[WINii] How does your net worth compare?---------- Forwarded message --------- From: Minki from WINii <winii@mail.beehiiv.com> Date: Sun, Feb 25, 2024 at 1:48 PM Subject: [WINii] How does your net worth compare? To: nataliewindle@gmail.com <nataliewindle@gmail.com> Plus, one woman's journey from art to tech February 25, 2024 | Read Online <https://link.mail.beehiiv.com/ss/c/C_NHRebYaSznwBoKIxdOS8fI9m88C-v-yEP7ZBvJq7W3n09orxlCqammirBxDIcTsJqV960sZFL0e3br1Baoh-7t2RG4qjPJ5GfkukmOSdHEqFk2TMkksy9JQBiFYd2RblieN_tQpwNsRVuN8fPt7Ov86fohSQ93NqaTfD10Vb8kd3cCXqp957mDdyaPEmoxDfMbd7CL2EG3QuAhQ0XZkIuEl8lli5UMza96QV4WMESdkiu-dEBtwgdDxnoL7MeaXDd-u-q_fTXYRlLf8e-dKW3K-VSeoEm2OeayReFBK3XbpR-S2QLf8THRxIICz3Bacm550Pls3bSQdO1m9dEbfZWN9K3HfPEGcwbZn32Kbu9XvEjyDn-7gJBpZKwB8ESaIDOPuWRYBLu0URGVwJ1ErlbvxYoamISxZ_D7CuqvOo6UzhgjcNxzO9tYJ3uyRcQGWkbnNuiFQ0peCWwOLnrZmPmt5T31-UIHc9pzwvJ2kAVbhvuqeKnKDA36MeVtqHD_OqLghxDL7OTE1gOS8lrNlu45Mo8clRT31948DU9sUUnk_fJjKPmFNYyAAgCFwYvI0Ldc4sYXUrhreoUblGDyT_GLDysvePkp2pIDZUDF0YBaqXbg5P0Dd7WefFfyR0A9/445/yI1xV0h4Q76vRVou60yaCQ/h0/PKhh-wpuSH_ctKmz3vThKpQt52_g9tAOrY0sP-WOe_k> [WINii] How does your net worth compare? Plus, one woman's journey from art to tech [image: fb] <https://link.mail.beehiiv.com/ss/c/C_NHRebYaSznwBoKIxdOS9jYtvjf_IeYwuMtGL9za76vDsyKad7zAcB_1ngW5RKTPNNfjptNeUmA4oUMzVG0tg4rIYO1_n6xMCZqDYwW9XVAhIhKlDY1Xp4nup87014NSsHMrO-RNGJcMsfEj15XEjkcbXOmXMo8NxZTaNsKX8DwArqBFhYfLCxP9a85FM0i7YVktTr1rqSWepc4xBYW1iRoLmDM8mWZ7hlhupQpzw4q1qpqG-vVPwnuCe18uVNkwjcsIgUIujiUgdSN-TgSb8DSQFjnqUegEFoqKMdjsCM/445/yI1xV0h4Q76vRVou60yaCQ/h1/d8RU3zz0oWZ-ggKheUaHEwwwa0ysczMovYtPCBKxQS4> [image: tw] <https://link.mail.beehiiv.com/ss/c/_Mg4Xp3yzIqoSLEVT74h6yVo6-SkeXEvRvkYKsUXVxbK_JfvhjFdHwfgCMIFshcSMiwD5awZcStGlZhALYsWo1my13kL5790wdcdcX2eBobx0it6AFHf8MBadpZEbYVWnh3N5c1cBIbxRwaJZ3Xc60rXIMTDoH6VBLjBL5idML9Oq9YyXFQUcy5XpkVG8rDeSsYrleMlaZqnbFXebPYVih3c80DFXSHbWlQIHS_5fyE4T4-6lBXbsQhfagydTw6LR3wv0NtxyxH1SRG59GFv21a7X8-Ut0n0QVNEUfFXB6YpNbzuiUC9dBu6LrjIG9oTKlUo0uEAOUdo7zdk3YDogWflWVM6iBwYLFbwC_gVvPM/445/yI1xV0h4Q76vRVou60yaCQ/h2/NKltXqXZ6MIF6RDmzR2X4ZHmd90SrzUQCVPPg8DEvLA> [image: in] <https://link.mail.beehiiv.com/ss/c/C_NHRebYaSznwBoKIxdOS8uOTL_EKqjCLHR1VGoKnXE217SUU1YzQNotZqzz795zfG7chHj234dYHNSETRhXhInzhMRNEw2ewsjxe_VZTJ2lALbOnnRolb4ytvl00pA6TXuUFxTDx3BfPuvzhaiMqECu0y2ZtGjsY32V6ySop5gg1MCy9_xVNrzS85JA3N38RuYSVoN1YLi3pF26VsfwhFiGZ8spWw5ganX2eWazzT8viye9eJu5RyGku7Hka9TpGg19qAR8rcAIpE8n8HZItDIpOqypuHDVXR-BPbwdCtY/445/yI1xV0h4Q76vRVou60yaCQ/h3/jmHp_VSYJcd0JSzuF_O6dtPM1YsUPPolEXSYV-Hh5s8> [image: email] <?subject=Post%20from%20WINii%27s%20MoneyBites&body=%5BWINii%5D%20How%20does%20your%20net%20worth%20compare%3F%3A%20Plus%2C%20one%20woman%27s%20journey%20from%20art%20to%20tech%0A%0Ahttps%3A%2F%2Fwinii.beehiiv.com%2Fp%2Fwinii-net-worth-compare> Hi Natalie! Ever wonder how your net worth compares? Let’s talk transparently about money. You also get to hear why one woman traded an artistic career for the world of tech. Ready to jump in? ⏬ 🎨 From Art to Tech Stephanie Skuzenski is a senior manager at Johnson & Johnson. She has a brilliant mind that works in different ways. Stephanie's ability to recognize repeatable patterns and her love of efficiency propelled her from pursuing a career as a textile design artist to a system designer in tech. I particularly enjoyed our discussion on different career motivations and satisfactions throughout the various stages of life, such as switching back from manager to IC for better fulfillment.* For manager in our community, do you ever think of switching back?* Watch the episode here! ⏬ [image: YouTube video by WINii: MoneyBites] <https://link.mail.beehiiv.com/ss/c/C_NHRebYaSznwBoKIxdOSwQlTccJu4CLGnFustgNMCpYKaaE85o2N4CVKidwk1Qk--ZOCs3JjucfM_qd2qK65Jr0xJKfzhQdngM1QBnNraWeqbjlmHn8UfLJJSp51jaK3QTuUHQufQC7-XrhYcqnv_TMWrHjyZOdgFPqLo06__f5R8crQve5mNbPi7tiehGZCFLf2rd9s705HNfIUr7Ttw/445/yI1xV0h4Q76vRVou60yaCQ/h5/ytb_t-n-2DO-3g8A1qDeuiS-_ugqaxkDmFggady6n18> How I became a system designer in tech w/ Stephanie Skuzenski (@jnj ) <https://link.mail.beehiiv.com/ss/c/C_NHRebYaSznwBoKIxdOSwQlTccJu4CLGnFustgNMCpYKaaE85o2N4CVKidwk1Qk--ZOCs3JjucfM_qd2qK65Jr0xJKfzhQdngM1QBnNraWeqbjlmHn8UfLJJSp51jaK3QTuUHQufQC7-XrhYcqnv_TMWrHjyZOdgFPqLo06__f5R8crQve5mNbPi7tiehGZCFLf2rd9s705HNfIUr7Ttw/445/yI1xV0h4Q76vRVou60yaCQ/h4/54jdx_2Q0c1-Ap2lZM33fB4Zbruf1MF_obej4DH_EKY> 🎧 Listen on Spotify <https://link.mail.beehiiv.com/ss/c/2VUYNEgHumP927Z64zK-cRv_Rq4R5MIAOH9HqL0evFdFr1l2VNJBkDIb5qlV2lxFtb2KzhtTUCU7cu_ke7l3jZas8UZWgAqXj0-qbPn_P9Zv1zdjDebUzd8icv5tZUSL4663PkljJ-ObKFvjARkNsazS5oOHveHvdedH_VY4tHMsBN_opIes2sZ8a_K1Gsmhn-MLZVur2HgZyExunD5K_s-y3PiHhBf57eyvBcNRUTc/445/yI1xV0h4Q76vRVou60yaCQ/h6/R1pN8Jg1sHSMNdFY0L0pFZsc-UnfKv2YDMgusvKmOtw> Next WINii podcast guest? Is there an exceptional female colleague, mentor, or C suite in tech that you admire? Would you like to see her on WINii’s podcast? If so, who is she and what’s one burning question you would ask? Send your feedback here! 👇 Who would you recommend? <https://link.mail.beehiiv.com/ss/c/XjwtajtLu04Ants1gAQFMwM7arxC0dEmeFNXeg1hk9O3FMoZT8P9_cVPj6W71fO_ntdmBphlRlIax7-iRBRTa4sbAbkErsWkomxl0EHmJ__CBPujB1Qa9SQLN1MnFeIvhorMJOalFJZbpDBKwWAAeFsIV0AytxIGFDdLn9Pt1xK4M-y_u8gzIhnp9C_iVOwarsulbxEEGcBttKyOIFKqEw/445/yI1xV0h4Q76vRVou60yaCQ/h7/0KVOVUCfG7zNacm32FUKTo8CDJBzNYAAid-8aPYHcqU> 💵 How Do You Stack Up? Do you get excited about seeing your net worth grow? I check my net worth tracking app every few weeks just to see how I’m doing. I like seeing the upward direction of my graph. Some WINers mentioned they emotionally equate their net worth with their savings account. It’s what feels tangible. While they invest into their 401ks, retirement feels so far away. But remember, *Net worth = Total Assets - Total Liabilities * Include your investments. Your 401k, IRAs, HSAs (if you are using it for retirement purposes), and brokerage accounts. Same for your debt, face your numbers. You may be surprised at the progress you’re making. Comparison is the thief of joy, but I do find these charts interesting. Do they motivate or deflate you? 🤑 Wealth Creation Journey Interested in how other folks are creating their wealth? Here are some examples from around the web to inspire you. 🤩 *Net worth:* $438,000 <https://link.mail.beehiiv.com/ss/c/C_NHRebYaSznwBoKIxdOS63BI3f0DoFdGkvE0KcFnXu8lQdEZ0pVHOdWHjKAxOtzTn_RiOjmtPTDDqaOk6_9gB85foL_Hr8oUMedAPadpHXGjKjFtUJQXDRwaQsI4i6xermenKhSDpMrh28MMysXsrxei5fFvzQGdvWFy4-NK4hsPT_TV-iOOg0KjO0Qh6PLogvI_7g2fCnUujC6DLHGtbB6-nYMxdrUShS9VqFNxDslWJ5vPfq0VZDOL1_58G_5eBpW7mGcfHYc2vIhB16t1IY3GPpvM4IxT5F01B4vwhM/445/yI1xV0h4Q76vRVou60yaCQ/h8/e0djHZvdar78t2SDpYsE7W9Kmazya_1rV4w9AVWMJ8c>*[source: Reddit]* *Profile:* Age 29, career in marketing, earned $187k annually in total comp, splits expenses 50/50 a partner, no children. - Net worth breakdown: 401k: $203k // Ind. Brok: $182k // Roth IRA: $31k // Checking: $20k // RSUs: $2k - Follows the FIRE <https://link.mail.beehiiv.com/ss/c/C_NHRebYaSznwBoKIxdOSwm_evL16iELjCIMroXPKGs82_66C73vmzrtIhK2NzNkyi9R6XGp0ews9ztIXGUrBzW_4CfvsglEB78-Y-S7NFSkKkYIbWMdznWOzIPGm4IPMF5BO221I53U6V799XsapzZS7RwkWy4RgkMdwwrXT78Ow4k_XnjqP4sUuoK-WT7PSeocq2uohc8uFaIJjxP0XrF-hIiSZpcAZQp-P0YyUiRqNIphP8hTHk2O2_GR5evB/445/yI1xV0h4Q76vRVou60yaCQ/h9/HSsEJ-xwUCZ_Hj4IH8dhrzkE_Qgp4wpHNBOxkFrS9a4> (financial independence, retire early) plan. - Current FIRE range is between $1.25M-$2.5M individually. Spends between $30k-$35k annually. - Combined net worth with partner is roughly $850K Ready to live abroad? Check out these amazing stories from YouTube: *Ilana Buhl, 30, is an American living in a luxury, 2-bedroom apartment in Copenhagen, Denmark with her husband and son. The couple pays $2,100 a month in rent. Ilana is a primary school teacher and shares snippets of her life abroad on social media.* [image: YouTube video by CNBC Make It] <https://link.mail.beehiiv.com/ss/c/C_NHRebYaSznwBoKIxdOSwQlTccJu4CLGnFustgNMCrcYPCdNZDypwSeRzuwcqrSgnZXN7tWEOemAWeJbOrWpNeVNbeXcpg4oXoketxJ4Q0pzA_9OTGdRfiMeA3Hf5mOTT_Jl1uZwQPokDfpqsSEAs4DVHvmRjg6UmwRh6dzi9gk66oHV1rOTsvTlETWF9gu7Kez8QhRSXkV0-STVbAOiQ/445/yI1xV0h4Q76vRVou60yaCQ/h11/wBR1TvlOmSoSvCgu4qBML7hWlA1uwU27GMSKAQxWF64> I'm Much Happier Living In Copenhagen Than In The U.S. - Look Inside My Home | Unlocked <https://link.mail.beehiiv.com/ss/c/C_NHRebYaSznwBoKIxdOSwQlTccJu4CLGnFustgNMCrcYPCdNZDypwSeRzuwcqrSgnZXN7tWEOemAWeJbOrWpNeVNbeXcpg4oXoketxJ4Q0pzA_9OTGdRfiMeA3Hf5mOTT_Jl1uZwQPokDfpqsSEAs4DVHvmRjg6UmwRh6dzi9gk66oHV1rOTsvTlETWF9gu7Kez8QhRSXkV0-STVbAOiQ/445/yI1xV0h4Q76vRVou60yaCQ/h10/ftUd63HEwCW5Z5EIhx2EMleIx7t7mUpYRU6xfruu86c> *Stephanie Synclair, 41, owns her own business and makes $80,000 a year. She lives in Atlanta but made Sicily her home away from home in 2022 when she bought a house there for around $62,000.* [image: YouTube video by CNBC Make It] <https://link.mail.beehiiv.com/ss/c/C_NHRebYaSznwBoKIxdOSwQlTccJu4CLGnFustgNMCos4Ynj5Le1O7yMm6Qy0G9N3jJjvM5PUq1fY7zdoBZU6vSFKuu3ktBusG_xiU5wCJALesxwpKAB6ueG3_3ErqHEaGogQtcUujY-GkEYurRV0lvF_YAKsKMRaYXeKQQG3lJ5wb6P_S0_GinVYQ6jOiibDkOYvqC9-CuHG79vCIScjA/445/yI1xV0h4Q76vRVou60yaCQ/h13/2r8SYljYxxv6WBuS5QtJGtAiAeXXBfO6iEPl_Xly_yk> I Bought A Home In Sicily For $62,000 - Now I Live In Both America & Italy <https://link.mail.beehiiv.com/ss/c/C_NHRebYaSznwBoKIxdOSwQlTccJu4CLGnFustgNMCos4Ynj5Le1O7yMm6Qy0G9N3jJjvM5PUq1fY7zdoBZU6vSFKuu3ktBusG_xiU5wCJALesxwpKAB6ueG3_3ErqHEaGogQtcUujY-GkEYurRV0lvF_YAKsKMRaYXeKQQG3lJ5wb6P_S0_GinVYQ6jOiibDkOYvqC9-CuHG79vCIScjA/445/yI1xV0h4Q76vRVou60yaCQ/h12/j2JTfHBrHHm6Ccl77QdlsbDZGe6Dt6VFyOaUE8EIxvc> *Curious about how women spend? * Glamour magazine surveyed anonymous New York women with different salaries and asked them how often they shop for clothes: [image: YouTube video by Glamour] <https://link.mail.beehiiv.com/ss/c/C_NHRebYaSznwBoKIxdOSwQlTccJu4CLGnFustgNMCpzuwCj346LE8K50AIFng5PBdMfDeAYz7LNcjDmcetAIOydRznFsbZexRvStTeTqi1qZdOwIm2NV-1vXCz8_r4GZ1fqO5yZUZlUoNsVifIXlZNU-yQkPTyE4YSXZQODofV0aqO1b2kM5SK1nNSOdEUm8Uwj7ZEkqDdibdamNGZYKQ/445/yI1xV0h4Q76vRVou60yaCQ/h15/LvDxyvUzPJA-vHpYYtBXBzD-ZpNcLStGgtJYQS7Yqeo> Women of Different Salaries on How Often They Shop | Glamour <https://link.mail.beehiiv.com/ss/c/C_NHRebYaSznwBoKIxdOSwQlTccJu4CLGnFustgNMCpzuwCj346LE8K50AIFng5PBdMfDeAYz7LNcjDmcetAIOydRznFsbZexRvStTeTqi1qZdOwIm2NV-1vXCz8_r4GZ1fqO5yZUZlUoNsVifIXlZNU-yQkPTyE4YSXZQODofV0aqO1b2kM5SK1nNSOdEUm8Uwj7ZEkqDdibdamNGZYKQ/445/yI1xV0h4Q76vRVou60yaCQ/h14/adXXFif2AuG9MXt47fvswg5aIlDuDlJ8ZAH9Stpcs4k> *And don’t forget about the OG… **Money Diaries <https://link.mail.beehiiv.com/ss/c/C_NHRebYaSznwBoKIxdOSy_LX3DQyyEGrlP2DvVEm6BGkXp-n2X2sPbw4HBPHpMEDs-ZbOtOacELYSuLp8_ZEYgNnHkyU7V_cjQ30f_bBvLlZaHMmIY5ZTPv_A8yDonbUNaZXsy8EWNIqtP22TMwKOl6qzIYn-yBLhQR_QoC2b3O2i_qcw_nQYRf63kTJ092YMHJkaD3LiwlQgnVbXh6_zwHphfoVg2RQ0_SRkiLb_BNwSNJMO60goza2r3crSVB/445/yI1xV0h4Q76vRVou60yaCQ/h16/MWG0c2lGNeiUWTqPEt3xz8F2hO549Te9rDv4YB0MtGc>* *!* Have a wonderful week ahead! Minki Founder, WINii <https://link.mail.beehiiv.com/ss/c/C_NHRebYaSznwBoKIxdOS2BchmSHj_nTNUUcWAvQvHkDydK13bMbd5sPloCIk_5Tt1ipGZ7xwiGfA5_adu5uUlgbkTykF27ERTCBlLmNQkktfsjPiVpaNg0eOfzzvFE11ZceZmroxFXIYgrGceZpu8dOz0vYQx5Xr0BVehlcH4NmT7DXQHTDw5QKawm2Tj25/445/yI1xV0h4Q76vRVou60yaCQ/h17/u7rF3E-M-N-fv2VOrPXAZCfKU1DeWLUg8hHjjiVR51Q> *Empowering a million women to become millionaires * 📢 PS - Refer a Friend! Are there others female friends/colleagues in your social circle you’d like to include in our money chat? Consider sharing this newsletter! 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Shared content is for informational purposes only, and are not a recommendation, solicitation, or research report relating to any investment strategy, security, or digital asset. All investments involve risk including the loss of principal and past performance does not guarantee future results. 228 Park Ave S, #29976, New York, New York 10003, United States [image: beehiiv logo]Powered by beehiiv <https://link.mail.beehiiv.com/ss/c/C_NHRebYaSznwBoKIxdOS4Bouk6L-OWVLSNHUcMUajmzq9eW1QP3Mgxnw592jIh_KQBfWh75GoijNur1KPZSeHr9rIkslg5jI3Xy5tVgYOPyGGED65QgZCR-E5voWB4jdsPpEZFZUAP5GjXH1FbszVdcI9rbldkjMCK-MuuJlfGAdrTnPjp8h9O1X6YD7VHZ/445/yI1xV0h4Q76vRVou60yaCQ/h21/9NXtjxPSUverwg01OYutaX1ul5_G8febfdtyHzqX5l4> Feb 26 24February 26, 2024Email at WINii
[WINii] The Economics of Love---------- Forwarded message --------- From: Minki from WINii <winii@mail.beehiiv.com> Date: Sun, Feb 18, 2024 at 9:02 AM Subject: [WINii] The Economics of Love To: nataliewindle@gmail.com <nataliewindle@gmail.com> Plus, women can have it all, just not all at once February 18, 2024 | Read Online <https://link.mail.beehiiv.com/ss/c/C_NHRebYaSznwBoKIxdOS8fI9m88C-v-yEP7ZBvJq7U0O2kJhh61vUozLMYrm4SX4nPVyzcnIbMYxaOGoa3ouSc7WE4upVVVUvN9lCzOr1UPhg13g50ilrm7uDnYi6hDC-gg3ABEFmxQnvWMNccV64VS3zFnc6bBZjPi494_UOjkVfnNqqaeP6gqTNSPi21qjhuG24KP8PjHF4agy0fCAhJk2Xnka86iBseQssL45ttpfoEj8Y6ylREGpF3VZe38BIkihuxAgjvV3Rcy7aRBV8T4CUjqJ3GEQ701zG-SrdEmkxjtUdfzU1xQ8c837SVc4kPaYbGhJA4snZQOUeIdVZgrbYiHRkqVMSDXusQtyNZYY0KNzy2rXDwxYY39BeYLWugpkfJE7kFCzkOPnevV-O99gqoe1_sbqRZTFi7y3O-i_hgBwLDiAsjHLvqTJjnELXqipTz4j3ZB5bTlGRC6lSU8K2h_JANmnAK6Zgu8vKftb6zkPRFC-wOv-P9OVErQcUNl6OJI9JA2nOf6aJXPtU-_toU1_BbEx1mHePl--0D_TeVOevQjG1zlnQnEkM9V81I1emO1iZg1zBJBnJBZkP1sZKTjx1W5M0wtErZRQoY6DM1JJW2rbXPN3BOeQ5XQ/43y/AxWpc4fnRkuCADR4mR-Eyg/h0/De9ERR6uRPOPQA166U8dSjW07P6HevGvo8LW8ZjA-wM> [WINii] The Economics of Love Plus, women can have it all, just not all at once [image: fb] <https://link.mail.beehiiv.com/ss/c/C_NHRebYaSznwBoKIxdOS9jYtvjf_IeYwuMtGL9za76vDsyKad7zAcB_1ngW5RKTPNNfjptNeUmA4oUMzVG0tg4rIYO1_n6xMCZqDYwW9XVAhIhKlDY1Xp4nup87014N3FZrGs6VpOj9b8MmUDzYkFD6zr0vpBPMy_kOsnVTPsPZgR6iMI_8xWmH-FtubsvXHpLBHXYBa1l-rgeAdLhzK--FwK6YXp9VWPaU6dSjUgVIOEyjJ7Xe5DAu2g9I3A-5Tuuu32z8Kz5xcDjDlBTCrg/43y/AxWpc4fnRkuCADR4mR-Eyg/h1/aRod7xZ8uKpVnkh1Ecfm9svYkX7tz2k4K8CFHzLemt0> [image: tw] <https://link.mail.beehiiv.com/ss/c/_Mg4Xp3yzIqoSLEVT74h6yVo6-SkeXEvRvkYKsUXVxbK_JfvhjFdHwfgCMIFshcSB4rhZMK_sb9RNenlE0yF_HipU0Y2GsjywpJvP9jxgVwSXJVZ9C-tbTDUSMnyTZ1N3mBDwsMWIUn2HQ0YbMntzPX67RzgWx7wAIL3GV6SemY3ZNoXdHkKgMv4UV4UNLkn042CuXa5YYLd9BeClnG3rqaeFpixyiri2l4pr1bUrnuUZXpCoGnGFbe46HRbQJwjNivU4zhtE_dok_CGDziX0hX2zOIayK2KcpyWQzIm-Mj3AhBhipQvJ3HhgD0tvNWxFrchN5eBPvX_GC3BTvFmAg/43y/AxWpc4fnRkuCADR4mR-Eyg/h2/i02qIiIiq0j3cZq8MFWjxBhl9ADR0TMdPfH0sC102Xo> [image: in] <https://link.mail.beehiiv.com/ss/c/C_NHRebYaSznwBoKIxdOS8uOTL_EKqjCLHR1VGoKnXE217SUU1YzQNotZqzz795zfG7chHj234dYHNSETRhXhInzhMRNEw2ewsjxe_VZTJ2lALbOnnRolb4ytvl00pA6gEgyqFfAAfWyMQoPe1j9_3YyW0_wYGz3Ecjj34hQD6rNrplxguDxRRD1JyTRNpddnB9QFEYlQXjEV-ocxXYcBUFa6P-Cxe03IHRY3Yl2N0EUv1TPg6yJseHhXQ-qdEAje7fU3Cb1pz4qbfdvr_gV-2CYpYDQ30Hj1YVxQlB_KBY/43y/AxWpc4fnRkuCADR4mR-Eyg/h3/AMBMpLObjn2GwVhp_NK-vg6KbU2mfdsg-eL9h-UUBLU> [image: email] <?subject=Post%20from%20WINii%27s%20MoneyBites&body=%5BWINii%5D%20The%20Economics%20of%20Love%20%20%3A%20Plus%2C%20women%20can%20have%20it%20all%2C%20just%20not%20all%20at%20once%0A%0Ahttps%3A%2F%2Fwinii.beehiiv.com%2Fp%2Fwinii-economics-love> Hi Natalie! Another Valentine's Day has come and gone. Did you celebrate love? Celebrate Galentine’s Day? Or bemoan another fabricated commercial holiday? 🧠 Here, we'll take a look at the economics of dating, the importance of holding money dates with your partner, and the question about prenups. Let's get into it! ⏬ 👸🏻 Can Women Have It All? Jesse Van Arman is the Head of Marketing at Meta. On an episode of WINii’s MoneyBites, she shares why she switches companies or roles every few years. Hint: this strategy increased her net compensation multifold. She also shares her thoughts on why women can have it all, just not all at once. We also talk about keeping separate bank accounts as a couple and different investment strategies within a partnership. Check out the episode here! ⏬ [image: YouTube video by WINii: MoneyBites] <https://link.mail.beehiiv.com/ss/c/o5M-BiCHKn5rKluxsCSfad174i48TJdfR0P4mfBfYcXQxA3pC8shRYz3Pziy3EOUfW5GPRNxJBCTW65r9FXRmLlDMVoYQPxSKeYglQWiuVCXe6f8v6lNGAniph6cB4kqPxu61KB33ib8e9OtnDWt_VXMMEwM_9OW-Rj-4ycFNU2vJFtWJHIpfFtPwihA-JkijNnx2YLjH7FmdJ-eSOgHBg/43y/AxWpc4fnRkuCADR4mR-Eyg/h5/jrywnzv8JxY2dwWHsUKOX391pQDSq6M8nmd4quMUWrg> Switching companies to increase salary w/ Jessie Van Arman (Head of Marketing @Meta) <https://link.mail.beehiiv.com/ss/c/o5M-BiCHKn5rKluxsCSfad174i48TJdfR0P4mfBfYcXQxA3pC8shRYz3Pziy3EOUfW5GPRNxJBCTW65r9FXRmLlDMVoYQPxSKeYglQWiuVCXe6f8v6lNGAniph6cB4kqPxu61KB33ib8e9OtnDWt_VXMMEwM_9OW-Rj-4ycFNU2vJFtWJHIpfFtPwihA-JkijNnx2YLjH7FmdJ-eSOgHBg/43y/AxWpc4fnRkuCADR4mR-Eyg/h4/fT_HAWXts6aRLMvrMiOrKtt4f8wxe5h4GD5OtEiE2a4> 🎧 Listen on Spotify <https://link.mail.beehiiv.com/ss/c/2VUYNEgHumP927Z64zK-cRv_Rq4R5MIAOH9HqL0evFcEB5V42PQaqxZmAjBWmfWMQcpSqjDh1wggBJElW5eR6-BaGBNurtaRV4JazWL-WeS6wk-ytSS-5PDQvnbLlU0mThFKNuF42YHZ5_wDeJsO-dmQ9l41J-mKPdjtaf9XEiMBoxOAUPUy54k9IRbbsXUKYE_OS6keAxROs_SxfxvH9A/43y/AxWpc4fnRkuCADR4mR-Eyg/h6/lUY3JRzcvuRYTDWxcoEvqsqulGqEW3H67Bctr7cxrRY> ASK WINii! I’ve been getting some interesting DMs about personal finance that may be helpful to share with the broader WINii community - so we're carving out a space in our newsletter! 😁 Do you have questions about your budget? 401ks? Money dilemmas? Feel free to ask here 👇 Submit Your Question <https://link.mail.beehiiv.com/ss/c/XjwtajtLu04Ants1gAQFM7_9eMTkR-Pr9CsXIMsVVRwdVKrLvChSFKWaAxWmA2SwEWba1aUVFc-M0V-KBs-DCHpBIKfUZmF16Sn4IVZKn1AtoxVersoedYCRSsk9EOaBkoGcXIeYPMT-MNdkXFWzJhAxW1VsmilK_EU-56h2FpZZYyDFixftQpEBAMKqcpNH/43y/AxWpc4fnRkuCADR4mR-Eyg/h7/fp_fnKdyPenqY-5_LYIXvhaQdXtFUCpHp47Dn_qrFbc> PS - We may reach out for additional information to best answer your question. Otherwise, if selected, we'll share your question anonymously with response . 🌹 Are you single? - Dating Economics As a single woman in New York, who religiously checks all four dating apps on my phone daily as consolation that I’ve at least made the minimum effort in finding love, it feels sometimes that there are no good men left <https://link.mail.beehiiv.com/ss/c/C_NHRebYaSznwBoKIxdOSxH_SFzLl3odvmbbSejeiRDEaseMUc8MF6YLartnZWjTcCcpJCEGz3Oc73XBLA0azH70bcRTvG9nf3kqQg15N0RW60PFry6zyK-7NeLvCnJ4_cAtWC4hKQIL5H9BCzwWInz0BswR_gPP1vqQJYD_vxhhfxnDdVRKCo8ww49idMUiepdJr2iGS9pThyuRBmSeYRvVSCH_7T_ZegSPgSqa8Xvt9sanZ__6pEZCZStdDIMq/43y/AxWpc4fnRkuCADR4mR-Eyg/h8/WuHtZTuH-BK_j4y4TNd9RhCKwfpiOw4eeHBmWO-yRDo>. If I am to change my luck in dating though, perhaps I need to think like an economist <https://link.mail.beehiiv.com/ss/c/Q9xDZWmaLYq_MSnwJ-pLXrKBeJmbo4gTtXqb5-nvmJRBFw_NwR79ksTNg4lYplmDVkX7RCUCjp9k8vCmAVEZNESgqOwsIp0588W-MQ5gNMkVCv3zc21SyhkLlwztXZyB7ZHUeFjJA03rARxfApTosC0hVSb8kSQzeY2zKitBlpE3DbjJBhsy4dIE1-P9bUKzXyuc1ZYgPpLX7XgfYrDnaLLJ_z32AAowqljFkByZe5irZ-7jXWQREqA2Q1dHo6bS3L0d1c78qZe4bG2cKmMm5Q/43y/AxWpc4fnRkuCADR4mR-Eyg/h9/TXwOWZMWXyilvesUSNe53sVLfLDRJtDQZLTkDmRRpJc>? Or double down believing in the magic of love - like in this episode <https://link.mail.beehiiv.com/ss/c/C_NHRebYaSznwBoKIxdOSz60hXsPH7SLVrPOXwYTIFiaAzg5XKrBJBO11fG5i4GHUaBmuqin66bV10i1BEBmoHjrLdPY74p9wtpoeGBuS3a69bM-A3fLywswGK5okg8C_I3IRQKpblktA7slRSkFhmYsoP3DcBGiI6YfzZGNneDzef9tPTXJlVdCEObWT3Vr2xEVj1lEaMgzrozI7eNwng/43y/AxWpc4fnRkuCADR4mR-Eyg/h10/EW3oX1-umPS7-ZxES2FAgbkOn-LwcDlZx2kMt8xQj58> of This American Life? I always thought I’d meet my soulmate at an airport 🪄 Well, if any of you know a gem of a Korean American man, I’m in the market. I’ll trade you financial coaching for an intro. 💸 Do you have a partner? Schedule your Money Dates Money might not be the most romantic topic of conversation, but it's one that matters. Both financial advisors <https://link.mail.beehiiv.com/ss/c/C_NHRebYaSznwBoKIxdOS0L6dZz6SsFLTJt4GWcp0-oAooiAMJ-lqENDiR4zruGQIoGxtVWuPAmGwkjAv0dYgTA7Fs0WBUTBuTxGDCgbQ3zsVc57gG887pTFkxzCkFP4dlBMxAWTb-1NsbbgXa3taDX1c0a0tG1M6-77hOHqeiy2TaY5U5gX2xGNsE_av546ZB_pRioaqdRFrrM0bGQXwZeecR-y2wOHtrR3t074IcSy2pBLqPvEzzuoQbsc8CLH/43y/AxWpc4fnRkuCADR4mR-Eyg/h11/1h2yHXxu5Uby07zVNdwrc62yLcW740u5aUvl-T5aK4g> and relationship counselors agree that pairs who discuss money on a regular basis better manage their spending, saving, and investing. 💰 If you are not aligned on financial values and goals, it could mean trouble for your relationship. According to a recent Forbes study <https://link.mail.beehiiv.com/ss/c/C_NHRebYaSznwBoKIxdOSxr7e1niBQ6K-JjPLnn140f6I1k0JsMRtULRbZfdrk65IzutgQScLkYgRkkQyoTOEzJp1yTWwvPf3UO9VRSktS75UlsouoL5v57Y8of_WvCYk2D-ymBcK8_hSIYCX5mFHuUI8RP-e-1x96IxNOvKB3nktpOEVClGwWOiKY0qLT5ntgW2z1PZs1e0XR-HQSVp6NnkiZweVDo9V3mt1mudJ6MhzXD1-7l1ZST5oXW7b2nu5H3-umMG1IYBq7XA6somCA/43y/AxWpc4fnRkuCADR4mR-Eyg/h12/i-_lElc1I5UlxcbtmKk99XD4OMxlGLPwI6io9CnJWRg>, 38% of divorcing couples report financial problems as the main reason for the split. Fights over money place a huge burden on a partnership. Money dates come down to ensuring you have a healthy relationship to have candid conversations, and aligning on having the same money values and financial goals. This in turn represents if you and your partner are looking towards the same future direction. Keeping money matters out in the open and making money chats fun can nip financial troubles in the bud before they become bigger issues. 💔 Prenup - would you sign one? We wish for happily ever after, but there are plenty of reasons why a marriage might go south. Let's take a look at some interesting divorce stats <https://link.mail.beehiiv.com/ss/c/C_NHRebYaSznwBoKIxdOSxr7e1niBQ6K-JjPLnn140f6I1k0JsMRtULRbZfdrk65IzutgQScLkYgRkkQyoTOEzJp1yTWwvPf3UO9VRSktS75UlsouoL5v57Y8of_WvCYk2D-ymBcK8_hSIYCX5mFHuUI8RP-e-1x96IxNOvKB3nktpOEVClGwWOiKY0qLT5ntgW2z1PZs1e0XR-HQSVp6PbytJdGmm7RDAwikIGGDG0/43y/AxWpc4fnRkuCADR4mR-Eyg/h13/COBCUh4xC2n_Sk05gIuUiCJODpzTgN7GA1B7SsuZtms>: - Divorce rates are higher among couples below the poverty line. - Couples who live together before marriage are more likely to divorce. - In heterosexual couples, 69% of divorces are initiated by women. - Third marriages have the highest divorce rate (73%). - The most expensive divorce ever was Bill and Melinda Gates ($76B). Did you know that 15% of married couples report signing a prenup <https://link.mail.beehiiv.com/ss/c/C_NHRebYaSznwBoKIxdOS1mIkvHlvGUfFCfqVFrCKI1cwN3Uokygb4owkyr7v5eGIckO327KeT6HDJ9aeuBFJYEviYB2y_i_Oth4FFJDfwPRVMuEPV_BN4qFYENNfxh7tppPf5qkqAs05Yj_YgpafmyToGi59v2pKA3NSZARbZAHD2gY1Tm9Szwj15K1eHWhZVtw2uXpsnlwP9QjvFH-7RdLk86gGMtOsSCwGD0Ko8BcDPJy1yDSsyzZuZVS2OjCJG6U9IWPDJjcjgokRzRdVDw3f6_Dhht9gh_sEBbr2qE/43y/AxWpc4fnRkuCADR4mR-Eyg/h14/-VAiMRMveG6jlDYKp8jah9pOLN8EAxaIpBqV9X47U_M>? They're becoming more common and aren't just for the rich and famous. A prenup can help address fundamentals, like details on joint bank accounts, whether you'll pay off certain debts separately or together, and of course, who gets what in a divorce. Speaking of prenups, marrying for money might be a smarter decision than you think. In this CNBC article <https://link.mail.beehiiv.com/ss/c/C_NHRebYaSznwBoKIxdOSx7GLr44EqWjxL4lN7GhoRXK5rEliZBIWwB6mtjzdDyfj0hwgUgqDW0W3EvvAgXvLmbUIDV5yMkH5gvlpz9o3RfrxjM_ZT6sBDxNl4yaj07059kW4lUaKTL2T0HuYO3Swhn9wrXFS_EKo7t-IDlLkLfxfajEPRU3BdW8n0zIpua9NvuQ5ySRXcP6XOPkvTGa2Ca2cR04ekCe2K7aYxkPCHcZq2SjB-2cMzvYyMjr0L7nP6FrdGvoVDCvBeIYPYvBow/43y/AxWpc4fnRkuCADR4mR-Eyg/h15/uJzWEiocduGdjEUUsnSCck8nYkaHODUnua80lVqKsVg>, an economist shares all the reasons why. But what actions would you take if your partner cheated on you after marriage? Well, it turns out a lawsuit may be one of your options. Check out this NPR story <https://link.mail.beehiiv.com/ss/c/C_NHRebYaSznwBoKIxdOS_s7REB0im1YPieGCnAkCDHSIQGR1NZrYJ8fXZkfRVCR2lLzJUNITZz_dGqVFiUCNHIQ6-lKnEkWhi7IrUliQ0MvyFN2rQsz1g7BsTkm9h5SxVribDMp8r5jpdpfEQStliqcpBPUWOF5v1Dg_KRmFc3NLdlGyp8RFNw3jqhqZduhDY-5zDqS7G_bUvea_WJ6t63f2k5S3W2xPpxBsGYqUb4/43y/AxWpc4fnRkuCADR4mR-Eyg/h16/5T1gtzy2wbAdt4xqhHZWbvUGvFJxv32aY_WBh6Krm04> of how one man used the "heart balm tort" to his advantage. 💔 📣 Weekly Poll Would you sign a prenup? Yes, I will sign a prenup (or already signed one) <https://link.mail.beehiiv.com/ss/c/C_NHRebYaSznwBoKIxdOS8fI9m88C-v-yEP7ZBvJq7UVSRG7c4du3xuycv80IAKF7DvBfDYKBpkvX57p2PTcFUrEXM2sQQGVL78bKuaZxdTDFo_X3dsQQeFWSNXuw2b9YJ8ihTJu2JKImph4pGtG3p3wOPs7fM30rcrdnr8et8eZ68npxy2Qr02rpRDn6pvZ5FtLyKYjFqrHO5qLX9_KntNwMTbpqle9oebqvp-j4pAg3P1WuISSxrY58XH3iOf3d1-p1uTcsZFIQ3BCt1NuKXN913Vle-CC8pBAsTy_ENOLrRvu3r4uDbUnLeZqsovJv2qDQDM4Rt0Ik2oteJA6yCG9b9VafRSs2k5rrXDA_Xi0ZFeAs1YR-Z_VWa0EqvFX-X8mu26ilR1GlGaZjxxdN3AAVX-LRP6r5tlARQzhwy-d7aU4D8FifcmEg4gueSKuf2LIRMZzRE14E4cTQ7dnQBKKgT_p2XPK_sfiFthSfh7lJkIxRZf0k8SFsZMb973zd_IR5W0mNtCONKigWgppVydsh1uRKdu5N7aLHV5vhCA5eY62r1118ceBV5MiupX1YTfqAWIZMbsSgEYEaJRKNltivsuRs1iiLP70hUeCS1fQ85s5gal50YUKtVlJfcm3aYtHW6l-h9g3Jz8Fe3DkLzEGZB5jUqT7xBYNk2IMSkBeTq0Ure9IrUeUriK5w30_/43y/AxWpc4fnRkuCADR4mR-Eyg/h17/RTgh3YeQWt4LkuQ5vfw5Bm1JBFWUMuODNG7TT_8EBLw> No, I won't sign a prenup (or didn't sign one) <https://link.mail.beehiiv.com/ss/c/C_NHRebYaSznwBoKIxdOS8fI9m88C-v-yEP7ZBvJq7UVSRG7c4du3xuycv80IAKF7DvBfDYKBpkvX57p2PTcFUrEXM2sQQGVL78bKuaZxdT0Yqs9iLUn1MT5_iykO7hnwT8yPDdwrpTPLuyZuPygaZNJM1mlAUOz9I0YxL9gC6s8LucjuBgavDGdeSGByJV908E5grYrS5qCq4ayhEHo2vW9sKRIEdnT6rSFAfm12rrDjlomQKPpEoMXRLIIJgDBQaL8bASH9wj2LqGa5IFe-6iH668Zuy-E4BuqqJo5elDumj76lokK8CQyZzfha90uMTVkNKTSzwRp6uGB1aKfs3nyJxBfs12NQ405PxaZmChjcEKQZ8coq3geZyJfjVqa0g5rza8pKmQyvlSAs55I0YMLLgPxnbNkSDES_rpjx63gn1T1y9bGZQwkWNeYRvC6zMlAT6mqt4z8JWQT6flowl0JAszWCGeiMfd8okRXC3ITfr5n2nijtihJ6yg-v3mTfqAgpyHJlNFY7zo5ULfJ3E7_VkmC-37DIXEzAhS4Lh_2O9z5qhPVdRACPgzu4BBCi4ujzdAGkX9abtoV3WobhbzjR40GOlcF5uAYKv6trk82vZ4_63O0CLfcKyYWkZr20B7E1RmwmElMFkMR_9u3y_TY5EAvoMAkoCHDVhplCO5WVXqPPR4LqRH7GkXxRiI5/43y/AxWpc4fnRkuCADR4mR-Eyg/h18/E4qjjd1K9q4WsMlkjTXIkp7R93v2FBAkPsXy4vhXuLs> I regret signing a prenup <https://link.mail.beehiiv.com/ss/c/C_NHRebYaSznwBoKIxdOS8fI9m88C-v-yEP7ZBvJq7UVSRG7c4du3xuycv80IAKF7DvBfDYKBpkvX57p2PTcFUrEXM2sQQGVL78bKuaZxdSVLeJ7L52U-zy5I8Hf_rzvdUgw5rqEdA7SqIYRkXgIvhWLvF9WfdSmdWevXsRqP9By_ozJwa8svarD1dsD8ppg91__1EYms6_6BD-71scyW0fFttjCn-Ms1VytXplPQKbs4pvpl6HDldfJAi-Stzxd9Qf3PW6xZnf89GIvTte1bLE3Tz-1TDD0-as6fPxRtyOygJH4OXAO2DHjcdsR9JgdEiJLtbTtUsyrz5uaxlC9E9IP0USvAT4sAj3rxm0GR0-cCKr2_Li0XVUkZjbPdJ1GJpP1eZZHsRkNeMeWHlaEv9y36CVmuisvctH0dGZLwK4WFcYr23thPMjPvNIkA7BSa8OX5NMam7ijuk-nmiV8R9EgafszGWmZ2ag3AMTpbDW37Vxp_-__t95HLDJEDCrww1uLbvdcVEST1aXVJXQkcTGSu94KDJ0m7cuhs5iNrpCkPdeaOMH6_n7B5g7Ox4ikzv8XpAcQEjWCM2ICHLpM2HDU7gMkMd9XoZr-c98r2bB8aRMEcSXSRMTG6W1zQg3IfSphFbw2OTchON5nmF4MdKeI9Sh2OMypaD_YAo_23aJOVjOrMVKEkKqnXYjpZEMg/43y/AxWpc4fnRkuCADR4mR-Eyg/h19/FT-rSwCA09_HZk1ILTJ1EozuOD-aKKJvr57AYdO_OMc> I regret NOT signing a prenup <https://link.mail.beehiiv.com/ss/c/C_NHRebYaSznwBoKIxdOS8fI9m88C-v-yEP7ZBvJq7UVSRG7c4du3xuycv80IAKF7DvBfDYKBpkvX57p2PTcFUrEXM2sQQGVL78bKuaZxdSYKepW3rwJCWpes2YmfrhL-hzlrog92r5TRRwJWfFHCD4vDqe9Afqh5xFusfiXTbF_jQWN-43n0VdFD16I0HXy7J8AG-Or0USgIrfZLRolngQnFOGda35U4d9fZG7zy46acpngzqAJsF4cWI0hewHjP4NXyZXAdLBl9fNu1n3mOL4eXigoimt_7HOFSBh_QJdNydcVIky_1ERSySxAykRl6fzMpGfvfMoezHh2whVYK95_eJIiUzo5xp2KAh_MJQy6WGIDDKT4NFt1dQkFtJK3S_0-i_T8tXMGS2TwGBG0hG4dB3HhRIpO2N-_BNAevyn-nsdcBzjlBoRwLRPzaLh3DYuJZdrJqTiyyw00N-79Cm6hx6ngD1zpYTmQxL1Pn-56VL6xjGT3r6x0YWcMdHAMOYbWSbFMRro39Xs6oRUAreG4-ZKxoL6fRcWao2YCj7CHPnVcQYmnxj7FPjAmDtokbD0Rm9sPTBnWlMBdmnJGyS5v8d3vh8rpD5xR7OQBeAxtUs3diy-mO0Lxyg5OUCJ5it2_k9OzEz49lvkzOoZf0Hs4wKW2V6HUQnfQvNlUsUXwmyeoDWoJMa9vrXGCy0wd/43y/AxWpc4fnRkuCADR4mR-Eyg/h20/15VjYERD1ruYg2bEo6oxH5vPH36wnvIvkWa_mifDt7M> *Last week's results* In last week's newsletter, we asked how you manage your RSUs at vesting period. Results were a 50/50 split between WINers who sold all their shares at vest and those who chose a mix of hold and sell. We’re consistently seeing WINers value diversification of their portfolio. Hooray to smart moves! Here’s to (self) love! Minki Founder, WINii 📢 PS - Refer a Friend! Are there others female friends/colleagues in your social circle you’d like to include in our money chat? Consider sharing this newsletter! 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[WINii] Are ESG funds actually good for the environment?---------- Forwarded message --------- From: Minki from WINii <winii@mail.beehiiv.com> Date: Sun, Feb 4, 2024 at 9:31 AM Subject: [WINii] Are ESG funds actually good for the environment? To: nataliewindle@gmail.com <nataliewindle@gmail.com> Plus, what makes an exceptional PM? February 04, 2024 | Read Online <https://link.mail.beehiiv.com/ss/c/C_NHRebYaSznwBoKIxdOS8fI9m88C-v-yEP7ZBvJq7WQ6UCaX0czOTbaeJ2kwMKvE9RyNdLiKSy7oYVZfqx2-YdbJdsMJ4LGAJarDhkAdPDCZewu4iC-iP66X_VmyrDrykCm_CY3KinIVsB0IsaJWeJ1XOKv1TurxNnRHyJpOJ76PrkxA0fTwX4YKBEQyzBqnZuWYAtcGKM0Fh4qrKAJOxnTDOona-SdbNkTsJ9Zhx6ws43eavItC54WCrL1ArK9tEqLE5NrN4pfzNvbF5LDibT0BQ2FMcQj_wntMCZUudYZwIMLKvcImPXwcwzxk194sXNlDI87b4AK4sFl8OS9UnRnoz0R0osOUG2JjzOB7IOZHxastvh-qWzI61U1UD2YyjB39Zs0YhVAi81n47auzr-3EvMxDWZbvwVjd0nDSPDynoe7INkMXni1W4OVFAJYMEtHAeoJmsvFWqQu8K1dLwlnuKL6b4ZNXpRz6N01Otl1ZKY6PR28FyqN7OefUJ_55C4Iq8c0HqPsQsBhoQwME3AyfU_DbyDTTe-u2bJBA6dFvg4dkq8VfzG_9NZVjiEmHjqMME6pIwnHJTPjj_6yK-fPy8vgln7jKbvMqgTumF_wnsRPXlSo7_mnqUPhPy1cAM5fZCJ2d1n3w7o44KQAx_W-_ExgX1_zlSkGRoFeeZk9BAGQKbpDd4Okry4Fg_p2/43k/TU5TqfGZT4OomZaid17rAA/h0/PPb7Dqg_tWdnJ4kMr5BqE6ExmhZHkX4I2TdDLP955Ww> [WINii] Are ESG funds actually good for the environment? Plus, what makes an exceptional PM? [image: fb] <https://link.mail.beehiiv.com/ss/c/C_NHRebYaSznwBoKIxdOS9jYtvjf_IeYwuMtGL9za76vDsyKad7zAcB_1ngW5RKTPNNfjptNeUmA4oUMzVG0tg4rIYO1_n6xMCZqDYwW9XVAhIhKlDY1Xp4nup87014NxhQzWt0dGcQrBUR4i6hfCWpHkHQ8egPEGWzkC6mKGMIHObt-PuKzB2ggsEiNy6x7goSoAuHpCrK28k_ldkZFYrxyC9LIEh9zYhBQwLsmhoTG7fv8TdmhZbQuqHWKup8LZpfhVm7FF_GJmY8t6Xy4aGKBO6zPkazwtV0xJunwbfCjBb-9LQmN3Sl2kWtUaasRDYBs23Bzsm115bJfDCnxzw/43k/TU5TqfGZT4OomZaid17rAA/h1/qydSuBrHXVoDLiwj4GAHDh7uOF68T3U6d-ectJXhkvg> [image: tw] <https://link.mail.beehiiv.com/ss/c/_Mg4Xp3yzIqoSLEVT74h6yVo6-SkeXEvRvkYKsUXVxbK_JfvhjFdHwfgCMIFshcSBWCbPJ3wXaHB9fio60mWD0A7rmNpzn_8wDfsFiVX1VksgZF_sSJOVmBmAdkl5-3BV2a9Jg-6IRQGEOE-yb_fGgsNJ2Bt8LQPBKDuFGmSvnmooJv4tUqYqNep4-avSLISBE3Jw8fNpM3D9DSXQScD6bz1cvxnbwgYlFsFkxlKtL7T6v29cf7yNmK3hohsJDe45AkQe_8etBusDxFeivpTZytsTEV5Ior_U1wAUQnUBsiRsZ9mGe1G-UchlmJQQKMZlyLGPfsH26GciYsNgJ7KVjIw0Z4Cg3QBYArZCldkVWn35zr86C_w-vMDE-UX6643/43k/TU5TqfGZT4OomZaid17rAA/h2/QuV4Zl_IYW3KgAv9egxMNwLttzxqxO9-gM6SUwzvdSs> [image: in] <https://link.mail.beehiiv.com/ss/c/C_NHRebYaSznwBoKIxdOS8uOTL_EKqjCLHR1VGoKnXE217SUU1YzQNotZqzz795zfG7chHj234dYHNSETRhXhInzhMRNEw2ewsjxe_VZTJ2lALbOnnRolb4ytvl00pA6evhfcLUALqLOhLuQLDPO6nJYO9k5EhO-YGT_nPQftNGLpbRaqllD4jz0wy5z-RxI8IPFxE0v-O6fLBmxHxA4c5C1TBifATHGGEJwoDwd5YYw_ybo5kM8GmnYK2gIywRQiyfF4zGTgN6kdf19AXiieWV3JKMzXO9HHBxE2Q1N_KFMDVhtpxJsTiDFH9Da5MrV8JGKAmmW081ZyOG8lRe2Fw/43k/TU5TqfGZT4OomZaid17rAA/h3/fLsaWbiEe8BNhsv8TiL03cNElnqPMGBhdSPRVs4i7n4> [image: email] <?subject=Post%20from%20WINii%27s%20MoneyBites&body=%5BWINii%5D%20Are%20ESG%20funds%20actually%20good%20for%20the%20environment%3F%3A%20Plus%2C%20what%20makes%20an%20exceptional%20PM%3F%0A%0Ahttps%3A%2F%2Fwinii.beehiiv.com%2Fp%2Fwinii-esg-funds-actually-good-environment> Hi Natalie! Let’s be exceptional this week: exceptional in our responsibility as global citizens. Have you considered investing in ESG (environmental, social, and governance) funds? Through them, you could do good for your portfolio and the world…however, there may be a catch. On a career note, we'll cover what makes an exceptional product manager. Let's get this party started! 🎉 🌍 ESGs: How "Good" Are They? Over the last several years, environmental, social, and governance funds ( ESGs <https://link.mail.beehiiv.com/ss/c/AhLmYVZMUKfCqfAfdpkB2evwSMdidwaVogIOR-Rrl0Ydg0vEDysLY-Jd5_P0JTVzAdDjVXDoKmYIoSxjS51z4b_ajrzUGhMftT9PhJIKSDpdjxHLt7fShB7XvRZDMWQuOJHwkASVRZOgT_ZcM256GNxSh9xtL2UjU-YTlEQb54YxQ0it8uM0Cmg9Yg0n-XPM2d9ORp1zvV135uBDsB4_UWNNK8x9ZjAb8kDF0zSUu1WRaaDCzCUliHxlYTvoGwJL/43k/TU5TqfGZT4OomZaid17rAA/h4/wXCfLQjc8iXiy6v9HA3Ym2dX_mOGzzGpIF2t4VBSn-E>) have created quite a buzz. They're a type of investment where non-financial factors are considered when making decisions about what's included in the fund. The idea is if we collectively invest more money in ESG funds, it will pressure companies to be more responsible…and money makes the world go round. 🌍 However, from a return perspective, are ESG funds good for your portfolio? The verdict is mixed. - In this study <https://link.mail.beehiiv.com/ss/c/2VUYNEgHumP927Z64zK-caYayn-jUWel7FUSvkrnqLTjK7LK30USBT_sxmB564D8oqc2CDWXWuQBWejTHZxJA_-jkZGEC79srwewx5FkZtq2DrMeuBihmNzubY_QwK4yhoeLtBFr-Y1vpWfPkId1jAChY6MDTsmpXlyS5CKpG2qjp4kSYUGAypg7E812bQY5K6EG8qZvojaBCIPQsdJtuEF2w2pHJRsnqRMEH5Nnz_iQRsgXSH9QR2XDWKNqwvj2/43k/TU5TqfGZT4OomZaid17rAA/h5/JNoHRtGr8t-pquHKJsqmJbWZD6SGnrGMdsxeehInP8A>, evidence suggests that sustainability is viewed as positively predicting future performance. However, researchers didn't find evidence that high-sustainability funds outperform low-sustainability funds. - Here <https://link.mail.beehiiv.com/ss/c/2VUYNEgHumP927Z64zK-caYayn-jUWel7FUSvkrnqLTjK7LK30USBT_sxmB564D8g17EITEBo2zDyp4-rMcnshXp5FyvN196hphHOvH2jYWRBZcJ3w_cm62paYjrli0UGvlyo9JRB9AOig6GmVZIvyRh_o7Z9EpdvZIkv3MXb9XcV6ZPT2i3GGerh2gC7jJ2raP-cr6oUW13h2AG71D8PYrB-umbS8KHbCaY07Lp_bCf8o4gdel4wy07xkJP-rOo/43k/TU5TqfGZT4OomZaid17rAA/h6/VsNDLT-hYm47QiU8tZTSb8uPXCh-mdRLjujHGFOtb3M>, researchers found that socially responsible investing (SRI) neither outperforms nor underperforms the market portfolio. However, they did find that global SRI portfolios outperform regional sub-portfolios. If ESG returns aren't outperforming the market, are they at least better or more humane for the world? The verdict is mixed here, too. - This study <https://link.mail.beehiiv.com/ss/c/4vuSWZ1hgFgKdo2WmmhtLS7cb8ujvQ0JTLHGMLy4Z1xjiqnqwuGu1ImALFAq1wukrMRdA1j0TIKvqYVIdA2_oeuQ9WfRGF1fA18lsxYkqSQyyFGlA0_fp4T0yBjiqTrRFPRRWdqQoHSJrH7KBPcQ3EDTAa7ylOj-wBp0mu957XAfmC0jR5nIGeq--zPH9XoTkJLFQvezruvXBYOT0GFMoj9OSESXOs8PBdqXmrR8XJLCk7Ax3HRoCuhnsSM19QZT/43k/TU5TqfGZT4OomZaid17rAA/h7/QdFy3bJXi9PNDcdLPbhkoqWDG21RfRrJ67XybWwrzjE> found that increasing financing costs for firms that are already green (environmentally-friendly) doesn't have a huge impact or lead to significant improvements. On the flip side, increasing financing costs for brown (not environmentally-friendly) firms results in a *significantly negative impact*. Thus, directing capital away from brown firms and toward green firms may be counterproductive. Yikes! - Some ESG funds have also been accused of "greenwashing", meaning they exaggerate environmentally-friendly initiatives to appear greener than they actually are. The SEC recently announced a new rule <https://link.mail.beehiiv.com/ss/c/C_NHRebYaSznwBoKIxdOSyxFxjSVvOefA89uTnm8V7bh_ZePDueU5qP2-MzkZT5nishLWRB6LLE9ppPwnbHtoOddAcQ2BC4l-URAJBoadgTI402B9-5iP1vEuEjLP8GHameMVrJxCTUdtNIhlTl0xqtlj0SzAb5eVgtfbncefZ22wFnYeBSzgycgLA3i_bhee38YJCVaZu9EDkbT-iBuE05VRq_UdkF8nr5PzrKCQxe5pZH6QN2NoVa2VKPfVJmu1DoEIKE0V3pFa9tb97L2qtfUD_IDzIpPkF7rPEfxqNa9GLqAZ6gHjaL0daOJ7TdD/43k/TU5TqfGZT4OomZaid17rAA/h8/PCL3NibT30U5CjcD62xYiEmX4OVXKr0pDpBDBw02FrU> that requires ESG funds to match at least 80% of their portfolio with the stated goals of the fund. The rule was issued in response to a number of subpoenas issued by the SEC to fund managers over questionable ESG practices. Although this crackdown is ethically and morally good, it may have a negative impact on how a fund performs. *Bottom line:* the concept of ESGs may be laudable, but more work is needed to know for sure. Do you take environmental, social, and governance factors into account when creating your investment portfolio? 📣 Weekly Poll What's your take on ESGs? Do you invest in them? I consider ESG metrics in ALL investment decisions <https://link.mail.beehiiv.com/ss/c/C_NHRebYaSznwBoKIxdOS8fI9m88C-v-yEP7ZBvJq7W_CeA-BthqZ-I_edrjzNB51HMzy-NRKeNyOlpxYVHFkyYId6Ps7hUCUYNlUJhXZmkC87OwwVygY5bmcORJguy0haukE1P6oeqxc862yxhPMkcC9mO99nxJCi2DLRTO1j5FLFj5qHiZEFVieSzNLLLyBNbpYfUv_ie9-PgdBHZsCaRZBo4pEVNnc4RdOApYW15VYJCxHfvMAtULYpphgZkDMMpCKlAaA7SHkfEfS6JLYlaxcYn2QWDFopzQx_fFwKOHn6mwBf1NHjuvLXIZzJgd4ryOOeyWT-E4QCX1bm113q1xW2LVyBTxSUxguMY85xb5PkMmzlluzHYa6Qyd63iivcznaLuFoS8-s0xTYHdXuomZwMxUBhhrVePi_MZNnWJPDaFJaF5E7tdbdegzwYBJDlHYOZSt2U7ydsI-kcXlqjhuW5iKuFLXGkA2Od5TlTHJyiyqVFD-W16Z3bQZRchtErueS7fvJGMt5zYBh042BHg4GAv1GVu2A6zUKb-_6P93VyxFceyU2N_BW6CtJzEv6JfYmuCUlnzjbEXMGhoQPqzgLieCpIKkOhuuK5nh6U8RE4Rm1k7bIGTwsNONFkl65VfghAR87KNHaJtL7glSOHihrpRbM6bdK4CkEfQ2lKwvy4B0Ws2Cg-oLlGVpL-Nn/43k/TU5TqfGZT4OomZaid17rAA/h9/tAM2S5Hu1i9kJH-U1d5CnWuJxDofoh-URoBCFMla1D8> I consider ESG metrics in SOME investment decisions <https://link.mail.beehiiv.com/ss/c/C_NHRebYaSznwBoKIxdOS8fI9m88C-v-yEP7ZBvJq7W_CeA-BthqZ-I_edrjzNB51HMzy-NRKeNyOlpxYVHFkyYId6Ps7hUCUYNlUJhXZmnHpaiLaGEjsyvL0X1rCoPyFmqAKr8f1tUn7NlRB8ulRAW_Tn6RtR4Hv-3xINLsNRSbT--2nuW3QFzx77PCp9-T4oHXUEz-by4NfBiro92hl8pOFou_0wM-CjZTPDCBXDL9wZR43nh7YuHMB5I03NURkwj44NqHinqy3RytJOSP_K9kL-mQBGEecPwHBMsm0ymgeRyTAzHEnIdwH68Tfh9pTZ2PfKk-rtRhyvMB_K81ry_KQNoeXl-qwXteCgzOh0tBpjYJGL2PXHfjgrPFuqRs3j46TUN6zIU_q51XAbXdMkWGJI4V-dw2DcrNxa2qVQi9bEOWw3f70qG-oyRH4lMRkk74FDpej5oYRjxVsQ3383QmNpxKeyVETb8ZNQlXXLsjN96G4ec4MnzkOWth1MLfFU5NrjQdL6Lhc1ZvljwIsA37w_y8NW1fs9cp957sDI75mQf3yidRk4itNyhXA9i5S0niJ1ghxZDDUPlK8u_4JwVpAGrpDF7trX0NBFFTfZ6WAjt1bxVsjuIGkwlwWtkOkJf8HV12Zx-PCWVy4_Xe3y-anlczorDH-jQxKlFqMcqHUwdw1GSQY_ADobtzbVP1/43k/TU5TqfGZT4OomZaid17rAA/h10/Q5iqLTp-eilOINtQsvPYHmlTLlX8g78zu-m0e-RUs24> I do NOT consider ESG metrics in any investment decisions <https://link.mail.beehiiv.com/ss/c/C_NHRebYaSznwBoKIxdOS8fI9m88C-v-yEP7ZBvJq7W_CeA-BthqZ-I_edrjzNB51HMzy-NRKeNyOlpxYVHFkyYId6Ps7hUCUYNlUJhXZmk-e28zp1RK0okFwzCXOX5nhdoDphwrKdF-migumjI1sM2OezzwhXYIfFcT9TEOo8GgfBE_UohFH1jUtQxwMb5qLXlSMi87mLaahr2UVVqLDoea5hyI2jcSdnM4wgdrpWEMhBXCT6HG-KP3pLN04X4Bi1FHRrSDSqDBuKczkW9_piBkoq7Ak3SExCVC3cB6HPg_b8GG-A-MM_R3iy_GtCb02qZL3aX0D48uHAjBKGz46zlugUnyoyrocWcw5obN_FJvcabjPdWp2KbhA4QmLeJxHu6rpYwgyFX_RSzy1d5S4NJgh6BdZWOzSNABkBj8TkjU1KmXEInRXYdxvU8atIqPGbk6LSUFJnUY5hLzZk2hkiL_kK1i1ghfYjaRqIi-1bvjfFNNNajdGOYomEZvxyx5WB1mM6XG_zX6P2Z-jgFQzbZKu7X_AHQxNADTYV3AGuAGPcgzj6aonkDRmkKQiPkWPmKMpPJAI2U9GcJsewkJ1q4zeFIe-p1_4a938L5CdGxRwV9IRm4yEJNdloVX6fjJiRkYvDzpKoqYZrP33eY5F5q3h5c03C-kifpjW0gLMniPUnCMytiQ6k97wImwBD6S/43k/TU5TqfGZT4OomZaid17rAA/h11/S_lcvjDQtIjQYjSmFJ3TrsDaIRe7JziI1AtsuQ_4xW4> *Last week's results* In last week's newsletter, we asked our fellow WINers how they were reacting to the market. 📈 Everyone who responded had the same answer: they're not paying attention to the news, choosing to stay the course through steady market investment. Great adherence to the concept of "time in the market beats timing the market" - hope ya’ll benefited from the tech sector pop this week! Excellent! 🏆 Truly Exceptional Ever wonder what it takes to be an out-of-this world product manager? In this episode of MoneyBites, Alexandra Stried shares what makes a great PM, from both an IC and manager perspective. After her first PM role, Alex was hooked on building products that build positive user behaviors. Alex shares her career journey from WeightWatchers to Ellevest where she worked on financial empowerment, and then onto Cerebral to focus on mental wellbeing. [image: YouTube video by WINii: MoneyBites] <https://link.mail.beehiiv.com/ss/c/o5M-BiCHKn5rKluxsCSfaRUcsDsN81wwxNzni7ao6FErfl8JudfU4RKJQLNaQG-5H5-hrfV73OUbwsx5mGM8VtVM5mnFg9ZNaUOHzcnBaXeu_B0vwubKzw67Mg_Cc3gPDPT-JQGkZSjHbIFZxSBkIeUSIX2s7l3AqZ6hnGNWmNtwhMmzqgYx475zQ4I2XKqwqhSNTudwrIJHdTcbAjCHOg/43k/TU5TqfGZT4OomZaid17rAA/h13/sc4GLhM2f9DeZVJ9E9WMyGNhcESmjA226PxEYXLAdJI> What makes an exceptional product manager? w/ Alexandria Stried @Cerebral <https://link.mail.beehiiv.com/ss/c/o5M-BiCHKn5rKluxsCSfaRUcsDsN81wwxNzni7ao6FErfl8JudfU4RKJQLNaQG-5H5-hrfV73OUbwsx5mGM8VtVM5mnFg9ZNaUOHzcnBaXeu_B0vwubKzw67Mg_Cc3gPDPT-JQGkZSjHbIFZxSBkIeUSIX2s7l3AqZ6hnGNWmNtwhMmzqgYx475zQ4I2XKqwqhSNTudwrIJHdTcbAjCHOg/43k/TU5TqfGZT4OomZaid17rAA/h12/YhxxAyvZQTMxTkpk1okwhZITjBaiol4NkIvrQUDbVxg> 🎧 Listen on Spotify <https://link.mail.beehiiv.com/ss/c/2VUYNEgHumP927Z64zK-cRv_Rq4R5MIAOH9HqL0evFeh5IGtEnYMTpsrnn-Egnq_jln1aJxTkCP6h1xgNRyCK932vPt8xynTTJnAKYraoRw1Nbgg-a1KubuF14BmSOAY-q6oupODI9OhI4O5UjwpX-YEggNjhQC07ic13LS75SCQacFOzXYpSAd8s_1fdy94LHpEIC8s1gO8y3UZTWwjsREqnQL0caEzS_O_X2yS3z2Z2s4HP1T55IJ03-L7oZjv6o87BnyoqkKYeRGPGxtE6w/43k/TU5TqfGZT4OomZaid17rAA/h14/0oX7WlUKlsNKxN9Ljf_RpBbTOYXrDix4IVvn854EgFA> I also had the opportunity to chat with Heidi Kim, a software engineer who made the switch to PM. After Heidi went through two internships in big tech, her curiosity and motivation (her why) in her role changed, leading to a life-changing career pivot. Here's her story! [image: YouTube video by WINii: MoneyBites] <https://link.mail.beehiiv.com/ss/c/o5M-BiCHKn5rKluxsCSfaaYnt65BGpmrurcOAqubp0SeIdxbIEWXst3RtlgUo_4Hlx38uZaBSEtDV_gYWEFV7LLyv0dB66e6ighJH3sWESKvR7ngN7ThwPjgjhrNJhXDTMY7y8SNYW_GowMCnIybvmwA8L5HihV5w9X9SGteLjkQbJTyIIR_9VgzlLVYJyktpL6KWsfelb3buC_ePphTqQ/43k/TU5TqfGZT4OomZaid17rAA/h16/k2RbnkV3qFSXQ9orUKhay9RoHD596bkOy22u1S40E0U> Switching from a software engineer to product manager w/ Heidi Kim <https://link.mail.beehiiv.com/ss/c/o5M-BiCHKn5rKluxsCSfaaYnt65BGpmrurcOAqubp0SeIdxbIEWXst3RtlgUo_4Hlx38uZaBSEtDV_gYWEFV7LLyv0dB66e6ighJH3sWESKvR7ngN7ThwPjgjhrNJhXDTMY7y8SNYW_GowMCnIybvmwA8L5HihV5w9X9SGteLjkQbJTyIIR_9VgzlLVYJyktpL6KWsfelb3buC_ePphTqQ/43k/TU5TqfGZT4OomZaid17rAA/h15/xvDBYZl0Yy2SKq0eXERTd5Avyen0Jx7QI6f_ClytiLg> 🎧 Listen on Spotify <https://link.mail.beehiiv.com/ss/c/2VUYNEgHumP927Z64zK-cRv_Rq4R5MIAOH9HqL0evFfpH3Bgpx3Epssi1qwPV07El1epBNrf2S8965fERI4RS5pXT2flV3fBS64FT8yqPTiw6fFpwOjpBvI4LLOWXnbqtRJDQmnF1icx8VscJTZ96-HiBN6ShN-ZvCCWOm7A42i7Jzs3N2jZU5i16-lqv0LVpeUooswe5tou0KIJxFMsjRaaMRm3h6_Z3oM3Hc42l7vMCwNREEprQ4BSd59JD42asVZ8afqvc_H9kAv_AQfC4Q/43k/TU5TqfGZT4OomZaid17rAA/h17/YWv5ZlNAtPd40ncxj_alr9wbTfVmgABwAKd5iTXb5eo> Have a wonderful week ahead! *Minki* *Founder, **WINii <https://link.mail.beehiiv.com/ss/c/C_NHRebYaSznwBoKIxdOS2BchmSHj_nTNUUcWAvQvHkDydK13bMbd5sPloCIk_5Tt1ipGZ7xwiGfA5_adu5uUlgbkTykF27ERTCBlLmNQkktfsjPiVpaNg0eOfzzvFE1qguJLZgSLj4LvAYKpn2TTuoTuAFizYGLjYI22RqRK-viWlZExCo91LH00pGbUPfnMUqwVTB_5ymaGxePRWQu5w/43k/TU5TqfGZT4OomZaid17rAA/h18/uMtacjgPyuQD4ZEwzXzSjbcdhZqRz4Myj-F7fgKrf4c>* 📢 PS - Refer a Friend! 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Shared content is for informational purposes only, and are not a recommendation, solicitation, or research report relating to any investment strategy, security, or digital asset. All investments involve risk including the loss of principal and past performance does not guarantee future results. 228 Park Ave S, #29976, New York, New York 10003, United States [image: beehiiv logo]Powered by beehiiv <https://link.mail.beehiiv.com/ss/c/C_NHRebYaSznwBoKIxdOS4Bouk6L-OWVLSNHUcMUajl_Iw7TpG_UeUul8xdihHMWLrHfJsosc5W8upgrwP59Au3aKJClcu-ruY8wdSBZIfPSu5JbgHTxjmBnG1XgAJRF9g6aobDJbVGyS-Esc4NmfjsdL2UUOPc28mVoZVrnNvdXVzg4YTgvmoBBGVkEggxI/43k/TU5TqfGZT4OomZaid17rAA/h22/SzEi02-EwE5Q3n2S3u60GQ8WiF81H13R6oeJXDII7bI> Feb 05 24February 05, 2024Email at WINii
[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. 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>* 📢 PS - Refer a Friend! Are there others female friends/colleagues in your social circle you’d like to include in our money chat? Consider sharing this newsletter! 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[WINii] Women Working in AI---------- Forwarded message --------- From: Minki from WINii <winii@mail.beehiiv.com> Date: Sat, Jan 20, 2024 at 10:00 AM Subject: [WINii] Women Working in AI To: nataliewindle@gmail.com <nataliewindle@gmail.com> Plus, an invitation to a money goals webinar January 20, 2024 | Read Online <https://link.mail.beehiiv.com/ss/c/C_NHRebYaSznwBoKIxdOS8fI9m88C-v-yEP7ZBvJq7VRo1DaNflBJN7Zz9o0tnJCzDrOvC-UvkBgK8YV8Pqfs-h7iOH60x5y6edZ5aahY6rnXk-zTQhkz4RxoO7QMrzJRJ79zf5MgtwsO-rC57rLDnrPbxVCrALIq2mhpCDNIXzc9v_uePLu5ugty3J0e103uQHFVvXoFR0XnwBr4_cDnalHhzZ_qpBBxrk-3mASUnnyreeoH42jZkHVzwi98StAvWADJVV0Im9wIB1MRF9OFxrDUKqOXpt6dkKz-zgMhX6sGS_2cQfUPR3CbatlW2CrPmcZKQXBBA7wS2rzTjG_lIoqlmclqPEY75zkF2UxvaRLdFVmO1IpUgLjKbF8PGmxZgBOHebP4nsxEfD5zCLUTV5yMl2OidtqX0o_n99vkPm7BsXIx8R9J5JE9oP6c1Q-8aefZgiGA9AfYSJ9uphm0udgeug_ztbTZ15CX3obaeatUd8URXqMTjLBHrq7_pbiRwMkKJpasns-0xx4_gdw1kMHOLGsdKh3xmhddM-QYmZRJ-xfKBqtBb_1m-5Pm28s01a2_Y82sWbwHX4Gdoald31gkuYBi97DLt2S2kS80DWOgcl3_hNKjaSnKTGfTXNb/435/1UpABuPBTMCqye0lGcOiog/h0/eSSAMx5XrNKIazC9apuiDFguX7XcB0Wo7kMonyqsKo8> [WINii] Women Working in AI Plus, an invitation to a money goals webinar [image: fb] <https://link.mail.beehiiv.com/ss/c/C_NHRebYaSznwBoKIxdOS9jYtvjf_IeYwuMtGL9za76vDsyKad7zAcB_1ngW5RKTPNNfjptNeUmA4oUMzVG0tg4rIYO1_n6xMCZqDYwW9XVAhIhKlDY1Xp4nup87014Nd8mUKpiLAvEWOPd0BJDQVgxdku5m4W0apyV_p1Jj0yX8wjV0mdrlC-xvYziGLydqf4ZapSMfczj-i0zCzVlpuBUhvtuiXtygMt2YUVP3bhsxpESEBx6e6Dq1O4PYRAJ93nu1yhM9GPc0-mtok_9w6g/435/1UpABuPBTMCqye0lGcOiog/h1/5scfmAY-3QnBqkCqg5dwwhKsZBQoIuh4vS34BK1CieQ> [image: tw] <https://link.mail.beehiiv.com/ss/c/_Mg4Xp3yzIqoSLEVT74h6yVo6-SkeXEvRvkYKsUXVxbK_JfvhjFdHwfgCMIFshcSIcZhSVa9jTVKAhEySwT66etxCVCqS9U8x5o0nWxcFN62QIczrSoHG2F9jhq_H3jf9z2c8y8nd3fGQtJJ08tIIgwrG5o6868Hc7Oeb570Sq5SrDlkpjAR4w9MtK9qmmXg3g74OPAMAb03p4MUBd7ilpI6L1aegCcLL_Z2rLF-VW-co1WAqO9At0sTg_q7RsKEQ5ZlB7PB7yyapPFzNhbFJwKNuOdrjbgJ-_Gxzx6CYFnv2Hn0SJ3rws2jzkVxOA-xA7Y4XghIx-M8kP1ALtd9lQ/435/1UpABuPBTMCqye0lGcOiog/h2/nGyUnWmvvHX_OETYmI7nyY_UyuqsUTjSMreC6W8QlrE> [image: in] <https://link.mail.beehiiv.com/ss/c/C_NHRebYaSznwBoKIxdOS8uOTL_EKqjCLHR1VGoKnXE217SUU1YzQNotZqzz795zfG7chHj234dYHNSETRhXhInzhMRNEw2ewsjxe_VZTJ2lALbOnnRolb4ytvl00pA6mj-tGIsrDwdc6GVfcOF-daRqVCNZ0hRppCwCW3iaCtgArN-KvkLA-g1fJuLABJTMInWicX6I2zOu4nx8XmDUtydsrrqr8FUOgoY4w5tr46zQMzFY219RjdcN5ifkVRZTHdNhL1TDjoHbKRI42SVDwJR6rVY_YFpUA282ZuUXCYY/435/1UpABuPBTMCqye0lGcOiog/h3/VjdIsXBiZ2KGsTvZRNEih4bJVZL_OQJaEghHC9ge89o> [image: email] <?subject=Post%20from%20WINii%27s%20MoneyBites&body=%5BWINii%5D%20Women%20Working%20in%20AI%20%3A%20Plus%2C%20an%20invitation%20to%20a%20money%20goals%20webinar%0A%0Ahttps%3A%2F%2Fwinii.beehiiv.com%2Fp%2Fwinii-women-working-ai> Hi Natalie! These days, you can't open up your news feed without seeing a headline about AI. From the latest ChatGPT pro tips <https://link.mail.beehiiv.com/ss/c/_Mg4Xp3yzIqoSLEVT74h6xQeYD_PzPLYy5XQ7zu9v9_eKr_ORDWvMpAN1Jd2f16w-fJumKcNAeKevwcVgIBlvptwMmIlHm-NPo2I4hL3z8lR2E2wpQe_2QO7FnXW-Dvb5-TAm3J7IlqxSAabIUAIKKmePuT2qtAzukhIhdl61tAmzzh9pC2Zjn7afARWe95IDtp0Xf_inn82fWfOigAuvg/435/1UpABuPBTMCqye0lGcOiog/h4/DkYrCUj_5XOfx6-Yc0717h3dCfw2INZloZhc1kOssOA> to high tech companies causing a stir, it's everywhere! In this newsletter, we're diving into why more women should work in AI (and what they need) as well as new stats on the impact AI will have on our future world. Let's get into it! 😎 📈 Robot Takeover The International Monetary Fund (IMF) just dropped their latest report <https://link.mail.beehiiv.com/ss/c/C_NHRebYaSznwBoKIxdOS2ZPHtEbvsu9E0gjI17Im75qaQGiiHlobliIAI1Ie_V8DekqmW9LG6SE_w_JQ-tV8L7AE6HlC8mZ6R92b3K4O3haeG6zFwY-YLhvhqPkoVBAQiVQEiZp87oLYLOcjTK6VkIm26T4-qDvTmlSCkQJEW4aFmChjGfLA340XSXTu_yCWRLlQgesP5RmCdlUfPtDJWQSwfa-dUb_OLiJ1XbpUOK1tBX85sAxJQgeaFpU-SWPiMLIxxsgQhfiXt-W6WxJP1Zof32nAATn8PJQwkLUh572nsVwyp4xhaW7IjmOMt0G/435/1UpABuPBTMCqye0lGcOiog/h5/RNXPkyGOaXmfy11ark58pLWFl3oCvwCx9rH4aM1-mMs> of how our world will be impacted by AI. Here are some of the highlights: - Nearly 40% of jobs worldwide could be affected by the rise of AI. High-income economies are more at risk than emerging markets and low-income countries. - Roughly 60% of jobs could be impacted by AI in high-income nations. - The IMF warned that AI could affect income and wealth inequality within countries, warning of “polarization within income brackets.” - Workers who are able to access the benefits of AI could increase their productivity and salary, while those who cannot are at risk of falling further behind. Last year, Goldman Sachs warned generative AI could impact as many as 300 million jobs worldwide <https://link.mail.beehiiv.com/ss/c/C_NHRebYaSznwBoKIxdOSze-LXrLpPIOS_7e_Dj-BGybwPYZelTz57hDmeqMPsUhmpy_imymjt34yD29CyH6xEupiJLliJiK_q9t6TKZtSZcpxIBAzBMjPqkGbze-vpuU0BD__Frqwm6XB0DkR6SBoaPNbm83EchL6llWysYnpezvKGGAxQ2BponnGlWXUvmGV8v4k2CC4A5G6S8LlRZSCbbAKcuE-oaayEbF83VUKpkrlMMwlK-7U2LhQXbGuJkOT5A3SGVXsARg_7dOr-WLA/435/1UpABuPBTMCqye0lGcOiog/h6/029g4y-6I_XhvH3YFCIjZfXtAmYxpV0qzU9rr3t75b4>. However, they also acknowledged the technology could increase labor productivity and growth and boost gross domestic product by up to 7%. *So why are we talking about AI at WINii?* For one, we’re tinkering with a WINii chatbot in our beta app to help our members better understand their financial numbers. 🤖 For another, part of investing is taking a stance on how you understand the world to work. So this may be an opportunity to invest in AI <https://link.mail.beehiiv.com/ss/c/C_NHRebYaSznwBoKIxdOS-KCtKmMt0v3QK5oJf3ZrBS9-8eqHIl9Z0QPu0Mb0AmRp62UrWU3hUqZMrj2pD0GfCzJPX4vK65IHg4Jxch2jxEBnOvbo-Tt2Ea_YptMuFZv1TBcULyk-j7FDp0fgVEbl_Z_N6hkkdM8p7dntrfWzzKzObD8Z2nklyXJv4eydhLzxsPgG41zTGhHKSksG-FNqFdLEbE_BdLbbNbUez_LZXI/435/1UpABuPBTMCqye0lGcOiog/h7/MI7fKk2UAeTVhzZ4nPpwaW4Fq6mtjA3mkvYNpQc8JH8>. Or, as we drove home in our pilot workshops, as women in tech, keeping an eye on improving your earning potential will be one of the faster ways to increase your wealth. If you believe AI will indeed be transformative in the coming economy, where are you betting your money? Are you working on your career to leverage AI, or taking an investment stance on AI leveraging companies? 📣 Weekly Poll Are you on the AI train? If yes, are you investing in it through your career or investment? If through investment - how? My career trajectory is based around AI <https://link.mail.beehiiv.com/ss/c/C_NHRebYaSznwBoKIxdOS8fI9m88C-v-yEP7ZBvJq7XX0-EkpdoqZsBe5n4oK1KrCFfxblevJ-XOUZbKQCCZOEY97qM_zZw04bTDWv9BvWWJR3W9jpF3xONYjy6HmVIeONhGLsrB2xgkryFsgw4GEI5nFw67WCMkfF1zF0D8KDy0_li31Xkw7T05tQkfhredRVbJhI5qm4LF61orkRguMU5a4fSC8g_kIR23In3n8ulATBrfMFj-IR4hvG0ZLRmm0Kvl_aNIeHMEnjZvUwYdrX3jjF2HNDE3jWVvCOrtMce_NTMqlhYdPxZ6jNmPS4d2zdT5baTrUqAlPJAvXvrURmbnkxibliHAIqD2BlOVk0LnCq6l-Zjk7Xv9i2_sCq-qYS5Yt8c8tp-2_qA33xgujJTyUifwWcK08xvzA21tI9m-UyXX7oXAys2FmtApsF7hm7_1wE0SZmW8HhN5Qbf501EJkHBp-ppurFAD66qGrXg7OclKzVf6cMyGHphSpEkcpd2r1TzzqiPQbqNQruSGqtDAa-Y_3fvwxJ1Yf_7f7d4o3tlvdaanxz8rvineh_R9i4vOqqudisMJVXEfzxPxoYVlLplPu3jR4j9RHsS6iL414k96qtUf1Akez5sRvEa1B7pLpK5kGxeVyhL-ujn76nlkmO8pa-laOv00pTNQI2PxQ1SmG2fM1V1KIoLIbnY4/435/1UpABuPBTMCqye0lGcOiog/h8/E5oXRbD6U_bXfTxFHn8vxV89B09GBPAoDu5zW0d8nm4> I invest in AI-related companies/ETFs <https://link.mail.beehiiv.com/ss/c/C_NHRebYaSznwBoKIxdOS8fI9m88C-v-yEP7ZBvJq7XX0-EkpdoqZsBe5n4oK1KrCFfxblevJ-XOUZbKQCCZOEY97qM_zZw04bTDWv9BvWXLp4grFkoJg_4OMTTV2vl2YFY5aPfwHi5Qa9LpHe6OOYnL-esSbeNSydBmrOMS3RlgdwKOg_QO-WHJOt1RBqXrNZu5TUCdDJAWEQ6Pb_MpA-21sq8A-dvfgsIfahnpZskToL9EvHzypUXPVKoNBHnySh3ueAZWoPg9XVldGr6xDhfj4HZaNEercD9sEL0VjtWeWtXu-ee5RlLHOhyc4ay3CLc_hApmDM3WMSbIRk6OYkaA7EmwG163TtARehfNv7zf1yLp9ttzkS2NXLcYCaqXjMVKGUNuxAQZkqdiIEMD7KleevsKsaQR9Zb6R8-59uCSYZyAfx2I0f-iznqOBKiWyWlfJPNFnu4exd_6ykXVvqz0VRQpPtIU3P72aPRxUoeAOBQ0t-mJMJkE677R8kj7ixTgkM5p-b6aezSTxQWIpsANCj1K-kdh8zeCG39KRxHNJQNyrjzrb2ku5NIPZyGZiqNoFtbwg2xAtNb8z0cXwt_kR-WYb7y61inWDiyJMHWMoJDhnw4CxmIIW89QO6acoeii_WOKX6oQ2dm8tqi1piTuYWQw9RKyzaW1feo0RSiv7DO7rD8aOp0V_ZvK5yd1/435/1UpABuPBTMCqye0lGcOiog/h9/mIpVMPWKenSRXKle31DmeDMZiSscvyItr5xOuzIl4qo> Kickin' it old school/not into it at all <https://link.mail.beehiiv.com/ss/c/C_NHRebYaSznwBoKIxdOS8fI9m88C-v-yEP7ZBvJq7XX0-EkpdoqZsBe5n4oK1KrCFfxblevJ-XOUZbKQCCZOEY97qM_zZw04bTDWv9BvWUzUk8pgKWdziLAzgq1mCHZEVfWCHCUCKw4vRgH6rMWMBggIQxoQw84GG-ZX7LQ6E3k1OgzTNZ-cFF2oJiTj2CrLnZo9-iLM4kYdr_H2f23ThOdCKBe8rXDgJNKdv4nyIlWQ_ZDDYuqV8b0cCpxsPb1JcJ7zo3QTmwiDAeuPB0Ye5BBjaEHAFZlC_Vjw6Rgb_8yc9_n3qdoSiYXufZAgF8dY7Klt9oSQXZyDHW9LW5XGLtIedifM8pqQ3oiulaugNr76oBEdpuDBVoI2SuJdCgL2QwkAJV1Yj3qXLc44r-idfnSjE6yPm4-nurflfOa6DAkH_ofutLmBRQ0y3FAp4rqegpQvXu1KmZB5Ol4rMG_U2Yah4kZsrEEb4NCxFAcEiyFbnDzeutui70DLotaaW3WnGgte7M-iGLRYZ251RXF1wqOhCUYx0GPlfuPqevXkbvk2onrMn6ZLuvy6zIQc5jNWbkXzsXnvIPgYXGmhwKXWzZcOSuuwtJqP8Clk8QBjFEU1IftloEJhWW86Hf1vonxSJCY9_QT1N1I3opz67Awtuj1aVxxXQLssNfHqwlPhP-wUnATiS-Et_tM4zUvs0hS/435/1UpABuPBTMCqye0lGcOiog/h10/MF65gIRf3WlvtcWx3EP18Byj_hBOUUAlI0lbkbAY4Rw> *Last week's results* In our last newsletter, we asked how much you were saving for retirement. The most popular answer was that WINers are maxing out your IRA or 401(k) - woohoo! We love to see you taking full advantage of your retirement benefits. 🤑 Responses ran the gamut, with some of you maxing out company matches, and others going above and beyond maxing out retirement into additional investments! As we start rolling out WINii’s beta app, excited to see how our community discusses and accelerates personal financial goals to reach your respective financial independence. Appreciate you for committing to this safe space for a million women to become millionaire+! 🌟 👩🏽💻 More Women Should Work in AI In a previous episode of WINii's MoneyBites, I sat down with Lori Rodriguez <https://link.mail.beehiiv.com/ss/c/C_NHRebYaSznwBoKIxdOS8uOTL_EKqjCLHR1VGoKnXFU1_uXJdFEYVaomMhY5FLSVWFi_sIp53SrhMakbALAFtVUovTz9ZCzFo0LgTZmrFOgAlptGlYc_Tsk0NtrN_9kqur3s2rv9xtqoGZaRY5f_mvBer6KUvzkn-xHsPo_7V81SOkVbRaGF7gJUFcuSRpR/435/1UpABuPBTMCqye0lGcOiog/h11/XWs95VsQn5kqLzuBdIGN4-iVSZCW6vmO39GZsICUrX4>, best-selling author and president of Women in Tech Global <https://link.mail.beehiiv.com/ss/c/C_NHRebYaSznwBoKIxdOS4Bj54RVYUOTuFZqiFFiGC0xjkDQMcDwsVlnzghFF1bvNgdKdYSMBcVTD6uW3lvWqZ_Tn-x_V2fpH0cK1fBIjlDnuKmuolyAOAXellcOuxz8vmkSH8s-HcBinBO101GitRXcLQJMDC1YSKmXjjRvN9c/435/1UpABuPBTMCqye0lGcOiog/h12/0GFd3lnt9hGzxfwF388Ss68S3LvTAfb8MWXJ2ovW8CA>. One of the topics we discussed was whether or not AI is the next big thing and why more women should dive in *(hint: not being at the product decision making table is costing women's lives)**.* [image: YouTube video by WINii: MoneyBites] <https://link.mail.beehiiv.com/ss/c/o5M-BiCHKn5rKluxsCSfac1VMwulF1qz8vaLfMYA-YDG90Wh17cyrSW_y3uhZHYHaLy1fqqCfQ8KSpdmpIDRu7ZEZHabzCNW0fxywygjtLc9wrJIyUEwIITjqFqfgmOM4GD25k0a8Js5kvL-fTLeXRgRj3noQGCBy0rPyBtHTqXF8kBinATmLdyT0j61ookjlPGVjvRKqXBap_mxg2qmhg/435/1UpABuPBTMCqye0lGcOiog/h14/Tipc1Y8nWg8fxEuzioV-1ieivTQmEwtEWsZ6jjgrOHg> More women should work in AI w/ Lori Rodriguez (President/Bestselling Author @WomeninTech) <https://link.mail.beehiiv.com/ss/c/o5M-BiCHKn5rKluxsCSfac1VMwulF1qz8vaLfMYA-YDG90Wh17cyrSW_y3uhZHYHaLy1fqqCfQ8KSpdmpIDRu7ZEZHabzCNW0fxywygjtLc9wrJIyUEwIITjqFqfgmOM4GD25k0a8Js5kvL-fTLeXRgRj3noQGCBy0rPyBtHTqXF8kBinATmLdyT0j61ookjlPGVjvRKqXBap_mxg2qmhg/435/1UpABuPBTMCqye0lGcOiog/h13/y2OIGU7ojm_GnuDivtU7QijZcvX2XJGtJBcK_rvdk8w> To make female representation in leadership happen though, Lori touched on the importance of paternity leave. *Paternity leave is as important as maternity leave, and we need to normalize it*. My conversation with Huma Shoaib continued this discussion where she shared her experience of becoming a mother, and how it negatively impacted her career in tech. Although more U.S. companies are beginning to include paternity leave in their benefits packages, it's often nowhere near enough. [image: YouTube video by WINii: MoneyBites] <https://link.mail.beehiiv.com/ss/c/C_NHRebYaSznwBoKIxdOSwQlTccJu4CLGnFustgNMCqXSHbmATO4fk42b9XtYMtGEkiUy-M6sBAnqANSbgjfWlcV82CqfNkzAG4zh5fvCQaJImg51VkV4m8rI13gxGghzn8-JTbbMuZc79GVaN9qBzsjrfy0qitICM_WsQ2L1qZB5oKa0ywDf8CjK3LN9YN35XJhobctV4vSZ9aT1LSxjw/435/1UpABuPBTMCqye0lGcOiog/h16/cRMetgz71IHj6-tDolBEHvxdDr-3pnkC_r38G31wcUc> Representation and motherhood in tech w/ Huma Shoaib <https://link.mail.beehiiv.com/ss/c/C_NHRebYaSznwBoKIxdOSwQlTccJu4CLGnFustgNMCqXSHbmATO4fk42b9XtYMtGEkiUy-M6sBAnqANSbgjfWlcV82CqfNkzAG4zh5fvCQaJImg51VkV4m8rI13gxGghzn8-JTbbMuZc79GVaN9qBzsjrfy0qitICM_WsQ2L1qZB5oKa0ywDf8CjK3LN9YN35XJhobctV4vSZ9aT1LSxjw/435/1UpABuPBTMCqye0lGcOiog/h15/7F1wVREnQceilYOBZIoYtNJbqYQB4kqihKYfXVVhD84> 💰 Last Minute Reminder! Got plans tomorrow? *Tomorrow at 1pm ET/10am PT*, we're hosting a *financial goal setting webinar* <https://link.mail.beehiiv.com/ss/c/C_NHRebYaSznwBoKIxdOS0GRJAoMJN4UiAfPLhOGvKOSFOVS3gBXMg5zg7j9PGrObzAoDqwlhsiF0y1_pUYS-1QGazkaGEDWVxiAKwScheyLd81ktd6_kTFOKrw65BYXzeHqTT1ZGzJmuDSpon0oCAHObMy4fqB0CfKn_ZFI1Veyrf-Z2J0yce5DIekur21mgx79lHMf8S2lP6fpZ7HFsA/435/1UpABuPBTMCqye0lGcOiog/h17/0oM2U6ND5trqHVe8vhnuy3AINlfezt9dD9aLUFqd9EM> to help you start 2024 off on the right foot. What we’ll cover: - Face your numbers. Understand which 2023 expenses brought you joy and which you should cut. - Build a working 2024 budget. Create a working budget that gets you closer to your financial goals. 📅 Date: January 21st, 2024, Sunday 🕕 Time: 1 - 2:30PM ET | 10 - 11:30AM PT 📍 Location: Zoom Here's the link to sign up: Webinar Link <https://link.mail.beehiiv.com/ss/c/C_NHRebYaSznwBoKIxdOS0GRJAoMJN4UiAfPLhOGvKOSFOVS3gBXMg5zg7j9PGrObzAoDqwlhsiF0y1_pUYS-1QGazkaGEDWVxiAKwScheyLd81ktd6_kTFOKrw65BYXzeHqTT1ZGzJmuDSpon0oCAHObMy4fqB0CfKn_ZFI1Veyrf-Z2J0yce5DIekur21mgx79lHMf8S2lP6fpZ7HFsA/435/1UpABuPBTMCqye0lGcOiog/h18/KT2GzUxXXoyo1eUR3KXi-mRU09pmP3iZtwzGfXv214E> Grab a cup of tea (or alcohol of choice) and join us! *Minki* *Founder, **WINii <https://link.mail.beehiiv.com/ss/c/C_NHRebYaSznwBoKIxdOS2BchmSHj_nTNUUcWAvQvHkDydK13bMbd5sPloCIk_5Tt1ipGZ7xwiGfA5_adu5uUlgbkTykF27ERTCBlLmNQkktfsjPiVpaNg0eOfzzvFE1T7O10FbzWJYPiC5QH8AeX3eaRgrPMb78-HFd7jEPDmI/435/1UpABuPBTMCqye0lGcOiog/h19/7kOPyVB4wiqYRKTyeO2cOq3bkzky7k1njlAXdl3Tmss>* 📢 PS - Refer a Friend! Are there others female friends/colleagues in your social circle you’d like to include in our money chat? Consider sharing this newsletter! The more friends you refer, the more bonuses you’ll earn: - 5 referrals - Private group Q&A session on student loans - 10 referrals - WINii branded Stanley bottle 30 oz - 15 referrals - 1:1 budget review session with founder Pass this newsletter to your friends and family by clicking the button below! 👇 Share WINii's MoneyBites You currently have *0* referrals. <https://link.mail.beehiiv.com/ss/c/C_NHRebYaSznwBoKIxdOS8fI9m88C-v-yEP7ZBvJq7W-9PdhsF-eMT4vLWUtbVmuvKPYZQkVjkDSzoHBbwswvMzGPZu_m5_Enrw5bJ80lv5D4jXvvZG4a9qiSiGYh1WAp_XIgeHTSDKp5brE_xK9dynnzPXa0TshwcJaRyaBo93jd_cuEbnnupm2mLIST3Fe3Sg_oYQD6jFa2X26od6Dw6FKF5KcNI3EXID4cePEe3rfztE36EIp-1DyUrlYis9asGnhKonLdNQRNpePVsTVKm8xt6QtArkET3LCyXBe2BKi2LON910OX2sZgEIAgIJnJvry-fOjvV_QmvYgozfvJrhRiX8nvLzpeDZsXDy9mUphzqjXNnBWfxvqQmTDtjuKsnjGcUlsBJ8bioMCm_kRKDvQWaDNDo7-S8bAGTpRYIV73hEplJsRogoKI_mTrdHMHeI-YxOr2ly0tjY-Xu4UmA/435/1UpABuPBTMCqye0lGcOiog/h20/jKQc6CvfAkUPFGa7Hgxjzz3YZlnOLdO0-6RRYpYaI-s> Click to Share <https://link.mail.beehiiv.com/ss/c/C_NHRebYaSznwBoKIxdOS8fI9m88C-v-yEP7ZBvJq7W-9PdhsF-eMT4vLWUtbVmuvKPYZQkVjkDSzoHBbwswvMzGPZu_m5_Enrw5bJ80lv5D4jXvvZG4a9qiSiGYh1WAp_XIgeHTSDKp5brE_xK9dynnzPXa0TshwcJaRyaBo93jd_cuEbnnupm2mLIST3Fe3Sg_oYQD6jFa2X26od6Dw6FKF5KcNI3EXID4cePEe3rfztE36EIp-1DyUrlYis9asGnhKonLdNQRNpePVsTVKm8xt6QtArkET3LCyXBe2BKi2LON910OX2sZgEIAgIJnJvry-fOjvV_QmvYgozfvJrhRiX8nvLzpeDZsXDy9mUphzqjXNnBWfxvqQmTDtjuKsnjGcUlsBJ8bioMCm_kRKDvQWaDNDo7-S8bAGTpRYIV73hEplJsRogoKI_mTrdHMHeI-YxOr2ly0tjY-Xu4UmA/435/1UpABuPBTMCqye0lGcOiog/h21/PU1uPH65Gdf-5INRK27XVAbF4RIvno2KfpoAzvp-IWM> Or copy and paste this link to others: https://winii.beehiiv.com/subscribe?ref=1fGe28cltE Update your email preferences or unsubscribe here <https://link.mail.beehiiv.com/ss/c/C_NHRebYaSznwBoKIxdOS8fI9m88C-v-yEP7ZBvJq7W-9PdhsF-eMT4vLWUtbVmuvKPYZQkVjkDSzoHBbwswvMzGPZu_m5_Enrw5bJ80lv65eWSBQPPui1NCkUmHOjbkmvyJc2HlXgQKOzcR6Vr_Ft6N42xIN8_EgfaCUssAEkMwbm3kTuMazCJUEaccyXTAiJPpyOmO9FRkU8R7nMt57auldOdxdkeDGrSaHLmpQwjIBJflsv7nh-NYmUuVs-NrtWbYj98yCcVCPpHyKTIAIFXItJkW1zHh6IPHI9q2yMUheWHWmfuSEaKzIgLQwWkDvL5LFr8633SXsZ4OHHNThGTcsSdtGGwf8VUzDIR23gI1Z2mqeoVRqYExPGMI4rp3mZJuE3X2mEAmHf9JZSoZ0xQhg71TXDeGIMIHuhiRdqRKWHqPuE5AC-5_kvl9ZXKPsNDeaP8uybdjpFB_Srou86vKhYbHPM0bek8boTmfr8nl1LVo1qcpyGx0KTkbw_EbI9eYB9Cfb1TZM833ltXx6a1yTMq8oNDWOwyMteZGDzDhqbXuJwPXsF3N1y7S1ZahcwwTHccrKIjr0P1uacIg1XeGrjrGPMEn4NwQ-avPUGbPL_e7ZFoPFeriFjKn0b-h_2nC3-ZSnDfVLsRv_JrRp-NHWg8WJ0sysjgHO5m8uzAq3r0n6mO__KWUfuxrXPjX/435/1UpABuPBTMCqye0lGcOiog/h22/IEVyvnvl0aCrsAK1AEEY95dsdn9kYKMGmVSqoBg3a-8> © 2024 WINii, LLC is not a broker dealer or investment adviser. Shared content is for informational purposes only, and are not a recommendation, solicitation, or research report relating to any investment strategy, security, or digital asset. All investments involve risk including the loss of principal and past performance does not guarantee future results. 228 Park Ave S, #29976, New York, New York 10003, United States [image: beehiiv logo]Powered by beehiiv <https://link.mail.beehiiv.com/ss/c/C_NHRebYaSznwBoKIxdOS4Bouk6L-OWVLSNHUcMUajnHq3Wpf5p-xl5SMNGqFn5uY4Js7gomfyxXfF7UQyY1yTDBC8KeKwB1mwfgaYZMX3odzRuad3K7yyhd8BiglmLGqhqjwT35SO3AHYcgoeffjAFfbmBeUGWMDzLEAAKbBfXU5EFdeTPUproIEpEtv9Oq/435/1UpABuPBTMCqye0lGcOiog/h23/kYya6U0vJpVU72YuDhJby3NL_WMaUIGWrYMhI2KFfXs> Jan 22 24January 22, 2024Email at WINii
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