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Episode #68 More Than Words and Money with Tess Wicks

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Today I am more than thrilled to have the wonderful Tess Wicks with me. I was honored to be a guest on Tess’s Words and Money podcast a little while back, a podcast that educates millennial women on personal finance through casual money conversations, and we had a great conversation. Tess is a financial literacy expert and Profit First Professional. She works with individuals and online businesses to implement systems for successful cash management, debt payoff, and ultimate profitability. She believes that you can have anything you want in life, as long as you’re willing to do things a little differently.

Our conversation covers the challenges facing millennials, small business owners and entrepreneurs wanting to manage their money in a smart way in the currently unpredictable world we live in. We also learn that Tess is learning to be a Profit First practitioner, which will allow her to help anyone looking to set up their business in the system designed by Michael Michalowicz in his highly recommend book.

Quotes

  • “When I was in school for finance, I realized I had a hard time keeping pace with my male counterparts, which was a majority of my class, mainly because I had a lack of confidence and didn’t follow my intuition.” -Tess
  • “A lot of personal finance things we just don’t learn about in school, and if I have questions about these things, I know my peers do too.” -Tess
  • “I try to track my time, and if I don’t clock eight hours, that’s ok, because we don’t realize how unproductive we really are in the workplace.” -Tess
  • “[The amount you should go into debt for your business] highly depends on your strategy to monetize and pay off that debt.” -Tess
  • “Make sure that you take on the right amount of debt and recognize what your payoff strategy is going to be, and maybe even testing the market before you really go big on it.” -Tess
  • “Debt is a tool like handcuffs, where you can get locked in without a key to get out of them.” -Jen
  • “It’s important that you don’t use debt as a bandaid or something to get you to the next level.” -Tess

To connect with Tess Wicks, check her out on Facebook, her website, or on her highly curated instagram feed. For more information on how to work with her on Profit First check out this page of her website: tesswicks.com/creative-profit-co.

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Resources

The 80/20 Rule.

Profit First

Stash

Motif

tess-wicksTess Wicks is financial literacy expert and Profit First Professional. She works with individuals and online businesses to implement systems for successful cash management, debt payoff, and ultimate profitability. As the host of Words and Money, a podcast that educates millennial women on personal finance through casual money conversations. She believes that you can have anything you want in life, as long as you’re willing to do things a little differently.

Episode #66 Equality Pays with Michelle Gyimah

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Today I have the very lovely Michelle Gyimah with me on Financial Fluency. Michelle is a tech gender equality consultant, a tech startup improver, trainer, and speaker. She worked for over six years at the Equality and Human Rights Commission in the UK, helping employers work within the bounds of equality law, especially in regards to maternity leave. In the midst of her own maternity leave, she decided that she wanted to strike out on her own and provide consulting for businesses and employees as an entrepreneur.

In our discussion, we cover in depth the feelings of vulnerability and fear that women encounter when revealing their pregnancy to their employer. We talk about how women might choose to become self-employed because of how their employers treat them around pregnancy and child care. We talk about how startups can provide a safe and comfortable culture for women.

Quotes

  • “Even though my employer was quite amazing, when I was pregnant I had this sense of vulnerability, thinking ‘I hope I’m able to keep my job because I really need to keep it.’” – Michelle
  • “Even though the legislation in the UK and the US is on polar opposite ends of scale in terms of leave, many of the social issues are the same.” – Michelle
  • “Even if you can take 12 weeks of unpaid leave, what if you can’t take 12 weeks of unpaid leave? What if you need the money?” – Jen
  • “The message is you can have a career if you don’t have a baby, which is wrong.” – Michelle
  • “It’s like we’re telling women from a young age that they can be anything, but as soon as they decide they want to have a family we’re like ‘Oooh, we forgot to tell you, you can’t mix the two.” – Michelle
  • “It’s only a short amount of time that you are going to have a young family that’s going to depend on you in terms of time. That’s a very limited way of looking at people.” – Michelle
  • “[In startup culture], we want to view women as more than consumers, we want to view them as creators too. Women need to feel safe, valued and wanted. It’s not just a boys club for start-ups.” – Michelle
 To connect with Michelle and learn more about her advice for employers and employees alike, check her out on LinkedIn and at www.equalitypays.co.uk.

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michelle2Michelle is a tech gender equality consultant, startup improver, inclusive business builder, speaker, and trainer.

She’s passionate about working with tech companies (whatever their size) to help them improve their gender diversity, specifically how to attract and keep female staff and working mothers and how to save their organization money by not ending up in employment tribunal.

Through customized company assessments she can identify problem areas and produce a customized plan of action that will dramatically improve your gender diversity and your return on investment.

She’s dedicated to partnering with UK and US Women in Tech thought-leaders to mainstream the improvement of gender diversity in tech.

Episode #65 Raise Top Kids with Neelam Sethi

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Today I am honored to have Neelam Sethi! Neelam is a parenting expert, HuffPo blogger, and has been featured on the New York Times and Farnoosh Torabi’s So Money podcast on how to raise successful children.

All of her children are success, but perhaps you have heard of  Ramit Sethi or Nagina Sethi Abdullah? Ramit is an entrepreneur and the New York Times bestselling author of “I Will Teach You To Be Rich” and his sister Nagina is a full-time consultant and the founder of the health and fitness program Masala Body. Did you see the Pavlok pitch on SharkTank? That was their younger brother Maneesh. Their other sister is a full time medical doctor and mother of three.

We talk about how her attentive approach as a parent lead to her children’s success.

Neelam’s Tips

  • Follow your instincts.
  • Find what motivates your child and help them follow those motivations
  • Ask specific questions about their day.
    • What did you do at your 10 o’clock recess?
    • What game did you play? Who did you play with? Who did you sit with at lunch?
    • What subject did you not like today?
  • Give them different titles for chores and make those tasks feel special i.e. Table setter, Door engineer, Pick up Crew, etc
  • Add gratitude/meditation practice for your kids
    • Just ask them in the morning and the evening what they are grateful for.

Quotes

  • “When they were children every sentence started with “when you go to college, when you go to high school, when you go to junior high” so it became a part of their life.” – Neelam
  • “Anything, anything can be negotiated, and what’s the worst that can happen? They say no.” – Neelam
  • “I told [my kids] nothing is permanent, everything can change, and you have to be prepared.” – Neelam

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Resources

Ramit Sethi

Nagina Sethi

Pavlok

New York Times Article

So Money Podcast

Cooking for Busy Moms on Business Insider

neelam_origNeelam is a retired elementary school teacher. She also raised four motivated children.  They went on to attend top universities, and became best-selling authors, entrepreneurs and a doctor.

She has been featured in the New York Times, Huffington Post and So Money podcast for her advice to raise motivated children.

To learn more about Neelam visit her website raisetopkids.com. Here, she shares her best advice to raise motivated children and you can get her “3 Strategies To Raise a Motivated Child.” If you would like to contact her directly email her at neelam@raisetopkids.com.