Published: June 24th, 2025
By: The Her Financial Frequency Team

Investing 101 for Women: How to Start Aligning Your Wealth with Your Wisdom

In Episode 2, we’re diving into Investing 101, breaking down the myths, fears, and confusion around investing so you can take your first steps with intention. Whether you're starting late, starting small, or starting scared – this episode is for you.

Why Most Women Feel Intimidated by Investing

Let’s be honest: many of us were taught to save — not to invest. We were told to stash money away in savings accounts or contribute to 401(k)s and IRAs without really understanding how those funds are working for us (or if they are at all). It’s incredibly common to hear: “I have a 401(k) and a Roth IRA, but I have no idea what I’m actually invested in.” Sound familiar?

This lack of clarity isn’t because you’re not smart — it’s because investing has been intentionally gate-kept. Financial jargon, media noise, and traditional finance professionals often make it feel exclusive or “not for us.” Here’s the truth: You can learn how to invest, and you don’t have to be wealthy or work on Wall Street to do it. What is investing, really?

Investing is simply this: Putting your money to work so it can grow and generate more money over time.

As podcast host Janae put it:

“Your money should go out, find more friends, and bring them back to you.”

There are many types of investments, including:

> Stocks

> Real estate

> Mutual funds

> Index funds

> ETFs

> Angel investing

> Green energy

> Women-led startups

> Cryptocurrency

> Precious metals like gold

Each of these is a different asset class with different levels of risk and reward.

Common Fears Around Investing (And How to Overcome Them)

If you're in your 40s, 50s, or beyond, you might be thinking: “I’m afraid to lose it all. I don’t have decades to recover from a bad investment.”

This fear is valid — and incredibly common. But there’s also risk in doing nothing. The money sitting in your 0.01% interest savings account is losing value due to inflation. So, how do you move past fear? The key is education. Learning about your options, surrounding yourself with knowledgeable people, and understanding how and where your money is being used helps reduce anxiety and build confidence. Knowledge is power — and peace of mind.

Baby Steps: From Saver to Investor

Most of us were taught to save for a rainy day — but when the clouds start forming, wouldn’t it be nice to enjoy the rain instead of fearing it?

Here’s how to begin the shift from saver to investor:

1. Start Where You Are

You don’t need $50,000 in the bank to begin. In fact, if you have a 401(k) from an old job or a traditional IRA, you already have investment capital.

2. Learn About Self-Directed IRAs

Did you know you can roll over your 401(k) into a self-directed IRA and invest in things you care about — like real estate or women-owned businesses — without paying taxes on that transfer?

This gives you more control and more alignment with your values.

3. Use 30 Minutes a Week to Learn

If you only have half an hour a week, spend it intentionally:

Listen to trusted financial podcasts (like this one!)

Read about different asset classes

Explore communities or courses that break things down without the jargon

4. Ask Better Questions

Whether you're working with a financial advisor or flying solo, remember: You have a choice. It’s your money.

> Ask questions like:

> What am I invested in?

> What are the fees?

> Are there other options that align more with my values?

> What kind of returns am I getting?

Q and A:

Is Investing Only for Retirement?

Absolutely not.

One of the most common myths we debunked in this episode is that investing is only for retirement. While 401(k)s and IRAs are important, you can also invest for cash flow today.

What is "Mailbox Money"?

Mailbox money is the term for passive income — money that comes in without you trading time for it.

Imagine opening your mailbox (or inbox) and finding a check or deposit from your investment. That’s income you didn’t actively work for that month — and it’s one of the best parts of strategic investing.

Can You Align Your Investments With Your Values?

Yes. One of the most empowering things you can do is invest in:

> Women-led companies

> Green energy

> Socially responsible funds

> Causes and missions you believe in

You do not have to sacrifice returns to align your wealth with your values. In fact, when you invest in what feels right, it often increases your motivation to stay involved and informed.

Final Thoughts: You Have More Than You Think

If you’ve ever thought:

“I don’t have enough to invest outside of my 401(k)…”

Think again.

You may already have tens of thousands of dollars sitting in traditional accounts that can be rolled over into vehicles that align better with your financial goals and values — with no immediate tax consequences.

You don’t need to be an expert. You don’t need to be perfect. You just need to be willing to learn and open to new possibilities.

Ready to Raise Your Frequency?

At Her Financial Frequency, we’re here to support women who are ready to step into financial empowerment. Listen to the full episode of Investing 101 on YouTube to hear more real talk, relatable questions, and actionable steps.

Want More?

Subscribe to the podcast so you never miss an episode.

Drop your investing questions in the comments — we’ll cover them in future episodes.

Share this blog with a friend who’s ready to start investing.

Remember: Wealth isn’t just about numbers — it’s about energy, alignment, and intention.

Her Financial Frequency: Helping women stop playing small and start building legacy wealth with purpose.

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