November 27, 2025 • 42 mins
In this solo episode of The Real Money Podcast, I break down the emotional side of money and reveals what today’s financial landscape really looks like for women—plus the mindset shifts needed to close the gender wealth gap for good.📘 Get the book *Stop Budgeting, Start Living*👉 Amazon: https://www.amazon.com/Stop-Budgeting-%20Start-Living-Transform/dp/B0DJKXX37N👉 Audible: https://www.audible.com/pd/Stop-Budgeting-Start-Living-Audiobook/B0F2591G1Y⏱️ Ready to shift how you think about money in just one minute? Check this out: https://1minutemoneymindset.com/Find and follow Lisa Chastain:Website: https://lisachastain.comInstagram: https://www.instagram.com/savvymoneywithlisa/Facebook: https://www.facebook.com/savvymoneywithlisa
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Transcript
Episode Transcript
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(00:02):
Hey, it's Lisa. Welcome to the Real Money
Podcast, where money is emotional before it's
mathematical. And in this season, we spent a
ton of time talking about thingsthat are happening in the money
industry and adjacent to the money industry that are
disrupting the way that we live,the way that we work, and the
way that we think about our health, our wealth, and our
(00:22):
careers. Today's a solo episode, and I'm
going to talk about what it really means to be rich as
defined by me, and where I see the money world moving as it
pertains to women. I'm going to share with you some
powerful statistics about the status of women today.
And we are on the eve of my 46thbirthday.
I started this show a few years ago because I didn't feel like
(00:46):
when I went on to money podcasts, the real conversations
were being had. And if I'm being honest, looking
back then with what I know now, is that I felt like there was a
lot of bullshit and a lot of conversation about the topic of
money. And where my goal was with this
podcast was to help fill the gapof having real meaningful
(01:07):
conversation for women just likeme.
I'm a blue collar girl. I grew up on a dirt Rd. in the
outskirts of Las Vegas. Now I know Las Vegas is huge
today, but 46 years ago it was asmall town still.
And it is it is still predominantly a blue collar kind
of town. Things have changed a lot in the
world and in Las Vegas for me. I've had the privilege of seeing
(01:29):
this city grew up and I've grownup alongside of it.
But when it comes to money conversations, being a blue
collar girl, I talk about these things in my book.
You've heard about it before, but in this one-on-one solo
episode with you, I thought I'd get more, even more real with
you. I was noticing some things being
in the money industry and conversations that were being
had in the money industry that Ijust didn't resonate with.
(01:52):
And what we're getting feedback from over and over again from
our listeners in this podcast isthat it's real, it's
approachable, it's dealing with the emotional side of money.
And my hope is that it's continuing to disrupt old
patterns, old systems, and old paradigms that are no longer
serving us and specifically haven't been serving women for a
(02:14):
really long time. So I gave this talk at the Take
the Lead event last. What is it?
It's November, and that event was October 9th, 2026.
And in this talk which I'm goingto share with you today, we've
got some really powerful statistics to talk about where
women are going when it comes tomoney.
And I am here for that conversation, but not
(02:34):
exclusively for women. Because what we know is that
women, we need men. Men, we need women.
This is not a only for women conversation.
This is a from a woman's perspective, where we're at and
where we're headed and what needs to happen for the balance
of the world to return to whole out of a male dominated
(02:57):
paradigm. That is what we're leaning in
today. I'm so glad you're here.
Let's get started. All right, so statistically,
here's what we've seen happen inthe last year.
The financial landscape for women reveals a stark reality
that demands our immediate attention, $31 trillion of
(03:19):
assets controlled, yet most women would report that they
don't feel wealthy. Well, 31 trillion is great, and
that's growing by the day. We're in the middle of the
greatest wealth transfer. A lot of that wealth is going to
come to women, but it's going tocome to women
disproportionately. The have still have, it's still
(03:40):
the top 5% of people who are going to inherit the majority of
this. Well, think Warren Buffett, he's
98 years old. That money is going to pass down
generations, but it's going to pass down to the generations
that are already wealthy. So yes, more what?
More money is coming to more women in this decade, more than
ever before. And yet it's still coming to
women disproportionate. And I've got some more
(04:02):
statistics that we need to thinkabout and communicate about.
And if you're listening to this,I want to know what you're
thinking. If you're watching this on
YouTube, welcome. Let me know what you're
thinking. How does this resonate with you?
And the ultimate question for you by the end of this episode
is what are you willing to challenge yourself with and do
about it? Because in Real Money, that's my
(04:22):
goal, is that you come here, youlearn, you get new perspective,
and you take it back out into your world and you take action
because that's where real, real change happens.
Not just by listening to this episode, but by taking it in,
digesting it, and then deciding for yourself what you're going
to do about it. And we'll have some
opportunities along the way in this episode for you to to
(04:43):
imagine what steps you could take in my world to continue
this work with me. 23% of women feel confident about what
they're doing with their money. Of the four billion women on the
planet today, only 23% feel confident.
Where are you in the mix? 70 to 80%?
This is the number. This is the percentage of women
(05:04):
who will manage money independently at some point in
our lives because we live longerthan men.
That's not changing. So 70 to 80% of us are going to
independently own money at some point in our lives. 23% of us
feel confident about money, and $31 trillion is being controlled
by women and most women don't feel wealthy yet.
(05:27):
What is going on? What is going on?
Well, from my perspective, we'vebeen taught predominantly by
male constructs and we are bombarded by messages of how we
are not enough, which then permeates right into our
relationship with money. We must have a new framework.
We must, we must step into 2026.We must step into these new
(05:51):
decades coming before us. We must, as women, step into new
framework and new paradigm when it comes to money.
And I'm going to talk about whatthat framework is today or what
I believe it should be and the mission that I'm on to help
change this conversation to helpwomen have more money, more
success, more power, more control, more healing so that
(06:11):
the world wins. Because when women have more
money, the world wins. We have statistics that back
that up over and over and over again.
And I know you're with me and that's why you're here in the
podcast. So let's stop for a minute.
If this conversation is important for you to have, share
it out with someone that you love.
Share it out with a woman that you love.
Let her know what you're listening to.
Let's keep the conversation going in your own community and
(06:34):
your own sisterhood, in your ownnetwork.
That's how this work grows and expands and evolves when we do
it together. Here's another statistic as of
January 2025, Just as of January2025, it's November 4th that I'm
recording this episode. So in the last 11 months, we've
had over 200,000 women leave corporate America, women of
(06:56):
color, and I've seen this statistic, women of color, over
300,000 women of color have leftcorporate America over the last
few years. Corporate America is
hemorrhaging right now. People are leaving.
Predominantly women are leading corporate America.
Why? Why are we leaving?
Maybe you're listening to this and you're considered leaving.
(07:18):
Maybe you're listening to this and you've already left.
Why did you leave? What I know from the
conversations I'm having with women is that we're done.
We're fed up. We're over it.
We don't want to be controlled anymore.
We don't want to be told what todo.
We want our voice to be heard. We want a seat at the table.
We don't want to have to grind to get there.
(07:38):
We're just done with it. We're done with the rules and
the regulations and the nonsenseis happening in corporate
America right now. Well, where are we going if
thousands and thousands of womenare leaving corporate America
and we're in the middle of a government shutdown, more people
are being furloughed, more people are leaving with or by
choice or not choice. They're still they're still
leaving. Where are we going?
(07:59):
Well, what we're not doing is we're just going home to stay at
home. That's not happening.
This one statistic backs that up. 49% of new businesses in
2024 were started by women. 9%, Half of the new businesses that
were started by people in America were started by women.
So we're not leaving the workforce.
We're leading corporate America and we're starting our own
(08:22):
companies. Why?
Well, most women will tell you they want independence, they
want freedom. They want to do things on their
own. They don't want to have to
report to a narcissistic boss. They are tired of working
patriarchal dynamics that are not working for them.
Why are you leaving? Let us know what's going on with
you. That's what we're here to do is
have that conversation open, honest, and loudly.
(08:44):
Women and money report card. This is global and regional
breakdown. Some of these stats we're going
to put into the show notes today.
So you can pop into the show notes and grab some of these
stats, but I'm going to read them off for you.
Globally, 33% of global wealth is held by women today.
This is from the Bank of AmericaInstitute.
This includes financial assets and overall wealth, 33%.
(09:07):
So we don't own the majority of the world's wealth yet, even
though a good amount is coming to us, although
disproportionately it's coming our way.
This statistic was about 15% a decade ago, so it's climbing,
but still 1/3 of the world's wealth is managed and owned by
women. That's it.
We're not even at the majority yet.
(09:28):
American women is a little bit different, but still we've got a
lot of room to grow. And if you go back, I have
another episode about this was done about women and money in
the history of women and money in the United States over the
last 100 years. This speaks into that that this
is a statistic that makes a big difference in our mindset
because less women owned money over a decade ago than they do
(09:51):
today. Which also means that we have
women who are facing real time, our own belief system, our own
generational patterns, and our own nervous systems to have more
wealth, to grow more wealth, to become more independent.
There's a lot happening inside of that conversation in my world
(10:12):
and in other money worlds where we're confronting mindset head
on. And it's going to take some work
beyond budgeting for us to be able to get to the other side of
this so that the world has 50 percent, 75% wealth owned by
women. What would be different if that
was the case? I know that's scary to think
some guys are like, hold the fuck up, What does that mean for
(10:33):
them? Well, we'll never know until we
try. But what I do know is that we'll
have a healthier world as a result of women having more
money. And we've got to lean into that
conversation. But the data is clear.
We are not yet the owners of themajority of wealth on the
planet. We have work to do.
Another statistic in global financial assets, 34% of global
assets under management are controlled by women.
(10:55):
That doesn't necessarily mean owned by women, It just means
controlled by women. So let's break this down.
This was as of 2023. Global assets under management
are controlled by women. That means women are making
portfolio and management decisions either in the industry
or independent of the industry and family offices.
Women's wealth growth is outpacing the market overall.
(11:18):
So more and more, more and more money is coming our way.
More and more money is coming byour way, but we're still not at
the halfway mark. Even though we have half of
businesses being opened by women, we still have a ways to
go when it comes to over ownership and control of wealth
in the United States. Women control about 1/3 of the
US household financial assets. Large wealth transfer events and
(11:39):
demographics will continue to shift this more and more.
So still about 1/3 of the US households are being controlled.
Financial assets are being controlled by women.
This doesn't say owned by women,by the way.
So we have our hands in it. But to me, control and ownership
are two totally different things.
It may not be solely in our name, although we're running the
(12:01):
decisions around it. And then when it comes to
spending money, we know that forsince the beginning of time,
women have spent the majority ofmoney.
So it's controlled decisions arehappening in our fingertips.
This is 1/3 of households in America today.
And retirement. Women are expected to accumulate
only 74% of men's wealth by retirement, despite equal
(12:23):
starting roles. Lifetime events widen the gap.
What are those lifetime events? Kids, families.
Women are still the caretakers in the family.
So we will accumulate only up to74% of men's wealth by
retirement because we have gaps and we have a mindset problem.
(12:43):
We have a context problem when it comes to women and wealth.
And that is the world. That's the goal of this podcast
and the workshops that I'm doingand the work that I'm doing is
to help bridge that gap for women and men alike.
US single, unmarried adults. Among unmarried adults in 2022,
typical single men had 82,000 inwealth versus typical single
(13:04):
women 58,000 in wealth. This is from the Pew Research
Center. So there's a big gap.
There's a big gap. Why I'm here to say I think it's
mindset. I think it's mindset over
anything and everything that we must continue to work past,
which is why I'm on a mission tostate say, stop budgeting
because we need, as women, a huge breakthrough when it comes
(13:27):
to money and scarcity and holding back and cutting back
and not spending money are not the answers.
Among the world's richest, womenare underrepresented.
Only 15 of the top 100 billionaires are women.
So yes, on social media, we see that there are billionaire
women. We see Taylor Swift.
(13:49):
I see you, Taylor Swift. You're amazing.
I love you. And yet only 15 of 100 are
billionaires. Huge gap.
When more money is coming to women, more women control money
more than ever. More than ever.
Still only a third of the money.And there are fewer female
billionaires than there are men.We have work to do.
(14:13):
Single women historically owned $0.32 of wealth for every dollar
that single men own. Why?
Why? Well, at this stage in the game,
it's not because we're less educated.
We're the most educated women onthe planet ever than ever
before. You've heard me say about
you've, you've heard me say thisbefore on the podcast.
(14:34):
It's our mindset, y'all, that's our mindset.
And I'm going to talk about someways that you can work on
reframing your relationship withmoney today.
And that is what this podcast isabout.
That is what my world is about. I've got some incredible events
coming up next year. You can read my book to get
started. I've got women and men coming to
me now going, what do we do about this?
(14:54):
And I still have some more statistics for you.
And I hope that you're in that question too, because it's not
going to be budgeting that's going to get us there.
Budgeting will get us more of the same, more of the same
conversation, more of the same disparities, more of the same
inequities, more of the same control.
We have to breakthrough into a new paradigm and I'm here to
(15:17):
help you with that. Status of women in business.
So let's talk about women in business.
So earlier we talked about how half, a third of US household
assets are being controlled by women, which is different than
overall wealth. Not going to get into the total
intricacies of that, but statistically nearly half of all
(15:39):
US wealth is now controlled by women.
But this is disproportionate. Money sits in all different
places. So household finance is it's
still 1/3 US. Wealth is in existence in a lot
of different ways, real estate and different portfolios and
business ownership and all kindsof all kinds of ways that that
(16:02):
wealth is managed and controlledand owned.
So half of that is disproportionately controlled by
women. And this is a staggering
statistic. So when we're talking about
women in business, women are leaving corporate America, women
are going to business ownership.And so we're leading corporate
America, we're starting businesses, we're becoming
entrepreneurs. We're just wanting to figure
(16:23):
things out on our own. And yet less than 3% of venture
capital goes to women owned businesses.
We make less, we control less. We have big dreams, we have big
visions, we have big goals. And yet 3% of venture capital
goes to women. What is up with that?
(16:43):
It's got to be mindset. We're more educated, we're more
capable than ever before. It's got to be mindset, right?
90% of women will be the sole financial decision maker at some
point. So we're rising.
But in order to have more, we'vekind of now start to confront
ourselves, confront our mindset and the statistics go on and on
(17:06):
and on and on. But don't be fooled by social
media. I'm on social media, you're on
social media, you're on CNBC. Maybe, maybe not.
Maybe following the world of money and people with money.
And you might be thinking to yourself that everyone has money
but you or every woman is running a 7 figure business but
(17:26):
you or everyone has got this figured out but you.
But the truth is that that's notthe case.
And here are some statistics that back that up.
There are 14,000,000 women ownedbusinesses and only three to 5%
of them earn over $250,000 annually. 3 to 5% make more
(17:49):
$250,000 a year, which means that we have millions and
millions and millions of business owners, female business
owners, we're making less than $250,000 a year.
That's the stats. That's not the reality or that's
not what you see or hear on TikTok or Instagram.
But I promise you that there aremore women making less money
(18:10):
than most than the other way around.
Only 500 women LED companies generate 500,000.
So half a million of the 14 millionaire making between
250,000 and $900,000 a year, less than $1,000,000. 88% of
female business owners are stillmaking under $100,000 a year.
(18:35):
I hope that when you hear those statistics, you realize that
you're not alone in your pursuitand you're not alone in your
goals. And there is there's some real
time reasons why this is happening and we have to be
willing to confront some of those paradigms and make those
shifts in order to get to the other side of it.
But trust me when I say that if you are not yet at that
(18:56):
$1,000,000 mark or that multi $1,000,000 mark, you're not
alone. Because 88% of female owned
businesses are still making lessthan $100,000 a year.
OK, it's a climb. We've got work to do.
Now. If this conversation is
triggering you, good. If it's poking on your nervous
system, good. If it's getting under the
(19:16):
surface of all the things that you've been feeling or seeing or
watching or knowing or feeling or hearing out in the world,
you're not alone. And what I believe is that the
old playbook of money isn't working for women.
It hasn't worked for women. Slowly, we're making progress.
We are making progress. But what would have to happen
for us to make faster progress? Well, I think we need to break
(19:39):
out of this paradigm of traditional financial advice.
This is what I've seen across the board, which is why I'm on a
mission to change. It creates a toxic cycle of
guilt, shame, and confusion. It wasn't built for women in the
1st place. If women stay guilty, if we stay
ashamed, and if we stay confused, who has the power?
Still not us. But when we have clear
(20:00):
confidence, one, we can stop relying on financial pundits to
tell us what to do. Because if we're not confused,
if we're confident, if we're notguilty, we're happy.
If we're not filled with shame of the choices that we're making
and we're clear, we don't need all this financial advice out
there from pundits and experts. We can start thinking on our
(20:22):
own. And have clarity and trust from
within. And that's the mission that I'm
on. That's what I want for you.
So I hope that you approach my world like that.
Like I'm here to share with you what I know.
I'm here to share with you and be a guide.
But ultimately, the answers comefrom within.
That is deeper level work. And that's exactly the work that
we need to have happen in order for us to start thinking for
(20:43):
ourselves and taking new action.So here's the system that's
broken for women that needs to shift into a new paradigm.
Save more. It's the endless cycle of
restriction and deprivation. I've been in rooms with
financial advisors who are talking about scarcity and fear.
You're not going to have enough by retirement.
(21:03):
You have to save more. You need this financial product
to make sure that you secure andlock an income over and over and
over again. We're just being fed shame and
not enough and scarcity. Here's the second thing that we
hear over and over and over again in personal finance.
Spend less. It's guilt driven decisions
(21:23):
making you feel guilty about thedecisions that you're making
that disconnect you from joy. Don't go out to eat.
Dave Ramsey says don't do it if you're in debt.
By the way, if you're in debt, you're an idiot.
By the way, if you have credit card debt, you're stupid.
Oh well, you just didn't know any better.
You're ignorant. I've heard these conversations
come out of the mouths of financial pundits and it's
(21:43):
hurting all of us. So spend less is not a financial
strategy. Spending less is not going to
get you where you want to go because the most abundant people
that I know on the planet spend happily.
They spend joyfully. They don't restrict themselves
from pleasure. They don't restrict themselves
(22:03):
from vacation. They enjoy spending.
They don't hold back. What's different about the
financial conversations that arehappening on TV, on Instagram,
and across the board is you're being told to cut to save more,
more, more, more, which is a less conversation because if you
need more, you don't have enough.
Spend less because you're spending too much.
(22:25):
We've been hearing this for decades, for hundreds and
hundreds of years as women and budget harder On my YouTube
channel. I've had men yell at me before.
Well, it didn't work for you because you didn't work the
system or you're not smart enough or you didn't work hard
enough. Budget harder, try harder.
These are shame based systems that ignore your reality and all
(22:49):
they're designed to do is get ratings and likes.
They are not serving you. We've got to shut it down.
Shut it down because there is analternative.
Here's how I believe traditionalfinance is feeling.
Women, it's a budget prison. Budget prison says stay in these
rigid systems, Just track your money, track every single
(23:12):
dollar, and somehow buy magic with more discipline, more
self-control, which presupposes that you don't have either.
You're going to get what you want.
You'll have millions of dollars in the bank.
Doesn't work that way, you guys.It doesn't work that way.
There's a shame spiral, self blame, guilt cycles that keep
women small, apologetic and disconnect us from our financial
(23:35):
power. You guys, as a money coach for
the last decade, I've had so many women come in to me afraid
to share the real stuff, afraid to share what they spent.
They're afraid to show me the numbers because they think I'm
going to shame them or guilt them.
Why are they going to think that?
Because that's what's been happening for decades about
women and money. We've been controlled, we've
(23:57):
been shamed. We've been told we have to
budget. Women who write books and
finance are telling us that we have to do these same things.
They're sharing the same old systems, the same old paradigms.
That's creating slow growth. We're not busting through it,
it's hurting us. We've got to stop it and there's
a huge gap. Does the data supports this
between and what success is for women versus what it is for men?
(24:20):
We got to shut it down. Here's where we start, and
here's where we start. We have to look at the feminine
ways of being with money compared to the masculine ways
of being with money. The feminine way of being with
money is flow and receiving. It prioritizes alignment,
collaboration, and intuitive guidance.
It focuses on drawing in opportunities, building
(24:42):
sustainably, rooted in inner worth and purpose.
It's about being, allowing and expanding.
That is the feminine way of being with money, compared to
the masculine way of money whichwe've been taught over and over
and over again. Emphasizes competition,
relentless pursuit, external validation.
(25:03):
It focuses on chasing opportunities, controlling
outcomes, and often valuing output over process and
sustainability. The masculine way of being with
money is about doing, striving, and acquiring.
And it's hurting all of us. It's hurting all of us real time
on the planet today for us to predominantly be in the
(25:27):
masculine way of being with money.
It's counterintuitive to the feminine, but what happens when
we lean over to the feminine, when we talk about being in the
feminine way of being with money?
Fear. It's fear.
It's fear. And also as women we have been
taught to ignore those feminine ways of being men.
(25:49):
You have to. And for us to even imagine what
it would look like or feel like to have money and to be with
money, that is not about doing striving and acquiring hyper
masculine. It's fear because what if we get
it wrong? Well, I'm here to suggest that
(26:10):
when we have the courage to leaninto flow and receiving, which
is where safety comes in, by theway, we have to feel safe enough
to receive it. And women, our bodies have been
violated. Our brains have been brainwashed
to think that it's our fault when we're violated.
There's so many reasons why we don't feel safe to open
(26:30):
ourselves up to flow and abundance.
And it's this dis ease and disconnect between the masculine
and feminine when it comes to money that we need to lean right
into and bust open. And imagine a world where being,
allowing and expanding is the predominant conversation not
just for entrepreneurs, but for people on the planet.
(26:52):
Because it's more sustainable that way.
It's less rigid that way, it's more fluid, it's more fun, and
that scares the crap out of a lot of people.
It really does. It's time for a feminine model
of financial leadership to take shape.
It's cyclical, intuitive, it's purpose driven, it's flexible,
and it's collaborative. I'm going to pause there, and
(27:14):
when we come back from the break, we're going to talk about
the work that I'm doing for women, the future of money and
women in the way that I see it, in the way that we're creating
it in my world, real time. Stick with me.
We're going to talk about next steps.
We have the status of women. We now know the difference
between masculine and feminine when it comes to money.
And I'm going to share with you all the things that we're going
to do about it after the break. All right, so we're back.
(27:36):
So what is the future of money for women?
Well, more money is coming to women disproportionately.
So we have some glass ceilings of our own to breakthrough in
order for more women to have more money, regardless of where
they are in the in the frameworkor structure or hierarchy of
money, if you will, on the planet today.
But here's what I know. The future of women and money is
(28:00):
emotional regulation, values based spending, and a new wealth
identity. Those three things combined,
when we work with them together create a whole new way of being.
When it comes to money and women, we are so ready for it.
We are so, so ready for it. Let's talk about each one of
those and how they work real time.
(28:23):
First, the emotions of money in my book Stop Budgeting, Start
Living. So I have my book here.
You can grab your copy today andwe can work through this
together. In the book real time, I talk
about your financial set point. Your financial set point was in
play before the age of seven. These are what we call our
imprinting years. And in our imprinting years, we
(28:44):
learned how to be human beings. We learned how to be little
tiny, walking, talking human beings.
And it's all emotional. It's the feelings, it's the
stories, it's the beliefs that drive your financial patterns.
95% of the decisions that we make in our money are in the
unconscious mind. And that comes from our
imprinting years and our modeling years, which is
(29:04):
imprinting is zero to seven modeling years is 7 to 14.
In my new program, which is a four day intensive retreat style
program, it's called the Wealth Within.
We lean into that. So it's in my book, you can
start on that work right now, but it's also in The Wealth
Within which I'm launching next year, where you can get into
touch with your emotional relationship with money.
(29:26):
There is no way to separate youremotional relationship with
money. There is no way to separate
logic and figures and facts fromemotions.
It's impossible. And people who want to tell you
that you have to be more disciplined and that you have to
control the and track every dollar are ignoring the fact
that what happens first is your emotions come into play.
(29:49):
Your thoughts and your emotions work together and real time,
seconds and seconds every singlesecond, they're influencing the
decisions that you're making financially.
When you can acknowledge that, then you can begin to work with
it. And that's in my money coaching
certification that I'm in the process of right now.
Certifying coaches to learn how to do this with clients real
(30:09):
time, which is the emotional release work, which is the
breaking through generational patterns work so that you can
begin to work with your emotions, heal the things that
you need to heal. Work within your nervous system
so that you can then clean up and clear out any disease that
you have when it comes to your money.
If you're listening to Dave Ram's, if you're listening to
Caleb Hammer, you're listening to other kinds of financial
(30:31):
experts who don't get this. They're basically telling you
that you're fucked up and then it's your fault that you're
making the decisions that you'remaking financially.
And it's just not true because it's a it's a conglomeration of
generation after generation after generation generation
mindset that's inherited that you, you're listening to this,
are being charged with reversingand altering the course of
(30:54):
history for generations behind you and generations before you.
It is way emotional before it's mathematical.
Y'all way, way, way. You must lean into that
conversation. And then we have values based
spending, which is totally different than a traditional
budget. A traditional budget is going to
work with percentages. It's going to tell you the
(31:14):
604040 rule or the 8020 twenty rule. 80% of your money goes
here, 20% goes there, full stop.What I mean by stop budgeting, I
get this question all the time when I'm a guest for podcasts is
what does that mean? What is stop budgeting mean?
And also what does a budget meanto you?
And what budgeting means to me is that budgeting is trying to
(31:35):
control your every dollar, dollar and every cents, not
connected to your emotions, not connected to your values, not
connected to your priorities, but based on someone else's
framework of saying this is whatyou should do with your money.
And then you have a budgeting, like a budgeting app that tells
you that you you should only be spending $200 a week on
(31:56):
groceries, for example, And thenyou should only be spending $200
a week on gas. And then you only have $50 a
week for entertainment. It's very restrictive, It's very
line itemed, and it's also very in the rear view mirror because
when traditional budgeting, whenyou're traditionally budgeting,
you're saying, well, we're just we're planning on spending this
(32:18):
and then we're going to see how we did.
Which is different from values based spending, which is
aligning your money with what matters to you most first to
create your most authentic pathway to get there, which is
not following someone else's framework, which is way less
mechanical than you think it hasto be, which is putting money
(32:41):
into a spending account for spending purposes and enjoying
it, giving yourself permission to spend.
In my world, we spend time breaking these things down so
that on the other side of budgeting, we take the budget,
we throw it away. We talk about first what's most
important to you and what is thevision that you have for your
life. It's not that cash flow
(33:01):
management isn't important. I'm not saying that in any any
of my books or any of the work that I do.
The cash flow management and cash flow strategy and future
forecasting your cash flow is a totally different way of looking
at your money as it flows forward into the future.
Then just arbitrarily creating categories and trying to budget
(33:25):
thinking of that's going to be the solution to your financial
problems and woes. Because it's not.
Because there are a lot of reasons you have those financial
problems and woes and budgeting is not one of them.
OK, so stop trying to slap a budget onto the bigger problems.
And in this work, it takes time,it takes some digging, and it's
so, so worth it. Also, wealth and identity go
(33:48):
hand in hand. You're going to get more of the
same by subscribing to the identity that you have today, or
the identity that you have in your past, or the identity that
your family has. You're just going to get more of
the same. But if for those of you who are
here because you truly desire tohave wealth, first of all, you
need to, you need to define whatthat means for you and only you.
(34:09):
Not as defined by someone else, by a financial advisor, by a
financial pundit, by anyone else.
But what does wealth mean to youspecifically for you?
What does success mean to you specifically for you?
And then let's build a new identity around that.
Who is she? Who is she?
What is she up to in the world? What does she do on a daily
(34:31):
basis? What are the conversations that
she's having? True wealth is about who you
become, not just what you accumulate.
And if you can start in that conversation with your emotions,
with your values, with building a new identity for building
wealth, you're going to actuallybecome the woman that you
(34:52):
imagine becoming. You're not just tracking money
for the sake of tracking money. You're not just accumulating
wealth for the sake of accumulating wealth.
You're becoming the woman that you envision yourself being on
the planet today. And we need more of that in the
money industry and the money landscape.
OK, moving on. Just a few more things to talk
about in today's podcast episode.
(35:14):
I hope this has been valuable for you.
If it has, make sure you like and subscribe to this channel.
Share this out with someone. Have a conversation with another
woman that you know and love today.
Talk about the things that are working in your financial life.
Talk about the things that are not working in your financial
life. Let's keep the conversation
going now. Here's the new playbook for
wealth for women and for people on the planet today, Emotional
(35:37):
safety. We have to learn how to create
emotional safety. And guess what?
Emotional safety does not live in the numbers.
You cannot just say that by having $1,000,000 you're going
to feel safe, because for a lot of people, that's actually the
opposite. Emotional safety is by creating
a secure foundation where you can make clear, confident
financial decisions without fearor anxiety.
(35:59):
And that requires you to regulate your nervous system.
That requires you to heal from your past money wounds and
traumas. You're not really blocked from
having the future that you want.It's probably that you just
haven't clearly and successfullyidentified it and laid it out
for yourself. Aligned financial practices go
right into this new work, this new playbook for wealth, for
(36:21):
women, building money habits that reflect your values,
support your authentic vision for success.
This is a winning combination with emotional safety.
Buckle up, buttercup. If you have emotional safety and
then you have aligned financial practices, you're moving a new
direction. You're not looking in the
rearview mirror. You're not needing a budget.
Most people in my world stop budgeting.
(36:43):
They do track their money, they do look at the flow in and out,
but they're not so tight around it.
They're not trying to control it.
So much radical responsibility goes right into this new
playbook. I talk a lot about this in my
new book, Stop Budgeting, Start Living, but you've got to own
your financial power completely.If you are blaming someone else
for where you are in your life or whatever reason, you are not
(37:06):
in a responsible conversation and that is keeping you playing
small. That is keeping you stuck.
That is not putting you into a whole healthy, aligned and safe
conversation when it comes to your money.
No one's coming to save you financially.
No one's coming to save you in your life.
It is your job to do this movingforward and it's going to take
(37:27):
you being in a radically responsible conversation.
If you do not know how to do that, come to the wealth within.
I will teach you how to do that in my 4 day event, to shift from
victim, from blaming, from mindset.
And trust me, there's a lot of that in the financial world too.
In the financial landscape, in the government shutdown, we're
seeing it real time of people blaming the government for their
(37:49):
problems, people who are radically responsible for their
lives and their futures. Do not blame anyone, including
themselves. So stop blaming yourself.
Just do the healing work to release and let go and move
forward in a new future where you're feeling emotionally safe,
aligned in your financial practices, aligned in your
vision, in your purpose for life.
(38:11):
You're in a radically responsible conversation.
And here's the final piece. Community and sisterhood.
We are not meant to operate alone.
We are not meant to do this workalone with community and
sisterhood. And you are all doing this at
the same time, real time. That is how real change happens.
(38:31):
That's how it's changing in my world.
That's how it's happening in my world.
And when these things start to work together, life gets really
fun, possibilities open up, and you start to live a life that
you love, financially and otherwise.
That's a new playbook for women and for wealth.
Those things get to happen all together for women to bridge the
(38:53):
gap financially. We do it together, We do it with
love, so we rise together. When women support women, we all
rise. Your success creates permission
for others to succeed. There's nothing wrong with you
having financial success becauseyou give women permission to
succeed. Sisterhood matters.
There's data that backs us up. Bernie Brown's work backs this
(39:16):
up. There are Co regulation studies
that talk about women Co regulating together when it
comes to finances. How cool is that?
When we can get together? I know this happens in my world.
I've got my sisters. We get together, we talk about
money, we talk about life, we Coregulate, we support for each
other, we keep moving forward, we give each other high fives,
(39:38):
we tell each other we're awesome.
Yes go make that $1,000,000. Yes go make those multi
$1,000,000. Yes stretch outside your comfort
zone. Social support lowers coders all
and reduces stress and it speedsup recovery.
Social support, you need other people to support you.
You should not be on this journey alone.
We don't want you on this journey alone.
(39:59):
Let me land the plane today on in this conversation.
So I hope that this has been valuable.
I hope these statistics are supportive.
I hope that seeing this new paradigm into a feminine
paradigm of wealth is helpful. And I want to talk about how I
have redefined rich in my own life.
In order for us as women of the 21st century, in 2025 and
(40:21):
beyond, to have more, to be more, to be seen more, to be
hurt less, to be controlled less, in my opinion, we need to
redefine the word rich. Because the masculine definition
of rich is what more accumulation.
It's hurting all of us. The feminine definition of rich
(40:43):
for me is resilience, independence, confidence, and
happiness. What would your life look like
if you just have the courage to learn how to become resilient?
Bouncing back from setbacks withgrace, with wisdom, building
financial strength through everychallenge.
There will be challenges that you'll get stronger because of
them. There's no failure.
(41:05):
There's no more self doubt, there's no more shame.
There's no more guilt. That builds resiliency so that
we can keep going. We're independent.
We make choices from a place of freedom, not fear, with a
confidence to chart our own financial course.
We're confident, trusting our instincts and our abilities,
knowing we have what it takes tocreate lasting wealth for
(41:26):
ourselves and for others. And we're happy.
We're not stressed. We find joy in the journey.
We embrace wins and we create a life that feels as good as it
looks. That is my definition of rich.
Money grows when we grow, and itmatters that we are women.
It matters so much that we are women.
We are not built to abandon our bodies, ignore our rhythms, and
(41:49):
grind ourselves to prove that webelong.
It is time for a new paradigm. It is time for a female paradigm
when it comes to building wealth.
And I'm leading the charge. I'm Lisa Chastain, your host of
Real Money. I hope that this conversation
was powerful, it was supportive,and that you feel motivated with
some clarity on where to look. It's not in the rear view mirror
(42:09):
and it's not by budgeting. We can be real, we can be rich.
We can be in charge. And I hope that you enjoy
today's show. Share it out with someone that
you know, you love, and you trust.
Let's call other women forward into this conversation.
Let's breakthrough our glass ceilings.
Let's do this work together. Let's empower and inspire each
other to have more, to be more, to dream more.
(42:33):
Because the world needs more of that.
I'll see you next time.
Hey, it's Lisa. Welcome to the Real Money
Podcast, where money is emotional before it's
mathematical. And in this season, we spent a
ton of time talking about thingsthat are happening in the money
industry and adjacent to the money industry that are
disrupting the way that we live,the way that we work, and the
way that we think about our health, our wealth, and our
(00:22):
careers. Today's a solo episode, and I'm
going to talk about what it really means to be rich as
defined by me, and where I see the money world moving as it
pertains to women. I'm going to share with you some
powerful statistics about the status of women today.
And we are on the eve of my 46thbirthday.
I started this show a few years ago because I didn't feel like
(00:46):
when I went on to money podcasts, the real conversations
were being had. And if I'm being honest, looking
back then with what I know now, is that I felt like there was a
lot of bullshit and a lot of conversation about the topic of
money. And where my goal was with this
podcast was to help fill the gapof having real meaningful
(01:07):
conversation for women just likeme.
I'm a blue collar girl. I grew up on a dirt Rd. in the
outskirts of Las Vegas. Now I know Las Vegas is huge
today, but 46 years ago it was asmall town still.
And it is it is still predominantly a blue collar kind
of town. Things have changed a lot in the
world and in Las Vegas for me. I've had the privilege of seeing
(01:29):
this city grew up and I've grownup alongside of it.
But when it comes to money conversations, being a blue
collar girl, I talk about these things in my book.
You've heard about it before, but in this one-on-one solo
episode with you, I thought I'd get more, even more real with
you. I was noticing some things being
in the money industry and conversations that were being
had in the money industry that Ijust didn't resonate with.
(01:52):
And what we're getting feedback from over and over again from
our listeners in this podcast isthat it's real, it's
approachable, it's dealing with the emotional side of money.
And my hope is that it's continuing to disrupt old
patterns, old systems, and old paradigms that are no longer
serving us and specifically haven't been serving women for a
(02:14):
really long time. So I gave this talk at the Take
the Lead event last. What is it?
It's November, and that event was October 9th, 2026.
And in this talk which I'm goingto share with you today, we've
got some really powerful statistics to talk about where
women are going when it comes tomoney.
And I am here for that conversation, but not
(02:34):
exclusively for women. Because what we know is that
women, we need men. Men, we need women.
This is not a only for women conversation.
This is a from a woman's perspective, where we're at and
where we're headed and what needs to happen for the balance
of the world to return to whole out of a male dominated
(02:57):
paradigm. That is what we're leaning in
today. I'm so glad you're here.
Let's get started. All right, so statistically,
here's what we've seen happen inthe last year.
The financial landscape for women reveals a stark reality
that demands our immediate attention, $31 trillion of
(03:19):
assets controlled, yet most women would report that they
don't feel wealthy. Well, 31 trillion is great, and
that's growing by the day. We're in the middle of the
greatest wealth transfer. A lot of that wealth is going to
come to women, but it's going tocome to women
disproportionately. The have still have, it's still
(03:40):
the top 5% of people who are going to inherit the majority of
this. Well, think Warren Buffett, he's
98 years old. That money is going to pass down
generations, but it's going to pass down to the generations
that are already wealthy. So yes, more what?
More money is coming to more women in this decade, more than
ever before. And yet it's still coming to
women disproportionate. And I've got some more
(04:02):
statistics that we need to thinkabout and communicate about.
And if you're listening to this,I want to know what you're
thinking. If you're watching this on
YouTube, welcome. Let me know what you're
thinking. How does this resonate with you?
And the ultimate question for you by the end of this episode
is what are you willing to challenge yourself with and do
about it? Because in Real Money, that's my
(04:22):
goal, is that you come here, youlearn, you get new perspective,
and you take it back out into your world and you take action
because that's where real, real change happens.
Not just by listening to this episode, but by taking it in,
digesting it, and then deciding for yourself what you're going
to do about it. And we'll have some
opportunities along the way in this episode for you to to
(04:43):
imagine what steps you could take in my world to continue
this work with me. 23% of women feel confident about what
they're doing with their money. Of the four billion women on the
planet today, only 23% feel confident.
Where are you in the mix? 70 to 80%?
This is the number. This is the percentage of women
(05:04):
who will manage money independently at some point in
our lives because we live longerthan men.
That's not changing. So 70 to 80% of us are going to
independently own money at some point in our lives. 23% of us
feel confident about money, and $31 trillion is being controlled
by women and most women don't feel wealthy yet.
(05:27):
What is going on? What is going on?
Well, from my perspective, we'vebeen taught predominantly by
male constructs and we are bombarded by messages of how we
are not enough, which then permeates right into our
relationship with money. We must have a new framework.
We must, we must step into 2026.We must step into these new
(05:51):
decades coming before us. We must, as women, step into new
framework and new paradigm when it comes to money.
And I'm going to talk about whatthat framework is today or what
I believe it should be and the mission that I'm on to help
change this conversation to helpwomen have more money, more
success, more power, more control, more healing so that
(06:11):
the world wins. Because when women have more
money, the world wins. We have statistics that back
that up over and over and over again.
And I know you're with me and that's why you're here in the
podcast. So let's stop for a minute.
If this conversation is important for you to have, share
it out with someone that you love.
Share it out with a woman that you love.
Let her know what you're listening to.
Let's keep the conversation going in your own community and
(06:34):
your own sisterhood, in your ownnetwork.
That's how this work grows and expands and evolves when we do
it together. Here's another statistic as of
January 2025, Just as of January2025, it's November 4th that I'm
recording this episode. So in the last 11 months, we've
had over 200,000 women leave corporate America, women of
(06:56):
color, and I've seen this statistic, women of color, over
300,000 women of color have leftcorporate America over the last
few years. Corporate America is
hemorrhaging right now. People are leaving.
Predominantly women are leading corporate America.
Why? Why are we leaving?
Maybe you're listening to this and you're considered leaving.
(07:18):
Maybe you're listening to this and you've already left.
Why did you leave? What I know from the
conversations I'm having with women is that we're done.
We're fed up. We're over it.
We don't want to be controlled anymore.
We don't want to be told what todo.
We want our voice to be heard. We want a seat at the table.
We don't want to have to grind to get there.
(07:38):
We're just done with it. We're done with the rules and
the regulations and the nonsenseis happening in corporate
America right now. Well, where are we going if
thousands and thousands of womenare leaving corporate America
and we're in the middle of a government shutdown, more people
are being furloughed, more people are leaving with or by
choice or not choice. They're still they're still
leaving. Where are we going?
(07:59):
Well, what we're not doing is we're just going home to stay at
home. That's not happening.
This one statistic backs that up. 49% of new businesses in
2024 were started by women. 9%, Half of the new businesses that
were started by people in America were started by women.
So we're not leaving the workforce.
We're leading corporate America and we're starting our own
(08:22):
companies. Why?
Well, most women will tell you they want independence, they
want freedom. They want to do things on their
own. They don't want to have to
report to a narcissistic boss. They are tired of working
patriarchal dynamics that are not working for them.
Why are you leaving? Let us know what's going on with
you. That's what we're here to do is
have that conversation open, honest, and loudly.
(08:44):
Women and money report card. This is global and regional
breakdown. Some of these stats we're going
to put into the show notes today.
So you can pop into the show notes and grab some of these
stats, but I'm going to read them off for you.
Globally, 33% of global wealth is held by women today.
This is from the Bank of AmericaInstitute.
This includes financial assets and overall wealth, 33%.
(09:07):
So we don't own the majority of the world's wealth yet, even
though a good amount is coming to us, although
disproportionately it's coming our way.
This statistic was about 15% a decade ago, so it's climbing,
but still 1/3 of the world's wealth is managed and owned by
women. That's it.
We're not even at the majority yet.
(09:28):
American women is a little bit different, but still we've got a
lot of room to grow. And if you go back, I have
another episode about this was done about women and money in
the history of women and money in the United States over the
last 100 years. This speaks into that that this
is a statistic that makes a big difference in our mindset
because less women owned money over a decade ago than they do
(09:51):
today. Which also means that we have
women who are facing real time, our own belief system, our own
generational patterns, and our own nervous systems to have more
wealth, to grow more wealth, to become more independent.
There's a lot happening inside of that conversation in my world
(10:12):
and in other money worlds where we're confronting mindset head
on. And it's going to take some work
beyond budgeting for us to be able to get to the other side of
this so that the world has 50 percent, 75% wealth owned by
women. What would be different if that
was the case? I know that's scary to think
some guys are like, hold the fuck up, What does that mean for
(10:33):
them? Well, we'll never know until we
try. But what I do know is that we'll
have a healthier world as a result of women having more
money. And we've got to lean into that
conversation. But the data is clear.
We are not yet the owners of themajority of wealth on the
planet. We have work to do.
Another statistic in global financial assets, 34% of global
assets under management are controlled by women.
(10:55):
That doesn't necessarily mean owned by women, It just means
controlled by women. So let's break this down.
This was as of 2023. Global assets under management
are controlled by women. That means women are making
portfolio and management decisions either in the industry
or independent of the industry and family offices.
Women's wealth growth is outpacing the market overall.
(11:18):
So more and more, more and more money is coming our way.
More and more money is coming byour way, but we're still not at
the halfway mark. Even though we have half of
businesses being opened by women, we still have a ways to
go when it comes to over ownership and control of wealth
in the United States. Women control about 1/3 of the
US household financial assets. Large wealth transfer events and
(11:39):
demographics will continue to shift this more and more.
So still about 1/3 of the US households are being controlled.
Financial assets are being controlled by women.
This doesn't say owned by women,by the way.
So we have our hands in it. But to me, control and ownership
are two totally different things.
It may not be solely in our name, although we're running the
(12:01):
decisions around it. And then when it comes to
spending money, we know that forsince the beginning of time,
women have spent the majority ofmoney.
So it's controlled decisions arehappening in our fingertips.
This is 1/3 of households in America today.
And retirement. Women are expected to accumulate
only 74% of men's wealth by retirement, despite equal
(12:23):
starting roles. Lifetime events widen the gap.
What are those lifetime events? Kids, families.
Women are still the caretakers in the family.
So we will accumulate only up to74% of men's wealth by
retirement because we have gaps and we have a mindset problem.
(12:43):
We have a context problem when it comes to women and wealth.
And that is the world. That's the goal of this podcast
and the workshops that I'm doingand the work that I'm doing is
to help bridge that gap for women and men alike.
US single, unmarried adults. Among unmarried adults in 2022,
typical single men had 82,000 inwealth versus typical single
(13:04):
women 58,000 in wealth. This is from the Pew Research
Center. So there's a big gap.
There's a big gap. Why I'm here to say I think it's
mindset. I think it's mindset over
anything and everything that we must continue to work past,
which is why I'm on a mission tostate say, stop budgeting
because we need, as women, a huge breakthrough when it comes
(13:27):
to money and scarcity and holding back and cutting back
and not spending money are not the answers.
Among the world's richest, womenare underrepresented.
Only 15 of the top 100 billionaires are women.
So yes, on social media, we see that there are billionaire
women. We see Taylor Swift.
(13:49):
I see you, Taylor Swift. You're amazing.
I love you. And yet only 15 of 100 are
billionaires. Huge gap.
When more money is coming to women, more women control money
more than ever. More than ever.
Still only a third of the money.And there are fewer female
billionaires than there are men.We have work to do.
(14:13):
Single women historically owned $0.32 of wealth for every dollar
that single men own. Why?
Why? Well, at this stage in the game,
it's not because we're less educated.
We're the most educated women onthe planet ever than ever
before. You've heard me say about
you've, you've heard me say thisbefore on the podcast.
(14:34):
It's our mindset, y'all, that's our mindset.
And I'm going to talk about someways that you can work on
reframing your relationship withmoney today.
And that is what this podcast isabout.
That is what my world is about. I've got some incredible events
coming up next year. You can read my book to get
started. I've got women and men coming to
me now going, what do we do about this?
(14:54):
And I still have some more statistics for you.
And I hope that you're in that question too, because it's not
going to be budgeting that's going to get us there.
Budgeting will get us more of the same, more of the same
conversation, more of the same disparities, more of the same
inequities, more of the same control.
We have to breakthrough into a new paradigm and I'm here to
(15:17):
help you with that. Status of women in business.
So let's talk about women in business.
So earlier we talked about how half, a third of US household
assets are being controlled by women, which is different than
overall wealth. Not going to get into the total
intricacies of that, but statistically nearly half of all
(15:39):
US wealth is now controlled by women.
But this is disproportionate. Money sits in all different
places. So household finance is it's
still 1/3 US. Wealth is in existence in a lot
of different ways, real estate and different portfolios and
business ownership and all kindsof all kinds of ways that that
(16:02):
wealth is managed and controlledand owned.
So half of that is disproportionately controlled by
women. And this is a staggering
statistic. So when we're talking about
women in business, women are leaving corporate America, women
are going to business ownership.And so we're leading corporate
America, we're starting businesses, we're becoming
entrepreneurs. We're just wanting to figure
(16:23):
things out on our own. And yet less than 3% of venture
capital goes to women owned businesses.
We make less, we control less. We have big dreams, we have big
visions, we have big goals. And yet 3% of venture capital
goes to women. What is up with that?
(16:43):
It's got to be mindset. We're more educated, we're more
capable than ever before. It's got to be mindset, right?
90% of women will be the sole financial decision maker at some
point. So we're rising.
But in order to have more, we'vekind of now start to confront
ourselves, confront our mindset and the statistics go on and on
(17:06):
and on and on. But don't be fooled by social
media. I'm on social media, you're on
social media, you're on CNBC. Maybe, maybe not.
Maybe following the world of money and people with money.
And you might be thinking to yourself that everyone has money
but you or every woman is running a 7 figure business but
(17:26):
you or everyone has got this figured out but you.
But the truth is that that's notthe case.
And here are some statistics that back that up.
There are 14,000,000 women ownedbusinesses and only three to 5%
of them earn over $250,000 annually. 3 to 5% make more
(17:49):
$250,000 a year, which means that we have millions and
millions and millions of business owners, female business
owners, we're making less than $250,000 a year.
That's the stats. That's not the reality or that's
not what you see or hear on TikTok or Instagram.
But I promise you that there aremore women making less money
(18:10):
than most than the other way around.
Only 500 women LED companies generate 500,000.
So half a million of the 14 millionaire making between
250,000 and $900,000 a year, less than $1,000,000. 88% of
female business owners are stillmaking under $100,000 a year.
(18:35):
I hope that when you hear those statistics, you realize that
you're not alone in your pursuitand you're not alone in your
goals. And there is there's some real
time reasons why this is happening and we have to be
willing to confront some of those paradigms and make those
shifts in order to get to the other side of it.
But trust me when I say that if you are not yet at that
(18:56):
$1,000,000 mark or that multi $1,000,000 mark, you're not
alone. Because 88% of female owned
businesses are still making lessthan $100,000 a year.
OK, it's a climb. We've got work to do.
Now. If this conversation is
triggering you, good. If it's poking on your nervous
system, good. If it's getting under the
(19:16):
surface of all the things that you've been feeling or seeing or
watching or knowing or feeling or hearing out in the world,
you're not alone. And what I believe is that the
old playbook of money isn't working for women.
It hasn't worked for women. Slowly, we're making progress.
We are making progress. But what would have to happen
for us to make faster progress? Well, I think we need to break
(19:39):
out of this paradigm of traditional financial advice.
This is what I've seen across the board, which is why I'm on a
mission to change. It creates a toxic cycle of
guilt, shame, and confusion. It wasn't built for women in the
1st place. If women stay guilty, if we stay
ashamed, and if we stay confused, who has the power?
Still not us. But when we have clear
(20:00):
confidence, one, we can stop relying on financial pundits to
tell us what to do. Because if we're not confused,
if we're confident, if we're notguilty, we're happy.
If we're not filled with shame of the choices that we're making
and we're clear, we don't need all this financial advice out
there from pundits and experts. We can start thinking on our
(20:22):
own. And have clarity and trust from
within. And that's the mission that I'm
on. That's what I want for you.
So I hope that you approach my world like that.
Like I'm here to share with you what I know.
I'm here to share with you and be a guide.
But ultimately, the answers comefrom within.
That is deeper level work. And that's exactly the work that
we need to have happen in order for us to start thinking for
(20:43):
ourselves and taking new action.So here's the system that's
broken for women that needs to shift into a new paradigm.
Save more. It's the endless cycle of
restriction and deprivation. I've been in rooms with
financial advisors who are talking about scarcity and fear.
You're not going to have enough by retirement.
(21:03):
You have to save more. You need this financial product
to make sure that you secure andlock an income over and over and
over again. We're just being fed shame and
not enough and scarcity. Here's the second thing that we
hear over and over and over again in personal finance.
Spend less. It's guilt driven decisions
(21:23):
making you feel guilty about thedecisions that you're making
that disconnect you from joy. Don't go out to eat.
Dave Ramsey says don't do it if you're in debt.
By the way, if you're in debt, you're an idiot.
By the way, if you have credit card debt, you're stupid.
Oh well, you just didn't know any better.
You're ignorant. I've heard these conversations
come out of the mouths of financial pundits and it's
(21:43):
hurting all of us. So spend less is not a financial
strategy. Spending less is not going to
get you where you want to go because the most abundant people
that I know on the planet spend happily.
They spend joyfully. They don't restrict themselves
from pleasure. They don't restrict themselves
(22:03):
from vacation. They enjoy spending.
They don't hold back. What's different about the
financial conversations that arehappening on TV, on Instagram,
and across the board is you're being told to cut to save more,
more, more, more, which is a less conversation because if you
need more, you don't have enough.
Spend less because you're spending too much.
(22:25):
We've been hearing this for decades, for hundreds and
hundreds of years as women and budget harder On my YouTube
channel. I've had men yell at me before.
Well, it didn't work for you because you didn't work the
system or you're not smart enough or you didn't work hard
enough. Budget harder, try harder.
These are shame based systems that ignore your reality and all
(22:49):
they're designed to do is get ratings and likes.
They are not serving you. We've got to shut it down.
Shut it down because there is analternative.
Here's how I believe traditionalfinance is feeling.
Women, it's a budget prison. Budget prison says stay in these
rigid systems, Just track your money, track every single
(23:12):
dollar, and somehow buy magic with more discipline, more
self-control, which presupposes that you don't have either.
You're going to get what you want.
You'll have millions of dollars in the bank.
Doesn't work that way, you guys.It doesn't work that way.
There's a shame spiral, self blame, guilt cycles that keep
women small, apologetic and disconnect us from our financial
(23:35):
power. You guys, as a money coach for
the last decade, I've had so many women come in to me afraid
to share the real stuff, afraid to share what they spent.
They're afraid to show me the numbers because they think I'm
going to shame them or guilt them.
Why are they going to think that?
Because that's what's been happening for decades about
women and money. We've been controlled, we've
(23:57):
been shamed. We've been told we have to
budget. Women who write books and
finance are telling us that we have to do these same things.
They're sharing the same old systems, the same old paradigms.
That's creating slow growth. We're not busting through it,
it's hurting us. We've got to stop it and there's
a huge gap. Does the data supports this
between and what success is for women versus what it is for men?
(24:20):
We got to shut it down. Here's where we start, and
here's where we start. We have to look at the feminine
ways of being with money compared to the masculine ways
of being with money. The feminine way of being with
money is flow and receiving. It prioritizes alignment,
collaboration, and intuitive guidance.
It focuses on drawing in opportunities, building
(24:42):
sustainably, rooted in inner worth and purpose.
It's about being, allowing and expanding.
That is the feminine way of being with money, compared to
the masculine way of money whichwe've been taught over and over
and over again. Emphasizes competition,
relentless pursuit, external validation.
(25:03):
It focuses on chasing opportunities, controlling
outcomes, and often valuing output over process and
sustainability. The masculine way of being with
money is about doing, striving, and acquiring.
And it's hurting all of us. It's hurting all of us real time
on the planet today for us to predominantly be in the
(25:27):
masculine way of being with money.
It's counterintuitive to the feminine, but what happens when
we lean over to the feminine, when we talk about being in the
feminine way of being with money?
Fear. It's fear.
It's fear. And also as women we have been
taught to ignore those feminine ways of being men.
(25:49):
You have to. And for us to even imagine what
it would look like or feel like to have money and to be with
money, that is not about doing striving and acquiring hyper
masculine. It's fear because what if we get
it wrong? Well, I'm here to suggest that
(26:10):
when we have the courage to leaninto flow and receiving, which
is where safety comes in, by theway, we have to feel safe enough
to receive it. And women, our bodies have been
violated. Our brains have been brainwashed
to think that it's our fault when we're violated.
There's so many reasons why we don't feel safe to open
(26:30):
ourselves up to flow and abundance.
And it's this dis ease and disconnect between the masculine
and feminine when it comes to money that we need to lean right
into and bust open. And imagine a world where being,
allowing and expanding is the predominant conversation not
just for entrepreneurs, but for people on the planet.
(26:52):
Because it's more sustainable that way.
It's less rigid that way, it's more fluid, it's more fun, and
that scares the crap out of a lot of people.
It really does. It's time for a feminine model
of financial leadership to take shape.
It's cyclical, intuitive, it's purpose driven, it's flexible,
and it's collaborative. I'm going to pause there, and
(27:14):
when we come back from the break, we're going to talk about
the work that I'm doing for women, the future of money and
women in the way that I see it, in the way that we're creating
it in my world, real time. Stick with me.
We're going to talk about next steps.
We have the status of women. We now know the difference
between masculine and feminine when it comes to money.
And I'm going to share with you all the things that we're going
to do about it after the break. All right, so we're back.
(27:36):
So what is the future of money for women?
Well, more money is coming to women disproportionately.
So we have some glass ceilings of our own to breakthrough in
order for more women to have more money, regardless of where
they are in the in the frameworkor structure or hierarchy of
money, if you will, on the planet today.
But here's what I know. The future of women and money is
(28:00):
emotional regulation, values based spending, and a new wealth
identity. Those three things combined,
when we work with them together create a whole new way of being.
When it comes to money and women, we are so ready for it.
We are so, so ready for it. Let's talk about each one of
those and how they work real time.
(28:23):
First, the emotions of money in my book Stop Budgeting, Start
Living. So I have my book here.
You can grab your copy today andwe can work through this
together. In the book real time, I talk
about your financial set point. Your financial set point was in
play before the age of seven. These are what we call our
imprinting years. And in our imprinting years, we
(28:44):
learned how to be human beings. We learned how to be little
tiny, walking, talking human beings.
And it's all emotional. It's the feelings, it's the
stories, it's the beliefs that drive your financial patterns.
95% of the decisions that we make in our money are in the
unconscious mind. And that comes from our
imprinting years and our modeling years, which is
(29:04):
imprinting is zero to seven modeling years is 7 to 14.
In my new program, which is a four day intensive retreat style
program, it's called the Wealth Within.
We lean into that. So it's in my book, you can
start on that work right now, but it's also in The Wealth
Within which I'm launching next year, where you can get into
touch with your emotional relationship with money.
(29:26):
There is no way to separate youremotional relationship with
money. There is no way to separate
logic and figures and facts fromemotions.
It's impossible. And people who want to tell you
that you have to be more disciplined and that you have to
control the and track every dollar are ignoring the fact
that what happens first is your emotions come into play.
(29:49):
Your thoughts and your emotions work together and real time,
seconds and seconds every singlesecond, they're influencing the
decisions that you're making financially.
When you can acknowledge that, then you can begin to work with
it. And that's in my money coaching
certification that I'm in the process of right now.
Certifying coaches to learn how to do this with clients real
(30:09):
time, which is the emotional release work, which is the
breaking through generational patterns work so that you can
begin to work with your emotions, heal the things that
you need to heal. Work within your nervous system
so that you can then clean up and clear out any disease that
you have when it comes to your money.
If you're listening to Dave Ram's, if you're listening to
Caleb Hammer, you're listening to other kinds of financial
(30:31):
experts who don't get this. They're basically telling you
that you're fucked up and then it's your fault that you're
making the decisions that you'remaking financially.
And it's just not true because it's a it's a conglomeration of
generation after generation after generation generation
mindset that's inherited that you, you're listening to this,
are being charged with reversingand altering the course of
(30:54):
history for generations behind you and generations before you.
It is way emotional before it's mathematical.
Y'all way, way, way. You must lean into that
conversation. And then we have values based
spending, which is totally different than a traditional
budget. A traditional budget is going to
work with percentages. It's going to tell you the
(31:14):
604040 rule or the 8020 twenty rule. 80% of your money goes
here, 20% goes there, full stop.What I mean by stop budgeting, I
get this question all the time when I'm a guest for podcasts is
what does that mean? What is stop budgeting mean?
And also what does a budget meanto you?
And what budgeting means to me is that budgeting is trying to
(31:35):
control your every dollar, dollar and every cents, not
connected to your emotions, not connected to your values, not
connected to your priorities, but based on someone else's
framework of saying this is whatyou should do with your money.
And then you have a budgeting, like a budgeting app that tells
you that you you should only be spending $200 a week on
(31:56):
groceries, for example, And thenyou should only be spending $200
a week on gas. And then you only have $50 a
week for entertainment. It's very restrictive, It's very
line itemed, and it's also very in the rear view mirror because
when traditional budgeting, whenyou're traditionally budgeting,
you're saying, well, we're just we're planning on spending this
(32:18):
and then we're going to see how we did.
Which is different from values based spending, which is
aligning your money with what matters to you most first to
create your most authentic pathway to get there, which is
not following someone else's framework, which is way less
mechanical than you think it hasto be, which is putting money
(32:41):
into a spending account for spending purposes and enjoying
it, giving yourself permission to spend.
In my world, we spend time breaking these things down so
that on the other side of budgeting, we take the budget,
we throw it away. We talk about first what's most
important to you and what is thevision that you have for your
life. It's not that cash flow
(33:01):
management isn't important. I'm not saying that in any any
of my books or any of the work that I do.
The cash flow management and cash flow strategy and future
forecasting your cash flow is a totally different way of looking
at your money as it flows forward into the future.
Then just arbitrarily creating categories and trying to budget
(33:25):
thinking of that's going to be the solution to your financial
problems and woes. Because it's not.
Because there are a lot of reasons you have those financial
problems and woes and budgeting is not one of them.
OK, so stop trying to slap a budget onto the bigger problems.
And in this work, it takes time,it takes some digging, and it's
so, so worth it. Also, wealth and identity go
(33:48):
hand in hand. You're going to get more of the
same by subscribing to the identity that you have today, or
the identity that you have in your past, or the identity that
your family has. You're just going to get more of
the same. But if for those of you who are
here because you truly desire tohave wealth, first of all, you
need to, you need to define whatthat means for you and only you.
(34:09):
Not as defined by someone else, by a financial advisor, by a
financial pundit, by anyone else.
But what does wealth mean to youspecifically for you?
What does success mean to you specifically for you?
And then let's build a new identity around that.
Who is she? Who is she?
What is she up to in the world? What does she do on a daily
(34:31):
basis? What are the conversations that
she's having? True wealth is about who you
become, not just what you accumulate.
And if you can start in that conversation with your emotions,
with your values, with building a new identity for building
wealth, you're going to actuallybecome the woman that you
(34:52):
imagine becoming. You're not just tracking money
for the sake of tracking money. You're not just accumulating
wealth for the sake of accumulating wealth.
You're becoming the woman that you envision yourself being on
the planet today. And we need more of that in the
money industry and the money landscape.
OK, moving on. Just a few more things to talk
about in today's podcast episode.
(35:14):
I hope this has been valuable for you.
If it has, make sure you like and subscribe to this channel.
Share this out with someone. Have a conversation with another
woman that you know and love today.
Talk about the things that are working in your financial life.
Talk about the things that are not working in your financial
life. Let's keep the conversation
going now. Here's the new playbook for
wealth for women and for people on the planet today, Emotional
(35:37):
safety. We have to learn how to create
emotional safety. And guess what?
Emotional safety does not live in the numbers.
You cannot just say that by having $1,000,000 you're going
to feel safe, because for a lot of people, that's actually the
opposite. Emotional safety is by creating
a secure foundation where you can make clear, confident
financial decisions without fearor anxiety.
(35:59):
And that requires you to regulate your nervous system.
That requires you to heal from your past money wounds and
traumas. You're not really blocked from
having the future that you want.It's probably that you just
haven't clearly and successfullyidentified it and laid it out
for yourself. Aligned financial practices go
right into this new work, this new playbook for wealth, for
(36:21):
women, building money habits that reflect your values,
support your authentic vision for success.
This is a winning combination with emotional safety.
Buckle up, buttercup. If you have emotional safety and
then you have aligned financial practices, you're moving a new
direction. You're not looking in the
rearview mirror. You're not needing a budget.
Most people in my world stop budgeting.
(36:43):
They do track their money, they do look at the flow in and out,
but they're not so tight around it.
They're not trying to control it.
So much radical responsibility goes right into this new
playbook. I talk a lot about this in my
new book, Stop Budgeting, Start Living, but you've got to own
your financial power completely.If you are blaming someone else
for where you are in your life or whatever reason, you are not
(37:06):
in a responsible conversation and that is keeping you playing
small. That is keeping you stuck.
That is not putting you into a whole healthy, aligned and safe
conversation when it comes to your money.
No one's coming to save you financially.
No one's coming to save you in your life.
It is your job to do this movingforward and it's going to take
(37:27):
you being in a radically responsible conversation.
If you do not know how to do that, come to the wealth within.
I will teach you how to do that in my 4 day event, to shift from
victim, from blaming, from mindset.
And trust me, there's a lot of that in the financial world too.
In the financial landscape, in the government shutdown, we're
seeing it real time of people blaming the government for their
(37:49):
problems, people who are radically responsible for their
lives and their futures. Do not blame anyone, including
themselves. So stop blaming yourself.
Just do the healing work to release and let go and move
forward in a new future where you're feeling emotionally safe,
aligned in your financial practices, aligned in your
vision, in your purpose for life.
(38:11):
You're in a radically responsible conversation.
And here's the final piece. Community and sisterhood.
We are not meant to operate alone.
We are not meant to do this workalone with community and
sisterhood. And you are all doing this at
the same time, real time. That is how real change happens.
(38:31):
That's how it's changing in my world.
That's how it's happening in my world.
And when these things start to work together, life gets really
fun, possibilities open up, and you start to live a life that
you love, financially and otherwise.
That's a new playbook for women and for wealth.
Those things get to happen all together for women to bridge the
(38:53):
gap financially. We do it together, We do it with
love, so we rise together. When women support women, we all
rise. Your success creates permission
for others to succeed. There's nothing wrong with you
having financial success becauseyou give women permission to
succeed. Sisterhood matters.
There's data that backs us up. Bernie Brown's work backs this
(39:16):
up. There are Co regulation studies
that talk about women Co regulating together when it
comes to finances. How cool is that?
When we can get together? I know this happens in my world.
I've got my sisters. We get together, we talk about
money, we talk about life, we Coregulate, we support for each
other, we keep moving forward, we give each other high fives,
(39:38):
we tell each other we're awesome.
Yes go make that $1,000,000. Yes go make those multi
$1,000,000. Yes stretch outside your comfort
zone. Social support lowers coders all
and reduces stress and it speedsup recovery.
Social support, you need other people to support you.
You should not be on this journey alone.
We don't want you on this journey alone.
(39:59):
Let me land the plane today on in this conversation.
So I hope that this has been valuable.
I hope these statistics are supportive.
I hope that seeing this new paradigm into a feminine
paradigm of wealth is helpful. And I want to talk about how I
have redefined rich in my own life.
In order for us as women of the 21st century, in 2025 and
(40:21):
beyond, to have more, to be more, to be seen more, to be
hurt less, to be controlled less, in my opinion, we need to
redefine the word rich. Because the masculine definition
of rich is what more accumulation.
It's hurting all of us. The feminine definition of rich
(40:43):
for me is resilience, independence, confidence, and
happiness. What would your life look like
if you just have the courage to learn how to become resilient?
Bouncing back from setbacks withgrace, with wisdom, building
financial strength through everychallenge.
There will be challenges that you'll get stronger because of
them. There's no failure.
(41:05):
There's no more self doubt, there's no more shame.
There's no more guilt. That builds resiliency so that
we can keep going. We're independent.
We make choices from a place of freedom, not fear, with a
confidence to chart our own financial course.
We're confident, trusting our instincts and our abilities,
knowing we have what it takes tocreate lasting wealth for
(41:26):
ourselves and for others. And we're happy.
We're not stressed. We find joy in the journey.
We embrace wins and we create a life that feels as good as it
looks. That is my definition of rich.
Money grows when we grow, and itmatters that we are women.
It matters so much that we are women.
We are not built to abandon our bodies, ignore our rhythms, and
(41:49):
grind ourselves to prove that webelong.
It is time for a new paradigm. It is time for a female paradigm
when it comes to building wealth.
And I'm leading the charge. I'm Lisa Chastain, your host of
Real Money. I hope that this conversation
was powerful, it was supportive,and that you feel motivated with
some clarity on where to look. It's not in the rear view mirror
(42:09):
and it's not by budgeting. We can be real, we can be rich.
We can be in charge. And I hope that you enjoy
today's show. Share it out with someone that
you know, you love, and you trust.
Let's call other women forward into this conversation.
Let's breakthrough our glass ceilings.
Let's do this work together. Let's empower and inspire each
other to have more, to be more, to dream more.
(42:33):
Because the world needs more of that.
I'll see you next time.
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