In this episode of Aspire, Emma dives deep into one of her favorite topics: money! She sits down with bestselling author and financial expert Nicole Lapin to break down why we so often avoid money talk—and how that silence holds us back. Nicole reveals how she conquered her own debt using the “avalanche” method (tackling high-interest balances first) and how to master simple money lingo—ROI, APY, EBITDA—so you never feel lost in a finance convo again. We also cover how just $200 a month in an S&P 500 index fund at age 35 can balloon into roughly $500K by retirement, and why the “age in bonds” rule—your age in bonds, the rest in stocks—is a solid starting point. Plus: automating “set and forget” investments, keeping crypto under 1% of your net worth, and calculating the real “opportunity cost” of a home down payment (hint: sometimes renting wins). This isn’t just about numbers—it’s about mindset. Nicole shares her story of losing her home in the Los Angeles wildfires and turning scarcity into abundance, proving that talking openly about money is the first step to freedom. Whether you’re drowning in debt or ready to make your first investment, this episode is packed with practical tips to help you take control of your finances—and finally feel good about your money.

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