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Natalie Windle

[WINii] Reaching New Heights

---------- Forwarded message ---------
From: Minki from WINii <winii@mail.beehiiv.com>
Date: Sun, Jan 28, 2024 at 10:01 AM
Subject: [WINii] Reaching New Heights
To: nataliewindle@gmail.com <nataliewindle@gmail.com>


Plus, how to think about financial independence.
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January 28, 2024   |   Read Online
<https://link.mail.beehiiv.com/ss/c/C_NHRebYaSznwBoKIxdOS8fI9m88C-v-yEP7ZBvJq7XH32Fwr949ePNqfO_5JB9-2KXYn3YVkH52lI0JeKeJa1R-Skzp-iWX3IfZA7_lIndExU6V-CR3D1NJJiFiZlATyJkoHcxfSC8jJX23-OMG3U9nznkxvAe8ZOXexyWZNzWhhRyLZZ2L6a8wYxu4wbjG6RsjnySVjuC6b9_2-PbfslgCUAGX2VzuxrGl-5mhNkpOkWBDFNIHXFXZHGMg9CRA0kshKCslHDzvGZmRPGwDnvAN5V0hDCuZV4cVHsnEgwcYJ0EJ-TbDovKnmRFvFNNFnuO2IxTbq8_PE7xav_eiYuP8DVqDtvM8S_4nByffxOoGxOTILl8db2w09hvGv1DoulTPi178Rs6y-LUzxziU9t60XToxqaxUqx5ASS6866usM31px9vCaGCqQRYniB-ohLs5HAqfnwM61xj-H_j7st8lwuxgNDB2IY1XBiwovmVLU4ujLVSr0UQMqIqdmUTeXTbDBYxrgxMnPLAsjdCb1M4LeKamffG84oBduC5vhEYEmCfiMpmGNBjy-M8D0bSqvzZLcOutrgz8jH_9cB_UghUfkVM8JTf6oN-Wm_N4svZeTxhERgMKu_IqzWx0sxlN/43d/c_4Nv5HHRWaZeGZc_4NikQ/h0/YAxw8fNBUKeDCmrK6HgiyqxNuncIWKPjkfTVtq6G4cM>
[WINii] Reaching New Heights

Plus, how to think about financial independence.
[image: fb]
<https://link.mail.beehiiv.com/ss/c/C_NHRebYaSznwBoKIxdOS9jYtvjf_IeYwuMtGL9za76vDsyKad7zAcB_1ngW5RKTPNNfjptNeUmA4oUMzVG0tg4rIYO1_n6xMCZqDYwW9XVAhIhKlDY1Xp4nup87014NLTBt7YDgz9RjntHVVEqXoom7IpPqvsMIq2-fYMUKf5J2-6bO4fgH6InoQZuKCmcOpNgOB1Wiogl2vcWWU0BSSeOWR2iSmnSChoejpqFbA5Pccwh6VokL_ieGpLm3K8V7vNE7c9XZ5MaDBC7z5OFhEg/43d/c_4Nv5HHRWaZeGZc_4NikQ/h1/N9neJM6PQI1wA2W504A8cucCzu4scd5yY7rD_RAWqwE>
  [image: tw]
<https://link.mail.beehiiv.com/ss/c/_Mg4Xp3yzIqoSLEVT74h6yVo6-SkeXEvRvkYKsUXVxbK_JfvhjFdHwfgCMIFshcSbrXRtGe-AJSmbSMtzpDsUGMzb1ljYPIZfWC6EME7SwJPJTb_kwDYNDgp-MgTVBle2ILJwP6y2j6Bpto2U4hnkop-FElNymJEuTXyu-IvpJu9cBRpsOEZ1l746D-0GpnqX_nwOirKECZxngSmsFTHmwyb5vJ8ug9oztJjEbJPPWLn4ukOGAw_iAhDmNA5utFOZj3kuju3OXaryMcGTSEUvGrPe5eY1YYCdGpSHyjaw4c7gJtfQ0E777erUr7g3cw0kPQVrTZmaBhIPWusJ81lmw/43d/c_4Nv5HHRWaZeGZc_4NikQ/h2/WY4FRLkFqrJdJE1jSQmO3yLveHXHJ7w9gHJmdXbo7-A>
  [image: in]
<https://link.mail.beehiiv.com/ss/c/C_NHRebYaSznwBoKIxdOS8uOTL_EKqjCLHR1VGoKnXE217SUU1YzQNotZqzz795zfG7chHj234dYHNSETRhXhInzhMRNEw2ewsjxe_VZTJ2lALbOnnRolb4ytvl00pA6ssieoUY5mhSxAkBeFEOZ6L6jYbm4RCNxc9vs6Mj4uezX-AWpNpIO_vQqvzYSyy_l6kha4RlstdAICl5nLoXOO4WXacqp2voJpq8B2U4n_poG2qtzPQKH_LHU4Z_1H1Kg3t4T23sbIa-Hm_HrULdFNT-O8Qzr16rurNLhQgw3uQE/43d/c_4Nv5HHRWaZeGZc_4NikQ/h3/6NNahFiqZxc07Hw7_ugMEyz8p4YbZn8Jzo9ZSW3KP8E>
  [image: email]
<?subject=Post%20from%20WINii%27s%20MoneyBites&body=%5BWINii%5D%20Reaching%20New%20Heights%3A%20Plus%2C%20how%20to%20think%20about%20financial%20independence.%0A%0Ahttps%3A%2F%2Fwinii.beehiiv.com%2Fp%2Fwinii-reaching-new-heights>

Hi Natalie!

This edition of our newsletter covers aspirations and reaching new heights
- whether that be in the stock market, or women completely pivoting their
careers.

Here we go! 🤩

💲 Financial Independence - Know Your Why

This past Sunday, we held WINii’s Q1 2024 webinar on setting financial
goals for the new year and creating a working budget.

We started off by reflecting on our “why” - why are we proactively working
on our personal finances? What would financial independence
<https://link.mail.beehiiv.com/ss/c/C_NHRebYaSznwBoKIxdOSy8ZjoABJnXHPtZ99MoUrYQpK1GhR8b1R_O5RCDal0fBfdaa1nwP0cLIeGw_ule0T6CPdmBg0PH7sD8TqNS--MAcAae3x1Umhr0x3EwvwlhdJPuHquXFpbVQ41B963N68506OgT33s31n60u9DNHN7GARS30ONWr8nfoTjOjNeEk7YtekHT8YYkLzi0G5ww3Rld64SNxqxQwYWioduoVUCc/43d/c_4Nv5HHRWaZeGZc_4NikQ/h4/bMLKTeGm5VRoVE-Mom1uBS8ZS5ozH2FypYrLJP00qsU>
would look like for us?

Financial independence is when you have enough passive income, or
liquidity, to not have to depend on a salary to fund your lifestyle. To
find your own financial independence numbers, you need to answer two
questions:

1. How much would you need to reach financial independence?

2. At financial independence, if money is no longer the main driver, how
would you spend your time? With whom? Where? Doing what? What is your why?

Our answers to question #2 are particularly important as our lives expand.

As you can see from this graphic, we are no longer our parent’s generation
who remained at the same job throughout their entire career. Our generation
has an expected longer life span, which may need to embody multiple career
pivots. It also means we have more time to find fulfillment.

If how we work changes, so should our financial plans. Instead of working
hard for four decades to enjoy the last two decades of life in retirement,
we may take a sabbatical, work part time, or change careers entirely as we
reach new life stages.

Your financial independence number is in a way your safety net to
experiment different paths.

Here is a simple chart to calculate your FI number:

Why 2.7% may be a more realistic withdrawal rate for retirement:
[image: YouTube video by Ben Felix]
<https://link.mail.beehiiv.com/ss/c/C_NHRebYaSznwBoKIxdOSwQlTccJu4CLGnFustgNMCrs0oujjXJQ5m0xkkN9oWtcirU-egaPyzn9pi8-9U5XilnYp0io3VdvU39c3pB1WGMpwR7O4Qt1-KDXU4i05Skx8DU3R1H5M2hO1nmusCcfwOvf5Uab0wGP9gu8-QWs8N-s2McRwVepI-_6c-T32ynQ/43d/c_4Nv5HHRWaZeGZc_4NikQ/h6/V_mPZjKlKbntsBu5FNic3WqiHDOXjR9f-V9UiUH1yMM>

The 2.7% Rule for Retirement Spending
<https://link.mail.beehiiv.com/ss/c/C_NHRebYaSznwBoKIxdOSwQlTccJu4CLGnFustgNMCrs0oujjXJQ5m0xkkN9oWtcirU-egaPyzn9pi8-9U5XilnYp0io3VdvU39c3pB1WGMpwR7O4Qt1-KDXU4i05Skx8DU3R1H5M2hO1nmusCcfwOvf5Uab0wGP9gu8-QWs8N-s2McRwVepI-_6c-T32ynQ/43d/c_4Nv5HHRWaZeGZc_4NikQ/h5/7dFedpmuH0hABgqrmwD22zSxthn3fW0HyCl6vD1j2IU>

⛰️ Such Great Heights

This week, we watched the stock market soar to new heights
<https://link.mail.beehiiv.com/ss/c/C_NHRebYaSznwBoKIxdOSymeA3Snf1t26KXQSXJO4oQmllqOhY6d3_MDZTafy7cFegnn4pADZFU98O9ptXI681ntJyE1oEm5EuTbm0ijbtE8K-QE8E8ROV57jKvv4Vr97aufJiHWNwaXvETin74NXJBsiO8MIg9CsYIq-S2mE-goMxPy3BCdNZxk-oUbWF-BDXM_sxPISLTpx9N2KwZTqftg2czRj3WBVEOjZ1KwDQIwCEIMl1XYCXBrlrZxGZHT/43d/c_4Nv5HHRWaZeGZc_4NikQ/h7/97xnZpeH-Bm1zuFr6cd8eLzRmd9O_DJWBR24tJVk1jI>.
The S&P 500 reached a new high and the Dow climbed to set a new record
above 38,000.

But does this mean the market is overvalued? Should we expect a market drop
as a result? Not quite.

Behind the scenes, much of the stock market's valuation is driven by
companies known as the Magnificent 7
<https://link.mail.beehiiv.com/ss/c/C_NHRebYaSznwBoKIxdOS0ivs6oZOuqC_sZGDTQTcfyE0GS7H16ZEQsbei9lxs1wJ_ZUwcKwWQ1YE4ZCFyQARWnJbSx8_TMhErHO8v2YG62Zkh1mG5jjxkRZTAqn7Av39Ha2wlWva1KNTxMf9Dfc-IvrIGkN_s6D5I22o_zr0jxioUrq9CJ9zFZAOmuEhm8idNDhtQ1KQw-PihwVJmdemrCWfhf2vqeedO5ixRU3F1WwU01pdei3vBSm8NYaeoB4/43d/c_4Nv5HHRWaZeGZc_4NikQ/h8/bHJiZoFnccmOeNacl9fHqzOZwWTVO6zdRoGM-kJFEUs>:
Apple, Microsoft, Google's parent company Alphabet, Amazon, Nvidia, Meta
Platforms, and Tesla.

📣 Weekly Poll
How are you reacting to the market?

Not paying attention to the news. Staying the course through steady market
investment.
<https://link.mail.beehiiv.com/ss/c/C_NHRebYaSznwBoKIxdOS8fI9m88C-v-yEP7ZBvJq7U49G0hlfT-8DQMrh2k-oE8Xs1QZvxrXN9Q_DVmc008EaolhxNxDleoKbEPDkEFWX58XzSVZ151zq14G6BCOOxPoTFU9z8v9R4_vkx5-D64xnI2YtII1n97ZbOCAWkuMGSc0aY8K0D5nY_UvdWu44vpyq5KQbe4HtJ-pg49jYykiTU9ZdSGzF46NuJJ96xEH5cDUhLaL8spVK_b_r8Kktcwz5OX8og-Ngjy01LksZ9_DRtZrW7znhuYwaIJd4wyS5rOaq5deLwbU9dy2ji0Dy7nOjMcW1bbQF5Ahbo-ackaIJrMtb87SY2LccGmv8J-5DRP94vHXbJaQcNQstfCS5dOBq_MiSzNCqtDnXG9hm3YeGjc5gIgR2pEOOUpGhzCwcRqBG20EriiIV7fMzivldf_e3YSzmmm_Y0vmyE2Y4KEpi-tErthYcLWMrCJ-4a_6oEGb8xHDwS9QpLBbDtpnkCEqVDMHOGC8yri8NMyTiSYKEd9T3merzo7uw0ZHRTaMUkPhq8ensggn9m437cit7jXBaBg21pshcv8ODjwNdeMIGHEd9h6S9lWfxx8Uvv1XiLASGNOh3PbcNB5aAFHVe9qW_4FcKh3jfdOVPdTA7psRYsBMdYtUlIRoShFit0G6SJmYHtgcD4Xz3Hxq91FkoQW/43d/c_4Nv5HHRWaZeGZc_4NikQ/h9/57Unsi7Ii_Wghaq_YHDYEEy5OyKVMhmKOWYfyh9jGJE>

Market is too hot - selling/reallocating my portfolio.
<https://link.mail.beehiiv.com/ss/c/C_NHRebYaSznwBoKIxdOS8fI9m88C-v-yEP7ZBvJq7U49G0hlfT-8DQMrh2k-oE8Xs1QZvxrXN9Q_DVmc008EaolhxNxDleoKbEPDkEFWX4ArD2WFRmawAPPR_FYspuEvUFx2C3kz9pur6yjPJsyUSNaVUexUy61_q_97AdpFAkqw8cXd0pQ0TfoX8P0ACTnDe_U0BBF9gMnuGK5wzhrAuYP9LLHnwR9abZ4Fe4SpwRkMTKXG9WktZB5nDF8XU0ARpy2Gwc5dB1Kuo25wCwUZ7FUbijkMBNi5041rttn4JTc2fF-zTRdypCi7wteT1LPU_cgynMrWU0ufbnCLu_4q2pW-PKmDvWuy_2NVNpZA5CLw_bysbcIUJQqCE86HJDLHHoqet0lGaEolXRDNUvh8RmVJn2hDV5W_Ad-RxzXxyue_S6dLohmo1YgpSDzAoonJcJnbbRuG8x1SkJ6C9TFTw9APZYJsmzP14LjM6ECwwl4eTdlRB5IrBdvZlQ8hyGKtKhknNda4GIHk2sJKw-zPHW5xTlDSHQ4xqkmoVr3qCKqumV8XXeb_zbnJl5ICD4L2ii7XBy9GFTWArSAH89Y0SoiJW0tBHWzEZCd0PF4fGF9GAYML23jVj_EEmiS9hgmGu1JcV5qsDnuKshk4wws8wdhinVj2nGocZTYj58h7HjnpeztZAQQg7jVmQMVYFY8/43d/c_4Nv5HHRWaZeGZc_4NikQ/h10/XTC0nidAccIpXMxOcG_dZ2SVTtoeUse7jMnIlzi803g>

Market too volatile - keeping a high cash position.
<https://link.mail.beehiiv.com/ss/c/C_NHRebYaSznwBoKIxdOS8fI9m88C-v-yEP7ZBvJq7U49G0hlfT-8DQMrh2k-oE8Xs1QZvxrXN9Q_DVmc008EaolhxNxDleoKbEPDkEFWX6XAWORHr8hBZfl9uUBmHJaC1bIlOeQuduxM5Y4f7PzvhY3xEJHnqFITvcwXUwmfGDfXsHES9cBJY5pg-NYbDu2i51xQmMiVe4RzLjkF27nFvG5t5ETJ6GfgKgaNmSFD6z93dpeKCaeDJ9dqYtbqkzleqsXbgXGYNv9xhpkotdJ4PXTaMC87CMe1WyHS_k5j7Rx-miyLFkU8oKem4fBd4qzvBjzMmT8iHHStsl_H0uVhqJENNFN0_CGfVdbfoZGyzTpTsEp9ppsRYyr1hs7s4PuuOW9QyJh_JsL0GiFhwdXH92EmzPou3Yz8YHPCxXTxhSff5n2CHqoL5NlBI7aDMkSewm1fKAxaHmi9YdK4-XvYYq78iorlA38X_3yuWVYYu9X1XfDgVInyGc_OArad_Cp8QqH0mDMKyDGegxBMQ0e8wgcyRHkxde73MOltpnrBhA5gAfB1oj-oWDJ-Nz1eYzvXzLZC_0KgHEI1EhfHgYLnSeVrRak486kO5ckRnDDMYLl_O32mri_ZCiifBxbT2OJN_y3RPjwvmjJZHlxEuhfVzAK8KfiN0V0OT8qIy_9xOw2UkLpnZJG4Y2oVbI0aF8i/43d/c_4Nv5HHRWaZeGZc_4NikQ/h11/r07TGSFbUg_yAVyWP8cLpOh6VMJGIzTjzU10F5Bslf4>

*Last week's results*

In last week's newsletter, we asked if you were on the AI train, whether
that be in your career, investments, or something else. 🤖

Most WINers that responded said they invest in AI-related companies or
ETFs. Others said they're still kickin' it old school and aren't into AI at
all! Super interesting signal given the majority of our community are women
in tech.

💫 Pivoting Careers in Uncertainty

Continuing the theme of charting new territories, sharing our podcasts from
two women who upended their lives for complete career pivots! 🥇

Paige switched careers after realizing a physical therapist would make less
than working at Starbucks:
[image: YouTube video by WINii: MoneyBites]
<https://link.mail.beehiiv.com/ss/c/o5M-BiCHKn5rKluxsCSfaa4RSpEPj3Gx861CHTUnxAa4BX7ChJAdg2Nx20QuSzJ4RfEf0eVc-lhMsYJXvtUlTwkU4gRwZQT-hc6Y9tdGHpw0UbtuN69pVxQMEd3qsBPasGtUYViffcI-vBZcu4fAL0Yf1fZ8x4IuG-RZShwY0DX9T5bfyyHZttlesqAJC6BIdMJ3a0A9ZJ5z7mNE9aCBMw/43d/c_4Nv5HHRWaZeGZc_4NikQ/h13/SvTaaGIDZnq57UXA43TY1d_USWSP4CiohXjkMsh7Vtk>

Switching from healthcare to tech to x2 salary w/ Paige Hutsell (Product
Specialist)
<https://link.mail.beehiiv.com/ss/c/o5M-BiCHKn5rKluxsCSfaa4RSpEPj3Gx861CHTUnxAa4BX7ChJAdg2Nx20QuSzJ4RfEf0eVc-lhMsYJXvtUlTwkU4gRwZQT-hc6Y9tdGHpw0UbtuN69pVxQMEd3qsBPasGtUYViffcI-vBZcu4fAL0Yf1fZ8x4IuG-RZShwY0DX9T5bfyyHZttlesqAJC6BIdMJ3a0A9ZJ5z7mNE9aCBMw/43d/c_4Nv5HHRWaZeGZc_4NikQ/h12/P6uIDDiScjin6tcPWDEskSJt19PcM5lnAzn3_tHOBdw>

🎧 Listen on Spotify
<https://link.mail.beehiiv.com/ss/c/2VUYNEgHumP927Z64zK-cRv_Rq4R5MIAOH9HqL0evFf_tp5YqPgmgVmc5x3Rvs-t2Lep2ft02l5X2ALwy8bX-3XIMAPmP3ehP5iGyOLmKknq-d2UrzzdG5cpBWKyizwZt8lATbjR4a8TzxHIW43h1BsUoaL5YS7I74QaCiSi4bvCwwV1TEWRaEWOo1u7AnchWF6HZAKdK1IYLGueLjVcKw/43d/c_4Nv5HHRWaZeGZc_4NikQ/h14/LTFDQS0a20zqrqL-IvUC4JSIK0Cwvum6pxK6hyDTPQc>

Marion had a thriving career in Paris, but gave it all up to plunge into a
new city (New York) without anything lined up. Through networking, she
entered a new industry (venture capital).
[image: YouTube video by WINii: MoneyBites]
<https://link.mail.beehiiv.com/ss/c/o5M-BiCHKn5rKluxsCSfaaa164o32BL-QtT_sZcKWic1CWiym8ycJ-zSJW7MVQJ8CivtUYQnyGu76_vCd6cZGKnu-NjddLVyIfbiHxdbC5EbmsnPxiFeZdc2_c_vzVy5JASsn7wtDGV5cYPg3Zd6F1Y5iuuk3qAfoLahoCPshY-JNnBbZQERpfTQlQArczbjaZZ2mTdRzXcmXCzvoD-LdA/43d/c_4Nv5HHRWaZeGZc_4NikQ/h16/mFsAXNZKmgCFJDyJnIHEDVtKN__qah2we3noa-gl62A>

How to network to get a job in tech w/ Marion Siboni (Director of
Partnership @techstarsglobal)
<https://link.mail.beehiiv.com/ss/c/o5M-BiCHKn5rKluxsCSfaaa164o32BL-QtT_sZcKWic1CWiym8ycJ-zSJW7MVQJ8CivtUYQnyGu76_vCd6cZGKnu-NjddLVyIfbiHxdbC5EbmsnPxiFeZdc2_c_vzVy5JASsn7wtDGV5cYPg3Zd6F1Y5iuuk3qAfoLahoCPshY-JNnBbZQERpfTQlQArczbjaZZ2mTdRzXcmXCzvoD-LdA/43d/c_4Nv5HHRWaZeGZc_4NikQ/h15/LFdGWkahA8LfFmLIJ9S5FaDN193CCDpPVIB1-P_AVuk>

🎧 Listen on Spotify
<https://link.mail.beehiiv.com/ss/c/2VUYNEgHumP927Z64zK-cRv_Rq4R5MIAOH9HqL0evFdHxJtga-NMXH1XKl6xTA_af8IBpfpOHlnxWvFA9fI6UT36iWflPI1cySee23VwAGxYO-kW7ynKPz0WxMUlyhM58vhUQ1GnINwJzq-uoXwUJLKZnD6sli--qLRInSRG_nVKcHBzVeTHaHT3nIY333BJu3ydb4tsFbm3nCLJwuRUDA/43d/c_4Nv5HHRWaZeGZc_4NikQ/h17/FgJljrNCvVrqmSX49QVJf-dvP-0qZ_oBGF54Q31Yuzo>


Have a wonderful week ahead!

*Minki*
*Founder, **WINii
<https://link.mail.beehiiv.com/ss/c/C_NHRebYaSznwBoKIxdOS2BchmSHj_nTNUUcWAvQvHkDydK13bMbd5sPloCIk_5Tt1ipGZ7xwiGfA5_adu5uUlgbkTykF27ERTCBlLmNQkktfsjPiVpaNg0eOfzzvFE1AIbupOdz33nCzvNQ7t3uJElEEyYqd03c2fzVb0LkS5Q/43d/c_4Nv5HHRWaZeGZc_4NikQ/h18/kElbn8AUvTgbCvHpSIquwn106e-0G6pKh4osxZ_VSbk>*


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