$HMONEY Radio

"When you don't know the right way forward, you might succeed by focusing on what you know to be wrong instead. In other words, instead of formulating a plan for the most favourable outcome, zoom in on what you don't want to do or agree with."

Welcome back to the Hone Your Habits series! This weekly supplement to $HMONEY's regularly scheduled episodes is inspired by David Bach's The Latte Factor, an ode to millennial money habits (like your daily latte).

Tune into bite-sized episodes for tips, tricks, and mindset shifts that will help improve your financial literacy and money habits to live a healthier, happier lifestyle.

In today's episode, we discuss how to make a to-don't list, a new concept Anastasia has taken a liking to. Spoiler alert: It will transform your life.

To download your to-don't list templates, tap or click HERE.

To learn more about to-don't-ing on the blog, tap or click HERE.  

To get acquainted with your host, tap or click HERE.

To subscribe to The #SundayScroll ☕, Anastasia’s weekly newsletter, tap or click HERE.

To learn more about $HMONEY, visit shmoney.club and join us on...

Instagram: @shmoneyradio / @shmoneyhonies

Facebook: https://www.facebook.com/shmoneyradio

Sound credits: Levels by Yung Kartz ($HMONEY theme song - intro/outro music)

Edited and produced by Anastasia Barbuzzi, founder and creative director of $HMONEY ($HMONEY Radio).

“I think we really need to pay attention to the messages we're sending young women and young girls about their future and what we expect of them.”  - Jessica Kizovski

In honour of International Women In Engineering Day 2023, we're bringing back this episode with @jk_twentyone (a.k.a Jessica Kizovski), the former brand manager and lead product formulator at @veriphyskincare, a Canadian-made collection of clean, green skincare backed by science and a team of women in STEM (Science, Technology, Engineering and Math fields).

Before launching her career as a #STEMinist, Jessica worked at @sephoracanada as a makeup artist while studying science to eventually bridge her passions for beauty and theory, leading her to delve into cosmetic chemistry.

In this episode, we explore the following: 

• STEM as a significant driver of the world economy
• The reasons why we see fewer women than men pursue careers in STEM
• Why more women leave their STEM careers
• Industry stereotypes
• Organizational diversity
• The fact that Veriphy might be the only beauty brand with a scholarship for young women entering STEM-related programs at university...

And more!

Follow @jk_twentyone on Instagram and be sure to check out @veriphyskincare/veriphyskincare.com for skin lovin’ goods. 

To learn more about the Veriphy Skincare Award for Women in STEM, please visit the University of Guelph, here. 

To get acquainted with your host, tap or click HERE.

To subscribe to The #SundayScroll ☕, Anastasia’s weekly newsletter, tap or click HERE.

To learn more about $HMONEY, visit shmoney.club and join us on...

Instagram: @shmoneyradio / @shmoneyhonies

Facebook: https://www.facebook.com/shmoneyradio

Sound credits: Levels by Yung Kartz ($HMONEY theme song - intro/outro music)

Edited and produced by Anastasia Barbuzzi, founder and creative director of $HMONEY ($HMONEY Radio).

“Debt is more than just financial debt, but it’s that baggage that we’re carrying around that prevents us from being successful with our finances.”  - Kristin Winchester 

Kristin Winchester, creator of the now defunct blog “Debt Free Black Girl,” is a licensed therapist, boundaries coach, speaker, and founder of Her Therapy Space, a mental health and wellness practice in Washington, DC. She’s been featured in Essence, Cosmopolitan, CNN Money, Rolling Out, HuffPost, and several other platforms.

Kristin teaches overwhelmed, high-achieving women how to prioritize their well-being and set healthy boundaries to live more freely and fully as their authentic selves. With over 10 years of experience, Kristin has helped hundreds of people shift their ways of thinking to live a life they once didn’t think was a possibility.

In this episode, we discuss: 

• The significance of money stories and Kristin’s own
• Her transition from personal finance coach to a therapist
• Definitions of “baggage” and how it affects our financial behaviours
• Accessibility to the wellness industry and what it means to be “well”
• The importance of freedom and boundaries
• Issues with the aphorism, “time is money”
• Why accountability is key to all healing and achieving any of your goals
• How we hold ourselves accountable and steps you can take

And so much more.

To learn more about Kristin, tap or click HERE.

To check out Kristin’s practice, Her Therapy Space, and follow along on social, tap for click HERE.

To grab yourself a Her Therapy Journal, tap or click HERE.

To get acquainted with your host, tap or click HERE.

To subscribe to The #SundayScroll ☕, Anastasia’s weekly newsletter, tap or click HERE.

To learn more about $HMONEY, visit shmoney.club and join us on...

Instagram: @shmoneyradio / @shmoneyhonies

Facebook: https://www.facebook.com/shmoneyradio

Sound credits: Levels by Yung Kartz ($HMONEY theme song - intro/outro music)

Edited and produced by Anastasia Barbuzzi, founder and creative director of $HMONEY ($HMONEY Radio).

With a master’s in behavioural finance and an Entrepreneur Magazine “100 Most Powerful Women” title under her belt, Claire Wasserman, founder and author of Ladies Get Paid, is one of the most sought-after speakers on financial feminism and career. We recently discussed advocating and negotiating for yourself at work, and these are her top 3 tips to help you GET PAID! 🤑

Reminder: To effectively advocate for yourself, you must sincerely believe you’re worthy.

To learn more about Claire and follow along with her on social, tap or click HERE.

To listen to our conversation on $HMONEY Radio, tap or click HERE.

To bookmark a copy of Claire's top tips, tap or click HERE.  

To get acquainted with your host, tap or click HERE.

To subscribe to The #SundayScroll ☕, Anastasia’s weekly newsletter, tap or click HERE.

To learn more about $HMONEY, visit shmoney.club and join us on...

Instagram: @shmoneyradio / @shmoneyhonies

Facebook: https://www.facebook.com/shmoneyradio

Sound credits: Levels by Yung Kartz ($HMONEY theme song - intro/outro music)

Edited and produced by Anastasia Barbuzzi, founder and creative director of $HMONEY ($HMONEY Radio).

"We're beyond the point where we can't afford to talk about money."  - Zandile Chiwanza

Zandile Chiwanza is truly one of the most passionate guests about making a positive impact through financial education that has been on the show. By day, she's a personal finance journalist, and her words have appeared in the Globe and Mail, Young and Thrifty, Refinery 29, and Best Health Magazine.

When she's not in the newsroom, she gives candid takes on money management and financial wellness on social media under the pseudonym @zaknows.

In this episode, we dig deep into our money feels and discuss the following: 

• Why "debt" is not a dirty word
• The definition of financial wellness and how we achieved it
• The importance of celebrating our wins and saving for fun
• The unique economic challenges Gen Z and millennials are facing right now and how they impact minorities
• How to talk to your friends and family about money and ask for help
• Why society's perception of "frugality" and how it keeps wealthy people rich is harmful

And so much more!

To learn more about Zandile and follow her on social media, tap or click HERE. 

Tap or click HERE to read Zandile's work.

To get acquainted with your host, tap or click HERE.

To subscribe to The #SundayScroll ☕, Anastasia’s weekly newsletter, tap or click HERE.

To learn more about $HMONEY, visit shmoney.club and join us on...

Instagram: @shmoneyradio / @shmoneyhonies

Facebook: https://www.facebook.com/shmoneyradio

Sound credits: Levels by Yung Kartz ($HMONEY theme song - intro/outro music)

Edited and produced by Anastasia Barbuzzi, founder and creative director of $HMONEY ($HMONEY Radio).

26th birthday edition 🎂: “Be prepared to be uncomfortable, at many points, no matter what trajectory you're on. Learn to if not like it, flow with it, because you're on a path."  - Kathy Tong

If you've ever been curious about the BTS of luxury fashion (particularly the iconic 90s/early 2000s), cinema, or what people make in the associated jobs, this episode is for YOU. This one's also for the dream chasers and aspiring freelancers who need a little push to keep going, especially when they're experiencing a rough patch financially.

Today's guest on the show, @kathyatong, was slicing fish behind the counter of a Canada Safeway when a model scout waltzed in and asked to take her photo. The rest is history.

After joining the brood of 90s supermodels we all know and love, she racked up a high-profile client list that includes Neutrogena, the company from which she gained her breakout spokesmodel role. If you're into video games, you've probably swooned over her as Mona Sax in Max Payne 2. You also might've caught a glimpse of her in blockbusters featuring the likes of Alec Baldwin and even Lindsay Lohan in Blue Jasmine and Just My Luck.

More recently, Kathy published her first novel, Not-Quite-Supermodel, loosely based on her come-up story as a young model just trying to make it (after never wanting to in the first place).

In this episode, Kathy spills on how the industry has changed, her understanding of personal finance before diving into such a precarious field of work, life in NYC with basically no budget and so much more.

Follow @kathyatong on Instagram and for more information on Not-Quite-Supermodel, please visit https://www.notquitesupermodel.com/.

To learn more about Kathy, check out https://kathytong.com/.

To get acquainted with your host, tap or click HERE.

To subscribe to The #SundayScroll ☕, Anastasia’s weekly newsletter, tap or click HERE.

To learn more about $HMONEY, visit shmoney.club and join us on...

Instagram: @shmoneyradio / @shmoneyhonies

Facebook: https://www.facebook.com/shmoneyradio

Sound credits: Levels by Yung Kartz ($HMONEY theme song - intro/outro music)

Edited and produced by Anastasia Barbuzzi, founder and creative director of $HMONEY ($HMONEY Radio).

"We all have a relationship with money, but one we don't work on."  - Erika Wasserman

81% of Americans are unsure why talking about money may be taboo, but many suffer stress from not speaking about their finances. That's where Erika Wasserman, Your Financial Therapist, comes in.

Erika has a Bachelor of Business Administration degree from the University of Florida and a graduate Certificate in Financial Therapy from Kansas State University. Armed with a Certified Financial Therapist CFT-I™ certification held by only 30 people worldwide, she is also the founder and CEO of Your Financial Therapist.

Since 2019, she's been combining her finance and international economics education with her passion for helping others, empowering individuals, couples, and companies to reshape how they think about money. In this episode, we discuss the following: 

• How religion can sabotage your money mindset 
• Why comparison is the thief of all joy and how to stop comparing yourself to others
• Financial infidelity 
• Deciphering whether or not you have financial trauma and how to define it
• Physical ailments that can be the result of money stress
• The top four emotions associated with money

And more! Financial therapy is still a new and growing field, but there's already so much to delve into. And let's be honest; everyone can use a bit of financial therapy.

To learn more about Erika, connect with her, or follow her on social media, tap or click HERE. 

To get acquainted with your host, tap or click HERE.

To subscribe to The #SundayScroll ☕, Anastasia’s weekly newsletter, tap or click HERE.

To learn more about $HMONEY, visit shmoney.club and join us on...

Instagram: @shmoneyradio / @shmoneyhonies

Facebook: https://www.facebook.com/shmoneyradio

Sound credits: Levels by Yung Kartz ($HMONEY theme song - intro/outro music)

Edited and produced by Anastasia Barbuzzi, founder and creative director of $HMONEY ($HMONEY Radio).

“Nepo baby: How could two little words cause so much conflict? A baby is a bundle of joy; a nepo baby is physical proof that meritocracy is a lie. We love them, we hate them, we disrespect them, we’re obsessed with them.”  - Nate Jones, Senior Writer at Vulture

In Jones' ever-popular 2022 feature on nepo babies, he writes that they've always been a fact of Hollywood: "Today, they're not only abundant — they're thriving. In an industry built on reboots, a famous last name can be valuable intellectual property."

So in a world where nepotism rewards the children of the rich and famous and, as a result, increases the wealth gap, how could we talk about money without mentioning nepo babies?

In this episode, Reni, the Resource, joins the conversation. Reni started her career in the Bank of Montreal's wealth management department, sending marketing materials to ultra-rich account holders. She began to wonder why only the most affluent people had access to that information, which sparked her curiosity about bringing it to social media for all to see. The rest is history.

Now a full-time content creator and financial literacy educator, Reni is changing the discourse around personal finance. She knows nepo babies are tired of being told they didn't work for what they have, but it doesn't change the fact that they constantly fail to acknowledge how their privilege benefits them.

So, buckle up! We get into how nepotism affects women and POC, some of the most outspoken nepo babies, and more.

To listen to Reni’s first episode of $HMONEY Radio, tap or click HERE.

To learn more about Reni, tap or click HERE.

To follow all of Reni’s social channels, find them listed HERE.

To get acquainted with your host, tap or click HERE.

To subscribe to The #SundayScroll ☕, Anastasia’s weekly newsletter, tap or click HERE.

To learn more about $HMONEY, visit shmoney.club and join us on...

Instagram: @shmoneyradio / @shmoneyhonies

Facebook: https://www.facebook.com/shmoneyradio

Sound credits: Levels by Yung Kartz ($HMONEY theme song - intro/outro music)

Edited and produced by Anastasia Barbuzzi, founder and creative director of $HMONEY ($HMONEY Radio).

"Financial independence is not just about freedom; it's about survival."  - Lina AbiRafeh

New York-based Doctor of Philosophy (Ph.D.) Lina AbiRafeh is a published author, women's rights expert, feminist activist, and gender equality advocate with over 25 years of experience in over 20 countries. Committed to building a better world for women, she has worked with the United Nations as its Gender-Based Violence In Emergencies Specialist. She is also the Senior Advisor and Former Executive Director of the Arab Institute for Women.

As a young girl, Dr. AbiRafeh and her family left Beirut for Saudi Arabia, then immigrated to Northern Virginia, where she had a self-described "unusual upbringing." She was quickly exposed to how women's history is a history of violence, "from fetus to funeral," which sparked her interest in women's rights. In this episode, we discuss Dr. AbiRafeh's path to embracing her anger over gender inequality and using it for good, as well as: 

• cultural forms of violence towards women
• the "angry woman" stereotype
• feelings about the words "resilience" and "empowerment"
• COVID as a leveller of women's experiences, particularly unpaid care
• how having an income is like "ammunition" and central to control
• how to "start where you stand"
• why financial independence is not just about gaining freedom but fighting for survival for women around the world

And much more! The bottom line: when you've got money, you've got choices.

To learn more about Lina and follow along with her work, tap or click HERE.

To listen to Lina on the Financial Feminist podcast (the episode I mention throughout our conversation), tap or click HERE. 

To get acquainted with your host, tap or click HERE.

To subscribe to The #SundayScroll ☕, Anastasia’s weekly newsletter, tap or click HERE.

To learn more about $HMONEY, visit shmoney.club and join us on...

Instagram: @shmoneyradio / @shmoneyhonies

Facebook: https://www.facebook.com/shmoneyradio

Sound credits: Levels by Yung Kartz ($HMONEY theme song - intro/outro music)

Edited and produced by Anastasia Barbuzzi, founder and creative director of $HMONEY ($HMONEY Radio).

“Let’s start a movement! A movement that encourages women to charge more and congratulates them when they do instead of shaming them. This movement starts with an honest conversation about your financial struggles. Tell your story. Talk openly and honestly about money. Proudly share your financial successes with other women and your past mistakes. 

Imagine if you could inspire your closest friends, your daughters, sister, aunt, mom, and other women who are important to you…to charge more? Imagine how this would change your family lineage, your community, and the world.

Each of those women can continue to expand the ripple to another woman and another. Little girls will grow up seeing that women are badass business owners who make their own money and lots of it! They will grow up expecting to open their own businesses, expecting to make lots of money, and expecting more for themselves in all ways.”  - Erin B. Haag,
Give Yourself a Raise: The Mindset and Math You Need to Get to Your First Million

That quote sums up the message of today's episode with Erin B. Haag, serial entrepreneur, mom, author, and creator of Pricing Overhaul. A self-proclaimed "math nerd," Erin has worked intimately with numbers, metrics, and pricing for large corporations and smaller, privately owned businesses for over 20 years. Today, she helps women gain control of their business finances so that they can do the jobs they love and pay themselves abundantly.

Together we discuss "fear of math," why telling girls they're good at math is important, why women often undercharge, why asking for more money and sticking to pricing is challenging, how inflation affects pricing, how we tie our self-worth to money, why encouraging women to pursue careers in finance is critical, and so much more.

To learn more about Erin and follow her, tap or click HERE.

To get a free peek at her new book, tap or click HERE.

To get acquainted with your host, tap or click HERE.

To subscribe to The #SundayScroll ☕, Anastasia’s weekly newsletter, tap or click HERE.

To learn more about $HMONEY, visit shmoney.club and join us on...

Instagram: @shmoneyradio / @shmoneyhonies

Facebook: https://www.facebook.com/shmoneyradio

Sound credits: Levels by Yung Kartz ($HMONEY theme song - intro/outro music)

Edited and produced by Anastasia Barbuzzi, founder and creative director of $HMONEY ($HMONEY Radio).