In this reflective episode of Loud Investing, Chanel explores one of the most underrated financial tools you have access to at any time, conversation. She explains why silence around money is so expensive, how avoidance fuels anxiety, and what changes when you start saying your fears out loud with people you trust. Drawing on classic investing books and real life experience, she shares practical conversation starters you can use so money talk feels natural, empowering, and even bonding. You Will Hear Highlights On • Why now is the perfect time to talk about the future • How silence around money creates anxiety • What classic money books have in common about facing reality and uncomfortable truths • Simple scripts to turn awkward small talk into empowering money conversations • Why speaking your financial intentions out loud helps both you and the people around you Actionable Steps  • Choose one person you trust and ask a simple money question • Use a book as a bridge - share one idea from a money book that changed how you think and explain how you applied it • Name your first investing fear - describe honestly how you felt the first time you put money into the market and what actually happened Key Moments Within the Episode (01:34) How guessing about money creates anxiety and why talking reduces that pressure (02:38) Three conversation scenarios that turn small talk into empowerment (09:02) Purchasing power, inflation and why cash can be more risky than investing (10:25) Why good investing could be sitting still while others panic (17:48) The end of year challenge to ask one powerful money question and break the silence Helpful Links Warwick Business School study on women outperforming men as investors⁠ https://www.wbs.ac.uk/news/are-women-better-investors-than-men/⁠ eToro research on the ‘confidence gap’ and women in financial services⁠https://www.etoro.com/news-and-analysis/investing/is-financial-services-obsession-with-confidence-gap-putting-women-off-investing/⁠ Understanding behavioural finance and emotional biases⁠ https://www.etoro.com/investing/understanding-behavioural-finance/⁠ Inflation and how it affects your purchasing power and investments⁠ https://www.investopedia.com/ask/answers/what-is-inflation-and-how-should-it-affect-investing/⁠ Benjamin Graham, The Intelligent Investor ⁠https://en.wikipedia.org/wiki/The_Intelligent_Investor⁠ Robert Kiyosaki, Rich Dad Poor Dad ⁠https://www.richdad.com/⁠ Tony Robbins, Unshakeable⁠https://www.simonandschuster.com/books/Unshakeable/Tony-Robbins/Tony-Robbins-Financial-Freedom-Series/9781508232704⁠ Morgan Housel, The Psychology of Money⁠ https://www.amazon.com/Psychology-Money-Timeless-lessons-happiness/dp/0857197681⁠ Morgan Housel, The Art of Spending Money⁠https://www.kiplinger.com/personal-finance/spending/morgan-housel-interview-the-art-of-spending⁠ Guide on how to talk about money with family and friends ⁠https://www.letsriseup.com/open-up-about-money-psychotherapist-advice/⁠ eToro press release on Gen Z turning investing into a dinner table topic ⁠https://www.etoro.com/news-and-analysis/press-releases/gen-z-turning-investing-into-dinner-table-topic-younger-investors-far-more-open-discussing-portfolios-with-friends-and-family/⁠ Important Disclosures This podcast is for information and educational purposes only and should not be taken as investment advice, a personal recommendation or an offer of or solicitation to buy or sell any financial instruments. This material has been prepared without taking into account any particular recipient investment objectives or financial situation and has not been prepared in accordance with the legal and regulatory requirements to promote independent research. Past performance is not an indication of future results.

The end of the year brings not only sales and celebrations but also emotional chaos around money. In this episode of Loud Investing, Chanel unpacks the hidden psychology behind FOMO, from festive shopping sprees to market bubbles, and shows how the same brain chemistry drives both. She explains what really happens in your brain when dopamine takes over and how learning emotional discipline can transform both your wallet and your portfolio. You’ll Hear Highlights On: • The link between Holiday shopping behavior and market psychology • How dopamine fuels impulsive decisions in both spending and investing • Why limited time offers trigger survival responses in your brain • The real reason FOMO keeps you chasing what is next • Historical lessons from tulip mania and meme stocks • How to rewire your mindset to make calm, long term decisions Actionable Steps You Can Take Toward Your Financial Future: Notice emotional triggers. Before making an investment, pause and name what you are feeling, for example excitement, fear, or pressure. Create a Yes List and No List. Decide in advance what you will and will not spend on before the noise begins. Wait seven days. If you still want it after a week and it fits your plan, go ahead, otherwise let it go. Do a monthly portfolio wardrobe check. Review which investments still fit your goals and which you have outgrown. Track emotional patterns. Journal what made you act impulsively and what helped you stay calm. Key Moments within the Episode: (00:00) Why this time of year challenges our financial discipline (01:22) How emotional spending mirrors investor FOMO (05:45) Why dopamine makes us chase more (07:30) The GameStop frenzy and Black Friday effect (08:40) Tulip mania and how hype distorts value (10:50) What social media learned from centuries of crowd psychology (11:45) Recognising when panic could create opportunities (15:13) Building emotional boundaries and no FOMO rules (16:00) Using time to your advantage, why waiting pays (21:00) The wardrobe metaphor for your portfolio Helpful Links: eToro Academy: Understanding Investor Psychology: https://www.etoro.com/investing/psychology-of-investing/  eToro Academy: How to Build an Investment Portfolio: https://www.etoro.com/academy/courses/building-your-portfolio/  Understanding Investment Risk https://www.investopedia.com/terms/r/risk.asp   Investopedia: FOMO in Investing: https://www.investopedia.com/fomo-investing-protect-your-money-11757950  Harvard Business Review: Emotional Regulation: https://hbr.org/2016/11/how-to-manage-your-emotions-without-fighting-them Daniel Z. Lieberman, The Molecule of More: https://www.goodreads.com/work/quotes/60312456-the-molecule-of-more-how-a-single-chemical-in-your-brain-drives-love-s  Mike Dash, Tulipomania: https://www.goodreads.com/en/book/show/431668.Tulipomania Warren Buffett 1986 Letter to Shareholders: https://www.berkshirehathaway.com/letters/1986.html MoneySavingExpert: How to Avoid Overspending: https://www.express.co.uk/finance/personalfinance/1970702/money-saving-expert-how-to-stop-spending-martin-lewis Important Disclosures: This podcast is for information and educational purposes only and should not be taken as investment advice, a personal recommendation or an offer of or solicitation to buy or sell any financial instruments. This material has been prepared without taking into account any particular recipient's investment objectives or financial situation and has not been prepared in accordance with the legal and regulatory requirements to promote independent research. Past performance is not an indication of future results.

Investing is often described as a technical or analytical skill, but it is also deeply creative. In this episode of Loud Investing, Chanel explores how building an investment portfolio can feel like designing your dream home. From core foundations to statement pieces, she breaks down the elements of a balanced portfolio and shows how each choice can reflect your goals, values, and personality. You’ll Hear Highlights On: How to see investing as a creative, expressive process. What your portfolio design says about your values.The role of diversification in creating financial balance.Understanding dividend stocks and how passive income works. Why your portfolio should evolve as you grow. Actionable Steps You Can Take Toward Your Financial Future: Visualize your financial life like a home and define what you want it to feel like. Build your financial foundation with savings, ETFs, and stable assets such as bonds or gold. Add personal touches through stocks in companies that reflect your interests or lifestyle. Research one dividend-paying company and analyze its consistency, yield, and payout ratio. Create a financial mood board that captures your goals, feelings, and future vision. Key Moments within the Episode: (00:00) Realizing the connection between money and creativity (01:30) How portfolio building mirrors interior design (03:30) Defining your portfolio’s core foundations (04:45) The role of stability assets such as bonds and gold (05:34) Adding personal touches with lifestyle-aligned stocks (06:00) The importance of dividend-paying stocks for passive income (06:55) Including statement investments such as innovation or crypto (07:26) Understanding diversification as portfolio balance (08:54) Creating a money mood board (10:38) Exploring the idea of passive income (12:00) How to identify dividend stocks and avoid yield traps (14:14) Using eToro’s Dividend Calendar and AI assistant Tori (15:21) Understanding the ex-dividend date (17:01) Creating your own financial mood board challenge (18:44) Allowing your portfolio to evolve as you grow Helpful Links: eToro Academy: How to Build an Investment Portfolio    https://www.etoro.com/investing/how-to-build-an-investment-portfolio/  What Are ETFs  https://www.investopedia.com/terms/e/etf.asp  Understanding Asset Classes    https://www.investopedia.com/terms/a/assetclasses.asp  Understanding Bonds    https://www.getsmarteraboutmoney.ca/learning-path/bonds/how-bonds-work/  Understanding Dividend Stocks    https://www.investopedia.com/terms/s/stockdividend.asp  eToro Academy: Understanding Dividend Stock https://www.etoro.com/investing/what-are-dividends Investopedia: Dividend Yield Explained    https://www.investopedia.com/terms/d/dividendyield.asp Investopedia: Payout Ratio    https://www.investopedia.com/terms/p/payoutratio.asp Coca-Cola Investor Relations    https://investors.coca-colacompany.com/ Microsoft Investor Relations    https://www.microsoft.com/investor/  Johnson and Johnson Investor Relations    https://investor.jnj.com/ Spotify Investors    https://investors.spotify.com/   Apple Investor Relations    https://investor.apple.com/ eToro Academy: Dividend Calendar    https://www.etoro.com/investing/dividend-calendar/  Understanding the Ex-Dividend Date    https://www.investopedia.com/terms/e/ex-dividend.asp  James Clear: The Power of Habits    https://jamesclear.com/habits  Important Disclosures: This podcast is for information and educational purposes only and should not be taken as investment advice, a personal recommendation or an offer of or solicitation to buy or sell any financial instruments. This material has been prepared without taking into account any particular recipient's investment objectives or financial situation and has not been prepared in accordance with the legal and regulatory requirements to promote independent research. Past performance is not an indication of future results.

Playing it safe might feel comfortable, but growth begins when you step beyond your limits. In this episode of Loud Investing, Chanel reflects on what it means to take calculated risks as a new investor. From choosing your first assets to managing uncertainty, she explores how courage and strategy work together to build knowledge in the markets. You’ll Hear Highlights On: What it means to take a calculated risk in investing. How to evaluate opportunities using research, not emotion. How diversification and asset mix protect you from big losses. Why growth in investing often starts outside your comfort zone. Actionable Steps You Can Take Toward Your Financial Future: Research two asset classes you are unfamiliar with and compare their risk profiles. Start a small, new investment outside your usual comfort zone and track your progress. Review how much of your portfolio is allocated to low, medium, and high-risk assets. Read one educational resource per week about risk management. Reflect on a personal fear you overcame and apply the same mindset to your investing journey. Key Moments within the Episode: (01:34) Why taking risks matters for growth (01:34) Why taking risks matters for growth (01:58) How calculated risks differ from reckless ones (03:06) Learning from early investing mistakes (03:53) Building courage through small experiments (04:30) How diversification reduces risk (05:19) Understanding risk and reward balance (18:06) The role of confidence in decision-making (21:39) How research creates certainty in uncertainty (22:02) Stepping outside your comfort zone as an investor Helpful Links: Understanding Investment Risk https://www.investopedia.com/terms/r/risk.asp   eToro Academy: Diversification in Investing   https://www.etoro.com/investing/how-to-build-a-diversified-portfolio/   eToro Academy: How to Build an Investment Portfolio   https://www.etoro.com/academy/courses/building-your-portfolio/   Investment Strategies Explained: eToro Academy https://www.etoro.com/investing/investment-strategies/  How to Choose an Investment Strategy   https://www.investopedia.com/investing/investing-strategies/  Understanding Asset Classes   https://corporatefinanceinstitute.com/resources/wealth-management/asset-class/  Investopedia: What Is Risk Tolerance https://www.investopedia.com/terms/r/risktolerance.asp  Understanding Portfolio Diversification   https://www.investopedia.com/terms/d/diversification.asp  S&P 500 has never suffered a loss over a 20-year period https://www.nasdaq.com/articles/cant-lose-investing-strategy-has-never-lost-money-2017-05-12 Important Disclosures: This podcast is for information and educational purposes only and should not be taken as investment advice, a personal recommendation or an offer of or solicitation to buy or sell any financial instruments. This material has been prepared without taking into account any particular recipient's investment objectives or financial situation and has not been prepared in accordance with the legal and regulatory requirements to promote independent research. Past performance is not an indication of future results.

Emotions play a bigger role in investing than most people realise. In this episode of Loud Investing, Chanel explores how to handle market ups and downs without losing focus. Discover how to make decisions based on strategy, not emotion. You’ll Hear Highlights On: Why emotional control matters more than timing the market. How confidence grows through experience and small wins. The link between psychology and market performance. Why volatility can be an opportunity, not a threat. Simple ways to build a resilient investor mindset. Actionable Steps You Can Take Toward Your Financial Future: Track your reactions to market changes and write down how they affect your confidence. Read one trusted financial publication instead of scrolling news headlines. Review your portfolio once a month instead of every day. Join an investor community to share insights and stay accountable. Key Moments within the Episode: (00:00) Understanding the emotional side of investing (01:42) How new product launches can move stock prices (02:41) Why quarterly earnings reports matter (03:12) Reading economic indicators and trends (04:38) How inflation and interest rates affect your portfolio (06:04) Staying confident during market volatility (06:30) Building habits that support financial consistency (07:25) Making smarter financial decisions through self-awareness (09:17) Using the eToro community to learn and grow Helpful Links: Morgan Housel: The Psychology of Money   https://www.collaborativefund.com/blog/the-psychology-of-money/ Spotify Investors: AI DJ Product Announcement   https://newsroom.spotify.com/2023-02-22/spotify-debuts-a-new-ai-dj-right-in-your-pocket/   How Company Announcements Affect Stocks   https://www.investopedia.com/ask/answers/155.asp#:~:text=Positive%20news%20will%20normally%20cause,an%20increase%20in%20stock%20prices.  eToro Academy: What Are Earnings Reports https://www.etoro.com/en-us/academy/videos/earnings-made-simple/ Understanding Economic Indicators   https://corporatefinanceinstitute.com/resources/economics/economic-indicators/   Understanding Interest Rates   http://bankofengland.co.uk/explainers/what-are-interest-rates  Inflation Explained https://www.bankofengland.co.uk/explainers/what-is-inflation  Federal Reserve: How Interest Rates Affect the Economy   https://www.pbs.org/newshour/economy/how-does-a-federal-reserve-rate-cut-affect-your-finances-4-things-to-know  eToro Academy: Understanding Market Volatility   https://www.etoro.com/stocks/market-volatility/  How to Stay the Course During Market Volatility   https://investor.vanguard.com/investor-resources-education/market-volatility James Clear: The Power of Habits   https://jamesclear.com/habits How to Make Better Financial Decisions   https://www.ft.com/content/5ba8bf83-84ad-4ff3-85c3-6d6a6cdfc1ba  Psychology Today: How Emotions Influence Financial Decisions   https://www.psychologytoday.com/us/blog/psychology-money-and-happiness/202403/how-emotions-impact-your-financial-decisions  eToro Academy: How Inflation Affects Your Investments   https://www.etoro.com/academy/summer-school/how-inflation-affects-the-markets/  Important Disclosures: This podcast is for information and educational purposes only and should not be taken as investment advice, a personal recommendation or an offer of or solicitation to buy or sell any financial instruments. This material has been prepared without taking into account any particular recipient's investment objectives or financial situation and has not been prepared in accordance with the legal and regulatory requirements to promote independent research. Past performance is not an indication of future results.

Starting can be the hardest part, especially when it comes to investing. In this episode of Loud Investing, Chanel explains how to move from learning to doing, guiding you through the exact steps to go from demo account to real investing. You’ll learn about ETFs, diversification, risk tolerance, and how to build an investment strategy that actually fits your goals. You’ll Hear Highlights On: How to move from practicing in a demo account to real investing. The Core and Satellite strategy that helps balance risk and growth. Why ETFs are a great starting point for beginner investors. How diversification protects you from market swings. The role of psychology in investing and how to manage fear of loss. How to build an investing habit that sticks. Actionable Steps You Can Take Toward Your Financial Future: Open a demo account and practice making trades without risk. Choose an ETF that tracks a major index like the S&P 500 or FTSE 100. Start small with a Core and Satellite strategy, using ETFs for stability and a few individual stocks for growth. Automate your investments through recurring deposits and stick to a schedule. Track your emotions, notice how you react to gains and losses, and adjust your mindset. Key Moments within the Episode: (00:00) Why starting small is the most powerful first move (01:00) The Core and Satellite investing strategy explained (03:19) ETFs and how diversification works in your favor (05:01) Understanding S&P 500 historical performance (06:13) Behavioral psychology, why we feel losses more than gains (08:00) How to use Dollar-Cost Averaging to reduce emotional risk (10:04) Automating your investing strategy (11:23) The mindset shift from consumer to investor (12:37) Building the habit of consistency Helpful Links: eToro Academy: How to Practice Trading with a Demo Account   https://www.etoro.com/trading/demo-account/  Core and Satellite Investing Explained   https://www.investopedia.com/articles/financial-theory/08/core-satellite-investing.asp   What Are ETFs?   https://www.etoro.com/investing/what-is-etf/  Diversification in Investing   https://www.etoro.com/investing/how-to-build-a-diversified-portfolio/  James Clear: The Power of Habits   https://jamesclear.com/habits Morgan Housel: The Psychology of Money   https://www.collaborativefund.com/blog/the-psychology-of-money/ Harvard Blog: The Power of Small Wins   https://summer.harvard.edu/blog/why-celebrating-small-wins-matters/#What-Are-the-Benefits-of-Celebrating-Small-Accomplishments  S&P 500 Index Overview   https://www.spglobal.com/spdji/en/indices/equity/sp-500/FTSE 100 Index Overview   https://www.londonstockexchange.com/indices/ftse-100 NerdWallet: Average Stock Market Return (S&P 500 Historical Performance)   https://www.nerdwallet.com/article/investing/average-stock-market-return S&P 500 ETFs https://www.justetf.com/uk/how-to/sp-500-etfs.html  Investopedia: Prospect Theory   https://www.investopedia.com/terms/p/prospecttheory.asp  Understanding Investment Risk   https://www.investopedia.com/terms/r/risk.asp  eToro Academy: What Is Dollar-Cost Averaging?   https://www.etoro.com/investing/dollar-cost-averaging/  Spotify Shares Drop: ⁠https://www.cnbc.com/2025/07/29/spotify-spot-stock-q2-2025-earnings.html⁠  Important Disclosures: This podcast is for information and educational purposes only and should not be taken as investment advice, a personal recommendation or an offer of or solicitation to buy or sell any financial instruments. This material has been prepared without taking into account any particular recipient's investment objectives or financial situation and has not been prepared in accordance with the legal and regulatory requirements to promote independent research. Past performance is not an indication of future results.

Some people love the thrill of picking stocks. Others prefer to set it and forget it. But when it comes to investing, the real question is what kind of investor are you?In this episode of Loud Investing, Chanel breaks down the psychology of investing styles, from long-term investors to active traders, and how to choose a strategy that fits who you are. You’ll learn what to consider before jumping into the market, how to approach emotion-driven decisions, and why your personality might be your biggest investing edge. You’ll Hear Highlights On: - The difference between passive and active investing and which one might suit you best. - Why matching your money personality to your strategy can help you stay consistent. - How risk tolerance and time horizon define your ideal investing style. - Real-life examples of investor types from Warren Buffett and others. - The link between self-awareness, emotional control, and better investment outcomes. Actionable Steps You Can Take Toward Your Financial Future 1. Identify your investing personality. Are you cautious, curious, or confident? Reflect on how you handle uncertainty and risk. 2. Define your time horizon. Decide whether you’re investing for short-term goals or long-term growth. 3. Test your strategy. Try a demo (practice) account  or small recurring investments to see what feels right. 4. Review and rebalance. Set a regular check-in to make sure your investments still match your goals and mindset. Key Moments within the Episode (02:12) The difference between active and passive investors (04:25) How to know if you’re a hands-on or hands-off investor (07:40) Warren Buffett’s philosophy on emotional discipline (09:15) ETFs and why they’re perfect for long-term thinkers (12:08) The Spotify example: invest in what you believe in (15:45) Action vs. emotion how to stay rational when markets move (18:22) The power of self-awareness  (20:05) Power Move of the Week: Know your type, invest your way Helpful Links eToro Academy: How to Choose an Investment Strategy  https://www.etoro.com/academy/education/how-to-choose-an-investment-strategy/ eToro Academy: Active vs. Passive Investing Explained  https://www.etoro.com/academy/education/active-vs-passive-investing/ eToro Academy: Understanding ETFs  https://www.etoro.com/academy/education/what-are-etfs/ Warren Buffett Investing Principles  https://www.cnbc.com/2025/08/11/money-psychology-expert-warren-buffett-agree-on-best-way-to-invest.html  Understanding Risk Profiles  https://www.etoro.com/en-us/news-and-analysis/etoro-updates/risk-score-what-it-is-and-how-its-calculated/ How to open a demo account https://www.etoro.com/trading/demo-account/ Important Disclosures This podcast is for information and educational purposes only and should not be taken as investment advice, a personal recommendation or an offer of or solicitation to buy or sell any financial instruments.This material has been prepared without taking into account any particular recipient's investment objectives or financial situation and has not been prepared in accordance with the legal and regulatory requirements to promote independent research. Past performance is not an indication of future results.

In this episode Chanel dives deep into the gender investment gap, why it exists, how it shows up in our lives, and what can happen when you decide to step into your superpower as an investor. You’ll hear the story behind the £678 billion gender investment gap, the emotional and cultural barriers that have kept women from investing, and the mindset shifts that can turn fear into financial freedom. Key Moments within the Episode (00:36) Gender investment gap overview and UK statistics (02:27) The gender pay gap and how it affects investment confidence (03:21) Barriers to investing: confidence and risk awareness (05:08) Media representation and the power of seeing yourself in finance (06:03) How neuroscience explains why representation changes beliefs (08:14) Data shows women outperform men, Warwick Business School study (11:21) Building confidence through incremental steps (13:20) The action vs. motion mindset and why starting matters (15:05) The best time to start is now: overcoming procrastination (19:11) Breaking the “people like me don’t invest” belief (23:42) Power Move of the Week: Flip the Fear (25:18) Own what you love: invest in brands you believe in Chanel Monteine is a former CNBC London journalist turned entrepreneur who’s bringing you along her investing and money mindset journey. Join the Loud Investing community Follow on Instagram: www.instagram.com/etoro_official TikTok: www.tiktok.com/@loudinvesting Helpful Links The Gender Investment Gap: overview and research by Boring Money (2025) https://www.boringmoneybusiness.co.uk/learn/articles/the-gender-investment-gap-increases-for-second-year-in-a-row/ Barriers to investing https://www.etoro.com/academy/education/how-to-start-investing/ Representation and perception https://www.weforum.org/agenda/2023/03/women-finance-gender-gap/ Wall Street film reference https://www.imdb.com/title/tt0094291/ Mirror neurons and representation effect https://positivepsychology.com/mirror-neurons/ On risk management https://www.etoro.com/investing/risk-management/ 2018 Warwick Business School study https://www.wbs.ac.uk/news/are-women-better-investors-than-men/ Confidence through incremental steps https://jamesclear.com/continuous-improvement 1% improvement rule (37x growth) https://jamesclear.com/continuous-improvement First investment regret (Bitcoin 2018) https://jamesclear.com/motion-vs-action “The best time to start” concept https://www.etoro.com/investing/why-should-i-start-investing/ Risk appetite analogy (mountain climbers vs. hikers) https://www.etoro.com/en-us/news-and-analysis/etoro-updates/risk-score-what-it-is-and-how-its-calculated/ Learn more about how eToro is closing the gender investment gap at https://www.etoro.com/LoudInvesting Important Disclosures This podcast is for information and educational purposes only and should not be taken as investment advice, a personal recommendation or an offer of or solicitation to buy or sell any financial instruments.  This material has been prepared without taking into account any particular recipient's investment objectives or financial situation and has not been prepared in accordance with the legal and regulatory requirements to promote independent research. Past performance is not an indication of future results.

You work hard for your money, how can it work just as hard for you? Welcome to Loud Investing, we’re a podcast for anyone who’s felt left out or behind when it comes to investing and your financial future. Chanel gets vulnerable and shares her personal financial journey from consumer to investor and how changing her mindset- changed everything. We’ll be talking about how your money really is your power and how you can start to save by changing your behaviour around small purchases along with exercises to help you discover your unconscious money patterns. You’ll Hear Highlights On: Money Mindset: How small daily financial decisions compound over time and can significantly impact long-term wealth building and your financial future How to Start Investing: Starting with what you have now is more important than waiting for the "perfect" amount to begin your Investing journey Investing for Beginners: How to get started investing with consistency and discipline Budgeting Hack: The "skipped purchase fund" strategy and how you can use it to identify one regular expense to eliminate and redirect that money toward investing Cognitive dissonance: What it is and how it can reveal gaps between how you see yourself financially versus how others perceive your money mindset Investing Mindset Shift: How your identity transformation around money needs to come before behavioral change. How you can decide that "money loves me and I'm fantastic with money". Financial independence comes from making money work for you Actionable Steps You Can Take Toward Your Financial Future Create a 'Skipped Purchase Fund' The 'Me + Money = ?' cognitive dissonance exercise Key Moments within the Episode (00:24) Introduction to The "Loud Investing" podcast (03:26) The "avocado toast" realisation and symbolic spending habits (04:54) Personal math breakdown: How you could spend £2,400 annually on brunches (08:01) Visualizing yourself next to money as an entity (09:21) Chanel’s childhood financial story and how it influenced her spending habits (12:00) Ronald Reid’s story, the janitor who built $8M portfolio (14:05) Introduction of the weekly "power move" challenge and actionable steps for you (15:24) The cognitive dissonance bonus challenge, and how to change yours (17:34) Episode wrap-up and a preview of next week’s episode on the gender wealth gap Chanel Monteine is a former CNBC London journalist turned entrepreneur who’s bringing you along her investing and money mindset journey. Join the Loud Investing community Follow on Instagram: www.instagram.com/etoro_official TikTok: www.tiktok.com/@loudinvesting Helpful Links Behavioural money habits: https://jamesclear.com/habits Dollar-cost averaging: https://www.etoro.com/academy/education/what-is-dollar-cost-averaging/ Tiny gains concept: https://jamesclear.com/continuous-improvement Identity-based habits: https://jamesclear.com/identity-based-habits Start with what you have: https://www.etoro.com/academy/education/how-to-start-investing/ Ronald Read’s story: https://www.nytimes.com/2015/03/09/business/ronald-read-frugal-vermont-philanthropist-dies-at-92.html Dividend investing explained: https://www.etoro.com/academy/education/what-are-dividend-stocks/ Atomic Habits by James Clear: https://jamesclear.com/atomic-habits Learn more about how eToro is closing the gender investment gap at www.etoro.com/LoudInvesting  Important Disclosures This podcast is for information and educational purposes only and should not be taken as investment advice, a personal recommendation or an offer of or solicitation to buy or sell any financial instruments.  This material has been prepared without taking into account any particular recipient's investment objectives or financial situation and has not been prepared in accordance with the legal and regulatory requirements to promote independent research. Past performance is not an indication of future results.

New episodes every Tuesday Ready to get loud about your financial future? Join former CNBC London journalist Chanel Monteine for Loud Investing -  No jargon, no judgment, just real talk about investing.  If you’ve ever thought “investing just isn’t for me,” we invite you to think again. New episodes every Tuesday with real stories, practical tips, and honest conversation that’ll help you stop feeling anxious about money and start feeling excited about your possibilities.Your investing journey starts here. The content discussed is for educational purposes only and is not investment advice. Investing involves risks. The views shared are general in nature and not tailored to any individual. Always do your research before making financial decisions.