Women & Money Cafe Julie Flynn
-
- Society & Culture
-
The Women and Money Cafe is a space where women can come to listen and learn about all things money in a friendly, informal, no-jargon environment. Hosted by practising independent financial adviser and financial coach Julie Flynn. Each episode in the Women and Money Cafe we bring together members of our expert panel of female financial advisers, coaches, investment managers, guest experts and women from all walks of life to share, support and make space for Women to feel empowered with money. We make finance accessible and fun whilst expertly de-mystifying money and sharing our wealth of expert knowledge.Come join us on the sofa, in the Women & Money Cafe
-
123. Single & Secure with Tamsin Caine
In this episode , the hosts, including returning founder member Tamsin Caine, explore the challenges and opportunities of managing finances as a single woman, particularly after a divorce or widowhood. They discuss the emotional and practical aspects of taking full control of finances, from setting up emergency funds to investing for the future. With a focus on empowerment, the episode covers the importance of building a support system, and the benefits of financial planning for single individuals and the importance of having a 'money wife' for support and accountability.
GUEST EXPERT: TAMSIN CAINE is a Chartered Financial Planner and Resolution Accredited Divorce Finance Specialist (one of only 35 in the country). She hosts the Smart Divorce podcast, has cowritten a book Your Divorce Handbook It’s What You Do Next That Counts and has appeared in the national press commenting on financial issues in divorce. She is a single mum to Charlie and Zoe and is a huge rugby fan, currently managing the men’s team Sale FC Vikings.
Follow Tamsin on Instagram | Facebook and check out her podcast
00:48 Navigating Finances Solo: Insights from a Divorce Expert
02:10 The Emotional and Practical Challenges of Managing Money Alone
07:17 Gaining Confidence and Knowledge in Financial Independence
10:47 The Divorce Process: A Path to Financial Literacy
23:18 Financial Resilience and Protection for Single Women
26:06 The Value of Income Protection
28:21 Building Financial Resilience: Emergency Funds
36:00 The Importance of a Financial Support System
38:18 Navigating Financial Planning as a Single Parent
95 - Income Protection
28 - Emergency Funds
YOUR HOST
Julie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.
Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Ebb & Flow Financial Coaching | Bree Wealth & Tax | Instagram
CO-HOSTS
Emily Pool is a Financial Planner and Will Writer. She is passionate about empowering people to invest their wealth (pensions and savings) sustainably and in line with their personal values.
Michelle Lambell started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach.
Support the show✅ And if you enjoyed the show, please leave us a review.
We genuinely love hearing your questions and feedback.
So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions. -
122. Atomic Money Habits 2
After the success of episode 70 (Atomic Habits for Money) we thought we should revisit actionable strategies for managing and reducing spending, highlighting the power of small changes in achieving big financial goals. Here are some key takeaways from the episode:
- Reviewing Amazon orders and subscriptions to cut unnecessary expenses
- Cancelling unused subscriptions and keeping track of family shared expenses
- Celebrating financial wins by allocating a small amount for treats or charitable donations
- Breaking big financial goals into small, achievable habits
- Creating a money calendar to keep track of financial commitments and important dates
- Using cashback sites and comparison websites like QuickCo to save costs
- Monitoring automated saving pots and using apps for various saving purposes
- Using Credit Karma to check credit score and receive notifications for any changes
- Changing environment to prevent impulsive spending
- Incorporating color and creativity into daily routine for better financial management
YOUR HOST
Julie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.
Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Ebb & Flow Financial Coaching | Bree Wealth & Tax | Instagram
CO-HOSTS
Emily Pool is a Financial Planner and Will Writer. She is passionate about empowering people to invest their wealth (pensions and savings) sustainably and in line with their personal values.
Michelle Lambell started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach.
Sara Walker is a financial planner and financial coach with 33 years’ experience in financial services. She wants all women to feel financially confident and uses her professional and life experiences to support and educate women over 40 so they in turn feel able to support and be role models for the younger women in their lives.
Jennifer O'Neil is a mortgage and protection specialist and director of Athena Mortgages. Having been in the industry since 2014 Jennifer decided to set up a company in 2020 that suited her core values as a broker – integrity, service, honesty and continuous improvement.
LinkedIn | Instagram | Facebook
Support the show✅ And if you enjoyed the show, please leave us a review.
We genuinely love hearing your questions and feedback.
So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions. -
121. Empowering Mindset with Katie Crooks
We have a super cool episode for you in this one with hypnotherapist Katie Crooks. She brings a wealth of insights on overcoming self-sabotage and imposter syndrome, empowering listeners to tap into their true potential.
Stay tuned to the end when Katie blows our mind with the significance of the word "try" and why Julie is determined to eliminate it from her vocabulary.
What Katie is reading: A New Earth - Eskhart Tolle and Secrets of a Millionaire Mindset - T Harv Eker
SPECIAL GUEST: KATIE CROOKS is a multi-talented singer, performer, and voice coach with over 20 years of experience. She has transitioned into hypnotherapy to help artists overcome the limitations and blockages in their vocal performances. Follow Katie on Instagram
YOUR HOST
Julie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.
Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Ebb & Flow Financial Coaching | Bree Wealth & Tax | Instagram
CO-HOSTS
Emily Pool is a Financial Planner and Will Writer. She is passionate about empowering people to invest their wealth (pensions and savings) sustainably and in line with their personal values.
Michelle Lambell started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach.
Sara Walker is a financial planner and financial coach with 33 years’ experience in financial services. She wants all women to feel financially confident and uses her professional and life experiences to support and educate women over 40 so they in turn feel able to support and be role models for the younger women in their lives.
Jennifer O'Neil is a mortgage and protection specialist and director of Athena Mortgages. Having been in the industry since 2014 Jennifer decided to set up a company in 2020 that suited her core values as a broker – integrity, service, honesty and continuous improvement.
LinkedIn | Instagram | Facebook
Support the show✅ And if you enjoyed the show, please leave us a review.
We genuinely love hearing your questions and feedback.
So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions. -
120. Women, Money & Power with Josie Cox
JOSIE COX asks why money is still so gendered! Why progress towards closing the gender pay gap has been so elusive over the past few decades. Why we’re still failing to have good, inclusive conversations about gender inequality. Josie is a journalist who has worked on staff for Reuters, the Wall Street journal, and The Independent and as a freelancer for the Guardian, The Washington Post, Fortune, Forbes, the BBC and a host of other outlets. She was a 2020/2021 Knight-Bagehot Fellow at Columbia Journalism School. She has an MBA from Columbia Business School and is also an associate instructor within the Strategic Communications program at Columbia’s School of Professional Studies. She lives in New York City.
Follow Josie: Instagram | LinkedIn | Substack | Twitter
00:44 Josie Cox's Background and Career Journey
02:53 The Gendered Nature of Money
05:34 The Impact of Motherhood on Career
06:48 The Inequality Problem in America
08:35 The Gender Pay Gap and Its Implications
11:48 The Importance of Communication and Empathy
19:45 The Role of Women in the Unpaid Labor Market
40:30 The Struggle for Female Economic Empowerment
YOUR HOST
Julie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.
Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Ebb & Flow Financial Coaching | Bree Wealth & Tax | Instagram
CO-HOSTS
Emily Pool is a Financial Planner and Will Writer. She is passionate about empowering people to invest their wealth (pensions and savings) sustainably and in line with their personal values.
Michelle Lambell started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach.
Sara Walker is a financial planner and financial coach with 33 years’ experience in financial services. She wants all women to feel financially confident and uses her professional and life experiences to support and educate women over 40 so they in turn feel able to support and be role models for the younger women in their lives.
Support the show✅ And if you enjoyed the show, please leave us a review.
We genuinely love hearing your questions and feedback.
So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions. -
119. Showdown: Mortgage Vs Pension
In this episode Julie, Michelle, and Emily engage in a spirited debate on the age-old question: Should you overpay your mortgage or put money into a pension? This showdown delves into the financial implications and personal preferences that go into making this crucial decision, leaving listeners with insightful perspectives to shape their own financial strategies.
- Decision-making considerations: Interest rates, investment returns, tax effects, and age
- Benefits of pension contributions: Tax relief, compounding growth, and access to funds
- Drawbacks of mortgage overpayment: Interest rates, lack of liquidity, and tax implications
- Split investment strategy: Allocating funds to both mortgage and pension for a balanced approach
- Lump sum decision: Factors influencing whether to invest in the mortgage or a pension
Resources:
Will overpaying my mortgage or pension make me richer? (ii.co.uk)
MSE overpayment calculator
YOUR HOST
Julie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.
Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Ebb & Flow Financial Coaching | Bree Wealth & Tax | Instagram
CO-HOSTS
Emily Pool is a Financial Planner and Will Writer. She is passionate about empowering people to invest their wealth (pensions and savings) sustainably and in line with their personal values.
Michelle Lambell started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach.
Sara Walker is a financial planner and financial coach with 33 years’ experience in financial services. She wants all women to feel financially confident and uses her professional and life experiences to support and educate women over 40 so they in turn feel able to support and be role models for the younger women in their lives.
Jennifer O'Neil is a mortgage and protection specialist and director of Athena Mortgages. Having been in the industry since 2014 Jennifer decided to set up a company in 2020 that suited her core values as a broker – integrity, service, honesty and continuous improvement.
LinkedIn | Instagram | Facebook
Support the show✅ And if you enjoyed the show, please leave us a review.
We genuinely love hearing your questions and feedback.
So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions. -
118. Should I overpay my mortgage?
We discuss the age-old dilemma of whether to overpay your mortgage or not.
- Debt management: Understanding the importance of addressing other debts before focusing on your mortgage.
- Establishing an emergency fund: The significance of having a financial cushion for unexpected expenses.
- Mortgage provider policies: Exploring the limitations and potential penalties for overpaying your mortgage.
- Calculating the interest rate differentials: Michelle walks through the math behind comparing mortgage interest rates and savings rates to determine the most effective use of your money.
- Setting up overpayments: Practical tips on setting up regular overpayments and the benefits of automation.
- Offset mortgages: Michelle explains the nuances of offset mortgages and the considerations when deciding on overpayments.
Resources:
- Debt Payoff Calculator
- Sprive app
- MSE website
YOUR HOST
Julie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.
Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Ebb & Flow Financial Coaching | Bree Wealth & Tax | Instagram
CO-HOSTS
Emily Pool is a Financial Planner and Will Writer. She is passionate about empowering people to invest their wealth (pensions and savings) sustainably and in line with their personal values.
Michelle Lambell started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach.
Sara Walker is a financial planner and financial coach with 33 years’ experience in financial services. She wants all women to feel financially confident and uses her professional and life experiences to support and educate women over 40 so they in turn feel able to support and be role models for the younger women in their lives.
Jennifer O'Neil is a mortgage and protection specialist and director of Athena Mortgages. Having been in the industry since 2014 Jennifer decided to set up a company in 2020 that suited her core values as a broker – integrity, service, honesty and continuous improvement.
LinkedIn | Instagram | Facebook
Support the show✅ And if you enjoyed the show, please leave us a review.
We genuinely love hearing your questions and feedback.
So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.
Customer Reviews
Entertaining and so helpful
This podcast is packed full of great advice about money mindset as well as practical guidance on financial management for all stages of life. It’s firmly on my regular listening list and I’m recommending it far and wide. I feel more able to make good decisions about business and personal money matters now - thanks ladies!
So inspiring.
Such helpful and down to Earth advice well delivered. Your topics are what I wish to learn about. Thank you.
Relevant, digestible sound bite info without the jargon
I’ve listened to all episodes of Women & Money cafe and find the jargon free info so accessible. I also really like the final “call to action” summary at the end of each session. Thank you Julie and Michelle you’re both brilliant.