It’s that time of year again where the sales are endless and spending can easily run away from us. Trying not to let this year get out of hand? Listen for some tips on how to improve spending awareness.
To send in your question or share a comment, send an email to Charlotte at walletstreetpodcast@gmail.com.
You can also join the Wallet Street for Women group community chat by emailing Charlotte at walletstreetpodcast@gmail.com to be added.
You can follow me, Charlotte Guy, on LinkedIn for more confidence building money insights or subscribe to the newsletter at walletstreetpod.com/subscribe
Listen on Apple, or Spotify.
Disclaimer: Opinions are my own. The content on the site and in the podcast do not constitute financial, legal, accounting, tax, or investment advice. Content is for educational purposes only. Past performance is not a guarantee of future results.
I answered a listener's question around how much is needed to start investing. You might be surprised by the answer. Listen to learn how to think about starting investing
To send in your question or share a comment, send an email to Charlotte at walletstreetpodcast@gmail.com.
You can also join the Wallet Street for Women group community chat by emailing Charlotte at walletstreetpodcast@gmail.com to be added.
You can follow me, Charlotte Guy, on LinkedIn for more confidence building money insights or subscribe to the newsletter at walletstreetpod.com/subscribe
Listen on Apple, or Spotify.
Disclaimer: Opinions are my own. The content on the site and in the podcast do not constitute financial, legal, accounting, tax, or investment advice. Content is for educational purposes only. Past performance is not a guarantee of future results.
There’s only 8 weeks left in the year! Does that induce panic? If not, don’t fear. This episode, we talk through how to not give up on those financial goals we set for ourselves in 2023 and how we can still accomplish some of them. I’ll walk you through some tips and tricks on how to prioritize those money tasks you’ve been meaning to tackle and how to actually get them done before the end of the year.
To ask a question or share a comment, send an email to Charlotte at walletstreetpodcast@gmail.com.
You can also join the Wallet Street for Women group community chat by emailing Charlotte at walletstreetpodcast@gmail.com to be added.
You can follow me, Charlotte Guy, on LinkedIn for more confidence building money insights or subscribe to the newsletter at walletstreetpod.com/subscribe
Listen on Apple, or Spotify.
Disclaimer: Opinions are my own. The content on the site and in the podcast do not constitute financial, legal, accounting, tax, or investment advice. Content is for educational purposes only. Past performance is not a guarantee of future results.
It’s Halloween! And it’s an excellent time to try being your future self for the day. We go through how to define your future self and how they deal with money. Afterwards, we talk about how Halloween can be a day to encourage stepping into the shoes of your future self. If you were to be your future self, how would they deal with a bill that comes in the mail? What would they spend their money on? Having this north star can help guide your money decisions and habits.
For more money insights, follow Charlotte Guy on LinkedIn at https://www.linkedin.com/in/charlotte-guy/ or subscribe to the newsletter at www.walletstreetpod.com/subscribe
Email questions and comments at walletstreetpodcast@gmail.com.
Disclaimer: Opinions are my own. The content on the site and in the podcast do not constitute financial, legal, accounting, tax, or investment advice. Content is for educational purposes only. Past performance is not a guarantee of future results.
Do these sound familiar when you think about your personal finances? Shame, embarrassment, overwhelmed, dumb? If so, then this episode is for you. We’ll go over why we feel this way and how we can re-frame our thinking.
I’d love to hear from you! Email walletstreetpodcast@gmail.com with your questions and comments.
Disclaimer: Opinions are my own. The content on the site and in the podcast do not constitute financial, legal, accounting, tax, or investment advice.
Did you know that there are 3 tools that you already use day to day that can help with your personal finances? I’ll walk you through how I use these tools and how you can apply them to your own money management.
I’d love to hear from you! Email walletstreetpodcast@gmail.com with your questions and comments.
Disclaimer: Opinions are my own. The content on the site and in the podcast do not constitute financial, legal, accounting, tax, or investment advice.
Ann Koppuzha (Founder, Powerhouse Strategy) shares what you should invest in when starting your business. Plus, we talk about:
-How finding product-market fit is the foundation for your business
-3 key questions you should ask yourself when deciding between DIY vs outsourcing a task
-What is the Entrepreneur’s Scorecard and how to value your time
-How to figure out validating your idea
-When to use pre-made legal templates vs custom templates (Note: In a listener poll, listeners said they wish they had known more about legal before starting their business)
Ann has several free resources for budding entrepreneurs, including an elevator pitch guide, a business plan template, and resources for starting your business. Check it out at powerhouse-legal.com/resources.
You can find more about Ann at @powerhousestrategy and @powerhouselegal on Instagram.
Other links mentioned:
-Ann’s recommendation: Tribe of Mentors by Tim Ferriss
-Charlotte’s recommendation: Succession (HBO)
-Amy Porterfield (@amyporterfield)
-Pat Flynn (@patflynn)
-Jenna Kutcher (Goal Digger Podcast)
-The Mom Test by Rob Fitzpatrick
-Behind Her Empire
Disclaimer: Opinions are my own. The content on the site and in the podcast do not constitute financial, legal, accounting, tax, or investment advice.
It’s another crossover episode with Not So Silent Reading! This week we read Chris Bailey’s new book How To Calm Your Mind.
-What is a dopamine fast?
-Which activities are you doing that overstimulate you the most?
-Why do our minds get burnt out?
Listen on Apple, or Spotify.
Disclaimer: Opinions are my own. The content on the site and in the podcast do not constitute financial, legal, accounting, tax, or investment advice.
Eryn Schultz (founder of Her Personal Finance) identifies 3 financial mistakes you could be making and how to fix them. Plus, we talk about credit card debt, sitting on too much cash, rolling over 401ks, and investing when you don’t know where to start.
-3 money mistakes you could be making and tangible actions to fix them
-What to do if you find yourself in credit card debt and unwinding the shame around it
-What to do if you’re feeling stuck about investing or rolling over 401ks
-What Eryn wish she had known in her 20’s and what she’s still learning about today
Find out more about Eryn and Her Personal Finance:
Instagram: @her.personal.finance
LinkedIn: Eryn Schultz
herpersonalfinance.com
10 week bootcamp
Other links mentioned:
-Eryn’s recommendation: Tomorrow Tomorrow and Tomorrow by Gabrielle Zevin
-Charlotte’s recommendation: In Order To Live by Yeonmi Park
-The Simple Path to Wealth
-Bogleheads forum
-Money with Katie
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Disclaimer: Opinions are my own. The content on the site and in the podcast do not constitute financial, legal, accounting, tax, or investment advice.
It’s a crossover episode! Today I’m sharing my recent episode on the book podcast Not So Silent Reading. I chat with my friend Catie about the bestselling book The Body Keeps The Score by Bessel van der Kolk. We share what we found most helpful and fascinating. And find out what are next book will be!
Disclaimer: Opinions are my own. The content on the site and in the podcast do not constitute financial, legal, accounting, tax, or investment advice.
This week I interview Gilad Andorn, VP of New Revenue & Strategy (LiveAuctioneers), about what it’s like to work in finance for a growing company. We hear a lot in the news about company profits, projections, and funding rounds - but what does that actually entail? Join me as Gilad helps me understand what the finance function in a growing company does.
Listen on Apple, or Spotify.
LiveAuctioneers: www.liveauctioneers.com
You can find Gilad on LinkedIn
Gilad’s recommendation: The Bomber Mafia by Malcolm Gladwell
Charlotte’s recommendation: World Next Week podcast by Council on Foreign Relations
Rate and review the podcast and subscribe to the Wallet Street newsletter for more updates.
Disclaimer: Opinions are my own. The content on the site and in the podcast do not constitute financial, legal, accounting, tax, or investment advice.
David Kafafian, COO of Stride Funding, explains what’s the latest in student loans, how the new proposed federal loan changes could affect students, and how income share loans are creating a new path for financing education.
Listen above, on Apple, or Spotify.
You can find Stride Funding at www.stridefunding.com or @stridefunding on Twitter, Instagram, FB or LinkedIn
You can find David at David@stridefunding.com or on LinkedIn
David’s recommendation: All-In
Charlotte’s recommendation: How to Calm Your Mind by Chris Bailey
Rate and review the podcast and subscribe to the Wallet Street newsletter for more updates.
Disclaimer: Opinions are my own. The content on the site and in the podcast do not constitute financial, legal, accounting, tax, or investment advice.
Sarah Olsen, Managing Partner of Europa Partners, catches us up on what’s been happening in crypto and what it’s like to start a crypto fund.
Europa Partners: www.europapartners.xyz
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Disclaimer: Opinions are my own. The content on the site and in the podcast do not constitute financial, legal, accounting, tax, or investment advice.
Today I talk about how 3 books helped change the way I think about money. I share with you the key takeaways to help reframe money habits.
12 week year by Brian P. Moran and Michael Lennington
Atomic Habits by James Clear
Messy Minimalism by Rachelle Crawford
Subscribe to the Wallet Street newsletter at https://www.walletstreetpod.com/subscribe
Disclaimer: Opinions are my own. The content on the site and in the podcast do not constitute financial, legal, accounting, tax, or investment advice.
It’s a crossover episode! Today I’m sharing my recent episode on the book podcast Not So Silent Reading. I chat with my friend Catie and the book Burnout by Emily Nagoski, PhD and Amelia Nagoski, DMA. We share our own tales of burnout, how to manage it, and how this book helped us see it differently.
It’s a new year! Before you set any money New Year’s resolutions, Charlotte explains why instead you should set a 12 week goal, why “Simple” is her word of the year, and what’s new with the podcast.
Disclaimer: Opinions are my own. The content on the site and in the podcast do not constitute financial, legal, accounting, tax, or investment advice.
It’s been quite a year and thank you for following with me. I hope that this newsletter brought a small dose of joy and insight to your week. I’ll be taking a few weeks off to enjoy the holidays and regroup. I’ll let you know when I’m back. Hope you all have a wonderful rest of 2022!
Money & Crypto
Best of 2022: Money & Crypto
Here were your most clicked stories this year:
Charlotte’s 2 minute tasks (things you can do to get started on your finance in under 2 min)
Etc.
Well…that was a World Cup final to remember. The emotional roller coaster was wild. As a French fan, the end was painfully heartbreaking, but if you’re a Messi fan, what a game!
Best of 2022: Etc.
Lastly, here’s a look back on your favorite Etc. posts of the year:
2022 Book roundup: 📖 With so many year end lists circulating, here were my favorite books I read in 2022.
Reader Feedback
Email walletstreetpodcast@gmail.com to share your questions/comments.
Disclaimer: All opinions are my own. The content on this site and on the podcast does not constitute financial, legal, accounting, tax, or investment advice.
Permalink
Money & Crypto
Etc.
Reader Feedback
Email walletstreetpodcast@gmail.com to share your questions/comments.
Disclaimer: All opinions are my own. The content on this site and on the podcast does not constitute financial, legal, accounting, tax, or investment advice.
Permalink
Money & Crypto
Etc.
Reader Feedback
Email walletstreetpodcast@gmail.com to share your questions/comments.
Disclaimer: All opinions are my own. The content on this site and on the podcast does not constitute financial, legal, accounting, tax, or investment advice.
Permalink
Money & Crypto
Etc.
Reader Feedback
Email walletstreetpodcast@gmail.com to share your questions/comments.
Disclaimer: All opinions are my own. The content on this site and on the podcast does not constitute financial, legal, accounting, tax, or investment advice.
Permalink
Well the FTX fallout continues. We’ve learned some new details, like what their balance sheet actually looked like. Liabilities are customer deposits. As you can see from below, it’s not surprising that FTX had issues when people started wanting their deposits back. The liabilities greatly outweighted liquid assets. Illiquid assets are hard to sell on short notice and at full value, so all that can cover customer deposits ($9B) in the short term are liquid assets ($900M). $9B is a lot bigger than $900M.
Other companies continue to put out reassurances. Some have announced pauses on withdrawals. It will be a long time until the industry recovers from this impact.
But I think it’s also important to remember that technology that powers crypto, blockchain, will continue to forge ahead. Crypto is just a small use case.
Money & Crypto
This is kinda amazing. Someone on Visual Capitalist tracked the price of different things on the dark web. Would not have guessed that physical documents go for the most!
Who is Caroline Ellison, CEO of Alameda, who had helped run the company with SBF?
He writes “There was a period in the late 2010s when it was fashionable to think that the way to build a successful company was by losing money on every transaction. You would create a desirable product, offer it at an uneconomically discounted price, and get lots and lots of customers very quickly. This growth in customers — even money-losing customers — was the point. That growth would, for one thing, attract lots of venture-capital investment, because VCs seemed to care more about rapid customer growth than they did about unit economics.”
This is exactly what is coming to haunt a lot of startups. They built on growth and not profitability. In economic downturns, you can’t rely on funding as your source of profitability anymore, and it’s going to take out a lot of businesses.
Etc.
Reader Feedback
Email walletstreetpodcast@gmail.com to share your questions/comments.
Disclaimer: All opinions are my own. The content on this site and on the podcast does not constitute financial, legal, accounting, tax, or investment advice.
Permalink
FTX, a crypto exchange, had become a media darling. Its founder, Sam Bankman-Fried (SBF), is a 30-year old who resides in the Bahamas.
I’ve been trying to figure what would be the ‘optimal’ allocation across types of investments should be. There’s a lot of theories out there, but frankly, it’s hard to figure out which one to follow.
IRS adjusts brackets and standard deductions for 2023 (Market Watch) and 401K contributions increase in 2023 (NYT)
“Dude on your newsletter, I just found out the options for funding your HSA and letting it grow. You can allocate its investments just like a 401k and you can use it for health related spending forever!
“Do you have thoughts on HSA vs. FSA? I think I’m going to enroll in an HSA because I can pay for therapy out of it but was wondering if you had more nuanced info I should consider?”
The example in the book is about food choices in a grocery store, but it struck me that this is exactly what people face in personal finance too. In the 100 conversations project, the #1 thing I keep hearing is about how people know they should be doing more to invest and proactively manage their finances, but there are too many voices to listen to and choices to make
“1. How high could they go if Fed keeps pushing rates? Wonder what they got to back when mortgage rates hit 18%
What do you do if you don’t want to invest in oil stocks, but the energy sector is one of the best performing this year?
In US, some inflation easing in gas and other categories (WSJ), but in EU, ECB forecasts more inflation (NYT)
Real estate agent Anna Morgan, of the Seattle-based Morgan Group, explains 1) how interest rates, inflation, and COVID is affecting the real estate market and 2) what buyers and sellers should know before a transaction.
Anna was my real estate agent and help me go through an overwhelming and confusing process. I touched base with her to get her perspective on what’s happening in the real estate market today:
1) How are inflation/interest rates affecting the market
2) Are we in for a downturn?
3) What should buyers and sellers prepare for before going through the process?
Also, we answer a reader’s question: “Are we screwed? Are home prices going down because of economy and interest rates?”
Please subscribe for future episodes and rate/review the pod. It helps us get feedback and lets other people find the show.
Links:
Morgan Group
@morgangroup
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Anna’s recommendations:
Just Mercy by Bryan Stevenson
Embarrassed to Ask
Charlotte’s recommendations:
We Own This City
Disclaimer: The podcast does not constitute financial, legal, accounting, tax, or investment advice.
The Kentucky Derby races this Saturday, May 7th. For a long time I’ve wanted to pick my dad’s brain about the famous Derby and the horse racing industry. He’s been a race horse broker for 40yrs and was a former amateur rider.
Yesterday we sat down to chat and he shared with me so many fascinating tidbits. Listen to learn more about how it all works, which horses get selected for the Derby, and why it’s about so much more than big hats and mint juleps.
Disclaimer: Opinions are my own. The content on the site and in the podcast do not constitute financial, legal, accounting, tax, or investment advice.
-What are the use cases for crypto around the world?
-How is crypto used when local currency is facing devaluation?
-What are central bank issued digital currencies?
Join Andre and I as we discuss how crypto is used to mitigate financial risk around the world.
Disclaimer: Opinions are my own. The content on the site and in the podcast do not constitute financial, legal, accounting, tax, or investment advice.
-Digital payments
-Pinduoduo
-Bitpanda
-Fireblocks
-Mice embryos
-Wang Fuchun
-Sound of Metal
Disclaimer: Opinions are my own. The content on the site and in the podcast do not constitute financial, legal, accounting, tax, or investment advice.
-Shorting SPACs
-Greensill
-NFTs in the art world
-Dr. Wu Lien-teh’s mask
-Walter Isaacson & CRISPR
-the Grammy's
Disclaimer: Opinions are my own. The content on the site and in the podcast do not constitute financial, legal, accounting, tax, or investment advice.
-She-cession
-top investors in big tech
-NFTs
-China's Peace Cable
-password management
-to do lists, and more
Disclaimer: Opinions are my own. The content on the site and in the podcast do not constitute financial, legal, accounting, tax, or investment advice.
-Big Tech
-Coinbase S-1
-social finance
-Mt.Etna
-COVID strains
-Nomadland
-Britney Spears
-Erik Larson
Disclaimer: Opinions are my own. The content on the site and in the podcast do not constitute financial, legal, accounting, tax, or investment advice.
Olga Afonsky, nutrionist (who has helped me in the past), helps me answer questions and topics such as:
-What foods to buy in bulk to make healthy eating more affordable
-Why I shouldn't grocery shop when I'm hungry
-Looking at the scale
-How to substitute a beer at the end of the day
You can contact Olga and find more information at: https://www.food-remedies.com/
Resources mentioned:
https://www.ewg.org/foodnews/dirty-dozen.php
https://elanaspantry.com/
Disclaimer: Opinions are my own. The content on the site and in the podcast do not constitute financial, legal, accounting, tax, or investment advice.
-Regulation and big tech: Uber, Facebook, Google
-Perseverance Mars rover
-Texas power generation
-Gene editing bioethics
-Dolly Parton’s tweet
-The Good Hand by Michael Patrick Smith
-Scientology in Hollywood
Disclaimer: All opinions are my own. The content on this site and on the podcast does not constitute financial, legal, accounting, tax, or investment advice.
Lisa Smith is running for local election in Arvada, CO. She shares what she's learned about the logistics of campaigning, how to fundraise, the awkwardness in asking people for money, and the interesting folks she's met while campaigning.
We had such a fascinating discussion about the ins and outs of getting involved in local politics.
Disclaimer: Opinions are my own. The content on the site and in the podcast do not constitute financial, legal, accounting, tax, or investment advice.
-Elon Markets Hypothesis
-crypto investors
-Fresh air
-Atlassian founders
Disclaimer: Opinions are my own. The content on the site and in the podcast do not constitute financial, legal, accounting, tax, or investment advice.
-Lunar New Year
-Emily Morse
-Zoom calls
DeFi...What is it? What does it do? How is it different from the current financial system? How do I participate in it?
Praneeth helped answer all my questions around this topic and more. I really enjoyed this discussion and gave me a lot of food for thought!
Disclaimer: Opinions are my own. The content on the site and in the podcast do not constitute financial, legal, accounting, tax, or investment advice.
-Big Tech gets bigger
-Dr.Fauci
-vaccine production
-Tom Brady
-Obits
-Sir Captain Tom Moore
-Christopher Plummer
Jalpa and I talk about burn out, how we've experienced it at different points in our life, mitigants, and what we learned about ourselves along the way.
Disclaimer: Disclaimer: Opinions are my own. The content on the site and in the podcast do not constitute financial, legal, accounting, tax, or investment advice.
-GameStop
-RobinHood
-Income inequality
-Super Bowl: esports, Budweiser, Whitney Houston
Disclaimer: All opinions are my own. The content on this site and on the podcast does not constitute financial, legal, accounting, tax, or investment advice.
Interested in crypto but confused about where to start? Aya Kantorovich, Head of Institutional Coverage at Falcon X, joins me to help answer all your questions about buying crypto and learning about the crypto ecosystem.
-What is crypto?
-How do I actually buy it?
-What is bitcoin?
-What are hot vs cold wallets?
We had an awesome discussion going through all these questions and more!
Disclaimer: The content on this podcast does not constitute financial, legal, accounting, tax, or investment advice.
Want to start investing but don't know where to start? Brett and I talk about how to get over this hump, what helped us, and how to get over our insecurities
Disclaimer: The content on this podcast does not constitute financial, legal, accounting, or tax advice.
10 min recap on:
-Airbnb IPO
-VC vs IPO funding
-Pfizer vaccine nears approval
-Chuck Yaeger
-National Geographic's 2020 in photos
-The Undoing interviews
Overwhelmed by the buying a house process? My friend Maura answers all my questions. and she's funny too!
-buying vs renting
-managing a budget
-how to find an agent
-figuring out the pre-approval and mortgage process
-how to get over losing a bid
10 min recap on:
-Google and Stripe banking services
-S&P acquisition of Markit
-Salesforce acquisition of Slack
-Drones photographing the Arctic
-UK vaccine
-Scott Kelly, astronaut, interview
-NPR's best books of 2020
-Hilary Clinton and President Obama interviews
10 min recap on:
-Bitcoin breaks $18k and Ether breaks $500
-Airbnb, DoorDash, Roblox IPOs
-SpaceX
-Apple, Nvidia, and Fortnite
-Best books of 2020
SP500 performance, PayPal crypto service, Singles Day, PlayStation vs Xbox, Alex Trebek, Megan Rapinoe, and more
Ant IPO halted, Bitcoin $15k, SPACs, Dunkin’ sale, Whats App payments, Apple & Intel, Mt. Rushmore history, Sean Connery, and more
Ant IPO, Billtrust, Lili, network science, broadband antitrust, 2020 in photos, Forbes 30 under 30, and more