The Financial Diet

the row sample sale has completely taken over tiktok. let's talk about it.

Watch our October video essay, Why Everything Is So Cheap (But So Expensive): https://youtu.be/ldCF_rP6oh0

Watch our interview with Heather Hurst - De-Influencing, Consumerism, And How To Shop In A Broken System: https://youtu.be/xdu990nba1w?si=I75EZJJ9tfJmYDwQ

TO GET YOUR $$$ TOGETHER, WE PERSONALLY ENDORSE:

Budgeting - Monarch: https://bit.ly/4hGviIS

Investing - Betterment: https://bit.ly/1031iphonevid

Financial advisor - Advisor.com: https://bit.ly/CF1031vid

Thanks to our good friends at Advisor.com for sponsoring this series! Schedule a FREE consultation call with Advisor today and never make another financial decision alone! Get $500 off your first year with them by signing up through TFD. Take this short quiz to get started: https://bit.ly/JGGepi2

Welcome to our brand new series, Just Getting Good, where Chelsea sits down with women over 50 to talk about life, love, money, aging, and everything in between.

For our second episode, we sat down with the wonderful Lindsay who spoke very candidly about motherhood, building a career as a working mom, finding your identity through all of life's season, beauty standards, and dating in your 50s. We loved speaking with Lindsay, and know you'll enjoy this episode!

Thank you so much to Lindsay for speaking so candidly with us! You can follow her accounts here: https://www.instagram.com/lindsayowenny/?hl=en

https://www.instagram.com/lindsayowenrealestate/

OTHER FINANCIAL PRODUCTS WE PERSONALLY ENDORSE:

For investing - Betterment https://bit.ly/JGGepisode02

Our favorite budgeting app - Monarch https://bit.ly/JGGepi4

We have new episodes dropping every Thursday! Come back for more!

Want to support TFD? One of the best ways is to join our membership program, The Society at TFD — join at the premium tier and get instant access to our latest member podcast, RomComOnomics! You can become a member here on YouTube or over on Patreon (we recommend Patreon for a better user experience!) — Join here: https://bit.ly/46jmyUE

EPISODE SUMMARY:

00:00 Intro

01:27 Ad Break

03:36 Interview begins

04:30 When life started feeling “good”: mid–late 40s after kids and identity shift

05:21 Years as stay-at-home mom; feeling invisible and deprioritized

05:45 Return to work, rising success, divorce, and rebuilding self

06:09 What a better relationship with self looks like—ongoing work

06:45 Mostly single the past five years; higher standards and comfort alone

07:11 Redefining goals beyond marriage; forgiving self and valuing inner success

08:21 Success as a whole life, not just work or relationship status

08:29 Divorce talk: fears, stigma, and being “poster girl” among friends

09:04 Advice to those considering divorce: try everything, own your part, therapy

10:18 Son’s candid remark as catalyst to leave and model healthier love

11:34 Modeling a happy single life as better parenting

12:13 Rebuilding career: why real estate at 44 and immigration constraints

13:33 Picking real estate for flexible path and income potential

15:22 Kids’ ages then; emotional load; daughter’s “time to work” moment

16:46 Why real estate can be a helping profession and deeply satisfying

18:00 Parallels: midwifery and real estate are both about transitions

19:26 A client story that “changed our lives”

20:11 Homebuying question: treating it as an emotional and financial decision

20:59 Case for homeownership: live in your investment, leverage, tax benefits

21:31 Time horizon matters; long hold vs. quick flip

23:45 Her 2019 purchase, rates context, and market quietness

24:20 Approaching empty nest: timing, appreciation, and retirement planning

25:05 Practical rule: you live in the payment, not the price

25:46 Having kids in mid-30s; late college; non-linear path

27:44 Parenting surprises: best of times, worst of times

28:55 Postpartum identity shock; loving baby while grieving former self

32:01 “Conspiracy of moms”: it’s wonderful and really hard

33:45 Did divorce enable identity? Reclaiming preferences and voice

35:29 Running, music, and deliberately rediscovering “what do I like?”

36:49 Intentional life design through stories, community, and curiosity

37:24 Dating at 52: the app treadmill and social attitudes

38:04 Dating pools: lifelong singles vs. divorcés; wishing for “ex-references”

39:26 Tactic: FaceTime screens save time and energy

40:03 Age-gap dynamics; many men avoid same-age women

41:02 How older-man/younger-woman differs from older-woman/younger-man

42:51 Power, challenge, and why some men prefer younger partners

45:37 Opening the aperture without settling; guarding her peace

47:40 Beauty and aging philosophy; has she had work done?

48:05 Past Botox/filler experiments; choosing natural lately

48:42 Modeling messages for her daughter; embracing emerging white hair

50:02 Teens’ vote: “don’t dye it”—encouragement to stay natural

51:19 Viral street interview; “sunray eyes” and reframing wrinkles

52:14 Temptation vs. values: facelift content and targeted ads

53:59 Culture’s message: “too old to love” and resisting it

54:59 Vision for aging: long white hair, laugh lines as life’s map

55:21 Rapid-fire begins

55:27 Aging insight: layered memories colliding across time

57:03 Money lesson: start now; compounding and property appreciation

57:30 Relationship lesson: partners need separate lives and interests

58:22 Advice to 30-something single, child-free, not “there” financially

59:33 Life is long; start retirement investing early but drop the deadlines

Thanks to Betterment for sponsoring this video! Get started, be invested, Sign up in minutes: https://www.betterment.com/influencer/the-financial-diet?utm_campaign=INF&utm_medium=paid_social&utm_source=Instagram&utm_content=tfdinvesting

In our October, 2025 video essay, Chelsea breaks down how almost everything has gotten cheaper in quality over time — from our food and furniture to the clothes we wear. What happens when products are designed to fall apart, and “more” becomes the default? We explore how planned obsolescence, fast fashion, and cost-cutting have changed the way we shop, live, and value the things we own.

Special thanks to:

-Paige Pritchard, Founder of Overcoming Overspending https://www.instagram.com/overcoming_overspending/?hl=en

-Elliot Duprey, Fashion advisor https://www.instagram.com/elliotduprey/?hl=en

SOURCE LINKS:

https://www.fashionbeans.com/article/clothing-quality-decline/ https://www.nytimes.com/2024/04/26/business/self-storage-business.html

https://www.ellenmacarthurfoundation.org/fashion-business-models/overview

https://www.tiktok.com/t/ZTMRVyV8E/

https://www.tiktok.com/t/ZTMRVDwCk/

https://www.tiktok.com/t/ZTMRVruDR/

https://sustainabilitymag.com/articles/shein-temu-will-new-french-laws-change-fast-fashion, https://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=202320240SB244

https://www.cnn.com/2025/06/13/style/why-luxury-brands-are-so-expensive

https://qz.com/189904/the-case-for-fewer-but-better-clothes

https://www.forbes.com/sites/brookerobertsislam/2024/10/02/high-end-fashion-no-more-durable-than-fast-fashion-report-discovers/

https://www.vox.com/money/23728283/luxury-designer-boom-nike-lvmh-pandemic-le-creuset

https://www.travelandleisure.com/hotels-cheaper-than-airbnbs-7971657

https://www.tiktok.com/@faganchelsea/video/7550085106665409795

https://www.tiktok.com/@faganchelsea/video/7555973757328837910

https://www.kiplinger.com/personal-finance/travel/deltas-new-limits-on-sky-club-lounge-access-are-now-in-effect-heres-what-travelers-need-to-know

https://www.health.harvard.edu/blog/what-are-ultra-processed-foods-and-are-they-bad-for-our-health-2020010918605

https://linkinghub.elsevier.com/retrieve/pii/S0749379725000728

https://www.architecturaldigest.com/story/kim-kardashian-kanye-west-home

TIME STAMPS:

00:00:00 Intro

00:02:00 Ad Break

00:06:34 Chapter 1: Things Weren't Always This Cheap

00:15:07 Chapter 2: The Death Of The Investment Piece

00:29:12 Chapter 3: Everyone Will Travel, And No One Will Like It

00:40:48 Chapter 4: Why Do We All Live In Barbie Dream Houses Now

00:47:35 Chapter 5: Food Quality, A Very Yummy Dystopia

00:51:30 Chapter 6: Performative Minimalism, The Ultimate Luxury

#neurodivergent #neurodiversity #neurodiversityaffirming #neurodiversityawareness #neurodiverse #community #communitysupport #communityengagement #communitybuilding #friendship #friends #gatherings #gathering #ADHD #autism

#financialinfidelity #divorce #divorceover50 #womenover50 #selfcare #selflove #aging #aginggracefully #agingwell #cheating #cheatingstory #cheater #friends #femalefriendships #femalefriendship #community #friendship #friendshipgoals