Money Chill Out

💬 “Why Landlords Should Rethink the Standard Let” with Dan Norcross For many years, standard lets, those 6–12 month tenancy agreements — have been the norm for landlords in the UK: steady income, low effort, and minimal involvement.But with new UK legislation on the horizon, this traditional model is about to shift. Fixed-term contracts could become 1-month rolling agreements, giving tenants more rights and reducing flexibility for landlords.So, what are the alternatives?🎧 In this Money Chill Out Podcast, Episode # 111, we explore: 📜 What standard lets really are, and their pros and cons 💡 What serviced accommodation means in practice 💰 Why it can offer more returns, and more flexibility 🤔 But also, how to handle occupancy and visibility challenges ⚙️ The systems and research needed to make it all workIf you’re a landlord or investor navigating the changing UK property market, this episode is packed with practical insights to help you make informed decisions.🎙️ Tune in to Money Chill Out Podcast — Episode #111: “Why Landlords Should Rethink the Standard Let” with Dan Norcross to learn more.

💫 “Money follows joy, not the other way round.”That’s what my guest Simone Milasas learned after years of struggle, and it completely changed her life.In this week’s Money Chill Out episode, Simone shares how she went from rejecting money while being nearly $200K in debt to creating a life filled with ease, joy, and abundance.For years, money meant frustration, fear, and survival. She was always just getting by, surrounded by people in the same situation, and repeating the same energy of lack.Everything shifted when she met a mentor who encouraged her to use powerful tools that changed her energy, not just her bank account.Here’s what she discovered 👇 💸 Joy with money starts with awareness, not numbers. 💬 The only person who makes it tough… is you. 🌈 Gratitude and generosity open the flow of abundance. ✨ When you judge money, or yourself, you block joy. 💰 Keep or invest 10% of everything you earn. 💖 Before spending, ask: “Will this bring me joy?”Simone’s story is a powerful reminder that money isn’t something to fear or fight, it’s something you can play with, grow with, and truly enjoy.🎧 Tune in to discover how to bring more joy into your relationship with money, one conscious choice at a time.#MoneyChillOut #Podcast #MoneyMindset #Abundance #JoyWithMoney #Gratitude #Wealth #Generosity #FinancialFreedom

“I had to swallow the pill that it would get worst financially before it got better”This week on Money Chill Out podcast I sit down with Sydney Curtins to explore what it really takes to break free from the 9 to 5.👩‍👧 She was a mom who barely saw her kids. 💡 She said: “Enough is enough. I’ll figure it out.” 💸 She understood that all rewards come with risk—and yes, things got tougher before they improved.Here are some gold nuggets from the episode # 109?:✅ Every reward requires a risk✅ Realise how bad you want it ✅ Build your financial cushion: Sydney had 6 figures in savings and a paid-off home, enough to cover 3 years✅ Invest socially ✅ Took the leap while her husband stayed in his corporate role—they lived lean and smart.✅ Most people fail when fear kicks in—they run back to their corporate comfort zone.One of my favorite quotes from the episode:“61% of Americans want to be their own boss… But probably also 61% want a Ferrari. Financial goals must align with your work ethic.”📚 Resources recommended in the episode:Atomic HabitsNever Eat AloneYour Money or Your LifeThe Happiness Advantage🎧 Tune in now to get inspired, grounded, and better prepared to make your move

What if you could invest in one of the most impactful markets for fighting climate change, while also accessing strong returns?This week, I sat down with Valentin Lautier, co-founder of Homaio, to dive into the world of carbon allowances.🔑 Key insights from our conversation:Why emissions aren’t properly priced in today’s economic system.The difference between carbon credits (voluntary offsets) and carbon allowances (a €800B regulatory market).How allowances have delivered 25% average annual returns over the past 10 years.Why they behave like a hybrid asset : part commodity, part currency, part equity.The role of regulation, risks, and opportunities for investors.💡 Until recently, this market was off-limits to individual investors. Platforms like Homaio are changing that, making it possible to invest with as little as €1,000.If you’re curious about sustainable finance, portfolio diversification, or the mechanics of the EU carbon market, this episode is for you.

What happens when the stories we tell ourselves about success, purpose, and money start to break down, when logic fails and our minds can’t “solve” life anymore?In this powerful conversation about wealth, power and purpose with Margherita Pagani, we dive into the deeper layers of wealth, beyond bank accounts and balance sheets. Together, we explore a broader, more holistic view of wealth through 4 dimensions:IdentityVitality & healthRelationshipsResourcesBecause it’s never just about the money.✨ You might feel "successful on paper" but disconnected inside. ✨ You might be stuck in cycles : financial, emotional, generational. ✨ You might feel lost, or like your purpose has gone quiet.And that’s okay.You’re not alone. There are signs. The mind isn’t the first responder, it’s the last. But we can reclaim our lives. 🔑

“What is not financial today will be financial tomorrow.”In this Money Chill out podcast episode with David Kalfon, we explore why responsible finance isn’t just a trend—it’s a necessary lens for evaluating long-term value.David started Sanso Longchamp AM 14 years ago. Today, the firm manages over €3 billion in AUM with a team of 40 investment professionals.Key insights from our conversation: 🔍 Responsible investing means more than just P&L—it’s about governance, social impact, and environmental risks. 🌍 Climate risk is real: floods, fires, and forced migration will impact every sector. 🛡️ A truly forward-thinking fund doesn’t just avoid fossil fuels, it actively assesses how companies adapt to climate risks. 🎯 Even non-renewable sectors (think software, manufacturing) must manage environmental exposure to remain viable. 💡 Sanso Longchamp distributes 10% of its management fees to associations, a decision that’s had a deep internal impact.💬 David also shares how market cycles have shifted since 2020, from a peak in ESG interest to recent pressures from inflation, energy prices with wars, and performance shortfalls.📈 So how do they build a responsible portfolio? ✔️ Climate risk filter ✔️ ESG indicators ✔️ Strong financialsIf you're curious about where responsible investing is going next, or how financial strategy can align with purpose, this one’s a must-listen.

💥 Michelle craved acceptance and belonging so deeply, it drove her into serious financial trouble.Despite juggling multiple jobs, she found herself buried in:💳 Personal loansA 4th repossession💔 Financial trauma📉 She wasn’t lazy. She worked hard. But the numbers never added up.The turning point? Hitting rock bottom and having a brave moment of honesty and accountability.💡 In this episode #105, we talked about:How financial illiteracy is a hidden barrier that keeps people stuckThe role of our environment, fears, and internalized beliefs in shaping our money mindsetHow financial instability affects our mental, emotional, and physical healthHer memoir "Bluebirds" which is a call to action to face reality, speak up and ask for helpWhy financial education must become a priority in social justice—because we can’t fix what we don’t talk about.Michelle also dives into her vision for #stability: 🌍 Launching free financial literacy programs this fall in Atlanta, then Mississippi 🚀 Her dream: Headquarters in every major U.S. cityThis is more than a conversation. It’s a movement.

🎓💰 Why Student Loans Are More Than Just a Personal IssueThis week on @Money Chill Out podcast, we tackle a topic affecting 45 million Americans and counting — student loans — with @Cédric Howard.📊 With $1.7 trillion in debt and average balances nearing $29,000, this isn’t just a financial problem — it’s a political, planning, and priority issue.In this episode #104, we unpack: ✅ Why state funding cuts triggered a tsunami of student debt ✅ Misconceptions — yes, anyone can end up with student loans ✅ The true cost of borrowing at 8–16% interest rates ✅ Smart strategies to manage or defer payments ✅ Why forgiveness is politically powerful — but not always fair ✅ What the future might hold: more applied, hybrid learning paths💡 “Don’t let your loan consume you. Use the same drive that got you the degree to pay it off.”Whether you’re paying off debt, planning for college, or curious about the system, this episode offers clarity, perspective, and hope.

💔 From 1m Profit to Bankruptcy — and the Powerful Rebuild That FollowedThis week, we dive into the rollercoaster journey of @charline Goutal, an inspiring entrepreneur behind Naia Paris, a bold French lingerie brand that dared to redefine femininity — joyful, confident, and unapologetically real.🎧 It’s a raw and inspiring conversation about:✨ Building a brand with soul — Made in France, expanded into loungewear, swimwear, and ready-to-wear ✨ Hitting €1M in profit,✨ Suffering endless external shocks : A business partner’s sudden departure, social unrest, and COVID✨ Facing the unthinkable: bankruptcy. ✨ The emotional toll of losing the company she built with love ✨ Letting go — not as failure, but as survival ✨ Rebuilding from scratch with more maturity, humility, and purposeAt 34, she found herself back at her parents’ house, baby in arms and brokeFour years later, she’s launched a new venture — stronger, softer, and unapologetically wiser.💬 “You didn’t do anything wrong. You tried your best.”This episode is for every entrepreneur navigating uncertainty, the highs and the lows of business, burnout or reinvention. It’s honest, healing, and deeply human.

“You need to money to live so it’s better to love what you need!” ❤️In my latest Money Chill Out episode, I sit down with Vanessa Mindset, a former banker turned money coach, who knows firsthand how our beliefs about money shape our reality.🚀 Her journey? From poverty and money anxiety, she now feels comfortable and financially secured. She didn’t just learn about money—she mastered the psychology behind it.🔥 Her approach? ✅ Laughing around money—because adding more anxiety doesn’t help! ✅ Tackling emotional spending and subconscious money blocks. ✅ Challenging financial myths (like the pressure of 50/50 in relationships!)💡 Her #1 lesson? You change what you think, you change who you are—and your financial reality follows.

💭 Think financial fairness means splitting everything 50/50? It’s time to rethink that.The truth is, it’s an illusion to contribute 50/50 all the time—and that’s okay. What matters is equity, not equality in how couples manage money.On today’s episode of Money Chill Out, I’m thrilled to welcome Marie Lahya, founder of À parts égales, to explore how couples can build a fair financial approach that works for both partners.🎙️ Episode #102 – What We Cover: 🔹 Why Marie Lahya became passionate about personal finance 🔹 The key difference between equity vs. equality in money matters 🔹 How an equitable approach makes daily financial decisions easier 🔹 Tips for opening a healthy financial discussion with your partner 🔹 How she approaches real estate investments as a couple💡 This conversation will challenge your thinking about money in relationships. I urge you to listen and reflect on how you and your partner handle finances!

🎉 Money Chill Out Podcast: EPISODE #100! 🎙️✨Wow… can you believe it? 100 episodes! When I started this journey, I had no idea where it would lead, but here we are—four years later, still inspired, still learning, and still growing.This milestone wouldn’t have been possible without YOU—our amazing listeners.Whether you’ve been tuning in since day one or just discovered the podcast, I appreciate every single one of you. Your support, feedback, and enthusiasm fuel this journey!To celebrate, I’m doing something different for this special episode. Usually, I’m the one asking the questions, but this time, I’m sharing my own story. In an exclusive interview, I open up about:💡 How I built my coaching business from scratch 💰 The mindset shifts that changed my approach to money & entrepreneurship 🌍 My journey from London trading floors to coaching clients across five continents ⚡ The key lessons I’ve learned from working with people at every stage of their financial journeyThis podcast started as a passion project—a way to bring financial literacy, empowerment, and money peace of mind to more people. And today, it’s grown into something much bigger: a community, a conversation, and a tool for real transformation.So here’s to 100 episodes down—and many more to come! 🚀

This is the story of an unusual kid🎙️At just 7 years old, Charlie set a goal: financial freedom. By 12, he was doing small jobs. By 16, he was working. By 18, he bought his first house. By 21, he was financially free.💡 But here’s the twist—money was never the goal. Freedom was.Now that he has it, how does he ensure he doesn’t feel lost?In Money Chill Out #99, we dive deep into: ✅ His incredibly intentional journey ✅ What helped him achieve financial freedom so young ✅ How he avoids the “now what?” trap ✅ What he’d do differently if he could start over ✅ Why excuses are dream killers ✅ The importance of structuring your time

Loss & Financial Survival: A Must-Listen Conversation 💰At 40, Donna became a widow with three young kids. In the midst of grief, a few key things saved her financially: a solid financial advisor and life insurance. Now, she dedicates her work to helping families navigate major financial transitions.On Episode #98 of the Money Chill Out Podcast, we had an eye-opening discussion about: 🎙️ The crucial role of life insurance 🎙️ Financial surprises that come after a spouse’s passing 🎙️ Her widowhood guide 🎙️ How to protect your family’s future 🎙️ The financial decisions she would have made differently 🎙️ Why prenups matter when you (re)marryThis episode is packed with real-life insights that could make all the difference in a family’s financial security.

"Am I going to be okay?"This is, without a doubt, the most frequently asked question in financial planning. It often comes in different forms: 💰 Can I afford to retire when I want to? 🏡 Can I maintain my current lifestyle?For Money Chill Out, I had the pleasure of welcoming Lee, a lifestyle financial planner, to dive deep into these questions.In this episode #97, we discussed: 🔹 How financial planning has evolved over the past two decades 🔹 The essence of lifestyle financial planning 🔹 Key aspects of building a solid roadmap 🔹 Unique financial considerations for expats 🔹 The big question: How much is enough?Tune in for valuable insights that could help you take control of your financial future!

Music is a universal language— it’s everywhere, shaping culture and inspiring millions. But behind the fame and fortune, valuable money lessons must be learned.That’s exactly why Money Chill Out Podcast episode # 96 dives into the wins and fails of music legends to bring personal finance insights to life.With Drew Boyer, CFP®, author of Hip Hop and Finance, we discussed his book packed with fascinating success stories and cautionary tales from the music industry. Whether you're a die-hard music fan or just looking for smart financial advice, there’s something in it for you!

Do you believe the energy you carry in your subconscious beliefs, emotions, and values dictates your ability to attract, circulate, and hold on to money?If yes, you’re at the right place!Today for the Money Chill Out Podcast I have the pleasure of welcoming Kayleigh Provins, a money mindset coachIn this episode # 94, we spoke about :💡 What is money energetics💥 What are the most common beliefs around money🌈 Why money is linked to water🎯 How to reach effortless wealth creation

Rich and happyHow do you find the right balance?How can you have the money, the career, and some personal achievements?Lucie Lachaux may be able to helpShe has been in this situation. At 29, she was CFO, but something crucial was missing. She felt empty and found it hard to connect with people.So she quit, and fast forward she now coaches top achievers to also thrive in their personal lifeIn this Money Chill Out Podcast episode # 94, we spoke about : 💥 Why she quit her CFO role💫 How she reconnected with herself💰 How she planned to leap money-wise‼️ The hardest thing in her journey🌈 Tips to increase your happiness

Are you bold with your money?Do you dive face-first into investment projects?Do you have a very high risk tolerance?It's rare to hear women so audacious about their finances, so today, I am thrilled to welcome Melissa M. In this Money Chill Out Podcast #93, we talked about :🔥 Being a serial entrepreneur🚀 What is her definition of being audacious💫 How to be bold with money?🤩 Her bold money moves💡 How she does it

Do you want to get empowered with the biggest purchase of your life?And have a zero-stress mortgage experience?“People fall in love with properties without sitting down to do the maths”, don't be one of them! 💥Today for the Money Chill Out Podcast, I welcome Jennifer Beeston, one of the top 1% mortgage lenders in the USIn this episode # 93, we talked about :💫 Key elements of a mortgage✅ Her best tips‼️ The main mistake people do🤔 Why so many people don't remortgage?🎯 The process to get the best deals🌈 Expat considerations