The Gift of Conversation | How to Talk About Money And Build Your Investing Mindset
In this reflective episode of Loud Investing, Chanel explores one of the most underrated financial tools you have access to at any time, conversation. She explains why silence around money is so expensive, how avoidance fuels anxiety, and what changes when you start saying your fears out loud with people you trust. Drawing on classic investing books and real life experience, she shares practical conversation starters you can use so money talk feels natural, empowering, and even bonding.
You Will Hear Highlights On
• Why now is the perfect time to talk about the future
• How silence around money creates anxiety
• What classic money books have in common about facing reality and uncomfortable truths
• Simple scripts to turn awkward small talk into empowering money conversations
• Why speaking your financial intentions out loud helps both you and the people around you
Actionable Steps
• Choose one person you trust and ask a simple money question
• Use a book as a bridge - share one idea from a money book that changed how you think and explain how you applied it
• Name your first investing fear - describe honestly how you felt the first time you put money into the market and what actually happened
Key Moments Within the Episode
(01:34) How guessing about money creates anxiety and why talking reduces that pressure
(02:38) Three conversation scenarios that turn small talk into empowerment
(09:02) Purchasing power, inflation and why cash can be more risky than investing
(10:25) Why good investing could be sitting still while others panic
(17:48) The end of year challenge to ask one powerful money question and break the silence
Helpful Links
Warwick Business School study on women outperforming men as investors https://www.wbs.ac.uk/news/are-women-better-investors-than-men/
eToro research on the ‘confidence gap’ and women in financial serviceshttps://www.etoro.com/news-and-analysis/investing/is-financial-services-obsession-with-confidence-gap-putting-women-off-investing/
Understanding behavioural finance and emotional biases https://www.etoro.com/investing/understanding-behavioural-finance/
Inflation and how it affects your purchasing power and investments https://www.investopedia.com/ask/answers/what-is-inflation-and-how-should-it-affect-investing/
Benjamin Graham, The Intelligent Investor https://en.wikipedia.org/wiki/The_Intelligent_Investor
Robert Kiyosaki, Rich Dad Poor Dad https://www.richdad.com/
Tony Robbins, Unshakeablehttps://www.simonandschuster.com/books/Unshakeable/Tony-Robbins/Tony-Robbins-Financial-Freedom-Series/9781508232704
Morgan Housel, The Psychology of Money https://www.amazon.com/Psychology-Money-Timeless-lessons-happiness/dp/0857197681
Morgan Housel, The Art of Spending Moneyhttps://www.kiplinger.com/personal-finance/spending/morgan-housel-interview-the-art-of-spending
Guide on how to talk about money with family and friends https://www.letsriseup.com/open-up-about-money-psychotherapist-advice/
eToro press release on Gen Z turning investing into a dinner table topic
https://www.etoro.com/news-and-analysis/press-releases/gen-z-turning-investing-into-dinner-table-topic-younger-investors-far-more-open-discussing-portfolios-with-friends-and-family/
Important Disclosures
This podcast is for information and educational purposes only and should not be taken as investment advice, a personal recommendation or an offer of or solicitation to buy or sell any financial instruments.
This material has been prepared without taking into account any particular recipient investment objectives or financial situation and has not been prepared in accordance with the legal and regulatory requirements to promote independent research. Past performance is not an indication of future results.
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19:42
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19:42
Are You Driven by FOMO? | Investing Psychology & The Christmas Trap
The end of the year brings not only sales and celebrations but also emotional chaos around money. In this episode of Loud Investing, Chanel unpacks the hidden psychology behind FOMO, from festive shopping sprees to market bubbles, and shows how the same brain chemistry drives both. She explains what really happens in your brain when dopamine takes over and how learning emotional discipline can transform both your wallet and your portfolio.
You’ll Hear Highlights On:
• The link between Holiday shopping behavior and market psychology
• How dopamine fuels impulsive decisions in both spending and investing
• Why limited time offers trigger survival responses in your brain
• The real reason FOMO keeps you chasing what is next
• Historical lessons from tulip mania and meme stocks
• How to rewire your mindset to make calm, long term decisions
Actionable Steps You Can Take Toward Your Financial Future:
Notice emotional triggers. Before making an investment, pause and name what you are feeling, for example excitement, fear, or pressure.
Create a Yes List and No List. Decide in advance what you will and will not spend on before the noise begins.
Wait seven days. If you still want it after a week and it fits your plan, go ahead, otherwise let it go.
Do a monthly portfolio wardrobe check. Review which investments still fit your goals and which you have outgrown.
Track emotional patterns. Journal what made you act impulsively and what helped you stay calm.
Key Moments within the Episode:
(00:00) Why this time of year challenges our financial discipline
(01:22) How emotional spending mirrors investor FOMO
(05:45) Why dopamine makes us chase more
(07:30) The GameStop frenzy and Black Friday effect
(08:40) Tulip mania and how hype distorts value
(10:50) What social media learned from centuries of crowd psychology
(11:45) Recognising when panic could create opportunities
(15:13) Building emotional boundaries and no FOMO rules
(16:00) Using time to your advantage, why waiting pays
(21:00) The wardrobe metaphor for your portfolio
Helpful Links:
eToro Academy: Understanding Investor Psychology: https://www.etoro.com/investing/psychology-of-investing/
eToro Academy: How to Build an Investment Portfolio: https://www.etoro.com/academy/courses/building-your-portfolio/
Understanding Investment Risk https://www.investopedia.com/terms/r/risk.asp
Investopedia: FOMO in Investing: https://www.investopedia.com/fomo-investing-protect-your-money-11757950
Harvard Business Review: Emotional Regulation: https://hbr.org/2016/11/how-to-manage-your-emotions-without-fighting-them
Daniel Z. Lieberman, The Molecule of More: https://www.goodreads.com/work/quotes/60312456-the-molecule-of-more-how-a-single-chemical-in-your-brain-drives-love-s
Mike Dash, Tulipomania: https://www.goodreads.com/en/book/show/431668.Tulipomania
Warren Buffett 1986 Letter to Shareholders: https://www.berkshirehathaway.com/letters/1986.html
MoneySavingExpert: How to Avoid Overspending: https://www.express.co.uk/finance/personalfinance/1970702/money-saving-expert-how-to-stop-spending-martin-lewis
Important Disclosures:
This podcast is for information and educational purposes only and should not be taken as investment advice, a personal recommendation or an offer of or solicitation to buy or sell any financial instruments.
This material has been prepared without taking into account any particular recipient's investment objectives or financial situation and has not been prepared in accordance with the legal and regulatory requirements to promote independent research. Past performance is not an indication of future results.
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22:25
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22:25
The Investor’s Canvas | How to Build a Creative Investing Strategy
Investing is often described as a technical or analytical skill, but it is also deeply creative. In this episode of Loud Investing, Chanel explores how building an investment portfolio can feel like designing your dream home. From core foundations to statement pieces, she breaks down the elements of a balanced portfolio and shows how each choice can reflect your goals, values, and personality.
You’ll Hear Highlights On:
How to see investing as a creative, expressive process.
What your portfolio design says about your values.The role of diversification in creating financial balance.Understanding dividend stocks and how passive income works.
Why your portfolio should evolve as you grow.
Actionable Steps You Can Take Toward Your Financial Future:
Visualize your financial life like a home and define what you want it to feel like.
Build your financial foundation with savings, ETFs, and stable assets such as bonds or gold.
Add personal touches through stocks in companies that reflect your interests or lifestyle.
Research one dividend-paying company and analyze its consistency, yield, and payout ratio.
Create a financial mood board that captures your goals, feelings, and future vision.
Key Moments within the Episode:
(00:00) Realizing the connection between money and creativity
(01:30) How portfolio building mirrors interior design
(03:30) Defining your portfolio’s core foundations
(04:45) The role of stability assets such as bonds and gold
(05:34) Adding personal touches with lifestyle-aligned stocks
(06:00) The importance of dividend-paying stocks for passive income
(06:55) Including statement investments such as innovation or crypto
(07:26) Understanding diversification as portfolio balance
(08:54) Creating a money mood board (10:38) Exploring the idea of passive income
(12:00) How to identify dividend stocks and avoid yield traps
(14:14) Using eToro’s Dividend Calendar and AI assistant Tori
(15:21) Understanding the ex-dividend date
(17:01) Creating your own financial mood board challenge
(18:44) Allowing your portfolio to evolve as you grow
Helpful Links:
eToro Academy: How to Build an Investment Portfolio https://www.etoro.com/investing/how-to-build-an-investment-portfolio/
What Are ETFs https://www.investopedia.com/terms/e/etf.asp
Understanding Asset Classes https://www.investopedia.com/terms/a/assetclasses.asp
Understanding Bonds https://www.getsmarteraboutmoney.ca/learning-path/bonds/how-bonds-work/
Understanding Dividend Stocks https://www.investopedia.com/terms/s/stockdividend.asp
eToro Academy: Understanding Dividend Stock https://www.etoro.com/investing/what-are-dividends
Investopedia: Dividend Yield Explained https://www.investopedia.com/terms/d/dividendyield.asp
Investopedia: Payout Ratio https://www.investopedia.com/terms/p/payoutratio.asp
Coca-Cola Investor Relations https://investors.coca-colacompany.com/
Microsoft Investor Relations https://www.microsoft.com/investor/
Johnson and Johnson Investor Relations https://investor.jnj.com/
Spotify Investors https://investors.spotify.com/
Apple Investor Relations https://investor.apple.com/
eToro Academy: Dividend Calendar https://www.etoro.com/investing/dividend-calendar/
Understanding the Ex-Dividend Date https://www.investopedia.com/terms/e/ex-dividend.asp
James Clear: The Power of Habits https://jamesclear.com/habits
Important Disclosures:
This podcast is for information and educational purposes only and should not be taken as investment advice, a personal recommendation or an offer of or solicitation to buy or sell any financial instruments.
This material has been prepared without taking into account any particular recipient's investment objectives or financial situation and has not been prepared in accordance with the legal and regulatory requirements to promote independent research. Past performance is not an indication of future results.
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21:00
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21:00
Investing Beyond The Comfort Zone | How I Learned to Take Smart Risks as a New Investor
Playing it safe might feel comfortable, but growth begins when you step beyond your limits. In this episode of Loud Investing, Chanel reflects on what it means to take calculated risks as a new investor. From choosing your first assets to managing uncertainty, she explores how courage and strategy work together to build knowledge in the markets.
You’ll Hear Highlights On:
What it means to take a calculated risk in investing.
How to evaluate opportunities using research, not emotion.
How diversification and asset mix protect you from big losses.
Why growth in investing often starts outside your comfort zone.
Actionable Steps You Can Take Toward Your Financial Future:
Research two asset classes you are unfamiliar with and compare their risk profiles.
Start a small, new investment outside your usual comfort zone and track your progress.
Review how much of your portfolio is allocated to low, medium, and high-risk assets.
Read one educational resource per week about risk management.
Reflect on a personal fear you overcame and apply the same mindset to your investing journey.
Key Moments within the Episode:
(01:34) Why taking risks matters for growth
(01:34) Why taking risks matters for growth
(01:58) How calculated risks differ from reckless ones
(03:06) Learning from early investing mistakes
(03:53) Building courage through small experiments
(04:30) How diversification reduces risk
(05:19) Understanding risk and reward balance
(18:06) The role of confidence in decision-making
(21:39) How research creates certainty in uncertainty
(22:02) Stepping outside your comfort zone as an investor
Helpful Links:
Understanding Investment Risk https://www.investopedia.com/terms/r/risk.asp
eToro Academy: Diversification in Investing https://www.etoro.com/investing/how-to-build-a-diversified-portfolio/
eToro Academy: How to Build an Investment Portfolio https://www.etoro.com/academy/courses/building-your-portfolio/
Investment Strategies Explained: eToro Academy https://www.etoro.com/investing/investment-strategies/
How to Choose an Investment Strategy https://www.investopedia.com/investing/investing-strategies/
Understanding Asset Classes https://corporatefinanceinstitute.com/resources/wealth-management/asset-class/
Investopedia: What Is Risk Tolerance https://www.investopedia.com/terms/r/risktolerance.asp
Understanding Portfolio Diversification https://www.investopedia.com/terms/d/diversification.asp
S&P 500 has never suffered a loss over a 20-year period https://www.nasdaq.com/articles/cant-lose-investing-strategy-has-never-lost-money-2017-05-12
Important Disclosures:
This podcast is for information and educational purposes only and should not be taken as investment advice, a personal recommendation or an offer of or solicitation to buy or sell any financial instruments.
This material has been prepared without taking into account any particular recipient's investment objectives or financial situation and has not been prepared in accordance with the legal and regulatory requirements to promote independent research. Past performance is not an indication of future results.
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23:11
Investing's 'Emotional Strength Training' | What I Learned About Resilience as a New Investor
Emotions play a bigger role in investing than most people realise. In this episode of Loud Investing, Chanel explores how to handle market ups and downs without losing focus. Discover how to make decisions based on strategy, not emotion.
You’ll Hear Highlights On:
Why emotional control matters more than timing the market.
How confidence grows through experience and small wins.
The link between psychology and market performance.
Why volatility can be an opportunity, not a threat.
Simple ways to build a resilient investor mindset.
Actionable Steps You Can Take Toward Your Financial Future:
Track your reactions to market changes and write down how they affect your confidence.
Read one trusted financial publication instead of scrolling news headlines.
Review your portfolio once a month instead of every day.
Join an investor community to share insights and stay accountable.
Key Moments within the Episode:
(00:00) Understanding the emotional side of investing
(01:42) How new product launches can move stock prices
(02:41) Why quarterly earnings reports matter
(03:12) Reading economic indicators and trends
(04:38) How inflation and interest rates affect your portfolio
(06:04) Staying confident during market volatility
(06:30) Building habits that support financial consistency
(07:25) Making smarter financial decisions through self-awareness
(09:17) Using the eToro community to learn and grow
Helpful Links:
Morgan Housel: The Psychology of Money https://www.collaborativefund.com/blog/the-psychology-of-money/
Spotify Investors: AI DJ Product Announcement https://newsroom.spotify.com/2023-02-22/spotify-debuts-a-new-ai-dj-right-in-your-pocket/
How Company Announcements Affect Stocks https://www.investopedia.com/ask/answers/155.asp#:~:text=Positive%20news%20will%20normally%20cause,an%20increase%20in%20stock%20prices.
eToro Academy: What Are Earnings Reports https://www.etoro.com/en-us/academy/videos/earnings-made-simple/
Understanding Economic Indicators https://corporatefinanceinstitute.com/resources/economics/economic-indicators/
Understanding Interest Rates http://bankofengland.co.uk/explainers/what-are-interest-rates
Inflation Explained https://www.bankofengland.co.uk/explainers/what-is-inflation
Federal Reserve: How Interest Rates Affect the Economy https://www.pbs.org/newshour/economy/how-does-a-federal-reserve-rate-cut-affect-your-finances-4-things-to-know
eToro Academy: Understanding Market Volatility https://www.etoro.com/stocks/market-volatility/
How to Stay the Course During Market Volatility https://investor.vanguard.com/investor-resources-education/market-volatility
James Clear: The Power of Habits https://jamesclear.com/habits
How to Make Better Financial Decisions https://www.ft.com/content/5ba8bf83-84ad-4ff3-85c3-6d6a6cdfc1ba
Psychology Today: How Emotions Influence Financial Decisions https://www.psychologytoday.com/us/blog/psychology-money-and-happiness/202403/how-emotions-impact-your-financial-decisions
eToro Academy: How Inflation Affects Your Investments https://www.etoro.com/academy/summer-school/how-inflation-affects-the-markets/
Important Disclosures:
This podcast is for information and educational purposes only and should not be taken as investment advice, a personal recommendation or an offer of or solicitation to buy or sell any financial instruments.
This material has been prepared without taking into account any particular recipient's investment objectives or financial situation and has not been prepared in accordance with the legal and regulatory requirements to promote independent research. Past performance is not an indication of future results.
About Loud Investing: For Anyone Who Thought It Wasn't For Them
New episodes every Tuesday.
Loud Investing is a podcast by eToro about empowering everyone to close the gender investment gap.
Ever felt like investing is just not for you?
We get it- and you're definitely not alone! Loud Investing is here to change that conversation. Think of us as your supportive friend who's figured out this whole investing thing and wants to share everything they've learned packed with real chat, relatable stories, and down-to-earth advice from people who've been exactly where you are now.
This podcast is for you if you:
Think investing sounds scary or complicated
Want to sort your finances but don't know where to begin
Feel like everyone else has investing figured out (spoiler: they don't!)
Your host is former CNBC London journalist, Chanel Monteine, who swapped the newsroom for entrepreneurship - and had to learn about investing the hard way.
Each week, she shares honest stories, simple exercises you can actually do. .
No jargon, no judgment, just real talk about investing.
Come as you are and get loud with us!
The content discussed is for educational purposes only and is not investment advice. Investing involves risks. The views shared are general in nature and not tailored to any individual. Always do your research before making financial decisions.
Listen to Loud Investing: For Anyone Who Thought It Wasn't For Them, Merryn Talks Money and many other podcasts from around the world with the radio.net app