Aspire Insights: How Not Talking About Money Is Stopping You From Making It with Nicole Lapin

Aspire with Emma Grede

E13 Media

Entrepreneurship, Business, Society & Culture

4.6 • 877 Ratings

🗓️ 10 June 2025

⏱️ 59 minutes

🔗️ Recording | iTunes | RSS

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Summary

In this episode of Aspire, Emma dives deep into one of her favorite topics: money! She sits down with bestselling author and financial expert Nicole Lapin to break down why we so often avoid money talk—and how that silence holds us back. Nicole reveals how she conquered her own debt using the “avalanche” method (tackling high-interest balances first) and how to master simple money lingo—ROI, APY, EBITDA—so you never feel lost in a finance convo again. We also cover how just $200 a month in an S&P 500 index fund at age 35 can balloon into roughly $500K by retirement, and why the “age in bonds” rule—your age in bonds, the rest in stocks—is a solid starting point. Plus: automating “set and forget” investments, keeping crypto under 1% of your net worth, and calculating the real “opportunity cost” of a home down payment (hint: sometimes renting wins). This isn’t just about numbers—it’s about mindset. Nicole shares her story of losing her home in the Los Angeles wildfires and turning scarcity into abundance, proving that talking openly about money is the first step to freedom. Whether you’re drowning in debt or ready to make your first investment, this episode is packed with practical tips to help you take control of your finances—and finally feel good about your money. To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

Transcript

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0:00.0	Welcome to the Aspire podcast with me, Emma Greed.
0:13.1	So today I want to talk to you guys about something a lot of people don't want to talk about,
0:17.8	something that's often considered taboo, and that something is money.
0:21.4	Now, I'm not just talking about the dollars and cents, but the psychology of money and why we
0:25.8	make certain financial decisions and how you can make your money work for you.
0:30.4	Money holds so many of us back, but I strongly believe that it can also set you free if you
0:35.9	have the right information and you're
0:37.6	asking the right questions. I actually want to help you begin your journey towards financial
0:42.3	freedom, which is why today I'm speaking to my guest, Nicole Lapton. She's a best-selling
0:48.0	author and the go-to money expert for anyone looking to take control of their finances. You might
0:53.6	know her from her books like
0:54.8	Rich Bitch, Boss Bitch, Miss Independent, and no, they're not all about me. Or maybe her most recent
1:00.4	book, The Money School. She's been a financial journalist for major networks like CNN, CNBC, and
1:06.6	Bloomberg. She's one of the youngest ever anchors in business news, and she's on a mission to
1:11.6	help people build wealth without the BS or the jargon. Her podcast, Money Rehab,
1:16.5	is one of the most popular finance podcasts out there.
1:30.3	Welcome to Aspire, Nicole. Thank you so much.
1:31.7	Thank you so much. I am so happy to have you here today. I cannot tell you. I am so happy
1:37.4	with your shirt too. I'm all this for you. This was all for you. And honestly, I think it's,
1:43.9	this was supposed to be like a little bit of an icebreaker for us. This is my favorite shirt. I call it my money shirt because I wear it on very special days when I'm, you know, expecting big things to happen. I think we should start in the place that, you know, just get it out of the way. Why do people find it so hard to talk about money?
2:01.7	You know, I think it's the last taboo that we have in society. We'll talk about sex, no problem.
2:06.6	We'll talk about bikini walkses, no problem, dinner with our girlfriends. I'm like, you just
	...

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