SHE.COLLECTIVE MAGAZINE

CHEERS TO FRIENDSHIPS AND FINANCIAL LITERACY—

We’re really glad you’re here!

This one’s for the

GIRLS

SHE

er p t ow el p or m H pp u E S ...IT’S WHAT WE DO!

HERE AT SHE.COLLECTIVE, WE HAVE THE ABSOLUTE HONOR OF GETTING TO SUPPORT, HELP, AND EMPOWER WOMEN IN TWO WAYS: We get to support, help, and empower women by giving them an opportunity to make money and work in a positive environment that caters to their schedules and individual needs. We work in an industry with uncapped earning potential, and endless possibilities.

We support, help, and empower women by teaching them financial literacy and giving them the powerful tool of financial knowledge that they can use for the rest of their lives and to take control of their own finances.

Table of

Contents

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GIRLS JUST WANT TO HAVE FUNDS

FRIENDS WHO FINANCE TOGETHER

MEET HEATHER: SHE REALLY DOES IT ALL

FIN-FABULOUS

JACKIE BUILDS GENERATIONAL WEALTH

MONEY MINDSET WORKSHEET SCARCITY V. ABUNDANCE

THE TRUTH ABOUT TRS

TEXAS INSURANCE MOM, JESS DUFFIN

CREATE GOOD DAYS GRATITUDE WORKSHEET

MEET LYNDSAY. BE LIKE LYNDSAY.

PIVOT AND PROSPER

VANESSA FILLINGIM, REALTOR

MILLION DOLLAR BABY

GET TO KNOW THE GIRLS

WHAT TO DO WHEN: YOUR WINNING AT GUIDE TO BIG CHANGES THE GAME OF MONEY

YOU CAN SIT WITH US

DR. LAUREN ASHLEY WILLIAMS, PHD

DOWNSIDE PROTECTION

SHE.COLLECTIVE OFFICE VIBES

Hey Girl, Your old 401k is aging about just as well as the old Starbucks coffee you left sitting in your car cup holder—Or is that just me?!

DID YOU KNOW YOU ARE SUPPOSED TO ROLL OVER YOUR OLD 401K?!

If you have not taken advantage of one of these strategies, it’s time.

How’s it going?

ALL DONE! WORKING ON IT!

VOLUME 1 I 2024 KATELYN LAKEY Publisher & Editor in Chief Style Director GISELLE SMITH Creative Director KRISTINA ABDELAZIZ Graphic Designer CONTRIBUTORS Alyssa Carman

A. CARMAN PHOTOGRAPHY

Kelley Laws

KELLEY LAWS PHOTOGRAPHY

Lauren Williams Hollie Lessig

HOLLIE GABRIELLE PHOTO

INQUIRIES SHECollectiveSocial@gmail.com

© SHE.COLLECTIVE MAGAZINE

Dedicated to Allison A.

Dream Chasers Legacy Changers

For Women By Women

Wealth Builders Where Women Come to Win Financial Literacy

Letter from the

Publisher Welcome to SHE.Collective. A place for women. For the past ten years, my husband and I have been able to serve families in the financial space, and it has been an absolute blessing and honor.

But if I’m being honest with you (and myself), over those ten years, I struggled to find my place in the business. I wasn’t sure, besides being a supportive spouse, what my role was supposed to be or where I fit in. I knew I wanted to be a part of the vast mission, but I didn’t know what that looked like. So, I created my own lane.

Built my own table to sit at, and I am inviting you, my friend to sit with me. SHE.Collective is so much more than a magazine. It’s so much more than a financial literacy resource. Here, we are friends, cheerleaders, supporters, and built-in business besties.

Now that we are friends, I feel like it’s my responsibility to break the news to you that Americans are financially illiterate, especially women. I know, I know. Not cool. But the truth is that it’s not our fault. We were not taught what we needed to know in schools, and the lack of financial literacy in families is like a generational curse.

But that ends here. That ends now, and that ends with you.

As you flip through the pages of our first issue, I hope they leave you inspired, educated, and empowered. Inspired to take control of your own financial future, educated on financial concepts you need to know, and empowered to take your future into your own hands and change the legacy of your family and for your family.

The information in this magazine has changed my life and has changed the lives of the thousands of people we have been able to serve over the last ten years in business. SHE.Collective was created to make a space for women in financial services, take some of the stuffiness and intimidation out of the topic of money, and make finances fun and really, really cute! I am so honored you are here and we get to be a part of your story.

We are Legacy Changers, Wealth Builders, and Dream Chasers.

This is where women come to win

xoxoKatelyn

MOVE OVER GIRL MATH, THIS TIME WE ARE USING REAL MATH. THE RULE OF 72 IS ONE OF THE MOST PROFOUND FINANCIAL CONCEPTS TO DATE. DON’T MISS OUT ON GROWTH BY WAITING TO INVEST.

You’ll thank us later.

1%

72 YEARS TO DOUBLE

3%

24 YEARS TO DOUBLE

6%

12 YEARS TO DOUBLE

9%

8 YEARS TO DOUBLE

12%

6 YEARS TO DOUBLE

72-•• THE HIGHER THE INTEREST RATE, THE FEWER THE YEARS IT TAKES MONEY TO DOUBLE.

72

The of Rule

Don’t Gamble With Your Financial Future DID YOU KNOW:

80% OF WOMEN WILL BE FINANCIALLY RESPONSIBLE FOR THEIR HOUSEHOLDS AT SOME POINT IN THEIR LIFETIME

Ladies, you are fearfully and wonderfully made.

Use this page to write down the things you love about yourself, as a gentle reminder to yourself just how incredible you really are.

SHE.COLLECTIVE I PAGE 13

GirlsJust Want to Have

FUNDS

PAGE 14 I SHE.COLLECTIVE

40% of Americans do not have enough savings to cover a $400 emergency. That statistic is scary!

Have you been to the grocery store lately?! Four hundred dollars barely covers a whole basket of groceries for a family of four these days. Life happens, and while we can’t control what life throws our way, we can control the amount we put away to save.

How much money should you have in an emergency fund?

EXPERTS RECOMMEND HAVING 3-6 MONTHS’ WORTH OF FUNDS TO COVER LIVING EXPENSES. We know, we know… that is a lot of money and can seem very daunting. Let’s start small. Our goal for you is to start by saving $1,000 and then build your emergency savings from there.

Financial Insider Tips:

Have your savings withdrawn automatically every month from your account to hold yourself accountable. You won’t even miss that money.

Just trust us on this one.

Girl math will not be your friend when it comes to saving, so let’s put that aside until our goals are met. Don’t worry; it’s not going anywhere, and it’ll be waiting for you once you meet your financial goals and you can justify your $7 coffee and your $45 water cups once again.

HERE ARE SOME IDEAS TO SAVE MONEY. LITTLE CHANGES ADD UP TO SIGNIFICANT RESULTS. • • • • • • • •

Use refillable water bottles Make your own coffee at home Pack your lunch for work Buy generic brands Shop sales Cancel Unused subscriptions Get creative with gifts At-home date nights

GirlsJust Want to Have

FUNDS

Here at SHE.Collective We Have

Fun & Funds

A goal without a plan is just a wish. While we love a good wish, we love an executed plan even more. We put together a savings tracker to help keep you accountable in true financial bestie form.

USE THESE CUTE LITTLE BANKS TO TRACK YOUR SAVINGS PROGRESS BY PUTTING THE AMOUNT SAVED IN THE BANK WITH EACH DATE YOU ADD TO SAVINGS.

My husband and I have three beautiful daughters. As financial educators, we are on a mission to ensure that our girls understand the fundamental concepts of financial literacy, such as The Rule of 72 and the various ways money grows. What we know is that 42% of women are afraid they will run out of money by the age of 60, and we are not going to let that happen to our daughters. Too often, we hear of the struggles of women and how they wish their parents or grandparents would have taken hold of their financial future and taught them the power of compound interest in their early years that could have changed the trajectory of their lives.

Thanks to the Million Dollar Baby plan, all three of our girls are on track to become millionaires by the time they retire. This plan gives parents ownership until the parent feels the child is financially ready to take it over. Moreover, the Million Dollar Baby fund allows parents to use the funds as the child grows. For example, a down payment on a first car, college expenses, a first home, a wedding, or even if the child wants to start their own business. Parents can take out the funds as needed tax-free and use them with gradual, steady growth beginning at a young age. The goal is to make the child a millionaire and, in many cases, a multi-millionaire by the time they retire. Don’t you wish your parents did that for you?!

College expenses are traditionally associated with a 529 plan, but the usual 529 is quickly becoming a thing of the past. Personally, we initially opened a 529 plan when our oldest daughter was born. After losing money in an economic downturn, we quickly learned that we wanted our daughter’s funds to be in a safer, non-variable fund. We also wanted the flexibility to use the funds for what we felt she needed and not be limited to the requirements of a 529 plan. Our eyes were opened to the Million Dollar Baby fund, and we never looked back.

As parents, we want to do everything we can to make sure our children are set up for success. We sacrifice so much daily and will do anything to ensure our child’s safety, well-being, and future. This is a small but very impactful step for a parent (or even a grandparent) to take to ensure their child is financially set for life. We also encourage parents to start talking to their children about the significance of money, how to make it, properly save, spend, and invest. Start by using accessible opportunities at the grocery store or shopping for clothing to show your child how saving money now can provide them with significant financial habits later in life.

When my husband and I started this business, we vowed to change our family’s legacy. We aim to become financially free and never worry about money again, utilizing the concepts we teach daily. Naturally, we want a better future for our children than what we grew up with, and the Million Dollar Plan and this business have allowed us to do great things and more for our family. All of this is to hope that our hard work, dedication, and mission will help our daughters find financial independence one day.

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JACKIE

Builds GENERATIONAL

WEALTH CHILDREN ARE SPONGES; THEY SOAK UP EVERYTHING AROUND THEM, AND IT IS PIVOTAL THAT WE TEACH OUR CHILDREN THE MOST ESSENTIAL CONCEPTS IN LIFE FROM A YOUNG AGE. MOST PARENTS DO NOT KNOW THAT CHILDREN BEGIN UNDERSTANDING MONEY AT THE AGE OF SEVEN. OUR JOB IS TO TEACH THEM HOW MONEY WORKS, HOW TO BE FINANCIALLY RESPONSIBLE, AND HOW TO SECURE THEIR FUTURE AS ADULTS.

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SKILLS & STRENGTHS I AM GRATEFUL TO HAVE

PLACES I AM GRATEFUL TO HAVE BEEN OR TO GO

THINGS I AM BLESSED TO HAVE AND AM GRATEFUL FOR

MEMORIES I AM GRATEFUL TO HAVE AND SHARE

ADDITIONAL BLESSINGS I AM GRATEFUL FOR

IF YOU WANT TO FIND HAPPINESS, FIND GRATITUDE

gratitude

PEOPLE I AM GRATEFUL TO KNOW AND LOVE

MOVE OVER 529 PLANS. THERE’S A NEW PLAN IN TOWN! THREE WORDS:

million Dollar Baby

These plans are versatile, allow for substantial growth, and are affordable to fund. The Million Dollar Baby plans can be used to pay for college or trade school, first cars, weddings, and down payments on first homes.

The money can even be withdrawn tax-free. And yes, with minor contributions as young adults, they can retire millionaires!

01

PAY FOR COLLEGE + TRADE SCHOOL

02

PAY FOR FIRST CARS

03

PAY FOR WEDDINGS

04

PAY FOR DOWN PAYMENT ON FIRST HOUSE

SHE.COLLECTIVE I PAGE 23

et to Know THE GIRLS

Robin Elizabeth Q: WHAT IS YOUR FAVORITE PART OF BEING A FINANCIAL EDUCATOR? A: Letting people see how basic math can change their life. These concepts are not hard but they are life changing, especially the sooner we know them.

Katherine Q: WHAT 3 WORDS WOULD YOU USE TO DESCRIBE YOURSELF? A: Joyful, Loving, Nurturing

Q: WHAT’S YOUR FAVORITE THING TO DO IN YOUR SPARE TIME? A: I really enjoy reading. But I love spending time with my family, especially my grandchildren.

Cassi

Q: IF EVERYTHING IN YOUR HOUSE HAD TO BE ONE COLOR, WHAT WOULD IT BE? A: Cajun Shrimp (Yes, that’s really a color—look it up!)

Danielle Allison

Q: WHAT IS YOUR FAVORITE THING ABOUT SHE.COLLECTIVE? A: The empowerment I feel as a woman knowing I have a tribe of women who support each other with the same desire to help others. Women supporting women is a really powerful gift, and it’s underestimated!

Brianna

Q: WHAT DO YOU LOVE THE MOST ABOUT YOURSELF? A: When I meet someone, I look into their soul to discover a unique reason God made them. I feel I have a gigantic heart ready to serve like Jesus! I give everyone 100% trust up front and yearn to find something in common with a stranger to become a friend. I show up as my authentic self giving people permission to take off their mask and be their transparent, vulnerable self with me too.

Sarah

Q: WHAT WOULD YOU TITLE YOUR AUTOBIOGRAPHY? A: Soup On a Hot Day

Q: IF I WIN THE LOTTERY...

A: I would first pay off my house and student loans. I would buy myself, my husband, and my daughter new cars. I’d buy some land—about 3 acres with plenty of room for my husband to have a workshop and us to have a modest home out in the country. I would make sure to invest and secure funds for my children and my parents to make sure they are all taken care of. I would also donate to the A21 and Wounded Warriors Campaigns.

Magen Brooke

Q: WHAT ADVICE WOULD YOU GIVE YOUR YOUNGER SELF? A: Money doesn’t grow on trees and the quicker you realize that, the quicker you’re able to make finances a priority. The quicker you’re able to set yourself up for success, the quicker you can build that financial freedom that so many of us are craving. Find ways to save, find ways to earn and find ways to invest in your future.

Lauri

Q: WHAT BRINGS YOU THE MOST JOY? A: Aside from my grandkids, I’m most joyful when I am able to walk beside families while teaching them the financial concepts that we weren’t taught in school.

Giving them these tools for their life’s tool belt, to use themselves and to teach their friends and families.

Empowering families to take control of their own finances and to BE the ONE who changes legacies.

Q: WHAT BIBLE VERSE DO YOU LEAN ON THE MOST? A: For I know the plans I have for you, declares the Lord, plans to prosper you and not to harm you, plans to give you hope and a future. Jeremiah 29:11

Shelby

Q: IF YOU COULD INSTANTLY LEARN A NEW SKILL, WHAT WOULD IT BE? A: My skill would be sign language. I’ve always wanted to learn it, to be able to communicate to those because not enough people know it!

Raquel Brandi

Q: WHAT IS YOUR FAVORITE QUOTE? A: “He is no fool who gives up what he cannot keep to gain that which he cannot lose” — Jim Elliot

Angela Q: IF YOU COULD HAVE DINNER WITH ONE FAMOUS PERSON, WHO WOULD IT BE WITH? A: Elon Musk’s mother

Q: IF YOU COULD HAVE ANY SUPERPOWER, WHAT WOULD YOU CHOOSE? A: The ability to supernaturally impart wisdom and knowledge in all mankind so that they may live financially free and become self sustainable.

Rose

Q: WHAT ARE THREE THINGS YOU CAN’T LIVE WITHOUT? A: God, my family and iced coffee!

Debbie

Sarah T.

Q: WHAT MAKES ME UNIQUE? A: My Faith. Standing in the peace of THE MOST HIGH during the storms has given me the ability to see the positive side in any situation or circumstance.

Kayla

Q: WHICH ACTRESS WOULD PLAY YOU IN A MOVIE ABOUT YOUR LIFE? A: Rebel Wilson

Q: IF YOU HAD TO EAT ONLY ONE FOOD FOR THE REST OF YOUR LIFE, WHAT WOULD IT BE? A: Homemade chicken soup... that’s it.

Laci

Q: IF YOU HAD ONE WISH, WHAT WOULD IT BE? A: If I had one wish, it would be to share this incredible journey and all the milestones with my parents. I wish they were still alive to witness and be a part of this life we are building.

Friends Don’t Let Friends Be Financially Illiterate 64% OF AMERICANS ARE NOT SET FOR RETIREMENT.

In a world where women are taking charge and rewriting the narrative of financial independence, Tiffany and Kayla are two best friends who are not just surviving; they’re thriving! Both full-time teachers by day, this dynamic duo has found a vibrant side gig in a fabulous women’s movement focused on financial education. With a sprinkle of passion and a bucketful of enthusiasm, they are on a mission to empower themselves and the women around them with financial literacy.

Tiffany’s journey began when she discovered SHE.Collective, a community of supportive women that opened her eyes to the world of financial education. As she navigated through budgeting, saving, investing, and the realities of the not-so-great teacher retirement she was headed toward, she realized that her relationship with money had been a bit of a mystery. She couldn’t wait to pass along this golden knowledge to Kayla, her bestie and partner-in-crime.

Kayla, who had also been feeling the weight of finances, was ready for a change. Together, they dove headfirst into understanding their finances, and the transformation was electric! They learned skills that many people in their own lives overlook, such as how to manage debt, save for future goals, and invest wisely. This journey didn’t just improve their financial situations; it sparked a passion that ignited their innate desire as teachers to help others.

Friends Who Finance Together

THRIVE

Together

With the financial knowledge they gained, Tiffany and Kayla decided to leverage their newfound expertise as a part-time opportunity. This wasn’t just about making extra money; it was about creating a platform to support and uplift other women in their lives.

They understood that financial literacy is a powerful tool that can change lives and wanted to be the catalyst for that change. The best part? They didn’t have to give up their passion for teaching kids to do it! Still teaching at the local school district, SHE. Collective gave them the side gig of their dreams by getting paid to help people save instead of spend.

They’ve empowered friends and family to take control of their finances by sharing what they learned. Whether it’s showing a neighbor how to budget and pay down debt faster or helping a friend navigate the complexities of retirement savings, Tiffany and Kayla are passionate about making financial education accessible and engaging. They believe that incredible transformations can happen when women come together to support each other.

The impact of their work goes beyond just their immediate circle.

Tiffany and Kayla are committed to fostering a community of financially savvy women who can pass on their knowledge to future generations. They understand that financial literacy is not just a skill; it’s a legacy. Empowering women to take charge of their finances today, they’re helping to shape a brighter financial future for families to come.

With every conversation about savings, budgeting, and investing, these two best friends create a ripple effect of empowerment.

They’ve become champions of financial literacy, proving that learning about money can be both fun and rewarding. Their journey is a testament to the power of friendship, the importance of community, and the belief that every woman deserves to feel confident and capable regarding her finances.

So, if you’re feeling inspired by Tiffany and Kayla’s story, take a cue from their playbook! Embrace the opportunity to learn, grow, and empower those around you. Financial literacy is not just a personal journey; it’s a communal one, where every woman can play a part in lifting each other up. Together, we can build a community where financial knowledge flows freely, support is abundant, and every woman has the tools to thrive. Here’s to friendship, empowerment, and a future filled with financial freedom! Cheers!

xoxo, Tiffany + Kayla

SHE.COLLECTIVE I PAGE 31

Friend, mindset is important in anything in life. Around here, we are big fans of positivity and positive thoughts. Your thoughts about money and your financial situation are no different. Don’t let your sneaky subconscious negative thoughts about your finances become your reality. Take control of your money mindset. So the next time those pesky scarcity thoughts try to crash your money party, just wave them goodbye and invite in some fabulous thoughts of abundance to help you nail those financial goals.

WE HAVE PUT TOGETHER SOME WAYS TO REFRAME YOUR NOT-SO-POSITIVE THOUGHTS ABOUT YOUR FINANCIAL SITUATION THAT ARE AS EASY AS 1-2-3.

DON’T WORRY, GIRL; WE’VE GOT YOUR BACK.

MONEY MINDSET Examples of Scarcity Thoughts and Thoughts of Abundance to replace them with:

1 2 3

“I AM A PAYCHECK TO PAYCHECK PERSON.” REPLACE THIS WITH:

"I can budget the money I make to live well."

“I ALWAYS MAKE MISTAKES WHEN IT COMES TO MONEY.” REPLACE THIS WITH:

"I am learning to make better money decisions."

“I WILL NEVER HAVE THE WEALTH OR LIFE I WANT.” REPLACE THIS WITH:

"I deserve to let Abundance into my life."

Scarcity Abundance to NOW LET’S GET TO WORK ON CHANGING YOUR MINDSET. USE THE FOLLOWING WORKSHEET TO TAKE YOUR BELIEFS FROM SCARCITY THOUGHTS TO THOUGHTS OF ABUNDANCE.

To Scarcity thought

Abundance thought

To Scarcity thought

Abundance thought

To Scarcity thought

Abundance thought SHE.COLLECTIVE I PAGE 33

have savings!

HOW SWEET IT IS TO BE LOVED BY YOU

MEET LYNDSAY.

Lyndsay is a 22-year-old Nanny. She met Katelyn (her new financial bestie) at the gym.

After learning that Katelyn helped women learn to grow money with compound interest and secure their financial futures, Lyndsay looked at her financial situation. Lyndsay took advantage of Katelyn’s educational services, and now Lyndsay will retire a millionaire.

BE LIKE LYNDSAY.

SHE.COLLECTIVE I PAGE 35

What to Do when YOUR GUIDE TO BIG CHANGES: MARRIAGE, CAREER CHANGES, LOSS & DIVORCE

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DECIDE ON HOW YOU WILL MANAGE YOUR FINANCES Will you have joint accounts, separate accounts, or even both?

UPDATE YOUR INSURANCE COVERAGE AND BENEFICIARIES Life insurance, health insurance, car insurance UPDATE YOUR FINANCIAL ACCOUNTS Add your spouse as an authorizing user on your accounts if joint.

CREATE AN ESTATE PLAN No one wants to talk about death, but creating a plan will put protection in place.

MAKE A PLAN FOR YOUR DEBT If either of you has debt, it’s essential to work on a plan together to pay it off.

CREATE A FINANCIAL PLAN Meet with one of our financial educators to set up your financial future.

CYou’ve ongrat ulation the met your person, tieds!

knot, and now you’re a wife! Now what? Getting married is such an exciting time in life, but it can also bring many changes. We know it can be overwhelming so we’ve created a checklist on what to do with your finances once you say “I DO”:

YOU SAID YES!

uncertain and stressful. Maybe you’re even freaking out a little…or a lot.

Rest assured that you are right where you need to be and God’s plan for you is so great, you’ll look back in your life and be thankful for this time and see that it was all meant to be and meant to prepare you for your calling. One day at a time…

ASK ABOUT SUPPLEMENTAL INCOME AND BENEFITS Meet with your HR to see about what they can offer you for a severance package.

FILE FOR UNEMPLOYMENT Unemployment benefits will not cover your entire salary but will help with income coming in until you can find a new job.

REASSESS YOUR FINANCES Slow down your spending, and cut costs where you can, and if you have anything extra, put it into savings for now.

MAINTAIN INSURANCE COVERAGE Your company may allow you to stay on their insurance plan for a few weeks, but look into getting added onto your spouse’s plan if that’s an option, or look into COBRA coverage.

ROLL OVER YOUR 401K Meet with your financial educator to roll over your old 401k—this is a crucial step to ensure your money is in the best possible place working hard for you!

JOB SEARCH Start applying for other jobs, and don’t be afraid to take on a part-time opportunity to make extra money while on the hunt.

CAREER CHANGE

Time for a new gig!

You got laid off, and things feel

ACCESS BANK ACCOUNTS AND DAILY EXPENSES If you are on a joint account, this will be a lot easier than if not. If you are not on the account, you will need to provide a death certificate and proof of executorship.

PROBATE Consult with an estate planning attorney. Having a will in place will make this process smoother, but if not, assets will be distributed according to state law.

FINANCIAL INVENTORY Go through your financial records and take inventory of all the accounts you have and their balances. Make a note of the debts, interest rates, and date owned. Find out whose names are on each account/item and run a credit report.

CONTACT INSURANCE, FINANCIAL, AND CREDIT CARD COMPANIES For the financial companies, request forms to transfer ownership of the account.

CONTACT YOUR FINANCIAL EDUCATOR Review your qualified accounts with your advisor to review your favorable tax treatments and ensure you do not trigger unintended tax consequences.

NOTIFY SOCIAL SECURITY Contact your local Social Security office to notify them of your spouse’s passing and start the process to claim your survivor benefits.

UPDATE YOUR WILL AND BENEFICIARIES Contact your estate planning attorney to update your estate documents and your will. Contact your financial educator to update your beneficiaries on your accounts and policies.

TAX FILING Meet with your accountant to review the changes and file any necessary returns for your spouse’s estate.

If you’re reading this and this checklist pertains to you, we are so sorry for your loss.

We're very sorry for your loss

We are sorry your heart is hurting and that things are tough right now.

We are praying for healing and peace for you and your family as you navigate the hard days ahead. You are loved, you are seen, and you are strong.

Gather copies of the last 7 years of tax returns.

Take inventory of your financial accounts (401ks, 403bs, IRAs, insurance policies, investments, annuities, etc.)

Gather information on your and your spouse’s salaries, commissions, and bonus compensation and determine if there are any stock options or additional compensation plans. Also, check to see if there are any business holdings.

Document any inheritance or financial family gifts.

Gather home-related documents such as the deed, mortgage, property tax, insurance, and HOA information.

Calculate the estimated cost of future education and other related expenses for your children.

List any college funds or savings plans that you have for your children or grandchildren.

Confirm whose names are on the vehicle titles and if there are any outstanding loans on them.

Write out other debts that are different than the mortgage and cars.

List your accounts related to rewards programs like air miles, hotel points, etc.

Gather details about significant assets such as boats, jewelry, art, collectibles, etc.

Create a list of any personal property you would like to keep.

Document and record all divorce-related expenses, including professional fees.

IYoursee you, Sis. life isn’t looking like you

thought it would, and that can be hard. We created a list of things we think you should know while navigating this new chapter. We are sorry that things are hard right now, but you are brave and beautiful and will get through this rough patch.

Getting divorced

Get a copy of your and your spouse’s credit reports & social security statements.

PAGE 42 I SHE.COLLECTIVE

Winning at the Game of Money

WINNING IS FUN. AROUND HERE, WE ARE BIG, BIG FANS OF WINNING. WINNING THE MONEY GAME, WELL THAT’S THE ICING ON THE CAKE AND CHERRY ON TOP. CHEF’S KISS. WHY IS MEETING WITH A PROFESSIONAL TO HELP YOU SECURE YOUR FINANCIAL FUTURE BENEFICIAL?

We are so glad you asked!

HAVING A FINANCIAL PRO LIKE OURSELVES ASSIST YOU: 1.

2.

3.

4.

5.

6.

7.

8.

9.

10.

Allows you to actually learn how your money works Allows us to run real-life numbers for you and your family Allows us to get to know you and your personal financial situation Allows you to have access to the best products and providers in the market Allows you access to a real-life person that you know and trust for questions + help Allows you to make changes to your financial strategies with guidance Allows you access to years of industry knowledge Allows you to properly prepare for the future Allows you to avoid tax liabilities and penalties Allows you to properly prepare for retirement

After all that, did we just become real-life besties?

I think so!

THE FINANCIAL INDUSTRY AND REAL ESTATE WORLDS GO HAND IN HAND. WORKING WITH A REAL ESTATE PROFESSIONAL WHO UNDERSTANDS HOW MONEY WORKS ADDS A LARGE VALUE.

MEET Heather SHE REALLY DOES DO IT ALL

With deep-rooted expertise in first-time home buying, apartment, and residential leases, I bring knowledge to each client interaction. My background in luxury property management has honed my ability to navigate complex transactions and provide tailored solutions that meet the unique needs of every client. Whether guiding first-time home buyers through the intricate process of securing their dream home or assisting clients with finding the perfect apartment lease, I leverage my extensive experience to ensure seamless and successful outcomes. Exceptional customer service is at the heart of my approach.

I am committed to understanding my client’s individual preferences and requirements, ensuring that their real estate journey is smooth and enjoyable. My dedication to providing personalized, attentive service has consistently earned the trust and satisfaction of my clients, making their experience as stress-free and rewarding as possible. By combining my expertise with a genuine passion for helping others, I strive to make every real estate transaction a positive and memorable experience.

In addition to my extensive expertise in real estate, my financial industry knowledge significantly enhances the value I offer to my clients. Understanding the financial aspects of home buying, apartment, and residential leases allows me to provide comprehensive guidance on budgeting, mortgage options, and investment strategies. This dual expertise ensures that my clients find the perfect property and make informed financial decisions that align with their long-term goals.

By integrating financial acumen with real estate proficiency, I can offer a holistic approach that empowers clients to achieve both their homeownership dreams and financial objectives.

SHE.COLLECTIVE I PAGE 45

This one is for our dedicated teachers and educators!

Are you counting on TRS alone for your golden years?

LET’S TALK REALITY: MANY RETIRED TEACHERS ARE JUGGLING BILLS, LIVING DAY-TO-DAY, WITHOUT A SAFETY NET BEYOND TRS.

Honestly, many retired teachers end up being “retire-rehires” in the school districts and working when they should be enjoying their retirement dreams. The average TRS standard annuity pays out a mere $2,174 monthly, falling short by 13% due to inflation since 2014… Your future deserves more! We’re here to discuss your TRS and explore additional retirement funding options.

This is gut-wrenching information, but we can help change the trajectory of your financial future. A second source of income for retirement is a MUST. There are so many options out there that we can help you with.

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THE TRUTH ABOUT TRS

As the final bell of the school day rang out, Kelly packed her bags with relief and uncertainty. The laughter of her students lived rent-free in her mind, but beneath that joy was a nagging feeling of discontent. After dedicating 15 years to shaping young minds, she was at a crossroads, feeling burnt out and under-appreciated. Though she adored her students, she felt trapped in a system where her contributions were consistently undervalued. It was then that she decided to alter her life and the lives of so many others for the better. Kelly’s transition from high school teacher to entrepreneur in financial services is a refreshing reminder that growth often comes from bold leaps of faith.

“I knew I had so much more to offer,” Kelly reflects, her voice blending determination and nostalgia.

“I was underpaid, undervalued, and not living up to my full potential.” With young kids at home and a growing desire for time freedom, it became clear that a change was necessary.

Her first step away from the classroom was into career coaching, an area that felt like a natural fit given her background. “Helping people has always been my passion,” she shares. With years of experience as a freelance resume writer, it made perfect sense for her to help others navigate their career transitions. In 2023, she published her first book, *Building Your Dream Resume*, and launched Pivot and Prosper, a platform to guide individuals through career changes.

But it wasn’t until Kelly became a client herself and met with her financial educator that she experienced a pivotal moment in her career. “I realized that financial education was the key to empowerment,” she says. This revelation ignited a fire in her to join forces with the company, driven by a mission to help educators achieve financial stability and prosperity. She was determined to empower those in the education field who often felt trapped by financial limitations.

Kelly’s experience as a teacher has proven invaluable in her new role. The skills she honed in the classroom—patience, empathy, and the ability to break down complex concepts—have seamlessly transitioned into her work in financial education. “I find deep fulfillment in helping clients navigate their finances,” she explains, especially those who, like her, may have felt overwhelmed or lost in the financial landscape. This sense of purpose is even more pronounced when she works with women and families, as she recognizes their unique challenges. She sees her role as a financial educator and a guide who empowers clients to take control of their financial futures.

The financial stability she has found in her new career is a stark contrast to what she experienced as a teacher. “Let’s be honest, teachers don’t join the profession for the money, but having a salary that can keep up with the rising cost of living is crucial,” she notes. With her current role, Kelly can grow her income exponentially through bonuses and residual income. “I’m excited about what the future holds,” she adds, emphasizing her determination to achieve financial freedom, especially in contrast to the retirement options available to teachers.

However, the transition wasn’t without its challenges. “Starting something new can be frustrating and often feels like starting over,” she admits. However, leaning on the mentors in her new field has made it so much easier. She also acknowledges her previous scarcity mindset, which she worked hard to overcome. “The journey has taught me the importance of an abundance mindset,” she shares, helping her embrace the possibilities.

Today, Kelly is a beacon of hope for those looking to make a similar leap. She is living proof that it’s possible to rewrite your story with determination, a willingness to adapt, and the courage to pursue a new path. “Life is too short to stay stuck,” she declares. She continues to inspire educators and clients alike, proving that life’s most rewarding chapters often come from embracing change and pursuing your passions. Through her work, she empowers others to break free from financial constraints and build a future where they can thrive.

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PIVOT and PROSPER

You Can Sit With Us

MONEY CAN BE INTIMIDATING; WE GET IT. DON’T HAVE MUCH OF IT? DON’T KNOW HOW TO MANAGE IT? DON’T KNOW WHAT YOU DON’T KNOW? EMBARRASSED BY YOUR CURRENT FINANCIAL STATE? YOUR BANK ACCOUNT DOESN’T MATCH YOUR SOCIAL MEDIA VIBE? WE UNDERSTAND THAT, TOO! WE UNDERSTAND ALL OF IT.

Good news; this is where women come to win. SHE.Collective was created with YOU in mind. Your money troubles, financial mistakes, and money secrets are safe with us. We are your built-in financial besties. SHE.Collective was created by women, for women, with one goal in mind: making financial literacy attainable, easy to understand, relatable, and really, really cute.

We have built a table and are inviting you to sit with us. Shame and embarrassment about money stops here. Ladies, it’s time to take control of your financial future. You are worthy, and you are ready!

SHE.COLLECTIVE I PAGE 51

Do you know how your money grows?

Most people don’t, and that’s just not okay with us. It’s time to get educated on money, growth, and your options. Friends, financial bestie, at your service. Let’s chat about your options.

FIXED

GOOD NEWS: Fixed accounts give you all of the safety.

BAD NEWS: Fixed accounts have limited to no upside growth potential.

Around here, we like to watch our money grow... so thank you, next!

VARIABLE

SIS, WHILE VARIABLE ACCOUNTS HAVE GROWTH POTENTIAL, THERE IS ALSO THE RISK OF LOSING IT ALL IN MARKET DOWNTURNS AND CRASHES. Perhaps some of your money can live here but these accounts can feel a lot like gambling. Are you willing to take a risk? If not, keep reading—spoiler alert... you should keep reading!

INDEXED

Indexed accounts offer serious upside growth, safety, and a guaranteed floor of zero loss, meaning full downside protection. SAFETY WITH UPSIDE GROWTH POTENTIAL? WE LIKE THE SOUND OF THAT.

Downside PROTECTION

So, what is downside protection? Why is it important to know about it and have it as part of your overall retirement strategy? Let’s look at what most women have in their retirement portfolio…

Maybe a 401K, Roth IRA, Stocks or Mutual Funds? Do any of those sound familiar?

DID YOU KNOW THAT ALL OF THESE ACCOUNT TYPES CAN LOSE MONEY WHEN THE MARKET DROPS? They have zero downside protection or safety built-in. Downside protection is a feature in your retirement strategy where you cannot lose money. In all seriousness, ladies… No one likes to lose money that could be used for coffee, martinis, a new handbag, a Target run, or most importantly, money that could be GROWING with compound interest for your future!

There are many strategies out there with downside protection. Still, sometimes, if someone has spoken to a financial professional, chances are, they may have only recommended something variable due to the increased compensation paid to the advisor over the life of the account rather than what was best for that individual client based on their personal risk tolerance.

When you go to Vegas, are you a risk taker at the casino, or are you a more conservative girlie when it comes to gambling? If you don’t like losing money, downside protection accounts may be your best option.

The importance of downside protection as a part of a balanced portfolio cannot be understated. In many cases, these strategies can form the foundation of a strong plan for your future where you don’t have to stress over a market crash, which we know happens from time to time in variable accounts.

SHE.COLLECTIVE I PAGE 53

By 2030, Women will Control $30 Trillion of Financial Assets

LADIES, SO MANY FINANCIAL FEARS ARE PREVENTABLE THROUGH FINANCIAL LITERACY + PROPER PLANNING. THAT’S WHAT WE ARE HERE FOR. THE FINANCIAL “SCARIES” END HERE.

42% of Women fear running out of money by 60.

FIN-fabulous

FRIENDS, WE HAVE SOMETHING IMPORTANT TO DISCUSS...

Have you ever heard of your FIN number? What about your actual number? Chances are, you have no idea what we are talking about. Grab a drink, take a seat, and let’s talk. This is important. Your FIN number is your Financial Independence Number; you know that big lump sum of money you need to comfortably be able to retire one day. Your actual number is the amount of money you are on track for retirement at age 50, 55, or 65. One of the many things we do for women is teach their FIN number and their actual number. Once you have the oh-so-important numbers, we can identify if there is a gap, and it becomes easy to work the math backward to teach you how much you’d need to save to bridge the gap, allowing you to rest your head on that silk pillowcase and know you are on track for a fantastic retirement. Unfortunately, most people have a gap, and as your Financial BFFs, we want to help you close that gap. A lot of the problems we face with our money are preventable through financial education and utilizing the proper products.

Most people must realize that the average 401K is cashing out at under $200,000. That means many families are trying to survive in retirement on less than $2000 a month! Shocking huh?! These days, that’s not going to last very long. We want to help you close the gap and prevent financial disaster. Ladies, let’s break up with our toxic relationship with our money and build a healthy, beneficial relationship moving forward. Your future self will thank you for having the uncomfortable money conversations now.

Setting yourself up correctly doesn’t have to be complicated, scary, or even intimidating with the help of a professional. We are here to serve you at no cost.

ACA MEDICARE MEDICAID PPO HMO PRIVATE INSURANCE PLANS GROUP HEALTH PLANS WHITE GLOVE HEALTH

Texas Insurance Mom

IN OUR HONEST OPINION, HEALTH INSURANCE IS A MUST-HAVE. ONE MEDICAL EMERGENCY CAN LITERALLY DEVASTATE YOU FINANCIALLY IF YOU DON’T HAVE COVERAGE. MEET JESS, OUR GO-TO HEALTH INSURANCE EXPERT:

I’m Jess Duffin, The Texas Insurance Mom. With over 20 years of experience, I’m dedicated to empowering women like you to make informed health insurance decisions. I’ve helped countless women navigate complex insurance plans and achieve financial peace of mind. I started as a Consumer Advocate for families and continued my education in a Brokerage. I am passionate about creating and maintaining relationships with my clients. I am a Wife, Mother, Daughter, Sister, and Auntie. I treat my clients like family and will work to ensure they have what they need at an affordable rate.

Insurance can be overwhelming, but it doesn’t have to be. Let’s break it down together. Whether you’re just starting out or looking to optimize your coverage, I’m here to guide you. Empower your health and secure your future with The Texas Insurance Mom. I believe in the power of community and support. Let’s work together to build a financially secure future for women in Texas.

Ready to take control of your health and finances? Schedule a free consultation today.

210-912-8993 I thetexasinsurancemom@gmail.com SHE.COLLECTIVE I PAGE 57

“Behind every great woman is

another great woman” — Kate Hodges

HEY SIS, IT’S NOT YOUR FAULT. WE WEREN’T TAUGHT WHAT WE NEED TO KNOW IN SCHOOL, BUT THIS STATISTIC IS WORRISOME, DON’T YOU THINK? LEARNING SIMPLE FINANCIAL LITERACY CONCEPTS CAN PREVENT MANY FINANCIAL MISTAKES. “FINANCIALLY ILLITERATE” IS NOT A TITLE I WANT OR A CLUB I WANT TO BE IN.

34 LET’S CHANGE THIS.

out of

Millennials do not understand basic financial literacy concepts.

Vanessa Fillingim Here at SHE.Collective, we value integrity, professionalism, dependability, and loyalty. You will find all of these qualities deeply rooted in our friend and Preferred Partner, Vanessa Fillingim. Vanessa is a wife, mom, friend, dog lover and Realtor. She prides herself on going above and beyond for her clients, finding them the perfect place to call home and making it a straightforward, smooth, and enjoyable transaction. We have a lot of pride in our relationships with the industry pros we choose to partner with and could not be any more blessed by the opportunity to work closely with Vanessa. She is the real deal, and we invite you to find out for yourself.

Get to know Vanessa:

HOW LONG HAVE YOU BEEN IN REAL ESTATE? I have been in real estate for 18 years. I started in 2006 and have been going strong ever since.

WHAT IS YOUR FAVORITE PART OF BEING A REALTOR? I love helping people make their dreams of homeownership come true!

WHAT IS THE BEST ADVICE YOU COULD GIVE A BUYER? Only house hunt once you are ready to buy; only look within your price range. It’s way too easy to fall in love with homes you cannot afford.

WHAT IS THE BEST ADVICE YOU COULD GIVE A SELLER? Price your home appropriately, and hire professionals for everything (especially photos)!

WHAT IS ONE FUN FACT ABOUT YOU? I play Professional Cornhole for the American Cornhole League, and I’ve won a Pro Shootout Event on ESPN.

PHONE 214.477.4117 EMAIL vanessa.fillingim@gmail.com

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“EVERY WOMAN’S SUCCESS SHOULD BE AN INSPIRATION TO ANOTHER. WE’RE STRONGEST WHEN WE CHEER EACH OTHER ON.” —SERENA WILLIAMS

Dr. Lauren Ashley SHE.Collective: A Space for

As a mother of three beautiful daughters, I often reflect on the legacy I want to leave for them—a legacy rooted in love, compassion, and empowerment. My journey has been shaped by my experiences as an educator and my deep desire to uplift other women in our community.

With over 12 years in education and a PhD in Curriculum and Instruction, I’ve dedicated my career to fostering understanding and empathy in the classroom.

Education is a powerful tool that can transform lives and build connections. This belief has only deepened as I’ve navigated the financial services industry alongside my husband, who has been passionately helping families for over five years. While I’ve always been proud of his work, I yearned for a space to contribute meaningfully, especially for women.

At times, I felt like I was cheering from the sidelines, wanting to engage in conversations about financial empowerment but unsure how to find my place.

It became clear to me that many women share this sentiment, and there was a genuine need for a supportive community—one where we could share our stories, learn from one another, and feel confident discussing finances without fear or intimidation. This realization led me to join the incredible women who came together to create SHE.Collective.

SHE.Collective, our women’s initiative, embodies the principles of Support, Help, and Empower. It’s about more than just financial literacy; it’s about cultivating strong, meaningful relationships among women who uplift one another. As I became involved, I witnessed firsthand how financial empowerment is intertwined with the empowerment that comes from building close connections with other women.

The supportive environment we’ve created allows us to share our experiences, challenges, and triumphs. Whether discussing budgeting strategies, sharing career advice, or simply being a listening ear, we come together to support one another.

When we lift each other up, we all rise together.

Being part of SHE.Collective has helped me realize that empowerment doesn’t just come from achieving individual goals; it flourishes within a sense of community. I’ve seen women who once felt hesitant to engage in financial discussions embrace their capabilities while forming lasting friendships. It’s inspiring to witness how we foster a culture where vulnerability is welcomed and every voice matters.

As I guide my daughters, I want them to know they are strong, capable, and deserving of every opportunity. I want them to understand that their womanhood is a source of power and that they can make a difference in the lives of others. By nurturing a foundation of empathy and compassion at home, I hope they will carry these values into their futures and inspire those around them.

In my role within SHE.Collective, my goal is to ensure that every woman feels seen, heard, and valued. I believe that financial discussions should be accessible to everyone, and I strive to create an environment where it’s okay to ask questions, share experiences, and learn together. The stories and insights that women contribute to our community make it unique—they remind us that we’re not alone on this journey and can overcome any challenge together.

As I continue this work, I am continually humbled by the strength and resilience of the women I encounter. Their stories inspire me, and I am grateful for the opportunity to support them in their financial growth and personal connections.

Together, we are building a culture of encouragement and empowerment that makes a real difference in our lives.

My journey has been a beautiful reminder that when we come together with love and understanding, we can create meaningful change—not just for ourselves but for the generations that follow. I am proud to be part of this movement, one that enriches my life and my daughters’ lives while empowering women everywhere to embrace their potential and take charge of their financial futures. Together, we can build a brighter, more inclusive world for all.

Williams, PhD Women to Thrive Together

SHE.COLLECTIVE I PAGE 63

Office vibes

Hey friends! Take a look at our new office! The SHE.Collective HQ is located in McKinney, Texas. We are thrilled to have a place of our own.

Our office is, of course, pink and red and includes all things girlie! We

love having a fun gathering place to not only grow our business but also have girl time. If you’re local, we would love to host you!

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Give us a follow!

DID WE JUST BECOME FINANCIAL BESTIES? WE THINK SO! WE POST FINANCIAL LITERACY INFO WEEKLY ON OUR SOCIAL MEDIA PLATFORMS. BFF, LET’S KEEP THIS PARTY GOING! INSTAGRAM @she.collective.social FACEBOOK SHE Collective

WHERE WOMEN COME TO WIN