One Step Wealthier

In today’s episode, I’m reflecting on something that changed how I see money completely: the three types of spending — expenses, treats, and investments.I share how I used to spend without thinking in my twenties, chasing experiences and buying things just because others did. But over time, I started to ask myself: Is this really helping me build the life I want? That’s when everything shifted.This episode is full of personal examples — from lash extensions and high heels to toe spacers and organic food. You’ll hear how I now try to spend more on the things that bring long-term returns — not just in money, but in health, freedom, and confidence.💭 I also want to invite you to reflect:What was the last thing you spent money on?Was it an expense, a treat, or an investment?If your money could vote, what future is it voting for?And if you’re thinking about starting to invest but don’t know where to begin — I’ve got a free beginner’s guide that I really wish I had when I started. Click on this link to dowload it: https://onestepwealthier.carrd.co/💚 Thank you for being here and helping yourself get One Step Wealthier. Let’s keep growing together — one decision at a time.

In this episode of One Step Wealthier, I open up about two key moments in my life where I nearly followed a path that wasn’t mine—starting a family I didn’t really want and pursuing a career that didn’t fit my values. These were default decisions I almost made because they seemed “right” from the outside.Join me as I reflect on how stepping back, questioning norms, and choosing consciously helped me avoid regret—and how you can do the same. Are you living a life that aligns with your values? Or one that’s just... expected?Let’s explore that together.

Ever heard someone say everything used to be better? In this episode, I’m challenging that idea. From stock market access to freedom of speech, we have more opportunities than ever before. As a woman, I reflect on how lucky I am to live today — where I can choose how to live, love, work, and invest. It’s not perfect, but it’s progress. Let’s put things into perspective.📩 Want to chat about your money journey? I’m opening up a few free money coaching spots. DM me on Instagram @onestepwealthier or email [email protected]. No pressure—just a chat.🌱 Want to start investing but feel overwhelmed? Download my free guide Start Investing Without Freaking Out here: onestepwealthier.carrd.co

In today’s episode, I’m sharing my honest confession: I am a complete sleep enthusiast — or, as I joke, a sleep nerd. I talk about why sleep matters more to me than nights out, how I’ve built my perfect sleep routine (blackout curtains, earplugs, eye masks, and all), and how prioritizing rest has shaped my health, mood, and even my financial goals. I also reflect on how sometimes protecting your needs means saying no to plans — and that’s completely okay. If you’ve ever felt guilty for choosing an early night over a party, this episode will make you feel seen. Let's dive into why investing in your sleep might just be one of the best investments you’ll ever make.New episodes every Sunday! If you find this useful, please share it with someone you think might enjoy it too.

Is money really the root of all evil — or is that just an old belief we never questioned? In this episode, I explore how our childhood experiences shape our money mindset and how those hidden beliefs might be quietly sabotaging our financial goals. I reflect on a surprising comment from a colleague, the deeper meaning behind our discomfort with wealth, and why rewriting your money story can be the first step to building a life you actually want.

In today’s episode, I share some reflections inspired by the book Die With Zero by Bill Perkins — and how it completely changed the way I think about money, investing, and life.Instead of regretting not investing in my 20s, I now see those years as a gift: a time when I invested in travel, experiences, and building “memory dividends” that are still paying off today.I also talk about how I now view life as a series of mini-retirements, and why balancing time, money, and energy is more important to me than saving everything for a distant future.Join me for this personal reflection, and maybe rethink how you want to invest — not just in stocks, but in your own life.📩 Want to chat about your money journey? I’m opening up a few free money coaching spots. DM me on Instagram @onestepwealthier or email [email protected]. No pressure—just a chat.🌱 Want to start investing but feel overwhelmed? Download my free guide Start Investing Without Freaking Out here: onestepwealthier.carrd.co

In this episode, I share a more honest reason I invest: not just to retire early, but to create options.Financial freedom isn’t about never working again—it’s about never having to do work that drains your soul just to pay rent. It’s the freedom to walk away from jobs that don’t align, to switch careers, to take a sabbatical, or to chase something that feels more like you.I talk about:What “optionality” really means in day-to-day lifeWhy you should still invest even if you love your jobHow money gave me the ability to move countries, take risks, and walk away from misaligned pathsWhy even small amounts matter—and how inflation and shaky pensions are real risks we need to faceWhether you’re all in on FIRE or just want to feel less stuck, this episode is a reminder that money is more than just money—it’s about dignity, space, and freedom.📩 Want to chat about your money journey? I’m opening up a few free money coaching spots. DM me on Instagram @onestepwealthier or email [email protected]. No pressure—just a chat.🌱 Want to start investing but feel overwhelmed? Download my free guide Start Investing Without Freaking Out here: onestepwealthier.carrd.co

I didn’t have the easiest childhood—violence, instability, substance abuse. But I’m not here to unpack it. I’m here to say: it happened, and I chose not to let it define me.In this episode, I talk about why I don’t lead with my trauma, how I process what happened without making it my identity, and why the victim mindset—though tempting—isn’t where I want to live. The past is my raw material, not my full story.If you’ve had a tough start too, this one’s for you. Not for pity, but for power. For direction. For choosing forward.🎧 Let’s get One Step Wealthier—together.

In today's episode, I reflect on how no-spend days became a quiet but powerful part of my FIRE journey. Working over 60 hours this week made me realize again how these simple, intentional days — when I cycle to work, bring my own lunch, and avoid unnecessary spending — are buying back my future freedom. I talk about how these habits are not about being cheap, but about being free — and how they’re helping me build towards a mini-retirement in just a few years. If you’re on a journey to more time, freedom, and peace, this episode is for you.📩 Want to chat about your money journey? I’m opening up a few free money coaching spots. DM me on Instagram @onestepwealthier or email [email protected]. No pressure—just a chat.🌱 Want to start investing but feel overwhelmed? Download my free guide Start Investing Without Freaking Out here: onestepwealthier.carrd.co

What if you could shift the direction of your life with just one focused hour a day? In this episode, I talk about the power of using 60 minutes to work on yourself — whether it's learning a new skill, building a side project, or creating something meaningful like this podcast. I share how dedicating one hour daily helped me qualify as a financial advisor, grow my creative voice, and rethink how I use my time. No pressure, no hustle. Just intention.Whether you're short on time or motivation, this episode is for you.👣 Let’s take One Step Wealthier — one hour at a time. 📩 DM me or email [email protected] if you’d like to share your journey or just say hi.🌱 Want to start investing but feel overwhelmed? Download my free guide Start Investing Without Freaking Out here: onestepwealthier.carrd.co

In the FIRE (Financial Independence, Retire Early) world, the 4% rule is treated like gospel. But what if that rule doesn’t fit your life? In this episode, I share why I’m choosing to challenge the conventional wisdom and take a more flexible approach to early retirement.I break down what the 4% rule is, why it was created, and why I’ve decided it doesn’t serve me. From my plans to retire at 41 to my belief in balancing time, energy, and money — this episode dives into how I’m shaping my financial path based on my life, not someone else’s model.Whether you're planning to follow the rule to the letter, tweak it like I do, or throw it out completely, this episode is a reminder that personal finance should be personal. You’ll also hear how I’m building optionality into my life through a low-cost lifestyle, flexible work plans, and keeping an eye on the market.If you’ve ever questioned the “rules” of FIRE, or you’re dreaming of a life with more freedom, less pressure, and a bit of barista work mixed in — this is for you.

Are you stuck in a cycle of work, spend, repeat? In this episode of One Step Wealthier, I reflect on a conversation with coworkers that sparked a powerful reminder — you don’t have to stay on the hamster wheel forever. I share my personal journey of investing, saving, and designing a life that buys freedom instead of things.We’ll explore:Why earning more won’t free you if you spend it allHow investing small amounts with consistency changes everythingWhy freedom, not lifestyle, is my ultimate flexThe power of walking your own trail — literally and financiallyIf you're tired of spinning in place, this episode is for you. It's not about how much you earn. It’s about what you do with it.

In this episode, I explore the quiet but powerful idea that no one is living wrong — we’re all just living according to our values. I share how discovering that freedom is my top value helped me shape a life that’s simple, intentional, and happily single — even if it goes against what others expect.I also talk about the trap of chasing someone else’s dreams, the importance of aligning your work and money with what truly matters to you, and why I believe investing is how I buy my future freedom.This one’s honest and personal. If you’ve ever felt like you’re living a life that doesn’t quite fit, this episode might help you pause and ask: Whose values am I really living by?

In today’s episode, I challenge the idea that routine is boring or rigid. For me, routine is the exact opposite—it’s freedom. It’s the tool that helps me stay consistent with investing, exercising, eating well, and even waking up early, all without willpower or decision fatigue.Routine isn’t about being disciplined. It’s about removing friction from the habits that matter most. I share how building structure into my day has made everything easier—and how it might do the same for you. If you feel stuck or drained by daily decisions, this one’s for you.

This isn’t a motivational pep talk. It’s an honest look into what it feels like when you're doing everything right—early mornings, consistency, discipline—and still, nothing seems to move. No recognition, no growth, no signs of progress.In this episode, I talk about being in the “valley of despair”—that painful middle space between starting and succeeding—and choosing to keep going anyway. If you’ve ever questioned whether your hard work matters, or whether you should just give up... this one’s for you.🎧 Plus, I share a free guide for anyone wanting to start investing but not knowing where to begin.

On Instagram, it can feel like everyone’s blowing up overnight — but real, lasting growth often looks a lot quieter.In this episode, I talk about: 🌳 Why fast success isn’t always strong success 🎋 The Chinese bamboo tree (and what it taught me about patience) 📉 Why my podcast growing slowly doesn’t mean it’s failing 📈 How I apply the same mindset to my money and investments 👟 And why we don’t need to sprint — just keep walkingIf you’re working on something that’s growing slowly, this one’s for you.📩 Want my free investing guide? You can grab it from my Instagram bio or hereIf this resonated with you — share it, DM me, or just keep going. We’re building something real here. Step by step.

During the pandemic, I almost bought a flat. I had the cash, the pressure, the “get on the ladder” advice from everyone around me… and I nearly said yes.But something stopped me — and I’m so glad it did.In this episode, I share:Why I was convinced property was the way to build wealthWhat changed my mind about home ownershipThe freedom renting has given meThe hidden costs of buying that no one talks aboutAnd the big lesson I learned from my mortgage certificationIf you’ve ever wondered whether renting is “throwing money away” or if buying is always the smarter choice — this one’s for you.✨ Mentioned in this episode:Ramit Sethi’s I Will Teach You to Be RichThe power of compound interestMy free guide: Start Investing Without Freaking Out → Grab it via the link in my Instagram bio @onestepwealthier or onestepwealthier.carrd.co💬 Like the episode? Share it with a friend or DM me — I’d love to hear your thoughts. And remember: the best time to invest was yesterday. The second best is today.

Do you ever feel like you're doing everything right — working hard, earning more — yet still struggling to get ahead? This episode is a wake-up call about the hidden trap of trying to "act rich" while sacrificing your actual future wealth.I talk about:Why relying on a state pension is risky at bestThe difference between spending money and having moneyWhat real wealth actually looks like (hint: it’s what you don’t see)How to enjoy your life now without sabotaging your 70s, 80s, or 90sThe power of small, consistent investing — even if you're starting lateIf you're ready to stop drifting and start steering your financial future, this one’s for you. 🎁 Grab my free guide Start Investing Without Freaking Out via the link in my Instagram bio @onestepwealthier.📩 Want to chat about your money journey? I’m opening up a few free money coaching spots. DM me on Instagram @onestepwealthier or email [email protected]. No pressure—just a chat.

In this episode, I talk about something I’m still learning myself: how to rest without guilt.I share a personal story about almost working 14 days in a row (again) and what made me stop mid-email. I’ve always believed that more work equals more worth — and it’s a belief I’m actively unlearning.This is an episode for anyone who feels the urge to fill every blank spot on their calendar, who struggles to slow down, or who has trouble seeing rest as something valuable.We’ll talk about: – Why rest isn’t laziness – How overworking shaped my thinking – Why productivity often starts with a pause – Giving yourself permission to do... nothing💬 Let’s normalize recovery. Let’s see blank space in our calendar as something we earned — not because we did enough, but because we exist.Let me know if you’ve felt this too — message me on Instagram @onestepwealthier.If this episode speaks to you, feel free to share it with someone who also needs this reminder today. 💛📩 Want to chat about your money journey? I’m opening up a few free money coaching spots. DM me on Instagram @onestepwealthier or email [email protected]. No pressure—just a chat.🌱 Want to start investing but feel overwhelmed? Download my free guide Start Investing Without Freaking Out here: onestepwealthier.carrd.co

In this episode of One Step Wealthier, I explore why true financial freedom isn't about endless earning — it's about needing less. I share a parable of two brothers, one a royal advisor and the other a monk, to illustrate the balance between ambition and contentment. Drawing from my own experience working hourly jobs and building toward independence, I unpack why lowering your needs can raise your freedom. If you've ever felt stuck between chasing more and wanting peace, this episode is for you.📩 Want to chat about your money journey? I’m opening up a few free money coaching spots. DM me on Instagram @onestepwealthier or email [email protected]. No pressure—just a chat.🌱 Want to start investing but feel overwhelmed? Download my free guide Start Investing Without Freaking Out here: onestepwealthier.carrd.co

In this week’s reflective episode, I talk about the rejection that turned out to be a blessing in disguise. After going through a six-stage recruitment process for a financial advisory firm, I was devastated to be turned down — but in hindsight, it saved me from a career that would have clashed deeply with my core values.I share my experience, my take on integrity in the financial industry, why I stepped away from becoming a financial advisor, and how the Rebel Finance School helped confirm that path. If you've ever faced rejection or questioned whether a “dream job” is truly for you, this episode is for you.✨ Let’s talk FIRE, freedom, and finding peace in walking your own path — even when it's not the one you thought you'd take.

Is earning more always the answer?This week, I reflect on a powerful conversation with friends about raising income vs. cutting spending — and share why I’ve chosen a different path. My income isn’t scalable right now, and instead of chasing more hours or higher pay at any cost, I’ve chosen peace of mind, low expenses, and integrity.🎧 Quick heads-up: I recorded this one in a meeting room with an aircon that clearly wanted to co-host the episode. The background noise is a bit more noticeable than usual — thanks for bearing with it!In this episode:Why income isn’t always “limitless”What to do if you can’t earn more right nowThe power of building quietly and slowlyWhy integrity matters more than titles (and how it shapes my choices)Reframing ambition — it’s not just about career laddersIf you’ve ever felt like you’re “dreaming small” by choosing calm over chaos or alignment over hustle — this one’s for you.📩 DM me if this resonates — I’d love to hear your thoughts.🛠️ Grab my free guide “Start Investing Without Freaking Out” here: https://onestepwealthier.carrd.co/

For years, I thought I was an extrovert. I love chatting with people, I’m never shy in social settings, and I’m often the one starting conversations. But here’s the twist — after a day full of social interaction, I feel completely drained.In this episode, I share how I discovered I’m actually an ambivert and how working in a people-facing job left me facing something very real: introvert burnout. I talk about my weekly “me-day,” why solitude isn’t selfish, and how embracing this need for alone time has reshaped my lifestyle, career thinking, and self-worth.If you’ve ever felt exhausted after too much socializing — even if you love people — this one’s for you.

You don’t need a six-figure salary to build wealth — just patience, consistency, and a plan. In this episode, I share how I’ve built financial security through minimum-wage jobs, consistent investing, and choosing peace of mind over hustle.If you’re not earning more yet, this one’s for you.💸 How small amounts can add up to real freedom 🧠 Why you don’t have to “wait until” to start 🛑 What to stop spending on (yes, even lottery tickets) 🛠️ The power of optionality over status📩 Get the free guide I wish I had 10 years ago: https://onestepwealthier.carrd.co/@onestepwealthier | One listener at a time ❤️

In today’s episode, I share how my definition of wealth has evolved over the years — from growing up in a communist country, to chasing validation through travel, to finally discovering that true wealth means time, health, freedom, and peace.I talk about how minimalism, quiet mornings, and working on passion projects like this podcast became my new measures of a rich life — and why I no longer need external validation to feel fulfilled.I also invite you to reflect: What does wealth mean to you?📩 Want to chat about your money journey? I’m opening up a few free money coaching spots. DM me on Instagram @onestepwealthier or email [email protected]. No pressure—just a chat.🌱 Want to start investing but feel overwhelmed? Download my free guide Start Investing Without Freaking Out here: onestepwealthier.carrd.co

In today’s episode of One Step Wealthier, I talk about why I chose a simple, low-stress job over chasing titles or corporate recognition. I work as a receptionist—not because it’s my “dream job,” but because it gives me what I actually need: time, energy, and mental space to build my own dreams.I share why I’m not trying to turn my passion into a paycheck, why I’m okay with a job that funds my life without draining me, and how working on yourself matters more than working toward someone else’s goals.If you’ve ever felt pressure to chase status—or questioned if “just a job” could be enough—this episode is for you.🎧 Listen now and get honest about what you really want from your work. 📘 Download my free investing guide here

In this episode of One Step Wealthier, I share what recent market volatility taught me about diversification and emotional peace of mind. We dive into the concept of negatively correlated assets — what they are, why they matter, and how they’ve helped me feel more secure with my investments.💡 Topics we cover:What are negatively correlated assets?How gold, crypto, and cash can stabilize your portfolioWhy I’m not a big fan of bonds (at least for now)The importance of cash not just for emergencies, but also for opportunitiesHow diversification helped me stay calm when the markets dippedThis is not financial advice — it’s my personal approach and lessons learned. Always do your own research.If you’d like to chat about your portfolio or money journey, feel free to message me on Instagram @onestepwealthier or email [email protected] — I’ve opened a few free coaching spots.🌱 Want to start investing but feel overwhelmed? Download my free guide Start Investing Without Freaking Out here: onestepwealthier.carrd.co🟡 Stay diversified, stay calm, and stay wealthy.

This episode started quietly—with a glass of wine and an evening alone—and turned into something deeper. I talk about the difference between loneliness and solitude, and how I went from craving connection to finding peace in my own company.From a party-filled life in my 20s to cycling solo through the Australian outback (and crying on the side of the road), I share how solitude became a source of strength rather than something to escape.This one’s for you if:You feel guilty for wanting more time aloneYou’re wondering whether your solitude is healthyYou want to build a life that feels grounded—even when it’s quiet💬 Let’s connect:Instagram: @onestepwealthierEmail: [email protected] coaching spots open—no pressure, just a chat.🌱 Want to start investing but feel overwhelmed? Download my free guide Start Investing Without Freaking Out here: onestepwealthier.carrd.co

In this episode, I share a deeply personal reflection sparked by a recent health scare. It wasn’t serious, but it made me stop and really consider how I spend my time, energy, and focus — and how often we overlook the most important investment we can make: our own health.You’ll hear about:Why energy is a resource worth protectingThe real ROI of exercise, food, sleep, and restHow I approach fitness as a long-term investment (not a quick fix)The connection between physical health and mental clarity — including financial decision-makingA reminder that compound interest doesn’t just apply to moneyThis one’s for anyone who wants to build a richer, more sustainable life — and who knows deep down that health is freedom.💡 Quote to remember:“You can’t buy back energy — but you can build it, protect it, and invest in it.”💬 Got thoughts or want to talk about your own journey? DM me on Instagram @onestepwealthier or email me at [email protected]. No pressure — just a chat.🌱 Want to start investing but feel overwhelmed? Download my free guide Start Investing Without Freaking Out here: onestepwealthier.carrd.co🎙 New episodes every Sunday — subscribe so you don’t miss a step. And thank you for being here. Every download means the world.

In this episode of One Step Wealthier, I open up about a big realization I had on my FIRE journey—saving money, even on a low income, isn't enough. I share how I used to feel like a master saver, tucking away money even during call center jobs, only to find out that savings alone won’t build long-term wealth. We’ll talk about inflation (yes, the sneaky flatmate that eats your money), why your bank account isn’t your best friend, and how investing is the true game changer.If you’ve ever wondered why your savings never seem to stretch as far as they used to, or how to actually grow your money even when you’re not earning much—this one’s for you. I’ll also ask the question: are you only saving, or are you investing too?Let’s get One Step Wealthier, together.📩 Want to chat about your money journey? I’m opening up a few free money coaching spots. DM me on Instagram @onestepwealthier or email [email protected]. No pressure—just a chat.🌱 Want to start investing but feel overwhelmed? Download my free guide Start Investing Without Freaking Out here: onestepwealthier.carrd.co

In this raw and real episode, I talk through all the jobs—yes, all of them—that helped me stay on track with my FIRE (Financial Independence, Retire Early) journey. From translation dreams crushed by reality, to countless call centers, barista gigs, flyer-handing, NGO fundraising, NHS interpreting, cat sitting, and finally landing in security—I’ve done it all.If you think you need to be a tech bro or part of a DINK household to reach FIRE, this one’s for you. I’m a SINK (Single Income, No Kids), earning just above minimum wage in London, and still building my financial independence... with a bike and a lunchbox.You’ll hear about:Why I left a career in translation (and why I keep trying to go back)The surprising lessons from call centers (and why your agent might’ve hung up on you)Why I chose gigs over corporate sales rolesThe truth about freelance translation, interpreting, and emotional burnoutThe value in “unprestigious” jobs—and what they’ve taught meNo shame. No filters. Just the real behind-the-scenes of what it takes to fund a FIRE journey when your salary isn’t in the top bracket.💬 What’s the weirdest job you’ve ever taken to make some extra cash?📩 Want to chat about your money journey? I’m opening up a few free money coaching spots. DM me on Instagram @onestepwealthier or email [email protected]. No pressure—just a chat.🌱 Want to start investing but feel overwhelmed? Download my free guide Start Investing Without Freaking Out here: onestepwealthier.carrd.co

Think financial independence is only for tech bros and high-earning couples? Think again.In this episode, I talk about pursuing FIRE (Financial Independence, Retire Early) on a modest income—on my own, living in London, without six-figure earnings or a partner to split bills with. I'm what you'd call a SINK: Single Income, No Kids.I cover:Why FIRE often feels like a high-income club (and why it shouldn't)What it’s really like navigating FIRE circles and forums as a low earnerWhy I still believe FIRE is possible for me—and for anyoneHow I stay the course, even when the numbers feel slowThis one’s for anyone who’s ever felt like they don’t earn “enough” to be on the FIRE path. You don’t need a big salary. You need clarity, consistency, and your own version of freedom.📩 Want to chat about your money journey? I’m opening up a few free money coaching spots. DM me on Instagram @onestepwealthier or email [email protected]. No pressure—just a chat.🌱 Want to start investing but feel overwhelmed? Download my free guide Start Investing Without Freaking Out here: onestepwealthier.carrd.co

In this episode of One Step Wealthier, I share the biggest lesson from a recent talk I gave to a group of women eager to invest—your 'why' matters more than the 'how'. Whether it's financial independence, personal freedom, or supporting loved ones, your motivation is the real engine behind consistent saving, investing, and personal growth. I dive into my own why—freedom to hike on my terms—and how clarity of purpose makes willpower almost unnecessary. Tune in to reflect on your own deeper reasons and get inspired to build habits that stick.💡 Ask yourself: What do I want most deeply? What would I do if I didn’t need permission?📩 Want to chat about your money journey? I’m opening up a few free money coaching spots. DM me on Instagram @onestepwealthier or email [email protected]. No pressure—just a chat.📘 Grab my free guide on “How to Start Investing Without Freaking Out”

This episode wasn’t planned—but life rarely is. A single email this morning pulled me back to 2018, to the middle of the Pacific Ocean, on a yacht I had no business being on.With no sailing experience, not much swimming confidence, and a head full of doubts, I joined a 70-something New Zealander named Peter Mortimer on a voyage from Vanuatu to Australia. It changed me.In this unscripted episode, I share what sailing taught me about fear, freedom, and the stories we tell ourselves about what’s "safe." I talk about:Doing things before you're ready (because you're never really ready)Letting go of the 9-to-5 blueprint and seeing new ways to liveHow less stuff = more freedomMoney as a tool, not a finish lineWhy control is often an illusion—and that’s okayThis journey helped shape the person I am today. I hope it gives you a nudge to take your own leap, even if you’re not sure where you’ll land.📸 Photos + article: Check my Instagram @onestepwealthier 💬 Coaching spots: DM me or email [email protected] if you're curious—no pressure.🔗 Links Mentioned:Tamariki does Attenborough Among the birds at Chesterfield Archipelago (https://classicyacht.org.nz/wp-content/uploads/Issue-122.pdf)Thanks for listening. Stay brave, stay curious—and stay wealthy in the ways that matter most.📩 Want to chat about your money journey? I’m opening up a few free money coaching spots. DM me on Instagram @onestepwealthier or email [email protected]. No pressure—just a chat.🌱 Want to start investing but feel overwhelmed? Download my free guide Start Investing Without Freaking Out here: onestepwealthier.carrd.co

Ten years ago, investing felt like a secret language spoken only by men in suits. In this episode, I’m talking to the version of me that was too intimidated to even start—and to anyone else who thinks they’re not smart enough, too late, or not “finance-y” enough to invest.This one’s especially for women who’ve been told money isn’t their thing. (Spoiler: it is.)We’ll walk through:Why you don’t need to know everything before startingWhat to sort out before you begin (debt, emergency fund, etc.)The easiest way to open an account and pick your first fundWhy consistency > intensity in investingHow to avoid common scams and get-rich-quick trapsAnd if you’ve ever wished someone would just talk you through it, I’ve opened a few free coaching spots. Totally informal. Just email me at [email protected] or DM me on Instagram @onestepwealthier and we’ll chat.You’ve got this—and I promise, your future self will thank you.📩 Want to chat about your money journey? I’m opening up a few free money coaching spots. DM me on Instagram @onestepwealthier or email [email protected]. No pressure—just a chat.🌱 Want to start investing but feel overwhelmed? Download my free guide Start Investing Without Freaking Out here: onestepwealthier.carrd.co

In this episode, I take you all the way back to where my investing journey began. Spoiler: it wasn’t glamorous — it involved peer-to-peer lending platforms, random gold purchases, and a lot of confusion. I didn’t grow up around people who invested, and everything I know now was self-taught, often through trial and error.I talk about:How I started with gold, silver, and even platinumThe early mistakes that taught me the most (hello, P2P lending...)Why I avoided the stock market at first — and what changedIf you're new to investing or still feeling unsure, this one’s especially for you. It’s not too late, you’re not behind, and you don’t need a six-figure salary to start building wealth. Just take one step.📩 Want to chat about your money journey? I’m opening up a few free money coaching spots. DM me on Instagram @onestepwealthier or email [email protected]. No pressure—just a chat.🌱 Want to start investing but feel overwhelmed? Download my free guide Start Investing Without Freaking Out here: onestepwealthier.carrd.co

In this episode, I reflect on what it feels like when everyone around you seems to be checking off life milestones—weddings, babies, "proper" jobs—and you're walking a completely different path. My best friend is getting married soon, and it brought up a lot.I talk about choosing freedom over expectations, solitude over convention, and how fulfillment can look very different from the traditional script. If you've ever felt behind, out of sync, or like you're blooming somewhere else, this one's for you.Topics I Cover:Choosing freedom, not following a timelineRedefining what success means to youWalking away from a traditional career path (and not regretting it)The conversations that sting—but why they don’t define youListen in if you're:Feeling like you’re “late” in lifeChoosing an unconventional pathCraving a reminder that your version of life is validAnd remember: Maybe you're not a late bloomer. Maybe you're just blooming in a quieter field.📩 Want to chat about your money journey? I’m opening up a few free money coaching spots. DM me on Instagram @onestepwealthier or email [email protected]. No pressure—just a chat.🌱 Want to start investing but feel overwhelmed? Download my free guide Start Investing Without Freaking Out here: onestepwealthier.carrd.co

In this episode, I talk about something I find incredibly exciting—earning money while I sleep. Recently, I went on a two-week trip and realized that my investments quietly covered the whole thing. Food, hostels, beer, everything. That’s when it hit me: I could technically live off my “sleep money.”I’ll walk you through what that means, why it’s not magic, and how building passive income—even slowly—can shift how you feel about freedom, work, and life itself.This isn’t a brag. It’s an invitation.Let’s talk about freedom, frugality, and building wealth one step at a time.📩 Want to chat about your money journey? I’m opening up a few free money coaching spots. DM me on Instagram @onestepwealthier or email [email protected]. No pressure—just a chat.🌱 Want to start investing but feel overwhelmed? Download my free guide Start Investing Without Freaking Out here: onestepwealthier.carrd.co

Last week, I talked about lifestyle inflation — the sneaky way our spending rises with our income. This week, I’m flipping that idea on its head with something I call lifestyle deflation.In this episode, I share how simplifying my life, working a low-pressure job, and hiking solo through the muddy wilds of Scotland taught me to appreciate real freedom and wealth. From wet tents to canned beans in a bothy, I learned that needing less isn’t a downgrade — it’s an upgrade in disguise.If you’ve ever felt stuck chasing “more,” this one’s for you.📩 Want to chat about your money journey? I’m opening up a few free money coaching spots. DM me on Instagram @onestepwealthier or email [email protected]. No pressure—just a chat.🌱 Want to start investing but feel overwhelmed? Download my free guide Start Investing Without Freaking Out here: onestepwealthier.carrd.co

Have you ever caught yourself spending way more than you used to on basic items—like underwear—and wondered, "How did I get here?" In this episode, I dive into my personal experience with lifestyle inflation, sharing how easy it is to let spending creep upwards as your income grows.Tune in to discover:Simple strategies to recognize and control lifestyle inflation in your own lifeReal-life examples that will make you laugh—and maybe cringe a little!Whether you're new to managing your finances or have noticed your expenses steadily climbing, this episode is packed with relatable stories and practical advice to help you stay grounded financially.If you enjoy the episode, please subscribe, leave a rating, and share your thoughts in a review!📩 Want to chat about your money journey? I’m opening up a few free money coaching spots. DM me on Instagram @onestepwealthier or email [email protected]. No pressure—just a chat.🌱 Want to start investing but feel overwhelmed? Download my free guide Start Investing Without Freaking Out here: onestepwealthier.carrd.co

In this episode, I share an honest observation that started in an airport queue—with a woman holding a printed chart of gold prices. From airport lounges to village bars, it seems like everyone suddenly has an opinion on gold.Why does this happen? And what does it really mean when an asset like gold becomes the center of casual conversation?I explore what it might signal when an investment is on everyone’s lips, the psychology behind herd behavior, and how it contrasts with my own quiet strategy of buying undervalued stocks.This isn’t financial advice—it’s just one long walk through the noise, and what I’ve been learning as I listen to it all.📩 Want to chat about your money journey? I’m opening up a few free money coaching spots. DM me on Instagram @onestepwealthier or email [email protected]. No pressure—just a chat.🌱 Want to start investing but feel overwhelmed? Download my free guide Start Investing Without Freaking Out here: onestepwealthier.carrd.co

In this episode, I share a very honest update about why I’ve decided not to pursue a traditional financial advisor role—for now. From studying for my diploma while working full-time, to realizing some roles don’t align with my values or lifestyle, it’s been a ride. I talk about the pressures, the pivot, and what’s next.If you've ever doubted your path, or felt like the “right” career wasn’t quite right for you, this one’s for you.📩 Want to chat about your money journey? I’m opening up a few free money coaching spots. DM me on Instagram @onestepwealthier or email [email protected]. No pressure—just a chat.🌱 Want to start investing but feel overwhelmed? Download my free guide Start Investing Without Freaking Out here: onestepwealthier.carrd.co

In this week’s One Step Wealthier podcast episode, we explore how overcoming obstacles makes us stronger. Join me and over 35 million users who love Revolut. Sign up with my link below: https://revolut.com/referral/?referral-code=kristi22a5!FEB2-24-ARI use Wise to send money abroad. Really easy and a lot cheaper than the bank! Give it a try with a fee-free transfer of up to 500 GBP.https://wise.com/invite/ihpn/kristinai2Monzo offers an excellent rate of return on your savings. Join Monzo now and claim your £5! https://join.monzo.com/c/kfv4pfmThank you so much for your support and for listening to this podcast. It means the world to me. Please leave a rating if you are enjoying it and do not forget to share this content with someone who is or should be interested in personal development and finance. I am looking forward to hearing from you. Enjoy the episode! DISCLAIMER: The One Step Wealthier podcast is for educational purposes only and provides general information. This resource may have opinions that should not be considered as recommendations or personal advice. Everyone´s financial situation is different and you must use the information within this resource at your own risk. Please complete your due diligence before making any decisions based on the information in this resource.

In this week’s One Step Wealthier podcast episode, we explore how important it is to start your day early for your personal success.Join me and over 35 million users who love Revolut. Sign up with my link below: https://revolut.com/referral/?referral-code=kristi22a5!FEB2-24-ARI use Wise to send money abroad. Really easy and a lot cheaper than the bank! Give it a try with a fee-free transfer of up to 500 GBP.https://wise.com/invite/ihpn/kristinai2Monzo offers an excellent rate of return on your savings. Join Monzo now and claim your £5! https://join.monzo.com/c/kfv4pfmThank you so much for your support and for listening to this podcast. It means the world to me. Please leave a rating if you are enjoying it and do not forget to share this content with someone who is or should be interested in personal development and finance. I am looking forward to hearing from you. Enjoy the episode! DISCLAIMER: The One Step Wealthier podcast is for educational purposes only and provides general information. This resource may have opinions that should not be considered as recommendations or personal advice. Everyone´s financial situation is different and you must use the information within this resource at your own risk. Please complete your due diligence before making any decisions based on the information in this resource.

Empower Yourself: Stop Playing the Victim and Take ControIn this episode of the One Step Wealthier podcast, we delve into the importance of empowering yourself by taking control of your life and stopping the cycle of playing the victim. We discuss practical strategies and mindset shifts to help you become the master of your own destiny and create the life and financial success you desire. Join us as we explore ways to cultivate personal responsibility and resilience to reach your full potential.Join me and over 35 million users who love Revolut. Sign up with my link below: https://revolut.com/referral/?referral-code=kristi22a5!FEB2-24-ARI use Wise to send money abroad. Really easy and a lot cheaper than the bank! Give it a try with a fee-free transfer of up to 500 GBP.https://wise.com/invite/ihpn/kristinai2Monzo offers an excellent rate of return on your savings. Join Monzo now and claim your £5! https://join.monzo.com/c/kfv4pfmThank you so much for your support and for listening to this podcast. It means the world to me. Please leave a rating if you are enjoying it and do not forget to share this content with someone who is or should be interested in personal development and finance. I am looking forward to hearing from you. Enjoy the episode! DISCLAIMER: The One Step Wealthier podcast is for educational purposes only and provides general information. This resource may have opinions that should not be considered as recommendations or personal advice. Everyone´s financial situation is different and you must use the information within this resource at your own risk. Please complete your due diligence before making any decisions based on the information in this resource.

In this week’s episode of the One Step Wealthier podcast, we explore why investing in yourself should be your number one priority. From improving your skills and knowledge to nurturing your physical and mental well-being, we discuss the many benefits of prioritizing self-investment in both personal development and financial success. Tune in to learn how investing in yourself can lead to a happier, more fulfilled life.Join me and over 35 million users who love Revolut. Sign up with my link below: https://revolut.com/referral/?referral-code=kristi22a5!FEB2-24-ARI use Wise to send money abroad. Really easy and a lot cheaper than the bank! Give it a try with a fee-free transfer of up to 500 GBP.https://wise.com/invite/ihpn/kristinai2Monzo offers an excellent rate of return on your savings. Join Monzo now and claim your £5! https://join.monzo.com/c/kfv4pfmThank you so much for your support and for listening to this podcast. It means the world to me. Please leave a rating if you are enjoying it and do not forget to share this content with someone who is or should be interested in personal development and finance. I am looking forward to hearing from you. Enjoy the episode! DISCLAIMER: The One Step Wealthier podcast is for educational purposes only and provides general information. This resource may have opinions that should not be considered as recommendations or personal advice. Everyone´s financial situation is different and you must use the information within this resource at your own risk. Please complete your due diligence before making any decisions based on the information in this resource.

In this week’s episode, we explore the five essential skills that will make you irreplaceable by artificial intelligence. As technology advances, it's more important than ever to develop skills that set you apart from machines. From critical thinking and creativity to emotional intelligence and adaptability, we dive into how these skills can help you thrive in an increasingly automated world. Tune in to learn how you can future-proof your career and become indispensable in the age of AI.Join me and over 35 million users who love Revolut. Sign up with my link below: https://revolut.com/referral/?referral-code=kristi22a5!FEB2-24-ARI use Wise to send money abroad. Really easy and a lot cheaper than the bank! Give it a try with a fee-free transfer of up to 500 GBP.https://wise.com/invite/ihpn/kristinai2Monzo offers an excellent rate of return on your savings. Join Monzo now and claim your £5! https://join.monzo.com/c/kfv4pfmThank you so much for your support and for listening to this podcast. It means the world to me. Please leave a rating if you are enjoying it and do not forget to share this content with someone who is or should be interested in personal development and finance. I am looking forward to hearing from you. Enjoy the episode! DISCLAIMER: The One Step Wealthier podcast is for educational purposes only and provides general information. This resource may have opinions that should not be considered as recommendations or personal advice. Everyone´s financial situation is different and you must use the information within this resource at your own risk. Please complete your due diligence before making any decisions based on the information in this resource.

In this week’s episode, I discuss why I decided to stop following the news and why you should consider doing the same. With so much negative and sensationalized information bombarding us daily, I explore the impact that constantly consuming the news can have on our mental health and overall well-being. Tune in to learn how taking a break from the news can lead to a more peaceful and fulfilling life. Join me on this journey towards greater personal development and financial success by focusing on what truly matters.Join me and over 35 million users who love Revolut. Sign up with my link below: https://revolut.com/referral/?referral-code=kristi22a5!FEB2-24-ARI use Wise to send money abroad. Really easy and a lot cheaper than the bank! Give it a try with a fee-free transfer of up to 500 GBP.https://wise.com/invite/ihpn/kristinai2Monzo offers an excellent rate of return on your savings. Join Monzo now and claim your £5! https://join.monzo.com/c/kfv4pfmThank you so much for your support and for listening to this podcast. It means the world to me. Please leave a rating if you are enjoying it and do not forget to share this content with someone who is or should be interested in personal development and finance. I am looking forward to hearing from you. Enjoy the episode! DISCLAIMER: The One Step Wealthier podcast is for educational purposes only and provides general information. This resource may have opinions that should not be considered as recommendations or personal advice. Everyone´s financial situation is different and you must use the information within this resource at your own risk. Please complete your due diligence before making any decisions based on the information in this resource.

In this week’s episode, I delve into the world of passive income and answer the burning question: how much money do you make while you sleep? Join me as I explore different ways to generate passive income and learn how you can start building wealth even when you're catching some Z's. Tune in for tips and tricks to help you achieve financial freedom and live the life of your dreams.Join me and over 35 million users who love Revolut. Sign up with my link below: https://revolut.com/referral/?referral-code=kristi22a5!FEB2-24-ARI use Wise to send money abroad. Really easy and a lot cheaper than the bank! Give it a try with a fee-free transfer of up to 500 GBP.https://wise.com/invite/ihpn/kristinai2Monzo offers an excellent rate of return on your savings. Join Monzo now and claim your £5! https://join.monzo.com/c/kfv4pfmThank you so much for your support and for listening to this podcast. It means the world to me. Please leave a rating if you are enjoying it and do not forget to share this content with someone who is or should be interested in personal development and finance. I am looking forward to hearing from you. Enjoy the episode! DISCLAIMER: The One Step Wealthier podcast is for educational purposes only and provides general information. This resource may have opinions that should not be considered as recommendations or personal advice. Everyone´s financial situation is different and you must use the information within this resource at your own risk. Please complete your due diligence before making any decisions based on the information in this resource.

In this week’s episode, I discuss the age-old question: is buying a property an investment? We delve into the pros and cons of buying a property as a means of building wealth. Whether you're a first-time buyer or a seasoned investor, this episode will provide valuable insights to help you make informed decisions about your property investments. Tune in to learn how to take the next step towards financial freedom.Join me and over 35 million users who love Revolut. Sign up with my link below: https://revolut.com/referral/?referral-code=kristi22a5!FEB2-24-ARI use Wise to send money abroad. Really easy and a lot cheaper than the bank! Give it a try with a fee-free transfer of up to 500 GBP.https://wise.com/invite/ihpn/kristinai2Monzo offers an excellent rate of return on your savings. Join Monzo now and claim your £5! https://join.monzo.com/c/kfv4pfmThank you so much for your support and for listening to this podcast. It means the world to me. Please leave a rating if you are enjoying it and do not forget to share this content with someone who is or should be interested in personal development and finance. I am looking forward to hearing from you. Enjoy the episode! DISCLAIMER: The One Step Wealthier podcast is for educational purposes only and provides general information. This resource may have opinions that should not be considered as recommendations or personal advice. Everyone´s financial situation is different and you must use the information within this resource at your own risk. Please complete your due diligence before making any decisions based on the information in this resource.