
Episode #91
How to Start Investing After 40 (When You've Only Ever Saved)
If you're great at saving money but nervous about investing it, this episode is for you. How much should you actually keep in savings? Should you pay off debt or invest? And how do you find a financial advisor who's on your side? Financial advisor and wealth manager Lisa Clements spent twenty-four years in corporate at companies like Meta and Accenture before starting Clear Springs Wealth, where she works mostly with women. She sees the same thing over and over: disciplined women with tens of thousands of dollars sitting in savings, earning very little, because investing feels too big and too risky to touch without a finance degree. (You don't need one. Lisa's clear about that.) We get into the simple way Lisa decides how much to keep in savings, why your home equity counts as part of your portfolio, the interest-rate rule she uses for debt, and exactly what to ask before you hire an advisor. Plus the first thing to do this week if you've been avoiding your finances altogether. What we get into: - How much to keep in savings if you're single vs. partnered - Why "near-term" money (a house, a big trip) stays out of the market - How advisors use risk scores, and splitting your money into different risk buckets - Pay off debt or invest? How the interest rate decides it - Where to learn investing basics without feeling lost (Investopedia, brokerage education centers, free consults) - What "fiduciary" and "assets under management" mean, and the fee structures to understand - Why you should ask any advisor about their "why" - The first step: taking inventory of every account you have About Lisa Clements: Lisa Clements is a financial advisor and wealth manager who helps women build financial confidence without the jargon, judgment, or sky-high fees of traditional firms. clearspringswealth.com | @clearspringswealth This episode is for educational purposes only and isn't personalized financial advice. I want to hear from you. Send me a text or voicemail! Jessica's freebies and resources: Sleep better tonight with my free 10-minute audio breathwork session . (https://your.belongwellness.com/sleep) ⚡️ Join the Keep Your Cool Collective, my 6-week group breathwork experience for women over 40 who are ready to feel f*cking GREAT. This program launches October 5th. (https://your.belongwellness.com/hnly-beta-sales-page) ✨For more midlife advice on perimenopause, hormone health, nervous system regulation, and living with purpose in your 40s and 50s follow me: @midlifeadvicepodcast | @heyjessicalong

