The Bossticks - Haley Sacks AKA "Mrs. Dow Jones" On How To Actually Build Wealth, Master Your Money, & Stop Making Financial Mistakes

Episode Date: January 15, 2026

#927: Join us as we sit down with Haley Sacks – American entrepreneur, financial educator, & one of the original financial influencers, widely known as "Mrs. Dow Jones." As the Founder & CEO of Finance Is Cool, Haley is redefining modern money conversations & breaks down the financial fundamentals that actually move the needle — from estate planning, building a real emergency fund, & paying off high-interest debt, to what your money should truly be prioritizing. In this episode, Haley gets candid about mastering negotiation skills, leveraging AI to work smarter with your finances, cultivating a healthy money mindset through intentional "money dates," & having the real conversation around whether you should get a prenup. Just because you're not rich yet, doesn't mean you can't be!   To Watch the Show click HERE   For Detailed Show Notes visit TSCPODCAST.COM   To connect with Haley Sacks "Mrs. Dow Jones" click HERE   To connect with Lauryn Bosstick click HERE   To connect with Michael Bosstick click HERE   Read More on The Skinny Confidential HERE   Head to our ShopMy page HERE and LTK page HERE to find all of the products mentioned in each episode.   Get your burning questions featured on the show! Leave the Him & Her Show a voicemail at [phone].   This episode is sponsored by Betterhelp BetterHelp makes it easy to get matched online with a qualified therapist. Sign up and get 10% off at http://BetterHelp.com/skinny.   This episode is sponsored by Nutrafol For a limited time, Nutrafol is offering our listeners $10 off your first month's subscription and free shipping when you go to http://Nutrafol.com and enter the promo code SKINNYHAIR   This episode is sponsored by Boll & Branch Get 15% off your first order plus free shipping at http://BollAndBranch.com/skinny with code SKINNY.    This episode is sponsored by Experian Get started with the Experian App now! Results will vary. Not all bills or subscriptions eligible. Savings not guaranteed. Paid membership with connected payment account required. See http://experian.com for details.   This episode is sponsored by Vurori Get 20% off your first order at http://vuori.com/skinny.   This episode is sponsored by Taylor Farms To learn more visit https://taylorfarms.com.    This episode is sponsored by Primal Kitchen  It's easier than ever to find Primal Kitchen Pure Avocado Oil because it's now available at Walmart. You can find Primal Kitchen in Walmart stores or online at Walmart.com and http://PrimalKitchen.com. Produced by Dear Media

The following podcast is a Dear Media production. She's a lifestyle blogger extraordinaire. Fantastic. And he's a serial entrepreneur. A very smart cookie. And now Lauren Everts and Michael Bostic are bringing you alone for the ride. Get ready for some major realness. Welcome to the skinny confidential, him and her.

Hello everybody. Welcome back to another episode of the Skinny Competential, Him and Her Show. Today we have Haley Sachs, also known as Miss Dow Jones, on the podcast, on the show. She is a financial influencer and founder of finance is cool, making money topics fun and accessible for millennials and Generation Z. She uses humor, memes, and pop culture to teach investing, cryptocurrency, and money mindsets. Recognized by Fortune, adweek, and money.com. She also offers courses helping people take control of their finances. I love the topic of personal finance.

I think anyone and everyone can benefit from learning more about how to manage their money, how to make more of their money, how to save more of their money. On this podcast, we talk about the future of currency, AI. We talk about how to cultivate the next generation of millionaires, how to manage your personal finance, how to think about investing, and how to get the right mindset around personal finance. With that, Haley, Ms. Dow Jones. Welcome to the Skinny Confidential, him and her show. This is the skinny confidential, him and her. So I just need to know what the plan is if Michael dies. Yes.

What's the information that I need to get from Michael so I can feel just amazing in my second marriage? Okay, obsessed, obsessed. Yeah, you need, you need access. I'm probably going to outlive you. Just in case I need a sheet. True. Okay, fair. So we, that's a really good question. You need access to, you need to know where the bodies are buried, Lauren. Right. We need to know all of the accounts. Okay. We need to know all of the past. The best thing is to create like a shared space. Like it could be, I know someone who has a Google document with their family that is shared that has all of the information. Okay. Or you could. could put someone in charge of the estate who then could help you in that time and sort of act as like an in-between. Let me tell you what we have set up because it drives me nuts. I already know who to call Russell and David.

I already know that. I want my own sheet in Google Docs. It's all set up like that. You need to know all the passwords. I can't be grieving and be worried about where the bodies are buried. Lauren, it's so annoying because everything is dialed in for her, right? Because I'm a nerd on this. stuff we're going to nerd out.

Thank God. We have obviously an estate, in a trust. We have all the accounts. We're all joint. They all have access to everything. All of our stuff is. Color-coded Google Doc. We have advisors.

Emojis, maybe. Everything is written out and organized her. She just, and I try to show her where it is all the time and she doesn't want to look. Well, this is inspired me to get them. I think that I need to be part of the estate planning. Because if I, if you could call me, then I think I could get through. Okay. You know what I mean?

I actually would call you. Yes, as I'm saying, like you need, I will be the in-between. I will be there for you. We'll greet together, but also, like, I'll walk you through everything that you need to know. We'll make sure that we got our big life insurance pay check. You know, we're going to get. We'll time block the grieving. Oh, yeah, we can tie back the grieving.

We do it in the sauna, like whatever we need. Have it stack it? A hundred percent. Joking aside, I don't know if you saw this article. There was an article recently in the Wall Street Journal that said basically a guy, a husband died, the wife. And it took the wife a year to figure everything out and untangle all of the mess of finances. And it was like a total mess for her. I literally was reading that yesterday.

Yeah, it's so, I think there's nothing worse than when someone passes away and you're already, like death is so hard to begin with. So then having to add on top of that that you're so financially confused. I actually have someone in my life who just went through this, who lost their husband unexpectedly and had completely for her whole life had been with her husband since high school and had just trusted him with all of the finances, everything. And then he died and she had no idea what to do, was so overwhelmed by everything, was left with two kids.

And so obviously I helped her. And we set it all up and she's making progress and making steps towards taking control. But yeah, it's so much, that's why it's so important. Even if you're in a relationship where you're not both earning, like say, you know, it's a single income home. And you feel like, okay, whoever's earning, they can handle the money, that's not true. Because women outlive men statistically. You know,

we outlive men and we also are out of the workforce more than men because we're leaving for take care of our parents. We're leaving to take care of kids. Eventually it's going to catch up to you. That's like, so it was a hard financial lesson that I learned where I was like, ooh, I guess I just can't ignore this. How did you learn that lesson? It was, I had a financial, a money aha moment. I was working in comedy. I worked for David Lider. And then I worked for Lauren Michaels. That's cool. Yeah. And so Lauren Michael's job was like my first real full-time job because before that I was

sort of like struggling comedian. Like I worked at a Pilate studio. I babysat for a kid named Winthrop on the Upper East Side. Like I was doing paycheck to paycheck. That's a very Upper Eastside name. So I know. And he was so bossy. W-I-N-H-H-W-N-T-R-R-L-P.

And he was a Winthrop. Like it really fit him. It's a strong name. It was really, yeah. Write that one down. There will be a lot of Winthrops born from this episode. But, and then I got my first full-time job. And I wanted to do amazing because I was like, oh, my God, I'm working for like Lauren

Michael's. This is a dream, whatever. And they asked me all of these adult questions that I had, you know, been able to skirt until then. I was in my early mid-20s, 401K, health insurance, all these things. And I was like, sort of nodded and pretended that I knew. And then was like, you shit. Like I don't want to seem like an idiot at this job.

And so I went home. and I tried to, you know, learn and teach myself from the internet. And I found all these guys online who look like they had never been through puberty. And I was like, okay, I don't want to learn from you. And then, you know, advice that was more for women that just felt so like scarcity mindset, like literally someone telling me to wash my paper towels. And I was like, certainly not. Like, how can I, what is there that's going to make this feel like iconic and sexy and aspirational?

I wanted to feel aspirational to grow wealth, to budget, to take care of your finances. Like, who's that person? And so she didn't exist, so I became her. Yeah, you've made finance sexy, I think. I really think you have. And I love following your content because, funny enough, like, one of the things that I get excited about talking about on this show is personal finance. Because in my own life, early, it was such a stressor. And I was always decent at making money.

But then I realized I could never keep it early days. I would spend it. And so I didn't, because I didn't understand it. I think we do a really good job teaching people how to go work, how good a job, talking about like setting up a career, all the things. But they don't tell you what to do once you earn income. Yeah. And so a lot of people get stressed all the time because they're like, the money's coming in,

but where the hell is it all at the end of the month? 100%. And like that really is what separates the wealthy from the not wealthy. Like when you look at the stock market, 90% of the stock market is owned by the top 10% wealthy Americans. So like the income inequality gap is like widen so much just by people who know how to buy assets and to invest their cash versus those who are spending it. So just by using financial literacy, you can close that gap. I even think when you say the stock market, I can almost guarantee, because I was this at one point, that there's a healthy segment of the audience that has no idea how

to even buy a single stock or ETF. They don't even know what to, when you say that, it's like, How do you even do that? Yeah, but I have all of, I have like the most step by step. Like, I will walk you through it. It's so, yes, you are going to have to put in your social security. It'll take you 15 minutes to set up a brokerage. It's completely free. But then once you have a brokerage account, then you can start to buy stocks and buy index funds

and start, you know, having your money work for you. Because if you don't do that, then you. Let's digest this as a kindergartener because I'm going to really be a kindergartner. Yes. Let's say someone's listening has a, a hundred hundred thousand. hundred dollars. This could be 10,000, a hundred thousand, whatever, but let's just call it a hundred dollars. What are you doing with the hundred dollars to make money on that hundred? Okay, obsessed. So the first thing that I would do is I would look at their financial picture. So I would say,

okay, are you in a job that offers a 401k match? And what that basically means is like, do you have an employer who's going to match the amount that you put into your 401k? Got it? Check? So, like, it's free money, Lauren. It's like basically, it's like a two for one special. Okay, that makes sense. And so if that's available to you, I would say, the first thing that we got to do with

that money is take advantage of that match because it's the only time in your life when you're guaranteed in a hundred percent return on your investment. Okay. Okay. So then once we do that, I would say, let's set up. an emergency fund, a three to six month emergency fund, and we're going to put it in, I don't want to speak French, but we're going to put it in a high yield savings account,

which is the same as a regular savings account, but just exactly like it sounds like higher interest. So that means that your money, you're going to get a little bit more interest back for that cash. And you're putting how much of the hundred in there? Well, she's saying basically like, if it's three months, a three month emergency fund, it's like whatever your monthly expenses are,

three in a separate fund that you can, that's for emergencies. Got it. Exactly as it sounds, right? Well, basically what I'm trying to say is like, if you had $100, I couldn't give you a prescriptive financial advice for everyone with that $100 because we're all starting from different places. Got it. So like my first, so I'm sort of starting from the beginning, which is like if you do a 401k match,

okay, get that. Do you have an emergency fund? Okay, if you don't have an emergency fund, let's do you to see 100 for that. Okay, if you have an emergency fund, let's move on. Do you have high interest rate debt? does any debt above 7% interest rate? So do you have credit card debt? Do you have a high car loan? Then you would use it towards that because you would be, if you put, if you just put the $100 in the market, say without having an emergency fund. And then you got into an emergency and you needed that $100, you could need the $100 on a day where the stock market is tanking.

And then the $100 could be like $60. And then you would come to me. say, hey, you're supposed to be a financial expert. What the hell? This was $100. Now it's $60. Like, what are we doing? So we have to have the emergency fund just in case anything happens so we don't touch the money that we're investing. Got it. And then we don't want to have high interest rate debt because that debt could be, you know, credit card debt could be 25, 26%. That's so much higher than what the stock market returns. Stock markets may be like 8 to 10 percent, you know, overtime annually. So if you're paying 26% to borrow money, but you're making 10%, then you're... It's going to take you.

Yeah. Okay. Does that make sense? Yes, it makes sense. So, like, we have to follow it step by step a little bit. You know what? So is this weird that I never had a credit card until I got married? Is that weird?

It's not weird, but like, I'm so glad that you have... Can we unpack that? Like, why didn't you? I don't... I think that I just... I think maybe it didn't make sense. to me and I was afraid of doing something that didn't make sense. And so I just felt like make my own money and have a savings account and just use the money that I had.

Yeah. Well, I think in your case early on, it might have been a good thing because I feel like it was like a preventative is the word I'm looking for. A lot of people overspend on frivolous things on credit cards and then get stuck in this interest and debt that they can't get themselves out of because they over extend. Got it. What you were doing is you were using a debit card and use them. money that you actually that I had. Is that strategic or no? Well, different reasons. Michael and I are like, we're on the team. Yeah, because you guys are going to say I wasn't building credit. But also, you know, so you'll still get consumer protection. Like, have you ever like

bought, say you buy like a digital camera and you drop it in the ocean, but you bought it on your Amex? Then you can call Amex. And if as long as it's within the period of protection, they'll refund you or send you a new one. Okay, that makes sense. I did have a car, though, that I was leasing where I would build the credit on the car. Oh, I mean, that's true. Is that like similar? I, you should, credit is awesome. And it like, your credit score is basically like your financial GPA. Okay. So, like, without a credit score, I actually once went on a date with this guy who was 26. It was like the middle of winter. I met him on Raya. He was a photographer. I was like, okay, this could be so sick. Like, I'm going to literally have like professional Instagram boyfriend. Like,

he's a photographer. He's going to take amazing. pictures of me. So we're like, instead of winter, it's so cold, we're like inside at a bar, having a million drinks, whatever, like, vibing. And the check comes and he puts down a debit card. And I was like, oh, my God, like, Kaley, don't do it. Don't do it. Like, the bait's going really well. Don't do it. Why do you have a debit card? Like, what's going on? Like, why do you have debit card? Couldn't help it. And it was because he was, I found out, of course, you know, his parents never believed in credit cards. There were a lot of, like, financial experts for that generation who were, less like they didn't like credit as much. Is his dad Warren Buffett or something or what? Isn't Warren

Buffett? So you thought he was not intelligent for having a credit card? Like why, why is there a judgment around it? I don't understand. There wasn't a judgment. It was more when I poked the bear. I realized that there was like a lack of financial literacy and fear on his side around credit. That then I was able to help him through, which obviously the relationship did not go anywhere. But I did get a text the next day that was like helping him set up his first credit card because he had zero credit. So he couldn't have rented an apartment, Lauren. You go to go to, there's some, like if you want to work at J.P. Morgan, they're going to check your credit. Not that he wanted to work. There was a like, but there's a lot of, you know, employers who will check your credit

score. Like, this is an important number to nurture. And it basically shows that you are a trustworthy borrower. Got it. Like, if I give you $10, you're going to give me back $10. That makes sense. I got it. You know what? Learning stuff every day. Yeah. I mean, but I get like why you were scared, though, because it also feels like, oh my God, can I be trusted with having so much money available to me? I don't know that scared is the right word. I just didn't see the point of it if I could just make it work with the money that I have. But now when you're explaining it as your credit scores like your GPA, that maybe would have been a reason to get one. Yeah. And also like you can use your credit card like your debit card. Like you can still like spend within your means. Got it. Okay. And you can

get credit cards with low limits on them too. If you're someone who's like, oh, I don't want to have such a high because I don't know if I trust myself, you could get a credit card with a much lower limit. So let's go back with you a little bit. I know you grew up in a household where it sounds like your father was in the world of finance, but the money was not discussed. No, my dad never brought his work home with him. And were you in... It was like a Michael Jordan's daughter couldn't make a free throw.

Okay. Okay. So when did you become so interested in the topic of money and did you ever, in growing up, did you think it would be your career? Looking back, I was always obsessed with money, like always obsessed with how people were spending it and like shows like the fabulous life of and, you know, reading about celebrity money stuff. I wanted to know how people were spending their money, but I had no idea myself how to make it or keep it. And I think I had this magical thinking around it that kept me sort of relaxed where I was like, okay, I'm either going to hit it really big one day and there will be like this. one day in my head where that's going to happen that will separate me financially that then I

like make all this money or I'll marry someone who will take care of me. And then, you know, like that was really what I thought. And so and then I got to my 20s and, you know, neither of those things had happened. And I realized that what was sort of like I'd gotten away with like cute, funny, like oh, like money, whatever being flippant about it was no longer cute and it was actually holding me back and that I was also feeling like I didn't have ownership of my own life because I didn't have ownership of my own finances. Like I think that's something that's so important. Like no matter where you come from, if you're borrowing money from someone, say you have like a partner who's in control of your finances and you're sort of in debt to them or like in my

case, I had parents who are paying for a lot of things. Okay, I'm in debt to them or you could be in debt to a credit card company. Like when your money is not your own, then I feel like it really impacts your quality of life. Yeah. Yeah. How many people do you talk to that want to find a partner that just is a billionaire? Oh my God, everyone. Like, but I mean, billionaires are weird. So I think that there's like a bit of an issue there. What's happening with that? I know. Like we need to like figure out. They need to go to like finishing school. Yeah, rebrand. We're going to do like billionaire matchmaker. We'll get Patty Stinger back. Well, I mean, like think about what it takes from a mindset and individual perspective to become a billionaire in the first place. You're going to get some weird. You get some weirdos.

Wait, you're not going to be a billion. Well, listen, I'm kind of a fucking weirdo myself. Yeah, that's true. That's what I signed up for. Yeah, we need that. We need three comma club from you. But you know, though, what I tell people, I have two young sisters and I have a daughter now.

And I tell people is I understand that thought process of wanting to marry somebody that well off or be taken care of it. But that comes with the cost as well. Oh, of course. Yeah. There's nothing more expensive than marrying for money. And, you know, just going back to like, you know, just going back to like, your daughter, we are two times more likely to talk to young boys about investing and negotiating

and earning money than we are with talking to young girls. Like women are taught to play defense, but men are taught to play offense. And that really like keeps the, you know, keeps the wage gap huge, keeps the gender inequality huge. Like money, it really is power and freedom. And I think the sexiest thing is when both people are rich. Like, I don't want to be with a broke guy, but I also don't want to be spending someone else's money. We talk about this a lot on the show.

Like, if you're going to want someone with perfect teeth that has a perfect body that makes a million dollars a year, you better, you better do it yourself. Because you are what you attract. A hundred percent. So I agree with you. It's probably nice, I would assume, when you see a couple where they're both pushing the boulder up the hill. Like, you guys, we're trying. Yeah. But, you know, I think on that note, and I, and again, like, maybe my daughter will hear this one day, the cost I'm talking about is not even necessarily a financial cost. It's what you're talking about. It's a cost of freedom in a lot of ways. Like, when you're on someone else's dime, a lot of times they're setting the agenda. That's what I dealt with too. Like, it was so stressful. Like before I had financial freedom, I think my parents were, you know, you read so many studies about like, oh, you know, younger generations are living with their family or their parents are helping them.

out, like I was totally in that group. And, but it was so stressful and, like, really affected my relationship with my parents because I was always, like, sort of living in fear of, like, getting that text. What was that AMX charge? Or, you know, what was this? Or I just didn't have the, I couldn't do whatever the hell I wanted. And this is my big, beautiful life. I want to be able to do what I want.

I don't want to have to ask for permission. Money gives you that. My number one motivator my entire life around wanting to have financial freedom was so that I didn't have to beg other people or require. or need other people. I wanted independence. Like not, I didn't just want the money for the,

I wanted the independence. Oh my gosh. And Charlie Munger, before he passed, talked about this. I was like basically like, it's undignified in his perspective. And I think I've adopted that to have to be at the mercy of somebody else, right?

And have to kind of like beg, borrow, whatever. And so money gives, it empowers people. And, you know, a lot of people's relationships, some people have a relationship with money where they think it's evil.

I think it's bad or they, you know, they think that maybe you shouldn't pursue it as a, virtue, but if you look at it through the lens of it gives you independence and freedom, I think that's a, it's a healthy way to look at it. A hundred percent. And speaking of Charlie Munger, who was Warren Buffett, my boyfriend, business partner, RIP, he talked a lot about how the first 100K, like getting to your first, which I think would be really interesting for your audience because, you know, you have such

hustlers and people who are thinking so big and trying to, you know, create these amazing lives. That's why this show is like such a great resource. But so important, like this is one of the most successful investors of all time. And he said the hardest money that he ever made was the first $100,000 because that money is before money is really working for you. So like compound interest, like nothing is rocking and rolling. You're not like earning money on your money yet. But it also requires so many habit shifts. And you really have to like earn and save your way there. And so it's really important if you're starting just to know like if it feels really hard. Yeah, it is hard. But it's so worth it once you get there because then things are

going to start moving at an exponential pace. I always think about Taylor Swift where, you know, she is worth $2 billion now. It took her 33 years to get to her first billion, but she made her second billion in like the last two years just because when things start, you know, she had to grind. She's playing it outside of, you know, stadiums on a rickety stage, whatever. She's putting out albums every year. touring, she's whatever. And then once the system starts working for you, it's really easy to just grow, grow, grow. So it's the same thing with your finances. How important is your inner monologue when it comes to money? Because everything. Yeah, I think that sometimes I'll talk to, you know, someone I know and they'll be like, I'm so broke. I can't make money. And I, and

that's an affirmation. Oh my gosh. I know. I really feel that with people in my life too. where yeah it's your like your money mindset is everything and I think for women especially it can be hard because like like I said we're conditioned from an early age to be taught to you know just be grateful take what you're given save we're told that our purchases are frivolous like if a man is buying tickets to the big game or something we're like great you know he loves sports but like if a woman's like buy herself a purse you're like oh my god she's addicted to to shopping. Like, she's so frivolous. You know, the way that we see ourselves can be really negative instead of viewing yourself as this future rich person. That's why in the book,

the first part of the book is literally all mindset because, you know, your money beliefs are set by the time you're seven years old, seven years old. So that means like however you saw your parents dealing with money who you grew up with, that's still with you now. And it's okay if it's still there, but you have to find awareness to it and then be able to. able to choose an opposite action to how you would have otherwise reacted. Well, that's interesting that it's set by... I've tried to explain this to Lauren because, you know, on paper, people looking at, I guess maybe this platform or some of the things we've done now, like, most people would assume that, like, you know,

I don't worry about money, which is true. I don't, like, it's not a thing that I stress about a lot of these days. Earlier in my life and in my career, I was fixated and constantly stressed about money. And I had to like really, one, educate myself. and think about a lot, but what I realized, because I have two other sisters younger, that are never stressed about money. But when I look back on my childhood, I realized before I was seven years old,

my parents hit a rough patch where they were really struggling in the, like in the early 90s. A lot of people where my dad wasn't real estate. Yeah, yeah, yeah, yeah. And by the way, people have ups and downs. But I remember, like, you know, we had to move and they were stressed and my mom had to work really late, and like she was, you know, constantly stressed.

And I'm sure that I witnessed as a kid, a lot of that in the marriage, but just unknowing. Then when my sister was born later, they started to get their footing again and do better. And so, like, they were moving up. We moved to another house. And then when my youngest sister,

which was 10 years younger than me was born, like my dad had fully like recovered and did very well and built a house and moved and very strong financially. And what I realized as an adult was the reason all three of us have a different perspective on money is because we all before the age of seven had different experiences based on what our parents, the stage of financial well being our parents were out. That's so interesting.

I didn't understand it until later. I'm like, why am I always stressed? Like, yeah. It's because my conditioning as a kid was like, there's not enough. There's not enough that we're, you know, we're cutting back that like we can't do this. We're stressed. Like that's so interesting. And then with my sisters, it was like, okay, we're fine.

We have enough. And then my other sister was like there was abundance. Yeah. And so like they just, their perspective on money was completely different all three children, but coming from the same household. That's so interesting. This episode is sponsored by Ben. Better Help.

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4.9 out of 5 for a live session based on over 1.7 million client reviews. That's incredible. So check them out. BetterHelp makes it easy to get match online with qualified therapists, sign up and get 10% off at BetterHelp.com slash Skinny. That's BetterHELP.com slash Skinny. I have changed and transformed my hair and it has been quite the journey. I used to have a lot of hair shedding. So I would wake up in the morning or come out of the shower and there would be just shedding on my pillow. And I wanted to take my hair to the next level. So a couple of things that I did. I started eating a lot of organ meat because it's rich in amino acids. I started micrneedling my scalp. I started doing scalp massage. And I really looked at how many times a week I was washing my hair and

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Most of you may be familiar with it as a credit monitoring service, but did you know they also have a plan and a platform that can help you cancel unwanted subscriptions? The Experian platform can help you cancel your unwanted subscriptions and save your hard-earned money. There are so many different subscriptions out there, whether it's an app or a streaming service or something you signed up for that you weren't aware that you signed up for. There's just so many things that get billed to us. Again, taking your hard-earned money right out of your pocket, and it can be really for

frustrating, but not any longer. Experian can take the pain out of canceling subscriptions by handling it for you. Just keep the ones you want and put money back in your pocket. And did you know over 200 subscriptions are cancelable or negotiable? Again, get that money back in your pocket or negotiate a better rate. And also, like I mentioned on the negotiable, you could save money by letting Experian negotiate your best rate. They'll keep an eye out for new deals and savings opportunities and will negotiate directly with your provider on your behalf. The best part, you keep 100% of your savings. We talk a lot about personal finance on this podcast. One of the things that we have to get under control is our spending, making sure that we're not wasting our money, making sure that it's going to the

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Not all bills or subscriptions are eligible. Savings are not guaranteed. Paid memberships with connected payment accounts are required. See Experian.com for details. How do you look at children who grow up with money versus children that don't grow up with money? Well, I think that it's more what the parents bring into the home because, like, you could, you know, abundance is not just a number. love, it's, you know, having food on the table, it's feeling warm and safe at home. Like,

someone listens to you. Like, you know, that's what I, I love money, but I really believe that wellness is having balance with your finances, your mental health and your physical health. And that like all three, maybe not all three at the same time are all going to be popping, but you need to focus on all three in order to like find your groove. And so I think that like you could, you know, you could meet children of very rich people. people who have scarcity mindset just because of how their parents were acting or what the vibe was in their house. So it's really more about how you were raised versus what you have. At this stage of your career and with the platform you've built, what is the most common thing people are

coming to you with or problem or issue? What are you getting the most messages about? Well, I think the thing that I got the most messages about and what people are most concerned about is like this idea of this broken American dream. You know, we were raised by parents by a generation where, you know, in the 80s, for example, you could buy a house for three times your annual income. And now that number is closer to seven times your annual income. The cost of child care has gone up so much. Inflation is so high. The average student is leaving college with like $30,000 in student loans. So prices have increased so dramatically, but wages have not kept up. And I think that the biggest question that I get is like, what now? What do I do? Like, am I helpless? And that goes back to the money mindset thing where you're sort of wondering, like, there's this feeling of I shouldn't even try because I'm already so it's already, the system's so fucked. And that's a really dangerous mindset to have because there's actually a lot of things that are great about being alive right now. Like for example, we have our phones. Like there's a democratization of financial literacy and financial services that

no other generation has ever had where you can go online and you can learn how to grow wealth. You can open a brokerage account and get your money to work in the stock market. You don't need to have someone between you and that. There's less friction. And so I think that the biggest concern is like, you know, is the system so messed up that I shouldn't even try? And then the sort of the antidote to that is like, let's look at what's actually going really well for you right now. So what do you tell them when they come with that perspective to help them maybe see a different perspective? Well, I would, I mean, just like what we have available now is so different than those generations,

but also that like you can either believe that and stay exactly where you are for the next year or you can try to start to take action and move yourself forward. And this is the same with anything in life. It really is making progress on anything in life in your career, in your physical fitness, and your finances, anything is just all about mindset and believing yourself and having the will to do. And that's what I always say to people who are like, oh, you know, because of you, I did this or that. I'm like, I didn't do anything. Yes, I gave you the financial literacy, but you took the action. That was actually, like, I take no ownership over any financial wins that

you've had. Those are yours. It feels like it starts with accountability, too. If you're blaming the system, I think it's time to look at yourself. 100%. And it's not to say that the system is not really, really hard. Like, people are in such hard situations right now financially. Like, we can't discredit that. But, like, you have to believe always that you have the ability to change your life. Or I think that life becomes so overwhelming and you just, you know, you're not going to make any progress.

You mentioned off air. I think you talked about creating your own future. If someone wanted to create their own future, where could they start? always, and this goes for anyone, like, start with a money date, which is a set time every month. Like, think about it, money is a relationship. If you were in a relationship and you never went on a date and you ignored that relationship, but you're always talking shit about that person and you were like, you know, like living in fear of them, you'd be a really bad relationship.

So the first thing is to have a set time every month. And this really was like a keystone financial habit that has made me a millionaire, sitting down with your finances and looking at your finances, taking inventory. And this actually, I think, is a great use of AI. Like, we can talk a bit about how people are using AI with their finances, yes, because it's good and it's bad. But I think that one of the pros with AI is that it's so great with data analysis. So, like, when I started my money dates, like, eight, you know, 10 years ago, I was basically doing everything by hand, putting, it was so arduous, like, truly the, I dreaded it every month, but I forced myself to do it. But now it's so much easier. You could just put in your

bank statements, your credit card statements, and it'll analyze the data for you. And so when you, like, what are some of the prompts you're giving AI to help help you figure out money? So like you could put in your credit card statements and your bank statements and then ask it to compare your current spending to the 50, 30, 20 budget, which is like a really good sort of baseline for your spending where you put 50% of your money into needs, 30% to wants, 20% to future you. So you have to have a little fun putting some away and you're also making sure that you're like taking care of your rent and everything like that or you're buying or your mortgage or whatever. And so you could ask it to break it down for you and you could see how far off you are from that, from those ratios.

And then you could ask it, what are some easy changes that I could make next week or next month, next month to improve those ratios. And, you know, I'm really big on negotiating. Anything is negotiable. And so you can negotiate your credit card interest rate. You can negotiate your phone bill. You can negotiate your cable bill, whatever it is. And what I love using AI for is making those scripts. Oh my God. That's genius. So you're using the script from AI to negotiate. Yeah, yeah. Or say, write me an email. Perfect. Let's do a quick pivot into negotiating because we were prepping for this podcast as we do with it. And it's not just us. We have the team. We all get together. and we have the whole team, which is primarily women, ask, like, you know, what would people be interested in?

And we, towards the end of the call, we got on the topic of negotiating. And I said, like, I negotiate everything. Yes. And what I also pointed out is most people, most people that I've dealt with, the wealthiest people are always negotiating the hardest. And it was like, I saw there was like a moment on the call where people like, wait, you can negotiate. And those people. And I think it would be interesting for your perspective to talk about this because I think a lot of people don't even realize they can in the first place or that they should. Yes, 100%. You need to be negotiating everything, but especially your salary. And I think that, you know, the first step to negotiating is having data and understanding like why you're, why you should be able to get what you want. And so, you know, if you're negotiating a salary, I always say, have a WINS folder at work throughout the year so that you

are, yeah, so like whenever your boss is saying, oh, you did this great, you know, or I increased the newsletter by 30% subscribers or, you know, our revenue grew this much, put it in your wins folder so then you can be like receipts, timelines, like come right in and clock them with all the things that you did well. So they're like, damn, this girl is fucking fire. Like, I need to keep her. How much does it cost for me to keep her? Because where, who am I going to find that can do all this? So you got to have that wins folder. And then you also got to know the market data. So in this, you know, you can find this. You're using AI. You could use LinkedIn. You can use Glass Store. Figure out how much other people are making in that position in similar

roles so that you understand sort of what's reasonable. And then I would say it's also important to know, like, when you're going to negotiate. Like, you don't want to negotiate at 6 p.m. on a Friday when, like, someone has their son's birthday party right after work. They're trying to run out the door. You want to negotiate when the company's doing well, when you are in a good position, when they know they have the time to have an actual meeting with you. That's really important. You don't want to spring it on them. Make sure that you tell them in advance. And then, you know, I think this is another great use of AI because people get very anxious about negotiating, especially women. That was the theme on the call. I saw a lot of anxiousness. Like some of the comments were

Well, they think you're going to get mad at them. They're like, you know, or they're intimidating. Yeah, intimidating. Or I'm going to do it wrong. Or like, you know, I like my job. So I don't, I don't want to lose my, like, you know, don't think because I'm asking for more of this means I'm going to leave. like, you know, apologizing, but this is what I'm saying that women are taught to play defense and men are taught to play offense. And that's what helps, you know, keep this huge wealth gap. And so it's very, you should also know it's very normal to negotiate. Like, I think it's important. Like, I'm a boss. I have a team. And like when I'm hiring someone or when I have an employee who's been with me for like a year, it's like a red, it's a green flag for me if they negotiate.

It is a red flag when I interview someone and they take the salary at face value. I'm sort of like, do you know who you're working for? Like you got to play a little hardball. So what do you do? Well, you know, it depends what kind of who the person is. What the, you know, I wouldn't say to them in that moment. Because, you know, you're trying to get a good deal. I'm still running a business.

If someone wants to work for me for that amount of money, buy it, I'll take them. But like I, you offer the salary thinking that they're going to do. Yes, yes. I always like, so I'm saying I'm going into it. It's like sort of like, you know, you go to a restaurant and you expect them to say, do you want, you know, certain restaurants sparkling or flat water. If you're negotiating, if you're hiring someone, you expect them to say, well, actually, this is how much I want.

But I love that you said show up with receipts and data because as employers, I, and this may sound harsh to people that are in this position and want to negotiate with their employer. When somebody shows up and wants to negotiate for a higher salary and the only thing they have is I've been here for X time, that's not a good enough reason to start a negotiating process. I know that feels riddled in entitlement. Well, it also, I think some people think because they've been somewhere for a certain time that the company is then obligated to continue to pay more and more. And it's, and maybe people won't say this, but it's not the truth. But if you show up and you say, look at all the value that I've added that has benefited the company and here's X, Y, and Z examples, I think as an employer immediately, you're like,

wow, this is somebody who really cares and is providing a ton of value to the company and making it more valuable. So we've obviously got to peel off some more resources. not just like, I'm here clocking in the time and I'm here. A hundred percent. Yeah, I think that's such a good point. Like, you really have to, like, I had a rule when I worked in corporate that was first one and is the hottest.

Like, I think you have to be good at your job and work really hard at your job to be paid more. Like, first one is the hottest. Work hard. Show up early. Like, go above and beyond. Like, that's, we are in a buyer's market when it comes to talent. There is a lot of unemployment in this country. There's a lot of talented people who are looking for jobs.

There's a, you know, there's, it's not the same, same world that we're living in as people, like, who are hiring people. And so, you know, you have to show up and make sure that you're adding value and that you're, you know, that's the first step to getting a breeze is being good at your job. I think the energy of that's not my job either is, is a tough one too. I think as the boss to me, everything's my job. And I feel like when people are. Yes, everything's scrappy about it. Like, like, Ariel and I were talking, Ariel has been my photographer for 10. And I feel like, I'm a lot of 10 years, which is crazy. That's so crazy. You've done a great job. She's amazing. She's amazing. She's documented everything. Oh, my gosh. I love that. Oh, she's such a finance girl. I love that. She's like so into finance. Okay, that's so good.

And she was talking about how every single job that she approaches, whether it's with crypto, because she's a lot of crypto or with what she's working on as an entrepreneur or with photography, it's like she just assumes everything's her job and she'll do everything to help. And it shows she's been with me for 10 years, you know, you see that in a person. The energy of that's not my job. That's not what I would advise people to do. I think like the truth of the matter is like you can have whatever attitude and perspective that you want. But you have to decide like what is going to get the right kind of attention that you're looking for and what is what is going to entice the employer to invest more in you.

Right? Like if it's like I'm here. and I'm doing what I'm paid for and that's all I want to do. Great, fine. But if you're competing in the workplace with other people that are like, what else you got for me and I'm ready to go, then like that's just what you're up against, right? Yeah. And so when you do these reviews, I think people,

my thing is people can do whatever they want and behave or whatever they want and earn whatever, like all that stuff. But you have to be realistic about your competition and what's going on. And you also, to your point earlier, have to be realistic about the position that the world's in, right? Like, you know, during COVID, it was really hard to find people, really hard to hire. Yeah, right now.

Right now there's a lot of layoffs going on. Yeah, yeah, yeah. What investments, let's get down to the brass tax, are really good investments that people wouldn't think like bags. Well, I think I usually- I feel like my head, then. I love this. Well, can I add one thing on the negotiating thing? Please.

There's another good thing to know when negotiating is your bat anna, which is the best alternative to the negotiated agreement. So, like, if you go in and you're like, ooh, actually, we can't do raises right now, then you can actually ask for like a higher or you could ask for more days at home. You could ask for a different title. You could ask for them to pay for your courses. You could ask for all these other things besides more money. Obviously, we want more money. And then I would say if they say no, say, well, what do I have to do to get more money? And that's now your KPI. And if you then hit that KPI and they still aren't giving you a raise, then it's time to leave. But I don't forget about Batna because there's other things that you can negotiate for besides just cash. Really good tip. Yeah. We need to hit the Batna, girl.

Really good tip. Yeah. The Batna. Batna. Batna. Batna. Okay, so we need to talk about the bags. Yes, let's talk about bags. Listen, I'm happy to talk about these. But I think for this, I think like, you know, listen, when you start to get into alternative, why I never like really get into like alternative investing on this show is I think there's probably people that are better and more, like Scott Galloway was on yesterday. Love him.

He can talk about that better than I can. But I think foundational, what I realized doing this show for as long as well, like most people just don't have the basis. just don't have the basics. They don't understand how to set up the basic things that are going to set them up for success. And I couldn't agree more with you that like that first 100,000 is so miserable. It's such a hike. It is so stressful. But after that, things become a lot easier. A hundred percent. Yeah. I always say with your investment portfolio, like 90 percent of it should be super boring. Low cost index funds. Just like I, you want to have a fabulous life. You don't want to be average in your life. You don't want to have average hair or vacations or family or relationships or

whatever. You want to live fabulously. But for my, or at least for me, I don't want to have an average life, but I want average investments. I'm like, please give me average because I think that the moment that you start to look for not average is when you get lost in the get rich quick, quick sand, which then can lead you to actually losing a lot of money. That being said, I think that if you have an interest in something, like say you are really interested in bad. Like I love secondhand luxury handbags. I've taken trips to Japan to Paris, to Milan, to source rare bags. And I have not sold them because they're part of a collection, but when I run the numbers online,

which I always do before I buy them, yes, they are valuable. That being said, are they liquid? No. They, I would have to find the right buyer to buy that bag. But I would only ever put five to 10 percent of my portfolio into those more risky investments like a crypto or Birkins or wine or whatever your pleasure is. And then I would keep the rest of it really simple. I think that's important for people to hear you say because, you know, you read all these stories about somebody investing in a startup that goes to a billion dollars or,

you know, somebody invested in Facebook early. Yeah. But you hear very rarely about all the ones that go bust. And in my experience, in those things, most of that. Most of them go bust. Yeah, yeah. You have to be able to never, that should be money that you're okay to say goodbye to. like money that you're like, you know, the cost of doing business money. It's just like, you know, money that you could live without. But the other 90%, that's money that we want to hold on to and that we're growing. And you also don't even need to have that 5 to 10% of risk taking money. You could be 100% just in low-cost index funds, keeping it average, looking for those 8% to 10% returns.

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I am someone that has a bowl of meat every single day. I do not miss a day without my bowl of meat. And I love ways to make it feel fresh and new. And so I have been doing a burger bowl. So what I do is I take the meat and then I add Taylor Farms Avocado Ranch. It's like the best chop kit ever. So what I'll do is I'll add the chopped kit to my. meat and then I'll put a little cheese, a little sliced tomatoes, some raw white onions, even

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So much time these days is spent wondering what's in the food that we're eating, what's in the ingredients, what's in the sauces, what's in the condiments. With Primal Kitchen, you never have to worry about that because Primal Kitchen is made from real food for real food. So check them out. They have such a wide assortment of products outside of their pure avocado oil. They also have a great ketchup. They have great salad dressings. They have everything you need in the kitchen to make home-cooked meals taste even better. It's easier than ever to find Primal Kitchen Pure Alvacotta Oil because it's now available at Walmart. You can find Primal Kitchen in Walmart stores or online at Walmart.com and primalcitchen.com. Enjoy. Do you guys hear that? That's fresh, new skinny, confidential drop. Okay, this has been something that I have been working on for the last year. Introducing face towels. Your skincare routine has been reimagined once again. There is no more using

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This is the travel size. It's like a little box that you can throw in your makeup bag. And then we also have the one that can sit on your vanity. It's a box that you want out. It's so cute. It's baby pink. and I should tell you the towels are shaped like a doily. So that's fun too. Go to shop skinnyconfidential.com to grab your face towels today. When you get presented with decks, I'm sure you do all the time. You guys do a lot of, you've been doing some investing in companies. Yeah.

We do it, but again, to your point, I do it either because, or we do it because we're either very interested in the sector. We're doing something for, you know, the greater, like if your media is doing something, like maybe we're investing in one of the talents businesses. Yeah, yeah, yeah. We're doing it with dollars that we are completely at peace with parting with me. Obviously, we don't want to lose them. No, no, of course, but your life will not change because of that.

Your future will not be affected. And what I tell people is we've covered the basics first and the boring stuff. And, you know, you're not betting the farm on something that could go belly up tomorrow. 100%. I just think people need to hear that. Oh my gosh. Like I was obsessed with, or I still am obsessed with farmland. like I really because like Bill Gates owns the most farmland in America like I'm like okay

land is like this amazing resource like land and water I want to be investing in land and water and so I did all of this research on farmland and it's like actually about it like it's not not amazing investment like it's like okay you're maybe going to get like overtime like 7% back I mean this is not as crazy as talking about like a burkin where you see the crocodile burkin that you know then goes for 300% more five years later but what I'm saying is like But if I did invest in farmland, it would be the sort of thing where it would be with that five to 10 percent just because I'm passionate about it versus because I think that this is how I'm going to really hit it big.

And I also get really jealous of those headlines. Like, of course, we all want to be early. Like, that's like my biggest thing that I tease myself with. Like, oh my God, like 15 years ago, like what would I have done? If I knew, if I could go back in time now. Like it's such a fun question, but it's also really annoying because it's like hindsight is 2020. What deck impresses you that comes across your email?

I think, well, I'm always looking for financial services, right? Because it's like I really love what I do, which is connecting with people and helping them feel empowered with their financial literacy. And that is like more than a full-time job. Like I have a big team. Like we're doing so much just to get the content out there. So like I don't really have the infrastructure in-house to build the solutions that I think would really help people. So when I look at Dex, I'm looking at is this a product that's going to solve a problem and make it a lot easier for people to be financially successful. So that's what you invest in if it comes to like a creator or like a grassroots company. Yeah. I mean, look, I would love to, well, my worst investment was during the pandemic when I became

obsessed with powdered coconut water because I was doing Tracy Anderson for like three hours a day and I was so dehydrated and you couldn't get coconut water anywhere. So I became obsessed with Laird Hamilton's coconut water. And then I realized. is that it was a public company. Laird is public. And I was like, okay, I'm so freaking early on this. Like, this is going to go to the moon. And I put all this money in it, and it has gone to zero. And so, no offense, because I know on your network. But I love the product, but like, there was an investment. It was not great. But I got lost in the sauce. Like, I sort of just, I did no research. I went completely with my gut. And I gambled. And so, you know,

it's also what I'm looking out with the deck is do you have the fundamentals. because I have like, I'm the most impulsive, like, like, you know, stars in my eyes person. So I have to ground myself with the systems that make it so I won't just throw away my money. What, Tracy Anderson, three hours a day? I was very slow at it, Lauren. So it wouldn't say that the whole time, you know, she's working really fast. It's like maybe you're pausing. You're, you know, getting a little water.

Nothing else to do. I've never taken her class. Do I need to try her class? I actually had to get knee surgery after doing that. So I would say I'm not the biggest proponent for it. But stick with the peeve-all. What a review. Yes.

Okay. It was a whole, I crashed and I burned. If somebody is listening or watching and they want to future-proof their investments. They want to be a future rich person. They want to be a future rich person and they don't want to stress later in life. Yes. What are the three things you're telling them? Okay.

One, you have to have a money date because, okay. like Rihanna. Rihanna was when she was 16, she was, you know, I think she was on her Ponda replay tour. She was making so much money. And she was like one of those, she, you know, had no financial literacy. And I think felt like, okay, money is not for me. I'm going to do what I'm really good at, which is making these bops and dancing and see my fans. And then, you know, I think someone at Rock Nation, which was her label, set her up with accountants. And she was like, cool, I can trust them. And so then, and she was never looking at. And anything, no bottom line. And then she got off of the tour and she tried to buy a house. She didn't have enough money for a house. And she was like, how do I not have enough money for a house? Like, I am Brianna. I've been on tour. I did a world tour. Like, this is crazy. And upon digging, realize that those accountants had been completely frauding her tax fraud, taking huge percentages, you know, the whole shebang. And, you know, it's a happy ending now is a billionaire. But I guarantee you, Rihanna signs their own checks. I guarantee you that having, you know,

that Brianna is having a money date, that she is keeping an eye on her bottom line. Because what you do not track will not progress. And if you don't have an eye on your bottom line, someone else will. So number one, it doesn't matter how rich you are or, you know, where you're starting from. You need to have systems in place where you're able to review your full financial picture. Lauren, we're going to have a money date now? Sure. And by the way, it's normal for it to suck. No, no, no, I'll have a money. I think you're being a little funny to me because I have a money date every single month, twice a month. You have a credit card review. view date. No, no, no, no. With my product line, I watch the money like a psycho. Yep.

With my team for an hour twice a month. And then I have a weekly money date. I'm not going to put you on blast because we're going to, I'm going to get my bookkeeper or something. I'm going to get to attack. No, this is true. We won't hit me, but you'll pinch me probably. I have, that's the money dates I have. But with a straight face, with Ms. Dow Jones straight across some you, could you say that you're perfecting your money date right now with me? Not. Okay. This is the truth. The money date, I don't do a money date with Michael. I do one for my companies. Where are our personal?

By the way, the companies are doing great. By the way, you could just, like, you don't have to give too many deals. Where are our personal checking accounts? Oh, fuck you. That's a problem, right? Well, it's far about my chase. Yeah, no, we are going to give me the information that when you die, Laura and I are going to take over.

But that is, we just could do a money date to just review where things are. Okay. We're going to do a money date. I'm inspired. Money data is good. And then the other thing is you need to invest. You got like we talked about how, you know, 90% in stock market is owned by the top 10% wealthiest people. That is what separates someone who is a future rich person versus not is someone who and who can stop working eventually is you have your money working for you. So you need to buy assets. I think it's so like important what you're talking about because again, like money is a relationship. it's a huge stressor for people's life.

Whether you like reviewing money or not, it will affect you. And I think one of the things you touched on is many people that are good at earning money have told themselves that they don't like money or talking about money, so they just don't look at it ever. Yeah.

And I think that could be very problematic. Yeah, and it's like you could be, it's like, you know, there's a famous janitor who died with like $8 million. And then you'll see like, oh, someone who is earning so much money who dies with nothing. because it's, you know, or it has debt. And it's all because just of financial management. Like,

financial management actually matters even like, it's as important as how much you're earning. Like, you can't, you need a delta. You need to be making money. That's important. But, you know, if you're not managing it correctly, then you're never going to get rich. If someone wants to do a money date tomorrow, what's, is there like a system exactly of how it should be run? Absolutely. Okay. So the first thing is like, know that it's okay to not want to do your money date. Like I do money deed every month and like sometimes it's like going to the gym. Sometimes I'm like, go to the gym. And then some days I'm like, are you like getting to go to the gym?

Like I would rather do anything else like procrastinating gym, whatever. But you have to put it in your calendar and actually stick to it. And this is a great place to like use community support. Like when I started doing my money date, I would do it with my best friend. If you have a partner, you could do it with them. Like I think this is a really good thing to like tag team. You know, even if you don't want to talk about your money with them, just sit and do it with them. Then you're going to go through all of your bank statements, your credit card statements, and your account balances and look through them.

Like I said, this is a great place for AI. So you could have it, organize it to your needs and your wants and to your like future you fund. So you can review that. And then see like what is your, what story is your money telling you? Like what are you spending a lot on? And do you actually value that? Like, I think that was a lot, too, what I noticed when I started to review my finances was, like, like, I hate delivery sushi. Like, okay, do you guys have sugar, we have sugar fish now in New York, too. Like, that's a good one. They're not in my delivery zone. I'm in Brooklyn. But, like, you know, most sushi delivery, they'll get you. Like, that's, like, that's like going to be, like, with fees, so much money. And it's like, it's ever as good as just going to sit there. So, like, little things like that where I was like, or, you know, subscriptions that you forget to cancel. Like, Disney Plus just got me. And I, you know, email them two days later and they refunded. it, but it's like, you have to keep an eye on your finances. So, you know, looking at those little

things, I also think the money date is a great time to return packages, you know, all those little things. Open your mail. So annoying to open your mail. This is your time to do it. And when are you going to do it otherwise? Or I'm going to be like, wake up and be like, I want to open all these bills. No, you have that set time. And then if you get them throughout the month, put them aside and then you can look at them there. Lauren shovels all the mail, even her mail up into my office and leaves it all in a pile. No, what I do is I take all the mail, even stuff to be. and I put it on the stairs. The mail is tough.

I actually don't like opening envelopes. Nobody does. Who's like, I can't wait. So true. So that's why I put it on. I'll go through it with you, though, once a month. I'm down to do that, a money date. But the money date cannot be like you bragging.

Like, it's got to be like, it's got to be. No, you can't shame her. Like I think that's it. No, he doesn't shame me. Yeah, yeah. there's no shame. Here's the thing. I think for couples out there that share finances or working to build a financial life, I think there's typically somebody who's further along. Yeah. Right? Like that's usually how it is. And I think it's a good idea as a couple to just like

sit and bond over that and do it in a calm way. Because I think again, in relationships, it's a huge stressor in relationships. Oh, it's the number one thing that like people fight about the number one reason for divorce. It's like, you know, and that's what drives me crazy too about like online content where it's become this like really funny thing for funny thing for people to make couples content about like me ask it like let like let's prank my husband and I'll tell him that I paid the mortgage or like you know like I seen those yeah yeah just like these where women are like making fun of being like so financially reliant on the man and then sort of like positioning themselves as you know so disconnected from the household finances that

it's a joke. It's not funny. I don't think it's funny either. I think that this is one area of my life that I would love to like really get control over. I don't think we have a lot of issues. I don't, if someone was asking me like off or on air, I don't think we have issues with money. I don't find that we fight about money. In our marriage with ourselves. No, in our marriage. There's no like, there's no tension. I just would like to have a lot of control over it. And then what would you like, what would you do? You just want to know like where everything is. I don't want to be ignorant to it.

Yeah. I don't want you to be either. Yeah. I know exactly what's going on. It's like such an easy fix. Yeah. Like truly. But it's,

it's, I heard it's the number one reason for divorce. Yeah. It's financial issues in couples. And again, I think what we're talking about here is it's very like you can, it's, you could figure this stuff out with a couple conversations and just getting people on the same page.

And for couples, you would think that you want to do better together and you want to save and invest more because if you're into spending, it's going to create an opportunity for you to be able to spend even more in the future, right? But also, who you marry or her you partnered with is like the biggest financial decision that you will ever make in your whole life. Because, you know, in most states, when you marry someone, you're also marrying their debt, too. So if you're marrying someone who is coming in in a bad situation, and some people get married

and they have no, that's why I think prenups are so important. Not even because, you know, one person has so much money and the other doesn't. You want to protect it. Yes, that's part of it in some situations. but it's also just a great way to go in with complete clarity about each other's financial situation. It forces you to sit down and like bottom line your net worth. Say here's everything that I'm working with. Here's everything you're working with and you have complete clarity. You'd be so shocked at how many couples never do that. And then if you're not in the rhythm of talking about money,

then, you know, it does become this thing where you start to resent people. Like I do on Instagram, We'll put up a question box about financial secrets. So many of the financial secrets are about people hiding money from their spouse, people being really upset about how their spouse is spending. Like, just it's really interesting. You could get ahead of it really easily just by, you know, communicating. Should you sign a prenup? Yes.

Everyone. Everyone. Doesn't matter. So even if you go into the relationship with no money. Yeah, because you could earn a lot of money in it, first of all. But also, who you marry is not who you divorce. So you want to get on really, it's like you wouldn't go into a business deal without having a term of contract. And if you don't have a pre-up, then you're leaving it up to the state to decide if you got divorced, what's going to happen.

So wouldn't you rather like write your own pre-up? Yeah, no, it makes total sense. Well, I think sometimes what happens, though, is somebody will get with someone, man or woman, and one person is far along financially, the other may not. And then they're offended that the person wants them to sign a pre-up. because like, well, don't you know. But that's a red flag. Like, I love Kelly Batsamone from Roney, Real Housewives of New York when she was like engaged to that guy and she went on Ultimate Girls trip and was so excited about him.

And then they were like going to get married and she pulled out because he wouldn't sign a pre-up. And I was like, that's my girl. Because it is a red flag. I'm like, because he wouldn't sign it for her. Yeah. And she's like, you know, does all this real estate, whatever. It takes care of her daughters.

Like she's like, I'm not, I'm not doing this unless we have a pre-up. Yeah. on my second marriage, I would for sure have him sign a pre-nup. I would be like, you're signing this. I totally agree with this. Yes, you would need it for second. I would insist if it's your second marriage. I make sure that flows down to our airs and our children. That's true. Can't have some scumbag coming in at the last minute and swooping up all the loot. Where can everyone follow you to get financially strong? Well, I just launched my podcast. It's called Financial Tea. And you can find it on all podcast platforms. So come join me there. I go through all of a

the hot financial topics and also I'm interviewing really interesting people. So it's a great way to just pop in earbuds and feel financially literate. And then I also have my book coming out in May. Thank you. Tell us what it's called. It's so cute. Future rich person, the new rules for building wealth, even if you are stuck, broke and that billionaire will not text you back. Congratulations on the book, the podcast, everything. At Ms. Dow Jones on Instagram. Thank you so much for coming on the show, Haley. That was so good. I'll report back to you about the money date after. I'm doing a money date. No, I really am doing a money date. Space time me yet. Well, I just got my money date on the calendar. Make sure it's

in green. Learn it, live it, love it. Thank you so. Thank you. Thank you, Haley. Stay rich. We love it.