Money Chill Out

💥 Michelle craved acceptance and belonging so deeply, it drove her into serious financial trouble. Despite juggling multiple jobs, she found herself buried in: * 💳 Personal loans * A 4th repossession * 💔 Financial trauma 📉 She wasn’t lazy. She worked hard. But the numbers never added up. The turning point? Hitting rock bottom and having a brave moment of honesty and accountability. 💡 In this episode #105, we talked about: * How financial illiteracy is a hidden barrier that keeps people stuck * The role of our environment, fears, and internalized beliefs in shaping our money mindset * How financial instability affects our mental, emotional, and physical health * Her memoir "Bluebirds" which is a call to action to face reality, speak up and ask for help * Why financial education must become a priority in social justice—because we can’t fix what we don’t talk about. Michelle also dives into her vision for #stability: 🌍 Launching free financial literacy programs this fall in Atlanta, then Mississippi 🚀 Her dream: Headquarters in every major U.S. city This is more than a conversation. It’s a movement.

🎓💰 Why Student Loans Are More Than Just a Personal Issue This week on @Money Chill Out podcast, we tackle a topic affecting 45 million Americans and counting — student loans — with @Cédric Howard. 📊 With $1.7 trillion in debt and average balances nearing $29,000, this isn’t just a financial problem — it’s a political, planning, and priority issue. In this episode #104, we unpack: ✅ Why state funding cuts triggered a tsunami of student debt ✅ Misconceptions — yes, anyone can end up with student loans ✅ The true cost of borrowing at 8–16% interest rates ✅ Smart strategies to manage or defer payments ✅ Why forgiveness is politically powerful — but not always fair ✅ What the future might hold: more applied, hybrid learning paths 💡 “Don’t let your loan consume you. Use the same drive that got you the degree to pay it off.” Whether you’re paying off debt, planning for college, or curious about the system, this episode offers clarity, perspective, and hope.

💔 From 1m Profit to Bankruptcy — and the Powerful Rebuild That Followed This week, we dive into the rollercoaster journey of @charline Goutal, an inspiring entrepreneur behind Naia Paris, a bold French lingerie brand that dared to redefine femininity — joyful, confident, and unapologetically real. 🎧 It’s a raw and inspiring conversation about: ✨ Building a brand with soul — Made in France, expanded into loungewear, swimwear, and ready-to-wear ✨ Hitting €1M in profit, ✨ Suffering endless external shocks : A business partner’s sudden departure, social unrest, and COVID ✨ Facing the unthinkable: bankruptcy. ✨ The emotional toll of losing the company she built with love ✨ Letting go — not as failure, but as survival ✨ Rebuilding from scratch with more maturity, humility, and purpose At 34, she found herself back at her parents’ house, baby in arms and broke Four years later, she’s launched a new venture — stronger, softer, and unapologetically wiser. 💬 “You didn’t do anything wrong. You tried your best.” This episode is for every entrepreneur navigating uncertainty, the highs and the lows of business, burnout or reinvention. It’s honest, healing, and deeply human.

“You need to money to live so it’s better to love what you need!” ❤️ In my latest Money Chill Out episode, I sit down with Vanessa Mindset, a former banker turned money coach, who knows firsthand how our beliefs about money shape our reality. 🚀 Her journey? From poverty and money anxiety, she now feels comfortable and financially secured. She didn’t just learn about money—she mastered the psychology behind it. 🔥 Her approach? ✅ Laughing around money—because adding more anxiety doesn’t help! ✅ Tackling emotional spending and subconscious money blocks. ✅ Challenging financial myths (like the pressure of 50/50 in relationships!) 💡 Her #1 lesson? You change what you think, you change who you are—and your financial reality follows.

💭 Think financial fairness means splitting everything 50/50? It’s time to rethink that. The truth is, it’s an illusion to contribute 50/50 all the time—and that’s okay. What matters is equity, not equality in how couples manage money. On today’s episode of Money Chill Out, I’m thrilled to welcome Marie Lahya, founder of À parts égales, to explore how couples can build a fair financial approach that works for both partners. 🎙️ Episode #102 – What We Cover: 🔹 Why Marie Lahya became passionate about personal finance 🔹 The key difference between equity vs. equality in money matters 🔹 How an equitable approach makes daily financial decisions easier 🔹 Tips for opening a healthy financial discussion with your partner 🔹 How she approaches real estate investments as a couple 💡 This conversation will challenge your thinking about money in relationships. I urge you to listen and reflect on how you and your partner handle finances!