If there’s one thing I’ve learned in business, it’s that mindset around money can make or break your success. And in my latest episode of The Seed podcast, I sat down with Erica Hill, a money reset coach, to talk about all the financial truths most of us never learned—but absolutely need to know.

Spoiler alert: Women are better investors than men (yep, there’s data to back it up), yet so many of us hesitate to take control of our financial future. Whether it’s fear of debt, money blocks from childhood, or simply not knowing where to start, Erica breaks down how to shift your mindset and leverage business credit to scale without going broke.

Raise your hand if you’ve ever heard one of these growing up:
❌ “Money doesn’t grow on trees!”
❌ “Rich people are greedy.”
❌ “Debt is bad—stay away!”

Erica and I unpacked just how deeply these messages shape how we handle money as adults. For many of us—especially women—we weren’t encouraged to take risks, invest, or think beyond “saving” money.

But here’s the truth: Money is a tool. And when used wisely, it can work for you—not against you.

One of the biggest takeaways from this episode? Smart entrepreneurs don’t bootstrap their businesses with personal savings—they use OTHER PEOPLE’S MONEY.

Erica walked through the difference between good debt and bad debt, explaining how business credit (especially 0% interest credit cards) can be a game-changer—when used strategically.

✔ Bad debt = Buying things that don’t bring in money (random office upgrades, personal splurges, etc.).
✔ Good debt = Leveraging funds to grow your business (hiring, marketing, inventory, etc.).

She also pointed out some surprising reasons people get rejected for business credit—things like using a Gmail address for business or having a home address instead of a professional one. Small details that can make or break your approval!

One of the most eye-opening parts of our convo? Women ARE great with money. A Charles Schwab report even found that women make better investors than men! So why do fewer women invest?