Financial Feminist

Today’s episode is so valuable, we decided to run it back. It's all about unlocking what I truly believe is the easiest money you will ever make — and yes, it’s as simple and lazy-girl-friendly as it sounds. I’m breaking down the one passive income strategy that requires zero extra hours, zero new skills, and absolutely zero stress: a high-yield savings account. If you’ve ever wished you could make money while taking a nap, running errands, or sipping a drink on the beach, this episode shows you exactly how to make your existing money work harder for you, without sacrificing your already-packed schedule.

Looking for a HYSA? We've done the research for you. See our partner recommendation (terms apply): https://herfirst100k.com/ffpod

00:00 Intro

01:14 The Problem with Checking Accounts

02:44 Why High-Yield Savings Accounts Matter

04:21 How to Set Up and Use a HYSA

08:44 The Power of Earning Interest

09:23 Using HYSA for Emergency Funds & Goals

10:22 Overcoming Myths & Fears

12:24 Making Money Passively

14:03 Is My Money Safe?

15:10 Final Thoughts & How to Get Started

Visit ⁠⁠https://herfirst100k.com/ffpod⁠⁠ to stay up to date and find any resources mentioned on our show!
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If you're carrying credit card balances and haven't looked into whether a lower-rate option is available, see if our debt-tool can help you: ⁠⁠⁠https://herfirst100k.com/ffpod⁠⁠.

What if the easiest business to start this year is one you could begin with a single DM? Justin Moore, sponsorship coach, founder of Creator Wizard, and author of Sponsor Magnet, has earned over $5 million in brand partnerships with his wife April, and spent seven years running an ad agency where he heard what brands say about creators behind closed doors.

We cover why building an audience may be the most AI-proof business you can start, why a tiny niche audience can out-earn a huge one, how to answer “what’s your rate?” without losing money, and the contract words that should make you run. If an extra couple thousand dollars a month would change your life, this episode shows you one way to get it.

Justin’s Links:

Website: https://www.sponsormagnet.com/

Also mentioned in this episode:

This Mistake Cost Me $500,000: https://herfirst100k.com/financial-feminist-show-notes/my-500k-mistake/

Jasmine Star: How to Build a Business from Nothing: https://herfirst100k.com/financial-feminist-show-notes/how-to-build-a-business-from-nothing/

00:00 Intro

01:18 Why building an audience is the most AI-proof business

03:03 You don’t have to be an “influencer” to do this

08:29 Side hustling the 5-to-9

11:05 What you actually need to start (one person)

14:37 Why Justin started calling out the gatekeepers

17:03 What running an ad agency taught him about how brands pay

19:37 Who undercharges most

24:55 How to answer “what’s your rate?”

29:10 Justin’s 8-step partnership system

38:53 Contract red flags: perpetuity, exclusivity, out clauses

43:46 Why Justin says don’t hire a manager

48:47 My half-million-dollar agency mistake

53:32 The $1 million math on a 20% cut

54:24 Rapid fire: free product, worst pitches, follower myths

58:37 One thing every creator should do today
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Why do we keep repeating patterns that don’t serve us? Today I'm sitting down with Sabrina Zohar, relationship coach, host of The Sabrina Zohar Show, and author of the new book Why Am I Like This, to figure out why. We’re talking about the unconscious programming behind how we handle love, conflict, rejection, and even our own success. If you've ever over-given, stayed too long, or known exactly what you were doing while doing it anyway, you're in the right place. Sabrina walks through two questions that can interrupt an old belief before it makes a present-day decision, what self-abandonment looks like on a random Tuesday, and how all of it shapes what you think you're allowed to ask for and earn. You will feel seen. You will also feel a little called out. Share it with every woman in your life.

Sabrina’s Links:

Website: https://sabrinazohar.com/

Book: https://sabrinazohar.com/book

Learn the exact strategies to save money, pay off debt, improve your money mindset, and increase your net worth. Get your personalized plan: ⁠⁠https://herfirst100k.com/ffpod⁠.

00:00 Intro

01:35 The pattern women swear isn't a pattern

02:40 Window of tolerance and why discomfort feels unbearable

08:10 The texting spiral, and the two questions that interrupt it

13:20 173 texts: what Sabrina understands about her younger self now

17:00 Gut vs. anxiety (does the pinch match the ouch?)

19:05 Being attached to the story of a relationship

22:55 Finding the belief underneath the behavior

27:45 When your "logical" brain makes the worst decisions

31:20 Getting out of your head and into your body

32:30 Hiring out of fear, and learning to trust yourself

41:35 What self-abandonment looks like on an ordinary day

44:30 Saying no, boundaries, and grieving who you lose

49:10 You're allowed to outgrow people

51:00 How worthiness shapes what you ask for and earn

56:15 Moving through shame instead of ruminating

66:05 Healing doesn't mean never getting triggered

70:05 What to do the moment you notice yourself shrinking

73:40 The self-trust marble jar
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The 2026 job market has been brutal. If you’ve been looking for a job, you know how tough it is. If you already have a job, I’m sure you’ve been told that you should just be grateful. Keep your head down, don’t make waves, ask for a raise when things "settle." My guest today thinks that instinct is completely backwards, and after this conversation, so do I. Kathryn Valentine –– executive coach, one of the country's leading experts on women's negotiation, and repeat guest –– coaches women inside communities like J.P. Morgan, Bain, and KPMG. And her work starts with an uncomfortable finding: women now negotiate as often as men, but succeed about half as often. Today we're talking about what to do when your company says there's no budget, why the timing of your ask matters so much, what AI gets wrong about your salary, and how to survive the messy middle of a negotiation without folding. If you've been telling yourself you'll just wait a year to ask, listen to this first.

Kathryn’s Links:

76 Things You Can Negotiate at Work: http://76things.com/

Learn more about Kathryn Valentine: http://worthmorestrategies.com/

Negotiate Like a Woman with Kathryn Valentine: https://herfirst100k.com/financial-feminist-show-notes/negotiate-like-a-woman/

Learn the exact strategies to save money, pay off debt, improve your money mindset, and increase your net worth. Get your personalized plan: ⁠⁠https://herfirst100k.com/ffpod⁠.

00:00 Intro

02:13 Why negotiation matters: career, stress, and $1M

05:24 Women ask now, but with the wrong tools

06:30 Negotiating during layoffs

08:28 The relational ask (and the WSJ advice that backfires)

11:36 Common negotiation mistakes women are told to make

13:12 What to ask for when raises are frozen

15:33 The 76 things you can negotiate

19:42 The gender gap goes way past base salary

26:42 In the room: what to say when it goes off-script

31:08 The three biggest mistakes that sink negotiations

34:15 How to find your market rate

37:32 "Ask a white guy"

40:34 Should you use AI to prep?

44:29 The average negotiation lasts 25 days

45:57 Live calculator: what one raise is worth

50:25 Who to talk to (and who to avoid) during a negotiation

56:54 Changing jobs when the economy is bad

59:25 When to leave corporate and build your own thing

66:27 Why mid-sized companies are best for flexibility

71:07 What to do this week
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Carleigh Bodrug is back! She's the CEO and founder of PlantYou, a #1 New York Times bestselling author, a self-taught plant-based home cook, and the author of the brand-new cookbook Quickies. Her first episode was one of our most-loved ever, so I brought her back to tackle one of the biggest line items on your budget right now: food. We get into why convenience wins at 6 PM, how to actually cut your grocery bill, how to stop throwing money in the trash (literally), and why a food system works the same way a money system does. It's practical, it's shame-free, and there is a salad kit eaten out of a mixing bowl.

Carleigh’s Links:

PlantYou Quickies book

Carleigh's Instagram

How to Lower Your Grocery Bill and Stop Food Waste

Additional Resources Mentioned:

millionaire mindset: parenting yourself episode

Ready to take the confusion out of investing? Learn the exact methods to start investing, avoid the mistakes that cost people millions, and how to balance investing while paying off debt inside Stock Market School. Learn more here: ⁠https://herfirst100k.com/ffpod.



00:00 Intro

00:42 What Happens to Healthy Habits When You're Maxed Out

04:16 The Psychology of Pre-Cut Food

07:26 Shop Your Pantry First

11:15 The Deeper Psychology of Convenience

12:51 Cooking as an Investment in Yourself

18:23 Building a System That Beats Willpower

24:52 How "Quickies" Was Born

28:08 What Makes a Recipe Actually Quick

32:00 Perfection Is the Enemy of Good

35:33 Using Every Scrap: Reducing Food Waste

39:31 Cooking Is a Learned Skill

43:54 Rapid Fire Speed Round

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