Why Smart Women Still Struggle With Money (It’s Not What You Think)

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Why do smart women still struggle with money? In this episode of the So She Slays Podcast, financial advisor Hilary Hendershott explains why money isn’t a math problem, it’s a mindset and systems problem.

Money stress, overspending, debt, and feeling behind financially are incredibly common, especially for women who were never taught how money actually works. In this conversation, we break down money psychology, childhood money beliefs, why affirmations alone don’t work, and the practical systems that actually help women build financial security and long-term wealth.

This is a no-woo, action-driven episode about rewiring your relationship with money, creating automated money systems, and taking control of your financial future — without shame.

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00:00 Why smart women struggle with money
01:49 Advising millionaires while broke
04:08 The BMW moment that changed everything
09:11 Why money isn’t a math problem
13:27 Childhood money beliefs explained
15:07 Why money burns a hole in your pocket
18:02 Why affirmations don’t work
22:14 The automation system that replaces budgeting
30:18 Choose your pain: discipline or regret
31:15 The first real step to wealth
44:24 One sentence every woman needs to hear about money

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