Money Management Tips | What is ACTUALLY Ruining your Personal Finance

<p><strong>⏱️ Episode Timestamps:</strong><br />00:00 | In this episode<br />00:20 | Meet Elena Hawk<br />01:18 | How to spot a millionaire<br />02:14 | What car do rich people drive<br />04:26 | Personal finance for beginners<br />07:21 | Building an emergency fund<br />11:04 | Budgeting for beginners<br />13:07 | Subscriptions are the worst<br />16:55 | Personal finance 101<br />18:00 | Let's talk tax strategy<br />20:02 | Why pay for tax planning<br />22:50 | How to invest for beginners<br />25:52 | How to invest in stock market<br />28:39 | Index funds for beginners<br />34:07 | Take emotions out of personal finances<br />35:54 | How to become a millionaire<br />38:28 | What money management tips work<br />39:54 | Budgeting 101<br />42:33 | Money talk is crucial<br />44:25 | On a way to financial independence<br />50:16 | Cost of living Silicon Valley edition<br />55:30 | Quick Fire Round</p><p><strong>🎙️ Guest: Elena Hawk</strong><br />Elena is a CERTIFIED FINANCIAL PLANNER® professional, fractional CFO, and entrepreneur helping professionals and founders make confident financial decisions. She leads two financial firms focused on financial planning, investment management, and CFO advisory for startups and small businesses.</p><p>Her approach bridges personal and business finance, helping clients cut through noise, build systems, and gain control over their future. Elena’s work is rooted in clarity, strategy, and the belief that money should serve your goals — not the other way around.</p><p>🔗 LinkedIn: <a href="https://www.linkedin.com/in/elena-hawk" target="_blank" rel="ugc noopener noreferrer">Elena Hawk</a></p><p><strong>🎧 Host: Alena Gladkova</strong><br />Alena is the Founder of <strong>Key People</strong> — a recruiting agency that helps companies hire top global talent in AI, ML, iGaming, and Web3 — and the host of <em>Futures in the Making</em> podcast.</p><p>🔗 LinkedIn: <a href="https://www.linkedin.com/in/helen-glad" target="_blank" rel="ugc noopener noreferrer">Helen Glad</a><br />📸 Instagram: <a href="https://www.instagram.com/glad.helen" target="_blank" rel="ugc noopener noreferrer">@glad.helen</a></p><p>🕵️‍♀️ My team hires top global talents in AI, ML, iGaming, and Web3 for your business: <a href="https://kpeople.guru" target="_blank" rel="ugc noopener noreferrer">kpeople.guru</a></p><p>🚀 Boost your CV: <a href="https://kpeople.guru/service/career-coaching/" target="_blank" rel="ugc noopener noreferrer">Career Coaching</a><br />👥 Hire top tech talent fast: <a href="https://kpeople.guru/service/on-demand-recruiting/" target="_blank" rel="ugc noopener noreferrer">On-Demand Recruiting</a></p><p>#podcast #podcasts #podcastshow #personalfinance #financialfreedom #financialplanning #budgeting #moneytalk #financialwellness #futuresinthemaking #leadership #finance</p>