Women, want to learn how to confidently take control of your money? First, we’ve got a lot of things working against us. We start and stop our careers many times for kids and family members, and we live longer than men on average because of that, we typically spend our money taking care of our male partner and tend to avoid talking about money. It makes sense why, as our guest Jenifer Sapel, a financial advisor and owner of Utor Wealth, said at the beginning of this episode - we’re often talked to like infants. But Jen cautions us that context is important. You see, the financial services industry was designed by and for cis white men. So, as women, we’ve got to start talking about money, educating ourselves about money, and aligning our money with our values. Jen brings it all in this conversation, where she shares the 3 phases of your financial life that you need to know about, why we need to break the model of ranking things from best to worst when it comes to money, and why you need to know that wherever you’re starting from is perfectly ok - learning about money is a lifetime practice. And you don’t want to miss our conversation about fun financial facts about women - like that banks could legally require a man’s signature for a woman to apply for a loan all the way until 1988. That’s not that long ago. The opinions voiced in this podcast are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which strategies or investments may be suitable for you, consult the appropriate qualified professional prior to making a decision. Investment Advice offered through WCG Wealth Advisors, LLC, a Registered Investment Advisor. Utor Wealth is a separate entity from The Wealth Consulting Group and WCG Wealth Advisors, LLC.  Links Utor Wealth Guide to Finding the Right Financial Advisor Jen on Instagram Timestamps [00:01:56] Empowering women to take control of their money [00:04:44] The predominant narrative in our society about women and money. [00:08:10] Shifting the context of finance. [00:14:13] Exchanging value for financial compensation. [00:16:00] Women-owned banks and financial equality. [00:20:09] The system's bias by design about women and money. [00:24:12] Money as a precious resource. [00:29:31] Financial flexibility and decision-making. [00:33:20] DIY vs Hiring Professionals. [00:36:33] Money and family dynamics. [00:40:36] Women aare better investors. SPONSORS Thanks to Factor for sponsoring the show. Head to www.factormeals.com/etm50 and use code ETM50 to get 50% off. Thanks to NetSuite for sponsoring the show. Download NetSuite’s popular KPI Checklist for free at www.netsuite.com/etm.  Thanks to ButcherBox for sponsoring the show. Sign up today at www.butcherbox.com/etm and use code ETM to get $20 off your first order. Thanks to AirDoctor for sponsoring the show. Head to www.airdoctorpro.com and use promo code ETM and depending on the model, you’ll receive UP TO 39% off or UP TO $300 off. How To Connect with Shannah: Join the Everyone’s Talkin’ Money Newsletter, where you get insider tips, exclusive content, and takeaways from each episode https://tinyurl.com/etmnewsletter  Ask Shannah a question on Instagram https://www.instagram.com/shannahgame/ or TikTok https://www.tiktok.com/@shannahgame  Submit a money question for Shannah to answer in an upcoming episode https://tinyurl.com/askshannahq  Leave a 5-star Review here https://ratethispodcast.com/etm  Be a Featured Guest on an episode https://everyonestalkinmoney.com/contact/ Learn more about your ad choices. Visit megaphone.fm/adchoices