If you've ever thought "I should have started investing years ago" — this episode is for you. We're back with qualified financial advisor and money coach Peta Kay (@yourfinancept), and this time we're going deep on investing: why so many millennial women avoid it, how to get started even if you're scared, and why the guilt of starting late is the exact thing keeping you stuck. In this episode we cover: • Why women are statistically less likely to invest than men — and the real cost of that gap • How to overcome the fear of losing money (and why your brain reacts so differently to spending vs. investing) • The golden rule: never invest what you can't afford to lose • Where to actually start: ISAs, investment funds, Vanguard, Freetrade, Trading 212 explained simply • Why you're probably already investing without knowing it (your pension!) • How to track down lost pensions from old jobs — and why it matters more than you think • The risks of IPOs, meme stocks, and social media "get rich" content • High risk vs. low risk: how to think about your investment approach • Rich Dad Poor Dad: is it worth reading? • Why Peta started investing with less than £50 — and what happened next Whether you're a total beginner or you've been meaning to start for years, this conversation will make investing feel possible — not terrifying. Find Peta K: 📲 Instagram & socials: @YourFinancePT 🌐 Website: www.pearlsandperils.com 💼 Investing 1:1 Sessions (UK-based): available via her website Watch Soraya's TEDx talk — link below — and please like, comment and share to support the channel. https://youtu.be/MkAfq6m8ECw?si=TemniHt6iJwpP6oh 💌 Stay Connected Subscribe for more real-life conversations that uplift, inform, and empower women 30+. Follow us on IG & TikTok: @FemalesThrivingOverthirty Business/guest inquiries: fto30podcast@gmail.com If this episode resonated, follow Females Thriving Over 30, leave a review, and share it with a friend who wants to become a millionaire. This video is for informational and entertainment purposes only. Nothing in this video constitutes financial advice. Always consult a qualified financial advisor before making investment decisions. investing for beginners, how to start investing, women and money, investing for women, millennial women investing, stocks and shares ISA, Vanguard investing, Freetrade app, Trading 212, investment funds explained, money mindset, financial freedom, fear of investing, investing UK, personal finance women, how to overcome fear of investing, workplace pension explained, lost pension UK, women personal finance podcast, females thriving over 30, peta k financial advisor, your finance PT, money coach UK, investing in your 30s, millennial money, how much do I need to invest, investing with small amounts, ISA explained, high risk investing, crypto investing beginners