Live and Earn
115 episodes - English - Latest episode: almost 3 years ago - ★★★★★ - 32 ratingsAcross the US, from our kitchens, our boardrooms (even our bedrooms) women launch nearly 2000 new businesses every. single. day.
They’re family women. Single women. Moms. Or not. They’re college graduates. High-school dropouts. Debtors. Bootstrappers. Multimillionaires. They’re women from every culture, community, and background. Now more than ever, they’re women of color, too.
These aren’t the kinds of success stories you hear every day. But they should be.
Helen Ngo, CERTIFIED FINANCIAL PLANNER, multiple-business-owner, money-and-empowerment coach for women entrepreneurs, knows the real questions—and doesn’t hesitate to ask. Hear the unfiltered answers, real-life experiences, lessons learned, and yes, actual costs of what’s lost and what’s earned by women who’ve fired their old life to start something new.
Tune in each Wednesday to hear their bold stories.
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Episodes
Ep 2: How to Become Financially Independent With Kiki Roeder
November 02, 2020 09:01 - 37 minutes - 41.2 MBLive to work or work to live? Either way, being financially independent - and not relying on your next paycheck or your “emergency” savings - is a goal well-worth striving for. Having the financial freedom to remove money as a concern, and just go about living your life is a powerful thing. And, thankfully, it isn’t something that’s just reserved for folks in the 60+ club with a successful retirement plan. Meet serial entrepreneur, Kiki Roeder. She breaks down what it means to be fina...
Ep 1: What This Podcast is All About
November 02, 2020 09:00 - 8 minutes - 13.4 MBWelcome to the Live and Earn Podcast! My name is Helen Ngo and I’m a corporate dropout and former stockbroker turned CEO and Founder of an investment management firm. Over the past decade, I have worked one-on-one with over 300 individuals and families, and through this, I began to notice something. Every woman I worked with faced the same struggles regardless of her income level, whether she makes $50,000 a year or $1MM a year. She faces the challenge of having a sense of not BEING enou...
Building a Profitable Travel Business
December 11, 2019 05:00 - 41 minutes - 39 MBSicily South founder and CEO, Sarah Cate Patten, shares her experience starting and growing a travel business and working with her Sicilian husband. If you close your ears when you hear the words “group tour”, Sarah Cate’s business model and passion for Sicily may make you change your mind. Small groups, intimate, personalized experiences, and native guides who love the business they’re building. Helen and Sarah Cate talk about the pros and cons of working with a spouse and investing in ...
High-End Sales for a High-End Life
November 27, 2019 05:00 - 59 minutes - 51.7 MBMerel Kriegsman is the founder and CEO of Merel Kriegsman Media. She provides high-end mentorship to women business owners, plus runs a conversion copywriting agency. While Merel is now on the verge of her first 7-figure year (in less than 5 years in business!), her story starts with: being in debt and underpaid, and scrubbing toilets to make ends meet… while 8 months pregnant. Helen and Merel talk about the unique relationship between power and money and why women shouldn’t be afraid to...
My First Tarot Reading
November 20, 2019 05:00 - 1 hour - 51.8 MBConfession time: I’ve never had a tarot card reading before. And quite frankly, I was a little bit skeptical before my friend, Lauren Kelley, offered to do a reading for me. But I learned so much not only about the technical aspects of tarot itself but also how it can tell us about things ranging from our love lives to our businesses, and more. Lauren is the Founder of Digitarot and does a card reading for me (a tarot newbie) live in this episode. She does a fantastic job of educating u...
Creating a career outside the box
November 13, 2019 05:00 - 56 minutes - 52.4 MBCareer Coach, Nicole Amos, started The Career Oasis when her friends and colleagues told her she should start charging for the amazing career advice and strategy she was already providing. A born networker, Nicole started climbing the corporate ladder by finding creative ways to “be in the room” with the people making decisions. When co-workers began to take notice, they came to her asking for advice on how to make the same happen for them. Nicole realized she had a gift for helping peopl...
Doing Something Greater Than Myself
November 06, 2019 05:00 - 56 minutes - 50.2 MBFounder and CEO of Proximity Partners, Jazmin Addy, started her business as a means to creating a better life for her children and leaving something greater for them than just the basics. With a long-term view of building generational wealth at the forefront of her mind, Jazmin made more money in her first year of business than she earned at her corporate job, a rare feat any seasoned entrepreneur would know. For her, starting a business meant more than just having the freedom to do what...
Juggling It All to Have It All
October 30, 2019 04:00 - 39 minutes - 34 MBSerial entrepreneur, Ashley Monee Williams, shares her experience leaving a 6-figure job (right out of college!) to tackle marriage, motherhood, and the uncertainties of being an entrepreneur. Juggling all the things that life as a wife, mother, and business owner brings is enough to make most people’s heads spin. And while she’ll tell you she’s far from having mastered it, Ashley does a phenomenal job at navigating it all gracefully. Through her experience operating The League with her hu...
My First Year as a Boss and Co-Founder
October 23, 2019 04:00 - 35 minutes - 33.4 MBFunny woman and Co-Founder of video production company, M-O, Loren O’Brien talks with Helen about her first year in business. It’s rare to catch up with someone who’s IN their first year of business, but Loren brings her frankness and stand-up comedian touch to the details of starting M-O with her partner. From returning to Atlanta from London and starting from scratch, to choosing the wrong business name, Loren doesn’t hold back. Join Helen as she talks to Loren about the ups and downs ...
Leaving Corporate Life Behind for a Better Future
October 16, 2019 04:00 - 40 minutes - 40 MBWild Web Woman and CEO of Web Marketing Therapy®, Lorrie Thomas Ross, talks about leadership as an entrepreneur and growing a team. What does “leaving the confines of corporate hell” look like? For many of us who have made the leap into full-time entrepreneurship, leadership skills is the last thing on our minds in mastering - especially if you just work for yourself at the beginning. But stepping up to be a leader for yourself is top of mind when Lorrie gives advice to new entrepreneurs. ...
Owning Your Worth
October 09, 2019 04:00 - 41 minutes - 38.8 MBOwn Your Worth™ founder and CEO Ashley Paré talks about the difference between worth and value, and how the way we define them can shape our career path. The thought of negotiating a 5-figure pay raise is enough to make most people’s palms sweat. But it’s what Ashley helps her clients do every day. Women especially tend to struggle with attaching self-worth to the amount of their paycheck without realizing how inherently worthy they already are. Helen and Ashley talk about untangling our...
Owning your worth
October 09, 2019 04:00 - 41 minutes - 38.8 MBOwn Your Worth™ founder and CEO Ashley Paré talks about the difference between worth and value, and how the way we define them can shape our career path. The thought of negotiating a 5-figure pay raise is enough to make most people’s palms sweat. But it’s what Ashley helps her clients do every day. Women especially tend to struggle with attaching self-worth to the amount of their paycheck without realizing how inherently worthy they already are. Helen and Ashley talk about untangling our...
Going into business for YOU
October 02, 2019 04:00 - 50 minutes - 46.2 MBSocialique Groupe founder and Instagram lead-gen expert, Deepshikha Sairam, shares how she got started in her business and the valuable lessons she’s learned about investing wisely. There is so much focus on growing your social media following, but few focus on what happens after you gain new followers. You might have over 10,000, but does that number even matter if no one is buying from you? Deepshikha is helping women business owners put on a different lense to use social media in a whol...
Going Into Business for YOU
October 02, 2019 04:00 - 50 minutes - 46.2 MBSocialique Groupe founder and Instagram lead-gen expert, Deepshikha Sairam, shares how she got started in her business and the valuable lessons she’s learned about investing wisely. There is so much focus on growing your social media following, but few focus on what happens after you gain new followers. You might have over 10,000, but does that number even matter if no one is buying from you? Deepshikha is helping women business owners put on a different lense to use social media in a whol...
The winding path of following your passion
September 25, 2019 04:00 - 1 hour - 59.6 MBColor expert and Elea Blake Cosmetics owner Darin Wright shares what it can really look like to follow your passion. Few of us realize just how much color affects our surroundings: from the color on the walls of our homes to the colors we put on our hair, skin, and nails. Finding the right colors for your unique chemistry can have a profound effect on everything from home decor to the clothes we buy, but how do you know if a color is right for you? Darin has dedicated years of her life and...
The Winding Path of Following Your Passion
September 25, 2019 04:00 - 1 hour - 59.6 MBColor expert and Elea Blake Cosmetics owner Darin Wright shares what it can really look like to follow your passion. Few of us realize just how much color affects our surroundings: from the color on the walls of our homes to the colors we put on our hair, skin, and nails. Finding the right colors for your unique chemistry can have a profound effect on everything from home decor to the clothes we buy, but how do you know if a color is right for you? Darin has dedicated years of her life and...
Letting Go to Find Success
September 18, 2019 04:00 - 52 minutes - 51.6 MBEight-figure serial entrepreneur and founder of Peachdish.com, Judith Winfrey, shares the valuable lessons she’s learned from starting five businesses in under 15 years. Most of us don’t think beyond our own personal health and nutrition when it comes to the type of food we buy and where we buy it. But Judith sees the broader effects that choosing to support local farms can have on the economy and the environment. It’s no wonder she’s been able to achieve such longevity and success in busi...
Letting go to find success
September 18, 2019 04:00 - 52 minutes - 51.6 MBEight-figure serial entrepreneur and founder of Peachdish.com, Judith Winfrey, shares the valuable lessons she’s learned from starting five businesses in under 15 years. Most of us don’t think beyond our own personal health and nutrition when it comes to the type of food we buy and where we buy it. But Judith sees the broader effects that choosing to support local farms can have on the economy and the environment. It’s no wonder she’s been able to achieve such longevity and success in busi...
The Downside of Saying ‘Yes’ Too Often
June 19, 2019 04:00 - 21 minutes - 22.6 MBHave you become a “Yes Woman” without even realizing it? You’re saying ‘yes’ to clients who you know are going to bulldoze right through your boundaries. ‘Yes’ to projects that aren’t in alignment with your business goals. ‘Yes’ to PR opportunities that will require hours of your time without much return for your bottomline. I’ve identified two common business scenarios where I’m almost always tempted to say ‘yes’. But the problem with saying ‘yes’ to someone else is that it usually mean...
Play vs. Passion
June 12, 2019 04:00 - 19 minutes - 21.4 MB“What do you do for fun?” This simple question was asked of me by one of my interviewees in a previous episode. And it’s been throwing me for a loop ever since. I fill my life with lots of activity: running, lifting weights, hanging out with my dog, spending time with family and friends. But all of these things are still connected with some sense of responsibility or obligation. Either to others or to myself. But play… play is freeing. It’s active meditation, something that clears your...
Play vs. Passion
June 11, 2019 22:49“What do you do for fun?” This simple question was asked of me by one of my interviewees in a previous episode. And it’s been throwing me for a loop ever since. I fill my life with lots of activity: running, lifting weights, hanging out with my dog, spending time with family and friends. But all of these things are still connected with some sense of responsibility or obligation. Either to others or to myself. But play… play is freeing. It’s active meditation, something that clears your...
You Can’t Write Off Your Gucci
June 05, 2019 04:00 - 46 minutes - 43.2 MB“Don’t take tax advice from your friend. Just because your friend wrote off something doesn’t mean you can too.” – Ronica Brown Have there been times when you paid for something and wondered: “Can I run this through my business?!” Worse yet, your CPA – whom you thought knew what he/she was doing! – told you that you can write off your Gucci handbag as a “uniform?” Certainly, it may apply in some industries, but you may want to get a second opinion on the type of tax advice you’re getting...
Letting Go of Expectations
May 29, 2019 13:59 - 47 minutes - 48.3 MBKati: “I am so much more confident in who I am now in my thirties.” Helen: “How did you get to that point?” Kati: “Bending over backwards for too many people for too long and realize that it’s not fulfilling. I am getting back in touch with what I foresee for my future.” We can easily get caught up in meeting others’ expectations that we tend to forget our own. And if you let it happen often enough and long enough, you end up forgetting about your goals. Your dreams. And what you ma...
Knowing When It’s Time to Move On
May 22, 2019 04:00 - 43 minutes - 46.8 MBWe catch up with Mary Grace Phillips to see how she's progressed personally and professionally in the first 1.5 years since launching her own business from scratch, Be Well Studio . We’ve been following her progress since the first day she opened her business. (Catch up on her story in Ep 15 and Ep 4) If you ask any business owner, the first two years are the most grueling. It will break you down to your core. Almost every day feels like a battlefield of self-doubt and uncertainty. ...
Did the Most Important Thing Get Done Today?
May 15, 2019 04:00 - 15 minutes - 15.2 MBHow many times have you started the day with “I need to do this. This. This and that”? Then, ending that day with “I didn’t get anything done today" -- feeling completely unaccomplished and overwhelmed with the amount of responsibilities on your plate. I was putting so much pressure on myself that everything was important and urgent resulting in burn out trying to accomplish everything. Realizing that if I carried this on for too much longer, I would lose myself even more. So, I started...
Why I Aspire to Be a Self-Made Woman
May 08, 2019 04:00 - 12 minutes - 12.2 MBWhat does it mean to be self-made? Straight out of the dictionary: “Self made is when someone who acquires her wealth and success on her own and does not inherit or win it. It takes time and persistence to become successful and if you've put in the work then that's declared self made. Someone who comes from some origin - rich or poor, and against all odds, breaks out of her inherited social position, climbs up the social ladder and creates a new identity for herself.” In this episode...
Bad with Money or Just Bad Habits?
May 01, 2019 13:15 - 23 minutes - 22.7 MBThere’s a lot of self shaming when we say to ourselves “I am bad with money.” Money is a resource, so how can you feel bad about a resource? We tend to feel “bad” about money, when how we use it doesn’t yield us the result we expect. Ever bought something and felt guilty about it later? Ever feel like you misused money or wasted it? When we use money in a way that doesn’t get us what we want, we tend to describe ourselves as “being bad with money,” especially if it gets us into debt. T...
Why Are You Working So Hard for That Money?
April 24, 2019 12:52 - 1 hour - 121 MB“I’m not willing to go broke and not enjoy my life. If we are more clear on what brings us joy and work really hard for that, you’re then making a very clear intention for why you’re working so hard for that money." -- Sydia Bell Have you stepped back and asked yourself why you’re working so hard? Why is it that you’re wanting to make more money? Is it really for that house, or car, or vacation? Or have you been working hard to buy things that only fulfill a temporary void, distracting y...
You Can Do More Than Your Mind Thinks
April 17, 2019 18:58 - 24 minutes - 24 MBBorn with Cerebral Palsy, Win Charles defies the odds. Her memoir I, Win is an amazing story of how she remembers her life through the years of having a condition called “CP”. As a competitor in the Kona Ironman Triathlon, CEO of her own jewelry design company, and motivational speaker, Win Charles truly is an inspiration to many. Today, Win Charles tours the country, speaking to schools and institutions to raise awareness about cerebral palsy and living a full life no matter what holds y...
Prioritizing Your Career, Family, and Self
April 10, 2019 04:00 - 34 minutes - 32.2 MBDoes work life balance really exist? Helen sits down with ReShea Balams to answer this question. She runs her own business all while taking care of her two young children as a widow. Where does taking care of herself come into play? Often, we feel so much pressure to grow our businesses as an entrepreneur, be the best parents to our children, be financially successful, and be the best at whatever else society tends to define for us. But ReShea has written her own manual for how to best...
Is Wanting to Make More Money Greedy?
April 03, 2019 18:06 - 45 minutes - 42.9 MBMystery Millennial is back to kick off Season 3! To get caught up on her story, listen to episodes 9 and 19. Catching up with Mystery, we find out what's new in her financial journey -- how she’s navigating towards financial confidence and freedom. Particularly, we challenge the notion of whether making more money makes us greedy. What we tackle in this episode: What it means to be fluid vs rigid with money Defining wealth, its value, and how to claim it How our relationship with...
How Yoga Can Be More Financially Accessible
November 09, 2018 14:16 - 27 minutes - 12.9 MBYoga is not cheap. Some classes can cost $20 a session, and if you want to practice 3 times a week, that’s $260 a month assuming you attend every week, averaging $3,120 a year. Moreover, to become a Yoga instructor can cost upwards of $3,000 or more. That doesn’t even include travel, accommodations, and meals yet. You’re looking closer to a price tag of $4,500 to $5,000 at minimum out of pocket. This traditional business model of yoga has typically favored financially privileged white in...
How Yoga Can Be More Financially Accessible
November 09, 2018 14:16 - 27 minutes - 12.9 MBYoga is not cheap. Some classes can cost $20 a session, and if you want to practice 3 times a week, that’s $260 a month assuming you attend every week, averaging $3,120 a year. Moreover, to become a Yoga instructor can cost upwards of $3,000 or more. That doesn’t even include travel, accommodations, and meals yet. You’re looking closer to a price tag of $4,500 to $5,000 at minimum out of pocket. This traditional business model of yoga has typically favored financially privileged white in...
How to Talk about Debt, Death, and Disability with Your Loved Ones
November 07, 2018 03:53 - 29 minutes - 14.4 MBThe three Ds we all tend to avoid thinking about, much less talk about? Death, Debt, and Disability. They’re extremely uncomfortable topics to talk about but it is oh-so necessary! What happens to your money after you pass away? If your parent or spouse passes away, do you know how to manage their finances to “clean things up?” What if your loved one becomes disabled and you are the one who will have to take care of them physically and financially? It’s not fun to think about the w...
How I Left My 9-5 to Become a Travel Blogger
October 10, 2018 04:00 - 32 minutes - 31.1 MBI’m always fascinated how people make career decisions, especially when it comes to pursuing a lifestyle that is so radically different than the one they’re currently living. Laura Chung was living what seemed to be the high life in NYC, working her high paying private equity job. From the outside, she had the wealth, the family, the friends, and all the things you may traditionally tie with success. On the inside, that “predictable” lifestyle was breaking her down physically and ment...
Designing and Living the Life You Want
October 03, 2018 04:00 - 25 minutes - 26.6 MBHow do you choose the kind of life you want and then design how you’re going to live it? The next question becomes: Where do we even begin to answer that? Kim Bennett and I address both simultaneously in this episode. Our answer: examining our personal failures. In life, we have to fail in order to know what we want, what we’re good at, and what we need to design our own lives -- and do it with intention. What we tackle in this episode: How to capitalize on setbacks & failures tur...
Winning In Life By Doing the Unexpected
September 26, 2018 04:00 - 46 minutes - 46.1 MBYou ever thought to yourself: what would happen if I did something else? Something that you weren’t trained to do in school or use your degree. Perhaps we set those ideas and dreams to the back burner because we’re afraid of being judged by others. Perhaps we will even judge ourselves for being financially irresponsible. In this episode, you’ll meet Awilda Rivera. She went into $100k+ of student loan debt to earn her law degree and ended up not even using it. Instead, she became a Yogi...
Winning In Life By Doing the Unexpected
September 26, 2018 04:00 - 46 minutes - 46.1 MBYou ever thought to yourself: what would happen if I did something else? Something that you weren’t trained to do in school or use your degree. Perhaps we set those ideas and dreams to the back burner because we’re afraid of being judged by others. Perhaps we will even judge ourselves for being financially irresponsible. In this episode, you’ll meet Awilda Rivera. She went into $100k+ of student loan debt to earn her law degree and ended up not even using it. Instead, she became a Yogi...
How Women in High Ranks Beat Income Discrimination
September 19, 2018 04:00 - 33 minutes - 32.8 MBGender discrimination and income disparity is nothing new. We just talk about it more today than in the past. I interview Dr. Rachel Johnson, a woman at the top of the medical hierarchy, about the income disparity and gender biases prevalent in medicine. She shares her personal story of discrimination from her peers and patients. Most assume that she is the nurse and asks for the “real doctor” to treat them. Worst yet, she has to address male colleagues’ assertion that she should leave h...
How Women in High Ranks Beat Income Discrimination
September 19, 2018 04:00 - 33 minutes - 32.8 MBGender discrimination and income disparity is nothing new. We just talk about it more today than in the past. I interview Dr. Rachel Johnson, a woman at the top of the medical hierarchy, about the income disparity and gender biases prevalent in medicine. She shares her personal story of discrimination from her peers and patients. Most assume that she is the nurse and asks for the “real doctor” to treat them. Worst yet, she has to address male colleagues’ assertion that she should leave h...
How Social Media Affects Your Self Worth
September 12, 2018 04:00 - 35 minutes - 35 MBYou ever get slightly jealous when you look at someone’s social media page and see that they have more followers and likes than you? According to Psychology Today, it’s natural to feel this way. There’s such a thing called Social Comparison Theory . It states that “we determine our own social and personal worth based on how we stack up against others we perceive as somehow faring better or worse.” Social media is great in that it keep us so closely connected to our loved ones -- alway...
I Feel Brand New. I Paid Off All My Debt
September 05, 2018 17:38 - 39 minutes - 41.1 MBIn this episode, we catch up with Mystery Millennial. She was on Episode 9, talking about her love-hate relationship with money. In just 3 months since that episode launched, she paid off more than $15,000 of debt! Feeling financially liberated, Mystery shares how she managed to pay off that much debt in a short time and how her life completely turned around because of it. Did she finally treat herself to that $75 yoga mat for meeting such a major milestone? Have a listen to find out. ...
I Feel Brand New. I Paid Off All My Debt
September 05, 2018 17:38 - 39 minutes - 41.1 MBIn this episode, we catch up with Mystery Millennial. She was on Episode 9, talking about her love-hate relationship with money. In just 3 months since that episode launched, she paid off more than $15,000 of debt! Feeling financially liberated, Mystery shares how she managed to pay off that much debt in a short time and how her life completely turned around because of it. Did she finally treat herself to that $75 yoga mat for meeting such a major milestone? Have a listen to find out. ...
The Toughest Part of Being an Entrepreneur
August 29, 2018 04:00 - 23 minutes - 23.4 MBWhen you scroll through IG feeds these days, it seems almost everybody's a CEO, Founder, or Entrepreneur of sorts. But let's pause to ask an important question... "Are they really?”⠀ Using social media as a megaphone, anybody can call themselves an entrepreneur... but the reality is that not just anybody and everybody can BE an Entrepreneur. ⠀ ⠀ Owning a business is a full time responsibility. And there's a huge difference between a side-hustler and a full-time hustler. In this epi...
Following Your Passion Doesn’t Always Lead to Profits
August 22, 2018 17:12 - 23 minutes - 22.8 MBThere’s a difference between pursuing your passion and actually being able to turn it into a business that makes money to sustain your lifestyle. That’s why many people who go all in pursuing their passion get disappointed in themselves. They stop doing what they love because they didn’t know how to make money doing it. Don’t get your dreams crushed without first building a plan of pursuit. Let’s not continue to give ourselves false hope that just because we have a passion for something, t...
Removing Toxic Influencers from My Life
August 15, 2018 14:51 - 18 minutes - 19.5 MBWho we surround ourselves with either raise or lower our standards. We don’t become great on our own. The people around us who make us even better than who we think we are, they’re the ones who genuinely have us in their best intentions, always wanting to uplift our spirits. But also being the toughest on us when we need a reality check. So, the people who surround you: are they raising your standards and challenging you to become the best version of yourself? If we are who we surround o...
Removing Toxic Influencers from My Life
August 15, 2018 14:51Who we surround ourselves with either raise or lower our standards. We don’t become great on our own. The people around us who make us even better than who we think we are, they’re the ones who genuinely have us in their best intentions, always wanting to uplift our spirits. But also being the toughest on us when we need a reality check. So, the people who surround you: are they raising your standards and challenging you to become the best version of yourself? If we are who we surround o...
What You Think You Have vs. What Actually Is
August 08, 2018 04:00 - 35 minutes - 64.8 MBThere's never a dull moment as a business owner. It's easy to get caught up in the day to day activities like serving customers, managing your team, paying vendors & employees, and so much more - that we can lose sight of the big picture. You may remember my guest, Mary Grace - founder of Be Well Studio, who launched her yoga and pilates wellness studio earlier this year. It's been three months since we last checked in with her. And boy, has her and her business come a long way. ...
Overcoming Financial Self-shaming & Guilt
August 01, 2018 02:37 - 41 minutes - 76 MBHave you ever felt guilty about spending money on yourself? As if, you don’t deserve to buy that “one thing?" What we tell ourselves we deserve financially is shaped by our upbringing and childhood. In this week’s podcast episode, my client, J, and I explore this experience. What we grew up with, has so much influence on who we become… all the way down to how we spend money and what we tell ourselves. Growing up in poverty, J shares her personal story of how she was constantly told b...
How to Become Financially Independent
July 25, 2018 01:00 - 38 minutes - 39.8 MBLive to work, or work to live? Either way, being financially independent - and not relying on your next paycheck or your “emergency” savings - is a goal well-worth striving for. Having the financial freedom to remove money as a concern, and just go about living your life is a powerful thing. And, thankfully, it isn’t something that’s just reserved for folks in the 60+ club with a successful retirement plan. My guest, Kiki Roeder, is proof of this. She’s in her early 30s and already f...