In this episode of Women of Wealth, hosts Hawley Woods Gray and Allie Ramo sit down with U.S. veteran, real estate and international investor, author, and speaker Yolanda Davis for a deeply inspiring and honest conversation about identity, faith, finances, and the courage it takes to pivot into your next season.

Yolanda shares her powerful life journey - from serving nearly a decade in the U.S. Air Force, to raising three incredible children, becoming a grandmother, and building long-term wealth through real estate investing. Along the way, she discovered a calling to help women who feel stuck learn how to stop talking about change - and start deciding to change.

At the heart of the conversation is Yolanda’s signature framework, “The Pivot Decision.” She explains why pivoting alone isn’t enough - the real transformation happens when you make the decision to pivot, even before everything feels clear or perfect.

This episode dives into:

• How to recognize when you’re ready for a pivot
• Why clarity begins with quiet—and how to create space for it
• The power of Yolanda’s L-framework (Listen, Learn, Lean In, Let Go, Let In)
• Why “letting yourself in” may be the most important step of all
• How women can redefine their relationship with money by assigning it meaning
• A preview of Yolanda’s upcoming book, F Is for Finance, and why finances should feel fun, not fearful
• How faith, values, and intention guide smarter financial and life decisions

Yolanda also opens up about working one-on-one with women in six-month and one-year coaching containers, designed to help clients fully step into their authentic identity and build a life that reflects who they truly are - from the inside out.

✨ If you’ve been feeling nudged toward something more - but haven’t quite made the move - this episode is your reminder that you don’t need permission… you need a decision.

🔗 Connect with Yolanda Davis

• Email: contactyolanda@yahoo.com
• Be on the lookout for her upcoming book: F Is for Finance

For more awesome episodes visit our podcast website at WomenOfWealth@transistor.fm

Got a burning question or a topic you're itching to hear about? Slide into our DMs on Instagram at @Wowwomenofwealth. Now, let's turn those pennies into power moves!

In this episode of Women of Wealth, Hawley sits down with powerhouse CEO, leadership strategist, and founder of the Be Bold Movement, Kimberley Borgens, for a deeply honest and empowering conversation about confidence, entrepreneurship, and creating generational wealth as a woman - especially in male-dominated industries. Kimberly shares her unconventional journey from growing up in a military family to becoming a multimillion-dollar business owner leading over 70 employees. She breaks down the mindset shifts required to move from “doing it all yourself” to stepping fully into CEO identity, investing in yourself, and recognizing your true value—both personally and professionally.

Throughout the conversation, Kimberley challenges women to stop shrinking, stop apologizing, and start taking up space. From body language and confidence cues to redefining what it means to be “high maintenance” for yourself, this episode is packed with practical wisdom and real-life examples women can apply immediately.

Kimberley and Hawley also dive into:

• Why entrepreneurship is the greatest education you’ll ever pay for
• The importance of learning from failure instead of fearing it
• How women undervalue themselves—and how to change that narrative
• Raising children in entrepreneurship and modeling ownership and leadership
• Navigating business with a spouse and claiming the CEO seat with confidence
• Why community, advocacy, and the right rooms matter for women building wealth
• The critical differences between coaches, consultants, mentors, and advocates

Kimberley closes by sharing how women can connect with her through her free community, The Hive Hangout, and her podcast Superheroes in Heels, continuing the mission of empowering women to lead boldly, confidently, and unapologetically.

✨ This episode is a must-listen for women ready to stop playing small, own their voice, and build wealth with confidence and clarity.

🔗 Connect with Kimberley Borgens

• Website & Free Resources: KimberleyBorgens.com
• Podcast: Superheroes in Heels with Kimberley Borgens
• Community: The Hive Hangout

For more awesome episodes visit our podcast website at WomenOfWealth@transistor.fm

Got a burning question or a topic you're itching to hear about? Slide into our DMs on Instagram at @Wowwomenofwealth. Now, let's turn those pennies into power moves!

In this episode of Women of Wealth, we sit down with SF Money Coach, Carrie Friedberg, to explore the powerful intersection of money and psychology - and why so many capable, high-achieving women still feel anxious, ashamed, or overwhelmed when it’s time to talk finances.

Carrie shares her own journey from “financial mess” to full transformation through coaching, and explains how her background as an educator (yes—kindergarten!) shaped her signature approach: making money simple, approachable, and emotionally safe. Together, you’ll unpack common myths about budgeting, how mental health practices like meditation can support financial clarity, and why everyone needs at least one financial confidant.

The conversation also goes deep on relationships and money—including how family history and financial trauma can show up in marriage, what it really takes to align goals as a couple, and practical strategies to prevent the big blow-ups before they start.

In this episode, you’ll learn:

• Why money feels so emotional—and how to move from avoidance to empowerment
• The myth that “budgeting means you’ll never have fun again” (and what to do instead)
• Carrie’s concept of a financial confidant and why it can change everything
• The #1 hidden issue couples face: different money histories + unspoken expectations
• How to align financial goals while still honoring individual dreams
• A practical savings framework (three distinct savings “buckets”/accounts)
• How to set spending agreements that reduce conflict and build trust

Resources mentioned:

• Carrie Friedberg’s website: sfmoneycoach.com
• Book: At Peace With Money: A Holistic Roadmap to Financial Wellness (pre-sale available on Amazon & Barnes & Noble)
• Email: carrie@sfmoneycoach.com
• Free tool: “Financial Partnership Questions” (downloadable on Carrie’s website)

For more awesome episodes visit our podcast website at WomenOfWealth@transistor.fm

Got a burning question or a topic you're itching to hear about? Slide into our DMs on Instagram at @Wowwomenofwealth. Now, let's turn those pennies into power moves!

In this episode of Women of Wealth, Hawley sits down with powerhouse Dr. Lauren Powers—award-winning athlete, ten-time bodybuilding champion, stuntwoman, media personality, best-selling author, global speaker, and founder of Lauren Powers’ House of Body & Business. From being discriminated against as a firefighter for “not being strong enough” to becoming a 10x heavyweight bodybuilding champion and a Hollywood SAG actress, Lauren shares how faith, reinvention, and radical confidence have guided every chapter of her life.

She opens up about turning a gender discrimination lawsuit into fuel, competing and promoting in the bodybuilding world, pivoting during COVID into women’s empowerment, and now leading the Abundant Life Expo focused on health and wealth. Lauren and Hawley talk about faith over fear, shifting from lack to abundance, and what it really takes to walk into any room like Wonder Woman—spiritually, mentally, emotionally, and physically.

What We Cover in This Episode

• Lauren’s journey from firefighter to 10x bodybuilding champion—and how discrimination pushed her into her true strength.
• The politics of competitive bodybuilding and why she chose to create her own athlete-centered events.
• Pivoting during COVID from fitness competitions to women’s empowerment and now to health-and-wealth-focused events.
• How faith has always been present in her story—even before she had language for it—and why she now gives God all the glory.
• Practical confidence habits: self-talk, body language, how you enter a room, and why what you wear can become part of your message.
• Using your personal brand—like Lauren’s cross earrings and scripture necklace—to open doors and conversations about faith and purpose.
• How she keeps her body camera-ready in her 60s through simple daily habits, flexibility, movement, and mindset (including birthday cake with grace!).
• Shifting from a scarcity mentality to an abundance mindset and why Lauren says yes to opportunities, not just dollar signs.
• The heart behind her Abundant Life Expo and how she’s bringing health and wealth leaders under one roof.

Guest Links & Resources

• Connect with Dr. Lauren Powers:
  Website & events: laurenpowers.com
• Grab her book:
  Beneath the Muscle: Unleash Your Inner Champion – free digital download at beneaththemuscle.com

For more awesome episodes visit our podcast website at WomenOfWealth@transistor.fm

Got a burning question or a topic you're itching to hear about? Slide into our DMs on Instagram at @Wowwomenofwealth. Now, let's turn those pennies into power moves!

In this episode of Women of Wealth…
We sit down with award-winning real estate agent and team leader June Lemmings, the powerhouse behind June’s Team with Keller Williams Realty in Greeley, Colorado. From a childhood spent in a burnout trailer with no electricity to becoming a foster child with $100 and three jobs, June’s story is one of radical resilience, relentless work ethic, and using real estate as a path to true generational wealth.

June shares how she rebuilt her life, repaired her credit, and learned real estate “from the backside in” working with an investor–then turned that knowledge into a top-performing team built on relationships, referrals, and community impact, not cold leads. She opens up about winning Best of Greeley, Colorado multiple years in a row, what it really takes to create a winning team culture, and why she’d rather pour into her past clients than pay for online leads.

For women who are first-time homebuyers, entrepreneurs, or simply curious about using real estate as a wealth vehicle, June breaks down practical strategies—from buying your first home, to house hacking with duplexes, to using DSCR loans and smart credit rebuilding to get in the game sooner than you think. She also gets real about balance, what happened when she lost 120 pounds, and why delegation, boundaries, and a strong morning routine have been key to sustaining seven-figure success.

In This Episode, You’ll Hear:

• How June learned real estate through investment properties first, and why that shaped her passion for generational wealth.
• Why 86% of her business comes from past clients—and how client events, VIP experiences, and genuine relationships outperform internet leads.
• The culture equation behind June’s team: high standards, positivity, continuous growth (“green and growing, not ripe and rotten”), and the golden rule.
• Practical ideas for community-based marketing: seasonal events, charity tables, local women-in-business groups, and creating experiences your clients never forget.
• How June teaches first-time homebuyers to prepare: credit rebuilding, financial peace principles, and matching the right lender and loan product to each person.
• A simple breakdown of house hacking and DSCR loans—including examples of clients who went from first home to multiple rentals and no house payment.
• June’s honest take on 50-year mortgages, refinancing, and how to think long-term about interest, payments, and wealth building.
• The truth about balance as a single mom and business owner, why her health suffered, and how losing 120 pounds and prioritizing her morning routine changed everything.
• A powerful mindset reframe around time, delegation, and hiring your first assistant so you can double your impact without burning out.
• June’s favorite money book, Secrets of the Millionaire Mind, and her core belief that anyone can build wealth if they’re willing to learn and take action—no matter where they started.

Connect with June

• Website: JuneLemmings.com
• Social: June’s Team on Facebook, Instagram & LinkedIn
• Office: (970) 573-5791 (Mon–Fri, 8:30am–5:30pm MT)

For more awesome episodes visit our podcast website at WomenOfWealth@transistor.fm

Got a burning question or a topic you're itching to hear about? Slide into our DMs on Instagram at @Wowwomenofwealth. Now, let's turn those pennies into power moves!

In this episode of Women of Wealth…
We break down one of the most innovative and impactful offerings for today’s workforce: the Linqqs Health Management Plan (LHMP)—a health-and-wealth solution designed to give employees better care, employers better savings, and businesses a major competitive advantage… all at zero out-of-pocket cost.

We dive into the origins of health management plans within the Affordable Care Act and explain how LHMP evolved into a comprehensive solution that blends preventive healthcare, real-time medical access, mental health support, and retirement savings into one seamless experience.

🔹 What Employees Receive:

• Zero copays
• Free prescriptions
• 24/7 telehealth access (great for parents, late-night worries, or stubborn spouses!)
• Zero-cost lab testing & mental health visits
• A physician-reviewed, personalized care plan
• An FSA funded with pre-tax dollars for everyday essentials
• Employer-funded SEP IRA contributions to build long-term retirement wealth
• Access to the Medical Bill Eraser & Care Advocate — a powerful benefit few know exists

🔹 What Employers Gain:

• Lower turnover through meaningful benefits
• Improved productivity with proactive healthcare
• Potential 20–30% long-term healthcare savings
• Section 125 savings that flow back to the employees
• Stronger retention + a major hiring advantage
• Alignment with the SECURE Act 2.0, DOL, and ACA requirements
• Step-by-step support from the Linqqs business concierge team
• Potential tax credits that may offset setup fees entirely

🔹 Who LHMP Is For

LHMP is designed for businesses with:

• 10+ W-2 employees
• Employees earning at least $4,000/year
  (Linqqs is actively working to expand eligibility to match upcoming SECURE Act 2.0 standards.)

🔹 How Enrollment Works

Hawley and Allie walk you through the streamlined process:

1. Business owner completes a quick questionnaire
2. A 30–40 minute expert presentation
3. Census review to determine eligibility & savings
4. Creation of a benefits summary
5. 4–6 week employee education period
6. Open enrollment
7. Continued support for business owners + employees

🔹 Why This Matters Now

With rising healthcare costs, workforce shortages, and Social Security projected to reduce benefits by 2033, employees need preventive health support and private retirement strategies more than ever. LHMP offers both—beautifully packaged, fully compliant, and incredibly accessible.

Want to find out if your business qualifies for the Linqqs Health Management Plan?
Click the link below to schedule your LHMP Questionnaire + Expert Presentation.

👉 https://book.appreciationfinancial.com/widget/bookings/15-minute-consultation-aramo

Watch this youtube video for more information:
https://www.youtube.com/watch?v=WSbwdOHCUJc

You can also connect with us on social media (@wowwomenofwealth) or reach out directly through the Women of Wealth platforms to get started!

For more awesome episodes visit our podcast website at WomenOfWealth@transistor.fm

Got a burning question or a topic you're itching to hear about? Slide into our DMs on Instagram at @Wowwomenofwealth. Now, let's turn those pennies into power moves!

In this episode of Women of Wealth… we sit down with new agent and natural hustler Vee Jones to pull back the curtain on what the first year in life insurance really looks like. From growing up in the Philippines without consistent electricity to crossing the six-figure mark in just eight months, Vee shares how her “no quit” mindset and deep family “why” pushed her through the rocky start every new agent faces.

You’ll hear how Vee went from running a photo booth side business to building a thriving book of business with Appreciation Financial, helping teachers and public employees understand their pensions, retirement options, and the power of guarantees. She talks candidly about making mistakes, being trained (and then becoming a trainer herself), and why she believes insurance is one of the best entry points into entrepreneurship - especially for women and moms who crave flexibility and financial independence.

This episode is a must-listen if you’re considering a career change, want more control over your time, or you’re curious what’s actually possible in your first year as a life insurance agent.

Who This Episode Is For

• Women who are burned out in corporate and craving more flexibility and upside.
• Moms who want to be present for their kids and build serious income.
• Side-hustlers wondering if it’s time to turn “extra cash” into a true career.
• Anyone curious what it really looks like to build a six-figure business in year one of life insurance.

Connect with Vee Jones

• Facebook: Vee Jones (V E E Jones)
• Instagram: v.jones_5
• Email: VerdelleJones@appreciationfinancial.com

Vee is happy to connect, answer questions, and share more about her journey into life insurance and entrepreneurship.

Connect with Women of Wealth:

• Follow Women of Wealth on your favorite podcast platform
• Connect with Hawley Woods Gray & Allie Ramo on social media
• Share this episode with someone who’s thinking about a career change or looking for a way to never be laid off again

For more awesome episodes visit our podcast website at WomenOfWealth@transistor.fm

Got a burning question or a topic you're itching to hear about? Slide into our DMs on Instagram at @Wowwomenofwealth. Now, let's turn those pennies into power moves!

In this episode of Women of Wealth… Allie sits with Pam Cytron, President of Founders Arena Wealth Tech Accelerator, to reframe the conversation from “the great wealth transfer” to the great wealth build. Pam shares how an unconventional start in FinTech turned into a career launching and scaling category-defining products (including BlackRock’s Aladdin), why younger generations are building wealth earlier, and how behavior-driven, hyper-personalized tools will shape the next era of money.

We dig into data privacy (and why YOU should bring your own “key” to the internet), practical founder guidance - get advice before you get capital - and what wealth really means beyond account balances: the disciplines and behaviors we pass to the next generation.

What you’ll learn:

• Wealth build vs. wealth transfer: Why most transfer dollars land with Gen X...and how Gen Z/Millennials are creating wealth sooner.
• Behavior > charts: The emerging wave of behavioral wealth tech that personalizes goals, spending, and giving (think donor-advised funds for everyone).
• Founders’ first move: Don’t raise yet - structure your money with a wealth advisor (bot, hybrid, or human) before you take outside capital.
• Data privacy 101: The case for user-controlled digital vaults and better everyday habits (passwords, voice/face risks, cookie fatigue).
• Women & funding: We often ask for less - how to flip that mindset and request what the business truly needs.

Pam’s startup tip:

Pam’s favorite planning tool for new founders: LivePlan - to draft the plan, build budgets, and model the business without gnarly spreadsheets.

Connect with Pam:

• LinkedIn: Pam Cytron (active and responsive)
• Email: Pamela@thefoundersarena.com

For more awesome episodes visit our podcast website at WomenOfWealth@transistor.fm

Got a burning question or a topic you're itching to hear about? Slide into our DMs on Instagram at @Wowwomenofwealth. Now, let's turn those pennies into power moves!