starting point is 00:56:59 Oh my gosh. A dingy pub. What is the best first message a guy can send on a dating app? Oh, something witty and fun. And sarcastic. I love sarcasm. It's anything that is kind of self-deprecating. Okay, love. I can grant you one wish. Joe and the Jews carry salt tomorrow or you meet your husband tomorrow. I meet my husband tomorrow. Yeah. I'm going to do it. I got that wish. Love. What are you more nervous for? A first state or a big pitch meeting for salt?
Starting point is 00:57:29 A big pitch meeting for salt. Would you rather be misunderstood or judged? Misunderstood. No, judged. I really, being misunderstood is like a really hard feeling for me to just sit with. I really, really don't like being misunderstood. But being judged I can deal with because if I'm not judging myself, it's fine. That's what it matters? If you had to title this season of your life, what would it be called? This is only just the beginning.
Starting point is 00:57:52 Love that. Yeah? You are such a rainer. You don't take a long time to think. Just rip it off. Okay, and if you had to tell yourself one, at HsR love note for the rest of your life, what would it be? You know what I love, which I always say to us every day, is, because I'm very decisive, I always say,
Starting point is 00:58:10 ready is not a feeling it's a decision. And so if there's anything that I'm trying to decide on or like, even with this podcast, I do not feel ready to come on. I was like, oh my God, I'm not ready. I like give me a few more years. And I'll come back with like a load of knowledge onto my belt. So does that count?
Starting point is 00:58:24 Yeah, I love that. Yeah, that's what I say. Okay, Millie Goldsmith. Where can people find you and how can AGSR help you? You can find me on Instagram, TikTok, Minnie Goldsmith, or drink salt. You can also find my book on Amazon, Waterstones, Kindle, Apple Books, Spotify, called Things I told My Notes app. And HsR could help me by getting salt in America.
Starting point is 00:58:48 Love that. We're welcome. People that are listening to this, then we can try to sign away. Do you have, like, a dream list of retailers to go into? I mean, Whole Foods would be amazing. And Cafe, I mean, Joan the Juice would be amazing. Like, gyms, Equinox, just take over the world. Let's do it.
Starting point is 00:59:04 Love it. Lily Goldsmith, thank you so much for coming on. We love you. I love you. Thank you. We're some see heroes and others see egos. Bloomberg sees the era of billionaire athletes. While others follow the noise, we follow the money.
Starting point is 00:59:32 Learn more at Bloomberg.com.

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