What to Do If You’re 35+ and Feel Financially Behind with Jean Chatzky

If you’re over 35 and constantly feeling like you’re behind financially, you’re not alone. In today’s episode, I’m joined by Jean Chatzky (aka ‪@HerMoney‬ )–– financial journalist, bestselling author, and founder of HerMoney––whose work has shaped generations of women’s financial literacy, including my own. Jean opens up about starting over at 40 after divorce, job loss, and losing a parent. She shares exactly what she learned about saving, investing, and rebuilding confidence when time feels limited. We talk about why so many women feel behind no matter their age, the biggest money mistakes women 35+ make, how to course-correct without panic, and how to use tools like retirement accounts, HSAs, and investing strategies to build a future that still works, even if you didn’t start early. Jean’s links: Website: https://hermoney.com/HerMoney podcast: https://podcasts.apple.com/us/podcast... She Does It podcast: https://podcasts.apple.com/us/podcast... In this episode: 00:00 Intro: Never too late to save 00:42 What "owning your money" means 02:00 Jean's story: Starting over at 40 03:49 What to prepare for & do differently 06:36 Biggest mistake: Too much cash, not enough invested 10:56 Why Gen X women feel behind 16:32 Financial boundaries with aging parents & adult children 21:06 HSAs as investing vehicles 27:15 Why "feeling behind" is universal 34:20 Quick-fire Q&A 42:29 Advice for women feeling paralyzed 45:51 Where to find Jean 🤔 Not sure where to start? Take our FREE money personality quiz: https://www.herfirst100k.com/ffpod 🔨My favorite money tools: https://www.herfirst100k.com/ffpod 🍏Listen on Apple Podcasts: https://podcasts.apple.com/us/podcast... 🎧Listen on Spotify: https://open.spotify.com/show/0b5qzMi... 📲Follow us on Instagram:   / herfirst100k   📺Follow us on TikTok: https://www.tiktok.com/@herfirst100k?...