The Wallet

🌟 Maxime Carmignac is the Managing Director of Carmignac UK - an asset management firm with €41.7bn of assets under management. 

💸 Today, we talk about asset management, the ways in which women investors need to empower each other, tackling gender inequalities, and more. 

1/ Women are holding an increasing amount of money, yet they're still poorly addressed by the financial community, which is something Maxime is keen to change.

2/ Carmignac is a company owned by both the Carmignac family and their employees, and Maxime explains what asset management is and what it’s like to run a family business.  

3/ While women are less assertive than men, they also tend to focus on longer-term investment gains rather than short-term wins, and are more concerned with sustainable investing, so Maxime offers her investment advice to women as well as the importance of ESG.

You can follow and connect with Maxime at:

• https://www.carmignac.co.uk/ 
• Linkedin: https://www.linkedin.com/in/maxime-carmignac/ 

Our podcast sponsor Moneybox is an award winning app helping people reach their goals and build wealth with confidence. You can sign up in minutes with as little as £1. Download the Moneybox app today or go to moneyboxapp.com/vestpod for more information. Capital at risk. 

I’m Emilie Bellet, the founder of Vestpod - a thriving community that financially empowers women, author of You’re Not Broke, You’re Pre-Rich and host of The Wallet! You can learn more about Vestpod, join our events and subscribe to our newsletter at www.vestpod.com and on Instagram @vestpod. Join our private Facebook group: @vestpod. 

We want to open up a direct conversation with you on the podcast. You can submit a proud money moment, a question or a comment on a previous episode. You just need headphones and mic and email me the recording at [email protected].

* Please note that we are not certified, financial advisers! The articles and information made available on Vestpod and this podcast are provided for information and educational purposes only and do not constitute financial advice.*

Hosted on Acast. See acast.com/privacy for more information.

🌟Bonnie Lister Parsons is the founder and CEO of The School of SOS. Her mission is to empower a generation of Queens to believe in themselves, using dance as a source of strength, power and confidence which they can carry through to every aspect of their lives.

💸The exceptional energy and passion that Bonnie has for dance and empowering women is infectious. However, funding her 8-year strong business wasn’t always easy. After a long journey, Bonnie eventually raised an all-female investment round to take School of SOS to the next level.

💥 Today on The Wallet: 

1/ As a professional dancer, Bonnie knew how powerful dance could be in boosting self-confidence, and she talks about how she came about the idea of creating The School of SOS, as well as her initial fundraising journey.

2/ Raising money is laden with obstacles, so Bonnie discusses the stumbling blocks she came across while trying to fundraise, from the assumptions that everyone has wealthy family and friends to the unique challenges that women entrepreneurs face. 

3/ Starting a business always involves a level of risk, and Bonnie shares how she feels about taking a leap of faith into being a founder, as well as why she’s never had a business partner.

You can follow and connect with Bonnie at:

• Twitter @BonnieParsons
• Instagram @SchoolOfSOS

Some of our guests:

• Camille Deniau: https://projectrootsart.com/
• Carmel Dickinson: https://www.linkedin.com/in/carmel-dickinson-6673733/
• Claire Trachet: https://www.trachet.co/ 

Our podcast sponsor Moneybox is an award winning app helping people reach their goals and build wealth with confidence. You can sign up in minutes with as little as £1. Download the Moneybox app today or go to moneyboxapp.com/vestpod for more information. Capital at risk. 

I’m Emilie Bellet, the founder of Vestpod - a thriving community that financially empowers women, author of You’re Not Broke, You’re Pre-Rich and host of The Wallet! You can learn more about Vestpod, join our events and subscribe to our newsletter at www.vestpod.com and on Instagram @vestpod. Join our private Facebook group: @vestpod. 

We want to open up a direct conversation with you on the podcast. You can submit a proud money moment, a question or a comment on a previous episode. You just need headphones and mic and email me the recording at [email protected].

* Please note that we are not certified, financial advisers! The articles and information made available on Vestpod and this podcast are provided for information and educational purposes only and do not constitute financial advice.*

Hosted on Acast. See acast.com/privacy for more information.

🌟Vicky Spratt is a writer, journalist, activist and campaigner whose work regularly shapes public policy. She is currently the i Paper's Housing Correspondent and is a writer and editor at Refinery29. Her campaign, Make Renting Fair, highlighted the plight of ‘Generation Rent’ and succeeded in getting letting fees for tenants in England banned. 

💸 Today, we talk to Vicky about housing and social justice, the British dream of homeownership, and more. 

1/ Vicky is passionate about getting as many people to read about important things as possible, so we trace her journey and what made her so dedicated to highlighting the flaws in the housing system.

2/ The gender housing gap is yet another obstacle that women have to face, and Vicky tells us a bit more about the issue as well as how we should tackle it.

3/ The dream of owning a property is real, but it’s also completely out of reach for so many. We address the problems with the housing market, the role that privilege plays in buying a home, as well as the practical things you can do to try to save up for a place of your own.

You can follow and connect with Vicky at:

• Instagram: https://www.instagram.com/vicky.spratt/ 
• Twitter: https://twitter.com/Victoria_Spratt 

Resources:

• Book: Tenants https://www.waterstones.com/book/tenants/vicky-spratt/9781788161275 

Our podcast sponsor Moneybox is an award winning app helping people reach their goals and build wealth with confidence. You can sign up in minutes with as little as £1. Download the Moneybox app today or go to moneyboxapp.com/vestpod for more information. Capital at risk. 

I’m Emilie Bellet, the founder of Vestpod - a thriving community that financially empowers women, author of You’re Not Broke, You’re Pre-Rich and host of The Wallet! You can learn more about Vestpod, join our events and subscribe to our newsletter at www.vestpod.com and on Instagram @vestpod. Join our private Facebook group: @vestpod. 

We want to open up a direct conversation with you on the podcast. You can submit a proud money moment, a question or a comment on a previous episode. You just need headphones and mic and email me the recording at [email protected].

* Please note that we are not certified, financial advisers! The articles and information made available on Vestpod and this podcast are provided for information and educational purposes only and do not constitute financial advice.*

Hosted on Acast. See acast.com/privacy for more information.

☎️ In today’s episode, I speak to Krystle about how we can all learn to fall in love with finance.

💸 Do you find yourself filling up with dread when you hear the word ‘finance’? You’re not alone! I speak to founder of Mind Over Money,  Krystle McGilvery, on how to start embracing finance to improve your financial acumen, money confidence, and decision-making.

💥 Today on The Wallet: 

1️⃣Understand why you shouldn’t worry about ‘knowing it all’ and the importance of having fun exploring your subconscious self. 

2️⃣Find out how to discover your money stories and narratives that might be hindering your progress.

3️⃣How to associate money with positive things - and actively put yourself out there.

Resource mentioned in the episode:

Krystle McGilvery: Website | LinkedIn | Instagram

Mind Over Money: Website | LinkedIn| Instagram

Our podcast sponsor Moneybox is an award winning app helping people reach their goals and build wealth with confidence. You can sign up in minutes with as little as £1. Download the Moneybox app today or go to moneyboxapp.com/vestpod for more information. Capital at risk. 

I’m Emilie Bellet, the founder of Vestpod - a thriving community that financially empowers women, author of You’re Not Broke, You’re Pre-Rich and host of The Wallet! You can learn more about Vestpod, join our events and subscribe to our newsletter at www.vestpod.com and on Instagram @vestpod. Join our private Facebook group: @vestpod. 

We want to open up a direct conversation with you on the podcast. You can submit a proud money moment, a question or a comment on a previous episode. You just need headphones and mic and email me the recording at [email protected].

* Please note that we are not certified, financial advisers! The articles and information made available on Vestpod and this podcast are provided for information and educational purposes only and do not constitute financial advice.*

Hosted on Acast. See acast.com/privacy for more information.

🌟Diana Biggs is on a mission to explore the future of finance and technology. She worked for HSBC as their first Global Head of Innovation, and is currently a Board Member of the World Economic Forum’s Digital Leaders of Europe Community and an Associate Fellow of the Said Business School at University of Oxford.

💸 Today, we tap into Diana’s expertise and passion for blockchain technology and the digitalisation of financial services.

1/ Cryptocurrencies have a wider impact beyond potentially bringing returns – they are often seen as a game-changer for the financial industry, and Diana tells us why this attracted her to the space.

2/ Diana discusses why it’s important to have optimism for the future and for building completely new systems, and the impact these new systems may have on us as consumers. 

3/ As things continue to change, and an increasing number of people want to learn about Web3, Diana tells us why it’s an exciting opportunity, but also why it’s important to stay grounded and see the bigger picture.

You can follow and connect with Diana at:

• https://dianabiggs.com/
• Twitter @DianacBiggs

Our podcast sponsor Moneybox is an award winning app helping people reach their goals and build wealth with confidence. You can sign up in minutes with as little as £1. Download the Moneybox app today or go to moneyboxapp.com/vestpod for more information. Capital at risk. 

I’m Emilie Bellet, the founder of Vestpod - a thriving community that financially empowers women, author of You’re Not Broke, You’re Pre-Rich and host of The Wallet! You can learn more about Vestpod, join our events and subscribe to our newsletter at www.vestpod.com and on Instagram @vestpod. Join our private Facebook group: @vestpod. 

We want to open up a direct conversation with you on the podcast. You can submit a proud money moment, a question or a comment on a previous episode. You just need headphones and mic and email me the recording at [email protected].

* Please note that we are not certified, financial advisers! The articles and information made available on Vestpod and this podcast are provided for information and educational purposes only and do not constitute financial advice.*

Hosted on Acast. See acast.com/privacy for more information.

💸 Investing is key to building financial independence and reach long term goals. When you invest over a long period, you want your money to outpace inflation (the price of goods and services is increasing every year) and benefit from compound growth. While it’s essential to have ‘rainy day’ cash savings, playing it safe by stashing your money in low-interest-rate savings accounts is actually risky because that money will lose value over time.

💥 Today on The Wallet: 

1️⃣Investing can feel complex, laden with alienating jargon and sounds like something only others are good at – but I explain why this isn’t the case.

2️⃣Before you start investing, it’s vital you ask yourself how long you’re willing to invest for. The longer your timeframe, the more volatility you should be able to deal with because you’d have more time to recover from any lows. Start small and invest regularly.

3️⃣I explain why asking questions and giving yourself praise are super important to everyone’s investing journey. 

Resource mentioned in the episode:

• The Wallet Live recording in London at Mortimer House: https://www.eventbrite.co.uk/e/live-podcast-recording-the-wallet-london-pod-tickets-305074946377 
• Vestpod POD groups: https://www.eventbrite.co.uk/o/vestpod-16058437670  
• Vestpod Facebook group: https://www.facebook.com/vestpod  
• Breaking Down Robo-Advisers And Understanding Your Investments: https://www.vestpod.com/news/2021/11/10/wallet-hotline-breaking-down-robo-advisers   
• The Wallet, Investing beats Day Trading: https://www.vestpod.com/news/2020/12/10/investing-beats-day-trading-f6q3   

Our podcast sponsor Moneybox is an award winning app helping people reach their goals and build wealth with confidence. You can sign up in minutes with as little as £1. Download the Moneybox app today or go to moneyboxapp.com/vestpod for more information. Capital at risk. 

I’m Emilie Bellet, the founder of Vestpod - a thriving community that financially empowers women, author of You’re Not Broke, You’re Pre-Rich and host of The Wallet! You can learn more about Vestpod, join our events and subscribe to our newsletter at www.vestpod.com and on Instagram @vestpod. Join our private Facebook group: @vestpod. 

Submit a question or a comment and email us the recording: [email protected].

* Please note that we are not certified, financial advisers! The articles and information made available on Vestpod and this podcast are provided for information and educational purposes only and do not constitute financial advice.*

Hosted on Acast. See acast.com/privacy for more information.

🌟Alex Stedman started The Frugality in 2012, after spending 15 years working in the fashion media industry. With over a quarter of a million followers, she’s a mum-of-two offering accessible tips on smart spending and saving up for things you really love.

🌳We talk about building a sustainable business you love, tips on managing your finances, the challenges of being a freelancer and a parent, and how to stand up for yourself and try not to please everyone. 

1/ A lot of people think that being frugal is cheap. It's not. It's getting the most enjoyment out of everything, making things last, and really understanding and appreciating the value of things.

2/ Growing her company very organically, it's now about getting to the next level and delegating work to have a higher earning capacity.

3/ Sometimes we use the term “maternity leave”, as this general broad term, but for a freelancer, it doesn't really exist. It's just time off if you want to take it and not get paid. 

You can follow and connect with Alex at:

• Instagram: https://www.instagram.com/alexandra.stedman/
• https://the-frugality.com/ 

Resources mentioned in the episode:

• Instagram: https://www.instagram.com/thefrugality/ 
• Pensions for freelancers: https://the-frugality.com/everything-you-need-to-know-about-pensions/ 

Join us at the live recording on April 29th: https://www.eventbrite.co.uk/e/live-podcast-recording-the-wallet-london-pod-tickets-305074946377?ref=eios

Our podcast sponsor Moneybox is an award winning app helping people reach their goals and build wealth with confidence. You can sign up in minutes with as little as £1. Download the Moneybox app today or go to moneyboxapp.com/vestpod for more information. Capital at risk. 

I’m Emilie Bellet, the founder of Vestpod - a thriving community that financially empowers women, author of You’re Not Broke, You’re Pre-Rich and host of The Wallet! You can learn more about Vestpod, join our events and subscribe to our newsletter at www.vestpod.com and on Instagram @vestpod. Join our private Facebook group: @vestpod. 

We want to open up a direct conversation with you on the podcast. You can submit a proud money moment, a question or a comment on a previous episode. You just need headphones and mic and email me the recording at [email protected].

* Please note that we are not certified, financial advisers! The articles and information made available on Vestpod and this podcast are provided for information and educational purposes only and do not constitute financial advice.*

Hosted on Acast. See acast.com/privacy for more information.

☎️ In today’s episode, I answer a question I received on Vestpod’s Instagram: What can you do when you’re feeling stuck about money?

💸 While I would always advise you to find some form of professional help, here are some pointers you can try:

1️⃣ Find a support system, whether just one other person or an entire group. A great place to start could be to talk to a financial professional. 

2️⃣ Take control back by setting aside a specific time to know your numbers and check where is your money going. 

3️⃣ Creating a budget means tracking and being more mindful about your spending.

Resources:

• StepChange: https://www.stepchange.org/ 
• Citizens Advice: https://www.citizensadvice.org.uk/ 
• Vestpod POD groups: https://www.eventbrite.co.uk/o/vestpod-16058437670 
• Hotline #11: https://play.acast.com/s/the-wallet/how-to-untangle-money-issues-and-mental-health 

Recommended books: 

• “Mind over money” 
• “The psychology of money”
• "You Are a Badass at Making Money"
• "The Index Card: Why Personal Finance Doesn't Have to Be Complicated"
• What Women Want (report by CPP): https://www.progressive-policy.net/publications/what-women-want 

Our sponsor Moneybox is an award winning app helping people reach their goals and build wealth with confidence. You can sign up in minutes with as little as £1. Download the Moneybox app today or go to moneyboxapp.com/vestpod for more info. Capital at risk. 

I’m Emilie Bellet, founder of Vestpod - a community that financially empowers women, author of You’re Not Broke, You’re Pre-Rich and host of The Wallet! Join our events and subscribe to our newsletter at www.vestpod.com and on IG @vestpod. Join our private FB group: @vestpod. 

Submit a question by recording a voice note on your phone and emailing it to [email protected].

*Please note that we are not certified, financial advisers! The articles and information made available on Vestpod and this podcast are provided for information and educational purposes only and do not constitute financial advice.*

Hosted on Acast. See acast.com/privacy for more information.

In 2017, Farah Kabir launched HANX, the sexual wellness brand with women in mind with her childhood friend Sarah. HANX sells a range of products, from their award-winning ultra-thin, vegan, biodegradable condoms to oestrogen-free hormonal contraception. Now stocked online and in Boots, Sainsbury's and other major UK retailers, they are genuinely disrupting the feminine care industry.

⚡Farah is passionate about creating a platform that empowers women to take control of their sexual wellness and pleasure without shame or embarrassment. Before HANX, Farah spent six years working at Goldman Sachs. In this episode, we talk about leaving a secure banking job to launch HANX; the realities of raising money; tips for negotiating with big clients; and the ongoing balancing act of being a founder:

1/ Communication is key while doing investment raises. When you’re open with your team about it, they remind you why you're doing what you're doing and are also there to support you. 

2/ Retail sales is quite similar to investment raising: you can't just turn up when you need funds. You need to nurture that relationship with buyers. You’ve got to build that rapport and keep that going. 

3/ For anyone that asks about jumping ship from their job and starting their own business, I always say it needs to be a calculated risk. You need to have a buffer for the rainy day when you might be financially strapped.

You can follow and connect with Farah at:

• https://www.hanxofficial.com/ 
• LinkedIn: https://www.linkedin.com/in/farahkabir001/ 
• Instagram @hanxofficial

Our podcast sponsor Moneybox is an award winning app helping people reach their goals and build wealth with confidence. You can sign up in minutes with as little as £1. Download the Moneybox app today or go to moneyboxapp.com/vestpod for more information. Capital at risk. 

I’m Emilie Bellet, the founder of Vestpod - a thriving community that financially empowers women, author of You’re Not Broke, You’re Pre-Rich and host of The Wallet! You can learn more about Vestpod, join our events and subscribe to our newsletter at www.vestpod.com and on Instagram @vestpod. Join our private Facebook group: @vestpod. 

We want to open up a direct conversation with you on the podcast. You can submit a proud money moment, a question or a comment on a previous episode. You just need headphones and mic at the ready and follow this link (https://telb.ee/abrzt) or email me the recording at [email protected].

* Please note that we are not certified, financial advisers! The articles and information made available on Vestpod and this podcast are provided for information and educational purposes only and do not constitute financial advice.*

Hosted on Acast. See acast.com/privacy for more information.

☎️Carla Hoppe spent the past 15 years as a corporate lawyer and tax advisor, and is now the founder of Wealthbrite. She is also the voice behind the popular Rethink Tax account on Instagram. 

💸 In this episode, we explore why so many of us want to run for the hills when we hear the word ‘taxes’, learn easy tips and tricks that will help you understand taxes better, and understand the ways in which taxes will be changing this year. 

💥 Today on The Wallet: 

1️⃣ It’s common to feel anxious about tackling your taxes but learning the basics of how it works helps ease some of that stress, so Carla shares what steps you can take to ease the burden of filling out a tax return.

2️⃣ National Insurance (NI) payments are changing in April, and Carla helps us understand what this means for you in a practical sense, and how to plan ahead.

3️⃣The end of the tax year is approaching, which is the perfect time to address your finances, so Carla highlights what you can think about and do in the run-up.

You can follow and connect with Carla at:

• https://www.wealthbrite.co.uk 
• Instagram: @wealthbrite @rethink_tax

Resources:

• Check your Council Tax band: https://www.gov.uk/council-tax-bands 
• Check your National Insurance record: https://www.gov.uk/check-national-insurance-record 
• Claim Child Benefit: https://www.gov.uk/child-benefit 

Our podcast partners PensionBee are also offering you a £25 pension contribution (£20, plus £5 in tax relief) when you sign up. To claim the offer, follow this link: https://www.pensionbee.com/vestpod. Capital at risk. 

I’m Emilie Bellet, the founder of Vestpod - a thriving community that financially empowers women, author of You’re Not Broke, You’re Pre-Rich and host of The Wallet! You can learn more about Vestpod, join our events and subscribe to our newsletter at www.vestpod.com and on Instagram @vestpod. Join our private Facebook group: @vestpod. 

We want to open up a direct conversation with you on the podcast. You can submit a proud money moment, a question or a comment on a previous episode. You just need headphones and mic at the ready and follow this link (https://telb.ee/abrzt) or email me the recording at [email protected].

* Please note that we are not certified, financial advisers! The articles and information made available on Vestpod and this podcast are provided for information and educational purposes only and do not constitute financial advice.*

Hosted on Acast. See acast.com/privacy for more information.