475: Simran (Friends That Invest): The Investment Mistake 70% of Women Make (Do This Instead)

*Note: At the time of this recording, Simran’s business was called Girls That Invest - it has since been renamed to Friends That Invest.

What if your money could give you freedom - not just someday, but starting now?

In this episode, Natalie sits down with Simran Kaur, founder of Friends That Invest, to talk about building real financial security in an uncertain economy.

They cover how to recession-proof your income, avoid common money traps, and start investing with confidence, even if you’re starting from zero. Simran shares the simple system behind her early retirement plan, why passive income is often misunderstood, and how to create your own trust fund so your money works for you.

If you’ve been avoiding your finances or feeling unsure where to start, this episode will help you take your power back.

TIMESTAMPS

00:00 - Simran shares her journey from optometrist to founder of a global investing platform

02:00 - Why she chose a simple business model with one paid offer, and how it changed everything

04:10 - The truth about shiny object syndrome and how to stay focused on what works

06:20 - A real conversation about what’s happening in the economy right now + how to protect yourself

08:30 The two ways to handle your finances during a recession: proactive vs. reactive

11:15 - How to calculate your personal “burn rate” and set up a 6-month emergency fund

13:50 - Avoiding lifestyle creep + how to grow your income without overspending

15:25 - Why the wealthiest people invest more during recessions, and how you can too

18:10 - Simran’s personal plan to retire early and how she’s creating her own trust fund

21:00 - Passive income vs. real passive investing: what actually counts

23:30 - The 4% drawdown rule explained, and why it’s the key to financial independence

25:00 - The mistake 70% of women are making with their money (and how to fix it)

29:50 The easiest way to start investing + Simran’s advice for beginners

RESOURCES + LINKS

Want to start investing or join the next masterclass? Head to https://friendsthatinvest.com/ to sign up for the newsletter, explore resources, and learn more.

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