Women have spent generations being told—directly or indirectly—that financial security will eventually come from somewhere else.

A husband will provide.

A job will take care of retirement.

The government will maintain the programs we depend on.

A system designed largely without women in mind will somehow protect us when we need it most.

But what happens when those systems change, fall short or disappear?

In this episode, I’m having an honest conversation about why women cannot afford to wait for a man—or any outside system—to rescue us financially.

This is not an anti-marriage message.

You can love being provided for. You can appreciate a supportive husband, employer benefits and government programs. You can build a beautiful life in partnership with someone else.

But receiving support is not the same as surrendering your financial agency.

Every woman deserves to know:

• What money and accounts she has access to
• What she personally owns
• How her household earns, saves and invests
• What is inside the family’s retirement accounts
• How to make financial decisions if circumstances change
• How to build assets in her own name
• How to create options for her future

Financial independence does not mean rejecting love, marriage, community or support.

It means knowing that you have the knowledge, skills and resources to participate in your own financial life—and that you will know what to do if you ever have to stand on your own.

We’re also discussing why independence does not require women to recreate the same exhausting systems that have already burned so many of us out.

You do not have to prove your independence by working every available hour, carrying every responsibility alone or building wealth through constant labor.

A more sustainable approach can include using some of the money you earn to acquire assets.

Investing gives your money the potential to grow without requiring you to sell another hour of your time for every dollar. That does not make investing effortless, risk-free or an instant source of passive income. It requires capital, education, patience and time.

But it introduces women to a powerful question:

Instead of only asking, “How can I work more?” what can I learn to own?

Feminine financial power is not passive.

It is informed, intentional, strategic and rooted in the belief that women deserve both support and agency.

HER EXIT PLAN helps beginner women move beyond random stock tips and begin following an organized process for researching potential investments, understanding businesses, evaluating dividends and identifying risks.

Learn more:
https://shesworthy.org

HER WEALTH PLAN is my 30-day, one-on-one coaching experience for women who want help identifying their financial priorities, organizing what they know and creating a personalized 90-day action plan.

Apply here:
https://docs.google.com/forms/d/e/1FAIpQLSdVOhsac2Ss6omqYIqXHPY5ZmOHHuxvn8uRJnWa5QBbL7q3kQ/viewform

Follow me on Instagram and TikTok:
@iamjlthomas

You do not have to wait for someone else to decide that your future is worth protecting.

You can begin learning, researching and building for yourself now. 🤎

For educational purposes only. This episode and the resources mentioned do not provide individualized investment, tax or legal advice or guarantee financial results. Investing involves risk, including possible loss of principal.

Learn to research investments with HER EXIT PLANApply for private support through HER WEALTH PLAN

Retirement can feel so far away that it becomes easy to say, “I’ll focus on that later.”

But waiting until retirement is right around the corner can leave you with less time to contribute, learn and allow your investments to grow.

I started investing for retirement in my early 20s. Now, as I approach 35, I’m increasing my focus because I want to know that I’m actively building toward the future I envision.

In this episode, I’m sharing:

• Why retirement planning needs to begin before it feels urgent
• What I did in my early 20s to get started
• Why I’m increasing my retirement contributions now
• How I use my Roth IRA as part of my retirement strategy
• Why an employer retirement plan should not be your entire plan
• Why you need to understand what your retirement accounts actually own
• How consistency can matter more than waiting for the “perfect” amount
• Why market fluctuations shouldn’t be the only thing guiding your decisions

Starting early doesn’t mean you have to do everything perfectly.

It means giving yourself more time to learn, adjust and build.

Your future self should not receive whatever money happens to be left over. She deserves to be included in the financial decisions you’re making today.

HER EXIT PLAN gives beginner women an organized process for researching potential investments, understanding what they’re considering and documenting why an investment may—or may not—belong on their watchlist.

Learn more:
https://shesworthy.org

If you need help identifying your financial priorities, organizing what you know and creating realistic next steps, apply for my private 30-day coaching experience.

Apply here:
https://docs.google.com/forms/d/e/1FAIpQLSdVOhsac2Ss6omqYIqXHPY5ZmOHHuxvn8uRJnWa5QBbL7q3kQ/viewform

You do not have to wait until retirement feels close to start taking it seriously.

Start where you are—and give your money time to support where you want to go. 🤎

For educational purposes only. This episode and the resources mentioned do not provide individualized investment, tax or legal advice or guarantee financial results.

Learn how to research investments with HER EXIT PLANApply for one-on-one support through HER WEALTH PLAN

Women are entering a financial era that we need to be prepared for.

Through inheritance, business ownership, increased earning power and control over household assets, more women will have access to significant amounts of money. Women will also influence where that money goes by investing, building businesses, hiring service providers and purchasing from other women.

But having access to money and knowing how to manage, invest and protect it are not the same thing.

In this episode, I’m discussing:

• What the Great Wealth Transfer could mean for women
• Why financial literacy must accompany financial access
• The difference between receiving money and knowing how to manage it
• Why wives and mothers should understand their household finances
• How investing can help women move from earning income to building ownership
• Why now is the time to develop a financial process

Women are not only positioned to inherit wealth. We are positioned to build businesses, own assets, employ people and influence how wealth moves through our families and communities.

The question is: Will we be prepared to manage that responsibility well?

Join the free $25 Investing Challenge:
https://www.facebook.com/groups/25investingchallenge

Download my free beginner investing guide:
https://shesworthy.org/guide

Explore HER EXIT PLAN:
https://shesworthy.org

HER EXIT PLAN gives beginner women an organized process for researching potential investments and making more informed decisions without depending on random stock tips.

Apply for one-on-one support through HER WEALTH PLAN:
https://docs.google.com/forms/d/e/1FAIpQLSdVOhsac2Ss6omqYIqXHPY5ZmOHHuxvn8uRJnWa5QBbL7q3kQ/viewform

HER WEALTH PLAN is my private 30-day coaching experience for women who want help identifying their financial priorities, organizing what they know and creating a personalized 90-day action plan.

Start preparing now to understand, manage and use your money intentionally. 🤎

Moms spend so much time building a secure future for everyone else.

We think about college funds, savings accounts, life insurance, family expenses and giving our children opportunities we may not have had. All of that matters—but you are going to have a future too.

In this episode, we’re talking about why caring for your children should not require financially neglecting yourself. You deserve retirement savings, investments, financial knowledge, assets of your own and a clear understanding of what your family owns.

We’ll discuss:

• Why financial self-care is part of caring for your family
• How motherhood can cause women to deprioritize their own futures
• Why building assets for yourself does not take anything away from your children
• The difference between earning money and creating ownership
• What every mom should understand about her retirement and investments
• How to begin taking realistic financial steps—even if you’re starting small
• The financial example your children receive when they watch you learn, plan and build

One of the greatest financial gifts you can give your children is becoming a woman who knows how to build, manage and protect wealth.

Build for your babies—but please don’t forget to build for the woman raising them.

Ready to learn how to research investments?

HER EXIT PLAN gives beginner women an organized system for researching stocks, ETFs and dividends. You’ll receive a step-by-step process, fillable Stock Research Card, research dashboard, watchlist, Before I Invest Checklist and other tools designed to help you understand what you’re considering—not blindly copy someone else’s stock picks.

Learn more about HER EXIT PLAN at:
https://shesworthy.org

Need personalized support and accountability?

HER WEALTH PLAN is my 30-day, one-on-one coaching experience for women who have financial information but need help deciding what to prioritize and turning that knowledge into realistic action. You’ll receive two private coaching sessions, support between sessions, a guided wealth-building playbook and a personalized 90-day action plan.

Apply for HER WEALTH PLAN here:
https://docs.google.com/forms/d/e/1FAIpQLSdVOhsac2Ss6omqYIqXHPY5ZmOHHuxvn8uRJnWa5QBbL7q3kQ/viewform

For educational purposes only. This episode, HER EXIT PLAN and HER WEALTH PLAN do not provide individualized investment, tax or legal advice or guarantee financial results. Investing involves risk, including the possible loss of principal.

Do you keep telling yourself that you’ll start investing when you have more money?

In this episode, I’m introducing the free $25 Investing Challenge—a beginner-friendly experience designed to help women stop waiting for the “perfect” amount and start learning how investing actually works.

https://www.facebook.com/groups/25investingchallenge

Let’s be clear: investing $25 will not create enormous passive income next month. Your earliest returns may look more like knowledge, consistency, experience and the confidence that comes from finally understanding what you’re doing.

During the challenge, we’ll explore:

• How to determine whether you’re financially ready to invest
• Why your immediate needs and emergency savings come first
• How brokerage accounts and fractional shares work
• The difference between ETFs and individual stocks
• What to research before purchasing an investment
• How to document your decisions and build consistency
• Why starting small can help you prepare to manage larger amounts responsibly

The purpose of this challenge is not to hand you a random stock pick or promise overnight wealth. It is to help you take an informed first step and begin thinking like an owner.

If you complete the challenge and realize that you’re ready for a complete investment-research process, HER EXIT PLAN can help you continue. It includes a step-by-step research system, fillable Stock Research Card, research dashboard, watchlist, Before I Invest Checklist and portfolio-planning tools.

Join the free $25 Investing Challenge through the link in the episode notes, and explore HER EXIT PLAN at https://shesworthy.org.

Start small. Learn the process. Build ownership. 🤎

For educational purposes only. This challenge does not provide individualized investment, tax or legal advice, recommend specific investments or guarantee financial results. Investing involves risk, including the possible loss of principal.

Are you tired of giving your best time, energy and ideas to corporate America—only to feel as though your paycheck is the only thing keeping you there?

You may be doing everything you were taught to do: working hard, earning promotions, meeting deadlines and building a successful career. But if all of your financial security depends on your ability to keep working, your job may be providing income without creating the freedom or flexibility you truly want.

In this episode, we’re discussing why investing should be part of your long-term exit plan.

This is not about recklessly quitting your job, chasing overnight wealth or expecting the stock market to replace your paycheck next month. It is about using a portion of the income you earn today to begin acquiring assets that can support your future.

We’ll talk about:

• The difference between earning income and owning assets
• Why working harder is not always the answer to financial exhaustion
• How investing can help you turn today’s paycheck into future options
• Why women need financial assets of their own—even within healthy marriages
• The danger of waiting until you are completely burned out to create another plan
• Why you should understand the businesses, funds and accounts you own
• How to begin investing without depending on random stock tips
• The shift from asking, “What else can I do?” to “What can I own?”

Your job does not have to be the enemy.

In fact, your paycheck can become one of the tools that funds your plan. But your salary should not be your only plan, and corporate America should not be the only place where your money is working.

If you are ready to stop collecting random investing information and start following an organized research process, explore HER EXIT PLAN.

HER EXIT PLAN was created to help beginner women identify investments to research, understand what they are considering and organize their decisions with greater clarity. Inside, you’ll receive a step-by-step research process, investment ideas to investigate, a fillable Stock Research Card, research dashboard, watchlist, Before I Invest Checklist and portfolio-planning tools.

You are not purchasing secret stock picks or someone else’s certainty.

You are learning how to research, understand and take greater ownership of your financial future.

Learn. Research. Own.

Start building your HER EXIT PLAN today through the link in the episode notes.

https://shesworthy.org

For educational purposes only. Nothing in this episode or HER EXIT PLAN constitutes individualized financial, tax or legal advice. Investing involves risk, including the possible loss of principal.

🎙️ What I Would Do If I Had to Start Investing From Scratch Today

If I woke up tomorrow and had to start my entire investing journey over again—with no portfolio, no watchlist, and no idea which stock to buy first—here’s exactly where I’d begin.

And spoiler: I wouldn’t wait until I had thousands of dollars. 👀

In this episode of The Money Goddess Podcast, I’m walking you through the first steps I’d take if I were a complete beginner today.

We’re talking about:

💰 What I would do with my first $25, $50, or $100
📱 How I’d choose and open a brokerage account
📊 Why I’d learn about ETFs before trying to pick a bunch of individual stocks
💸 How dividend stocks fit into my long-term investing strategy
🔎 What I’d research before buying an investment
🚩 Beginner mistakes I would avoid if I could start over
📅 Why investing small amounts consistently can matter more than waiting for the “perfect” time
🧠 Why I wouldn’t wait until investing completely made sense before I started learning

One of the biggest misconceptions I hear from wives and stay-at-home moms is:

“I’ll start investing when I have more money.”

But you don't need thousands of dollars just to begin learning how investing works.

If I were starting over, my goal wouldn't be to find the stock that's going to make me rich overnight.

I'd focus on becoming a better owner and researcher.

Because investing isn't about knowing everything before you begin.

It's about learning how to make informed decisions, staying consistent, understanding the risks you're taking, and giving your long-term strategy time to work.

If you're still thinking, “Jasmine, I don't even know where to begin,” download my FREE Stay-at-Home Mom Passive Income Starter Guide.

It's designed to give wives and moms a beginner-friendly starting point for learning about investing and income-producing assets.

Get the FREE Stay-at-Home Mom Passive Income Starter Guide

Once you understand the basics, the next question is usually:

“Okay... but which companies should I research?”

That's why I created the HER EXIT PLAN Stock List.

It gives you a starting point for researching dividend-focused companies without opening your brokerage app and staring at thousands of stocks wondering what the heck you're supposed to look at. 😂

It's an educational research resource—not a promise of returns or a substitute for doing your own due diligence.

Explore HER EXIT PLAN Stock List

If you'd like to explore the brokerage platform I use, you can check out Robinhood here:

Explore Robinhood with my referral link

Affiliate/referral disclosure: I may receive compensation or another benefit if you sign up or fund an account through my referral link. Review Robinhood's current terms, fees, risks, and disclosures before deciding whether it's right for you.

If you had $25 to begin learning how to invest today, what would be your biggest question?

A) What brokerage account should I use?
B) What should I invest in?
C) How do I research a stock?
D) What's an ETF?
E) I'm scared of losing money.

Tell me your letter via Instagram, Facebook or TikTok (@iamjlthomas) —Your answers may become future episodes. 🤎

And if you know another wife or mom who's been saying “I want to invest, but I don't know where to start,” send her this episode.

Disclaimer: This episode is for educational purposes only and isn't individualized financial, investment, tax, or legal advice. Investing involves risk, including the potential loss of principal. Dividends aren't guaranteed, and companies can reduce or eliminate them.