Women of Wealth

In this episode of Women of Wealth, Hawley Woods Gray and Allie Ramo welcome back returning guest Pam Cytron for a powerful conversation about entrepreneurship, creative funding strategies, and why employee benefits should be part of every startup’s growth plan.

Pam is a seasoned financial services leader, wealth tech entrepreneur, and founder of a nonprofit growth accelerator that helps emerging companies scale faster by connecting product builders with product buyers. With decades of experience building and advising startups, she brings a unique perspective on how founders can fund businesses, build strong teams, and think differently about financial strategy.

One of the most fascinating moments of the conversation is Pam’s personal story about funding her first startup using the cash value from her whole life insurance policy. Instead of relying on venture capital or family money, she leveraged the liquidity of her policy to access capital with flexible repayment terms, no dilution, and no outside approval. It’s a reminder that insurance isn’t just about protection—it can also be a powerful financial tool.

Pam also shares why entrepreneurship is a team sport, and why founders often make the mistake of waiting too long to offer employee benefits. Even basic benefits—like healthcare options or retirement plans—can dramatically improve focus, loyalty, and performance inside a startup environment. According to Pam, offering benefits is more than a cost—it’s a signal of leadership and stability.

The conversation also dives into:

• How founders can creatively fund businesses without giving up equity
 • Why whole life insurance can become a flexible source of capital
 • The mindset shifts every entrepreneur needs to succeed
 • Why employee benefits are critical for startup retention and growth
 • How today’s founders are learning business from influencers and social media
 • The importance of failing fast and starting each day with a clean slate
 • Why financial education and insurance planning are missing for many young entrepreneurs

Pam also challenges founders to think bigger about the role of insurance—not just for personal protection, but as part of a broader strategy for building resilient companies, protecting assets, and supporting employees.

For entrepreneurial women building businesses, this episode is packed with insight on how to think like a founder, protect your future, and build companies that support both growth and well-being.

Connect with Pam Cytron
Pam is currently recruiting companies for the next cohort of her nonprofit accelerator focused on helping founders scale faster through strategic relationships and growth support. https://www.pamelacytron.com/

For more awesome episodes visit our podcast website at [email protected]

Got a burning question or a topic you're itching to hear about? Slide into our DMs on Instagram at @Wowwomenofwealth. Now, let's turn those pennies into power moves!

In this episode of Women of Wealth...

Hawley and Allie sit down with Master Success Coach and founder of Lisa Listen, Lisa Bybee Ferrell, for a powerful conversation about building wealth from the inside out  - starting with communication, clarity, and how we show up in our relationships.

With over three decades of experience in sales, broadcasting, and entrepreneurship, Lisa shares how her background in high-level sales shaped her philosophy: if you listen long enough, people will tell you exactly what they need. That skill — true listening — became the foundation of her coaching work with individuals and couples.

Together, they dive into:

• Why most couples avoid money conversations — and how that avoidance creates long-term damage
• The difference between listening to respond vs. listening to understand
• How Lisa rebuilt her voice after losing it in past relationships
• Clear communication strategies for couples who work together
• Setting “house rules” and “business rules” to protect both marriage and mission
• Why conflict isn’t the enemy — denial is
• How high-achieving women can succeed professionally without disconnecting at home
• The power of faith, humility, and vulnerability in leadership and love

Lisa shares practical tools couples can implement immediately, including setting financial discussion boundaries, checking for understanding during tough conversations, and creating intentional time to talk before resentment builds.

For the driven woman who feels successful at work but disconnected at home, this episode is a reminder: wealth isn’t just financial. It’s emotional, relational, and spiritual. And if something feels off, it’s not something to outrun — it’s something to address.

True leadership begins with self-awareness.
 Strong relationships require intentionality.
 And real wealth is built through clarity, communication, and connection.

🔗 Connect with Lisa

Learn more at LisaListen.com

• Discovery sessions available
• Books, card decks, and companion workbooks
• Personalized signed copies available
• Coaching for individuals and couples

For more awesome episodes visit our podcast website at [email protected]

Got a burning question or a topic you're itching to hear about? Slide into our DMs on Instagram at @Wowwomenofwealth. Now, let's turn those pennies into power moves!

In this episode of Women of Wealth, we take on one of the biggest financial pressures facing business owners today: rising healthcare costs - and what can actually be done about them. Healthcare premiums are climbing faster than wages. Deductibles are higher than ever. Employees are frustrated by surprise bills. Employers feel stuck in a system that increases in cost year after year with little transparency or control.

Inspired by The Great American Healthcare Heist, we unpack what’s really happening inside the healthcare system - from surprise billing and prescription pricing practices to profit-driven insurance models and the growing disconnect between patient care and corporate incentives. But this episode isn’t just about the problem. It’s about solutions!

We introduce WellthCare - a patent-pending model designed to work alongside existing health plans to reduce utilization, lower claims, and reward preventative care. Instead of waiting for illness to become expensive, WellthCare incentivizes proactive health engagement.

Employees gain access to:
 • $0 copays for urgent care, primary care, virtual care, and mental health counseling
 • Free lab work
 • Zero-cost prescriptions through an owned pharmacy network
 • Medical bill reduction tools that lower expenses by an average of 70%
 • $1,100+ annually deposited into a SEP IRA
 • $1,300–$2,800 per year in wellness-based store rewards
All with no disruption to the employer’s existing health plan and no out-of-pocket cost to the employer or employee.

Designed for businesses with 10+ W2 employees paying into FICA, this model leverages existing tax credits that reward preventative care and retirement contributions - aligning health and wealth in one strategic benefit structure.

If you’re a business owner looking to reduce long-term healthcare increases, improve employee retention, and strengthen retirement outcomes, this conversation is for you. To learn more or explore whether WellthCare could benefit your company email us!

Hawley Woods Gray
 📧 [email protected]

Allie Ramo
 📧 [email protected]

OR visit https://www.wellthcare.com

For more awesome episodes visit our podcast website at [email protected]

Got a burning question or a topic you're itching to hear about? Slide into our DMs on Instagram at @Wowwomenofwealth. Now, let's turn those pennies into power moves!

In this episode of Women of Wealth, we sit down with Dr. Nelva Lee, founder and CEO of Concrete Build Financing, serial entrepreneur, author, healthcare and education leader, and public servant. This powerful conversation explores what it truly means to build wealth beyond money - wealth rooted in leadership, service, faith, and legacy.

Dr. Lee shares her remarkable journey from healthcare administration and vocational education to pioneering private-sector solutions for affordable housing. She unpacks how early leadership awareness shaped her career, why recognizing and honing your God-given talents matters, and how defining wealth through purpose - not just profit - creates lasting impact for families and communities. The discussion also dives deep into education reform, school choice, vocational training, and the critical role parents play in shaping long-term outcomes for children. Drawing from her own experience as a mother, educator, and current candidate for Georgia Superintendent of Schools, Dr. Lee makes a compelling case for empowering families with choice, access, and practical pathways to success.

Faith is a central thread throughout the episode, as Dr. Lee shares how it serves as her anchor amid leadership, entrepreneurship, and public scrutiny. She also offers candid advice for women who feel called to start a business - especially mothers balancing family, risk, and vision - reminding listeners that entrepreneurship can be a tool for freedom, flexibility, and generational legacy.

The episode closes with an inspiring look at Concrete Building Financing, a for-profit, mission - driven housing model leveraging real estate and blockchain innovation to address affordability and ownership - proof that capitalism and compassion are not mutually exclusive.

✨ What You’ll Learn in This Episode:

• Why wealth is about meaning, service, and legacy - not just income
• How early leadership awareness can shape lifelong success
• The connection between education access, healthcare, and generational wealth
• Why school choice and vocational training are critical for future readiness
• How faith can anchor leaders through pressure and public scrutiny
• Why entrepreneurship can create more freedom for families, not less
• How private-sector innovation can solve public challenges like housing affordability

🔗 Connect with Dr. Nelva Lee:

• Website: https://www.drnelvalee.com
• Housing Initiative: https://www.concretebuild.org

For more awesome episodes visit our podcast website at [email protected]

Got a burning question or a topic you're itching to hear about? Slide into our DMs on Instagram at @Wowwomenofwealth. Now, let's turn those pennies into power moves!

In this episode of Women of Wealth, hosts Hawley Woods Gray and Allie Ramo take a fresh, modern approach to financial education by doing something a little different - they use ChatGPT (AI) as a tool to ask and explore the most common money questions women are already searching online. From budgeting and saving to debt, credit scores, emergency funds, and housing decisions, Hawley and Allie break down ChatGPT’s answers and layer in real-life experience, professional insight, and practical context - because financial clarity doesn’t come from information alone, it comes from understanding how to apply it.

This episode is all about foundational money basics - the building blocks that make investing, retirement planning, and long-term financial freedom feel less intimidating and far more achievable.

What You’ll Learn in This Episode:

• How to budget and actually stick to it - even with inconsistent income
• Why budgeting looks different for entrepreneurs and commission-based earners
• The “pay yourself first” principle and why it matters
• How to save money when everything feels expensive
• Why saving is a system, not a willpower problem
• How much you should really have in an emergency fund - and what it’s for
• Practical strategies for getting out of debt (snowball vs. avalanche)
• Whether you should focus on paying off debt or investing first
• What truly impacts your credit score - and what doesn’t
• How to think strategically about renting vs. buying a home
• Why renting isn’t failure - and homeownership isn’t always wealth-building
• The importance of mindset in every financial decision

Key Takeaways:

• Financial confidence starts with asking better questions
• Money basics create clarity across every stage of wealth building
• ChatGPT can be a helpful starting point - but real wisdom comes from context
• There’s no one-size-fits-all approach to budgeting, saving, or debt
• You’re not alone - conversation and education reduce fear around money

Resources & Mentions:

• ChatGPT as a financial education tool
• Prior Women of Wealth episodes on debt and financial strategy
• Encouragement to seek guidance from trusted professionals and experienced peers

Join the Conversation

Have a money question you want us to cover in a future episode?

📩 Message us on Instagram @wowwomenofwealth
⭐ Leave us a review on your favorite podcast platform
🎧 Listen wherever you stream podcasts
📺 Watch the full episode on YouTube

For more awesome episodes visit our podcast website at [email protected]

Got a burning question or a topic you're itching to hear about? Slide into our DMs on Instagram at @Wowwomenofwealth. Now, let's turn those pennies into power moves!

In this episode of Women of Wealth, Hawley Woods Gray and Allie Ramo sit down with real estate investor and airline professional Hanna Pine to unpack what it really looks like to build wealth without quitting your full-time job.

Hanna shares her journey from exploring house hacking to mastering creative finance, transactional lending, and institutional-style acquisitions - all while working a W-2 in the airline industry. Her story is a powerful reminder that wealth-building doesn’t require reckless leaps or overnight exits, but rather discipline, relationships, and strategic use of time.

Throughout the conversation, Hannah breaks down complex concepts like OPM (Other People’s Money), seller financing, double closes, and the Morby Method, making them accessible for everyday investors. She explains how she transitioned from trying to acquire properties herself to becoming a connector—structuring deals, aligning capital partners, and earning through lending, points, and ownership without putting her own cash at risk.

Hanna also speaks candidly about the realities of the journey, including the patience required - logging over 2,000 hours before her first paid deal—and the mindset shifts that helped her persist. Integrity, transparency, and the willingness to say “I don’t know” have been key to building trust and long-term partnerships in an industry often driven by speed over substance.

For listeners interested in passive income, Hanna clarifies what “passive” truly means in real estate, how investors can participate hands-off, and why today’s market allows entry points as low as $5,000. Whether you’re short on time, capital-rich, or simply looking for smarter ways to deploy your money, this episode offers valuable insight into modern real estate investing.

This conversation is especially powerful for women balancing careers, families, and ambition - proof that with creativity and the right network, building wealth is possible without burning out or starting over.

🔑 Topics Covered:

• Building real estate wealth while working full-time
• Creative finance, seller carryback & transactional lending
• Leveraging OPM (Other People’s Money) and OPS (Other People’s Skills)
• What “passive income” really looks like in real estate
• Integrity, relationships, and long-term deal flow
• Entry points for hands-off investors
• Time-blocking, mindset, and consistency in wealth-building

📲 Connect with Hanna Pine:

• Instagram: @hanna.pine
• Email: [email protected]

For more awesome episodes visit our podcast website at [email protected]

Got a burning question or a topic you're itching to hear about? Slide into our DMs on Instagram at @Wowwomenofwealth. Now, let's turn those pennies into power moves!

In this episode of Women of Wealth, we sit down with Mimi Tran, a former educator turned financial professional, nonprofit leader, and passionate community advocate, to explore how true wealth is built through both financial literacy and collective care.

Mimi shares her powerful journey from teaching in San Diego classrooms to pivoting into financial services after health challenges reshaped her priorities. As a first-generation Vietnamese American, she opens up about cultural barriers around money conversations—especially life insurance—and why changing those narratives is critical for future generations.

This episode dives deep into:

• Why community involvement isn’t optional—it’s essential for sustainable success
• How trust, culture, and language play a role in financial planning
• The difference between transactional marketing and relationship-driven impact
• Why showing up matters more than selling
• How nonprofit engagement strengthens both personal fulfillment and business credibility

Mimi also highlights her work with organizations like Viet Voices, her role in uplifting Vietnamese-owned businesses, and how community connection has expanded her relationships nationally and internationally. From volunteering and grant writing to emceeing cultural festivals, Mimi proves that when you lead with service, trust follows—and so does growth.

To close out the episode, Mimi joins the WOW Lightning Round, sharing her leadership philosophy, productivity hacks, favorite business book, and the money myth she’s ready to see disappear for good.

✨ If you’re a business owner, entrepreneur, or professional looking to build trust, deepen impact, and redefine what wealth really means—this episode is a must-listen.

📲 Connect with Mimi:

• Instagram: @mimosaaaas
• Email: [email protected]

For more awesome episodes visit our podcast website at [email protected]

Got a burning question or a topic you're itching to hear about? Slide into our DMs on Instagram at @Wowwomenofwealth. Now, let's turn those pennies into power moves!

In this episode of Women of Wealth, hosts Hawley Woods Gray and Allie Ramo sit down with U.S. veteran, real estate and international investor, author, and speaker Yolanda Davis for a deeply inspiring and honest conversation about identity, faith, finances, and the courage it takes to pivot into your next season.

Yolanda shares her powerful life journey - from serving nearly a decade in the U.S. Air Force, to raising three incredible children, becoming a grandmother, and building long-term wealth through real estate investing. Along the way, she discovered a calling to help women who feel stuck learn how to stop talking about change - and start deciding to change.

At the heart of the conversation is Yolanda’s signature framework, “The Pivot Decision.” She explains why pivoting alone isn’t enough - the real transformation happens when you make the decision to pivot, even before everything feels clear or perfect.

This episode dives into:

• How to recognize when you’re ready for a pivot
• Why clarity begins with quiet—and how to create space for it
• The power of Yolanda’s L-framework (Listen, Learn, Lean In, Let Go, Let In)
• Why “letting yourself in” may be the most important step of all
• How women can redefine their relationship with money by assigning it meaning
• A preview of Yolanda’s upcoming book, F Is for Finance, and why finances should feel fun, not fearful
• How faith, values, and intention guide smarter financial and life decisions

Yolanda also opens up about working one-on-one with women in six-month and one-year coaching containers, designed to help clients fully step into their authentic identity and build a life that reflects who they truly are - from the inside out.

✨ If you’ve been feeling nudged toward something more - but haven’t quite made the move - this episode is your reminder that you don’t need permission… you need a decision.

🔗 Connect with Yolanda Davis

• Email: [email protected]
• Be on the lookout for her upcoming book: F Is for Finance

For more awesome episodes visit our podcast website at [email protected]

Got a burning question or a topic you're itching to hear about? Slide into our DMs on Instagram at @Wowwomenofwealth. Now, let's turn those pennies into power moves!

In this episode of Women of Wealth, Hawley sits down with powerhouse CEO, leadership strategist, and founder of the Be Bold Movement, Kimberley Borgens, for a deeply honest and empowering conversation about confidence, entrepreneurship, and creating generational wealth as a woman - especially in male-dominated industries. Kimberly shares her unconventional journey from growing up in a military family to becoming a multimillion-dollar business owner leading over 70 employees. She breaks down the mindset shifts required to move from “doing it all yourself” to stepping fully into CEO identity, investing in yourself, and recognizing your true value—both personally and professionally.

Throughout the conversation, Kimberley challenges women to stop shrinking, stop apologizing, and start taking up space. From body language and confidence cues to redefining what it means to be “high maintenance” for yourself, this episode is packed with practical wisdom and real-life examples women can apply immediately.

Kimberley and Hawley also dive into:

• Why entrepreneurship is the greatest education you’ll ever pay for
• The importance of learning from failure instead of fearing it
• How women undervalue themselves—and how to change that narrative
• Raising children in entrepreneurship and modeling ownership and leadership
• Navigating business with a spouse and claiming the CEO seat with confidence
• Why community, advocacy, and the right rooms matter for women building wealth
• The critical differences between coaches, consultants, mentors, and advocates

Kimberley closes by sharing how women can connect with her through her free community, The Hive Hangout, and her podcast Superheroes in Heels, continuing the mission of empowering women to lead boldly, confidently, and unapologetically.

✨ This episode is a must-listen for women ready to stop playing small, own their voice, and build wealth with confidence and clarity.

🔗 Connect with Kimberley Borgens

• Website & Free Resources: KimberleyBorgens.com
• Podcast: Superheroes in Heels with Kimberley Borgens
• Community: The Hive Hangout

For more awesome episodes visit our podcast website at [email protected]

Got a burning question or a topic you're itching to hear about? Slide into our DMs on Instagram at @Wowwomenofwealth. Now, let's turn those pennies into power moves!

In this episode of Women of Wealth, we sit down with SF Money Coach, Carrie Friedberg, to explore the powerful intersection of money and psychology - and why so many capable, high-achieving women still feel anxious, ashamed, or overwhelmed when it’s time to talk finances.

Carrie shares her own journey from “financial mess” to full transformation through coaching, and explains how her background as an educator (yes—kindergarten!) shaped her signature approach: making money simple, approachable, and emotionally safe. Together, you’ll unpack common myths about budgeting, how mental health practices like meditation can support financial clarity, and why everyone needs at least one financial confidant.

The conversation also goes deep on relationships and money—including how family history and financial trauma can show up in marriage, what it really takes to align goals as a couple, and practical strategies to prevent the big blow-ups before they start.

In this episode, you’ll learn:

• Why money feels so emotional—and how to move from avoidance to empowerment
• The myth that “budgeting means you’ll never have fun again” (and what to do instead)
• Carrie’s concept of a financial confidant and why it can change everything
• The #1 hidden issue couples face: different money histories + unspoken expectations
• How to align financial goals while still honoring individual dreams
• A practical savings framework (three distinct savings “buckets”/accounts)
• How to set spending agreements that reduce conflict and build trust

Resources mentioned:

• Carrie Friedberg’s website: sfmoneycoach.com
• Book: At Peace With Money: A Holistic Roadmap to Financial Wellness (pre-sale available on Amazon & Barnes & Noble)
• Email: [email protected]
• Free tool: “Financial Partnership Questions” (downloadable on Carrie’s website)

For more awesome episodes visit our podcast website at [email protected]

Got a burning question or a topic you're itching to hear about? Slide into our DMs on Instagram at @Wowwomenofwealth. Now, let's turn those pennies into power moves!