Wealth B-Hers

Is It Really About the Money? In this episode, Dr. Froe sits down with Chelsea Williams, an accountant, speaker, and host of Always and Never About Money, to explore how our money struggles often have little to do with money.

Chelsea's story demonstrates how our self-esteem, mindset, and past experiences shape our financial lives, spanning experiences from learning basic budgeting on public transport to building complete financial systems. This provides useful strategies, new perspectives, and a revitalized sense of opportunity, particularly for women entering the Great Wealth Transfer.

00:00 Money memories, curbside toys & early beliefs

06:00 A bus driver's lesson that changed her life

10:00 Becoming a mom and the start of a mission

17:00 Discovering accounting and building value

25:00 From employee to VP to entrepreneur

35:00 Why women feel behind, and why we're not

45:00 Mindset, negotiation & claiming your worth

💼 Be the Boss of Your Own Money. Own Your Future.

You were born to build more than just wealth—to lead, inspire, and rise. At WealthBuildHers, we're redefining what it means to be financially fearless. Join a movement of bold women investing with intention, building legacies, and rewriting money rules.

Ready to take the first step?

Connect with us today:

Website: moneywithmission.com

LinkedIn: https://www.linkedin.com/in/moneywithmission/

Connect with Chelsea!

Website: moneymastery.work

LinkedIn: https://www.linkedin.com/in/chelseamwilliams-chieffinancialarchitect

Key Quotes:

"Money is a mirror. There is no such thing as a money problem—just a problem showing up in your money." – Chelsea Williams

"We've only been in the financial algorithm for 1% of its life—give yourself grace." – Chelsea Williams

What if your journey to financial freedom began with a Craigslist roommate and a condo covered in shag carpet?

In this episode, I had the pleasure of speaking with Jessie Lang, a woman who accidentally found her way into real estate and went on to build a thriving investment business. Jessie didn't come from wealth and didn't have a roadmap. But she took one intentional step at a time, starting with renting out a spare room, and that small move sparked everything.

We talk about how she walked away from her W-2 job with no backup plan, built a portfolio of 75 rental doors, and now empowers others to build wealth through real estate. Jessie's story is honest, inspiring, and a powerful reminder that you don't need to have it all figured out to begin. You just need to take that first step.

00:00 How Jessie "accidentally" became a landlord

05:00 Childhood lessons & early money mindset

10:00 Buying her first property with $3K in savings

15:00 House hacking + quitting her job with no plan

20:00 From wholesaling to long-term rentals

25:00 Learning the BRRRR method & building systems

30:00 Managing properties + walking away from bad deals

💼 Be the Boss of Your Own Money. Own Your Future. You were born to build more than just wealth—to lead, inspire, and rise. At WealthBuildHers, we're redefining what it means to be financially fearless. Join a movement of bold women investing with intention, building legacies, and rewriting money rules.

Ready to take the first step?

Connect with us today:

Website: moneywithmission.com

LinkedIn: https://www.linkedin.com/in/moneywithmission/

Connect with Jessie!

Instagram: @jessielangofficial

Grab her Book: Rentals Made Easy https://a.co/d/hAegcXI

Facebook Group: https://urlgeni.us/facebook/unlockedguide

Free BRRRR Mini Course: https://www.unlockedrentals.com/minicourseoptin

Key Quotes:

"I just knew that rich people bought real estate… so I figured I'd start now." – Jessie Lang

"I didn't even realize I was house hacking. I just knew I didn't want to pay the mortgage alone." – Jessie Lang

Let's take a moment to explore the powerful and often overlooked history of women and money in America. This journey has been marked by bold shifts, surprising setbacks, and undeniable progress. The path has been anything but linear from the 1862 Homestead Act to women now leading Fortune 500 companies.

This isn't just a look back; it's a reminder that your wealth-building journey is part of something bigger. When we understand the laws that shaped us, like the Equal Credit Opportunity Act of 1974, and celebrate pioneers like Madam C.J. Walker, we begin to see that financial independence isn't just about money. It's about power, legacy, and rewriting the future.

Why does this matter now? I believe every woman deserves the financial power to walk away from any job or relationship that isn't serving her. This episode is a reminder that we're not just chasing wealth, we're building freedom.

Let's keep learning, investing, valuing ourselves, and enjoying the journey together.

01:15 – Before 1974: Needing a man's permission to open a bank account

04:30 – The Homestead Act and the start of women's property rights

06:15 – Madam CJ Walker's legacy of empowerment

07:45 – The 19th Amendment and why voting is part of wealth-building

10:00 – The Equal Pay Act: Progress and reality

12:45 – Janet Yellen and the rise of women in economic leadership

14:00 – From one female CEO in 1972 to over 50 today

💼 Be the Boss of Your Own Money. Own Your Future.

You were born to build more than just wealth—to lead, inspire, and rise. At WealthBuildHers, we're redefining what it means to be financially fearless. Join a movement of bold women investing with intention, building legacies, and rewriting money rules.

Ready to take the first step?

Connect with us today:

Website: moneywithmission.com

LinkedIn: https://www.linkedin.com/in/moneywithmission/

Key Quotes

"Women aren't just savers, we're strategic investors." - Dr. Felecia Froe

"Democracy and wealth building go hand in hand." - Dr. Felecia Froe

"We're not done. Not by any stretch of the imagination." - Dr. Felecia Froe

In this deeply thought-provoking episode, Dr. Felecia Froe sits down with CPA and nonprofit strategist Missy Sue Mastel to dismantle the myths around money, mission, and what truly matters. From growing up in a family-run bagel bakery to building systems for nonprofits and mission-driven corporations, Missy Sue shares how financial structure and purpose can (and should) coexist.

This isn't just about how nonprofits can build sustainable revenue, it's about how every woman can define her own "theory of change" and build wealth that fuels real-world transformation. If you've ever wondered how your financial life could reflect your values, this conversation is for you.

02:15 – Missy's Early Money Lessons from the Bakery

07:55 – "Money Alone Doesn't Remove Stress"

13:20 – Discovering Purpose through Volunteerism

21:10 – What It Really Means to Be a CPA for Good

27:40 – The Power of the "Theory of Change" in Wealth and Nonprofits

36:15 – B Corps, Impact Reports & Accountability

45:30 – Personal Mission = Organizational Mission

💼 Be the Boss of Your Own Money. Own Your Future. You were born to build more than just wealth—to lead, inspire, and rise. At WealthBuildHers, we're redefining what it means to be financially fearless. Join a movement of bold women investing with intention, building legacies, and rewriting money rules.

Ready to take the first step?

Connect with us today:

Website: moneywithmission.com

LinkedIn: https://www.linkedin.com/in/moneywithmission/

Connect with Missy!

📘Grab her book: Generation Giving Back

Website: http://www.masstel.com/

LinkedIn: https://www.linkedin.com/in/missy-s-mastel-596751/

Key Quotes:

"Your money speaks for you. Anything else is actually inauthentic." – Missy S. Mastel

"You are not making decisions for the rest of your life, you're making decisions that serve you today." – Missy S. Mastel

What happens when a woman dares to run for president before she can even vote?

In this episode, I'm honoring the trailblazing Victoria Woodhull, a woman who broke every rule in the 19th-century playbook to claim her voice, her power, and her financial freedom.

She wasn't just the first woman to open a brokerage firm on Wall Street or run for U.S. president, she was the first to publicly connect money with female empowerment on a national stage. Victoria didn't just want wealth. She wanted control over how it was used, who got access to it, and how it could transform a woman's life.

This story? It's not just about a woman in history. It's a masterclass in ownership, resilience, and radical reinvention.

So if you've ever been told to "stay in your place" or "wait your turn", this one's for you. Let's begin.

00:00 – Why 60% of women stay stuck—and how money can set them free

01:10 – Victoria's origin story: Poverty, survival, and an early hunger for power

02:40 – Breaking barriers: Launching the first woman-owned Wall Street brokerage in 1870

03:30 – Turning profits into purpose: Launching a radical women-led newspaper

04:15 – Scandal, truth-telling, and the cost of courage: Arrested on Election Day

05:20 – Reinvention abroad: Leaving America and reclaiming her power in England

06:10 – 3 key takeaways: Allies, platforms, and why reinvention is a wealth strategy

💼 Be the Boss of Your Own Money. Own Your Future.

You were born to build more than just wealth — to lead, inspire, and rise. At Wealth BuildHers, we're redefining what it means to be financially fearless. Join a movement of bold women investing with intention, building legacies, and rewriting money rules.

Ready to take the first step?

Connect with us today:

Website: moneywithmission.com

LinkedIn: https://www.linkedin.com/in/moneywithmission/

"Financial independence is political, personal, and powerful." – Dr. Felecia Froe

"Victoria Woodhull didn't wait for permission. She created her own seat at the table." – Dr. Felecia Froe

What if your hobby could replace your paycheck and then some?

In this episode, Dr. Felecia Froe returns for Part 2 with Sun Yong Kim-Manzolini, and the conversation goes deep into mindset, money, and mission. Sun Yong takes us on the next leg of her journey, sharing how she walked away from her "dream job" with no savings, took on options trading as a hobby, and ended her first year earning more than she ever had.

This isn't just about financial strategy, it's about bold reinvention, fierce independence, and choosing to believe in your potential no matter where you're starting from.

01:30 – Choosing Purpose Over Scarcity

07:15 – "I Didn't Want My Kids to Remember Me Always Working"

12:40 – The Day She Decided to Retire With Only $10 in the Bank

20:05 – Rejecting Rescue: "I Wanted to Pay for My Own Meal"

27:30 – Discovering Options Trading

33:00 – Turning Practice into Profit: $178K in Year One

44:15 – "You Make Your Own Rules"

💼 Be the Boss of Your Own Money. Own Your Future.

You were born to build more than just wealth—to lead, inspire, and rise. At WealthBuildHers, we're redefining what it means to be financially fearless. Join a movement of bold women investing with intention, building legacies, and rewriting money rules.

Ready to take the first step?

Connect with us today:

Website: moneywithmission.com

LinkedIn: https://www.linkedin.com/in/moneywithmission/

Connect with Sun Yong!

Website: https://dreambigsetgoals.club/

LinkedIn: linkedin.com/in/sunyongkim-manzolini

Key Quotes:

"You make your own rules. You create your power. You live your own life on your terms." – Sun Yong Kim-Manzolini

"It's never too late to change who I want to become—financially, emotionally, mentally, and physically." – Sun Yong Kim-Manzolini

How do you move from abandonment and scarcity to a life of abundance and confidence? In this powerful episode, Dr. Felecia Froe speaks with entrepreneur and speaker Sun Yong Kim-Manzolini, who shares her journey from South Korean orphanages to thriving in America. Her story is a powerful reminder that financial empowerment is about reclaiming dignity, making informed choices, and finding purpose while building wealth from the inside out.

00:00 Opening Reflection: Freedom and Limitless Possibility

01:00 Introduction to Sun Yong's Story

02:00 Childhood Lessons on Money and Survival in South Korea

04:00 Life in the Orphanage: Loss, Abandonment, and Early Independence

06:00 Learning to Walk at Age 5 and Facing Disability Challenges

08:00 Betrayal by Her Sister and Growing Hatred Toward the World

10:00 Discovering Her Hair, Lip, and Struggles with Self-Image

11:00 Adoption Opportunity: Hopes, Doubts, and Skepticism

14:00 Preparing for America: Learning About Western Culture

16:00 Arriving in the U.S.: Sickness, Shock, and Overwhelming Gratitude

20:00 Feeling "Rich" for the First Time: Clothes, Shoes, and Gum

26:00 Building Trust and Finding Belonging in Her Adoptive Family

29:00 Helping Friends in the Orphanage Find New Families

31:00 Getting Married and Early Financial Scarcity Mindset

33:00 Dream Job as a Certified Medical Assistant

35:00 Facing Domestic Challenges: Abuse, Scarcity, and Divorce

38:00 Breaking Free: Choosing Peace for Herself and Her Children

💼 Be the Boss of Your Own Money. Own Your Future.

You were born to build more than just wealth—to lead, inspire, and rise. At WealthBuildHers, we're redefining what it means to be financially fearless. Join a movement of bold women investing with intention, building legacies, and rewriting money rules.

Ready to take the first step?

Connect with us today:

Website: moneywithmission.com

LinkedIn: https://www.linkedin.com/in/moneywithmission/

Connect with Sun Yong!

Website: https://dreambigsetgoals.club/

LinkedIn: linkedin.com/in/sunyongkim-manzolini

Key Quotes:

"Right now, I have more than enough. I'm living very rich, not because of money, but because of gratitude."– Sun Yong Kim-Manzolini

"I had to decide: Do I stay stuck, or do I show my kids that life can be peaceful, that life can be different?"– Sun Yong Kim-Manzolini

What happens when a woman turns flour, fire, and fearless vision into a legacy?

In this episode, I'm sharing the story of Lucille Bishop Smith. A culinary genius, fearless entrepreneur, and one of the earliest branding queens of her time, Lucille turned a simple hot roll mix into a multi-generational movement.

She didn't just bake. She built. She taught at HBCUs, created multiple streams of income, and left behind a blueprint for ownership, legacy, and wealth creation.

Lucille's story is more than inspiring. It's instructive. Because wealth isn't just earned but built with vision, strategy, and the courage to own your brilliance.

So if you've been sitting on an idea, wondering if it's worth pursuing, this episode is your reminder. Yes, it is. And your legacy is waiting.

Let's get into it.

00:00 – Introducing Lucille Bishop Smith: Innovator, educator, and legacy builder

01:55 – Her hot roll mix invention and early branding brilliance

02:15 – Facing racism and sexism: She expanded instead of shrinking

02:40 – Real talk: Courage isn't fearlessness, but rather an action despite fear

03:20 – Lesson 1: Innovate and own your creations

03:50 – Lesson 2: Build multiple income streams beyond your core talent

04:10 – Lesson 3: Build a brand, not just a business

04:45 – Challenge: What's your "hot roll mix"? Protect and monetize your genius

05:30 – Final reflections: Let your "why" push you past fear into legacy

💼 Be the Boss of Your Own Money. Own Your Future.

You were born to build more than just wealth — to lead, inspire, and rise. At Wealth BuildHers, we're redefining what it means to be financially fearless. Join a movement of bold women investing with intention, building legacies, and rewriting money rules.

Ready to take the first step?

Connect with us today:

Website: moneywithmission.com

LinkedIn: https://www.linkedin.com/in/moneywithmission/

Key Quotes:

"You deserve to profit from your genius." – Dr. Felecia Froe

"Wealth isn't built from a single paycheck. It's built from strategy and streams."– Dr. Felecia Froe

"Lucille Bishop Smith didn't just build wealth, she built a blueprint."– Dr. Felecia Froe

What happens when a 10-year-old becomes one of the richest Black children in America, without protection in place?

In this episode, Dr. Felecia Froe shares the remarkable story of Sarah Rector, an oil heiress whose sudden wealth brought headlines, legal battles, and racial scrutiny. It's more than a story of riches. It's a lesson in resilience, strategy, and safeguarding what you build.

If you've ever wondered how to protect sudden or growing wealth, this episode is your blueprint.

00:00 – Introducing Sarah Rector – the richest Black girl in America

01:40 – Oil discovery, headlines, and early fortune at age 10

02:15 – The reality of wealth without protection: guardianship and racism

03:00 – Mishandled money, systemic barriers, and personal resilience

03:45 – Lessons we can all apply from Sarah's life

04:40 – Your wealth needs a strategy, protection, and personal involvement

05:20 – True power is in your ability to rise again after setbacks

💼 Be the Boss of Your Own Money. Own Your Future.

You were born to build more than just wealth — to lead, inspire, and rise. At Wealth BuildHers, we're redefining what it means to be financially fearless. Join a movement of bold women investing with intention, building legacies, and rewriting money rules.

Ready to take the first step?

Connect with us today:

Website: moneywithmission.com

LinkedIn: https://www.linkedin.com/in/moneywithmission/

Key Quotes:

"Wealth without protection is vulnerability." – Dr. Felecia Froe

"True financial power lies not in perfection, but in resilience." – Dr. Felecia Froe

What truly shapes our money mindset—and how can we reshape it? In this compelling conversation, Dr. Felecia Froe sits down with certified financial planner Sophia Yudkowsky to explore the roots of our beliefs about money, how family culture and early experiences inform our financial habits and the empowering role of objective financial guidance. From navigating first jobs and 401(k)s to preparing financially for significant life events like marriage and children, Sophia shares practical strategies and more profound reflections.

The episode offers a blend of heartfelt storytelling and tactical wisdom, inviting listeners to reframe their relationship with money, get comfortable asking for help, and, ultimately, embrace the power of informed financial planning.

04:07 Sophia's Financial Journey

05:49 Family Culture and Money

10:30 Financial Planning and Early Career

13:12 Preparing for Parenthood

15:19 Investment Strategies and Options

22:03 Building After-Tax Dollar Buckets

22:25 Understanding Roth IRAs

23:03 Concerns About Government Control

23:44 Importance of Diversifying Investments

24:27 Working with Financial Advisors

25:29 Addressing Money Shame

27:43 Financial Planning for Couples

29:57 Choosing the Right Financial Advisor

31:07 Managing 401k Investments

34:19 How Financial Advisors Get Paid

37:42 Financial Nesting for New Parents

💼 Be the Boss of Your Own Money. Own Your Future.

You were born to build more than just wealth — To lead, inspire, and rise. At Wealth BuildHers, we're redefining what it means to be financially fearless. Join a movement of bold women investing with intention, building legacies, and rewriting money rules.

Ready to take the first step?

Connect with us today:

Website: moneywithmission.com

LinkedIn: https://www.linkedin.com/in/moneywithmission/

Connect with Sophia!

Website: https://www.mesirow.com/home

LinkedIn: https://www.linkedin.com/in/sophia-yudkowsky-cfp%C2%AE-99424393/

Key Quotes:

"The most important part of financial planning—knowing what you own, knowing what you owe, and staying aware of how it all fits together." - Sophia Yudkowsky

"We're always evolving, just like our lives change, the way we think about money should too" - Sophia Yudkowsky