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To our wonderful community... it's the end of an era. After six years, 191 episodes, 26 live events, and 20k+ incredible community members, we've recorded the final episode of So Invested (for now). When we started this podcast, we hoped it would make investing and money conversations feel a little less intimidating. What we never imagined was how much it would come to mean... We've watched women make their first investment. Walk away from jobs and relationships that no longer served them. Start businesses. Buy their first homes. Ask for a pay rise. Build wealth. Take control of their finances. Getting to be a tiny part of those moments has been the greatest privilege. To everyone who listened, shared an episode, came to an event, joined us on the podcast, sent us a message, trusted us with your money questions, or simply cheered us on from afar - thank you. You made So Invested what it became. We’ll be FOREVER grateful. There are not enough words to describe how much you mean to us. From the bottom of our hearts... Thank you for being So Invested. 🧡

One of the all time debates over the past couple of years has been, is AI going to take our jobs? But we are ever the optimists and think that it will only enhance, BUT there are some skills you should be focusing on to stay relevant. In this episode, we’re unpacking the six skills we’re intentionally investing in to stay valuable in the age of AI. We talk about: ✨ The six skills we believe will matter most in an AI-driven world ✨ Why AI literacy is quickly becoming as essential as basic digital skills ✨ Why taste, judgement, and critical thinking are becoming competitive advantages ✨ Practical ways to develop creative thinking and original ideas in a world of infinite content ✨ Specific tools, resources, and habits we’re using to sharpen our AI skills right now If you’ve been feeling equal parts curious and slightly intimidated by AI, this episode will give you tangible ways to start building skills that compound. Other resources ⁠Six HBR AI courses⁠ Find us on ⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠ or ⁠⁠⁠⁠⁠⁠TikTok⁠⁠⁠⁠⁠⁠, and if you haven’t already, hit follow in your podcast app - it genuinely helps our small business grow. We hope you’re So Invested 🧡

We've become more and more certain on one thing - mindset is everything. In business, in your career, in your life… it’s the difference between feeling stuck and actually growing. In this episode, we’re sharing the 7 lessons we’re taking into 2026: the ones that are shaping how we work, make decisions, and back ourselves. So we are discussing the small mindset shifts that quietly compound and how we are actually implementing these into our daily life (and how you could too!). Find us on ⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠ or ⁠⁠⁠⁠⁠⁠TikTok⁠⁠⁠⁠⁠⁠, and if you haven’t already, hit follow in your podcast app - it genuinely helps our small business grow. This episode is brought to you by Up — sign up using our code SoInvested20 and you’ll get $20 in your account. We hope you’re So Invested 🧡

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

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

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

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

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

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

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

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

Welcome to Backbone: a four-part mini series all about the financial backbone of building a business, side hustle, or freelance career. We talk endlessly about the exciting parts of building something - the idea, the creativity, the passion, the momentum. But behind the scenes, it’s often the money side that feels confusing, intimidating, or easy to avoid. And more often than not, businesses fail because the financials were ignored. There’s a huge gap in how openly we talk about money as founders. The messy bits. The avoidance. The “I’ll deal with it later” moments. This series is about closing that gap and helping you build confidence with your numbers. Episode one starts with the foundation: accountability. Not outsourcing responsibility, but learning to work alongside experts and developing the mindset that you need to understand what’s happening with the money in your business. In this episode, we cover: What an accountability mindset really meansThe common barriers that stop founders from taking control of their financesHow to shift from pure creativity into commercialPractical, realistic ways to build money check-ins into your routineIf you hear us mention the Money Type Quiz, you can find it here: Money Type Quiz And if you hear us yapping about finding new communities that support you, we recommend Butter App This episode is brought to you by Notion - and by far one of our favourite tools, Notion Agent. Notion Agent is fundamentally different from typical AI tools. Instead of just suggesting or chatting, it completes tasks end-to-end, turning days of manual work into minutes. It acts like a Notion super user that understands your workspace, your working style, and how you like things done - helping you stay organised, clear, and accountable as you build. Let Notion Agent do the heavy lifting for you at ⁠Notion.⁠

We're backkkk! And we have a life update for you!!! It's our first time recording from different places in years, so we discuss why Soph is taking a deliberate pause to rethink her next chapter. The next eight weeks is all about taking you behind the scenes of how we’re setting ourselves up for the year ahead - money-wise, life-wise, all of it. And step one is about zooming out.... You can think of this as our vision board episode. We unpack: ✨ Why you need a starting point before you set goals ✨ How to audit your life across work, money, relationships, health, fun, and rest ✨ The questions that help you land on what’s actually true for you right now ✨ Why money without a “why” feels empty ✨ And how to build a modern vision board, not a Pinterest board This episode lays the foundation for everything that comes next. Find us on Instagram or TikTok, and if you haven’t already, hit follow in your podcast app (it really helps our small business grow). We hope you’re So Invested 🧡 Article: Are you in tune with you life's season? This episode was brought to you by Up, sign up today using our code SoInvested20 and get $20 in your account.

For our final episode of 2025! We’re closing out the year the only way we know how - with a very honest chat about what actually happened in 2025. From career pivots to money mindset shifts, moments of growth and challenges - we reflect on what we learned, what we’re letting go of, and what we want to bring into 2026. This episode is part reflection, part therapy session, and part goal-setting ritual. We also share the exact Year in Review questions we answered on mic, so you can do your own reflection (linked here ✨). Find us on Instagram or TikTok, and if you haven’t already, hit follow in your podcast app (it really helps our small business grow). We hope you’re So Invested.

Are you feeling stuck in your job but also overwhelmed at the thought of finding something new? We have been having so many of these conversations with friends so it got us thinking - let's create a playbook, using AI (so it takes out a lot of the brunt work) to land your dream job come the new year. So in this episode, we’re breaking down a six-week playbook to help you prepare, explore, and land your next role - from figuring out what excites you, to networking, to polishing your resume and actually applying. Basically, we’ve taken all the WhatsApp notes, voice memos, and AI tools we’ve been playing with, and put it into one episode for you. This week, we cover: How to define your values, lifestyle goals, and dream work in a way that’s realistic but exciting Tools you can use to remove friction from the job hunt process A week-by-week structure that incrementally builds so the process doesn't feel overwhelming By the end of this episode, you’ll have a clear roadmap so that by January you can hit the job market feeling prepared, confident, and energised. Use the following template, linked here for all the prompts you need for this six week playbook. As always, find us on Instagram or TikTok and if you haven’t already, hit follow in your podcast app - it really helps our small business grow. We hope you’re So Invested.