So Invested

Maddy Guest & Sophie Dicker
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The weekly money conversation that’s been missing from your group chat. Smart, unfiltered chats about money, business, and building a life you’re invested in.

  1. 7H AGO

    Signs you’re experiencing lifestyle creep

    Ever noticed how quickly “special” becomes normal? The nice hotel. The upgraded flight. The boujee dinners. The “I deserve it.” In this episode, we’re talking about lifestyle creep - why it happens, why it feels justified, and how it quietly slows down your path to financial freedom. We explore: ✨The psychology behind lifestyle creep (hedonic adaptation + reference dependence) ✨How social media and new identity shifts influence spending ✨Financial and behavioural signs you might be creeping ✨How to upgrade intentionally (without upgrading everything) ✨Systems that reinforce your boundaries so you don’t rely on willpower If you’re interested in levelling up your financial game this year, this is the episode that makes sure your money goals don’t drift. Find us on ⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠ or ⁠⁠⁠⁠⁠TikTok⁠⁠⁠⁠⁠, and if you haven’t already, hit follow in your podcast app - it genuinely helps our small business grow. We hope you’re So Invested 🧡 This episode was brought to you by ⁠⁠⁠⁠Up⁠⁠⁠⁠, sign up today using our code SoInvested20 and get $20 in your account.

    38 min
  2. How to take calculated risk to grow your business

    5D AGO

    How to take calculated risk to grow your business

    In episode four of Backbone, we get into something every founder talks about but few assess properly: risk. Growth requires risk. But not all risks are created equal. Some move your business forward. Others quietly drain your time confidence. This week, we unpack how we think about risk in our own businesses what we’re actively betting on, what we won’t compromise on, and how we decide what’s worth it. So this week, we cover: The real risks we’re currently taking in business and whyOur non-negotiables before saying yes to a big decisionHow to assess upside vs downside in a practical wayHow to “price” the cost of failure (financially and emotionally)If you’ve been sitting on a decision and wondering whether to leap or not, this episode is for you. If you have any questions about risk, slide into our DMs. We want to keep this conversation going! Find us on the ⁠⁠⁠So Invested Instagram⁠⁠⁠ & Process Instagram and if you haven’t already, hit follow in your podcast app (it really helps our small businesses grow).

    46 min

  3. FEB 16

    Earn more without burning (out) more

    How do you grow your income without draining your energy? In this episode, we’re unpacking what it really looks like to earn more sustainably - whether you’re in a 9-5, building something on the side, or working for yourself. After reflecting on the past year (and watching friends + founders in our community navigate career decisions), we realised earning more isn’t about doing more. It’s about creating more value, building leverage, and protecting your energy. We talk about: ✨Why working harder doesn’t automatically mean earning more ✨The mindset shift from “effort” to “value” ✨How to think about bottlenecks in your time ✨Boundaries, batching work, and designing your schedule around your energy ✨Why thinking time (and yes, even naps) can be productivity strategies If you’re in a season of wanting more money, but not more burnout, this one’s for you. Find us on ⁠⁠⁠⁠Instagram⁠⁠⁠⁠ or ⁠⁠⁠⁠TikTok⁠⁠⁠⁠, and if you haven’t already, hit follow in your podcast app - it genuinely helps our small business grow. We hope you’re So Invested 🧡 This episode was brought to you by ⁠⁠⁠Up⁠⁠⁠, sign up today using our code SoInvested20 and get $20 in your account.

    41 min
  4. Cash is QUEEN: How to manage cash flow

    FEB 11

    Cash is QUEEN: How to manage cash flow

    In episode three of Backbone, we get into the numbers that actually keep your business alive: cash. Profit might look good on paper, but cash is what pays your bills, your team, and you. And yet, cash flow is one of the most misunderstood (and least confidently managed) parts of running a business. So this week, we cover: Why profit ≠ cash, and how profitable businesses still run out of moneyWhy cash flow is the most important metric to understand as a founderHow to think about managing cash flow day-to-day (not just at tax time)Practical measures to safeguard your cash flow as your business growsA simple walk-through of the key line items in a cash flow statement — and what they actually tell youIn need of a cash flow statement template: you can download our basic one here: Backbone Cash Flow Statement If you have any questions about cash slide into our DMs. We want to keep this conversation going! Find us on the ⁠⁠⁠So Invested Instagram⁠⁠⁠ & Process Instagram and if you haven’t already, hit follow in your podcast app (it really helps our small businesses grow).

    52 min

  5. FEB 10

    How much should you be saving vs investing right now?

    In today’s episode, we tackle one of the most common money questions: how much should you actually be saving, and how much should you be investing? We break down how we’re personally thinking about this in 2026, including the specific saving figures we’re aiming for, how we’re prioritising different buckets of money, and how our approach changes depending on life stage and goals. We cover: ✨ How we’re approaching saving this year (including real numbers) ✨ The difference between “safe” money and “growth” money ✨ How we think about investing alongside saving, not instead of it ✨ The house dilemma: savings vs investments for a property deposit ✨ How to make decisions without feeling like you’re “doing it wrong” Find us on ⁠⁠⁠Instagram⁠⁠⁠ or ⁠⁠⁠TikTok⁠⁠⁠, and if you haven’t already, hit follow in your podcast app - it genuinely helps our small business grow. We hope you’re So Invested 🧡

    38 min

  6. FEB 2

    The AI tools we're using to upgrade 2026

    Today we're sharing the AI tools we actually use to reduce mental load, automate boring life admin, and make better decisions - at work, with money, and in life. We cover: ✨ Why women are adopting AI at lower rates - and why it matters ✨ Mental load & admin: Perplexity / Comet, Granola, Lindy.ai ✨ Leverage & creativity: Gamma, Nano Banana, Lovable ✨ Ease & personal life: Lifenotes.ai, Doji, NotebookLM Recommendations: Acquired episode: Google the AI company Orenmeetsworld YouTube channel Hot Smart Rich episode here Find us on ⁠⁠Instagram⁠⁠ or ⁠⁠TikTok⁠⁠, and if you haven’t already, hit follow in your podcast app (it really helps our small business grow). We hope you’re So Invested 🧡 This episode was brought to you by ⁠⁠Up⁠⁠, sign up today using our code SoInvested20 and get $20 in your account.

    39 min
  7. The tax conversation no one had with you at school

    JAN 28

    The tax conversation no one had with you at school

    Welcome to episode two of Backbone! The four part mini series where we discuss the financial side of building a business. Today, we get into the structures that sit underneath your business and the tax impacts of each! Whether you’re just starting out, running a side hustle, or transitioning into something more complex, the way your business is set up has real implications for tax, cash flow, and risk. And yet, this is one of the least openly discussed parts of being a founder. So, this week, we have the candid tax conversation that no one seems to be having. In this episode, we cover: The common business structures available to new and growing business ownersHow and when structures tend to change as your business becomes more complexThe tax realities founders often avoid (and why that’s risky)Our perspective on when to bring in an accountant, bookkeeper, or advisor and what to look forThis episode is brought to you by Notion - and by far one of our favourite tools, Notion Agent. Notion Agent is fundamentally different from typical AI tools. Instead of just suggesting or chatting, it completes tasks end-to-end, turning days of manual work into minutes. It acts like a Notion super user that understands your workspace, your working style, and how you like things done - helping you stay organised, clear, and accountable as you build. Let Notion Agent do the heavy lifting for you at ⁠Notion.⁠

    54 min
  8. 4 systems you need to achieve your 2026 goals

    JAN 26

    4 systems you need to achieve your 2026 goals

    At the beginning of every year, we are filled with new motivation and an attitude for change. But here’s the thing - motivation is a terrible long term strategy. Instead, we need consistent systems in place to actually achieve our goals, for when motivation (undoubtedly) dips!! In this episode, we break down why most people don’t fail because they’re lazy or undisciplined - they fail because they never set up the systems to support the outcome they want. We cover: Why relying on motivation will always let you downWhy choosing one goal is the fastest way to make progressAnd the four systems we’re putting in place this year to ensure we actually hit our North Star goalThis is the practical, no-fluff conversation about designing your environment, habits, and workflows so progress happens by default! If you hear us yapping our reflection in our Rich Girl Habits - here’s a template to start your own: Reflection prompts and if you hear us to continue to yap about Notion, here is the event Maddy is talking on Notion: Build your life's work ! Find us on ⁠Instagram⁠ or ⁠TikTok⁠, and if you haven’t already, hit follow in your podcast app (it really helps our small business grow). We hope you’re So Invested 🧡 This episode was brought to you by ⁠Up⁠, sign up today using our code SoInvested20 and get $20 in your account.

    38 min
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About

The weekly money conversation that’s been missing from your group chat. Smart, unfiltered chats about money, business, and building a life you’re invested in.

Information

  • Creator
    Maddy Guest & Sophie Dicker
  • Years Active
    2025 - 2026
  • Episodes
    34
  • Rating
    Explicit
  • Copyright
    © Maddy Guest & Sophie Dicker
  • Show Website
    So Invested

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