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Most women know they should invest.

They just don't know where to start.

So they wait.

And waiting is the most expensive thing you'll ever do.

I know — because I spent over a decade managing billions for the ultra-wealthy.

And what I saw over and over again?

The gap isn't knowledge. It's the story you're telling yourself.

Here's what stopped my clients cold when I said it:

"By age seven, your money mindset is already formed."

Everything you believe about money — scarcity, fear, 'I can't afford it' — was decided before you even started school.

And it's quietly running your financial life right now.

But here's what I also know:

It can be unlearned.

In this episode, I'm sharing the exact four-step framework I built from everything I learned in wealth management — so you can finally stop feeling overwhelmed and start building real wealth.

We talk about:

→ The one mindset shift that changes everything

→ Why "I want to save more" will change absolutely nothing

→ The bucket strategy I use myself to manage wealth across countries and currencies

→ Why timing the market is the wrong game entirely

→ The 4 steps to go from paralysed to actually invested

And yes — I made you a free workbook to go with it.

30 minutes. Four steps. No excuses left.

"The best time to start was 20 years ago.

The second best time is today."

Get the free investing for kids workbook and set them up for financial success: https://herfinancialfreedom.net/investing-for-kids

What if your child could have a down payment for their first home — by the time they're 18?

Not by inheritance.

Not by luck.

By €100 a month. Starting today.

That's exactly what this episode is about.

A complete step-by-step guide on how to start investing for your kids — even if you've never done it before, even if you start with €20, and even if your child was born yesterday.

Because here's the numbers:

Invest €100/month from the day your child is born at an average return of 7% —

You put in €21,600 of your own money.

They receive over €42,000 at 18.

That's compound interest.

Einstein called it the 8th wonder of the world.

And it works exactly the same for your child's future.

When my niece was born, I did exactly what I tell my clients to do.

I forced my brother to open a brokerage account in her name.

Wired the first €500 myself.

And before she could even walk — she was already investing.

In this episode, I walk you through the full 6-step framework:

→ Set the goal — first home, education, first car? Put a real number on it.

→ Choose the right account — Junior Depot, custodial accounts, what to look for

→ Build the right portfolio — how your time horizon changes everything

→ Invest regularly — small amounts, automated, that you won't even feel

→ Educate them — it's not just the interest that compounds. It's the mindset.

→ Monitor, don't obsess — studies show the best-performing investor group is dead people. They just left the money alone.

Plus the platforms I actually recommend.

The best time to start was the day they were born.

The second best time is today.

Join 3,000+ women getting the market insights Wall Street charges thousands for—delivered free to your inbox: https://herfinancialfreedom.net/market-update-podcast

She built a company for 16 years.

Managed 40 people.

Exported handmade seed paper across three continents.

And had never once opened the financial statements herself.

Nileta Knoetzen is the co-founder of Growing Paper — a South African handmade, plantable seed paper company turning recycled paper into cards, stationery and gifts embedded with real seeds.

Behind the scenes. Running the factory floor. Keeping people employed through COVID, cash flow crises, and a co-founder stepping back.

And still running from money topics.

Until she realized:

"By running away from it, you are causing much more problems."

Here's the paradox she lived:

Leading a production team that ships to Europe every month.

Avoiding her own personal finances every day.

Why?

→ Her father lost the family farm when she was little — money meant fighting, fear and silence

→ She married young and handed over the financial decisions without realizing it

→ Nobody taught her that money wasn't supposed to be scary

Her truth:

She didn't lack intelligence.

She lacked permission — permission to believe this was hers to understand.

"I think I ran away from it most of my life."

But here's what makes Nileta's story different:

She didn't wait for a divorce or a disaster.

She decided — quietly, slowly — that she was done being the last person in her own financial life.

She hired a business coach.

Started going through the financials every session.

And realized: the company she'd built for 16 years had already been teaching her everything she needed.

"My role in Growing Paper helped me grow to a place where I want to know more. I want to grow."

She's still figuring it out.

And that honesty?

That's exactly why this episode matters.

In this episode, we talk about:

→ Growing up with financial silence — and what it costs you decades later

→ Why women wait for a crisis before taking ownership of their money

→ Running a handmade business of 40 people and refusing to automate — because hands create jobs

→ The "sandwich generation" — being financially responsible for your kids and your parents at the same time

→ Breaking generational money cycles from the inside out

→ What it really feels like to step into leadership when you never planned to be the one in front

→ Why you don't have to have all the answers — you just have to stop hiding from the question

Her final words:

"Don't put yourself in the corner.

Everybody has something special in them.

Take on opportunities.

Make bold decisions."

Learn more about Nileta Knoetzen:

Website: https://growingpaper.co.za/

LinkedIn: https://za.linkedin.com/in/nileta-knoetzen-a7b960304

Instagram: https://www.instagram.com/niletaknoetzen/