If you’re over 35 and constantly feeling like you’re behind financially, you’re not alone. In today’s episode, I’m joined by Jean Chatzky––longtime financial journalist, bestselling author, and founder of HerMoney––whose work has shaped generations of women’s financial literacy, including my own. Jean opens up about starting over at 40 after divorce, job loss, and losing a parent. She shares exactly what she learned about saving, investing, and rebuilding confidence when time feels limited. We talk about why so many women feel behind no matter their age, the biggest money mistakes women 35+ make, how to course-correct without panic, and how to use tools like retirement accounts, HSAs, and investing strategies to build a future that still works, even if you didn’t start early.
Jean’s links:
Investing Club: https://join.investingfixx.com/
Website: https://hermoney.com/
HerMoney Podcast: https://podcasts.apple.com/us/podcast/hermoney-with-jean-chatzky/id1098802558
How She Does It Podcast: https://podcasts.apple.com/us/podcast/how-she-does-it/id1691787429
Visit https://herfirst100k.com/ffpod to stay up to date and find any resources mentioned on our show!
00:00 Intro: Never too late to save
00:42 What "owning your money" means
02:00 Jean's story: Starting over at 40
03:49 What to prepare for & do differently
06:36 Biggest mistake: Too much cash, not enough invested
10:56 Why Gen X women feel behind
16:32 Financial boundaries with aging parents & adult children
21:06 HSAs as investing vehicles
27:15 Why "feeling behind" is universal
34:20 Quick-fire Q&A
42:29 Advice for women feeling paralyzed
45:51 Where to find Jean
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