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Journey To Launch

Episode 470- Why Doing Nothing Is the Most Expensive Decision You'll Ever Make with Amanda Holden

Journey To Launch

Jamila Souffrant

Business, Investing

4.9 • 1.7K Ratings

🗓️ 18 March 2026

⏱️ 47 minutes

🔗️ Recording | iTunes | RSS

🧾️ Download transcript

Summary

In this episode, I'm joined by Amanda Holden, who has built a powerful platform making investing feel truly accessible. She's now bringing that same approach to her new book, How to Be a Rich Old Lady.

We dive into what it really takes to build wealth, why so many people get stuck before they even get started, and how investing isn't about being perfect, it's about taking action.

Here's what we discuss:

  • What financial independence really looks like beyond a number and how it gives you the freedom to choose how you live and work + more
  • Why choosing between a 401(k) and a Roth IRA matters less than actually getting started and investing consistently
  • How to think about investing while in debt and when to prioritize paying it off vs. building wealth
  • The mindset shift needed to start investing even if you feel late or unsure, and why doing nothing guarantees staying stuck

What's New in the Paperback Edition of Your Journey to Financial Freedom:

  • A bonus chapter: When Life Happens: Staying on the Path to Financial Freedom Through Setbacks, Shifts, and Uncertainty
  • A book club and discussion guide with prompts, exercises, and action steps
  • Updated corrections from the original hardcover
  • Exclusive bonuses when you purchase the paperback, including:
    • The Fire Starter Course
    • The Find Your FIRE Number Worksheet

Other related blog posts/links mentioned in this episode:

Connect with Amanda:

Connect with me:

 

Transcript

Click on a timestamp to play from that location

0:00.0

Here's the thing.

0:03.2

You can't opt out of capitalism, right?

0:05.7

That there is no way to do that.

0:07.8

And even just like in terms of thinking about working versus investing, right?

0:13.0

Like somebody might not want to invest because what they don't want is their money to prop up a system that they hate, right?

0:20.0

But if you don't do it with your money,

0:22.2

you will do it with your time.

0:26.2

Welcome to the Journey to Launch podcast with your host, Jamila Sufran. As a money expert who

0:32.2

walks her talk, she helps brave journeyers like you, get out of debt, save, invest, and build real well.

0:40.8

Join her on the Journey to Launch to Financial Freedom in five, four, three, two, one.

0:52.9

If you want the episode, show notes for this episode, go to journey to launch.com or click the

0:59.0

description of wherever you're listening to this episode. In the show notes, you'll get the

1:03.9

transcribed version of the conversation, the links that we mentioned, and so much more. Also,

1:09.8

whether you are an OG journeyer or brand new to the

1:12.8

podcast, I've created a free Jumpstar guide to help you on your financial freedom journey.

1:18.3

It includes the top episodes to listen to stages to go through to reach financial freedom,

1:23.4

resources, and so much more. You can go to Journey to launch.com slash jumpstart to get your guide

1:29.7

right now. Okay, let's hop into the episode. Hey, hey, journeyers. Welcome to the Journey to Launch

1:37.6

podcast. Today I have Amanda Holden, who I'm so excited to chat with and catch up with

1:43.7

because Amanda's been on the podcast before, but let me just, before I'm so excited to chat with and catch up with because Amanda's been on

1:45.2

the podcast before, but let me just, before I say, what episode, let's just get into Amanda's bio.

1:50.3

Amanda Holden is the founder of invested development before becoming a leading voice on

...

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