Financial Feminist

If you're carrying credit card balances and haven't looked into whether a lower-rate option is available, see if our debt-tool can help you: ⁠⁠⁠https://herfirst100k.com/ffpod⁠⁠. What if the easiest business to start this year is one you could begin with a single DM? Justin Moore, sponsorship coach, founder of Creator Wizard, and author of Sponsor Magnet, has earned over $5 million in brand partnerships with his wife April, and spent seven years running an ad agency where he heard what brands say about creators behind closed doors. We cover why building an audience may be the most AI-proof business you can start, why a tiny niche audience can out-earn a huge one, how to answer “what’s your rate?” without losing money, and the contract words that should make you run. If an extra couple thousand dollars a month would change your life, this episode shows you one way to get it. Justin’s Links: Website: https://www.sponsormagnet.com/ Also mentioned in this episode: This Mistake Cost Me $500,000: https://herfirst100k.com/financial-feminist-show-notes/my-500k-mistake/ Jasmine Star: How to Build a Business from Nothing: https://herfirst100k.com/financial-feminist-show-notes/how-to-build-a-business-from-nothing/ 00:00 Intro 01:18 Why building an audience is the most AI-proof business 03:03 You don’t have to be an “influencer” to do this 08:29 Side hustling the 5-to-9 11:05 What you actually need to start (one person) 14:37 Why Justin started calling out the gatekeepers 17:03 What running an ad agency taught him about how brands pay 19:37 Who undercharges most 24:55 How to answer “what’s your rate?” 29:10 Justin’s 8-step partnership system 38:53 Contract red flags: perpetuity, exclusivity, out clauses 43:46 Why Justin says don’t hire a manager 48:47 My half-million-dollar agency mistake 53:32 The $1 million math on a 20% cut 54:24 Rapid fire: free product, worst pitches, follower myths 58:37 One thing every creator should do today Learn more about your ad choices. Visit megaphone.fm/adchoices

The 2026 job market has been brutal. If you’ve been looking for a job, you know how tough it is. If you already have a job, I’m sure you’ve been told that you should just be grateful. Keep your head down, don’t make waves, ask for a raise when things "settle." My guest today thinks that instinct is completely backwards, and after this conversation, so do I. Kathryn Valentine –– executive coach, one of the country's leading experts on women's negotiation, and repeat guest –– coaches women inside communities like J.P. Morgan, Bain, and KPMG. And her work starts with an uncomfortable finding: women now negotiate as often as men, but succeed about half as often. Today we're talking about what to do when your company says there's no budget, why the timing of your ask matters so much, what AI gets wrong about your salary, and how to survive the messy middle of a negotiation without folding. If you've been telling yourself you'll just wait a year to ask, listen to this first. Kathryn’s Links: 76 Things You Can Negotiate at Work: http://76things.com/ Learn more about Kathryn Valentine: http://worthmorestrategies.com/   Negotiate Like a Woman with Kathryn Valentine: https://herfirst100k.com/financial-feminist-show-notes/negotiate-like-a-woman/ Learn the exact strategies to save money, pay off debt, improve your money mindset, and increase your net worth. Get your personalized plan: ⁠⁠https://herfirst100k.com/ffpod⁠. 00:00 Intro 02:13 Why negotiation matters: career, stress, and $1M 05:24 Women ask now, but with the wrong tools 06:30 Negotiating during layoffs 08:28 The relational ask (and the WSJ advice that backfires) 11:36 Common negotiation mistakes women are told to make 13:12 What to ask for when raises are frozen 15:33 The 76 things you can negotiate 19:42 The gender gap goes way past base salary 26:42 In the room: what to say when it goes off-script 31:08 The three biggest mistakes that sink negotiations 34:15 How to find your market rate 37:32 "Ask a white guy" 40:34 Should you use AI to prep? 44:29 The average negotiation lasts 25 days 45:57 Live calculator: what one raise is worth 50:25 Who to talk to (and who to avoid) during a negotiation 56:54 Changing jobs when the economy is bad 59:25 When to leave corporate and build your own thing 66:27 Why mid-sized companies are best for flexibility 71:07 What to do this week Learn more about your ad choices. Visit megaphone.fm/adchoices

Ready to take control of your money and finally start investing? Visit ⁠⁠https://herfirst100k.com/ffpod⁠ to register for our FREE workshop, Stock Market Secrets: Debunking Common Myths for Successful Investing to learn how to avoid common mistakes and how to build wealth without fear or confusion.  Today's episode is a little different from our normal format. It's my conversation with Jasmine Star on The Jasmine Star Show, and we're sharing it here because it goes deep into something I don't usually get asked about on my own show: the actual business mechanics behind Her First $100K. We talk about the $49 coaching sessions that started it all, the money story I inherited from my parents (and had to unlearn), the exact logic I used the night before I quit my job, and why "done is better than perfect" has become my whole content philosophy. If you're building something of your own, or thinking about it, this one's for you. Jasmine’s links: Instagram: https://www.instagram.com/jasminestar  Website :https://jasminestar.com/  00:00   Intro & the story behind the name "Her First $100K" 02:25   Documenting the money journey publicly — and why that built accountability 04:27   Rebranding to Her First $100K, and her dad's reaction 06:30   The $49 coaching sessions that started it all 08:01   From coaching, to a $97 workshop, to a course 10:30  Tori's money story: safety, risk, and her parents' fear 14:19  Why women are conditioned to avoid risk 15:35  The night before she quit her job 18:54  "Give your dollars a job": the psychology of scaling income 24:21  Her First $100K's revenue model today 28:33  What's stayed the same (consistency) vs. what she let go of 31:58  Building an email list early, and current team structure 33:53  What Tori loves doing vs. what she's delegated 42:04  The "chin video" strategy: why imperfect content wins 44:54  "Done is better than perfect": hiring, imperfection, 2026 content trends 50:05  Owning success without performing false humility Learn more about your ad choices. Visit megaphone.fm/adchoices

If there’s one piece of info to take away from today’s guest, it’s that there’s no "perfect" moment to buy a home. It's about timing your life, not the market. In today’s episode, I sat down with repeat guest Daryl Fairweather –– Chief Economist at Redfin and author of Hate the Game: Economic Cheat Codes for Life, Love, and Work. We got into the real, updated math on buying a home in 2026: mortgage rates, whether prices have already peaked, the climate risk nobody's pricing in correctly, and the creative paths (co-buying, ADUs, house hacking) more people are turning to because the old rules just don't work anymore. If you've felt priced out, behind, or like homeownership might not be "in the cards" for you, this episode will change how you think about the whole decision. Daryl’s Links: Website: https://www.redfin.com/ Hate the Game book: https://www.hatethegamebook.com/ Daryl's IG: https://www.instagram.com/fairweatherphd/?hl=en Learn the exact strategies to save money, pay off debt, improve your money mindset, and increase your net worth. Get your personalized plan: ⁠https://herfirst100k.com/ffpod⁠. 00:00 Intro 01:06 Is it too late to buy a home? 03:00 What winning looks like when the system feels unwinnable 04:27 Smart next moves for stuck renters and would-be buyers 06:34 Why housing may get more affordable over the next decade 08:21 Climate change and the coming insurance crisis 11:22 When does buying actually make sense? (the 5-year rule) 14:53 How job stability and housing go hand in hand 17:05 Preparing to buy: talk to a lender early 19:58 Rethinking the 20% down payment 21:16 Creative paths to homeownership: co-buying, ADUs, house hacking 25:07 Starter home vs. waiting for the dream home 27:39 How housing costs will reshape households and family life 28:58 Will the housing market crash? 32:29 Misconceptions keeping people stuck 35:54 What to do if you're priced out right now 37:24 The mindset shift: timing your life, not the market Learn more about your ad choices. Visit megaphone.fm/adchoices