Hot Girl Finance

How do you get from a market stall to an international outerwear brand without taking a penny of investment?

Why would a founder deliberately price her coats below what comparable brands charge? And why does one influencer post sell twenty coats when a famous face usually just buys you awareness?

Ducie Keam-George left a job at MTV, started a stall on Portobello Road and turned it into Ducie, the outerwear label worn by Hailey Bieber, built on twenty years of her own profit rather than on investment.

She walks Poppy through the money behind a fashion brand nobody funded, from a stall on Portobello Road to the fractional CFO she brought in this year, in her first ever podcast interview.

It is for anyone running a product business who would rather stay in profit than raise a round.

In this episode:

◼️ Funding every batch from the profit on the last one keeps a brand alive and caps how fast it grows

◼️ The supplier who says they can do everything is the one who will miss your deadline

◼️ Why she refuses to price at what the market would pay, even though she could

◼️ Why she gifts to the people who already bought the jacket, and never pays a fee

◼️ Hiring the thing you are worst at, and the nineteen years she waited to do it

◼️ Twenty years in profit with no investor, and what finally made her borrow this year

◼️ The burnout, the trip to Goa and the stranger who told her to start a brand

◼️ Moving production from India to China to Turkey, and what she was chasing each time

◼️ Danielle Bernstein selling twenty of her coats in a single post, and the traffic spike she can see on the site

◼️ Hailey Bieber wearing the coat in a campaign Ducie was not paid for, and what it did to sales

_________

Chapters:

00:00 From MTV to a market stall

03:08 Supply chains, and the red flag in a new supplier

04:47 Twenty years in profit, and the first loan

06:53 Why she prices below the market

08:28 Instagram, Shopify, and learning to sell

11:31 Bad with numbers, and the CFO she hired

13:45 Her first senior hire, in year nineteen

15:09 Her first million, and the influencers behind it

19:35 LTK, ShopMy, and marketing on almost nothing

22:14 Brand shoots, expensive mistakes, and an LA PR company

28:21 Wholesale, DTC, and the 20th anniversary

30:17 Loans, equity, and keeping control

35:19 Marriage, and where the brand's look comes from

39:52 Hailey Bieber, and whether celebrities sell

41:48 What's next, the US, and copycats

44:55 Quickfire: advice, books, and how she switches off

48:20 Spend or save

_________

💜 Stream on Spotify: https://tr.ee/hgfspotify

💜 Stream on Apple Podcasts: https://tr.ee/hgfapple

💜 Follow us on Instagram: https://www.instagram.com/hgf/

💸 Powered by Aave App. Start saving smarter: https://aave.com/app

How do you build a $100 million beauty brand without opening a single store?

Why is the box the cheapest part of a Saie product, on purpose? And why did getting profitable fast matter more to this founder than raising another round?

Laney Crowell asked her blog readers what the beauty industry was missing, built #saiebeauty out of their answers, and has taken it past $100 million in sales.

She walks Poppy Jamie through the decisions behind that number, the retailer she went after while the rest of the industry was going direct to consumer, the packaging she keeps deliberately cheap so the formulas can be expensive, and what changed about the company the year it turned profitable.

It is for anyone building a consumer brand who wants to know which costs are worth carrying and which are not.

In this episode:

◼️ Why launching with fewer products means you can tell the story of each one

◼️ Why a key retailer brings you footfall and never an audience, and why demand stays your job

◼️ Where to save money on a product, and why she picks the part the customer throws away

◼️ How getting profitable early buys back the months a founder loses to fundraising

◼️ Which roles need someone who has done it before, and which ones she gives to raw talent

◼️ The hiring mistake she would undo, filling a team with people who reflected what she already knew

◼️ The one job she will never outsource, and the one she hands to an agency in every market

◼️ How spotting the audience nobody was advertising to turned into a Knicks sponsorship

◼️ Why “this just stopped working” is the permanent condition of running a business

◼️ The biggest waste of money when building a brand, in her own words

💜 Stream on Spotify: ⁠https://tr.ee/hgfspotify⁠

💜 Stream on Apple Podcasts: ⁠https://tr.ee/hgfapple⁠

💜 Follow us on Instagram: ⁠https://www.instagram.com/hgf/⁠

💸 Powered by Aave App. Start saving smarter: ⁠https://aave.com/app

Everyone thinks Steven Bartlett's personal brand was built on talent. It was built on 200 posts a month.

Most people post once a week, check the likes after half an hour and delete anything that flops. Behind The Diary of a CEO, every decision started with one question: "what's the data?" Every guest got an essay's worth of research, the awkward silences were left in, and content was tested on TikTok before it ever reached Instagram.

Holly Hayes started in Steven Bartlett's kitchen with a login, a password and his accounts, when the whole team was about five people. As his brand manager she posted around 200 pieces of content a month, made LinkedIn the "golden child" of his brand, and now builds personal brands for founders and creators. She is honest about why most content never gets seen.

In this episode:

◼️ How Steven Bartlett's personal brand was built... 200 posts a month, LinkedIn first, and talking about the things other founders wouldn't

◼️ The Diary of a CEO details nobody notices, from the scent of the room to an essay's worth of research on every guest

◼️ Why holding a silence is an under-trained skill, especially for women

◼️ Brand pillars explained: how to niche down without losing your personality

◼️ The biggest content mistake: saving the best part for the end instead of the first five seconds

◼️ Why repetition isn't boring, and how one well-worn topic hit 200,000 views in 24 hours

◼️ "What's the data?" The metrics that actually matter: watch time, profile views, skip rate and shareability

◼️ The founder spending £15,000 a month on Meta ads with nothing to show for it, and what was really broken

◼️ Which platforms to prioritise, why your LinkedIn company page gets ignored, and why a pretty feed doesn't matter

◼️ Only getting six likes? How to find what's broken, and why you should never delete a post after 30 minutes

Nobody cares about your content… But you can give them a reason to.

Chapters:

00:00 Meet Holly Hayes, Steven Bartlett's former brand manager

01:24 200 posts a month: the brief behind Steven Bartlett's brand

03:06 Why LinkedIn was the "golden child"

05:01 Is LinkedIn still a white space?

06:28 The Diary of a CEO details nobody notices

09:25 The power of holding a silence

12:25 Great content vs average content

14:30 "Pretend nobody cares"

17:48 Brand pillars explained

19:40 Niche down or show every side of you?

23:59 The biggest mistake: your first five seconds

25:52 Is AI making content worse?

28:18 Why repetition builds a brand

33:15 "What's the data?": the metrics that matter

35:35 Shareability: the free paid ad

37:35 £15,000 a month on ads and no return

39:35 Which platforms to prioritise

42:14 Why your LinkedIn company page gets ignored

43:36 Should you stress about a pretty feed?

48:33 Posting more: expanding your surface area for luck

50:59 How to post more without burning out

54:42 Only getting six likes? What's broken

59:27 Why a personal brand is freedom

1:01:16 Visual repetition and recognisable content

1:07:29 Post while you're excited about it

1:14:43 Save or Splurge

What's the one thing stopping you from posting more? Tell us below 👇

Subscribe to @hgfpod for new episodes every week.

💜 Stream on Spotify: https://tr.ee/hgfspotify

💜 Stream on Apple Podcasts: https://tr.ee/hgfapple

💜 Follow us on Instagram: https://www.instagram.com/hgf/

💸 Powered by Aave App. Start saving smarter: https://aave.com/app

The diamond industry told us diamonds are rare. They're not, and the moment you buy one it can lose 40% of its value.

A mined diamond and a lab-grown one are chemically identical. A certified gemologist cannot tell them apart without a machine, and the machine still gets it wrong. One of them costs three to four times more, and loses around 40% of its value the moment you buy it.

Jessica Warch grew up inside the Antwerp diamond trade, where her parents still work. She left to build Kimaï, took Diane von Fürstenberg as an investor and opened stores in London and Paris. She is blunt about what you are actually paying for. 

In this episode:

◼️ The diamond industry explained... who controls the supply, who sets the price, and why diamonds were never actually rare

◼️ Lab-grown vs mined diamonds: chemically identical, and even specialist machines can't always tell them apart

◼️ Is a diamond a good investment? Why a mined diamond can lose around 40% of its value the moment you resell it

◼️ Why the average Kimaï engagement ring is about £5,000, and what the same ring would cost with a mined diamond

◼️ The cold email to Meghan Markle's circle that led to 100 articles in one day, with almost no stock to sell

◼️ Raising $2 million "way too early", and the branding agency mistake she'd never make again

◼️ How Diane von Furstenberg became an investor, sitting on her floor showing Jess her own jewellery

◼️ Why some magazines won't feature lab-grown diamonds, and the word Kimaï isn't allowed to use on its own

◼️ How she runs the business with Claude Code, from sales reports to checking supplier invoices line by line

Diamonds are forever… But overpaying for them doesn't have to be.

Chapters:

00:00 The truth about diamonds

01:39 From Antwerp's diamond trade to lab-grown diamonds

03:30 What the diamond industry doesn't want you to know

04:50 Is a diamond a good investment? (You lose 40%)

05:42 Lab-grown vs mined diamonds: is there any difference?

08:54 From 2% of the market to engagement ring favourite

09:17 Are lab-grown diamonds actually sustainable?

10:54 Bridal: 50–60% of sales and a £5K average ring

15:19 Starting a jewellery brand on the side of a full-time job

16:57 The cold email that got Kimaï on Meghan Markle

18:40 100 articles in a day: the Meghan effect

21:55 From online-only to opening retail stores

24:10 Raising $2 million "way too early"

26:01 Founder mistakes: branding agencies and hiring

28:24 How Diane von Furstenberg became an investor

30:28 Why Kimaï went on Dragons' Den

33:01 Why magazines won't write about lab-grown diamonds

35:44 The word "diamond" they're not allowed to use

36:42 Marketing without influencers

42:01 How to make a co-founder relationship work

44:25 Running a business with Claude Code and AI

47:35 Best business advice: never take no for an answer

50:12 How much should founders pay themselves?

52:10 Save or Splurge

Would you choose a lab-grown diamond for your engagement ring? Tell us below 👇

Subscribe to @hgfpod for new episodes every week.

💜 Stream on Spotify: https://tr.ee/hgfspotify

💜 Stream on Apple Podcasts: https://tr.ee/hgfapple

💜 Follow us on Instagram: https://www.instagram.com/hgf/

How do you pay for an Oscar-winning documentary on your own credit card? Why does the person carrying the legal and financial risk of a film get the least credit for it? And why does a $6 million film need an $18 million campaign to win Best Picture?

Odessa Rae is the Oscar-winning producer of Navalny, and she funded the first four months of it on her own credit card. She walks Poppy through how the money works, from who funds a film to who owns it at the end, and what winning an Oscar actually costs.

In this episode:

◼️ The $90,000 of credit card debt that funded the first four months of Navalny

◼️ How film financing actually works, from the investor's premium to the points on the back end

◼️ Why the IP of a film sits in its own company, and why an investor never owns a piece of it

◼️ Three days of Navalny's last interview sit in a vault, and the filmmakers have no right to them

◼️ Why the Best Picture Oscar goes to the producer, and why the industry still treats producers as staff

◼️ What an Oscar campaign really is, and why you fly to a city to screen for two voters

◼️ Why the money for an Oscar campaign has to be raised as donation rather than investment

◼️ What a film costs to make now, and why AI is pulling that number down every year

◼️ Why she was followed for six months after Navalny died

◼️ How she actually finds investors, and why she keeps the ones she likes

💜 Stream on Spotify: https://tr.ee/hgfspotify

💜 Stream on Apple Podcasts: https://tr.ee/hgfapple

💜 Follow us on Instagram: https://www.instagram.com/hgf/

💸 Powered by Aave App. Start saving smarter: https://aave.com/app

How does a swimsuit get from a drawing to a shop floor? Why did she have to pay for her own stock before Selfridges would sell it? And why did the brand only start making money once she took production in house?

Alexandra Miro started her swimwear label with five swimsuits and her own money, and now sells it around the world with a team of five.

She tells Poppy how the money really works in fashion, from the factories in Portugal to the payment terms and the cost of a photo shoot. It is her first ever podcast, and it is for anyone building a product business who wants to know where the money goes before they spend it.

In this episode:

◼️ Start with five products, not fifty, and why a big launch collection works against you

◼️ Stocking a department store means funding the stock yourself, and taking it back if it does not sell

◼️ A consignment order can mean eight months from starting production to any payment

◼️ The business turned profitable when she stopped outsourcing production

◼️ Four years running everything alone, customer service, logistics, social and design

◼️ Nobody gets discovered at a trade show anymore, and what replaced it

◼️ A collection shot on an iPhone in 24 hours that no buyer questioned

◼️ One local model instead of a flown-in one, and 20 grand saved on a single shoot

◼️ 100 pieces of a print, never repeated, and what that does to demand

Subscribe to @hgfpod⁩ for new episodes every week.

💜 Stream on Spotify: https://tr.ee/hgfspotify

💜 Stream on Apple Podcasts: https://tr.ee/hgfapple

💜 Follow us on Instagram: https://www.instagram.com/hgf/

💸 Powered by Aave App. Start saving smarter: https://aave.com/app

In this Hot Girl Finance breakdown, we go through every number you see when you look up a stock, what each one is telling you, and which ones actually change whether it is worth buying.

In this episode:

◼️ Market cap measures the size of a company, and people read it as a price signal, which is how they end up overpaying.

◼️ The PE ratio is a promise about future growth, and the higher it climbs the less room the company has to be wrong.

◼️ A low PE is rarely a bargain, because the market is usually pricing in a doubt you have not spotted yet.

◼️ A small dividend can be a good sign, once you know what the company is doing with the money instead.

◼️ The 52 week range tells you whether you are buying near the top, which is the check most people skip.

No prior finance knowledge needed. By the end you can open any investing app and know exactly what you are looking at.

Subscribe to @hgfpod⁩ for new episodes every week.

💜 Stream on Spotify: https://tr.ee/hgfspotify

💜 Stream on Apple Podcasts: https://tr.ee/hgfapple

💜 Follow us on Instagram: https://www.instagram.com/hgf/

💸 Powered by Aave App. Start saving smarter: https://aave.com/app

What does a talent agent actually do for their 10%? Why are creators and brands now sitting in the top ten earners at one of the biggest agencies in the world, next to the actors and the athletes? And why does the man who runs UTA in Europe tell his clients that a brand coming to them directly is a brand planning to undercut them?

Darnell Strom is Head of UTA Europe, the agent behind Malala Yousafzai, Michaela Coel, Jon Batiste and Karlie Kloss. He walks Poppy through how the money actually moves in the talent business, from the $30 million guarantees of the 90s and early 2000s to the equity deals being written for talent now, and what that teaches anyone negotiating their own worth without an agent in the room.

In this episode:

◼️ Why UTA signed YouTubers 20 years ago while rival agencies laughed, and who is scrambling now

◼️ Why TV and film went from 85% of UTA's business to under half in 15 years

◼️ How the definition of talent expanded to anyone with a platform and a following

◼️ Why creators and brands now sit in the top ten earners next to the actors and the athletes

◼️ What a brand is really doing when it comes to you directly instead of your agent

◼️ Why giving up 10% beats getting paid 50% less on a deal you negotiated yourself

◼️ Why the data on your own audience is the leverage you cannot get on your own

◼️ Why a creator's recommendation converts like a friend's, and what that is worth to a brand

◼️ Whether to stay the expert in one thing or expand, and how to expand without losing the audience

◼️ The film made with AI tools for $750,000 that reached cinemas because the audience asked

💜 Stream on Spotify: https://tr.ee/hgfspotify

💜 Stream on Apple Podcasts: https://tr.ee/hgfapple

💜 Follow us on Instagram: https://www.instagram.com/hgf/

💸 Powered by Aave App. Start saving smarter: https://aave.com/app

What happens to your pension when there is barely one worker left per retiree? Why does a demographer say the best money decision you can make in your thirties is having a child? And why does he think the next great crisis will be a bond crisis?

Paul Morland is the demographer behind No One Left. His next book, Bust: The Economics of Population Decline, is out in November.

He walks Poppy through the economics of a shrinking population, a story usually argued as culture and never costed as money, and what it means for your tax bill and the state that promised to look after you.

In this episode:

◼️ How a low birth rate turns 100 people into 40, then into 16, inside two generations

◼️ What an ageing country does to your wages, your savings and your tax bill

◼️ Japan as the preview, going from 8 or 9 workers supporting each retiree to barely one

◼️ Why Paul thinks the next crash will come from governments that cannot pay their bills

◼️ Why he calls the state a Ponzi scheme once the population pyramid inverts, and what he thinks happens when it can no longer meet its promises

◼️ Why he says not to count on a state pension, and what he tells anyone in their thirties to do instead

◼️ Why you cannot fix a worker shortage by sending half the workers home

◼️ What happens to birth rates when men pick up more of the housework

◼️ The changes employers could make tomorrow, starting with why offices have gyms and no nurseries

◼️ How the tax system could pay mothers back for the pension years they lose

◼️ Why he does not believe AI or robots will be looking after us in old age

💜 Stream on Spotify: https://tr.ee/hgfspotify

💜 Stream on Apple Podcasts: https://tr.ee/hgfapple

💜 Follow us on Instagram: https://www.instagram.com/hgf/

💸 Powered by Aave App. Start saving smarter: https://aave.com/app

Jana Sascha started De La Vali selling dresses from the back of a car in Ibiza, to anyone who would buy them. Nearly ten years later the brand is stocked by its dream retailers, worn by Kate Moss, and online sales are up 300% in a year. So how do you actually make a fashion brand profitable?

This week Poppy sits down with Jana Sascha, founder and creative director of De La Vali. Jana breaks down the real numbers behind scaling an independent fashion brand, from a first collection sewn on a shoestring to a restructure and back to profit.

In this episode:

◼️ How much it really costs to start a fashion brand

◼️ Why on-time delivery decides whether your stockists keep you

◼️ How shifting from wholesale to 60% direct to consumer can transform a business 

◼️ How a spare dress handed to Kate Moss at a party changed the brand's trajectory 

◼️ How to pick the most important first hire for a small brand

◼️ Why giving retailers a 2.4 to 2.8x margin can still make you money

◼️ Why Jana now keeps De La Vali privately funded and running on its own profits

💜 Stream on Spotify: https://tr.ee/hgfspotify

💜 Stream on Apple Podcasts: https://tr.ee/hgfapple

💜 Follow us on Instagram: https://www.instagram.com/hgf/

💸 Powered by Aave App. Start saving smarter: https://aave.com/app

What do you actually get paid to write a Hollywood film? Can someone steal your script if you put it online? And why does the man who worked for Leonardo DiCaprio's production company say talent alone won't get you hired?

Franklin Leonard is the creator of The Black List, the platform where any writer in the world can upload their script and get it in front of Hollywood.

We walk through the money side of an industry most people only know from the red carpet. If you work in a creative field, or want to, this one is a masterclass in protecting yourself financially when you never know where the next paycheck is coming from.

In this episode:

◼️ How Franklin Leonard turned a problem at work into The Black List, the platform that changed how Hollywood finds scripts

◼️ Information is power: why knowing what things pay, what's in demand and what the other side wants puts you ahead in any negotiation

◼️ What screenwriters really get paid, and what's left after agents, managers, lawyers and tax

◼️ Why the writers went on strike, and why Franklin says writers are working class people, not red carpet celebrities

◼️ His number one rule for creatives: always be writing something you own

◼️ His Hollywood Finance 101 for creatives: save your money and stay where you are

◼️ His unfiltered take on AI in Hollywood

◼️ Why your net worth should never define your worth

💜 Stream on Spotify: https://tr.ee/hgfspotify

💜 Stream on Apple Podcasts: https://tr.ee/hgfapple

💜 Follow us on Instagram: https://www.instagram.com/hgf/

💸 Powered by Aave App. Start saving smarter: https://aave.com/app

The publishing industry pays writers last and cuts them first. Substack pays 50 of its creators over $1 million a year. One woman edited Women's Health, Cosmopolitan and Elle, saw where it was all going, and left to build the other side.

In this episode of Hot Girl Finance, Farrah Storr, Head of Substack International, breaks down exactly how the platform pays, who's getting rich, and why the industry that underpaid writers for a century is being replaced.

In this episode:

◼️ The Substack business model, explained in one breath, who sets the price, who takes a cut, and where the money actually goes

◼️ The answer to "but how would anyone find me?" and why you don't need to bring an audience to start earning

◼️ What Farrah makes from one piece of writing a week, and how it compares to her editor's salary at Women's Health

◼️ The story behind The Free Press: built on Substack, sold for a number that changed how writers think about the platform

◼️ Why almost everyone starts as a side hustle, and the exact signal it's time to go all in

◼️ The one way writers should never use AI, and why readers can always tell

◼️ Why she says you haven't missed the boat, Substack is only just launching in France, Italy, Brazil and Japan

The boat hasn't sailed. It's waiting for you.

Subscribe⁩ for new episodes every week.
💜 Stream on Spotify: https://tr.ee/hgfspotify

💜 Stream on Apple Podcasts: https://tr.ee/hgfapple

💜 Follow us on Instagram: https://www.instagram.com/hgf/

💸 Powered by Aave App. Start saving smarter: https://aave.com/app

Should you be using Klarna, or is Buy Now, Pay Later just expensive debt dressed up in millennial pink?

We decode Klarna's origin story, who actually pays for "interest-free," the five ways Klarna makes money (late fees included), the psychology trick behind the pink button, and how to play it smart if you use BNPL anyway.

In this episode:

◼️Where Klarna came from, a Burger King friendship, a lost uni competition, and a valuation rollercoaster from $45.6B to $6.7B to the NYSE

◼️Who actually pays for "interest-free" 

◼️Klarna's five revenue streams, including the one nobody talks about: your late fees

◼️The psychology trap: how present bias makes four small payments feel like not spending at all

◼️The stats: 68% of BNPL users say it's made them overspend, and 29% now use it for groceries

◼️What actually happens when you miss a payment — late fees, collections, and your credit score

◼️The hot girl BNPL strategy: five rules for using it without letting it use you

Subscribe for new episodes every week.

💜 Stream on Spotify: https://tr.ee/hgfspotify

💜 Stream on Apple Podcasts: https://tr.ee/hgfapple

💜 Follow us on Instagram: https://www.instagram.com/hgf/

💸 Powered by Aave App. Start saving smarter: https://aave.com/app

Venetia Archer is the founder and CEO of Ruuby, the app that has delivered over a million manicures, massages and blow dries to front doors across the UK, Switzerland, France and the UAE. She can tell what treatment you'll book just by looking at you, and she built her company pitching male investors an economy they didn't know existed.

In this episode:

◼️ Why you should know your numbers cold and check them every single day

◼️ How to hire slowly: the wrong people are the most expensive mistake you'll make

◼️ Why investing young beats almost everything else, thanks to compound interest

◼️ How a standing money meeting makes hard conversations with your partner easier

◼️ Why taking on an investor is a professional marriage, and the red flags to spot first

◼️ Why beauty is armour, not frivolity

Subscribe for new episodes every week.

💜 Stream on Spotify: https://tr.ee/hgfspotify

💜 Stream on Apple Podcasts: https://tr.ee/hgfapple

💜 Follow us on Instagram: https://www.instagram.com/hgf/

💸 Powered by Aave App. Start saving smarter: https://aave.com/app

Anna Wintour ordered from her personally. Jennifer Lopez wore the first thing she ever designed. But Melissa Odabash started out selling bikinis from a bag backstage, barely making a dollar on each one. Twenty-five years and 70 countries later, she's never taken outside investment and still owns every bit of her brand.

Melissa Odabash MBE is the founder and designer of her eponymous luxury swimwear label. A former fit model for Valentino and Fendi, she turned everything she absorbed backstage into one of the most iconic names in swimwear.

In this episode:

◼️ How a Victoria's Secret catalogue took her from 70 pieces a week to thousands

◼️ Why she's never taken outside investment, and the first hire she says every founder needs

◼️ How she got her collection into Harvey Nichols with one very bold phone call

◼️ Why every penny she makes goes into property

◼️ How to stick to one thing when everyone tells you to expand

◼️ Why she says you should never start a business for money

Subscribe for new episodes every week.

💜 Stream on Spotify: https://tr.ee/hgfspotify

💜 Stream on Apple Podcasts: https://tr.ee/hgfapple

💜 Follow us on Instagram: https://www.instagram.com/hgf/

💸 Powered by Aave App. Start saving smarter: https://aave.com/app

Amanda Cassatt helped bring Ethereum to market as CMO of ConsenSys, then founded the web3 firm Serotonin, co-founded NFT platform Mojito, and wrote a book on web3 marketing.

She makes the case that most of us are quietly losing money without realising it. Our savings sit in accounts earning next to nothing while the bank keeps the difference.

In this episode:

◼️ Why she thinks the economy has become so "calcified" that wealth now only flows from young to old, and how early crypto briefly flipped that

◼️ What crypto actually is, in plain English: blockchains, bitcoin vs ethereum, stablecoins, and why holding your own money matters

◼️ The wild bit of history: the internet was meant to have money built into it from day one, and why it took crypto to finish the job PayPal couldn't

◼️ How to spot a solid, battle-tested platform from the projects that don't make it

◼️ Her contrarian take on AI: revolutionary, or just "glorified autocomplete"? And why she thinks it's quietly homogenising how we all think

◼️ How to make big decisions without agonising, and the Japanese idea of ikigai she swears by

Subscribe for new episodes every week.

💜 Stream on Spotify: https://tr.ee/hgfspotify

💜 Stream on Apple Podcasts: https://tr.ee/hgfapple

💜 Follow us on Instagram: https://www.instagram.com/hgf/

💸 Powered by Aave App. Start saving smarter: https://aave.com/app

Crypto talk. Most of us are quietly nodding along with no clue what any of it means. So today it's a crash course, we're going back to basics. Crypto, blockchain, bitcoin, ethereum, web3, defi and tokenization.

By the end, you'll actually know what it’s all about:

◼️ Why crypto is built on cryptography, the same math that keeps your messages and bank login safe

◼️ Why "on the blockchain" means no single person, company or government can tamper with it

◼️ Why bitcoin is like a calculator and ethereum is like a smartphone

◼️ Why web3 is called the next internet: your accounts, content and data would live on a blockchain and actually belong to you

◼️ How defi and tokenization could change money for everyone, and why BlackRock's CEO compares it to the internet in 1996

Subscribe for new episodes every week.

💜 Stream on Spotify: https://tr.ee/hgfspotify

💜 Stream on Apple Podcasts: https://tr.ee/hgfapple

💜 Follow us on Instagram: https://www.instagram.com/hgf/

Sharmadean Reid built a beauty empire from a nail salon in East London — and she's done it again from scratch.

She grew up on free school meals in Wolverhampton, started working for entrepreneurs at 14, and turned a £20-a-week cash-in-hand job into a career building cultural phenomena. WAH Nails. Beautystack. And now 39 BC, a bathing brand that went from idea to nine stores across three countries in six months.

In this episode, Sharmadean Reid — founder, author of The New Girl Code, and one of the most respected brand builders in the UK — breaks down exactly how she raises money, builds brands people obsess over, and designs a business around the life she actually wants to live.

She shares the parts most founders keep to themselves:◼️ Why fundraising is really just sales, and the CRM and signalling system she uses to de-risk herself in investors' eyes long before the pitch ◼️ Why women can raise a first round but rarely a second, and how that second hurdle quietly kills female-founded businesses ◼️ How she builds a whole world instead of just a product, and why story beats the formula when what you're selling is mostly water ◼️ Why how you show up directly affects how much you can raise, and the brutal investor logic behind it ◼️ How she thinks about the stock market, why she treats investing as generational wealth and not a savings account, and how she clocked Nvidia years early

New episodes every week.

💜 Stream on Spotify: https://tr.ee/hgfspotify

💜 Stream on Apple Podcasts: https://tr.ee/hgfapple

💜 Follow us on Instagram: https://www.instagram.com/hgf/

💸 Powered by Aave App. Start saving smarter: https://aave.com/app

Nick Hanauer was one of Jeff Bezos' first investors. Now he's telling other billionaires they have too much money.

He grew up working in his family's pillow factory, helped start Amazon before anyone believed people would shop online, and sold a single company to Microsoft for $6 billion. By every measure, the system worked perfectly for him. That's exactly why he wants to tear it down.

In this episode, Nick Hanauer, venture capitalist, first non-family investor in Amazon, and the man behind the viral essay "The Pitchforks Are Coming" - explains why the rich getting richer isn't just unfair, it's the thing quietly breaking the modern economy.

In this episode, he says the parts most billionaires never will:

◼️ How selling pillows taught him more about Amazon's future than any expert and why he backed Jeff Bezos when people thought the whole idea was nuts

◼️ Why the top 1% have grown $21 trillion richer and how 50 years of economic policy made the bottom 90% poorer every single year

◼️ Why not one of America's 11,000 economists backed his $15 minimum wage and how the real-world results proved them wrong

◼️ What he really thinks of Musk, Zuckerberg, and Bezos and why he believes the economy now rewards the people who care least about everyone else

◼️ How AI could power the next wave of innovation or trigger a massive crash, and the simple policy changes that could shift $2 trillion back to working families

New episodes every week.

💜 Stream on Spotify: https://tr.ee/hgfspotify

💜 Stream on Apple Podcasts: https://tr.ee/hgfapple

💜 Follow us on Instagram: https://www.instagram.com/hgf/

💸 Powered by Aave App. Start saving smarter: https://aave.com/app

She started selling vintage on eBay with no business school, no business plan, and no idea what a P&L was. She built it into a $350M empire. Then it was gone. No co-founder. No safety net. Just instinct — and the brutal lessons that came when instinct wasn't enough.

In this episode, Sophia Amoruso — founder of Nasty Gal, author of #Girlboss, and now investor at Trust Fund backing the next generation of founders — breaks down what really happened inside one of the most public rises and falls in modern business.

In this episode:

◼️ How she turned vintage eBay flips into a $350M empire — and why obsessing over taste, not revenue, is what made Nasty Gal impossible to copy

◼️ Why she turned down a $400M+ Urban Outfitters offer — and how listening to her investor instead of her gut cost her the entire company

◼️ How venture capital broke a profitable business — hiring 100+ people ahead of growth, chasing billion-dollar valuations, and trying to lead a company on financials she couldn't read

◼️ Why the "Girl Boss" backlash happened — and what she learned about hustle culture, public failure, and who actually shows up when it all falls apart

◼️ What she looks for as an investor at Trust Fund now — the founder red flags that make her pass, the AI tools she uses every day, and how she'd use AI to run Nasty Gal today

New episodes every Tuesday and Thursday. 

💜 Stream on Spotify: https://tr.ee/hgfspotify

💜 Stream on Apple Podcasts: https://tr.ee/hgfapple

💜 Follow us on Instagram: https://www.instagram.com/hgf/

💸 Powered by Aave App. Start saving smarter: https://aave.com/app

She built Peanut while raising her son, funding the early product with her own savings. Today it's used by 5M+ women across fertility, pregnancy, motherhood and menopause. But that's not why she's here.

She's here because professional mothers are doing everything right — and still falling behind. Men are syndicating deals amongst themselves, sharing investments, making each other rich. Women aren't getting in on the action. And she's not staying quiet about it.

In this episode of Hot Girl Finance, Michelle Kennedy, founder and CEO of Peanut, former Deputy CEO of Badoo and inaugural board member of Bumble, takes on the financial conversations professional mothers aren't having — and why that silence is costing them.

In this episode:

◼️ Why men are syndicating deals amongst themselves and what she's learned about getting mothers in the room 

◼️ How she went from corporate lawyer to Deputy CEO of Badoo and what running a profitable tech company taught her about money

◼️ Why the pension gap is the financial crisis nobody's talking about and how stepping out of work to raise children is silently costing mothers their financial future 

◼️ Why she wishes she had just the confidence of a very average man and what actually closes the gap for working mums 

◼️ Why your money is dying in a savings account right now and what to do about it instead

Her real lesson? Confidence comes from doing the reading. And the network you build today writes the cheques tomorrow.

New episodes weekly. Powered by Aave.

💜 Stream on Spotify: https://tr.ee/hgfspotify

💜 Stream on Apple Podcasts: https://tr.ee/hgfapple

💜 Follow us on Instagram: https://www.instagram.com/hgf/

💸 Powered by Aave App. Start saving smarter: https://aave.com/app

She left school at 15, sold vintage from a market stall at 14, and opened her first shop in Ibiza at 19 with €200 and zero backup plan. No investors. No loans. Just a vision and the relentless energy to build it.

In this episode, Annie Doble, founder of Annie's Ibiza — the brand with fans including Kate Moss, Zendaya and Taylor Swift and stores in Ibiza, London and New York — breaks down what it actually takes to build something real from nothing.

In this episode: 

◼️ How Annie built a global fashion empire from €200 with no degree and no backup plan — and why starting with nothing was her biggest advantage 

◼️ How her first employee has stayed for nearly a decade — and the leadership philosophy behind a team that never wants to leave 

◼️ Why never going on sale and going direct to consumer built one of the most coveted fashion brands in the world 

◼️ How avoiding wholesale gave her total creative freedom — while the industry's model fell apart 

◼️ How she opened the New York store in 3 days and what it actually takes to pull off the impossible

New episodes weekly. Powered by Aave.

💜 Stream on Spotify: https://tr.ee/hgfspotify

💜 Stream on Apple Podcasts: https://tr.ee/hgfapple

💜 Follow us on Instagram: https://www.instagram.com/hgf/

💸 Powered by Aave App. Start saving smarter: https://aave.com/app

The Hot Girl Finance podcast is owned and produced by Aave. Episodes may include discussion of Aave products, services, or related financial topics. Content is provided for educational, informational, and promotional purposes only and does not constitute financial, investment, legal, or tax advice. For more information, go toaave.com/legal/podcast.

Maria Hatzistefanis started with £20,000 in savings, no investors, and a home office. Today she runs two global beauty brands and has written the manual on building your first million.

The question isn't whether you can do it. It's whether you know the rules.

In this episode of Hot Girl Finance, Maria Hatzistefanis, founder of Rodial and Nip+Fab and author of How To Make Your First Million, breaks down exactly how she built wealth from scratch — and what most founders get dangerously wrong.

In this episode:

◼️ Why getting fired was the best thing that ever happened to her and what it taught her about knowing when to walk away

◼️ The shock marketing strategy that made Rodial go viral with zero budget (and the one time it massively backfired)

◼️ The cold email to Kris Jenner — and the 48-hour wait for Kylie Jenner's signature that nearly cost Maria the entire investment

◼️ Why networking upwards is a waste of time — and the sideways move that will actually change your career

◼️ How she bought property at the top of the market every single time — and still came out on top

◼️ The £10,000 stock investment that became £90,000 in months — and the greed that cost her £80,000 of it

If you want to build real wealth, this is your blueprint.

New episodes weekly.

💜 Follow us on Instagram: https://www.instagram.com/hgf/

💸 Powered by Aave App. Start saving smarter: https://aave.com/app

If you are in a relationship and not thinking about money, you are already behind. And if that relationship ends, you could lose everything you never knew you were entitled to.

In this episode of Hot Girl Finance, Maria Fiorito, high net worth divorce lawyer, breaks down the financial reality of marriage, divorce, and why the women who stay silent are the ones who lose the most.

In this episode: 

◼️ The biggest financial mistake women make in marriage — and why even the most successful professional women fall into it 

◼️ What you are actually entitled to under English law when a marriage ends — and the landmark 2000 case that changed everything 

◼️ Why 80% of her clients sit down and say the exact same thing about their husband 

◼️ The dirty tactics the wealthy use to hide assets during divorce — and how to protect yourself 

◼️ Why you have zero rights if you are not married — and the one question every woman should ask early in a relationship

If you know someone about to get married, send them this episode first.

New episodes every week. Powered by Aave.

💜 Stream on Spotify: https://tr.ee/hgfspotify

💜 Stream on Apple Podcasts: https://tr.ee/hgfapple

💜 Follow us on Instagram: https://www.instagram.com/hgf/

💸 Powered by Aave App. Start saving smarter: https://aave.com/app

What's actually keeping you in that job, that relationship, that life? Money. And the fact that nobody ever taught you how it works. School taught you the area of a triangle. Nobody taught you how to build wealth.

Poppy Jamie is a serial entrepreneur and three-time founder, and the host of Hot Girl Finance, a podcast helping women reclaim their understanding of and access to money.

In the first episode, Poppy makes the case for why every woman needs to understand money. Not someday. Now.

◼️ Why women were legally locked out of financial independence until 1975 

◼️ The statistic that will make your stomach drop: 1 in 4 women have stayed in a relationship because they couldn't afford to leave 

◼️ What happens to $6,000 in a bad savings account vs a good one over 10 years (the difference will make you angry) 

◼️ Why the gender wealth gap isn't about capability — it's about access 

◼️ Why learning this stuff isn't about greed. It's about freedom.

This is your starting point. Welcome to Hot Girl Finance.

Listen to the full episodes here:

Spotify

Apple

Watch on YouTube

Follow Hot Girl Finance

🔗 Save your money with Aave App: aave.com/app