How to Own Your Financial Worth with Marielle Schurig

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Worthy Staff

By Worthy Staff | Apr 30th, 2019

“Throughout my marriage, I took a back seat when it came to finances. I had chosen to enter a career that did not offer a high earning potential and when I became pregnant, I decided I would stay home with my son. My ex was in finance. Well, more than that, he was a financial wizard. So somewhere along the way I made the decision to hand over all financial related issues and decisions to him. I turned a blind eye and just trusted that part of my life to be taken care of for me.”

This is a quote taken from Jennifer’s article on our blog, What I Learned The Hard Way: 5 Financial Don’ts After A Divorce. Unfortunately, this represents the situation many women find themselves in after divorce – in the dark about their finances. Worthy is on a mission to inspire women to own their worth in all areas of their life, and today’s episode is all about how you can own your “financial” worth and stop taking a back seat in such an important area of your life.

Our guest today, Marielle Schurig, is a wealth manager and financial planner at UBS who is passionate and dedicated to teaching women how to take control of their wealth. She believes that money is a tool that can be used to create the life you choose, providing you with independence and freedom to carve a path inclusive of the things you care most about. Marielle is a wealth of knowledge and heart and I am thrilled to have her here with us today.

On this week’s episode:

About Marielle Schurig

Marielle is a CDFA and a CFP, works with all sorts of people, especially with women in a transition (early death or divorce). For many, this is the first time they need to understand their family finances. Women need to know where they stand and be involved in future financial planning.

Episode Transcript

Jennifer: Throughout my marriage, I took a backseat when it came to finances. I had chosen to enter a career that did not offer a high earning potential, and when I became pregnant, I decided I’d stay home with my son. My ex was in finance. Well, more than that, he was a financial wizard, so somewhere along the way I made the decision to hand over all financial related issues and decisions to him. I turned a blind eye, and I just trusted that, that part of my life would be taken care of for me.

This is a quote taken from an article that I wrote for Worthy, about the financial mistakes I made in my own life, and these words, unfortunately, represent the situation many women find themselves in today. Worthy is on a mission to inspire women to own their worth in all areas of their life. And today’s episode is all about how you can own your financial worth, and stop taking a back seat in such an important area of your life.

Our guest today, Marielle Schurig, is a wealth manager and financial planner at UBS, who is passionate and dedicated to teaching women how to take control of their wealth. She believes that money is a tool that can be used to create the life you choose, providing you independence and freedom to carve a path inclusive of all the things you most care about.

Marielle is a wealth of knowledge and heart, and I am thrilled to have her here with us today. We’re going to take a quick break, and we will be back with Marielle Schurig.

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Marielle Schurig is a wealth manager and financial planner at UBS Financial Services in New York City, and speaks regularly on topics covering personal finance, and financial wellness for women. She has been featured in Bloomberg, USA Today, On Wall Street, and Financial Planning magazine, and has been a guest panelist on Jim Kramer’s, The Street, discussing how to build wealth through strong financial habits. Marielle believes that money is at the core of so many important decisions that we make, and so I’m really happy to be able to share her, and her wisdom, and information here with you today.

Thank you for being on the podcast Marielle, it’s so great to have you here.

Marielle: Thank you, Jennifer, it’s great to be with you today.

Jennifer: You and I have known each other for a while now, and we’ve had a lot of discussions around finances, and especially post divorce finances with women, and I’m always inspired by. And it’s really just how deeply you care. And so, talk to us a little bit about the work you, and more specifically, your passion behind working with women.

Marielle: Yeah, sure, of course. So, as you mentioned before, I’m wealth manager at UBS Financial Services. I’m a certified financial planner, and a certified divorce financial analyst. So essentially, I educate people on their finances, and help them make good financial decisions that will not only benefit them today, but will equip them for the future that they want. My team works with families, business owners, corporate executives, and I also do a lot of work with women who are in a transition. Meaning that, they lost a spouse prematurely, or that they’re going through a divorce situation. And in doing that work with women who are in this type of a transition, in many of the cases, this is sometimes their first time that they are faced with having to really understand their family finances.

And in doing that work, I really, truly saw how imperative it is for women not only to know where they stand financially, but to be an active participant in their families long term financial planning. And in doing a lot of that work with women through this process, it’s made me extremely passionate about inspiring and encouraging other women to have a seat at the financial table, and to own your worth. And that’s what I’m going to be talking about today.

Jennifer: I love it. And let’s just jump right in, because I think the most important question, and really that’s going to sort of frame this whole thing for us is, why is it so important, especially for women, to own their financial worth?

Marielle: Yeah. So, when it comes to our finances, women just have more complexities than men do. As you may have known, we just celebrated equal payday last week here in the US, which was on April 2nd. And that date represents how much longer the average working American woman needs to work, in order to catch up to what the average American man made the year prior.

Jennifer: Wow.

Marielle: On average, an additional three months into the next year than men do, just to make as much. So, we know that wage inequality and the wage gap exists. We get paid less than men do, but women’s pay is also effected by career breaks. We take more time off work for family related matters such as raising children, or helping with aging parents or relatives. And that means, that we have less opportunities to get a promotion if we’re not at work, and we also have fewer years in the workforce to be making money and saving money, and putting that money away. In fact, women retire with just two thirds the amount of money that men have.

Jennifer: Wow.

Marielle: And we live five years longer than mend do. So because we live longer than men, we need our money to stretch over a longer period of time, yet we have less of it when we retire. So we also as women, tend to keep more of our money in cash, and we invest less than men do. Meaning, that the money that we do have, isn’t working for us as effectively as it could be, even though we need more of it, and even though women are proven to be better investors than men are. Another thing is, especially when we’re talking about divorce or widowhood, many women in long term relationships or marriages, also have the tendency to leave the long term financial planning to their partner.

So a lot of women, we tend to do the day to day bill paying, we make the purchasing decisions for the household, but when it comes to long term financial planning, we leave that to our spouse. Yet, eight out of ten women will be solely responsible for their financial wellbeing at some point later on in their life due to divorce, or loss of a spouse, or just choosing to be independent their entire lives.

Jennifer: Right.

Marielle: So for 80% of us, it’s an inevitable reality, that we will be solely in charge of our financial livelihood at some point later on. And at our firm at UBS, we saw this number, and we decided to go out and interview a number of widows and divorcees. We interviewed 1700 women who are widows and divorcees, and 98% of those women that they urge other women to become more involved in their finances early on. So we just can’t take a back seat, and this stuff is easy to learn. Anybody can do it. You just need to want to do it, and all you really need is the will to want to learn.

Jennifer: Yeah. And I can absolutely relate to this. This is exactly what I did in my marriage. I had a husband who was a financial genius, and so I just said, “You know, this is great. My whole financial part of my life is taken care of for me. I don’t have to worry about this, he’ll take care of it, and I can sort of close my eyes.” And I ended up getting divorced, and needing to take control of my own finances, and I had no idea what I was doing. And I made so many mistakes. I trusted the wrong people, I wasn’t educated, I got scared and made emotional decisions. And so, I just wasn’t prepared at all.

Marielle: Yeah. I mean, really, the last thing that you want to be doing when you’re going through a crisis, or an emotional situation like a divorce, is learning your finances for the very first time, because that’s when the stuff becomes difficult.

Jennifer: Right.

Marielle: You can learn this stuff when you are not dealing with all of the other things that life is throwing at you, and we’re all busy right? We’re all busy, and it’s completely understandable in a marriage where you divide and conquer. You do this, I do that, but that should be, “You drop off the kids, I’ll take out the trash,” kind of divide and conquer. Your finances are one of the things in your lives that you both should work on together, and have those conversations together. That’s not something that you should use the divide and conquer method, so you’re both on the same page.

And I find it’s very interesting when I have couples come into my office and talk about their finances together, it’s a really great exercise to do that together. You talk about your hopes, and your dreams, and what you see unfolding for your lives. It’s not always on the defense. It’s not, my spouse may divorce me, or my spouse may pass away, it’s also, “Let’s have this conversation together to really be on the same page here.” But God forbid if something happens, you’re aware and you know where you stand, and where your family stands financially.

Jennifer: Yeah, that’s such great advice. Just being intentional in this area of your life. So what’s the first step to owning your financial worth?

Marielle: Yes, and this may seem a little unconventional, but, in my experience, I found that it’s so important for you first and foremost, to understand your own personal money story. So your money story, is the unconscious beliefs that you have about money. How you should earn it, how you should save or spend it, what it means to want it, what it means to have a lot or a little of it, and what it means to truly understand it. And people have different relationships when it comes to money. And the way that you think and you feel about money, always influences the practical action steps that you take with your finances.

And often for many of us, especially for women, our money stories are negative. For example, I can’t handle money, or I don’t deserve to have a lot of it, or it’s stressful and I want to avoid it. And these unhealthy money stories that we have, can operate in the background of our minds, and they can be excuses for not taking our financial health seriously.

Jennifer: Absolutely.

Marielle: And you can read every personal financial book out there, and learn every budgeting trick, and cut up all your credit cards, and decide you’re really going to commit this time, but if you’ve never examined why you treat money the way you treat it, you’ll always end up back where you started. So, first and foremost I say, look inward and examine yourself. Are you an over spender? Are you a money avoider? Do you defer decisions to someone else? Do you feel anxious over the responsibility of managing money? And think why you have these feelings, and why you feel this way.

In many cases, it’s not fault of our own, and often it’s the result of the environment that we were brought up in, and what we saw growing up sometimes in our households, or the culture that we were brought up in, or you just don’t talk about these things. And were we brought up in an environment where money was stressful. Or, where our fathers did it, and our mothers took a back seat. It really depends on the environment that we grew up in. But, in order to move past our current money script, we need to really consider why we’re there in the first place, and examine how these beliefs are now playing out in our lives. Is it helping us, is it hurting us, what are the thoughts that are holding us back, and what’s really getting in the way of us learning our financial worth?

So, just like an emotional or physical wound that needs to be healed, financial wounds and negative patterns require a degree of healing as well.

Jennifer: Yeah. And I can attest to this too. I mean, I struggled, like I said, because I really had taken a back seat. And when I really sat down to look at what I believed about money itself, about my ability, about my worth, am I deserving of it, the sort of messages when I was a child, when I really sat and looked at that and did work around it, I was shocked at the voice and the narrative going on in the background of my head. So it shifted everything for me.

Marielle: Yeah. And I think until we truly examine that, we’re going to continue on with the negative patterns going on in our lives.

Jennifer: Yeah, I agree. It’s all about shifting out of those negative patterns, financially, emotionally, wherever you are. So that’s great. Okay, so once you examine your money story, then what?

Marielle: So, I’m a big believer in being intentional and putting carrots out there for myself. So if you want to have success with your finances, and move towards owning your worth, I think that the next step really, is to create a money intention and to set goals for yourself. So, think about a money intention that you want to bring into your life, and think about what types of money patterns that you want to shift, and why you think it’s important for you to do so.

So, a really great exercise, is for you to think about what you want for your future. What does your perfect future look like? And don’t sell yourself short, or settle for less than you deserve. Just really picture what your perfect future looks like, and then think about how money may play a role in that. And then make a list of why having control over your finances could be good for you, and also good for the people that you love. At the end of the day, if we take good care of ourselves, we are better equipped to take care of the people that we love. And also, because people who feel like they’re in control over their money, instead of feeling like their money has control over them, live much happier lives. It’s a much more stress free life, and they have less constraints on their choices.

So, I say, once you’ve set a money intention and money goals, that could really provide incredible motivation. At the end of the day it’s really, you need to be motivated to do these things. And setting those goals will create great motivation and direction for you to do the things that you need to do in your everyday life, to take control over your finances, and it will encourage you to take better steps better in line with your goals. And then you don’t give yourself permission to do the things that you know is going to screw you up.

So I always say, write down your goals, have them written on paper, and stay dedicated to them, is another step. And also being clear on what you have. Taking a look, it’s so important. You don’t need to know all of the terminology that goes on with finances, but at least knowing what you have in the bank, what’s coming into the house, what’s going out, is just a really good place to start just to know where you stand, so you know what next steps you need to take in order to get to where you want to be in your life.

Jennifer: So, what are some examples of goals? Is it having a certain number in your head of what you want to make, or how much you want saved, what does that look like?

Marielle: Really anything. If you examine your money personality, and you realize that you’re an over spender, a goal for you could be sticking to, and we’ll talk about this later on also, a budget. Sticking to a plan about how much you’re going to be spending, and then how much you want to save. For a lot of people if you’re working, or if you have your own business… If you have your own business you have more control over a little bit about how much you make. You can make income goals for yourself. If you’re working and you have a salary, you can have savings goals for yourself, also salary goals and getting the confidence to go in there and ask for the raise that you deserve. And also savings goals, is really at the end of the day, what this is about.

But, it could also just be simple goals like, “I want to understand my finances better, I’m going to read a financial blog once a week. Or, I’m going to educate myself more. I’m going to start paying more attention to my retirement money, and making sure that those investments are doing what they’re supposed to be doing.” It could be really simple, or it could be really definite down to the number.

I always find when I write goals down and I put numbers down that I want to achieve, every year when I look back at those numbers, I’m so close to whatever those numbers are. Either I’m ahead or a little bit behind. But it’s really, really helpful to be specific with some of these goals, because then you can work backwards and figure out what you need to do every day to get there.

Jennifer: So then I’m guessing that, that’s where you go next after setting your intention as that organization piece?

Marielle: Yes. Get organized, write down your goals, and just know what you have. Know what everything is, and know what you have, and also stay organized, because… Have everything in one place, because if something happens to you, and for a lot of people I always say, create a folder with your insurance information, your wills, all of your statements in one place, numbers to call, who to reach out to, because if something happens to you or if something happens to your spouse, just so you know who to reach out to and where everything is, and what you have.

Jennifer: Yeah. My father passed four years ago, and he did that for us. And it made a really difficult time a lot easier for us, because we could focus on grieving instead of focusing on finding everything and figuring it out. So it really is a gift you can give to the people that you leave here.

Marielle: Yeah, and that’s what you want. You want the people who love you to focus on grieving, and focus on family rather than having to figure out a mess that you may have left behind. When you’re going through an emotional time, that’s when these things get very difficult, and then you make emotional decisions rather than decisions based off of facts, and figures, and knowledge.

Jennifer: Yeah, very powerful. Okay, so we’re going to take a quick break here, and when we come back, I want to jump into talking about creating a budget. How we do that, and why we need to. So we will be right back with Marielle Schurig.

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We’re back with Marielle Schurig, talking about how you can own your financial worth. And we have been talking about goal setting, and intention setting, and organization, and really just taking those steps to own your worth. And now we’re going to jump into talking about the best ways to create a budget, and why we need to do so, because I think this sometimes can feel like a mountain for some people to climb.

Marielle: Yeah, it can, and budget is a scary word for a lot of people. When I talk about budgeting I always like to refer it more as a spending plan, because at the end of the day you are spending. I don’t want people to feel restricted, like they can’t live their lives, they have to stick to a budget. So I always say, try and stick to a spending plan. Because if there is a single fundamental rule in personal finance, it’s this, you have to spend less than the money that’s coming in, and you have to put away that difference for the future. So it’s so important to create a spending plan for yourself, because I want you to think of a spending plan as just spending smarter.

In many cases, we spend money without even thinking about it. We’re in such a swipeable and clickable culture. We go on Amazon, we click a button, we swipe our credit cards, and we just spend without even knowing how, what, when, where, and it’s a shame. When we live for today, and we don’t plan for tomorrow, we’re letting our money control us, instead of the other way around, and we’re not getting the most of our money. And this can really happen when we live without a monthly spending plan, and just spend our money haphazardly. And the reason why we want to create a spending plan, is so we can save. Whether you are working and you’re making money, or if you are in a divorce situation and you split your family finances, and you’re living off a settlement, and / or spousal support for a certain period of time, you still need to make sure that your money lasts you for as long as you are alive.

And so, creating a spending plan to ensure that you are also saving money during that process that you have money later on, is so important. And saving is not something that you’re either good or you’re bad at, it’s really not something that comes naturally to most people. Even though it may look like it from the outside, it’s not always a natural thing. That’s what makes it so hard, because it’s not something that you decide just once, it’s something that you have to decide every single day in the decisions that you make, whether or not you want to save that money, or spend that money.

And for people who seem to have trouble saving, they always seem to be saving for the next thing. So, by that I mean, they want to save to go on that trip in a few months, or they want to buy an expensive whatever it may be. They hit that milestone, they buy that thing, they spend the money, and the cycle starts all over again. So people who manage to save, whether or not they plan to buy something, are usually saving for a feeling. So having money put away makes them feel more secure, more free, more at peace. Whatever that feeling is, it’s compelling and important enough for that person to develop a savings habit.

So I always think the psychology around saving should really shift from, “How can I spend my money today to make me happy now,” to, “How can I use this money to buy me financial freedom in the future?” Because, I think a lot of people misinterpret the use of money. They see it as something that can buy them a material item, or that thing, or that trip, rather than the feelings that you’re supposed to feel. And at the end of the day, money is energy. And if money is a source of anxiety or stress for you, you know something’s off. Money should be feeling secure, more peaceful, more in control, more independent. Those are the feelings that money is supposed to bring into your life. So it’s really important to then save for that feeling rather than that thing, because that’s when stress starts to creep in.

Jennifer: You know, if you think about it anyway, that thing that you want is because it’s going to bring you a feeling, right? You want the vacation so you can feel relaxed. Or, you want the new bag so you can feel like you’ve succeeded, or whatever. So at the end of the day, it’s a feeling anyway.

Marielle: Absolutely.

Jennifer: Okay. So how do we create the budget?

Marielle: So, like I said, a budget and a spending plan can be a really useful tool of keeping your spending on track. And the most valuable part of creating a spending plan, is the process of creating it, right, and building it correctly. So you build a spending plan based on looking at your actual spending over the past few months. So what’s coming in, what’s going out. How much do you actually spend a month on food, on entertainment, on clothing, on your car, on transportation? Get real numbers, not just estimates. Dig for your bank statements, set some time at side at night, pour yourself a glass of wine and go through your statements, and your credit card statements, and just figure it out. And this process will also easily show you the areas where you’re actually over spending, and where you can cut excess fat.

I always say, you really know what you value when you take a look at what you spend your money on. If you’re spending money on things that don’t make you feel good, or you’re spending it just out of convenience, that you’d rather take that Uber than walk, or if you’re spending a lot on clothes, you really can see where you’re spending and where you can cut that to create savings. And a really good strategy that we talk about in the finance world, is the 50/20/30 rule, and that’s a really great place for you to start.

So you spend 50% of your money on essentials, so how much do you spend on your “needs” each month like groceries, your housing, your utilities? That should not go over 50% of your after tax pay, or what’s coming into the households. Of course, you need to know the difference between your needs and your wants. A lot of people put their wants in this category. But basically, any payment that you can’t forego without minor inconveniences, should be in this category. And stuff that… Any payment that would severely impact the quality of your life if you missed it, should go into this category. So just your electricity, your mortgage, your rent.

30% of the money that you spend should go to your wants, your life style. So that will include eating out, shopping, your workout classes, your cosmetics. Those things that create your wants in your life, that should be 30%. And then a lot of people get nervous about this, but then 20% of your money should go to savings. That’s a really great goal. I know that, that seems like a lot for some people, but I would say start somewhere. If 20% seems like a lot, start with 4%, 5% and work your way up. Start small and have 20% be a goal, because if you’re consistently putting money away over longer periods of time, you’re going to pick your head up one day and say, “Wow, I really created a nice nest egg for myself.” But just start somewhere, and aim for 20%.

So that’s money that you put towards an emergency fund. That’s money that you put towards your retirement. That’s money that you put for future goals, like if you do want to buy a home later on, that should be for your down payment. That could also include extra money that you put away to pay off debt like credit card debt, or if you have any student loans from the past. So that all should be seen as your savings.

Jennifer: And what’s great now is, there’s all these apps, right? If you input all of this, there’s programs, there’s apps, to help you kind of wrap your head around all these numbers.

Marielle: There are so many apps out there, which is really great and makes it so convenient. Like Amend.com, you can download that and see everything on one place. There’s budgeting tools, there’s apps like Acorn, which forced savings for you. The way Acorn works, is you buy an item, and it rounds whatever that purchase is to the next dollar amount, and takes that change and puts it in an account for you where it’s invested. And it’s just forced savings. And it’s really unbelievable, if you automate, which is really important with savings, automate your savings, how that really grows over time.

Jennifer: Yeah. So let’s talk about investing, and when it’s a good time to start doing so.

Marielle: Yeah. If you have money in long term retirement accounts like 401Ks, or IRA’s and you’re not living off that money, you can start investing that money right away. The longer you have to let that money grow, the better. They say in the last days that women are risk averse, we don’t like to take risks, we keep a lot of our money in cash. I think that we’re more risk conscious and risk aware, which also makes us better investors. We don’t want to take unnecessary risk, nor should we. This is money that should be for our security, for our comfort. The goal of investing, is not to hit home runs, it’s not even to hit triples. It’s to hit singles, maybe a double sometimes. It’s to grow your money slowly over time in a really thoughtful way, and not taking too much risk.

And then I would say, once you have about six months of spending saved up in cash in non-retirement accounts, like an emergency account, and depending on your situation and comfort levels, some people like to have more cash on hand… If you’re the head of your household, if you’re the only one working in your household, if you’re a single mother, a single person, you may want to have a little more cash on hand. But once you have your emergency fund filled with cash, you can start looking to invest any other money that you’ve saved over that in non-retirement accounts.

Again, any money that you’re setting aside for your future, and not planning on spending in the next few years, should be invested. And the benefit of the stock market, if we look at how the stock market has done since 1928, over time the stock market average is about 9.5% per year. And that’s real growth. And over time that growth just compounds on top of itself. So I always say, save as early as you can, as young as you can. But if you’re not young, just start, because time is on your side.

I always like to give this example of a 25-year-old. Let’s say a 25-year-old saves just $5 a day, and if we’re looking through our spending plan, we can always find $5 a day, right? Anyone can find $5 a day. I can forego buying my really expensive mocha.

Jennifer: Right.

Marielle: So a 25-year-old, she puts away $5 a day in an account and never takes from it until she’s 65-years-old. So that’s 40 years, where she’s just putting away $5 a day. And then she invests that money, and let’s say she’s not putting it all in stocks, she’s putting it in some stocks and bonds. Let’s say she makes 7% a year on that money on average, that $5 a day of mindless… that’s not even really effecting her life all that much, at 65, turns into around $375,000.

Jennifer: Wow.

Marielle: That’s the power of investing over long periods of time. But, if she didn’t invest that money and put $5 a day, and just left it in cash, that $5 a day would only be $72,000-

Jennifer: Wow.

Marielle: … by the time she reaches 65, if she’s not making 7% on that money.

Jennifer: Right.

Marielle: So that $375,000 to $72,000, that difference can really change someone’s lifestyle later on, and it doesn’t have to be putting away that much. But putting away a little bit over time, and then investing it, is a really great way to go. And I would suggest that you either… If you haven’t started investing yet, I would consult with a financial advisor on the best way to invest, but many advisors do have minimums. And so, I like to be conscious of that, that not everyone can sit down with a good financial advisor if they don’t meet their minimums. But what’s really amazing right now with technology, is that anyone can do this.

There are all sorts of programs out there called Robo Advisors, that can help you make these decisions no matter how much money you have. You can start with $50. There are programs like [Alervest 00:35:31], which is for women, Wealth Front, Betterment, these are all programs that you can online, start investing your money, and they can help you create a portfolio based on the goals that you have in your life, based on your savings, how much money you are making, or how much money you have, and how you feel about taking risks in the market. I always think that having a one on one conversation with a person who you trust, who you think is smart and can really help you make those decisions, is the best way to go. But if you don’t meet those minimums, there are other tools out there to help you get started, that are really beneficial. So I would look into those things, and just start somewhere.

Jennifer: That’s huge, that $5 a day, and it really is a mindset shift too, because you’re creating this abundant mentality instead of this scarcity, right? It’s like this $5 a day can grow into that huge number. I mean, that’s just a daily reminder of the abundance, so I love that.

Marielle: And that’s over 40 years. And listen, that’s a long time, but if you do this consistently, I promise you, you pick your head up in just five years and you’re going to see a chunk of money there that you wouldn’t have had otherwise. And this time is going to pass by anyway.

Jennifer: Right.

Marielle: Why not, when this time is passing you by, why not just start putting this money away so you can lift your head up in five years, ten years and say, “Wow, because I created these good financial habits, and started putting money away, now I have something really meaningful to show for it.”

Jennifer: Yeah. So true, so good. I mean, this has been filled with so much information, and education. I appreciate always, how giving you are of your knowledge, and just your heart. So I always ask this question I’m going to ask you, what is possible for women when they make the decision to own their financial worth?

Marielle: Everything. Anything is possible. Money is a tool that can be used to create a life that you choose. So it is your independence, it’s how you can be free to do what you want in your life, when you want to do it. It’s your freedom to carve out your own path with less constraint on your choices, take care of your family, support the causes and the things that you care most deeply about. It changes everything. You are going to feel more in control, more confident, less anxious, happier and healthier once you start owning your financial worth. And it’s going to feel really amazing, and you just need to start. And it’s really going to change so much for you.

Jennifer: Love that. Okay, everybody, $5, go find $5 and start. Start putting it away now, and create this possibility that Marielle is speaking of.

So thank you for being with us. How can our listeners find you, and follow up with you?

Marielle: Sure. So if you have any questions, I’m more than happy to answer anything. If you Google my name, you can find me. My name is Marielle Schurig, I know that it’s probably written down on this podcast. I’m at UBS, so it’s my name dot my last name at UBS.com. And you can also find me on LinkedIn. Connect with me, message me, I’m here to answer any questions that you have.

Jennifer: Make sure you subscribe, so you can catch every new episode of Divorce and other things you can handle in your weekly feed. If you like what you hear, rate and review us to help other women like you find us.This podcast is for you, so e-mail us at podcast@worthy.com, with any questions or ideas that you may have. We look forward to hearing from you.

 
 
 
 
 
 
 
 

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