Expand Your Empire

Amanda Taylor

Welcome to the Expand Your Empire Podcast, the go-to show for high-achieving women entrepreneurs, CEOs, and investors who are ready to build real wealth and lasting freedom. Hosted by Amanda Taylor, Business and Wealth Strategist, Investor, and Founder of The Inner Circle, this podcast blends financial strategy, feminine leadership, and wealth creation to help you grow your income, elevate your investments, and scale your business with confidence. Tune in to Expand Your Empire at https://expandyourempire.org.

  1. 4d ago

    What Is Your Pool of Capital Actually For? (Money Rule #4)

    Expand Your Empire is a finalist in six categories at the 2026 Stevie Awards for Women in Business, including Thought Leadership in Consumer Services, and winners are announced in November. If this show has changed how you think about the financial rules you inherited, a rating or review wherever you listen helps more women find it. Most accomplished women have been responsible with money for twenty years. Over that time they've rolled over old retirement accounts, bought rental property, held cash because it felt safe, and put money into a private deal because they trusted the person running it. Every one of those decisions was defensible when she made it. What almost nobody has done is stand above the whole picture and ask what the entire pool of capital is supposed to accomplish. In this final installment of the Money Rules We Need to Unlearn series, I take on "diversify." Diversification is necessary, and nothing in this episode argues against it, but it was never sufficient on its own. Diversification answers how much of your outcome depends on any one thing, while a mandate answers why your money is there in the first place. Without a mandate, a well diversified portfolio can grow for years without ever answering to a plan. I close with an update on what comes next, including why I'm pausing the weekly show after this episode and the work I'm giving that time to instead. In this episode: The second question I ask about every deal someone pitches meWhy diversification and a mandate answer two different questionsThe difference between owning a portfolio and directing oneHow a mandate assigns your capital its jobs: growth, income, liquidity you can reach within a week, and hedges against specific risksWhy cash earning close to nothing, or a fund with unremarkable returns, can be exactly right for the wholeHow a mandate connects to last episode's distinction between loss and ruinWhy a dollar in a traditional IRA, a Roth, and a cash value life insurance policy are not the same dollarWhat financial authorship means, and why holding the pen doesn't require becoming your own accountantAn update on the weekly pause and what I'm working on next Timestamps: 0:02 Stevie Awards finalist news and the premise of the show 1:21 The question every pitch deck answers, and the one it doesn't 3:19 Rule Four: diversification vs. a mandate 5:32 The woman with twenty years of defensible decisions 6:47 Owning a portfolio vs. directing one 8:27 What a capital mandate is: growth, income, liquidity, and hedges 11:09 Diversification without a mandate 12:12 Tax treatment and which bucket you draw from first 13:10 Financial authorship: what you want your capital to make possible 18:39 An update: pausing the weekly show 20:28 An invitation to a discovery call This week's exercise: Write down what your capital needs to do for your life and what you'd like it to make possible beyond that. Then look at what you already own and ask what job each position is doing relative to the whole. Book a discovery call: https://elevateprofit.biz/home

    What Is Your Pool of Capital Actually For? (Money Rule #4)
  2. Sep 23

    Money Rule #3: You Were Never Risk-Averse. You Were Risk-Aware.

    Expand Your Empire is a finalist in the 2026 Stevie Awards for Women in Business across six categories, including Mentor or Coach of the Year in Finance and Thought Leadership in Consumer Services. Ratings help get the show in front of new listeners and judges, so if this show has changed how you think about your capital, please leave a five-star rating wherever you listen: https://podcasts.apple.com/us/podcast/expand-your-empire/id1832988071 A few years ago, I took out two HELOCs and lent that money out to house flippers. Borrowing money so I could lend money sounds reckless to anyone outside real estate. In this episode, I break down how it was not reckless; it was risk-aware. This episode is rule three in my informal series. Rule one was that budgeting is how you build wealth: https://youtu.be/CwHELq2KrdY?si=8Bh50NxJ5qQkJMnU Rule two was that debt is bad, full stop: https://youtu.be/GMnI_XNO5sA?si=2XocsaGDOQ9--Av1 Rule three was never risk what you can't afford to lose. Every one of those had something true sitting underneath it, which is exactly why they were so easy to inherit without ever questioning them. This one does too. I walk through why that shutdown response isn't cowardice. It is math left over from a time when women had no independent access to capital. I break down the difference between ruin and loss, and between risk tolerance and risk capacity. I tell you exactly what happened the one time my own risk-aware deal structure went sideways when a bank caught a subject-to deal and forced a refinance, and why I still use that exact structure today. In this episode: - The HELOC arbitrage story and why the spread was mine to keep - Why women are risk-aware, not risk-averse, and what happened to awareness with nowhere to go - The Equal Credit Opportunity Act of 1974 and why it changed the math - What awareness with real tools behind it actually looks like - The subject-to deal where the bank caught it and I lost my low rate, not the property - Ruin vs. loss: why "never risk what you can't afford to lose" gives useless advice about ordinary loss - Risk tolerance vs. risk capacity, and why a woman with $2 million in liquid assets can still lose sleep over a $10,000 rounding error - The three questions to ask about the opportunity you have been sitting on Timestamps: 0:00 – 2026 Stevie Awards finalist announcement 0:55 – The HELOC arbitrage story 2:39 – Risk aversion vs. risk awareness, defined 3:12 – Rule three in the money rules series 4:40 – Why the shutdown isn't cowardice, it's math (Equal Credit Opportunity Act of 1974) 6:03 – What awareness with real tools behind it looks like 8:05 – The subject-to deal that went sideways 9:14 – Where awareness slides back into aversion (over-research) 10:11 – Ruin vs. loss 11:30 – Risk tolerance vs. risk capacity 13:53 – This week's exercise: three questions 15:18 – Outro + ratings ask This week's exercise: Name the opportunity you have been circling. Ask out loud or on paper: What am I actually exposed to? What would have to be true for this to fail? And if it failed, could I recover? Notice which question you have never let yourself finish answering. Related episode: Last week's conversation with Cate Wilkes on the 60% vs. 100% qualified pattern sits right underneath this one: https://youtu.be/XdM9VpDqCck?si=f6pKUpTzeDTf1jem

    Money Rule #3: You Were Never Risk-Averse. You Were Risk-Aware.
  3. Sep 16

    The Woman Who Inherits the Structure: Cate Wilkes on the Human Architecture of Generational Wealth

    In this episode, Amanda Taylor sits down with Cate Wilkes, Founder and CEO of 638 Capital, a former Fortune 50 executive and Big Four advisor. Families spend years and serious money building the structures that hold private wealth, the governance, the succession plans, the tax strategy and the capital allocation strategy, and they spend almost nothing preparing the human who eventually has to make decisions inside all of it. A lot of the time that person is a woman who was never in the room while any of it was being built. Cate calls the missing piece the human architecture of generational wealth. In this conversation she explains why the distance between having the information and deciding from authority has more to do with identity than with information, what she listens for when a woman describes her own business, and why she believes most people never close that gap alone. Connect with Cate Wilkes LinkedIn: https://www.linkedin.com/in/catewilkes/ Chapters 0:00 The missing piece in wealth governance1:13 Meet Cate Wilkes2:39 From corporate finance to human consciousness6:57 What is human architecture?8:31 Building the internal operating system12:09 Why there is no status quo17:26 Results are a lagging indicator18:01 The truth about coaching and structured support22:47 Feminine energy and authority in private capital28:06 The paradox of surrender30:24 Living in the dirt36:48 The seven day thought log39:26 How to work with Cate Wilkes42:04 Why you can't see your own blind spot The exercise from this episode For seven days straight, during your waking hours, set a phone alarm for the top of every hour. When it goes off, ask yourself one question: what am I thinking right now? Write it down in a notebook. At the end of the week, read back through the entries. The patterns are the point, and most people are surprised by what has been running quietly underneath their decisions.

    The Woman Who Inherits the Structure: Cate Wilkes on the Human Architecture of Generational Wealth
  4. Sep 9

    Money Rule #2: "What Does Your Debt Say About You?"

    In money rule number one, I talked about why you can't budget your way to wealth. Today I'm confronting the next rule most of us inherited: debt is bad. I used to believe it too. I climbed out of credit card debt early in my life, and once I was out, I wore "no car payment" like a trophy. Responsible people eliminate debt. Successful people don't need it. That was the story I told myself. I'll give Dave Ramsey credit here (only for this). His principles helped me get out of the hole I was in. But once I moved into real estate investing, I saw a completely different version of debt. Investors weren't asking whether owing money made them irresponsible. They were asking what the money cost, what it could produce, and how it would get repaid. In this episode I break down why "debt is bad" is incomplete, not wrong, what OPM, leverage, and spread actually mean, a real story about a friend planning to pay $3 million cash for a house, the three categories of debt, and why debt is information, not identity. Timestamps [0:00] Opening: the "no car payment" trophy belief [0:56] Money Rule #2: debt is bad [1:39] Confession: credit card debt and giving Dave Ramsey credit [2:21] Financial triage vs. capital allocation [2:52] The vocabulary of shame vs. financial measurement [3:41] What real estate investing taught me about debt [4:56] OPM, leverage, and spread, defined without the emotion [5:38] The friend paying $3 million cash for a house [7:17] The three categories of debt [8:27] Debt is information, not identity [9:32] This week's exercise: "This debt means I am ___" [10:38] What we're building at Expand Your Empire Exercise from this episode: Pick a debt you're carrying right now. Write down the story you've attached to it ("This debt means I am ___"). Then underneath, write the facts: balance, rate, payment, purpose, where repayment is actually coming from, and what the real risk is if it doesn't go to plan. The first statement shows you the conditioning. The second gives you something to decide from. Grab the full blueprint linked in the show notes to run this exercise across everything you own and owe: http://metropolisfinancialstrategies....

    Money Rule #2:  "What Does Your Debt Say About You?"
  5. Sep 2

    How Dolly Parton Said 'No' to Elvis Presley and Made Millions

    I have three coffee mugs on my shelf with three women I adore. Hannah Waddingham as Rebecca Welton, Catherine O'Hara as Moira Rose, and Dolly Parton. Catherine died in January. Dolly died a week ago. Losing two of those three women in the same year hit me harder than I expected. But when I started thinking about what I wanted to say about Dolly, I didn't want to talk about the thing that everybody else is talking about. I wanted to talk about what nobody is putting in the headline. Dolly Parton was one of the greatest businesswomen who ever lived. And she used the fact that people underestimated her as a cover to build it. Timestamps [0:00] Opening: Three mugs, two losses, and what nobody's putting in the headline [1:07] Why this episode exists: the wealth story underneath the tributes [1:43] 1966: A 20-year-old Dolly starts her own publishing company before she's famous [3:14] The real wealth lesson: she structured for ownership before she had any leverage [4:52] She didn't know which song would become Jolene. She just knew she wanted to own what she created. [5:40] 1974: Elvis wants I Will Always Love You. Colonel Tom Parker wants half the publishing rights. [6:39] Why she said no and what that decision actually was [7:20] The version of the Elvis offer you've probably already received [9:05] Dollywood: how music income became equity in an operating company [10:52] The actual wealth gap: not how much you make but what you convert it into [11:23] After Whitney: the royalty becomes property in a historically Black Nashville neighborhood [13:18] Philanthropy model one: capital as incentive. The buddy program and the dropout rate. [14:03] Philanthropy model two: capital as infrastructure. The Imagination Library. [15:23] Philanthropy model three: capital as intervention. The wildfires, the My People Fund, and the COVID vaccine. [16:06] What it means when your wealth is big enough that some of it doesn't need a return calculation [17:15] The full progression: earn, own, convert, compound, deploy [19:09] The question to sit with this week: would you recognize the Elvis offer if it showed up? [20:14] What we're building at Expand Your Empire

    How Dolly Parton Said 'No' to Elvis Presley and Made Millions
  6. Aug 26

    You Cannot Coupon Your Way Into Financial Independence.

    I would never say I was really ever irresponsible with money. Once I got out of the college debt phase and became an adult, I could balance a checkbook, I paid my bills on time, nobody would have looked at my life and said there's a woman who doesn't have it together. But here is the other part of that conversation. There were financial things happening in my own house where I basically thought, he understands this better than I do, he will make the right decision. And that was enough for me to completely opt out on purpose. Nobody actually told me I couldn't be part of the conversation. I just told myself, what do I even have to offer here? It wasn't about what I knew. I was plenty capable. It was about whether I believed I had any standing to be in the room at all. And that's when I started realizing how badly we have defined being good with money for women. We taught women how to manage money. We didn't teach them they were allowed to ask what it was for. This is the start of a new series: the financial advice that women need to unlearn. Not because budgeting or saving or paying off debt is bad advice. It's just half the advice. We've been taught the defense really well. What we haven't been taught is the offense. In this episode: Why being great at managing money and actually having a wealth strategy are two completely different thingsThe woman making $200K with $80K sitting in cash who by every definition we've been handed is great with money, and the one question that reveals the gapWhy finding the $500 isn't the wealth strategy, finding it just gives you capital, and what you do with the capital is the strategyThe difference between the money conversation and the wealth conversation, and why the language changes completelyHow leverage actually works when used correctly and why it's neither magic nor a trapThe five questions to ask yourself right now: what am I earning, what am I keeping, where am I deploying it, what am I owning, and what does what I own actually produceWhy cash has a job but confusing your emergency fund with your long-term capital has a cost you'll never see on a statementWhat changed for Amanda wasn't becoming a financial expert, it was stopping believing that expertise was the price of admission Click the link to access the free five-question worksheet: Wealth Gap Diagnostic It walks you through earn, keep, deploy, own, and produce for your own numbers.

    You Cannot Coupon Your Way Into Financial Independence.
  7. Aug 19

    You're Not Behind on Retirement. You've Just Never Seen the Whole Menu.

    You're being asked to win two bets nobody can control the odds on. That's not a discipline problem, and no amount of budgeting harder is going to touch it. Here's the whole menu of what you can actually do, including the parts nobody earns a commission telling you about. Most retirement advice hands you one option and calls it a plan. Usually the one the person across the table gets paid on. This episode lays out all six, in plain language, with a way to compare them against each other in your head. It also puts the real numbers on the table for women our age. Not the headline number you've been quietly measuring yourself against and losing to. The honest one. There's a decent chance you're in better shape than you've been told. Chapters (00:00) Why my parents' retirement worked, and why you can't copy it(03:52) The two things nobody can know in advance(07:22) The market risk that actually matters — and it isn't the one you think(09:00) The number you've been measuring yourself against is the wrong number(12:04) One piece of math that makes every option comparable(14:11) Menu item one: what waiting on Social Security is really worth(16:00) Menu item two: a reserve that doesn't sit there doing nothing(17:52) Menu item three: bond ladders, explained without the vocabulary(18:30) Menu item four: leaving in stages, and why that's not "just work longer"(19:26) Menu item five: the long-term care problem that lands hardest on women(20:11) Menu item six: guaranteed income, and the four things that actually matter(21:15) How your advisor gets paid, and which options never come up(23:11) Why freezing feels safer than choosing wrong(26:07) The one thing to go do this month Do this after you listen: pull up your Social Security statement and find out what waiting is worth in dollars. It takes ten minutes and it's free. That's the whole assignment. When you want the full picture: I run a wealth strategy call where you walk out knowing three things — what income your current assets are positioned to produce, where the gap is between that and the life you're planning on, and which levers could close it. Not a slide deck. Not a product pitch. Book here: The Wealth Strategy Intensive | Expand Your Empire Want more from Amanda, subscribe to on the GenXHer Money Substack: https://genxhermoney.substack.com/ Nothing here is advice about your specific situation. Guarantees on insurance products come from the company that issues them, not the government.

    You're Not Behind on Retirement. You've Just Never Seen the Whole Menu.
  8. Aug 12

    You’re Missing Opportunities You Don’t Even Know Exist

    I remember the first time I heard the idea of buying an existing business instead of starting one from scratch. It came from Codie Sanchez, who's built her whole platform around exactly that, buying boring, unsexy businesses instead of starting new ones. What got me wasn't the idea itself. It was that I had never even considered it as an option. I understood numbers. I understood operations. I understood what made a place run or fall apart. And somehow in my head, businesses were things people started or inherited. Buying one belonged in a completely different category, one I didn't even know I had until I noticed I did. I had this same realization all over again a couple weeks ago, talking with my friend Christine Slocumb about the twenty-plus years she spent building her marketing agency before she sold it. In this episode: Why you're not missing opportunities because there aren't enough of them, you're missing entire categories of themHow proximity trains pattern recognition, and why that goes so much deeper than motivation or inspirationThe identity filter that quietly rules out categories before they even get to yes or no in your brainWhy your comfort level was never measuring the opportunity, it was measuring your exposure to itWhy the menu you think you're choosing from is only a fraction of what actually existsThree ways to be part of an opportunity that don't all require capital: own it, help finance it, or connect itThe Opportunity List to start building this weekGo build the list. And when someone tells you they're retiring, when someone tells you they're selling, when someone says their landlord wants out, wait. And think.

    You’re Missing Opportunities You Don’t Even Know Exist
5
out of 5
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About

Welcome to the Expand Your Empire Podcast, the go-to show for high-achieving women entrepreneurs, CEOs, and investors who are ready to build real wealth and lasting freedom. Hosted by Amanda Taylor, Business and Wealth Strategist, Investor, and Founder of The Inner Circle, this podcast blends financial strategy, feminine leadership, and wealth creation to help you grow your income, elevate your investments, and scale your business with confidence. Tune in to Expand Your Empire at https://expandyourempire.org.