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F O R Y O U N G W O M E NL E T ' S T A L K A B O U TFINANCEBASICSBY HENRIETTA MITCHELL& OLIVIA WILSONWWW.REALLYGREATSITE.COM
IntroductionChapter IIIUnderstanding Your Money Mindset: Exploring YourRelationship with MoneyChapter IThe Power of Financial Literacy: Why Women Need toTake Control of Their FinancesChapter IVMaking Money Work for You: Strategies for Saving,Investing, and Planning for the FutureChapter IIThe Taboo Around Money: Breaking the Silence andOvercoming ShameConclusion040805100712BY HENRIETTA MITCHELL & OLIVIA WILSON 02LET'S TALK ABOUT FINANCE BASICS FOR YOUNG WOMENWWW.REALLYGREATSITE.COMCONTENTS
Henrietta Mitchell Olivia WilsonHi, I'm Henrietta Mitchell, and I have abackground in finance and a passionfor helping women of colour achievefinancial success. With over a decadeof experience in the industry, I'veworked with clients from all walks oflife and understand the uniquechallenges faced by underrepresentedcommunities. Through my work as afinancial advisor and advocate, I striveto create more equitable access tofinancial education and resources. I'mthrilled to be a co-author of this ebook,and to share my perspective andexpertise with women everywhere.@reallygreatsiteHello there, I'm Olivia Wilson, a financeprofessional with over a decade ofexperience in the industry. I'mpassionate about empowering womento take control of their finances andachieve their goals. Through my workas a financial planner and educator,I've seen firsthand the power offinancial literacy and the impact it canhave on people's lives. I'm excited toshare my knowledge and insights inthis ebook, and to help women buildthe financial confidence and securitythey deserve.@reallygreatsiteABOUT THE AUTHORSBY HENRIETTA MITCHELL & OLIVIA WILSON 03LET'S TALK ABOUT FINANCE BASICS FOR YOUNG WOMENWWW.REALLYGREATSITE.COM
INTRODUCTIONBY HENRIETTA MITCHELL & OLIVIA WILSON 04LET'S TALK ABOUT FINANCE BASICS FOR YOUNG WOMENWWW.REALLYGREATSITE.COMYOU CAN TAKE CONTROL OF YOURFINANCES TODAY AND CREATE ALIFE OF ABUNDANCE ANDPOSSIBILITY - BECAUSE WHEN YOUUNDERSTAND YOUR MONEY, YOUCAN ACHIEVE YOUR DREAMSLorem ipsum dolor sit amet, adipiscing elit, sed do eiusmod tempor incididunt utlabore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitationullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor inreprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur.Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia deseruntmollit anim id est laborum.Lorem ipsum dolor sit amet, adipiscing elit, sed do eiusmod tempor incididunt utlabore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitationullamco laboris nisi ut aliquip ex ea commodo consequat. Lorem ipsum dolor sit amet, adipiscing elit, sed do eiusmod tempor incididunt utlabore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitationullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor inreprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur.Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia deseruntmollit anim id est laborum. Lorem ipsum dolor sit amet, adipiscing elit, sed doeiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minimveniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodoconsequat. Lorem ipsum dolor.
The Gender Wealth GapThe Benefits of Financial LiteracyLorem ipsum dolor sit amet, adipiscingelit, sed do eiusmod tempor incididuntut labore et dolore magna aliqua. Utenim ad minim veniam, quis nostrudexercitation ullamco laboris nisi utaliquip ex ea commodo consequat. Duisaute irure dolor in reprehenderit involuptate velit esse cillum dolore eufugiat nulla pariatur. Excepteur sintoccaecat cupidatat non proident, suntin culpa qui officia deserunt mollitanim id est laborum.Lorem ipsum dolor sit amet, adipiscingelit, sed do eiusmod tempor incididuntut labore et dolore magna aliqua. Utenim ad minim veniam, quis nostrudexercitation ullamco laboris nisi utaliquip ex ea commodo consequat. Lorem ipsum dolor sit adipiscing elit,sed do eiusmod tempor incididunt utlabore et dolore magna aliqua. Ut enimad minim veniam, quis nostrudexercitation ullamco laboris nisi utaliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit involuptate velit esse cillum dolore eufugiat nulla pariatur. Lorem ipsumdolor sit amet, adipiscing elit, sed doeiusmod tempor incididunt ut labore etdolore magna aliqua. Ut enim ad minimveniam, quis nostrud exercitationullamco laboris nisi ut aliquip ex eacommodo consequat. Duis aute iruredolor in reprehenderit in voluptate velitesse cillum dolore eu fugiat nullapariatur. Excepteur sint occaecatcupidatat non proident, sunt in culpaqui officia deserunt mollit anim id estlaborum. Lorem ipsum dolor sitadipiscing elit, sed do eiusmod.CHAPTER ITHE POWER OF FINANCIALLITERACY: WHY WOMEN NEED TOTAKE CONTROL OF THEIRFINANCESBY HENRIETTA MITCHELL & OLIVIA WILSON 05LET'S TALK ABOUT FINANCE BASICS FOR YOUNG WOMENWWW.REALLYGREATSITE.COM
Lorem ipsum dolor sit amet, adipiscingelit, sed do eiusmod tempor incididuntut labore et dolore magna aliqua. Utenim ad minim veniam, quis nostrudexercitation ullamco laboris nisi utaliquip ex ea commodo consequat. Duisaute irure dolor in reprehenderit involuptate velit esse cillum dolore eufugiat nulla pariatur. Excepteur sintoccaecat cupidatat non proident, suntin culpa qui officia deserunt mollitanim id est laborum.Empowering Women to Take Controlof Their Financial FutureLorem ipsum dolor sit amet, adipiscingelit, sed do eiusmod tempor incididuntut labore et dolore magna aliqua. Utenim ad minim veniam, quis nostrudexercitation ullamco laboris nisi utaliquip ex ea commodo consequat.Lorem ipsum dolor sit adipiscing elit,sed do eiusmod tempor incididunt utlabore et dolore magna aliqua. Ut enimad minim veniam, quis nostrudexercitation ullamco laboris nisi utaliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit involuptate velit esse cillum dolore eufugiat nulla pariatur. Lorem ipsumdolor sit amet, adipiscing elit, sed doeiusmod tempor incididunt ut labore etdolore magna aliqua. Ut enim ad minimveniam, quis nostrud exercita.Lorem ipsum dolor sit adipiscing elit,sed do eiusmod tempor incididunt utlabore et dolore magna aliqua. Ut enimad minim veniam, quis nostrudexercitation ullamco laboris nisi utaliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit involuptate velit esse cillum dolore eufugiat nulla pariatur. Lorem ipsumdolor sit amet, adipiscing elit, sed doeiusmod tempor incididunt ut labore etdolore magna aliqua. Ut enim ad minimveniam, quis nostrud exercitationullamco laboris nisi ut aliquip ex eacommodo consequat. Duis aute iruredolor in reprehenderit in voluptate velitesse cillum dolore eu fugiat nullapariatur. Excepteur sint occaecatcupidatat non proident, sunt in culpaqui officia deserunt mollit anim id estlaborum. Lorem ipsum dolor sitadipiscing elit, sed do eiusmod.Lorem ipsum dolor sit amet, adipiscingelit, sed do eiusmod tempor incididuntut labore et dolore magna aliqua. Utenim ad minim veniam, quis nostrudexercitation ullamco laboris nisi utaliquip ex ea commodo consequat.Lorem ipsum dolor sit adipiscing elit,sed do eiusmod tempor incididunt utlabore et dolore magna aliqua. Ut enimad minim veniam, quis nostrudexercitation ullamco laboris nisi utaliquip ex ea commodo consequat.BY HENRIETTA MITCHELL & OLIVIA WILSON 06LET'S TALK ABOUT FINANCE BASICS FOR YOUNG WOMENCHAPTER IWWW.REALLYGREATSITE.COM
Lorem ipsum dolor sit amet, adipiscingelit, sed do eiusmod tempor incididuntut labore et dolore magna aliqua. Utenim ad minim veniam, quis nostrudexercitation ullamco laboris nisi utaliquip ex ea commodo consequat.Lorem ipsum dolor sit amet, adipiscingelit, sed do eiusmod tempor incididuntut labore et dolore magna aliqua. Lorem ipsum dolor sit adipiscing elit,sed do eiusmod tempor incididunt utlabore et dolore magna aliqua. Ut enimad minim veniam, quis nostrudexercitation ullamco laboris nisi utaliquip ex ea commodo consequat. CHAPTER IIHow Avoiding Money ConversationsCan Negatively Impact Your FinancesLorem ipsum dolor sit amet, adipiscingelit, sed do eiusmod tempor incididuntut labore et dolore magna aliqua. Utenim ad minim veniam, quis nostrudexercitation ullamco laboris nisi utaliquip ex ea commodo consequat. Duisaute irure dolor in reprehenderit involuptate velit esse cillum dolore eufugiat nulla pariatur. Excepteur sintoccaecat cupidatat non proident, suntin culpa qui officia deserunt mollitanim id est laborum.THE TABOO AROUND MONEY:BREAKING THE SILENCE ANDOVERCOMING SHAMEBY HENRIETTA MITCHELL & OLIVIA WILSON 07LET'S TALK ABOUT FINANCE BASICS FOR YOUNG WOMENWWW.REALLYGREATSITE.COMPractical Strategies for OvercomingMoney-Related Guilt and ShameLorem ipsum or sit amet, adipiscingelit, sed eiusmod tempor incididuntut labore et dolore magna aliqua. Ut enim ad minim veniam, quisnostrud exercitation llamco laborisnisi ut aliquip commodo consequat. Lorem ipsum or sit amet, adipiscingelit, sed eiusmod tempor incididuntut labore et dolore magna aliqua. Ut enim ad minim veniam, quisnostrud exercitation llamco laborisnisi ut aliquip commodo consequat.Lorem ipsum or sit amet, adipiscingelit, sed eiusmod tempor incididuntut labore et dolore magna aliqua.
CHAPTER IIILorem ipsum dolor sit amet, adipiscingelit, sed do eiusmod tempor incididuntut labore et dolore magna aliqua. Utenim ad minim veniam, quis nostrudexercitation ullamco laboris nisi utaliquip ex ea commodo consequat.Lorem ipsum dolor sit amet, adipiscingelit, sed do eiusmod tempor incididuntut labore et dolore magna aliqua. How Your Upbringing Shapes YourFinancial Attitudes and BeliefsLorem ipsum dolor sit amet, adipiscingelit, sed do eiusmod tempor incididuntut labore et dolore magna aliqua. Utenim ad minim veniam, quis nostrudexercitation ullamco laboris nisi utaliquip ex ea commodo consequat. Duisaute irure dolor in reprehenderit involuptate velit esse cillum dolore eufugiat nulla pariatur. Excepteur sintoccaecat cupidatat non proident, suntin culpa qui officia deserunt mollitanim id est laborum.UNDERSTANDING YOUR MONEYMINDSET: EXPLORING YOURRELATIONSHIP WITH MONEYBY HENRIETTA MITCHELL & OLIVIA WILSON 08LET'S TALK ABOUT FINANCE BASICS FOR YOUNG WOMENWWW.REALLYGREATSITE.COM
How to figure out how your upbringing may have shaped your financial attitudeConsider the role models inyour life: Identify the peoplein your life who influencedyour financial beliefs andbehaviours. Was it yourparents, grandparents, orother relatives? Whatattitudes did they havetowards money, and how didthey handle financialdecisions?Identify your current habits:Take a closer look at yourcurrent financial habits andattitudes towards money.Are there patterns or beliefsthat you've carried overfrom your upbringing? Arethere any financialbehaviours you'd like tochange?Reflect on your childhoodexperiences: Think back toyour earliest memories ofmoney and how it wastalked about in yourhousehold. Did your parentsdiscuss financial mattersopenly, or was it considereda taboo topic? Did yourfamily prioritise saving orspending?Examine your education:Evaluate what you learnedabout money in school, andhow this may have impactedyour financial beliefs. Didyou receive formaleducation on financialliteracy or did you have tolearn through experience?Did you have access tofinancial resources, such asbooks or seminars?Analyse your family'sfinancial situation: Look atyour family's financialsituation growing up. Didyou experience financialhardships or abundance?How did your family copewith these situations? Didthey have a budget orfinancial plan?Try to seek out outsideperspectives: Talk to otherpeople, such as friends andrelatives about their ownexperiences with money andcompare them to your own.You can also seek someprofessional guidance orcounselling if you need helpaddressing any negativebeliefs or behaviours you'veidentified.BY HENRIETTA MITCHELL & OLIVIA WILSON 09LET'S TALK ABOUT FINANCE BASICS FOR YOUNG WOMENCHAPTER IIIWWW.REALLYGREATSITE.COM
The Benefits of Financial LiteracyLorem ipsum dolor sit amet, adipiscingelit, sed do eiusmod tempor incididuntut labore et dolore magna aliqua. Utenim ad minim veniam, quis nostrudexercitation ullamco laboris nisi utaliquip ex ea commodo consequat. Lorem ipsum dolor sit adipiscing elit,sed do eiusmod tempor incididunt utlabore et dolore magna aliqua. Ut enimad minim veniam, quis nostrudexercitation ullamco laboris nisi utaliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit involuptate velit esse cillum dolore eufugiat nulla pariatur. Lorem ipsumdolor sit amet, adipiscing elit, sed doeiusmod tempor incididunt ut labore etdolore magna aliqua. Ut enim ad minimveniam, quis nostrud exercitationullamco laboris nisi ut aliquip ex eacommodo consequat. Duis aute iruredolor in reprehenderit in voluptate velitesse cillum dolore eu fugiat nullapariatur. Excepteur sint occaecatcupidatat non proident, sunt in culpaqui officia deserunt mollit anim id estlaborum. Lorem ipsum dolor sitadipiscing elit, sed do eiusmod.CHAPTER IVThe Gender Wealth GapLorem ipsum dolor sit amet, adipiscingelit, sed do eiusmod tempor incididuntut labore et dolore magna aliqua. Utenim ad minim veniam, quis nostrudexercitation ullamco laboris nisi utaliquip ex ea commodo consequat. Duisaute irure dolor in reprehenderit involuptate velit esse cillum dolore eufugiat nulla pariatur. Excepteur sintoccaecat cupidatat non proident, suntin culpa qui officia deserunt mollitanim id est laborum.MAKING MONEY WORK FOR YOU:STRATEGIES FOR SAVING,INVESTING, AND PLANNING FORTHE FUTUREBY HENRIETTA MITCHELL & OLIVIA WILSON 10LET'S TALK ABOUT FINANCE BASICS FOR YOUNG WOMENWWW.REALLYGREATSITE.COM