💥 Michelle craved acceptance and belonging so deeply, it drove her into serious financial trouble.

Despite juggling multiple jobs, she found herself buried in:

• 💳 Personal loans
• A 4th repossession
• 💔 Financial trauma

📉 She wasn’t lazy. She worked hard. But the numbers never added up.

The turning point? Hitting rock bottom and having a brave moment of honesty and accountability.

💡 In this episode #105, we talked about:

• How financial illiteracy is a hidden barrier that keeps people stuck
• The role of our environment, fears, and internalized beliefs in shaping our money mindset
• How financial instability affects our mental, emotional, and physical health
• Her memoir "Bluebirds" which is a call to action to face reality, speak up and ask for help
• Why financial education must become a priority in social justice—because we can’t fix what we don’t talk about.

Michelle also dives into her vision for #stability: 🌍 Launching free financial literacy programs this fall in Atlanta, then Mississippi 🚀 Her dream: Headquarters in every major U.S. city

This is more than a conversation. It’s a movement.

🎓💰 Why Student Loans Are More Than Just a Personal Issue

This week on @Money Chill Out podcast, we tackle a topic affecting 45 million Americans and counting — student loans — with @Cédric Howard.

📊 With $1.7 trillion in debt and average balances nearing $29,000, this isn’t just a financial problem — it’s a political, planning, and priority issue.

In this episode #104, we unpack: ✅ Why state funding cuts triggered a tsunami of student debt ✅ Misconceptions — yes, anyone can end up with student loans ✅ The true cost of borrowing at 8–16% interest rates ✅ Smart strategies to manage or defer payments ✅ Why forgiveness is politically powerful — but not always fair ✅ What the future might hold: more applied, hybrid learning paths

💡 “Don’t let your loan consume you. Use the same drive that got you the degree to pay it off.”

Whether you’re paying off debt, planning for college, or curious about the system, this episode offers clarity, perspective, and hope.

💔 From 1m Profit to Bankruptcy — and the Powerful Rebuild That Followed

This week, we dive into the rollercoaster journey of @charline Goutal, an inspiring entrepreneur behind Naia Paris, a bold French lingerie brand that dared to redefine femininity — joyful, confident, and unapologetically real.

🎧 It’s a raw and inspiring conversation about:

✨ Building a brand with soul — Made in France, expanded into loungewear, swimwear, and ready-to-wear ✨ Hitting €1M in profit,

✨ Suffering endless external shocks : A business partner’s sudden departure, social unrest, and COVID

✨ Facing the unthinkable: bankruptcy. ✨ The emotional toll of losing the company she built with love ✨ Letting go — not as failure, but as survival ✨ Rebuilding from scratch with more maturity, humility, and purpose

At 34, she found herself back at her parents’ house, baby in arms and broke

Four years later, she’s launched a new venture — stronger, softer, and unapologetically wiser.

💬 “You didn’t do anything wrong. You tried your best.”

This episode is for every entrepreneur navigating uncertainty, the highs and the lows of business, burnout or reinvention. It’s honest, healing, and deeply human.

“You need to money to live so it’s better to love what you need!” ❤️

In my latest Money Chill Out episode, I sit down with Vanessa Mindset, a former banker turned money coach, who knows firsthand how our beliefs about money shape our reality.

🚀 Her journey? From poverty and money anxiety, she now feels comfortable and financially secured. She didn’t just learn about money—she mastered the psychology behind it.

🔥 Her approach? ✅ Laughing around money—because adding more anxiety doesn’t help! ✅ Tackling emotional spending and subconscious money blocks. ✅ Challenging financial myths (like the pressure of 50/50 in relationships!)

💡 Her #1 lesson? You change what you think, you change who you are—and your financial reality follows.

💭 Think financial fairness means splitting everything 50/50? It’s time to rethink that.

The truth is, it’s an illusion to contribute 50/50 all the time—and that’s okay. What matters is equity, not equality in how couples manage money.

On today’s episode of Money Chill Out, I’m thrilled to welcome Marie Lahya, founder of À parts égales, to explore how couples can build a fair financial approach that works for both partners.

🎙️ Episode #102 – What We Cover:

🔹 Why Marie Lahya became passionate about personal finance

🔹 The key difference between equity vs. equality in money matters

🔹 How an equitable approach makes daily financial decisions easier

🔹 Tips for opening a healthy financial discussion with your partner

🔹 How she approaches real estate investments as a couple

💡 This conversation will challenge your thinking about money in relationships. I urge you to listen and reflect on how you and your partner handle finances!

🎉 Money Chill Out Podcast: EPISODE #100! 🎙️✨

Wow… can you believe it? 100 episodes! When I started this journey, I had no idea where it would lead, but here we are—four years later, still inspired, still learning, and still growing.

This milestone wouldn’t have been possible without YOU—our amazing listeners.

Whether you’ve been tuning in since day one or just discovered the podcast, I appreciate every single one of you. Your support, feedback, and enthusiasm fuel this journey!

To celebrate, I’m doing something different for this special episode. Usually, I’m the one asking the questions, but this time, I’m sharing my own story. In an exclusive interview, I open up about:

💡 How I built my coaching business from scratch

💰 The mindset shifts that changed my approach to money & entrepreneurship

🌍 My journey from London trading floors to coaching clients across five continents

⚡ The key lessons I’ve learned from working with people at every stage of their financial journey

This podcast started as a passion project—a way to bring financial literacy, empowerment, and money peace of mind to more people. And today, it’s grown into something much bigger: a community, a conversation, and a tool for real transformation.

So here’s to 100 episodes down—and many more to come! 🚀

This is the story of an unusual kid🎙️

At just 7 years old, Charlie set a goal: financial freedom. By 12, he was doing small jobs. By 16, he was working. By 18, he bought his first house. By 21, he was financially free.

💡 But here’s the twist—money was never the goal. Freedom was.

Now that he has it, how does he ensure he doesn’t feel lost?

In Money Chill Out #99, we dive deep into:

✅ His incredibly intentional journey

✅ What helped him achieve financial freedom so young

✅ How he avoids the “now what?” trap

✅ What he’d do differently if he could start over

✅ Why excuses are dream killers

✅ The importance of structuring your time

Loss & Financial Survival: A Must-Listen Conversation 💰

At 40, Donna became a widow with three young kids. In the midst of grief, a few key things saved her financially: a solid financial advisor and life insurance. Now, she dedicates her work to helping families navigate major financial transitions.

On Episode #98 of the Money Chill Out Podcast, we had an eye-opening discussion about:

🎙️ The crucial role of life insurance

🎙️ Financial surprises that come after a spouse’s passing

🎙️ Her widowhood guide

🎙️ How to protect your family’s future

🎙️ The financial decisions she would have made differently

🎙️ Why prenups matter when you (re)marry

This episode is packed with real-life insights that could make all the difference in a family’s financial security.

"Am I going to be okay?"

This is, without a doubt, the most frequently asked question in financial planning. It often comes in different forms:

💰 Can I afford to retire when I want to?

🏡 Can I maintain my current lifestyle?

For Money Chill Out, I had the pleasure of welcoming Lee, a lifestyle financial planner, to dive deep into these questions.

In this episode #97, we discussed:

🔹 How financial planning has evolved over the past two decades

🔹 The essence of lifestyle financial planning

🔹 Key aspects of building a solid roadmap

🔹 Unique financial considerations for expats

🔹 The big question: How much is enough?

Tune in for valuable insights that could help you take control of your financial future!

Music is a universal language— it’s everywhere, shaping culture and inspiring millions. But behind the fame and fortune, valuable money lessons must be learned.

That’s exactly why Money Chill Out Podcast episode # 96 dives into the wins and fails of music legends to bring personal finance insights to life.

With Drew Boyer, CFP®, author of Hip Hop and Finance, we discussed his book packed with fascinating success stories and cautionary tales from the music industry. Whether you're a die-hard music fan or just looking for smart financial advice, there’s something in it for you!