Episode 234: Making the world of investing less intimidating for women with Simran Kaur of Girls That Invest
“Why do you view money a certain way?”. In today's episode, Fiona talks about the power of investing with Simran Kaur of Girls That Invest. Simran, with her business partner Sonya, runs an award-winning global investing podcast & has helped 1000s of women across 60+ countries gain the confidence they need to level up and achieve the financial freedom they deserve. Tune in!
Topics discussed in this episode:
Introduction
What is Girls That Invest?
On Simran's motivation
Where and how to start investing
The Indian feminist
Split Share
On working with Sonya, Sim's business partner
Tech and Resources that helped Simran
How to connect with Simran & Girls That Invest
Conclusion
Get in touch with My Daily Business Coach
Resources and Recommendations mentioned in this episode:
@GirlsThatInvest – Instagram
Wiley – Girls That Invest
Amanda Thompson – past episode
Josh Rubin – past episode
@The_ Indian_ Feminist – Instagram
It's been a little portion of the money conversation that no one has kind of been teaching us. It's not about setting up a bank account and going off and just going and doing the next thing. It's about, “Well, why do I think this way about money?” And you might find that you have grown up as you've said, viewing it one way or another, and you can't really begin a successful investment portfolio in my opinion, without breaking down, “Why do you view money a certain way?” Because if you don't know where your values and your beliefs lie, it's gonna be really tricky to navigate that when you do start investing,
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Welcome to episode 234 of the My Daily Business Coach podcast. Today, you have chosen a great episode, just pat yourself on the back because this one may well completely change your life. And I don't mean that in some offhand comment, I really do think that it could change somebody's life or many people's lives who are listening. So stay tuned for the interview because it's a great one before we get into that, I want to, of course, acknowledge that traditional owners in custodians of this beautiful land in which I get to meet these people over Zoom and record and find out all these insights and raise my family. and that is the Wurrung and Wurundjeri people of the Kulin nation. And I pay my respects to their elders, past, present, and emerging, and acknowledge that sovereignty has never been ceded.
The other thing I wanted to quickly mention is it's the 1st of September. So yay for spring in Australia and sorry for everyone in the Northern hemisphere, because you are gonna be starting to get into the colder months, and believe me, we have been going through some freezing times here in Melbourne. So I am really excited that spring is on its way as of today, but also given if you're listening to this in real-time, it is Thursday the 1st of September, the other thing that's happening today is that we launch Marketing for Your Small Business Course and coaching program. So Marketing for Your Small Business Course is our online course. It's available anytime, anywhere, you can find it at marketingforyoursmallbusiness.com. And it basically takes all of the stuff, all the things that I have learned over the last 22 years, working in marketing and brand, and presents them in a way that's really digestible and easy, really for people to work through and create a proper marketing strategy.
But twice a year, we actually run a live nine-week coaching program in addition to the course. So you work through the course. So you work through one module, and you come to the live coaching session. You can ask me any questions that you have around that you can share on your screen. You can share with the group, you can get feedback. And then at the end of the course, the end of the sort of nine weeks, we give you the option of presenting your 12-month marketing plan and strategy to the rest of the group for feedback and myself. So you not only get access to the course, but you actually finish the course because as you've heard many times on this podcast, I think it's like 90% of people buy online courses and they don't finish them. So we started the program to make sure that people work through it, get everything that they want out of it, and then become more confident with their marketing and be able to actually present to the rest of the group. So if you're interested in that, it does open today and we'll be kicking this off at the end of the month at the end of September 2022. And you can find all the information over at marketingforyoursmallbusiness.com. You can also find it at the My Daily Business Coach shop, which is mydailybusinesscoach.com/shop. All right, let's get into today's amazing interviewee.
So today it is my absolute pleasure to be bringing you an interview that I did recently with the amazing Simran Kaur. Who's one-half of Girls that Invest. So Girls that Invest is a business that she runs with her bestie, Sonya Gupthan, and the two of them are just changing the way that people approach their financial independence and create financial wealth for themselves, their families, their communities and doing it in an approachable down to earth, funny way. Sim and Sonya host the Girls that Invest podcast. And it is hilarious, so many times I'll literally be like giggling out loud. And when I'm listening to it in the supermarket or wherever I am outside the house, it's such a good, easily digestible way of learning about money, learning about stocks, learning about the economy.
So much jargon is out there that I think really puts people off understanding more about finances, even though money is a huge part of our lives. And particularly as small business owners. So Sim and I connected through Instagram, maybe like a year ago or so, and maybe less than that. And she had read my book and she'd posted it on social media, which is very lovely. Thank you, Sim. And we connected through social media and I thought, “What is Girls that Invest?” Like, “Let me research this.” I'm a researcher at heart. And so I instantly went, I started listening to their podcast, which as I said is so funny and so informative. And it's almost like, “How do you get children to secretly eat vegetables?”
I feel like they're kind of secretly, well, not so secretly, but you listen to it and you dove even realize that you're coming out of it with all this financial acumen that you didn't have before because it's just genuinely really entertaining to listen to as well. So I connected with Sim through social media, started listening to the podcast, and started following them so much great advice, bite-size advice on their Instagram, which is @girlsthatinvest. And I thought this was such a good thing and really in the right time of my life because we are investing more into shares and I'm at that age where you're kind of thinking, “I'm kind of midlife.” And so I started listening to it and then I actually bought the course as well, which is amazing. I didn't start the course for a while because I wanted to start it with my husband.
I wanted both of us to go through it. And from the first video, even the first module, or maybe after the first module, but then, after the welcome part, just straight in with so many good ideas and, and practical information and things that you think, “How do I not know this?” And I'm like 42. And I just wish my younger self had, have had some sort of resource like Girls that Invest. So if anyone's listening who is younger than 42, definitely get into it. But likewise, anyone who's older and Sim talks about this quite a bit Sim and Sonya that it's never too late. It is never too late, to start your financial journey with investing. And so I asked Sim a while ago to come on the podcast and we've had numerous changes of dates.
I'm so glad that we were able to make it happen if you have not been aware because it is all over the internet. Sim put out a book very recently called Girls that Invest it's published through Wiley. You can find it pretty much everywhere, and it is such a great way to kind of start your understanding of investing regardless of where you are in your life, regardless of your financial background, or your experience with this sort of stuff. It's such a great and just easy-to-digest way of understanding money. And I think this is something that Sonya and Sim do really well, whether it's through their podcast, which is actually the number one investing podcast in the world for women. So go them, but also through their Instagram @girlsthatinvest, just everything that they put out is just digestible.
It's information that makes learning about the stock market actually interesting. I'm also a subscriber of their weekly stock market tea, which is a great newsletter. They started maybe three or four months ago, really great bite-size, easy-to-digest information. And as Sim talks about on the podcast, she and Sonya go through all of the really boring reports to be able to bring you the information that you are interested in most. So in addition to investing information in today's chat, we also talk about what it's like to work with your bestie. What it's like to switch careers. Sim did not start in the financial space. She started in a completely different career. And also what it's been like as a young woman, a woman of South Asian heritage, a woman from little old New Zealand to get onto the global stage, talking at things like TEDx, being in Vogue, being in business insider, literally traveling the world, talking about what it's like to invest and to actually create financial independence for yourself. So such an interesting chat and I will stop talking and get on with it. So here is my wonderful interview with the amazing Simran Kaur of Girls that Invest.
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Hello Sim, how are you feeling today and where are you joining us from? Because I know that you're a bit of a jet setter.
I am good. Thank you for having me. I’m in Auckland, New Zealand, which is where I grew up. So back home, but I'm really excited for this chat today. I feel like it's been a long time coming
Yes it has. But I'm so excited too, I was like telling my husband all about it. Because I was saying to you just before we hit record, I think you're a celeb in the world, but I think you're a celeb, particularly in our house in North Warrandyte. So I think we're both excited to be talking to you, but for the 1% of the population who has not heard about you and doesn't know Girls that Invest or also the Indian feminist, let's start with Girls that Invest, what is that? And how do you describe it and kind of why did you start it?
That's a great question. So, Girls that Invest, we are a podcast. We are the world's number one investing podcast for women, which is absolutely crazy. Hasn't quite hit. And now very recently author of girls that invest, which is a recent book, that's come out, that's been popping off kind of around the world. So we're in the middle of our book tour for that. And what do we do? I guess, the main thing that we're trying to do is get more people, especially women and people of color, but essentially everyone to understand investing and understand the jargon behind it. So that if, and when you do ever want to invest, it's not confusing. It's not overwhelming because that's what we experienced when we were growing up and we just wanted to make the road a little bit easier.
You have and I love how you just humbly say it's been popping off. I believe maybe I'm wrong. Did you sell out of your book in pre-order already?
Yes, we did funny. I won't name them, but there was a big retailer who didn't end up getting enough books for pre-orders and ended up having to cancel a lot of people's pre-orders because it was just taking so long, but that's a good problem to have now that I look back on it.
People were like going crazy. I mean it's a really great book and we'll get into it more, but it looks really pretty too. And people do judge a book where its cover and everyone who says that they don't isn't telling the truth it looks really awesome as well. And so speaking of the book, I am currently reading it for a second time because I wanted to kind of read it first. I used to actually be a proofreader in book publishing. They're always like nothing, nothing will ever stand out the way that it stands out in the first read-through, but I probably should have had a highlighter with me when I was reading it the first time and a pen and I didn't. So I'm gonna read back and do all the homework and everything.
But one of the things that are really evident from this and you've just mentioned it as well about the business is this idea of like breaking down these walls, whether they're real walls, like people's cash flow or anything else or perceived loads of us. And I don't think it ever really goes away with age, have these around things like wealth creation, particularly when it comes to investing. I think even just that word can be very triggering or even taboo or even for somebody else when people hear it. So it's one thing to learn this for yourself, you and Sonya, but it's another to kind of go all out and help others learn that. So I'm just wondering because we all learn things all the time. I'm a really good baker, but I'm not creating a whole business. Maybe when I'm older, but what was the catalyst for you to dive all in on this and to go further with this than just sort of sharing it with people on the internet or sharing it with friends and family?
Honestly, I think one of the things that really stood out for me was when I was growing up, I saw just the effect that having money or rather the effect not having money had on the woman around me. And I grew up in a very patriarchal sort of setup with being Indian by descent. And you just sort of see situations where two partners would argue, but the one that had the financial leg up would go, “Well, I'm paying for this.” So it's happening my way or well like even little things like, “Well we are going on holiday and I'm paying for it, so I'm gonna choose where we go.” And it just got to a point where I was like, “Wow,” like your everyday financial decisions, but also just your everyday life decisions can be dictated by money. And like that's not something I want.
That's not something I enjoyed seeing these women endure. And I think that really was my initial spark of like, “Okay, let me learn about this money thing.” And then the second more recent kind of push towards even starting girls that invest in Instagram account and a Facebook group and all that was sort of in 2020 when I started at the start of 2020, realizing that every like smart, young, professional woman that I was speaking to, I just started working that year. They were all like, “Yeah, I save and I do this and I'm so good with my money. I like automation.” And then I'd be like, “Awesome.” And like “What do you do for investing?” And they'd be like, “I know I need to start. I just don't know where to start” and that, I don't know where to start piece just really resonated with me. And I was like, “Well I know a little bit about investing.” What if I created a resource where that's where everyone knows to come to start?
Wow. So that question alone. I should, but I don't know where to start or even statement and just the, I don't know where to start and I don’t know what resources are out there. And maybe that'll just be whether it's a procrastination of finding that information themselves or whether it's a bigger, deeper feeling of that. “I'm not worthy of that” or that's for somebody else. And I kind of wanted to touch on that a bit more because what you've just said, I feel like also pertains to whether it's people just getting into the professional life for the first time women, particularly or small business owners, that's who I work with. And I think many people that I'm working with, we work a lot on their money and just sort of getting their profit levels up and really understanding where their revenue streams are and how much money is coming in from each and which ones to drop.
But I'm just wondering if people are listening to this and if they maybe have made some profit. I work particularly with homewares and interiors and design. And a lot of those people actually did quite well during the pandemic, which sounds awful. I know, for a lot of companies listening, but everyone was at home. Everyone wanted to renovate and put in new decor and other stuffing. How can somebody who is listening to this and perhaps has made a profit and wants to expand their wealth creation? Like how can they even begin to reframe what they might have been taught? Maybe they grew up in a conservative background. Maybe they grew up with the opposite end where their parents made heaps of money and they just saw it destroy things. Or maybe where everyone had a whole lot of freedom and they're worried that if they have too much, I don't know all sorts of things. We have all these beliefs, but I think there's another belief that I've mentioned a few times, which is just this idea that shares and investing is not for me or for them and say someone is listening to this and they're thinking, well, that sounds really good Sim and I have a bit of extra money right now. I'd like to invest in it. Where do they even begin?
It's so interesting that you mentioned that because what I really believe in is when people do come up to us and go, “Well, how do I start?” It's not, “Hey, go buy this share or go jump into this fund now that you have this extra money.” First of all, congratulations on making what you have. That's such a big feat in itself, but the next step is really a mindset. And I can't believe that it's been a little portion of the money conversation that no one has kind of been teaching us. It's not about setting up a bank account and going off and just going and doing the next thing. It's about, “Why do I think this way about money?” And you might find that you have grown up as you've said, viewing it one way or another, and you can't really begin a successful investment portfolio in my opinion, without breaking down, “Why do you view money a certain way?” Because if you don't know where your values and your beliefs lie, it's gonna be really tricky to navigate that when you do start investing,
What I found that's really worked for me is understanding the negative associations I have with money and the negative associations I have with my ability to understand money. When I was younger and I thought I'm not good with numbers. Money is evil. The only people in my life that have money are like mean old men. And so, I really associated money and wealth with them. And I remember saying to my parents, I never wanna own a business because I don't want to be like that family friend as if you could only own a business by being very stern and angry and stressed out all the time.
So true. I actually interviewed this financial advisor, Amanda Thompson a while ago and I thought I was having therapy Sim like she was asking me all these deep-seated questions and it's funny because I go through this with clients and we have a whole Money Mapping Course that goes through money mindset as well. But I grew up in a Catholic family. My parents busted their gut. We all came out from another country. They came to Australia knowing no one, it was very much like we are pouring all our money into your education because once you have education, particularly women, you can't, no one can ever take that from you. So I grew up with a very much like spend your money on education and travel. But like my parents never talked about shares. I actually didn't know they had shares until my brother turned 40 and my dad sold some shares or gave him some shares as a present.
And I was like, “Do you have shares?” So I totally grew up with all these different things and I've had to go through that same process. I think it's such an important point to make. And so another element that you're really passionate about and you've touched on it already as well as celebrating Bipac and women of color in business and in finance, I love the story in your book. When you mention an older woman at an event, sort of suggestions you have to make your own money, your own freedom. It reminded me a lot of my mom growing up, she was always saying to me and my sister, “You have to have a separate bank account.” And she worked with a lot of women in sort of domestic violence situations. And so she used to always be like, you need a way out. And so you talk about your south Asian heritage.
I mean, I think it happens in all sorts of backgrounds as well, but you talk about that a lot in your work and it's such a powerful thing. Because I work with people from numerous backgrounds and different experiences and, and different education life and academic and everything else. And I think having someone that people can relate to when it comes to scary things like finances or wealth creation is really powerful. I really do think that if people can see it see themselves, whether it's your heritage or it's your age or it's your gender or it's being from like little old New Zealand and I say that with love because my best friend lives in New Zealand, it's really important. So I'm wondering how you found it because you are a superstar, you're the number one? Financial, is it financial advice podcast in the world?
I would say investing and number one investing, but I guess what I found has like really worked with us that I didn't realize was such an important aspect was that representation piece. And I think we had a lot of really great feedback when we started, but the number one feedback was, “Wow, I'm so glad” someone DMed us. And she said, “Thank you for not being the generic male voice.” You were just the voice I needed. And that really like hit me. And I was like, “Wow, I think we've actually got something good here.” I mean, this was when we were at the start of the podcast and I wrote down that quote and I stuck it on my wall just where my desk was. So I could see every day and remind myself that there's something going on here that might be bigger than me. Or it might be something that even on the days that you don't really feel like getting up and doing a podcast and working in X, Y, Z, there's some purpose behind it. And I think that purpose and realizing that representation matters so much has just been so crazy.
So crazy. There are so many lessons in that, one is if you like something and some business is doing a podcast, please let them know because if that person hadn't let you know, maybe you wouldn't have felt as inspired to get up all the time. When I came across you guys, I thought the fact you were from New Zealand really made a difference, like, because I was like, this isn't typical Americans talking about 401k. I apologize to anyone listening to New Zealand. I know that New Zealand and Australia are very different countries, but I always feel like we are kind of the same place. Even though it's very different I really felt an affinity, “Okay, well they're in New Zealand and they're doing this and this.” So maybe in Australia, we could do it too. See, I think it's amazing what you're doing. And I also wanted to ask in that, do you think that things are changing? Do you think that it's been easier or harder than you imagined to step into a global world as a young person, a young woman, and a young woman of south Asian heritage from New Zealand?
I think you have to have like a little bit of tough skin to put yourself online these days. And I say that with a lot of experience. So you kind of touched on it earlier. And so for those listening that probably don't know this before Girls that Invest became what it is. I was in university and I started a little movement at the time called the Indian feminist. You can kind of get from the name, what it's about. It was an Instagram account based on the experience of Indian women that were kind of living overseas in Western countries. And we have such polar opposite worlds or traditions, the gender roles of a woman in like Indian culture, and traditional Indian culture look like was so different from living in New Zealand or Australia.
And I guess that that idea also kind of started the same way Girls that Invest where I was like, “No one else is like talking about this.” And this is something I wanna talk about. And I can't find that resource. So I might as well just make that resource myself. And what I found from it was that so many people just wanted to be a part of this thing. And so many people wanted to jump in and share their experience and go, “Me too.” I'm not the only person. And that also came with a lot of growth, which also led to a lot of people coming in that weren't really our target audience. And therefore had a lot to say about feminism and about that kind of experience. So I grew up with very thick skin early on from that kind of hate comments or DMS. We got a death threat. So it was crazy. So now when we do staff on Girls that Invest and someone goes, da, da, da. I'm like, “Well, that's not a death threat.” So I had it worse.
No, I think it's amazing what you're doing. And I wanted to ask you a question about that later as well, but I may as well just ask it now. You have grown both of these massively. Like I think the Indian feminist has up over 300,000 followers on Instagram Girls that Invest is hugely, hugely popular, like over a hundred fifty. Am I getting that wrong? And so we haven't mentioned this yet. You also were an optometrist, is that right? Have you studied optometry?
Yeah. What a weird combination. I was looking at my LinkedIn a few months ago and it was like, Indian feminist, Girls that Invest, and then optometry. And I was like, one of these does not look like the others.
Being an optometrist, obviously, you're young, everyone is young, I'm a lot older. And I just look at even the way that my son is able to use the internet. You grew up with this, whereas I did not. So is it just I'm young? I knew how to engage with people. I knew what people wanted and therefore I grew the communities. Is it, I purely went out there. I think that your intention with both Girls that Invest and the Indian feminist was to go out and connect with people and share and give value. And that does relevant, and usually helps with building an audience. But did you have a lot of training in social media? I mean, there are brands out there that would die to have those kinds of numbers?
I think for me, it was the second way of doing it. The way that you mentioned just wanting to get out there. I still vividly remember the Indian feminist. So I'd never really had any media training. This was around 2016 and I think Instagram was quite popular even back then. So I knew what it was about. And I just found that if I just tried that nothing could go wrong. What's the worst that could happen? And I had the idea of we might get 200, maybe even 300 people that follow in and listen along with the Indian feminist. And to me, I think that was like the intention and the idea behind it. And very quickly, I started to realize that I really enjoyed social media and I enjoyed connecting with people.
And if there's one piece of advice I have for someone that's like, “How on earth do you grow to account so quickly?” It's just to keep trying different things. It's very much like throwing spaghetti on the wall and seeing what sticks and what sticks keep doing more of and what doesn't let go. But you're still continuously trying new ideas. Like what about this kind of post? What about this? What about a video? Okay. That didn't work back then let's try something else. So if you do that for like six years, I can only imagine that, of course over time you kind of find what works and just do more of it.
Such a simple answer, but so good. I wanted to ask you another question and I'm putting you on the spot here about optometry. So I have recently had huge back challenges and I think the number one person who's helped me has been this amazing acupuncturist cups guy, Richard Yates if anyone's listening, although he will hate that he's been called out on, so on like the podcast, but he would like to poke me in different places and be like, which one hurts more the left or the right. And I said to him, “Oh my God, you're like an optometrist.” Have they like put the different things in one or two? Did you ever trick people? Did you ever just put the same thing in, I feel I've had to wear glasses since I was 17. I'm supposed to wear them all the time and I don't always, but I always felt so tricked. I was like, are they just putting the same thing or are they putting a clear piece of glass? Did you ever trick anyone as just a joke?
Are you trying to like debunk the optometry one or two?
I'm always so confused and stressed when I do that. Because I'm like, “I don’t know.”
Do you know what? I'll tell you something. We usually know what your answer is going to be, but it's just to like confirm it. And usually, when it gets to that stage where they look almost the exact same, that means like we're at your prescription. Like we're very close. And so for an adult, I've never tricked them or shown and no one really does it on purpose? It's just truly one or two, but with children, we had so many children, usually, young girls at the age of 9 to 10 would come in with friends. Would've just got glasses and they'd sort of pretend that they needed to see. And so you'd put in some clear lenses, they could suddenly see perfectly. And you save their parents a little bit funny.
That's so nice. Sorry. I've always wanted to ask that question. I couldn't ask it while I was with the exam. Because I'd be like “No, are you tricking me?” And so back to finance, a lot of people are feeling quite stressed by the news. We've got constantly turn on the news and this is down and the stock market's down and there's a recession looming and oil, and gas prices are up and there's no iceberg lettuce here in Australia, but they might be thinking, anyone, they being my wonderful audience might be like, well, who has the money to invest? Like, why are we even talking about this? I'm just trying to make my shops rent this month. What would you say to someone who perhaps is thinking, I'll do that once I get $10,000 extra in my bank account, or when I get to five figures, I need to start with that?
That used to be the exact way I viewed investing and thought like, I don't have money for this. I'm a student or I have to start working. Or I guess like when I was back in high school, when I’d done little odd jobs, I just thought, no, it's not for me, but things have changed. And I think that's why it's probably one of the biggest misconceptions that still come up. And it's one of the things that we touch on in the book because it comes up so often with the idea that you don't actually anymore need a lot of money to invest back in the day you needed a minimum spend on investing. It's like when you go and host an event and the event, when you go, “Hey look, you can stay here, but you need to spend five grand” and you go, “I don't have that.”
Investing used to be that same way. So I can almost understand why people have that misconception. But now we are very fortunate to live in a time where we have micro-investing platforms, the apps where you can just literally download onto your phone and put in a dollar or $5 or $10 to invest in. Someone might say, well, is that worth it? And two, is it something that I should do later down the track or early on? And I really like data and I really like numbers and I'd call myself a little bit of a nerd. And what the data has shown is it is better to invest even $10 a month when you can, rather than waiting until 5 or 10 years down the track, when you could put in a hundred dollars a month and you might go, well then how do you invest with $5 or $10? There's this thing called a fractional share. So if you know, one share of, let's say CommSec was a hundred dollars, but you only had $10. You could just buy 10% of that share. And it would go up and down just the same.
It's such an eye-opener for so many people. Even for myself, you have an amazing email that I often suggest to people since you've started it, what? Three months ago or a little bit.
Around three months.
And I was reading it one time when I was trying to put my son to sleep and I was on my phone while I have to just lie within like 10 minutes and I was reading it and it was talking about Amazon Split Share. And I have Amazon shares, which I know is maybe considered very evil by people. But before you go off at me, I used to work there and they actually pay your bonus in shares rather than in cash. And I just kept it there and I've just kept it there for my kids really, or for like a backup, if everything went crap and we couldn't pay our mortgage, but I was reading your newsletter and it was talking about how they've split the shares. And I was like, “Oh my God.” And I just Googled, Amazon share price.
And I freaked out because I was like a share price is like nothing in comparison to what it was. But then I called the bank in America that holds them. And the guy was like, “No, ma'am you have not lost all your money.” He’s laughing at me. And I was like, “What is his name?” He's like, it's a split share. And he is like, once companies get to a certain amount like at the time it was maybe $3,000 for a share. He's like, they will split them. So that now one share is now worth 20 shares and anyone can start investing a lot cheaper as you said. So is that a thing I'm putting you on the spot again? Is that a thing that like tech companies do? Does everyone do it? So for anyone listening, if I'm not making sense, the shares were roughly two or $3,000 a share American and maybe 2000 and they split them so that they became like a hundred dollars a share so that people could buy into Amazon or any other company that's doing split share. Is split share a common thing?
It's a great question. I also love that you called them out. That's so proactive. I feel like most people be like, “well, that's my money, go on.”
No, it's always been our backup plan. So it was like my stomach sank when I was reading your newsletter. But I was so glad that I was reading your newsletter. Occasionally I'll just search Amazon share price because I've not touched them for 12 years. So, sorry. Keep going.
I wanted to explain to those listening at home, the idea of a split share occurs when a company realizes that its share price is getting too high. So for example, if Amazon went for one share, it's looking like two grand or $1,000. If we break it down, we can make the share price lower. But what that also means is the people that own those shares, they don't lose out money because rather than having like one share for a thousand dollars, you just end up having lots of shares at a hundred dollars each. Another way to explain it is let's say Apple splits and it does a two-for-one split rather than owning one Apple share for a hundred dollars. Your portfolio automatically changes it to two apple shares for $50 each. So you've still got a hundred dollars worth of Apple shares.
They're just smaller bites and smaller pieces that makeup just as much as you've had before. Now, the funny thing about why companies do this is they do it more often these days because of the share prices going up so crazy in the last two years. So Apple did one, Google did one, Tesla did one and of course, Amazon did one. And that's just because as you might have like noticed, or if you kind of follows stock market news, the prices just kept going up and up in 20 up and up in 2021, we probably won't see any this year because it hasn't been such a great year for the market, but it's a little like a tricky bit of information that not a lot of people know or are privy to. You don't actually need the share price to drop from a stock split to buy an Amazon share for a hundred dollars. There's this thing, like we mentioned earlier, the fractional shares that even if an Amazon share is a hundred thousand dollars, you can still put in $10 and own like 0.0001% of it. So you don't anymore have to wait for the share prices to drop companies, just do this to entice new investors, to think, “Hey, it's cheaper. Let me buy it.”
We just got some secret information.
Heard it here first?
Yeah. I had no idea about this. And even the fact, like, I feel quite embarrassed to say that I had to find out about Amazon's Split share from your amazing email, because I'm not looking at it all the time. And I think like what I said to you before, like with you and my husband thinking you're amazing is we bought your course, we are working through that together and I'm reading this book for the second time and then he's gonna read it. And he is also somebody that was like, neither of us grew up with like a whole lot of extra money around. And his parents are actually from India as well. And we just both try to educate ourselves. And I love in the book that you constantly say, “If you're in your forties, it's okay.”
It doesn't have to all be like, get started the earlier you can, the better, but I also wanted to talk to you. I know I mentioned before about your social media and how did you grow that? But you also do an amazing job, obviously on your podcast with Sonya. It's hilarious. And quite often laughing as like, it's hilarious, but it's also super informative. And you also have this kind of, what is it called? Like the Monday questions when it's kind of like is it murky Monday questions?
Yeah. Sticky Money Monday.
So it's sort of where people are like saying, “Hey, my brother's marrying a gold Digger.” How do I deal with this? So there are so many things that you can learn on that you also, as I said, your email, I actually think is such a brilliant email because of what it brings out, but also the way that you've templated it, I'm imagining it's not as hard maybe as writing an email from scratch every single time that doesn't have sections. Like I've shown it to many of my clients. And even just the fact that you don't have to change the subject line each time everyone knows, this is the weekly stock market tea. And so you're not having to come up with a new subject line each week and hope that that changes your open rate. So actually I think you're doing brilliantly, both of you, but I'm just wondering, firstly, you've mentioned this before you just started sort of to make a community, but did you think that Girls that Invest would become like a brand?
I think to some degree in my heart, deep down, I had an idea it would do while I didn't think would end up in vogue or would have a bestselling book or anything like that. I think those were definitely out of the ordinary. I think it'd be a little bit crazy sitting in New Zealand going, “You know what, Sonya and I we're five feet we're gonna be in vogue.”
Why not?
Why not? It's changed my changed the way I viewed things. I think I just knew that when you find something that there's such a gap in, like with the Indian feminist, I always used to tell people, like, I don't think it's because I'm great at what I do. I just think no one else was doing it when you have no competition in an area, of course, it's going to blossom as long as you're not doing it terribly. And so with Girls that Invest, there was no stock market podcast woman. There was no Instagram account that was giving bite-size investing news because as you've mentioned, most people like myself check the stock market every day and check the news and wonder what's going on about companies, we have better. Well, other people have better things to do with their time. And so I thought, well, if this is something I do for fun, then why not just share like the highlights, the things that are most important? Like, let me sift through all the boring stuff to tell you the juicy stock market gossip.
I think it's really good. And if anyone wants to sign up, of course, we'll have all the links for the email and the podcast and buying the book and everything in the show notes. But I wanted to also touch on Sonya, who is your partner in all of this and your business partner. So I'm wondering how has it been running a business with a friend because you often showed, I don’t know if it was on Instagram or maybe it's in your book, you guys have been friends like your entire life. I work regularly with business partners. I've worked with people who are sisters. I've worked with people who are life partners as well, and then good friends or cousins or all sorts. And I've also worked with people who've actually like literally on a call have broken up a 25-year friendship, like one, these two guys, it was awful to watch and I just felt like crying for them.
And so it can be like whenever I'm working with partners, I talk a lot at the start of our coaching. What are your personality types? What's more important? How can we create roles and responsibilities? And so I'm wondering because you don't want that friendship to break up over a business. Have you got any advice for others who might be listening, who maybe want to go into business with their friend? Like how do you guys do it so well without ruining or stretching a friendship or even they saw recently on Instagram, somebody sort of was questioning why it was your name on the book. Like how does that all work?
It is so interesting how it's like panned out, and for those that may not know. Sonya and I, we've been friends since we were five. We've been friends for 25 years and it's a long time to know someone, but it also means that you really know the ins and outs of them as a friend. It doesn't mean you'll know the ins and outs of them as someone that you do business with. And so when I started Girls that Invest, I was doing it for a few months and I said, I'm gonna look for someone to join me for the podcast. And it just has to be someone that comes in one hour a week. It's not like a big commitment. And I couldn't find anyone. I was like, who would I do it with? And then Sonya and I just sort of randomly, but also at the perfect time, started opening up about our money. And we had a deep conversation for like two hours on my bedroom floor and my flat. And I was like, she's been here this whole time. My best friend, this is who I should talk to about money. Because we're about to learn so much about each other. We might as well record it.
I think the reason why it's worked out so well is that, from the very get-go, we set our expectations and we set our roles very separately. And so I kind of said to her, “Hey, look this is this thing I'm doing.” I'm very happy to continue by myself, do X, Y, and Z. Whether that be the social media, reaching out to brands, or kind of pitching us to media. That's stuff that I think I might be good at. And I know you are also really good at like editing the podcast or organization or sending out reaches to different people. So would you mind taking care of that if, and when we grow? And so from the get-go, even though we hadn't reached the portion where we had a course or we had a book or anything, we kind of set out like, this is what I would do, and this is what you would do.
And when we'd get to those situations, we then just check in with each other, like, “Hey, do you wanna do this together? Would you like to do the book together? Would you like to jump onto this media together?” And one thing that I learned about Sonya and myself is that I was very extroverted and she was very introverted. And so when like me, your opportunities would come, I'd go, “Yes, take me on.” And Sonya would go, “You know what? I've had a really crazy week. I don't wanna do this.” And so for me, I've gotta respect her boundary, so I'll go and do it. It's still a great opportunity. And I think for a little bit of time, we started having people wonder. Whereas the real behind-the-scenes was me being like, “Please come along, please do this.” And then I need to respect her boundaries. So we've definitely had those ups and downs of who's gonna do what, but I think if you can set that from the get-go, and then continue to check in with each other, then communication is gonna be fine.
I love that you said that from the get go. So often I work with business partners who might have been in business for like five to 10 years. And one thing that I'll, and I know people love or hate personality tests, but I always say, can you do 16 personalities.com? I actually worked with a friend on these events and we kind of got to the end of one event and we'd worked for like four or five months together. And we both sort of felt like the other person that we'd done all the work and that the other person hadn't and she felt similarly. And so we had breakfast together and we did the personality test and we would complete opposites. And so for her, if she saw an opportunity, she was like, “Yeah, let's just go for it.” Whereas if I had an opportunity to come to me, I'd be like, “I should discuss it with her.” We should work out the pros and cons. And we were just different personality types. And it didn't mean one was better than the other. It just, we had to understand that about each other. So I think it's so important. Even when you mentioned I'm an extrovert, she's an introvert. That even just that you're a business partner and you wanna do this, you both wanna make this thing work. You’re not gonna necessarily have the same pathway to do that.
Absolutely. And if there's anything that has really helped is just nipping things in the bud as soon as possible, because you're gonna spend so much more time together. And it's definitely been instances where we're having a meeting and I go, what's the tone from? What happened and she's gone. And so she goes home and she's happy. She's had a great day. She's cheerful. And in my head, I'm like, “What have I done?” And you just think about it for so long. And then I still remember that. Because it happened once I still remember kind of reaching out to her and going, “Hey, did something happen? What did I do?” And she was like, “No, not at all.” Like, everything's fine. And so had I not communicated, I probably would've had a terrible day and probably been really distant myself because she doesn't wanna talk to me. Maybe I should give her some space.
Yes. And we can go on that spiral. I can do that or even people have said it to me, are you okay? Like, are you angry at me? And I'm like, “No,” like my son's got gastro. Like I just, haven't gotten back to anyone's text message right now. Like it's nothing personal, but we can totally go down that road. And so obviously you are a mentor for many in regards to finances and putting yourself out there and just all the things. Have you had any mentors on this kind of business journey or is there even a mantra? I know you mentioned that women's comment about the podcast, are there books or documentaries or anything that has really helped you build your businesses?
Do you know what? This is so embarrassing and I want you to hear me with an open mind when I say this, but I find the Kardashians to be really interesting people to watch and learn from when it comes to business. And if there's anyone I've learned marketing from, it's just been from growing up, watching, Keeping up with the Kardashians, and going that's interesting. That's how Kris Jenner does it. Maybe I'll try that too.
You do not have to apologize. You're talking to someone who's watched every single episode ever.
Me too.
Yes. And I'm dying for the next season. I'm like, oh, come on. I feel so sad. Whenever it gets to the end. Who's your favorite?
My favorite's Chris. Absolutely.
Have you ever watched her masterclass?
I actually watched like five minutes of the first one. I don't think she's gonna give too much away.
No, it's very slow. I was watching it on double speed and I was like, is this going anywhere? I feel like she gave away more in the episode, recording the masterclass on keeping up with Kardashians than she did in the masterclass. But mine, my favorite is Chloe, but sorry. I've interrupted. So outside of Keeping up with the Kardashians, anything else that helped you?
No, first of all, I love Chloe. I guess not, but I'm happy to kind of dive into what I've actually learned from them. And what's been really helpful. One of the cool biggest pieces of advice that I have taken away that has been monumental is something that Kris Jenner keeps saying, which is that “If you get told, no, you are asking the wrong person.” And initially, I didn't understand what that meant. I was like, does that mean you just go behind people's backs? Like, that's not really what I wanna do, but I realized what it means is don't always take no for an answer and see it as the end will maybe like there's some other way to negotiate. Maybe there's someone else that you could talk to within the brand, maybe the same person, but just a different angle.
And so when we started, I would reach out to so many brands in the media and go “We're doing some great work, right now we're the number one business podcast in New Zealand.” And they would go “Cool, congrats, but why would we cover that?” And I think if it had this been me younger, I would've been like, 'm rejected. Like I could never email this person again. But then we got to the number one podcast in New Zealand overall. So I messaged them again, and they said, “Cool, but we don't care.” Then we got the number one business podcast in the US, in the UK at number two in Australia. And I was like, “Oh my God, surely you would want to cover this.” Like, we're New Zealanders and we're on the global stage. And they said, “Yeah, maybe we'll get back to you.”
Not too sure. And a month had passed, sorry, a week had passed at that point. And so what I realized was you could just say, well, I'm not worth covering. This is not a great story. Or you could be your own biggest advocate. And I worked out an email address of their business managers that they said they were gonna send this off to. And I just sent it off to her instead. And I said, “Hey look it's been a week. Do you still want exclusive rights to the story? Otherwise, I'm gonna bounce.” And they published it. And once they did, then everyone did. And that was our big break into the media space. And it's just so interesting to me. Sonya was like, “Sim, you must be the most annoying person for journalists right now.”
No, not at all.
So what I learned from that was to keep pushing for yourself even very recently. It would be my dream to do a book tour and do one at Barnes and Noble at the Groove, which is like this beautiful three-story bookstore in the US, it's been feature featured in movies. And so I asked, “Could I do it there?” And my publisher said, “Sorry, they said, no.” So then I went, “No, I'm gonna try again.” So then I called up the store myself and they said, “Sorry, we need eight weeks' notice.” And then I said, well, “I could do it in eight weeks.’ Like, I'll move my flights around if you need me to. And they were like, “Oh, we'll see.” And then they got back to me and they said, actually the manager was in funnily enough. And she said, yes. So it went from three nos to eventually yes. But these things happen when you push and advocate for yourself, it never comes. No, one's gonna hand it to you on a silver platter and go have the book tour, have the signings, have the media. You've really just gotta be your biggest advocate.
Yes. I agree with that. When I put my book out, which unfortunately couldn't do a tour because it was a lockdown city. And then the next year I thought I'll do a 12-month party. And then we were in lockdown again. And I was like, okay, in four years, we'll have two of my book, but I think it's so important because I also was like, “Okay,” the publisher will just have this whole marketing strategy. And they had some marketing strategy and ideas, but I was like, this isn't happening, how I want it to happen. So here's my fault leader. And I went out to a good friend, actually the one who had the personality test with me and she runs a PR agency. And I said, how can we do this? Because you are super expensive and she was like, “Let's just do a barter. You do marketing strategy and I'll get someone to work on your PR for half a day.” And they just did such a good job. So I totally agree that like, don't just go, I'm not important enough. Or whatever you think or whatever you're telling yourself, just get out and try and do it yourself.
It's so crazy that if you do just leave and I love my publisher, just wanna put it out there. If you do leave things out to the world to do for you, it just won't happen. No one understands your brand or your vision the way you do. And sometimes it is just a matter of maybe I could try, maybe I could try and do something else or show it from a different way, but that's just been like us from the get-go, all these opportunities that we've had have just come from being proactive and in New Zealand bless them. There's a really big radio show over here. Big for New Zealand maybe that is a better way to put it. And I just messaged them on Instagram. And I was like, “Hey, do you mind if I jump on?” And they were like, “Yeah, of course, we'll see you this week.” And if you have the audacity to ask, worse they can say no, but if at least you ask, you're getting yourself, maybe a few more things, than you would've otherwise.
I completely agree. And so outside of the Kardashians with all that you've got going on, are there any apps or other tech platforms that you and Sonya just couldn't run your business without?
I have recently just signed up this week, not an ad to Monday.com and I am really loving it because with a lot of small businesses, small startups like ours, there are just so many little tasks. You don't have an entire marketing team, you don't have an entire socials team. You don't have an entire outreach team. It's just you and maybe your partner or someone else in the business, kind of doing it all together. So you're wearing many hats and wearing many hats has sometimes meant that things start to sometimes fall off or you accidentally opened an email that you forgot about and you forget about it for a month, which is not what you wanna do. So I love Monday.com, but I'm also just a fan of the simple stuff. Like I love Google Calendar. I don't write my tasks for the day. I just pop them into the calendar and go “Okay. Around 12 o'clock that needs to be done.” And that has been monumental. And what else do I like? I think I've, I'm also really a big fan of Toggl. Have you heard of Toggl?
Yes. Every VA I've ever worked with users Toggl for time management and you see how much their tasks are taking, and how long their tasks are taking.
It's so good. And it's great. It's also great as a business owner yourself, to understand where you are spending your time. You just kind of click start when you do a task, end it, when you're done, it's good for time blocking, and then it lets you see, are you actually putting a lot of your energy into the right places? So I love it. And it's free.
Yes. Such a good one. And so as we come to the end of our chat, what are you most proud of from your journey with Girls that Invest so far?
What am I most proud of? I would have to say seeing the book in people's hands and seeing the book being used, seeing people highlight them, fold pages, write on them, and pass them on. I think that's just been so incredible, a lot of our businesses and I'm sure your community would agree. Does feel a little bit online these days, we start out and you've got your Instagram, you've got your outreach. You do your maybe your webinars things, you don't get to see people face to face, but to have something physical, to go out there and meet people and see them have an actual direct impact by something that you have created. I don't think there's any bit of feeling than just seeing someone go, “Hey, I bought the book and it really helped. Now I invest.” and that just does it for me.
Yes. I feel like that every time I see anyone post the book on my book. But also your books. Because that's what we hear to talk about, but I hear you. I hear you so much when people are like, it was my dream one day. I'll do it to walk through an airport and have somebody reading my book because then I could go up and sit next to them and be like, “What do you think? Have you done that?” Have you had anyone like reading your book that you're like, that looks like a good book? What's it about? And that they can tell you.
I have, but it's only been, my own friends and family. I also just wanna take a moment to give a little shout-out to your book. We were talking about this earlier off-air. This time last year I was so lost with my business. I just had like a big mental block and I was like, what's next? What's happening? Like, I don't know what I'm gonna do. And I'm a very proactive person. So I went to the bookstore and I was like, I need to find a business book. That's gonna kick me into action. And I looked everywhere and I saw yours and I sort of looked through it and I was like, this is exactly what I need. I was going on a road trip with my friends. And so while everyone was kind of enjoying themselves, I was in the corner with a pen, writing and scribbling in the book. This is my plan. These are my strengths and weaknesses. Like I'm gonna take action. And I mean, it worked, it's helped so much and we've grown from strength to strength and I cannot recommend it enough. I remember messaging you and kind of fangirling and being like, I loved your book. Like, thank you so much for creating it.
Oh, no. Like, the tables have turned and I'm like a total fan. Thank you for saying that. Thank you so much. And I love it, and I was saying it before we hit record. Like, I love that people scribble at it because I don't know if you grew up like this, but you grow up never like defacing a book and always putting things may be in like grayed or something. But I'm fully defacing your book at the moment. Not defacing, but just using it. So putting heaps of heaps of stuff through, so it's funny, isn't it? How the universe has moved because it was lovely to connect with you over my book. And also I am just in awe of your book and I wish I had this book 20 years ago. I might be in a completely different financial state than I am in now, which is, I mean, not in a bad one, but it can always be improved. So what's next for you? I know you have your course that you put out, obviously, you've got the book tour, where can people connect with you, and if people are listening to this thinking, oh my goodness, I've read the book and I want more help or I haven't read the book yet. Like, what's the best way to connect with you?
I would say that we're finally doing out. So we do them only a few times a year. Our Investing Masterclass is coming out in September. So you can just follow us on Instagram to see the updates on that. It is a kind of only paid product that we have besides the book, of course. And it just breaks down, investing in so much more depth. But if you're like, “You know what, I'm not really ready for that stage. I just want like real basics.” The book is a really friendly way to start. It's going to be the kind of thing that you could read and then also gift to like your 12-year-old sister. I think we don't give young people enough credit. They're pretty onto it. And we've seen so many people go, “Wow, I read it. And then I bought six copies for like all my nieces.”
Yes. I have a 15-year-old niece and I thought that too when I was reading it and I was like, I'm totally buying this for Cecille. So good. And just to put you on the spot as well, I'm sure you have a full pipeline of brands lined up, but if brands are listening to this and they're like, I'd like to advertise on her podcast or maybe get you to come over for a conference. We have listeners all over the world as well. Are you open to that? Do they just contact you guys?
Absolutely. Just hello@girlsatv.com. We've done a lot of corporate conferences. Who's worked with MECCA and Lululemon and going into like even HSSBC and Oracle and Salesforce, which is absolutely crazy, but you don't really realize it, but there are so many great successful, smart people out there in the world. And you just assume everyone knows investing, but we don't. So we're always happy to have a chat.
And I think particularly retail head office, so where I used to work, which is part of country road, group, and David Jones and all of that, I think it's like 87% female or it was back in the day. I think those people like particularly, we have such a gender gap in pay, we and, and superannuation and savings and everything else. I think those companies if anyone's listening and needs a speaker, I definitely think need to get in touch with you because the more people that can find out all this goodness that you're sharing the better. Thank you so much, Sim for coming on and giving up your time. And I'm so glad we got here.Thank you for coming onto the podcast and sharing so much.
Thank you for having me. As I said, it's so crazy that literally this time this year I was like, “Oh my God, she's replied to my story.” Like you got the honor and now it feels like you like the book too. So it's amazing.
And I'm like that too. No, thank you so much. I can't wait. I'm gonna actually put this as one of our business book club books for the next round of group coaching as well, so it's awesome. Thank you so so much and enjoy the rest of your day and good luck with all your travel and tours and everything else you have coming up. Bye.
Thank you. Bye.
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What a refreshing chat about money. And I just think that Simran, obviously from what little I know of her through her course and her book and her podcast and some DMS that we've had, I just think she's so genuine and down to earth and it's really changing the world. And I don't mean that lightly. I mean, if I in my forties can read her stuff and listen to it and think, we're gonna do more of this or we're gonna do less of that. I just think that if you can get started earlier in your life with this, what a blessing and just opening up the doors and breaking down walls and all those kinds of cliche sayings, but it really is happening through Girls that Invest. So is it my absolute pleasure to have Simran Kaur on the podcast today?
I would love to know what you took away. I'm sure there are many things that you took away from that, but I'd love to know what you took away. I'm sure Sim and Sonya would as well. So feel free to DM us. You can DM Sim and Sonya @girlsthatinvest all one word on Instagram. You can also send me a message anytime at @mydailybusinesscoach. So yeah, I'd love to know kind of what you took away from this as always, I'm gonna highlight two things that stood out for me amongst many, the first is to be your own advocate. I absolutely loved that Sim talked about that and she talked about particularly with the media, going to a publication and suggesting that they profile them and getting kind of knockback and not letting that deter her.
I know with my book, I actually contacted somebody that I used to study with, and then they recommended somebody else. And then I sent that woman, she contacted me and said, “Do you have a book proposal?” And I said, “Yeah, sure. I do.” And I ran home and made one that day and I sent it to her in around October and I hadn't heard anything. And I was like, don't wanna hassle her. Didn't hear anything for a couple of months. And then I thought, you know what? I really want to have this book published. And I think it's a good proposal. So, you know, she hasn't gotten back to me. So I'm gonna contact her similar to what Sim did was like, “Hey, you guys, haven't got back to me.”
I'm gonna go somewhere else. And I just said, I haven't got back to me and she's like, “Oh my God, I've had such a busy time.” I completely forgot to send it to the person at the publisher. And then she sent it and literally we had a week, I think it was like a meeting the next week. And so it was like if I had never chased that up, I would've talked in my head about, well, she thought it was crap. Or she thought this or that, which was actually not true at all. So I loved that “Be your own biggest advocate” and go for things and don't necessarily take the first, no, as the final answer. The second thing that I love that Sim talked about was the partnership with Sonya and talking about that.
It's not gonna be easy sailing the whole time, but if you can iron out things at the start, and if you can kind of confirm, who's good at this, or who wants that role, it will really help things down the track. I, as I said in the podcast interview, I work with many couples or partners or friends or sisters or siblings, or people that are in a business partnership together. And I think it's so important to sit down and have a real conversation and not just even about roles and responsibilities, but about the allocation of monies that come in from different people's backgrounds. I work with business partnerships where they have been going from strength to strength. I've worked with partnerships where they have broken up and I've worked with people where one person has wanted to buy somebody else out, or maybe they have left the business for some reason.
And there's so much intertwined with that. It's not just business, it's quite often really longstanding relationships. And you wanna be really conscious if you're going into a partnership, particularly with a friend or a family member or anyone that you've got a really strong relationship with outside of the business, that that relationship comes first and that that relationship is nurtured. And it doesn't just all become about talking about the business. In fact, I think my very first interview for this podcast was with Josh Rubin, the founder of Cool Hunting. And he is married to his business partner, Evan. And he talked about some really good advice that his mom had given him, which was to have something in the day that is not work-related and you don't talk about work. And so every time that Josh and Evan have dinner, it's a no-go zone for work chat.
And he said that that has been really important for them in their relationship, which is I think they've been together at least 20 years. I'm not sure how long they've been married, but it's such an amazing partnership and they've built so much together. And so I think it's really, really important. And I love what Sim talked about with Sonya. Just really understanding that one's an extrovert, one's an introvert being really conscious of each other's boundaries and making sure that that friendship comes first before anything else. So if you have listened to this and you are really keen to get in touch with Sonya or Sim or check out their products or their book, you can find all of that information on girlsthatinvest.com. The book is available absolutely everywhere. It is so good. As I said, I'm in my second read of it.
There are so many tips and insights and it really just broken down if you're listening to this thinking I'm not good with numbers or I'm not good at money or all the things that people tell themselves, just know it is broken down in a way that is really easily understood. And it's really breaking down huge sort of financial jargon and other things that people think to get kind of turned off by, in a really great, easy-to-read approachable way, which is exactly how girls that invest are on their podcast and through their social media. So if you wanted to connect with them again, it's girlsthatinvest.com. You can find their podcast everywhere, just search for Girls that Invest. On Instagram, it's @girlsthatinvest. And if you're interested in the Indian feminist, it's @the_Indian_feminist, if you wanted to go through this in text format, you can find the full show notes for this over at mydailybusinesscoach.com/podcast/ 234, as this is episode 234.
And as this is coming out today, the 1st of September, make sure that you check out, you know, when their course is coming out. Because Sim did mention that will come out in September. I am a proud student of that course. And I just think it's gonna really change the world. It is changing the world. I think Sim talks about this in her, in her book as well, but it is particularly with women, if women can feel financially stable and secure, I mean the whole community benefits from that, and the greater world benefits. So thank you again, Sim for coming onto the podcast. And thank you for listening. If you found this useful, I would love it so much. If you could leave a review, just make sure that other small business owners who are out there get to hear all of Sim’s great advice and all the amazing insights and wisdom from all of our guests that have been on the my daily business coach podcast. Thanks so much for listening. I'll see you next time. Bye.
Thanks for listening to the My Daily Business Coach podcast. If you wanna get in touch, you can do that at mydailybusinesscoach.com or hit me up on Instagram @mydailybusinesscoach.
