This is probably one of the most important podcasts I've ever recorded.

Specifically relevant for financial professionals who are seeking to grow their businesses with more female clients. Or if you're a woman who is seeking financial support, but don't know where to start, this is a must-listen to help you choose a professional that speaks your language.

Ready to Connect? Book a Connection Call if you're a financial professional, or a Discovery Call if you're a prospective client using this link:

https://linktr.ee/sandrajoe

You can also visit my website if you are interested in booking me as a Public Speaker for your next Live event: www.sandrajoe.com/speaking

What do women really want when it comes to money? 💸

It’s not about chasing the biggest investment returns or owning the flashiest car. In this powerful solo episode, I dive into one of the most important (and overdue) conversations in the financial world — how women think, feel, and make decisions about their money.

With nearly 100 episodes and years of financial coaching experience across Australia, Canada, and the U.S., I’ve worked closely with ambitious, high-earning women from all walks of life. In this episode, I break down the emotional drivers, communication styles, and values that shape the financial lives of women today — and how financial professionals can do better.

In this episode, we cover:

• Why “overwhelmed, stressed, and fearful” are common starting points for women and money
• The top three things women actually want: security, safety, and certainty
• How emotional storytelling creates trust and buy-in in financial conversations
• The power of leading with the “why” instead of the “what” or “how”
• How to ask better open-ended questions that build deeper client relationships
• Why women thrive in community, not competition
• What financial pros get wrong when working with women — and how to fix it

🎯 Whether you're a financial advisor, coach, accountant, or simply someone who wants to better understand women’s financial motivations — this episode is a must-listen. Plus, I’m now booking speaking engagements for 2025! 🎤

www.sandrajoe.com/speaking

🔗 Resources & Links:

• Learn more about Financial Coaching: www.sandrajoe.com
• Book a Business Connection Call: https://calendly.com/sandramjoe/connection-call
• Book a Prospective Client Discovery Call: https://calendly.com/sandramjoe/discovery
• Follow me on Instagram: @makethatmoney.hunni
• Connect with me on LinkedIn: Sandra Joe

💬 If this episode resonated with you, send it to a friend or a colleague in the financial industry — let's shift the way we serve women in finance.

⭐️ Don’t forget to follow, subscribe, and leave a review so more women (and financial pros!) can find this valuable conversation.

Ready to Connect & Work Together? Find all my links here:

https://linktr.ee/sandrajoe

In this episode, host Sandra Joe kicks off the new year with a powerful reminder: having multiple streams of income isn't just smart—it's essential.

Whether you're looking to boost your wealth, build financial security, or start your journey toward financial freedom, this episode is packed with practical tips to help you make it happen.

Whether you’re juggling a full-time job and thinking of launching a side hustle, or curious about how to make your money work while you sleep, Sandra breaks down everything you need to know to take action today.

Sandra dives into:

• 💸 Different types of income: personal exertion vs. passive income
• 🚨 Common misconceptions about starting a side hustle
• 🧘‍♀️ Realistic timelines and expectations for building additional income
• 🏡 Investment options—from side businesses and real estate to stocks and ETFs
• 🧠 How to match your investment strategy with your personal goals and timeframes
• 🧾 The importance of capital preservation vs. wealth creation
• 💡 Why "starting little and often" is the key to long-term financial success

🔧 Want hands-on help?

• Book a one-off 90-minute strategy session — perfect for solving a specific financial issue USE THIS LINK
• Or apply for Sandra’s private coaching program for in-depth support over 12 months. USE THIS LINK

🔗 All links to book, connect, and learn more are in the show notes or visit www.sandrajoe.com

In this episode I talk about the importance of talking to your children about money early and often, regardless of their age.

Want to connect? visit https://linktr.ee/sandrajoe

Inspired by a recent conversation with my brother Steven Joe, CFP, CPA, and a mutual client, we dived into the pros and cons of including adult children in the family finances and wealth conversation and why it's important to build trust and responsibility.

This episode gives your tools and insight into how to approach the money conversation with your kids at different age groups and ideas of how you can incentivize them to save and make sound financial decisions both now and in the future.

Key Takeaways:

• Build Financial Muscles Early: Teach your kids the value of earning, saving, and making thoughtful spending choices from a young age.

• Open Money Conversations: Normalize financial discussions at the dinner table to instill healthy money habits and reduce stigma.

• Incorporate Real-Life Lessons: Use holidays, family budgeting, and life milestones to teach practical financial skills.

• Age-Specific Strategies:

• Toddlers & Preschoolers: Introduce money concepts through play and small incentives.

• Elementary School Kids: Start allowances and teach saving versus spending.

• Teens: Discuss budgeting, the banking system, and the importance of avoiding debt.

• Adult Children: Include them in family financial discussions and set expectations for accountability.

Holiday Tips for Teaching Money Skills:

• Use holiday shopping as a teaching moment about budgeting and prioritizing.

• Plan family games like Monopoly to make financial lessons fun.

• Reflect on the past year and set financial goals for the new year as a family.

Work with Sandra

🌟 Need help starting financial conversations with your kids—young or grown? Sandra offers:

• Family financial coaching sessions

• Private coaching programs to help you build your financial roadmap

📅 Book Your Session Today or Connect with Me on Socials:

All my links: https://linktr.ee/sandrajoe

Visit my website at www.sandrajoe.com for more information.

🎙 Thank You for Listening!

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