Published: July 8th, 2025
By: The Her Financial Frequency Team

In this episode, "Playing It Safe Is Risky Too," we’re diving into one of the most misunderstood concepts in investing: risk.

For many of us, the word “risk” triggers fear. We’ve been taught to protect money, not “play” with it. But what if that mindset is quietly holding us back from the financial growth and freedom we deserve?

Let’s explore how redefining risk can be the game-changer your financial journey needs.

What Is Risk Tolerance, Really?

Risk tolerance is often tossed around in finance meetings, investment apps, and online quizzes—but what does it really mean? Think of it like choosing between a beach vacation or skydiving. Both come with different comfort levels and potential outcomes. Risk tolerance is simply how much uncertainty you’re willing to accept in pursuit of your financial goals. Here’s the kicker: staying put and doing nothing? That’s risky, too. Inflation, lost opportunity, and stagnant savings can quietly drain your financial potential.

Your Mindset Around Money Matters

One of the most powerful realizations in this episode is that risk tolerance isn't just about age—it’s about education and confidence. When you begin learning about how your money can work for you—whether that’s through investing in stocks, real estate, or even high-yield savings accounts—you start to see options that were previously hidden. You don’t become fearless—you get informed. And that makes all the difference.

Facing the Fear: What If I Lose It All?

Fear is real—and normal. But not doing anything because you're afraid? That’s how you stay stuck.

Whether it's changing jobs, leaving relationships, or shifting your money mindset, fear often shows up where growth lives. When it comes to finances, that fear can manifest as self-doubt: “What if I mess this up?” or “I’m not good with money.”

But here's the truth:

Not investing is a risk. Keeping your money "safe" in a low-interest savings account is often just keeping it small.

For example, if you’ve got $10,000 sitting in a savings account earning 0.01%, you’re earning a whopping $1 a year. Meanwhile, inflation eats away at your money’s value. That’s not safety—that’s slow decline.

Shift Your Perspective: Risk = Opportunity

What if risk didn’t mean danger but instead meant opportunity? Risk isn’t about being reckless. It’s about being intentional. You don’t have to throw everything into crypto tomorrow. You could start with 5% of your savings in a money market account, short-term bond, or a beginner-friendly real estate investment. Test the waters. Learn as you go. You’re not risking everything—you’re trying something new.

Build Wealth in Community, Not Isolation

Money conversations are better when they’re shared. If you’ve felt alone in your financial fears, you’re not the only one. So many women are walking similar paths—questioning if they’re “doing it right,” wondering if they’re too late to start, and unsure who to trust.

That’s why community matters. Find financial groups, supportive friends, or educational podcasts (like this one!) that align with your values and goals. The right support can turn fear into fuel.

Small Steps You Can Take Today

Not sure where to begin? Here are some easy ways to shift from saving to investing:

> Know where your money is.
> Log into your bank accounts. See what's sitting idle.

> Pick one topic to learn each week.
> Start with terms like “compound interest” or “index funds.”

> Move a small percentage (5-10%) of your savings into an investment vehicle.
> Start with something low-risk like a CD, a money market account, or a diversified fund.

> Celebrate your wins—big or small. Opened your first investment account? That’s worth celebrating!

> Ask questions.
> Join financial communities or drop us your questions—we’re here to help.

Final Thought: Curiosity Over Fear

You don’t need to be fearless—you just need to get curious. Start with what you know, grow from there, and remember: Playing it safe might feel smart, but it could actually be costing you more than you think.

Take a baby step today. Open your app. Ask the question. Talk to a friend. Your financial future is worth it.

Want More?

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

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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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