Welcome to One Step Wealthier A podcast about money, mindset, and making your life work on your own terms. Every Sunday, I share honest reflections about investing, saving, and building a life of freedom—especially for women who are just starting out or feel like “finance isn’t for people like me.” I’m a qualified financial advisor and I’m also someone who’s figuring it all out, one step at a time—and sharing what I learn along the way. Expect straight talk, a few mistakes, and a lot of enco ...
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It all begins with savings and cash flow! Most people play the dangerous game of chasing after outrageous returns risking all their money in aggressive joint ventures, real estate, and the stock market. Stop what you're doing and LISTEN so we can show you how you really can enjoy today AND can have a way wealthier tomorrow.
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Are you a passionate champion of talent development? Looking to stay up to date on the latest chapter news, industry insights and trends? ATD Houston's 'Train To Win' is a fun and informative podcast featuring leaders in the talent development field. Join us as we work together to bridge the gaps between thought leaders and professionals who are eager to grow their skills. We understand how important it is to stay ahead in the popularly evolving world of talent development, that’s why our po ...
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Welcome to The Property Investor Playbook, your ultimate guide to building wealth through property investment. Hosted by Daniel Chadrawy and Lara Osborn, this podcast offers step-by-step insights into growing your financial portfolio through real estate. Join us as we bring you in-depth interviews with industry experts, successful investors, and everyday Australians on their journey to financial freedom. Learn from those who have successfully navigated the path to prosperity and gain invalua ...
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Is Money Evil? What You Really Believe Might Be Holding You Back
7:05
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7:05Is money really the root of all evil — or is that just an old belief we never questioned? In this episode, I explore how our childhood experiences shape our money mindset and how those hidden beliefs might be quietly sabotaging our financial goals. I reflect on a surprising comment from a colleague, the deeper meaning behind our discomfort with wea…
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Why I’m Glad I Didn't Invest in My 20s – Lessons From Die With Zero
9:43
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9:43In today’s episode, I share some reflections inspired by the book Die With Zero by Bill Perkins — and how it completely changed the way I think about money, investing, and life. Instead of regretting not investing in my 20s, I now see those years as a gift: a time when I invested in travel, experiences, and building “memory dividends” that are stil…
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Optionality Is the Real Goal (Not Early Retirement)
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7:33In this episode, I share a more honest reason I invest: not just to retire early, but to create options. Financial freedom isn’t about never working again—it’s about never having to do work that drains your soul just to pay rent. It’s the freedom to walk away from jobs that don’t align, to switch careers, to take a sabbatical, or to chase something…
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You Are Not Your Past: Why I Choose to Build, Not Dwell
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10:55I didn’t have the easiest childhood—violence, instability, substance abuse. But I’m not here to unpack it. I’m here to say: it happened, and I chose not to let it define me. In this episode, I talk about why I don’t lead with my trauma, how I process what happened without making it my identity, and why the victim mindset—though tempting—isn’t where…
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The Power of No-Spend Days: How Small Habits Are Funding My Freedom
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6:50In today's episode, I reflect on how no-spend days became a quiet but powerful part of my FIRE journey. Working over 60 hours this week made me realize again how these simple, intentional days — when I cycle to work, bring my own lunch, and avoid unnecessary spending — are buying back my future freedom. I talk about how these habits are not about b…
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One Hour a Day: The Small Habit That Can Transform Everything
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5:30What if you could shift the direction of your life with just one focused hour a day? In this episode, I talk about the power of using 60 minutes to work on yourself — whether it's learning a new skill, building a side project, or creating something meaningful like this podcast. I share how dedicating one hour daily helped me qualify as a financial …
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Why I’m Not Following the 4% Rule (And What I’m Doing Instead)
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12:36In the FIRE (Financial Independence, Retire Early) world, the 4% rule is treated like gospel. But what if that rule doesn’t fit your life? In this episode, I share why I’m choosing to challenge the conventional wisdom and take a more flexible approach to early retirement. I break down what the 4% rule is, why it was created, and why I’ve decided it…
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How to Jump Off the Hamster Wheel — One Investment at a Time
10:47
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10:47Are you stuck in a cycle of work, spend, repeat? In this episode of One Step Wealthier, I reflect on a conversation with coworkers that sparked a powerful reminder — you don’t have to stay on the hamster wheel forever. I share my personal journey of investing, saving, and designing a life that buys freedom instead of things. We’ll explore: Why earn…
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Are You Living According to Your Own Values?
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9:28In this episode, I explore the quiet but powerful idea that no one is living wrong — we’re all just living according to our values. I share how discovering that freedom is my top value helped me shape a life that’s simple, intentional, and happily single — even if it goes against what others expect. I also talk about the trap of chasing someone els…
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Routine Is Not Boring — It’s the Shortcut to Your Goals
10:58
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10:58In today’s episode, I challenge the idea that routine is boring or rigid. For me, routine is the exact opposite—it’s freedom. It’s the tool that helps me stay consistent with investing, exercising, eating well, and even waking up early, all without willpower or decision fatigue. Routine isn’t about being disciplined. It’s about removing friction fr…
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What If It’s All for Nothing? Creating Through the Valley of Despair
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14:02This isn’t a motivational pep talk. It’s an honest look into what it feels like when you're doing everything right—early mornings, consistency, discipline—and still, nothing seems to move. No recognition, no growth, no signs of progress. In this episode, I talk about being in the “valley of despair”—that painful middle space between starting and su…
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Slow Growth, Strong Roots: Why I’m Not Rushing Success
7:59
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7:59On Instagram, it can feel like everyone’s blowing up overnight — but real, lasting growth often looks a lot quieter. In this episode, I talk about: 🌳 Why fast success isn’t always strong success 🎋 The Chinese bamboo tree (and what it taught me about patience) 📉 Why my podcast growing slowly doesn’t mean it’s failing 📈 How I apply the same mindset t…
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Why I Almost Bought a Flat (and Why I’m Glad I Didn’t)
13:42
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13:42During the pandemic, I almost bought a flat. I had the cash, the pressure, the “get on the ladder” advice from everyone around me… and I nearly said yes. But something stopped me — and I’m so glad it did. In this episode, I share: Why I was convinced property was the way to build wealth What changed my mind about home ownership The freedom renting …
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Stop Acting Rich: Why Looking Wealthy Might Be Making You Broke
7:38
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7:38Do you ever feel like you're doing everything right — working hard, earning more — yet still struggling to get ahead? This episode is a wake-up call about the hidden trap of trying to "act rich" while sacrificing your actual future wealth. I talk about: Why relying on a state pension is risky at best The difference between spending money and having…
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Rest Is Productive (Even When It Feels Like It’s Not)
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8:14In this episode, I talk about something I’m still learning myself: how to rest without guilt. I share a personal story about almost working 14 days in a row (again) and what made me stop mid-email. I’ve always believed that more work equals more worth — and it’s a belief I’m actively unlearning. This is an episode for anyone who feels the urge to f…
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Freedom Comes From Needing Less — Not From Having More
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6:55In this episode of One Step Wealthier, I explore why true financial freedom isn't about endless earning — it's about needing less. I share a parable of two brothers, one a royal advisor and the other a monk, to illustrate the balance between ambition and contentment. Drawing from my own experience working hourly jobs and building toward independenc…
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The Job I Didn't Get (and Why It Set Me Free)
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12:51In this week’s reflective episode, I talk about the rejection that turned out to be a blessing in disguise. After going through a six-stage recruitment process for a financial advisory firm, I was devastated to be turned down — but in hindsight, it saved me from a career that would have clashed deeply with my core values. I share my experience, my …
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Am I Dreaming Small – or Dreaming Real? Navigating Income Limits & Integrity
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11:37
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11:37Is earning more always the answer? This week, I reflect on a powerful conversation with friends about raising income vs. cutting spending — and share why I’ve chosen a different path. My income isn’t scalable right now, and instead of chasing more hours or higher pay at any cost, I’ve chosen peace of mind, low expenses, and integrity. 🎧 Quick heads…
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Introvert Burnout: Why I Need a Day Alone to Function
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10:14For years, I thought I was an extrovert. I love chatting with people, I’m never shy in social settings, and I’m often the one starting conversations. But here’s the twist — after a day full of social interaction, I feel completely drained. In this episode, I share how I discovered I’m actually an ambivert and how working in a people-facing job left…
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You don’t need a six-figure salary to build wealth — just patience, consistency, and a plan. In this episode, I share how I’ve built financial security through minimum-wage jobs, consistent investing, and choosing peace of mind over hustle. If you’re not earning more yet, this one’s for you. 💸 How small amounts can add up to real freedom 🧠 Why you …
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What Wealth Means to Me Now (and How It Changed Over Time)
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9:15In today’s episode, I share how my definition of wealth has evolved over the years — from growing up in a communist country, to chasing validation through travel, to finally discovering that true wealth means time, health, freedom, and peace. I talk about how minimalism, quiet mornings, and working on passion projects like this podcast became my ne…
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In today’s episode of One Step Wealthier, I talk about why I chose a simple, low-stress job over chasing titles or corporate recognition. I work as a receptionist—not because it’s my “dream job,” but because it gives me what I actually need: time, energy, and mental space to build my own dreams. I share why I’m not trying to turn my passion into a …
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Unlocking Your Growth Potential with Joni Goodman
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28:45Join ATD Houston President-Elect Carol Jennings and Chapter Sponsor Joni Goodman on "Train to Win" as they explore unconventional paths to growth, courageous breakthroughs, building self-trust, the power of reflection, and the superpower of emotional intelligence in leadership, life, and love. Tune in to unlock your full potential!…
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In this episode of One Step Wealthier, I share what recent market volatility taught me about diversification and emotional peace of mind. We dive into the concept of negatively correlated assets — what they are, why they matter, and how they’ve helped me feel more secure with my investments. 💡 Topics we cover: What are negatively correlated assets?…
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Loneliness vs. Solitude: Learning to Like Being Alone
8:41
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8:41This episode started quietly—with a glass of wine and an evening alone—and turned into something deeper. I talk about the difference between loneliness and solitude, and how I went from craving connection to finding peace in my own company. From a party-filled life in my 20s to cycling solo through the Australian outback (and crying on the side of …
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Invest in Your Health: Energy Is Your Most Valuable Asset
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9:57In this episode, I share a deeply personal reflection sparked by a recent health scare. It wasn’t serious, but it made me stop and really consider how I spend my time, energy, and focus — and how often we overlook the most important investment we can make: our own health. You’ll hear about: Why energy is a resource worth protecting The real ROI of …
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Why Saving Alone Won’t Make You Rich: The Missing Piece I Wish I Knew Sooner
10:45
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10:45In this episode of One Step Wealthier, I open up about a big realization I had on my FIRE journey—saving money, even on a low income, isn't enough. I share how I used to feel like a master saver, tucking away money even during call center jobs, only to find out that savings alone won’t build long-term wealth. We’ll talk about inflation (yes, the sn…
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In this raw and real episode, I talk through all the jobs—yes, all of them—that helped me stay on track with my FIRE (Financial Independence, Retire Early) journey. From translation dreams crushed by reality, to countless call centers, barista gigs, flyer-handing, NGO fundraising, NHS interpreting, cat sitting, and finally landing in security—I’ve …
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The Two-Faced Two-Step: with Alise Isbell and Carol Jennings
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29:56In "The Two-Faced Two-Step" episode of the "Train to Win" podcast, host Carol Jennings and guest Alise Isbell unmask subtle workplace manipulation tactics. They explore behaviors like withholding information, playing dumb, and fake transparency, offering practical solutions for fostering healthier work environments. This episode equips listeners wi…
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FIRE on a Low Income: Why It’s Still for Me (Even as a SINK, Not a DINK)
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10:52Think financial independence is only for tech bros and high-earning couples? Think again. In this episode, I talk about pursuing FIRE (Financial Independence, Retire Early) on a modest income—on my own, living in London, without six-figure earnings or a partner to split bills with. I'm what you'd call a SINK: Single Income, No Kids. I cover: Why FI…
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Find Your Why: The Real Key to Investing and Personal Growth
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8:13In this episode of One Step Wealthier, I share the biggest lesson from a recent talk I gave to a group of women eager to invest—your 'why' matters more than the 'how'. Whether it's financial independence, personal freedom, or supporting loved ones, your motivation is the real engine behind consistent saving, investing, and personal growth. I dive i…
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Sailing from Vanuatu to Australia: What It Taught Me About Risk, Money and Freedom
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12:43This episode wasn’t planned—but life rarely is. A single email this morning pulled me back to 2018, to the middle of the Pacific Ocean, on a yacht I had no business being on. With no sailing experience, not much swimming confidence, and a head full of doubts, I joined a 70-something New Zealander named Peter Mortimer on a voyage from Vanuatu to Aus…
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You Don’t Need to Be an Expert to Start Investing
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14:50Ten years ago, investing felt like a secret language spoken only by men in suits. In this episode, I’m talking to the version of me that was too intimidated to even start—and to anyone else who thinks they’re not smart enough, too late, or not “finance-y” enough to invest. This one’s especially for women who’ve been told money isn’t their thing. (S…
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My Very First Steps Into Investing (and the Mistakes I Made)
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19:16In this episode, I take you all the way back to where my investing journey began. Spoiler: it wasn’t glamorous — it involved peer-to-peer lending platforms, random gold purchases, and a lot of confusion. I didn’t grow up around people who invested, and everything I know now was self-taught, often through trial and error. I talk about: How I started…
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In this episode, I reflect on what it feels like when everyone around you seems to be checking off life milestones—weddings, babies, "proper" jobs—and you're walking a completely different path. My best friend is getting married soon, and it brought up a lot. I talk about choosing freedom over expectations, solitude over convention, and how fulfill…
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How Much Money I Make While I Sleep (And Why It Matters More Than You Think)
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6:50In this episode, I talk about something I find incredibly exciting—earning money while I sleep. Recently, I went on a two-week trip and realized that my investments quietly covered the whole thing. Food, hostels, beer, everything. That’s when it hit me: I could technically live off my “sleep money.” I’ll walk you through what that means, why it’s n…
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Lifestyle Deflation: Why Having Less Made Me Feel Richer
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9:41Last week, I talked about lifestyle inflation — the sneaky way our spending rises with our income. This week, I’m flipping that idea on its head with something I call lifestyle deflation. In this episode, I share how simplifying my life, working a low-pressure job, and hiking solo through the muddy wilds of Scotland taught me to appreciate real fre…
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30 Euros for Underwear?! My Tale of Lifestyle Inflation
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6:28Have you ever caught yourself spending way more than you used to on basic items—like underwear—and wondered, "How did I get here?" In this episode, I dive into my personal experience with lifestyle inflation, sharing how easy it is to let spending creep upwards as your income grows. Tune in to discover: Simple strategies to recognize and control li…
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In this episode, I share an honest observation that started in an airport queue—with a woman holding a printed chart of gold prices. From airport lounges to village bars, it seems like everyone suddenly has an opinion on gold. Why does this happen? And what does it really mean when an asset like gold becomes the center of casual conversation? I exp…
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In this episode, I share a very honest update about why I’ve decided not to pursue a traditional financial advisor role—for now. From studying for my diploma while working full-time, to realizing some roles don’t align with my values or lifestyle, it’s been a ride. I talk about the pressures, the pivot, and what’s next. If you've ever doubted your …
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ATD Houston's Elizbeth Agustin sits down with Kim Sawyer, host of the upcoming webinar designed for anyone ready to live life masterfully—no matter their career stage or life path. Kim introduces a powerful paradigm shift: what if you approached every moment of your life like an investor approaches their financial portfolio? His WOW! Program provid…
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Transform Your Financial Future: Mastering Property Investment Strategies with Build Now, Pay Later - The Property Investor Playbook
26:46
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26:46Unlock the secrets of property investment with Josh from HomePay and Rob from Luxton Homes, as they unveil strategies that could transform your financial future. Discover how HomePay's innovative platform leverages rebates and grants to make property ownership accessible, even in high-priced markets. Whether you're a first-time buyer or a seasoned …
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Decoding the Refinancing Puzzle: Strategies for a Wealthier Tomorrow - The Property Investor Playbook
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22:17Get ready to unravel the complexities of refinancing as we welcome Jeffrey Eskaff from Liviti Finance, a true expert in the field. Have you ever wondered why refinancing is becoming a hot topic, especially with interest rates on the rise? We promise you'll walk away from this episode with actionable strategies to secure lower interest rates or extr…
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Planning Ahead For Wealthy Retirement With SMSF Strategies - The Property Investor Playbook
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36:44Unlock the secrets of successful property investment through Self-Managed Super Funds (SMSFs) with our expert guest, George from Blue Rock. In this enlightening episode of the Property Investor Playbook, we uncover the growing trend of using SMSFs for property investment and explore the significant differences between traditional super funds and SM…
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Unlocking AI's Potential In Real Estate With The Property Hit Man - A Smart Investment Guide - The Property Investor Playbook
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34:27Ever wondered how AI could revolutionise your property investment strategy? Join us as we sit down with Dax Stanley, the "Property Hit Man" and bestselling author, to unlock the secrets of combining artificial intelligence with real estate. Dax shares his inspiring journey from building a formidable property portfolio to guiding others toward finan…
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Unlocking The Power of Home Equity For Smart Investments - The Property Investor Playbook
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24:00Unlock the power of your home equity and learn how to make it work for you! Ever wondered how to turn the value of your home into a stepping stone for future investments? Join us in this episode of The Property Investor Playbook as Lara and Daniel demystify the concept of equity, breaking down the crucial differences between general and usable equi…
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Get Into the Property Market with $10K: Opportunities for New Buyers in Tough Markets - The Property Investor Playbook
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39:51Ever wondered how to expedite your home-building process while securing valuable incentives? This episode of the Property Investor Playbook features an enlightening conversation with Renato Tartaglia, the visionary director of Verv Group, Melbourne's top medium-density builder. Renato's innovative strategies are revolutionising home-building, from …
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From 29 Properties to Co-Living Success: A Journey Through Near Bankruptcy and Investment Mastery - The Property Investor Playbook
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44:58Ever wondered what it takes to build an impressive property portfolio while jet-setting around the globe? Tune in as we sit down with Andre Knott, a seasoned property investor who has owned 29 properties and currently holds six. Andre shares his remarkable journey, including the highs and lows of the property market, and the invaluable lessons he's…
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From Bridesmaid Blunders to Property Prodigy - Paris' Blueprint for First Home Buyer Success - The Property Investor Playbook
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28:52Ever wondered how a 26-year-old finance whiz is making waves in the property investment world? Paris joins us in this episode to share her incredible journey, from her mother’s sage advice to leveraging government grants to secure her first property. We kick things off with a hilarious "Fast Five" game where Paris spills on her biggest achievements…
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In this week’s One Step Wealthier podcast episode, we explore how overcoming obstacles makes us stronger. Join me and over 35 million users who love Revolut. Sign up with my link below: https://revolut.com/referral/?referral-code=kristi22a5!FEB2-24-AR I use Wise to send money abroad. Really easy and a lot cheaper than the bank! Give it a try with a…
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