Friends That Invest

This week, Sim breaks down the K-shaped economy, why the rich are getting richer while everyday households struggle with rising living costs, and what this growing wealth gap means for your money. She explains how inflation, interest rates, housing costs, and stock market growth are creating two very different financial realities, even for people earning similar salaries. Plus, Sim shares practical ways to protect your finances, from paying down high-interest debt and building an emergency fund to investing in index funds and building long-term wealth.

Watch on YouTube | Somnipods 3

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This week, Sim breaks down whether you can retire with $1 million on an average salary, even if you're starting to invest in your 30s or 40s. Using real retirement savings scenarios, she explores how much you need to invest each month, the power of compound interest, and how contributing 10% to 15% of your income could help you build a million-dollar retirement portfolio. Plus, Sim explains how inflation affects your retirement savings, whether $1 million will actually be enough to retire comfortably, and the simple investing habits that can help you build long-term wealth without earning a six-figure salary.

Watch on YouTube | Somnipods 3

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Stock Market Tea build financial confidence in under 5 minutes a week. Join 140,000+ investors in training

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This week, Sim explores why we're calling everything an investment, from designer handbags and luxury clothing to beauty treatments and plastic surgery, and how this mindset is fuelling consumerism. She breaks down the difference between investing and spending, why women feel pressured to justify expensive purchases as "investments," and how social media and beauty standards influence our financial decisions. Plus, Sim shares three practical ways to rethink your spending habits, avoid unnecessary purchases, and enjoy your money without guilt while still building long-term wealth.

Watch on YouTube | Somnipods 3

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Stock Market Tea build financial confidence in under 5 minutes a week. Join 140,000+ investors in training

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This week, Sim sits down with Haley Sacks, better known as Mrs. Dow Jones, to discuss the biggest money mistakes millennial and Gen Z women make and why traditional financial advice no longer works for today's economy. From managing the rising cost of living and avoiding overspending to negotiating higher salaries, investing, and building wealth, Haley shares practical money habits from her bestselling book Future Rich Person. They also explore the hidden financial pressures women face, the dangers of online betting and prediction markets, and how to take control of your financial future without sacrificing the life you want to enjoy today.

Watch on YouTube | Somnipods 3

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Stock Market Tea build financial confidence in under 5 minutes a week. Join 140,000+ investors in training

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This week, Sim answers your biggest questions about starting a business, from finding the right idea and getting your first mentor to navigating the difficult early years of entrepreneurship. She shares what building Friends That Invest taught her about testing ideas, listening to customers, managing hustle culture, and growing a business while still working a full-time job. Plus, Sim shares how entrepreneurship helped her build wealth and why you don’t need the perfect idea, lots of capital, or all the answers before you start.

Watch on YouTube | Somnipods 3

More from Friends That Invest:

Stock Market Tea build financial confidence in under 5 minutes a week. Join 140,000+ investors in training

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This week, Sim breaks down the rapid rise of prediction markets and betting apps like Kalshi and Polymarket, and why she’s concerned about the way they’re being marketed to young people and women. She explores how these platforms differ from investing, why most users can lose money, and how pop culture campaigns around shows like Love Island are making betting feel more mainstream and accessible. If you’ve ever wondered where the line sits between investing, prediction markets and gambling, this episode explores why understanding the difference matters for your money.

Watch on YouTube | Somnipods 3

More from Friends That Invest:

Stock Market Tea build financial confidence in under 5 minutes a week. Join 140,000+ investors in training

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This week, Sim breaks down how to avoid lifestyle creep as your income grows and the people around you start spending more. She shares five practical strategies for managing pay rises and bonuses, avoiding the comparison trap, curating your social media, and defining what your own “rich life” actually looks like. If you want to enjoy earning more without letting bigger houses, nicer cars, luxury purchases, or social pressure derail your financial goals, this episode will help you spend according to what you genuinely value.

Watch on YouTube | Somnipods 3

More from Friends That Invest:

Stock Market Tea build financial confidence in under 5 minutes a week. Join 140,000+ investors in training

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This week, Sim shares the simple money routines she actually uses to stay on top of her finances, without spending hours budgeting or tracking every purchase. She breaks down how to review subscriptions and recurring bills, rebalance your investment portfolio, and create a cash flow plan that helps you save and invest consistently. If you want a realistic financial routine that keeps your money organised and your long-term goals on track, these four habits are a great place to start.

Income + Budget Planner

Watch on YouTube | Somnipods 3

More from Friends That Invest:

Stock Market Tea build financial confidence in under 5 minutes a week. Join 140,000+ investors in training

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This week, Sim answers your biggest money and life questions, from how much you should be saving and investing to asking for a pay rise, changing careers, and whether rentvesting could make sense. She also shares a major life update about moving from New Zealand to New York, including why she’s choosing to rent, how NYC’s high cost of living could affect her financial independence, and what she’s most excited about. If you love personal finance mixed with an honest life update, consider this a cozy money Q&A with your Investie Bestie.

Watch on YouTube | Somnipods 3

More from Friends That Invest:

Stock Market Tea build financial confidence in under 5 minutes a week. Join 140,000+ investors in training

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This week, Sim breaks down financial minimalism and how owning less can help you save more money, reduce stress and build wealth faster. She explores the psychology behind lifestyle creep, why experiences can bring more happiness than material things, and how spending less can leave more money to invest. Plus, Sim shares her approach to modern minimalism, where you can still splurge on the things you genuinely value without getting caught up in status or overconsumption.

Watch on YouTube | Somnipods 3

More from Friends That Invest:

Stock Market Tea build financial confidence in under 5 minutes a week. Join 140,000+ investors in training

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This week, Sim breaks down 11 expensive splurges she doesn’t think are worth the money, from the Dyson Airwrap and Apple Watch to luxury jewellery, designer bags and brand-new cars. She shares which purchases she regrets, where she thinks you can spend less without sacrificing much, and why a high price tag doesn’t always mean better value. If you’re trying to save money, avoid lifestyle creep and make smarter spending decisions, this episode could save you thousands.

Watch on YouTube | Somnipods 3

More from Friends That Invest:

Stock Market Tea build financial confidence in under 5 minutes a week. Join 140,000+ investors in training

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Hosted on Acast. See https://acast.com/privacy for more information.

This week, Sim shares what happened when she broke one of investing’s biggest rules and tried to time the market by selling her NVIDIA shares. She breaks down why predicting market bubbles is almost impossible, the hidden costs of buying and selling, and why time in the market can matter more than getting the timing perfect. It’s a real-life investing lesson on overconfidence, market timing, and why a long-term strategy built around broad market index funds can be much simpler.

Watch on YouTube | Somnipods 3

More from Friends That Invest:

Stock Market Tea build financial confidence in under 5 minutes a week. Join 140,000+ investors in training

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This week, Sim breaks down why she’s not selling her S&P 500 investments or pulling her money out of the US stock market, despite growing fears about America’s future. She explores four key reasons she remains confident in US investing long term, including innovation, access to capital, market liquidity, and the global revenue generated by S&P 500 companies. Plus, Sim explains where emerging markets can fit into a diversified investment portfolio without making drastic decisions based on short-term fear.

Watch on YouTube | Somnipods 3

More from Friends That Invest:

Stock Market Tea build financial confidence in under 5 minutes a week. Join 140,000+ investors in training

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This week, Sim breaks down the hidden ways people pleasing could be costing you thousands, from accepting extra work without recognition to underselling yourself, overspending, and struggling to set financial boundaries. She shares practical strategies to negotiate your salary with confidence, stop money leaks, and build healthier habits at work and at home. If you want to earn more, spend less, and stop letting guilt get in the way of your financial goals, this episode is for you.

Watch on YouTube | Somnipods 3

More from Friends That Invest:

Stock Market Tea build financial confidence in under 5 minutes a week. Join 140,000+ investors in training

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This week, Sim reflects on what happened after reaching financial independence and why retiring early wasn't what she expected. She shares the reality of hitting her FIRE number, why she chose to keep building Friends That Invest, and the surprising lessons she learned about purpose, productivity, and finding a career you don't want to retire from. If you're working towards financial freedom, this episode will help you rethink what wealth really means once you've reached your goal.

Watch on YouTube | Somnipods 3

More from Friends That Invest:

Stock Market Tea build financial confidence in under 5 minutes a week. Join 140,000+ investors in training

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Hosted on Acast. See https://acast.com/privacy for more information.

This week, Sim explores one of the biggest personal finance questions of all: should you spend money enjoying your life today, or save everything for the future? She shares how to find the balance between building wealth and creating meaningful experiences, why being too frugal can sometimes hold you back, and practical ways to spend with intention instead of guilt. If you've ever wondered whether you're saving too much or not enough, this episode will help you rethink your relationship with money.

Watch on YouTube | Somnipods 3

More from Friends That Invest:

Stock Market Tea build financial confidence in under 5 minutes a week. Join 140,000+ investors in training

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Hosted on Acast. See https://acast.com/privacy for more information.

This week, Sim breaks down the best and worst performing asset classes of the past decade to reveal what history can actually teach us about investing. She explains why chasing last year's winners rarely works, what the data says about US stocks, bonds, gold, REITs, commodities and emerging markets, and how to build a more resilient long-term portfolio. If you want to become a smarter investor without trying to predict the market, this episode is packed with practical, evidence-based insights.

Watch on YouTube | Somnipods 3

More from Friends That Invest:

Stock Market Tea build financial confidence in under 5 minutes a week. Join 140,000+ investors in training

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This week, Sim breaks down six of the most common money tips that sound smart but could actually cost you thousands over the long term. From trying to time the stock market and day trading to using debt to invest, relying on Bitcoin as an inflation hedge, and believing property prices always rise, she explains what the research really says. If you want to build wealth with fewer mistakes and more confidence, this episode will help you separate financial facts from popular myths.

Watch on YouTube | Somnipods 3

More from Friends That Invest:

Stock Market Tea build financial confidence in under 5 minutes a week. Join 140,000+ investors in training

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Hosted on Acast. See https://acast.com/privacy for more information.

This week, Sim shares the 15 purchases that have genuinely made her more productive, happier, and more intentional with her money. From a Kindle and a quality mattress to meal prep, travel upgrades, and the surprising $99 gadget that helped her reclaim over 1,000 hours from social media, she breaks down which splurges are actually worth the investment. If you're trying to spend smarter instead of simply spending less, this episode will help you decide where paying more can genuinely improve your life.

Watch on YouTube | Somnipods 3

More from Friends That Invest:

Stock Market Tea build financial confidence in under 5 minutes a week. Join 140,000+ investors in training

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Hosted on Acast. See https://acast.com/privacy for more information.

This week, Sim walks through every stage of the investing journey, from your first $1,000 invested to building a $1 million portfolio, and reveals the biggest financial traps to avoid along the way. She shares the mistakes she made with brokers, meme stocks, IPO investing, portfolio diversification, and tax planning, plus the habits that helped her grow long-term wealth. Whether you're just starting to invest or working towards financial independence, this episode will help you make smarter decisions at every portfolio milestone.

Watch on YouTube | Somnipods 3

More from Friends That Invest:

Stock Market Tea build financial confidence in under 5 minutes a week. Join 140,000+ investors in training

Instagram | TikTok | X| Facebook

Hosted on Acast. See https://acast.com/privacy for more information.