Whitney, the Head of Product at Factora, eloped this summer with her (now) husband Joey, who also happens to be a lawyer. They’re both very independent—their finances are still separate—so they created a detailed, thorough prenup before they tied the knot. We obviously made them share all the details. They cover: Why they keep their finances separate. Their views about prenups and how they kept it positive. How their personalities informed their prenup structure. The benefits of prenups that go deeper than legalese. What a “community property” state is. Their biggest point of contention when creating prenup terms. Exactly how much it cost to create a prenup. How they made the process fun!

Itzel is a program manager at a local organization that empowers girls in STEM. She joined Factora through 6 Figure Savings and felt so ready and excited about her finances that she joined the Wealth Circle immediately after. We go over what she’s learned along the way. They cover: Her first money memory. The personal events that made her realize she needed a financial change. Why she decided to sign up for 6 Figure Savings. How she addressed her scarcity mindset and why identifying her values was the turning point for her. What made her excited to spend money on her own education. The exact changes she made after 6 Figure Savings. Her experience in the current Wealth Circle.

Itzel is a program manager at a local organization that empowers girls in STEM. She joined Factora through 6 Figure Savings and felt so ready and excited about her finances that she joined the Wealth Circle immediately after. We go over what she’s learned along the way. 

They cover: 

• Her first money memory. 
• The personal events that made her realize she needed a financial change. 
• Why she decided to sign up for 6 Figure Savings. 
• How she addressed her scarcity mindset and why identifying her values was the turning point for her. 
• What made her excited to spend money on her own education. 
• The exact changes she made after 6 Figure Savings. 
• Her experience in the current Wealth Circle. 

Download our FREE financial framework workbook

Learn more about the Wealth Circle

In this episode, you'll learn how Gail:

• Broke out of a negative money mindset that was holding her back. 
• Collaborated with her new husband to radically transform their financial life and increase their net worth by 200k in 18 months. 
• Increased her salary by 28% and her savings rate to 68% since taking her Wealth Circle. 
• Stopped using a tax escrow for her mortgages and why this strategy is important to her. 
• Acquired a turn-key cash-flowing investment property and is trying her hand as a property manager for the first time-ever. 

Download our FREE financial framework workbook

Learn more about the Wealth Circle

 

In this episode, you'll learn how Gail:Broke out of a negative money mindset that was holding her back. Collaborated with her new husband to radically transform their financial life and increase their net worth by 200k in 18 months. Increased her salary by 28% and her savings rate to 68% since taking her Wealth Circle. Stopped using a tax escrow for her mortgages and why this strategy is important to her. Acquired a turn-key cash-flowing investment property and is trying her hand as a property manager for the first time-ever.

Fernanda was born in Mexico City and came to the U.S. for college. She was steadily and successfully working her way up the corporate ladder—but realized she was upgrading her lifestyle as she went. She joined Factora making 6 figures, but was spending out of line with her values. Now, she’s a homeowner with a completely full emergency fund—and a fiance (and stepmom!) with combined finances. They cover: Why “get your money together” feels so overwhelming as a to-do list item and what to do about it. The exact details of her first home purchase in Portland, Maine, using a jumbo loan. How that home purchase saves her $1,600 per month compared to her NY apartment. The credit card system that she and her fiance use to pay for their life and his kids’ expenses. How to deal with the “grey area” in combined finances—not everything’s black + white. How her childhood informed the way she sees money and power dynamics. The conclusion she made after watching her parents live an inflated lifestyle and stress about money.

Fernanda was born in Mexico City and came to the U.S. for college. She was steadily and successfully working her way up the corporate ladder—but realized she was upgrading her lifestyle as she went. She joined Factora making 6 figures, but was spending out of line with her values. Now, she’s a homeowner with a completely full emergency fund—and a fiance (and stepmom!) with combined finances.  They cover: 

• Why “get your money together” feels so overwhelming as a to-do list item and what to do about it. 
• The exact details of her first home purchase in Portland, Maine, using a jumbo loan. 
• How that home purchase saves her $1,600 per month compared to her NY apartment. 
• The credit card system that she and her fiance use to pay for their life and his kids’ expenses. 
• How to deal with the “grey area” in combined finances—not everything’s black + white. 
• How her childhood informed the way she sees money and power dynamics. 
• The conclusion she made after watching her parents live an inflated lifestyle and stress about money. 

Download our FREE financial framework workbook

Learn more about the Wealth Circle

 

Allegra (Founder & CEO of Factora) and Julia (Head of Brand at Factora) share their personal answers to the Mission to Millionaire Manifesto which you can download here: pages.factorawealth.com/millionaire-manifestoThey talk about how they stay motivated on the path to financial freedom (because it’s lifelong!) and share their personal answers to these questions:What does the word “millionaire” bring up for you?If you had a few million in the bank right now, what would you change in your personal life? Get specific. If you had a few million to give away, what would you do with it? What’s stopping you from becoming a millionaire?                     How many income streams do you have? (And they break down the different types of income that exists!)

Allegra (Founder & CEO of Factora) and Julia (Head of Brand at Factora) share their personal answers to the Mission to Millionaire Manifesto which you can download here: pages.factorawealth.com/millionaire-manifesto

They talk about how they stay motivated on the path to financial freedom (because it’s lifelong!) and share their personal answers to these questions:

• What does the word “millionaire” bring up for you?
• If you had a few million in the bank right now, what would you change in your personal life? Get specific. 
• If you had a few million to give away, what would you do with it? 
• What’s stopping you from becoming a millionaire?                     
• How many income streams do you have? (And they break down the different types of income that exists!)

Download our FREE financial framework workbook

Learn more about the Wealth Circle

 

Allegra (founder & CEO of Factora) and Jake (her partner in love and life) recently decided to combine their finances. So many women in the Factora community ask about joint finances, so after tweaking and testing, Allegra & Jake are sharing what’s worked for them and the system they’re building to fit their lifestyle. They cover: Why they decided to conjoin finances now after years of being together. How they use Jake’s salary, Allegra’s salary, and rental income for different types of expenses. The details of the financial system they use with accounts & credit cards. How they “budget” together. Other areas of their finances that they optimized as a result of merging finances. How they strategically bought a car (and didn’t settle for anything less than what they wanted!). Why they decided to fully pay off Jake’s student loans instead of paying the minimum due. How they’re laser-focused on business entrepreneurship and real estate, and how that informs all of their financial decisions.