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Money Without Fear: How Small Steps Lead to Financial Empowerment with Lacy Garcia

Money Without Fear: How Small Steps Lead to Financial Empowerment with Lacy Garcia

Update: 2025-11-13
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“The only way you're going to be able to grow wealth and get ahead is to start to do that today.” —Lacy Garcia


Money stress does not get quieter, it compounds— late bills, confusing advice, and life changes make it louder. But this does not mean you failed; it means you need a clearer map. Small, practical moves paid consistently will change your life more than one sweeping overhaul.

Lacy Garcia turned a difficult personal money moment into Willow, a wealth-tech platform that matches people with financial advisors trained to work with women and next gen investors. Her core insight is simple: make finance nonjudgmental, break it into baby steps, and get the human help that fits your life.

Check this episode and get practical tips on tiny daily money moves, how Willow matches you with the right financial advisors, the basics of wealthtech, side-hustle and small-business money tips, and concrete next steps for divorce, career gaps, parenting and retirement planning.


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Episode Highlights:

02:02 Meet Lacy and More About Willow
09:52 Financial Education and Mistakes
20:17 Willow’s Services and Matchmaking Process
31:13 The Need for Better Financial Education
37:30 Transitioning to Financial Independence
44:47 The Importance of Financial Awareness and Where to Get Help


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Get a 15% discount when you shop at: clearstem.com 

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Connect with Lacy:

Lacy Garcia is the Co-Founder and CEO of Willow, a purpose-driven fintech company revolutionizing financial empowerment for underserved communities. Her work focuses on making financial planning accessible, especially during life’s major transitions such as marriage, divorce, and entrepreneurship. A recognized industry voice, Lacy blends personal experience with strategic insight to challenge the “male, stale, and scary” norms of traditional finance. She is a passionate advocate for inclusive fintech, women in leadership, and shame-free financial wellness. 


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LinkedIn

Instagram

Facebook

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Money Without Fear: How Small Steps Lead to Financial Empowerment with Lacy Garcia

Money Without Fear: How Small Steps Lead to Financial Empowerment with Lacy Garcia

Heather Nelson