Financial Feminist - 168. What I Wish I Knew in my 20s

Episode Date: July 9, 2024

In this special 30th birthday episode, Tori is sharing all the things she wished she knew in her 20s. From a financial perspective like the importance of investing early, and treating every job like a business, to the more personal side — like how hard it is to make and keep friendships. Tune in for valuable insights as Tori shares her hardest and best learned lessons on this side of 30. Read transcripts, learn more about our guests and sponsors, and get more resources at: https://herfirst100k.com/financial-feminist-show-notes/168-what-i-wish-i-knew-in-my-20s/ Not sure where to start on your financial journey? Take our FREE money personality quiz! https://herfirst100k.com/quiz. We’re giving you a birthday present! Visit herfirst100k.com/invest and use code BDAY for 30% off Stock Market School! Special thanks to our sponsors: Thrive Causemetics Get an exclusive 10% off your first order at thrivecausemetics.com/FFPOD Squarespace Go to www.squarespace.com/FFPOD to save 10% off your first website or domain purchase. Hill House Visit hillhousehome.com and use the discount code TORI at check out for 15% off. Indeed Visit indeed.com/FFPOD to get a seventy-five dollar sponsored job credit to get your jobs more visibility. Learn more about your ad choices. Visit megaphone.fm/adchoices

This episode of Financial Feminist is sponsored by Thrive Cosmetics and Squarespace. Refresh your everyday look with foolproof vegan products made with clean skin loving ingredients. Get an exclusive 10% off your first order at thrivecosmetics.com slash ffpod. Build a beautiful website to get your message out into the world with Squarespace. Go to squarespace.com slash ffpod to save 10% off your first purchase of a website or domain. Financial feminists, I am turning 30, which is very exciting, but for my 30th birthday, I am giving you a gift, which is 30% off our stock market school membership. It is not only a place where I'm teaching you how to invest step by step, but also the technology

to literally get you investing in the stock market. And no, not through a confusing platform like Fidelity or Vanguard or Robinhood, but literally the technology to get you started. So you get monthly life coaching with me, you get exclusive workshops around investing, plus a community of like-minded people to cheer you on too. You can go to herfirsthundredk.com slash invest to get 30% off our stock market school membership. We have never given a discount this big. We will never do it again. Happy 30th

birthday to me and to you. financial feminist. It's brat summer. I'm calling it. It's brat summer. We're recording this June 27th. It's been brat summer for already two weeks if you're chronicling online like we all are. No, I just played Kristin the club classics, which is I will probably still even as this episode gets released, still be listening to 20 times a day. And no, that's not an exaggeration. It's actually 20 times a day. I cannot stop listening to the song.

I'm obsessed with it. The album is dirty and sleazy and so fucking good. So that is what I'm gonna be doing this summer is listening to Charli XCX's album, Brat. Can we just talk about for a second? And then we'll get into the actual episode. Hi, Financial Feminist, you know the drill. I'm just diving right in today. Can we talk about, and Kristin, you'll appreciate this too, the amount of good music, especially in the last six months, by every single female artist. It's like Dua Lipa dropped, Ariana Grande dropped. Did Miley

Cyrus drop anything? No, I don't think, not yet, but she's working on stuff. We've got like Billie Eilish, Chaperone. Oh, I'm getting there. Chaperone, Sabrina Carpenter, Beyonce, fucking Beyonce, Taylor Swift, which I didn't love. I was gonna say Dead Poets Society. I didn't love Tortured Poets, sorry, at me. I didn't like it.

But like, still we got an album like there has been so in the last just like six months and I know I'm missing somebody and you can call me up and tell me it's just incredible it's just like we have so much good music I am overwhelmed with how much good music there is and it's all from women all from oh doja I think doja cat came out with a new album like everything we got we just had a bunch of new incredible music from women and I'm like, where are the men? Don't care. Life's great. Get to vibe with all of the women artists. So hello guys, I'm turning 30. I'm turning 30 on July 10th and to go straight from Club Classics, Charlie XCX into vulnerable shit, I didn't expect

30 to feel as difficult. I am not afraid of aesthetically aging. I'm not afraid of my wrinkles and looking older and I mean, I would like to not get gray hair soon, but like I'm less afraid of that. And I'm more realizing that me turning 30 means I'm going to die. I'm realizing my mortality for the first time fully. Obviously I'm not naive enough to think that I was immortal, but in your 20s you just, you don't have to think about that.

You're 20 and then you're 22 and then you're 25 and then you're 27. And 29 is not a real year by the way. That's just been embarrassing. I've seen actually a TikTok where somebody's like, I've been 29 and I just said I was 30 because 29 is not a real year. But I don't know, something about turning 30, the number upfront has changed

and I don't remember really turning 20. Like I don't remember going from 19 to 20. So this is the first time I remember, oh shit, like the, not the num, not the second number, the first number is changing. And also just, I really like life. I really like my life. I really like the experience of living with all of its good parts and bad parts and its travel and its friendships and its heartbreak and its pain and as cheesy as it sounds, all

of that. And I just realized that every year I get older, that means I get to do less of it. So that's just the fun. I wouldn't go as far as to call it a crisis, but like that's the fun little thing. I'm going through a 30 and I know all of you who are 30 and above are gonna give me the same advice everybody else has given me, which is your 30s are awesome. They're the best years because you're more confident and you like yourself more.

And I'm like, I get that. I love y'all, but I don't need to hear that. I know they're gonna be great. I know they're gonna be fine. It's not even that I'm scared of 30s. It's just that I don't wanna, I don't want to die. I don't want to die. I like my life. I don't want to, I just, I want to be around for as long as possible and embrace a lot of it. I've also realized too that like, again, and we all know this

if you're over 30, like my body's just not what it used to be. It doesn't rebound as quickly and I've been through some rough stuff over the past couple years and my chronic pain has gotten worse. And so I'm just feeling that more deeply and realizing like, oh shit, if I don't start and continue taking care of myself, I'm going to be the person who's 45 and can't like move in the way she wants to. So that's the other thing I'm thinking about is my physical body aging, not aesthetically, but like my bones and my joints and my muscles. So I'm doing personal training. I'm trying

to eat better. There's things I'm doing, But that's just what's on my mind with 30. What I am looking forward to about 30 though, is everything that people have said, which is like, you get wiser, you give less of a shit, and my Saturn return hit me fucking hard at 29. So I'm excited for that to be over, and excited for my life to be a little less turbulent. And yeah, I think the common thing

people feel as they're getting out of their 20s and into their 30s is, oh shit, I didn't accomplish enough. And I am thankful that I do not have that feeling. I rung my 20s out. My 20s were a little little rag that I just squeezed for every drop of water I could get out of them. And so in that aspect, I'm very grateful and grateful to myself that I took full advantage. There's a spider on my chair. He just moved and then I thought it was a fly, but he has not flown anywhere. And I'm like, it's a fucking spider.

I used to be afraid of spiders until I saw a tweet that said that spiders are just old grandma's knitting and I was like that literally that one tweet changed everything. All right I'm turning 30 it's fine um but the fun thing for all of you is that on my 30th birthday we we're giving you a present. And it is the biggest present we have ever given, which is in honor of my 30th birthday, 30% off our stock market school membership. You can go to herfirsthunderk.com slash invest. It is code B day is the code B D A Y. And it gets you 30% off the entire year of stock market school. My quick plug, it is not just education from me, not just monthly live coaching, which is the only place you can get coaching from me and quarterly workshops and an exclusive community and a bunch of education about how to actually invest in the stock market. But we've literally built you a platform to invest

because all of the rest of them out there are way too jargony and confusing. And if you've ever been on Fidelity's website, you know, you know that it's way too confusing. So it is an absolute steal. It's the biggest discount we've ever done. So you can go to herfirsthundredk.com slash invest and use code B day for 30% off, which makes it less than $250 for the entire year. That's a fucking steal. So that's my birthday present to all of you. And we'd love to see you in stock market school. Kristin has put together some nice voicemail messages from the community about my birthday. So I'm going to go listen to these. And if they make

me cry, I'm sorry. We're apologizing now. All right. First one from Rebecca. Kia ora tori. Happy birthday from Aotearoa, New Zealand. I'm 31 and I love being in my 30s. It's like your 20s and that you're still hot and you're fun, but there's way less of a bullshit. You're going to have a great decade. Happy birthday. Grafano, kia koe. Oh, from New Zealand in Māori.

That was, okay, I'm already crying. That was so nice. okay, I'm already crying. That was so nice. Also, I love that. You're hot and you're still hot, but you're like, you're smarter now. You're still hot, but you're smarter now. That's very lovely.

Hello. I'm not gonna try to speak any Maori because I butcher it, but please know, thank you for your voicemail. That's so nice. All right, second, there's three of them. Okay, two of three. this is from Evie. Girl, welcome to the dirty 30.

My piece of advice for you is don't think you have it all figured out, and it's totally okay that you don't. Okay, hello, thank you, dirty 30s, hell yeah. All right, I won't have it all figured out. I definitely don't have some stuff figured out, but then every time I do think I have things figured out, something comes and rocks my entire world. So yeah, that's the experience of being alive. All right. Last one.

Woohoo. Thirties. Best advice. Um, you obviously have a large audience and following that is taking what you are doing and being successful with into their everyday. One thing I noticed is I got older into my 30s. My inner inner circle was still in that scarcity mindset, fear driving their financial decision making. So bring up the people closest around you and let them know how empowering and possible and capable they are at growing their finances and being completely involved in every step of whatever process, monthly expenses, housing costs, how much they're spending out,

and just realize that we are the consumer and where our dollar goes matters. So keep rocking. Happy 30th. Love from Heather comes on a finance podcast is like financial advice, which I actually appreciate. Yeah, that's the fun realization as you start getting older as you realize, one, that society is trying to take away your power at every fucking step. And two, that you actually have so much power in terms of how you think and how you talk to people in your life and how you encourage them to be the best that they can be. And no, I love that. That was so sweet. Thank

you voicemail users, submitters. That was really kind. And if you are also turning 30 or have turned 30 and you're listening, especially on Spotify, feel free to comment your best advice down below. We'd really appreciate it. So I'm going to tell you as I'm turning 30, the things that I wish I knew in my twenties. So if you are out there listening and you are in your twenties and you are creeping closer to 30 with every passing day, that sounded terrifying, wasn't supposed to be, but true. I want to give you a couple of things that I wish I knew and that I think are really, really integral and important to your 20s. And things that sometimes I had to learn the hard way. Let's talk about the financial first. One, we need to invest early. Even if it's just with a little money. Because investing early with less is way better than waiting until you have more. I've said this before on the show, but time is way more important than the amount of money.

It's not about how much money you have, really. It's about giving yourself as much time for compound interest to do its thing when it comes to investing. So even if you only have $5, $10, $20, and yes, you can invest with that little money within stock market school, you need to start investing. You need to start investing even if it's not something you can do with a bunch of money and super consistently because of that compound interest piece. My original 100K at 25 will be over $1.5 million, even if I never contributed another penny, because I did a lot of heavy lifting early. Now compound interest works even if you don't have 100K, right?

Compound interest works whether you've got $5 or $5 million. And compound interest does work whether you're 18 or 88 or any other age in between. But giving yourself as much time as possible is absolutely integral to actually building your wealth in a concrete way. So the thing I'm really glad I did in my 20s, that a lot of people encouraged me to do, and yet I also had a lot of people being like, have more fun, what are you doing saving money? And I'm like, I'm still traveling internationally.

I'm still doing stuff. Like I need you to save if you can, even if it's just a little amount of money and then invest it. Invest it through something like a 401k, a Roth IRA, and invest as consistently as you can, even if it's just with a small amount of money. Our second financial tip,

but is a broader tip as well for you in your twenties, regret is inevitable. You will regret or beat yourself up or just feel a little not great about certain financial decisions you make. Fuck, I shouldn't have purchased that thing. I feel like I wasted money. I have many stories in my 20s of times that I spent money either trying to please other

people. Oh my God. The amount of money I spent on my long distance relationship. I can't think about that because it makes me really angry. The amount of money I spent on a long distance relationship with a guy that I shouldn't have been dating for that long. But you live and you learn, you learn. And that's the key here. You will have financial decisions that you wish you could take back. You will have financial decisions that you're not necessarily proud that you made or that you wish you could do over. Maybe that is spending. Maybe that's, you know, again, not investing soon enough. That's one we're trying to prevent you from having. There's so many instances of that in your 20s. And we say on the

on the show and in our work all the time that, you know, money is just like a, it's any other learned skill. It's just like learning a language or learning an instrument. You're going to be bad at it. You're going to make mistakes and that's okay. What's not okay though, is you making those mistakes and not learning anything from them. And either continuing to make them and then being like, how did I get here again? Well, you got here again because you made the decision again. Or just like willy nilly walking through life, feeling like you're wasting your money on shit that you don't love.

Feel like you're just yoloing your way through your personal finances. Or again, just making purchases that you don't really like, that don't really bring you joy. So regret is guaranteed, right? Or some sort of, you know, I, oh shit, I wish I hadn't done that. That's going to be totally normal. And frankly, encouraged. I'd rather you learn by doing than not learn at all, right? But what is not guaranteed is the actual learning from it. So, we're going to make mistakes and we're especially going to make mistakes with our

money. That is okay. But it's not okay if we just continue to make the same mistake over and over and over again and don't take any learnings from it. Number three, if you've read my book, you know, taking a job for the money and purely for the money almost never works out. At least that's my lived experience. If you've read the introduction to my book, Financial Feminist, you know that I took a job for the money almost never works out. At least that's my lived experience. If you've read the introduction to my book, Financial Feminist, you know that I took a job for the money. Something in my gut and in my intuition told me that this job was not right for me, that this job was not going to be good. Intuition is knowing something without knowing how you know it. I had all these friends and my family being like, well, this seems great on paper. Why don't you like it?

And I was like, I don't know. So they convinced me basically that everything was fine. And I was able to negotiate $20,000 more than what they wanted to pay me. And it was very obvious that that was the wrong decision within about two weeks of the job. And honestly, probably the moment I stepped in there. And then I spent almost three months unemployed after 10 weeks because I had to quit that job without another lined up because

it was so toxic. But that's why I had an emergency fund. So leave those toxic situations. So money is great. We advocate for money, right? We want to get paid our fair share. We want to negotiate our salaries. However, just thinking, oh, I can tolerate this job because I'm making 20k more. No, that was not my experience. The 20k did not make it worthwhile when I was really anxious all the time about getting fired. My boss was not a fun person to be around and my coworkers weren't very supportive and I just felt very alone. Like 20K doesn't help any of those feelings. Yes, it might get you to your financial goals sooner. If it's a situation that you feel like is necessary enough and you can tolerate it,

okay, maybe. But I just realized like my mental health was worth more. Whether I liked showing up at a place for 40 hours a week or not, that meant more to me than if I was making a little bit more money. So yeah, I've just realized that we yes, we get compensated fairly. And you know, obviously, a job is about money. If they weren't paying me, I wouldn't go. But money isn't the whole thing. And although this is a, you know, personal finance podcast, I'm a personal finance educator, money is not everything. Money solves a lot of things, but especially with a job or a relationship or anything, right? Money cannot be the entire reason you're being motivated

to do something because you'll realize that the money isn't worth it. It isn't worth the abuse or it isn't worth the loneliness or it isn't worth the devastation of your mental health. One of the things people ask me if they want to become a business owner is where do I start? What do I do first? And my answer is you kind of need a website. You need a website for people to be able to find you, for you to be able to get your services across. So whether you're a freelancer or someone who's building a media empire like myself, Squarespace is a great place to turn to. Squarespace is the all-in-one website platform for entrepreneurs to stand out and succeed online. So whether you're

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That's Thrive Cosmetics, like a cause you support, C-A-U-S-E-M-E-T-I-C-S dot com slash FF pod for 10% off your first order. for 10% off your first order. All right, my last personal finance, what I wish I knew in my twenties. I want you to treat every job like you're running your own business. Even if it's corporate, even if it's a nine to five job, even if it's retail, even if it's something where you have a boss and you have a hierarchy and it's not

definitely not your own company, you will be more successful, more likely to get raises, more likely to get promotions, more likely to have a good time if you treat your job like it's your business. We talked more about this in a conversation that we're releasing in August with Rachel Rogers and that's kind of where this idea came to full fruition, but I've just seen as someone who manages people and hires people that when you own your tasks and when you are self-motivated And when you treat your job Like it is a business that you're making decisions for you, you're going to be more likely to be successful.

Take on projects like the success of them has everything to do with what you put into it. And as someone who now hires people, I can tell you that when I see ownership over a certain project or a certain task or a certain area, that's incredible. That's incredible. You're more likely to be successful at that job and to get everything you want and also to feel more motivated because we've seen in statistics, we know in the literature that

when you have ownership over a particular thing and you feel encouraged to make decisions and to work really hard, you see the progress of that definitively because you know it's you. And because you feel powerful, you feel encouraged. You're like, oh, I did this. This is my thing. This is the thing I can point to and say, yes, I started and grew this thing. I owned this project. When it comes to annual review time, it makes it a lot easier to get the raise you're looking for because you can definitively say, hey, I did this thing. You don't have to be an entrepreneur if you don't want to, but I would encourage you to be entrepreneurial in your life and entrepreneurial wherever you're working.

All right, let's talk about some of the personal things. Making friends is really hard work, and then you got to work to keep them. We all know this, but like, there's something about, especially if you went to college, right, your early 20s, friendship is not, you don't have to work at it as much because everybody's there. Your friends live two doors down, three doors down. Well, I don't know why they all fall. They, is that three doors down?

No, I'm like, it's not. No! Who is it? No, is it? Kristen just, with the absolute most disappointed voice just goes, it's Creed. She literally just deadpan. I'm like, is that three doors down?

As she just shakes her head and starts laughing. And then she just goes, that's Creed. Like so disappointed. Okay, anyway, your friends were three doors down. So you didn't have to try as hard. It was like, hey, you want to go get dinner after class? Great. Hey, the on-campus parties, there's something going on at Pilots After Dark. That was what ours was on Fridays and Saturdays to try to get people to not party.

Went to University of Portland and Pilots are our mascot. So it was like Pilots After Dark and they do like fun programming. It was actually fun. I was a straight edged kid. I didn't drink before I wasn't supposed to. And so that's where I was Friday and Saturday nights. But it's just like, it wasn't as difficult because everybody lived in the same place. You largely worked in the same place.

It was just easier. And then what happens is you graduate and you all move for different jobs or a different relationship. And I think for me, especially after COVID, almost all of my friends left. Like I had friends move to New York, I had friends move to Bend, Oregon, I had friends who moved to California, everybody moved.

And so then it was a lot harder to just see people that you cared about, and my in-person community was not as big. The other fun thing is that, and I've realized this very acutely in the last couple of years, I tend to make friends with people who have a similar lifestyle to me.

I like hanging around motivated, sociable people who travel. The problem with hanging out with motivated, sociable people who travel is that we're never in the same place at the same time. Like we have to plan dinners months in advance. There's less spontaneity. And so that's just difficult. I also run a remote company. I really miss going into an office. I love working remote, but I miss it. I miss the interaction. I miss seeing people. I will sometimes go days without seeing anybody. That's really difficult. So I think with friendships,

it's not immediately as easy, both in proximity and also it's the John Mulaney bit where it's like, oh, tonight's no good. How about Wednesday? Oh, you're in Dallas on Wednesday? All right. Well, let's just not see each other for six months and it doesn't matter at all. Like that's, that's what it feels like. The other thing too is that again, this is not new. Your friends will grow and change and friendships you think you will have for your entire life, you might not have for your entire life. And at the same time, friends that you meet randomly where you're like, I don't know if I'll ever be close to this person, you end up getting really close to. So just friendships in your 20s are both fun and also just a growing time, especially I think as you get older, as you get into your late 20s.

All right, my number two thing, I'm not going to harp on this. I don't want to is a full answer. No is a full sentence. I don't want to do that. You don't need to justify it. And I'm saying this to myself too. You don't need to justify it. You don't need to explain.

So many parts of my 20s were doing things for other people. I was doing things to please my parents in my early 20s. I was doing things to please my friends and our 5 million followers at the end of my 20s. I don't want to is a full sentence. You don't need to justify it. You don't need to explain. You can just say I don't want to is a full sentence. You don't need to justify it. You don't need to explain. You can just say, I don't want to. And that is good enough. Moving on.

Number three, my, one of my favorite quotes of all time, and I believe it's a Jay-Z quote. A closed mouth doesn't get fed. I'm going to look all you straight down the barrel on the camera. A closed mouth doesn't get fed. What does this mean? If you are not advocating for yourself, if you are not pitching yourself, if you are not showing up and saying,

yes, I would like that, please, you will not get it. If you are not opening your mouth, you are not going to get fed. If you want something, tell people you want it. I know that sounds obvious, but the amount of women I talk to who are like, I've always wanted to start a business but I'm too scared about talking about it, or I just had this really exciting thing happen in this big accomplishment but I don't want people to think I'm bragging. Absolutely not. We're done with that shit. We are done as women with downplaying our

accomplishments and with not talking about the things that we want. If you want something, tell other people you want it. You're more likely to get it. Even just saying it out loud, this is woo woo, but it's true. We've seen this work. Manifestation works. Saying it out loud convinces your brain and therefore the universe that you actually do want that thing.

You're more likely to get it when you speak it out loud. You are more likely to get opportunities if you say, Hey, yes, I would like that, please. Close mouth does not get fed. You just sitting down and doing good work at your company is not going to get you that promotion. It's not. Unfortunately, you have to advocate for yourself. Same thing with entrepreneurship. If you run a business and you want to get a certain person on your podcast or interview somebody or I mean, I, the only reason I have been on Good Morning America and the New York Times and the Today Show is because I politely bullied them and

it gave me what I wanted. Closed mouth does not get fed. No, you're not annoying them unless you're actually being annoying. Like you're not annoying them. It's not too much. You're not bragging. You're saying what you want, which is what men have done for centuries. A closed mouth doesn't get fed. And finally, the one I'm still learning, be okay being misunderstood.

In the same way that I don't want to is a full answer and no is a full sentence, there are going to be people committed to misunderstanding you. And even if you did explain yourself and explain everything that was going on in your brain and body and why you made your decision and you made a whole dissertation and a A and then a part B and then a part addendum to that A and B, like they're still going to be committed to misunderstanding you. And I will say uniquely for me as a public person, people misunderstand me every single day.

It literally happens probably every single day. It literally happens probably every single like hour. And I am working to be okay with that, to not have to explain or justify again, or to defend myself or to try to get you to understand. And I've also seen this with my personal relationships, especially in moments of disagreement. I am the person who just wants to be understood. I don't, okay, I hurt you. I'm really sorry. I need you to know why I did what I did because I didn't mean to hurt you. That doesn't matter. Your explanation doesn't really matter. The person still feels hurt. matter, the person still feels hurt. So it's okay to be misunderstood. And it's something that as I go into my thirties, I hope I get even better at, because I've only recently

discovered that it is a problem for me and that it's something I want to work on. It's okay. And it's going to happen. And we just need to tolerate being misunderstood sometimes. Especially with the people who are committed to misunderstanding us no matter what we do. Okay, Kristin has one note for me, which is listen at the end. So I'm going to go listen to this. Is this the one that's really going to make me cry? I'm nervous. Okay, here we go. Voicemail. Hi, Tori. This is Jenna. I live in St. Louis and I saw your post about turning 30 soon. I'm also turning 30 soon. So apparently, we were born very, very close to each other, which is very exciting. And so I don't have any advice for you about turning 30, of course, and all the advice that I received whenever I was in my 20s, I never actually took seriously. So I

will pass on that as well. But I do have a lot of friends who are turning 30 as well. And I always send them a poem about aging and enjoying that process. So I'll send it to you now here. This is Aging by Rupi Kaur. I often daydream about the woman I'll be when I leave the rush of my insecure 20s and pick up self-assurance on the way. I can't wait to make my 18 year old self jealous of the hell I raise, roaring into my 30s and 40s,

my soul becoming more potent with age at 50 I'll sit with my wrinkles and silver hair laughing about the adventures we've had together talking about the countless more and the decades decades ahead what a privilege it is to grow into the finest version of myself. Tori, it has been amazing watching you raise hell, doing the work that you do. So thank you. I also have a lot of friends who are having children, and regardless of their gender, of their child, I talk to them about financial feminism. My husband's very well versed in the, my spiel already, but I think it's important for them to hopefully pass

on how to kick ass in a patriarchal world. And if they're having sons, how to support women in that as well and be aware of that. Thank you. Thank you. First of all, thank you for evangelizing financial feminism. Thank you. We love it. And we'd love to see it, especially with the new generations that come up. I'm not just saying this to like wrap up the episode. You may have single-handedly just changed my entire perspective. I'm gonna try to say this without completely losing it.

If there's one thing I've become really, really good at, I hold the other versions of me with the utmost care. Like I look back at, you know, eight-year-old me and 15-year-old me and 20-year-old me and 26-year-old me who's really going through a hard time. 26 year old me who's really going through a hard time. And I have no notes. I'm not mad at them. I'm not angry at them even when they made decisions I wouldn't make now.

And I mean, maybe that's what it's about is it's just holding the various versions of myself really close as I age and showing them what it means to be the kind of person that they wanted to be even when they weren't. And I'm really good at that. I'm really, really good at making 18 year old me proud. And I'm also so proud of her. So maybe that's it. And I can go into 30 if that's it. That's fine. That's great. I'm good at that.

We can continue being good at that. Okay, well, that was lovely. I don't know how to end this episode. I don't know. I'll see you in stock market school. It's weird to plug right now, but I feel like we need to, because we need you to get wealthy

so that we can all fucking change the world together. Thank you to everybody who submitted a voicemail. It's so kind, especially our last person. Who is that? That was from Jenna. Jenna, thank you. I have to literally go in another meeting after this. I'm going to try to hold it together.

I always get very, very grateful around my birthday. I'm grateful every single day, but especially grateful. I am so grateful to our team. A reminder that this is not just me, we have a team of God, what are we at Kristen 1518 so many people working her first 100k. So when you support our show, you support all of them. And I'm so grateful to them and their work and especially Kristen and her podcast team for this show. I'm very grateful for you all. I'm

really honored to do this work and I'm honored to continue doing this work for let's say another eight years. We'll see what happens and I'm just I'm just really grateful so thank you and yeah I hope you have a kick-ass week. I don't know I'll just talk to you later. I'm yours in gratitude. Thank you. Thank you for listening to Financial Feminist, a Her First 100K podcast. Financial Feminist is hosted by me, Tori Dunlap, produced by Kristin Fields and Tamesha Grant.

Research by Sarah Shortino, audio and video engineering by Alyssa Medcalf, marketing and operations by Karina Patel and Amanda LaFue. Special thanks to our team at Her First 100k. Kaylyn Sprinkle, Masha Bakhmakeva, Taylor Cho, Sasha Bonar, Ray Wong, Elizabeth McCumber, Claire Karonen, Darrell Ann Ingman, and Megan Walker. Promotional graphics by Mary Stratton, photography by Sarah Wolf, and theme music by Jonah Cohen Sound. A huge thanks to the entire Her First 100k community for supporting the show. For more information about Financial Feminist, Her First 100k, our guests, and episode show notes, visit financialfeministpodcast.com.

If you're confused about your personal finances and you're wondering where to start, go to herfirst100k.com slash quiz for a free personalized money plan. This episode is brought to you by the Yap Media Podcast Network. I'm Hala Taha, CEO of the award-winning digital media empire, Yap Media, and host of Yap Young and Profiting Podcast, a number one entrepreneurship and self-improvement podcast where you can listen, learn, and profit. On Young and Profiting Podcast, I interview the brightest minds in the world and I turn their wisdom into actionable advice

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