Rewriting the Rules of Money: Empowering Women to Build Wealth with Purpose and Confidence with Emily Green

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Adrienne Garland: Leadership isn't just changing. It's evolving in ways we're only just beginning to imagine. And women, we're not playing this game anymore. We're the ones reshaping the entire field, building models, movements, and businesses that serve more than just a few. On the She Leads podcast, you'll hear real conversations with women who've broken through all kinds of barriers, revenue, identity, borders, and expectations.

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Adrienne Garland: There's no sugar coating here, just the truth told by those who are living it. I'm Adrienne Garland, entrepreneur, strategist, educator, and creator of live experiences, gathering women leaders together for over a decade. And this is the She Leads podcast. Hi everybody and welcome back to the She Leads podcast. I am very excited to welcome my next guest. Her name is Emily Green and she is the head of wealth management at Ellevest. Welcome to the She Leads podcast, Emily.

00:01:05
Emily Green: Thanks for having me.

00:01:08
Adrienne Garland: So, I'm very excited to talk to you because you lead a team that is dedicated to helping high-net-worth women, families, and institutions achieve financial strength and independence. And over the last couple of months at the She Leads podcast, we really have been transitioning what we're speaking about because we're super interested in helping women to really achieve the million-dollar mark in their business and beyond. And Ellevest has also, I think, been on that same sort of journey. So, I first want to talk about you, Emily. So, how did you come to be the head of wealth management at Ellevest?

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Emily Green: Yeah. So, I knew I wanted to work in some sort of financial services. I graduated in the financial crisis, which is one of those things you can't control but don't recommend to people within there of graduating in an enormous crisis.

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Adrienne Garland: Yeah.

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Emily Green: And just kind of like what I'm going to do. And so I ended up moving to London for a year and when I came back I got a job at JP Morgan. And you know some things in life are very purposeful and some things are accidental. I really wanted to work in private wealth management, but everything was on hiring freeze. Then I got a job working in the commercial bank with large corporations and it was actually a great experience because I got to very early on in my career work directly with clients which showed me that I wanted to be able to talk to people on a day-to-day basis that I wasn't just a number cruncher. I really liked people and the managing director I worked for happened to go to the private bank and asked me to go with him.

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Emily Green: You know, long story short, when I was at JP Morgan, I saw this need actually for women entrepreneurs to have financial advocates to have people on their side because we were managing money for the wealthiest people in the world. I lived in New York. It's an enormous bank and so we're managing money for all these people, all these people who are selling their businesses, IPOing, you know, inherited wealth, all of this within that. And I would see all these instances when I think the most stark would be when there'd be a male and female co-founder and they go to sell or IPO. And at that point, you know, these are people who probably spend like 18 hours a day together when they're building a business, maybe more.

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Adrienne Garland: Yeah.

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Emily Green: And you know, you'd sit there and be like, "All right, now here's all the things we need to structure. Here's all the things you need to think about." And he would say, "Oh, I already started that trust years ago and put some of my shares in it and I, you know, moved money to my children and all this." And she would say, "What? Come again?" And so, I really wanted to focus on helping these women entrepreneurs as they went through these amazing but really hard transitions in their life. That brought me to Ellevest.

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Emily Green: I knew who our founder Sallie Krawcheck was. She's a powerhouse in the financial industry and she had started Ellevest in 2014 and launched it in 2016. It was just a robo advisor, a digital adviser at the time, but we had a lot of wealthy women coming saying like, "Why? What about us?" So I met Sallie and you know kind of speaking of entrepreneurial journeys you know I worked at this large corporation like 250,000 people working and I basically created a startup in a startup also a wild experience within there. Let's take somewhere that has little resources and then find a way to give you less. Um but it was really fun. It was really wild. You know I kind of always joked to her she handed me a MacBook and like told me to go. And so it was really one of those things that started off just a lot of like what are we building and really building that line of business from scratch.

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Adrienne Garland: Yeah, Ellevest started in, I do want to give the listeners in case they don't know just sort of a little bit of the background of Ellevest. So Ellevest was started by Sallie Krawcheck and it was when you say a robo adviser, it was women any woman that had some money to invest, they were able to invest into a fund. Is that how it goes?

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Emily Green: Yep.

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Adrienne Garland: Go ahead.

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Emily Green: Yeah. No, I mean I think this is part of the journey as well. Like our original thesis was that there was a, we all talk about all these gaps that we have as women and we were looking at the investment gap and so the fact that women keep 70 cents of every dollar in cash that affects a high net worth woman millions of dollars over her lifetime. The average woman hundreds of thousands of dollars. And so when we looked at that, you know, it was really thinking about, we all talk about all these different gaps, but really that the retirement crisis in this country was a woman's crisis. And so created a digital tool that women could go on.

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Emily Green: And we spent a lot of time with women asking them why they weren't investing. And what we started to realize is they didn't care about the gamification of investing. They cared about were they gonna be able to achieve their goals? And so we started with the average, you know, with a woman being able to put a dollar, $10,000, $1,000 online and saying, "I want to retire when I'm 70. I want to pay for my kids college. I want to whatever that may be." And it would solve for you how it would invest and it would automatically do it. And then tell you like you need to be adding $30 a month to get to that goal or whatever it may be. And really just a digital investment advisor to get women to grow that wealth. From there, we added on financial planning and then the wealth management business a couple of years later, which then served people who needed more tactical advice and then more mass affluent and high net worth individuals.

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Adrienne Garland: Great. Thank you so much for giving everybody that background. And now, Ellevest in the last several months has sort of peeled off that robo advisory as you sold it and you sold that business in April 2024.

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Emily Green: In 2024.

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Adrienne Garland: And you are now only focused on serving high net worth women only. Correct. Or is it everybody?

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Emily Green: Yeah, we focus we have financial planning which I look at if you've never heard of the term HENRYs. So these High Earners Not Yet Rich group within here which is an interesting group and those are people who need that advice to become to really generate that wealth or to start a business or to buy their house or to do all these things. And so the financial planning day-to-day and those people pay us on a monthly basis. And then we have our more traditional high net worth business which is for women who have accumulated $500,000 or more for one offering and a million dollars or more for the offering that we've had for the longest period of time. But really, you know, we sold it's been an interesting journey and it's hard when you actually give up your original identity.

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Adrienne Garland: Yeah.

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Emily Green: But it's actually been one of those things that you realize you're doing too much. You know, I think maybe you went through this too.

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Adrienne Garland: I'm going through this.

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Emily Green: Yes. And so it's we're we started the process about a year ago and the deal closed in April and you know we're kind of you know seven eight months off of that now. And it really is like there's a lot of clarity going into 2026 saying, "All right, now we can now we know who we are".

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Adrienne Garland: Can you describe uh you know obviously without giving away details of anybody at all, but can you describe maybe the differences that you see in the women that maybe originally started in investing in Ellevest back in the day versus the women that you serve right now? What sort of what is the difference in either their outlook or you know is it an education thing. I would love to just understand that a little bit more.

00:09:25
Emily Green: Yeah. Similarity. Actually, everyone says they need more education, but no one wants to actually have more financial education because we all have better things to do with that. But, you know, it's really interesting. So, the digital business was started launched to the public in 2014 or 2016, excuse me. So, 10 years ago. And so, I actually think that that original digital client is that high net worth client today. She grew up.

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Adrienne Garland: Interesting. Wow.

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Emily Green: Wow. And so it's just that we weren't like the new generation is different within there, but she grows up, you know, like that's the path. That's the goal. That's what you want is that you start and you start to to save and to invest and to grow and then you get to this point that you really are more focused on your long-term goals. And it really is, you know, when you're first when you're early on your money journey, your day-to-day becomes much more focused on your budget and those types, you know, like those types of decisions. And then it becomes a world where I like to think of like you just have like buckets that you're trying to figure out where you're putting your time and money into. And it becomes much more about trade-offs in life and like bigger trade-offs like well, do I want to move to this suburb where I can have an enormous house or do I want to stay in the city and you know have that it costs XYZ.

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Emily Green: You know what are the trade-offs? Do I want to leave my we have a lot of clients where they made money and they're actually looking for a more fulfilling life at this point within there. So what does that mean? Like we see that a lot. And so it's like redefining what like career transition means because they're looking for something different. And so it's really someone who's on the other side of that who am I going to be when I grow up, you know, a little bit and it's figuring out like how do I make my life as fulfilling as possible.

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Adrienne Garland: Yeah. And I think that that's what money really is for, you know, humans in general, but I think women are really attuned to the fact that you need money to do the things that you want to do. It's not I mean, this is a sweeping statement. It's not necessarily money for money's sake. I mean, although that's great, but it's like what, you know, what can this buy for me? Just one other question about the women, and I really love how you said it. It's sort of like what you set out to accomplish, you achieved because you, you know, gave these women education. You gave them a vehicle to invest. And Eureka, you know, they are at the point that they're, you know, they're now 500,000 or a million dollars in assets or more. That's amazing. But the other question that I just had, just because I love to dive into this a little bit, are the majority of these women, did they sort of earn their money through working for somebody else or sort of what's the mix between like women that are entrepreneurs that, you know, built this wealth and women that were working or in a professional field, you know, somewhere else?

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Emily Green: Yeah. It's interesting. We actually just did a client survey too where we're just like looking at like who our clients are now, and we certainly have a group of clients who, you know, worked in corporate America and saved money every year and put money to their 401k and those types of things. But we have a really big group of people who I'd say are either entrepreneurs on their own right that they actually started a business or they were like very early employees at some of these startup eBay and Amazon.

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Adrienne Garland: Yeah. Yeah.

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Emily Green: A lot of people who worked very early on like, you know, created some very amazing things at these places. But, you know, people who tend to think differently because I think that, you know, if you're coming to a place like Ellevest, you're looking at something, you want something that's different than corporate America can give you within there. You're not satisfied with what the banks can give you within there because that's not how you live your life, on a day-to-day basis you've chosen yours and so a lot of people who have chosen to do very interesting things you know we actually have a lot of clients who are fund managers like venture capital fund managers within there so investing in entrepreneurs as well in that ecosystem that kind of pulls us all together.

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Adrienne Garland: Amazing. Yeah, it's almost like a little bit of self-selection. I was just really interested to hear what that sort of mix was and now there's the great wealth transfer that's happening. So more and more women, older women primarily I would assume, are going to be managing or having access to billions and billions of dollars in wealth. Can you talk about that great wealth transfer and what it means for women in general?

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Emily Green: Yeah, so you know depending on where you read this is, you know, 89 to $124 trillion dollars.

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Adrienne Garland: Gosh. Trillions.

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Emily Green: This that is moving the next generation, you know, within here. This is the largest generational wealth transfer ever in history. And so a lot of people when they talk about their great wealth transfer talk about just that, the generational wealth transfer. But what a lot of people forget about is what you're alluding to. It is that women live longer than men.

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Adrienne Garland: Yeah.

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Emily Green: It is a stated fact six to eight years longer. You look at the statistics, you look at insurance company looking at women live longer than men. And so who is getting that money first? So everyone's focused on the millennials and like the Gen Z's and such, but it's her. It's her that's getting the money first. And we're seeing that actually at Ellevest. And so by 2030, women will control 50% of the wealth in this country.

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Adrienne Garland: Wow.

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Emily Green: Wealth. Yeah. Wealth is very powerful. It's a tool. It's a tool that we have in order to make change to do the things we want to have the representation. And so I just want to like that is comparison to we look at a lot at the wealth gaps. And so the wealth gaps in this country today is that a white woman has 30 cents to a white man's dollar. A black woman has one cent to a white man's dollar there.

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Adrienne Garland: Oh god.

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Emily Green: That is enormous gaps in terms of the way we look at the world and how we get represented. And so you even think about politics. No matter what side of the aisle someone sits on, women give 30 cents of every political dollar to politicians within here. That matters within here. That shows in how you are presented by whoever your congressperson or senator or those types of things are. That matters within here. That looks at you know who gets funded as entrepreneurs. You look at the gaps within there. So all these types of things. You look at the gaps that exist and there's all these funding gaps that exist from the investment gap to you know we always, the venture capital gap and how women get funded within that the 2% that have been talked about for years and women having this wealth gives us the opportunity to create real change. Yeah. In the way that we look at capital in society and really ownership and where that goes next because we have seen that women tend to give 80% of their money back to their community in some way within here. So that changes how we really look at money and the relationship to money.

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Adrienne Garland: Hey everyone. So for years I've been working with Dr. Kent and sending people in my network his way. He does so much impact work. What do I mean by that? Well, he helps people create books and podcasts and things like that. He even helps with this podcast behind the scenes. Dr. Kent is my thought partner. Anyone listening knows that we all need to do what we can to get our thoughts, opinions, and voices out into the world and how important it is for women to invest in other women and for women to hire other women. I am all about that and you all know that. But in this case, I think Dr. Kent is an exception. He's doing something really different via this new program that he's launched called the Genius Discovery Program. So, he wants to work with people like me and like you who are impact driven.

00:17:55
Adrienne Garland: Dr. Kent has an intensive program that goes for a month. He also has a three-month program where he figures out where you're headed with your brand, your business, your speaking, and your signature story as a thought leader. I've known Dr. Kent for a long time. So, believe me when I say that he has a ton of experience working with people that are looking to make an impact, but might not know exactly how to approach them. So, if you're interested in talking to him, you can go directly to talktokent.com or you can send me a DM on Instagram at She Leads Media or just shoot me an email over at hello@sheleadsmedia.com.

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Adrienne Garland: This is such a fascinating conversation that I think requires a lot of discussion that we probably don't have time for today. But I'm just very curious with, you know, you even see it with... Oh my gosh. I'm thinking Mackenzie Phillips and that is so not her name. McKenzie...

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Emily Green: You know. Yeah.

00:18:54
Adrienne Garland: Yeah. I wanted to say her actual last name.

00:18:57
Emily Green: But you see that she's Scott. Mackenzie Scott.

00:19:00
Adrienne Garland: Mackenzie Scott. Thank you so much. We're all coming off of holiday break and our brains are not quite working yet. Mackenzie Scott. So, she has done a phenomenal job of contributing to, you know, many non-profit organizations. And that is such a beautiful thing. And I think that when we think about women that that persona, if you will, of a wealthy older woman, you think foundations, you think donations. And so when I hear you talk about, you know, the great wealth transfer and the fact that, you know, that is truly giving, you know, not on an equal basis, the white women to black women, brown women and everything else, but it's giving women in general the ability to have power that we don't necessarily have today.

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Adrienne Garland: Do you see that there might be a gap because women know how to donate? I would say they know how to start foundations and give, but this other aspect of taking that money and truly making it work for policy change and more actual societal changes. What do you think that women need to do in order to learn how to use money not just by giving it away but to actually make change?

00:20:15
Emily Green: Yeah. No, it's spot on because a lot of you actually will if you talk to a lot of women who have received wealth in some way and they're partnered, they will say, you know, when you always discuss like how do you deal with money with your partner, they will say, you know, I can go to the charitable organization and write a $10,000 check without asking him, but I couldn't make a $10,000 investment without asking him within here. And so, like, why, you know, those are the same like that's actually money out the door versus money that's meant to grow within here. And so, you know, that's a very societal thing when you look at it. And so, that women, you know, give away the money, they don't actually make the investments. And there's a lot of things that need to change. You know, 99% of the money of $69 trillion managed in this country is managed by white men.

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Adrienne Garland: Yeah.

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Emily Green: And so number one, like a woman gets the money, 80% of women the year after their husband dies leave their joint financial advisor within there. So like there's all these statistics that just show you like why like it's just it's really stark that you're like, "All right, if 80% of people leave, no, there's not product market fit there within that." Like something is wrong that we need to figure out. Like you know, you'd think you'd have some smart people sitting in there saying this is a problem we really need to figure out.

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Adrienne Garland: Yes. Like this is that happen more and more.

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Emily Green: But a lot of so and a lot of it is that you know within here it's a lot of the societal thing you know that we believe that boys are better at math than girls. It just you see that in in it's it shows up in math scores. You know it shows up in the way we look at women's magazines. You know you're taught to like not not purchase something. Oh why are you buying your coffee every week? Like I remember we wrote an article a few years ago It was buy the effing latte. And it was demystifying this whole idea that that if you stop buying your $5 latte today, you'll somehow become like worth like and we did the math on it and it was just like well you know like all these things and frankly like to our point earlier like money is meant to make you happy within there and so like maybe you need your $5 latte every day like that's what makes you happy. I remember my mom who's in her 70s called me and was like, "Honestly, this article changed my life. I feel guilty every day for buying my latte." Like my mom has career and all these things. I'm like, "This is crazy." Like, "This is what society's telling us".

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Adrienne Garland: Yeah.

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Emily Green: And so, for me to really take a step back and I always encourage women to take a step back and especially when you get into these positions and understanding what are the money beliefs that you have about yourself, about women, about all these things like what is it? What were you how did you grow up? And so, what did you see in your household? Did you grow up in a household where your mom didn't deal with any of the money? Like what did that mean to you? And so like what are those beliefs and how do you make those like undo that for yourself within? And you're not going to just write it down and be like everything's changed tomorrow. It's a process. But then, you know, working with someone who can help you to do that because it is it's really important. And as I said at the beginning, you know, these for this level of woman, for a high net worth woman, that's costing her millions of dollars over her lifetime if she's sitting in cash, if she's doing things with it. And I see this all the time for people and it's that is costing you and stop maybe even thinking about it in terms of just like the stock market because I think the stock market always sounds scary but like what are the decisions I'm not going to be able to do because I didn't do this within here like that's a trade-off you're making that you decided not to take control of this means that you're not going to be able to retire when you want to or you can't buy that second house or you can't go start the business you want to or you can't pay for your kids college, whatever it may be. Like that's an active decision that you are making by not taking control of that.

00:24:25
Adrienne Garland: Yeah. God, this is such a powerful conversation with the great wealth transfer. Is it going to older women that might you know they are definitely more societal like society programmed than some of the younger generations. So the majority is going to go to them, is what I'm hearing.

00:24:45
Emily Green: Yeah. I mean, there's definitely a lot to the millennials and Gen Z, but you know, I think it is interesting some of the things we've seen and you're spot on. Like I've seen this, you know, I live in New York, very liberal open place within here, but I've traveled the country having these conversations and we were in a very conservative southern city. And it was really interesting because we were having this conversation and there was one of these like women got really offended by this conversation. And it was my one of a close friend of mine who had brought us down there and wanted us to kind of shake things up by having these conversations. And I asked her afterwards like why was she so offended by this? And you know my friend said to me, you know, you're you are breaking the mold of everything she believes. Like she believes she only has wealth because of the way society has been structured. So you like giving her the power to the money is actually not a good thing to her, which is really interesting to think. On the flip side, one of the things I've been seeing as people have inherited money is that the generations are talking about money together.

00:25:55
Emily Green: And so we've seen that the mom and the daughter come to Ellevest together and say we need help and the daughter pushed her to do it, you know, like this is where we should be within. And then you joint have conversation. Like I have one client where it's funny like the mom will often be like I can't afford to like redo my kitchen. I can't. And then her daughter calls us and we'll say like, "Hey, can you call my mom and tell you can definitely afford or like, you know, and she's older and so like one of her goals was to take her family on like a pretty nice trip every year." And every year she's like, "I just don't think I can afford." And her daughter would call me and be like, "Hey, she doesn't want to pay for us to go to Mexico again. Can you like give her a call and tell her she can?" And just like the push from the younger generation who I think doesn't have not as scared of having those conversations about it. It's not ingrained with them about that.

00:26:50
Emily Green: And they're also not as afraid to like push their parents to say like I want to know about this like and I we encourage a lot of our clients to do it but like to call their parents like what is the situation like what does money look like? A lot of people didn't used to do and it just like came in your lap one day and you were like I had no idea that this was a situation. And I know it surprised people but that can actually cause a lot of resentment. You're like yes I have money. But it caused a lot of resentment to never have felt prepared for it.

00:27:25
Adrienne Garland: Yeah. And I think this is a super interesting thing too because I think that in this scenario that you're describing, I laugh because I can see this very much with myself and my mom and there's the there's the maybe pushing from the younger generation, but then the older generation also having respect for their daughters who they saw truly broke the mold. Like I know that when I graduated college and you know I I had a job and then I wanted more and so you know I I went for another job and then I wanted more and I went and my mother you know was like what are you doing you know stay put and I was like well why I can make more money going here I can learn more I can you know accelerate through the organization and I think after a certain point she's like I'm stopping asking you clearly know what you're doing so I think that that that translates to this conversation now where the daughters are saying, "Come on, mom." Like, "Let's talk about this." And the mom's trusting their daughters.

00:28:20
Emily Green: Yeah.

00:28:21
Adrienne Garland: Which they're taking them along for it and they're allowing it. Yeah.

00:28:25
Emily Green: Yeah. Because I do think that the, you know, the women that are of that certain age were, you know, if they were not independent and they did very much rely on their husbands to tell them like, "This is the decision that we're making. And here's why. So they really don't they're not educated and they're fearful and they have a right to be fearful because they never had to deal with it.

00:28:48
Adrienne Garland: It's the majority of women.

00:28:50
Emily Green: Yeah. The majority of women have a negative surprise after their husband's death.

00:28:54
Adrienne Garland: Yes.

00:28:55
Emily Green: And so about money within there. And so you think about that and that also just like you know anything something's bad. It's like you know if I go for a run and I twist my ankle I'm like I don't want to run again. You know so like anytime you're reinforcing negative things around something, you say, "Oo, do I really want to engage in this thing that's making me feel so bad?" and so there sometimes is that push that's needed to say, hey, this is important and you need to deal with it.

00:29:25
Adrienne Garland: Yeah, I love that. So, does Ellevest have any sort of just like without even being a client, like is there some information that people can get if they do find themselves, you know, in this position where one day they know that they're going to inherit some money. Like what would be the first steps that you would say someone should take to just really prepare themselves?

00:29:48
Emily Green: Yeah, that's a great question. So, we have a lot of resources on our site. We write a lot of content. We have a ton of content just for kind of anyone kind of think like from very very specific things to very broad things. You know, I think to start to For me, we talk about this concept of wealthcare a lot at Ellevest and that really is like using money to maximize your life within there. And so thinking about how are you making those decisions? How are you making those trade-offs and to maximize your life instead of just focusing on like am I going to get an 8% return from this?

00:30:25
Emily Green: And a lot of that starts with thinking about what your values are. And so if you know you're going to be in this position, I think getting really crisp on who you are and what you care about is really really important because it's really hard to make decisions that matter to you if you're just making decisions that your neighbor made within there. Like that's where I see so many mistakes happen where it's like, you know, it's a keeping up with the Joneses thing or you read a rule of thumb or all these different types of things. And like who kind of cares what your neighbor does if that's not what makes you happy? That's not the point. We only live one life. That's not the point.

00:31:00
Emily Green: And so really thinking about how like who am I and what do I care about? How do I most want to show up in the world? And then there's little things you can do when you're going to start to be this person and thinking about, you know, how is my even spending right now aligned to how I want to live my life? And you start to have reflections on these types of things because again, this is not, you know, I was doing a radio interview this morning and we were talking about these little like micro changes that you can make and it is it's the beginning of the year right now. Everyone makes resolutions and it's like the same thing as going to the gym. If you're like, I'm going to go to the gym now. I didn't go once last year, but I'm going to go seven days a week for two hours. Like, it's not going to happen.

00:31:45
Emily Green: And so, it's the same thing with money. And so, like, how do you put actionable things in your life to actually create change? And a lot of that beforehand is just understanding who you are and then just understanding like especially if you're an entrepreneur, you do this on your business, what is your balance sheet, right? What are your assets? What are your debts within here? It's really simple. And so, I always encourage people, especially entrepreneurs who like think like that already is like what is your personal balance sheet? What does that look like? Like make one within there and start to treat it a little bit more like that. You know, there's a lot of emotions in that, but there's a lot of emotions in your business, too. And so, like, how do you actually look at that and treat it more like you're going to make business decisions in your life?

00:32:30
Adrienne Garland: I love that. And you're making me think I don't think I mentioned this. I mention it probably on every podcast, but I actually teach entrepreneurship to a lot of young women because I teach at the Tisch Center for Hospitality and Event Management at NYU. And so we have a lot of women that go through that program and they take the entrepreneurship class that I teach. And one of the things that I always always always say to them is, you know, start getting comfortable with money and investing now when you're 19 years old, when you're 20 years old. Even if you take 10 bucks and, you know, instead of just putting it in a savings account, start playing around with stuff. You have the benefit of time. So, if you could give advice to, you know, my 18, 19, 20-year-old students, you know, men and women, but I'm focused on women. What would that advice be?

00:33:20
Emily Green: Yeah, I mean, investing early is always going to be the key within here because compound interest within that. And so, a dollar you invest today is going to be more powerful than a dollar you invest 20 years from now. And a lot of it's just habits. I like to think about it, you know, we always talk about compound interest, but starting habits. It's just like anything else in your life. And so, you know, when I graduated from college, I just made sure that a small part of my paycheck was was deducted. You know, of course, I did my 401k, but then a small part was deducted to go into savings and then some into investing. And so, what are little things that you can do that then you can replicate larger and larger for the rest of your life that are going to really create that change? And so, again, maybe it's just you know, a few things a month. And then one of the things that a lot of people don't do that I really do encourage people to do is have money dates with yourself.

00:34:10
Emily Green: And so, and not like on Friday night at 9:00 p.m. because if you tell yourself you're going to talk, you're just not going to do it. You're like, I'm exhausted and I just want to watch the show. And so, like, put it during the school day, put it during the workday, you know, put like that. And if you have a partner, put it in a time that you're both going to show up like that you have the accountability to that. And like 30 minutes a month max within your and just like take like look at what you spent. Look at where you spent it. There's so many tools that can help you do this now, too. But look at what you have invested. Look at what you oh god I've been saving but it's all sitting in my checking account or it's all sitting in my savings account. I should be doing something. Doing looking at all of that and just getting used to that like educating yourself early on that is going to help you in 10 years in 50 years.

00:35:05
Adrienne Garland: Yeah. Right. Because it's not just sweeping it under the rug and hoping that everything's going to work out. It's actually taking control of your financial life and your financial life, you know, it is it is your life. It does it does determine, you know, what choices you make and what you can do. So, it is super important. And, you know, I think the message too, it's like planting a tree. When's the best time to plant it? 20 years ago, what's the second best time today?

00:35:35
Emily Green: Same thing, I think, with this advice.

00:35:38
Adrienne Garland: I love it. Well, Emily, if people want to get in touch with you, learn more about you, learn more about Ellevest, how can they do that?

00:35:45
Emily Green: Yes. So, you can always go to our site, Ellevest, E-L-L-E-V-E-S-T. You can also get a lot of resources, a lot of free resources about money on there. I always encourage people like subscribe to all of our stuff on there. You'll get a lot of emails that help you learn about things. You can follow me. I share a lot of wealth insights on LinkedIn as well, Emily Green from Ellevest. And if you want to email us, you can always email me just egreen@ellevest.com or more general pwm@ellevest.com and you will always get to the right place.

00:36:20
Adrienne Garland: Amazing. Emily, thank you so much for sharing your wisdom and your insights. I really appreciated spending time with you today.

00:36:28
Emily Green: Yes, you too. It was fun.

00:36:30
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