We all make financial mistakes, but what happens when those mistakes literally cost you everything? In this episode, I sit down with money expert, author, and host Nicole Lapin, who shares her deeply personal story of losing her home and studio in the LA fires just two weeks after giving birth—and the painful lessons she learned in the aftermath. From skipping business insurance to the emotional toll of rebuilding from scratch, Nicole gets brutally honest about the financial oversights that even experts can make, and how you can protect yourself before disaster strikes. We also talk about the realities of new motherhood, navigating shame, estate planning, and why money isn’t just about numbers—it’s about safety, security, and learning how to trust yourself again.
Nicole’s links:
Website: https://nicolelapin.com/
Instagram: https://www.instagram.com/nicolelapin/?hl=en
Podcast: https://moneynewsnetwork.com/podcast/money-rehab/
Visit https://herfirst100k.com/ffpod to stay up to date and find any resources mentioned on our show!
00:00 Intro
00:41 LA Fires & loss
01:51 Documenting for insurance
02:35 Money & safety
05:02 Insurance tips
11:11 Parenthood finances
16:37 Childcare costs
19:00 Parenting boundaries
21:41 Teaching kids money
22:41 Investing basics
25:07 Money priorities
29:40 Estate Planning
32:26 Debt & leverage
34:20 Imposter syndrome
38:57 Building your path
41:57 Financial shame
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