🎙️ 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.

🎙️ Dividend Stocks Explained Like You're 12

Ever hear people talk about dividend stocks and feel like they're speaking a different language?

You're not alone.

In this episode, I'm breaking down dividend investing in the simplest way possible—no confusing finance terms, no assumptions that you already know how the stock market works.

We'll cover what dividends are, how companies pay them, why some investors like dividend-paying stocks, and a few of the biggest misconceptions that keep beginners feeling overwhelmed. I'll also explain how investors can receive dividend payments when companies choose to distribute a portion of their profits to shareholders. Keep in mind that dividends aren't guaranteed, and investing always involves risk.

Whether you're a wife, stay-at-home mom, or complete beginner who's been wondering, "Can someone just explain this in plain English?"—this episode is for you.

In this episode, we'll cover:

• What dividend stocks are

• How dividends work

• How investors can get paid through dividends

• Common myths about dividend investing

• Why understanding investing can help you build financial confidence

  
  

If you're ready to start researching dividend-focused companies without feeling overwhelmed, HER EXIT PLAN was created with beginners in mind.

Inside, you'll find the framework I use to research dividend-paying companies, along with educational resources to help you build confidence as you learn. It's designed to give you a starting point—not investment advice—so you can begin your own research with more clarity.

Grab your HER EXIT PLAN Stock List here:

⁠https://shesworthy.org

Download my FREE Stay-at-Home Mom's Passive Income Starter Guide⁠ (https://shesworthy.org/guide) and learn the basics of dividend investing in plain English. It's designed to help wives and moms take their first steps toward understanding income-producing assets with confidence.

Get Your FREE STOCK by using the app I find the easiest to navigate - https://join.robinhood.com/jasmint33/

If you enjoyed this episode, be sure to subscribe, leave a 5 star review, and share it with a wife or mom who's ready to learn about investing in a way that actually makes sense.

Discussion Question:
What's one thing about dividend investing you've always wanted someone to explain?

🎙️ Your Husband Should Not Be Your Retirement Plan

I know that's a bold title.

But this episode isn't about distrusting your husband or expecting your marriage to fail. It's about something much more important: making sure every woman understands how money works so she has options, no matter what life brings.

We'll talk about the difference between partnership and financial dependency, why healthy marriages are strengthened—not threatened—when both spouses understand investing, and how building assets can give you greater confidence without taking anything away from your relationship.

I'll also share the personal experiences that shaped my views on money, why I became passionate about investing, and why I believe every wife and stay-at-home mom deserves to understand ownership—not because we're preparing for the worst, but because we're preparing for real life.

Whether you're a stay-at-home mom, a working mom, newly married, or simply ready to become more financially confident, this conversation is for you.

Inside this episode, we'll cover:

• Why partnership is different from financial dependency

• The role investing can play in a healthy marriage

• Why financial confidence matters for every woman

• How learning to invest changed the way I think about wealth

• The mindset shift from earning more to owning more

• Practical first steps if you're new to investing

  
  

If you're ready to learn about dividend investing in a beginner-friendly way, HER EXIT PLAN (https://shesworthy.org) was created specifically for wives and moms who want to understand income-producing assets without the finance-bro jargon.

Inside, I'll walk you through the investing concepts I wish someone had taught me years ago, share how I personally research dividend-paying companies, and help you begin building the knowledge to make informed investing decisions.

Learn more through the link in the show notes.

If this episode encouraged you, I'd love for you to subscribe, leave a review, and share it with another woman who deserves to feel more confident about her financial future.

Discussion Question:
Do you think financial education makes marriages stronger? Why or why not?

Why I Became Obsessed with Investing

People often ask me, "Why are you so passionate about investing?"

The answer has very little to do with the stock market...

...and everything to do with freedom, flexibility, and building a future for my family.

As a wife and mom, I realized I didn't want my family's financial future to depend solely on the hours I could work. I wanted to understand how ownership works and how investing could become part of a long-term wealth-building strategy.

In this episode, I'm sharing the personal journey that made me fall in love with investing—not because it's a shortcut to wealth, but because it changed the way I think about money, ownership, and financial independence.

We'll talk about:

📈 Why investing became about freedom—not just money

💰 The mindset shift that changed my financial life

🏡 Why I chose dividend investing as part of my long-term strategy

🤍 How becoming a wife and mom changed my financial goals

🌱 Why I believe every woman should understand how investing works

Whether you're completely new to investing or you've been putting it off for years, I hope this episode encourages you to start learning. You don't have to know everything to begin.

If you're ready to learn how investing works, download my FREE Stay-at-Home Mom Passive Income Guide:

👉 https://shesworthy.org/guide

Inside you'll learn:

• What dividend investing is

• How to start investing with a small amount of money

• Common beginner mistakes to avoid

• Beginner-friendly steps to start your investing journey

  
  

If you've learned the basics and want to see the dividend-focused stocks I personally use as part of my long-term investing strategy, check out my Her Exit Plan Stock List:

👉 https://shesworthy.org

This resource is for educational purposes and reflects my personal investing approach. It is not personalized investment advice or a recommendation to buy or sell any investment.

I'd love to hear your story.

What first sparked your interest in investing?

Or, if you haven't started yet...

What's the biggest thing holding you back?

Share your thoughts in a review or send me a message. I love hearing from this community, and your feedback helps more women discover the podcast.

If this episode encouraged you, please follow the podcast, leave a five-star review, and share it with another wife, mom, or friend who's ready to start building wealth with confidence.

Remember: investing isn't about perfection. It's about learning, taking intentional steps, and building a future with more knowledge, confidence, and options. 🤍

🎁 FREE Beginner Investing Guide

📈 Ready for the Next Step?

💬 Let's Talk!

The Financial Conversation Most Married Women Avoid

What if one of the most important conversations in your marriage isn't about budgeting...

...but about building assets?

In today's episode, we're talking about a topic that many married women avoid: financial independence.

This isn't about being anti-marriage.

I love my husband, I believe in marriage, and I believe strong marriages are strengthened when both partners understand money.

But life is unpredictable.

Jobs can be lost.

Health can change.

Plans can shift.

That's why I believe every woman should learn how investing works—not because it guarantees wealth or passive income, but because financial knowledge creates confidence, options, and the ability to contribute to your family's future.

In this episode, we'll discuss:

🤍 Why this conversation is so often avoided

📈 The difference between relying only on earned income and owning assets

💰 Why I chose to learn about dividend investing as a wife and mom

🏡 How financial education can strengthen your marriage instead of threatening it

🌱 Beginner-friendly steps to start learning about investing

If you're new to investing and want to learn the basics, download my FREE Stay-at-Home Mom Passive Income Guide:

👉 https://shesworthy.org/guide

Inside, you'll learn:

• What dividend investing is

• How to start investing with a small amount of money

• Common beginner mistakes to avoid

• Simple steps to begin your investing journey

  
  

If you're ready to explore the dividend-focused stocks I personally use as part of my long-term investing strategy, check out my Her Exit Plan Stock List:

👉 https://shesworthy.org

This resource is for educational purposes and reflects my personal investing approach. It is not personalized investment advice or a recommendation to buy or sell any investment.

I'd love to hear your thoughts.

Do you think financial independence strengthens a marriage? Why or why not?

Or...

What's one financial conversation you wish more couples had before retirement?

Send me a message or leave a review sharing your biggest takeaway from this episode. Your feedback helps more women discover the podcast and join the conversation.

If you enjoyed today's episode, don't forget to follow the podcast, leave a five-star review, and share this episode with a wife, mom, or friend who wants to build financial confidence and learn how investing works.

Let's keep building wealth—one informed decision at a time. 🤍

🎁 FREE Beginner Investing Guide

📈 Ready for the Next Step?

💬 Let's Continue the Conversation

Becoming a mom changes everything—including your finances.

In this episode, we're talking about the financial realities that many women aren't prepared for before having children. From rising household expenses and childcare costs to having less time and less income flexibility, motherhood can completely reshape the way you think about money.

We'll also discuss why relying on earned income alone can leave many families feeling stretched and why learning about income-producing assets became such an important part of my own financial journey. Investing involves risk, but understanding how assets work can help you make more informed financial decisions over the long term.

In this episode, we'll cover:

• Why expenses often increase after having children
• The hidden cost of losing income flexibility
• How childcare impacts family finances
• Why building assets matters alongside earning an income
• Practical mindset shifts to help you think like an owner

If you're a wife or stay-at-home mom who wants to learn the basics of dividend investing, check out HER EXIT PLAN—my beginner-friendly guide designed to help you understand investing, research dividend-paying companies, and start building confidence one step at a time.

🎧 Tune in and start building a financial future with more knowledge, ownership, and options.

What if one of the greatest gifts you could give your children wasn't more money—but more time for your investments to grow?

Long before I became a wife and mom, I knew I wanted a different financial future for my family. I didn't want my ability to provide to depend entirely on how many hours I could work. So instead of waiting until I had children, I started learning how investing works and building income-producing assets years in advance.

In this episode, I'm sharing why starting early has been one of the most important financial decisions I've ever made, and why I believe every mom should understand the power of time when it comes to investing.

We'll talk about:

• 💸 Why investing early can be more powerful than waiting until you have "more money"
• 📈 How time and consistency can influence long-term wealth building
• 👩‍👧‍👦 Why I wanted to create financial options before my children needed them
• 🏡 How motherhood changed my priorities—but not my commitment to investing
• 🤍 The mindset shift from simply earning money to building ownership

This episode isn't about getting rich overnight. It's about preparing today so your family has more options tomorrow.

If you've been waiting for the "perfect time" to start investing, this conversation is for you.

Download my FREE Stay-at-Home Mom's Passive Income Starter Guide (https://shesworthy.org/guide) and learn the basics of dividend investing in plain English. It's designed to help wives and moms take their first steps toward understanding income-producing assets with confidence.

Join my HER EXIT PLAN STOCK LIST (https://shesworthy.org) now to know all the stocks I invest in to make $1,000/month in dividend income!