Birkins, Botox & Bad Money Decisions ft. Olivia Attwood

The summer was incredible, but I'm already looking forward to fall and getting back into all my routines, eating healthy, the balanced meals with factor, it's really my non-negotiable for a reset. Factor makes chef crafted, dietitian designed, ready to eat meals so you don't have to choose between real food and convenience. Factor meals are ready in two minutes and require no prep and no cleanup. So even on the days your schedule is completely out of control, eating well is still achievable. 97% of users agree that factor meals help them live a healthier life, so you can feel confident that you're already doing something good for yourself just with every meal. I love their salmon burgers and their protein shakes, they are the perfect start to long work days. Let's eat real. Head to factor meals dot com slash Mrs Dow Jones 50 off and use code Mrs Dow Jones 50 off to get 50% off and one free breakfast item per box for one year. All supplies last until 1031, 2026. That's code Mrs Dow Jones 50 off at factor meals dot com. See website for more details. Imagine setting your makeup, then forgetting it's even theirs. Meet new grippy setting mist from Maybelline New York. Gel to mist technology locks in your look for up to 24 hours, with flexible all day comfy grip. No tightness, no stickiness, no residue. Plump, dewy, hydrated skin that still feels like your skin. Try new grippy setting mist from Maybelline New York. Maybe it's Maybelline. I love men. My God. It's like that's been, you know, since I'm 15 years old, that's been my undoing and I always want to have a man in my life. The difference is I know that I don't need one. I love that. What's up rich people? It's me, Haley, AKA Mrs Dow Jones, and this is Financial Tea. You are going to be gagged because none other than Olivia Atwood is here at Financial Tea. You may know her from Love Island or maybe from the multiple docks series she hosts like the price of perfection and filthy rich or maybe from your second screen from her unboxings on TikTok or from her hit podcast, Olivia's house or her radio show on Sirius. I mean, the girl is everywhere. She's nowhere. She's here. She's elusive. She's Olivia. She said I could come in her podcast, Olivia's house. So I'm obviously looking into rewards flights as we speak going across the pond, going to do a crossover episode. There is a moment in the episode I'm going to warn you where I do try a little like maybe half of an accent and then I quickly switch back. So just want to flag that here because it is a safe space. You know, when in Rome, let's welcome Olivia Atwood to the show. But first, let's get into the MDJ market report. What's up, Sippers? Welcome back to the market report where I give you the top three stories happening on Wall Street and what they mean for your wallet. Okay. So the first story, obviously, we are all obsessed with looks maxing and clavicular. And I am soft launching a new trend called expense maxing because this war in Iran, it's not going anywhere. I'm recording this on Monday. Trump was tweeting or was on true social yesterday, like threatening Iran. Like I'm very confused about how this ends and what's going on with this trade of hormones, which obviously we need opened because that's going to drive down gas prices. And when gas is expensive, everything is more expensive because everything revolves around oil. And so I was trying to think about like, okay, how are we going to deal with this? Like we're all just, you know, trying to get by and enjoy our lives a little. And so I do think that I have a solution. It is called expense maxing. And similar to looks maxing, you have to go all in. And it's basically when you focus really hard on bringing down your fixed expenses and you max them out. So like your car insurance, your phone bill, your utilities, I want you guys this week to get on the horn and try to get a lower rate on these things that you are just paying willy nilly every month without thinking about because I swear there is so much room for negotiation with these companies because they live with the fear of God in them that you are going to switch, which is their worst nightmare because it costs so much money to acquire a new customer. So they will pretty much agree to your terms if you agree to stay, especially if you have a car, make sure that you negotiate and compare your car insurance rates. I did this for a few friends this weekend and I swear each of them saved like $500 to $1,000 which I was looking at the data is average. Yeah, we're going to expense max because look, I can't control the war. I'm sorry, I like wish I could and I can't control the price of gas, but we can control, you know, calling our representatives and also making sure that we're not overpaying for things that maybe we could be paying less for. So yeah, expense max, maybe that's the new vibe. Oh, and also if you pre-order the book, I have all of the scripts that I use to negotiate those fixed expenses and I have my car insurance comparison tool that I use to get my friends $500 to $2,000 off as a freebie. So go to MrsDouglas.com/book and right now you can get those and I'm, you're literally going to make back the cost of the book, but also like, you're going to make so much money back just in your budget every week. The next story is about all birds, which like honestly, I was never the loser who wore them. So I feel really good about it, but this was the unofficial shoe of like men who own Patagonia vests and have crypto losses and the stock is down 95% you guys for its 2021 IPO. Like that means that if you invested at the top of all birds, like your portfolio is now basically like spiritually minimalist. But what I think is the most interesting about this story is that when all birds went public, it didn't just sell sneakers. It also sold a structure. The way that they structured the deal was that it was dual class. So that basically means that the founders of all birds got super voting shares and the shareholders basically just got vibes. So like even though public investors put up the money for the company, the founders still had outsized control over all birds. And now that things have gone not great, investors are asking like, would this have actually happened if someone could have just told them no because this is not just how all birds has structured their company. It's like Warby Parker, sweet green, dolingo and snap also have founders who have extra voting power. And for each of these companies, that has wiped out billions in shareholder value. In 2021, when it went public, everyone was optimistic and investors were like, take my money. I trust you, King. But now people are realizing that governance matters. And I think that's really important when you are investing to not know just what you're investing in but like who has control of it once you're in because a lot of times you're not just buying stock. You're buying a seat at the table. Like I always get emails from the companies that I've invested in about like voting. Like, oh, here's this thing that we're voting on. Here's that thing that we're voting on. And it's great, but you don't want to be invested in a company where the founders have locked the door. And I think it's crazy because the trend is totally back. These like Klarna and Figma are trying to use this same structure too. And in a bull market, I feel like investors just forget. But then in a downturn, they remember really fast. So yeah, the lesson here is a, if shoes are ugly, like don't wear them. Like those were never cool. But also if you don't understand who has power in your investment, you don't understand your investment. Our final story is about Alex Earl and her new skin care line real active. I mean, she absolutely crushed they did $1 million in sales in under five minutes. And the products are super accessible. They're priced between $28 and $39. And it's backed by imaginary ventures, which is the same firm that did Glossier and Skims and Westman atelier. Oh, and the CEO came from keels in the body shop. So like, this is not a side hustle. This is a very serious business. And the formulas look good. But I think what's interesting though about the longevity of it is that the marketing doesn't really match the medicine. Like if you follow Alex, you know that she's done acutene three times and that she is currently on spiral act tone, which is another prescription acne medication. And like I never had really bad acne, but like I have a lot of friends who did and that is what cleared their skin. It was never like a topical lotion. So I just feel like the brand messaging of real active is that the products did that. But like it's a medical condition and it doesn't seem like it cleared her acne. It seemed like medicine cleared her acne. So consumers are smart and it feels like there's a little bit of like lack of transparency and like the narrative doesn't 100% work. Like I think it would be a lot cooler if on the website, it like told you that you should use this with taking a prescription medication and using sunscreen, you know versus just saying, like, okay, here's the Holy Grail product that saved the day and like changed my life. But the other contradiction that I'm noticing is that the campaign is sort of all about like making acne hot. Like the visuals are all of Alex with like her clear skin, they're after shots. She looks perfect. So it's like, is the brand about normalizing acne or is it about this idea of fixing it? And as consumers with influencer brands, especially it's really hard to discern because so much a marketing is selling you a feeling versus a product. And so we all want to feel like Alex Earl. So that's why it's so successful. that in order to get people to actually buy it again, you have to have. formulas and it has to actually work. Look, and crater brands are obviously incredibly powerful. Like this was an amazing launch, but harder to sustain if the marketing story doesn't hold up and if the actual product sort of suck. So I feel like she has infinite attention. She's obviously a marketing genius, but I'm also wondering, like, can she build clinical credibility to match it? Because if she does, it's a huge opportunity. This could really be the next proactive, but if not, then it will just be like a crater brand that flops. And there's a lot of those. But I don't know. I'm rooting for Alex. I think that she will be a billionaire. And I think that building in public, like we saw this with metal lane is so powerful. And so even like I saw a tick-tack of her earlier about how like the pump for the moisturizer doesn't work that well. And so they're working on it, but she did like a tick talk that was funny about it. And I just think like that transparency lets people give her grace as she figures this out. Okay, now let's talk to another viral influencer, Olivia Atwood, for one of my favorite episodes of Financial Tea. Okay, this is a huge moment for me. Olivia Atwood, my absolute favorite Instagram follow. I've never even watched Love Island. I just know you from socials. I'm like, there's my diva, there's my queen. Like the most hardworking girl in showbiz and most beautiful girl in showbiz, you are here at Financial Tea. I could pinch myself and I'm just so excited to talk to you. So thank you for being here. Thank you so much for having me and your client intro. We have an Instagram friends for a minute. We really have. I'm like ready to come to London to like have a crazy night out with you. I want to forget, I want to forget like everything that's happened in my life. Oh, you'll forget everything you can. That's what I want. I'm really looking forward to blacking out together student in the UK. You can definitely clip that. Okay, so just to ground everyone. So you broke out on Love Island, which is a show basically about romance around nine, 10 years ago and have since turned it into a full on business. Like you're here to promote your River Island club. I was telling you, I couldn't even get the pieces that I wanted because they're already sold out. So next time you're telling me to hook you up. Okay, I would don't have to tell me twice, but was this always the goal? Like at which point did you realize you weren't just a reality show, but that you were actually like building a company and an empire around your name? Because that takes a lot of strategy. God, you know, I think the first year out of Love Island didn't really have a clue what I was doing. That was the year of just kind of finding my feet. Series three for people who aren't familiar with the love Island UK series was like a break out series. It kind of changed the culture of the show. It blew up in a way in the UK and then it also made its way over here that we hadn't seen in series one or two. So our expectation as cast going on was very humble. Like, I didn't have big expectations. I was like, I would like some more Instagram followers. I'd like some free clothes, some free tables and nightclubs in my friends. That was about the extent of it. And at that time in my life, I was kind of, I'd say I was feeling a little bit lost, a little bit stark was kind of floating. There wasn't much direction and they reached out to me to go on series two. I turned it down for a boyfriend, never turned on opportunities for boyfriend, so we can get into that more later. That blew up in my face. And then some of the series three came around. I was like, okay, let's do this. What have I got to lose? That was very much how I looked at it. And then I'd said, took me a year post show navigating kind of overnight fame, loads of Instagram followers, just kind of finding my feet with that where I realized I wanted to be in television. And I wanted to, you know, have a credible reputation in that industry and kind of make my mark. And then everything I've done since then has been very intentional. But I would say the last three years, I'd like really kicked it up a notch. It's just, yeah, you've, you're in your long long long season. I mean, you really are the busiest woman that I follow online. Like, sometimes I get worried for you. Like, I'm like, how's her health? Like, are we getting an IV? Like, how she's slashed? But like, but I love it because I know that you are securing the damn bag and that you're buying damn bags, which is not so cheap. So can you break down all your income streams for us? Okay. Income streams. So the, the, obviously, first one would be television. This is not an order of what brings in the most, by the way, but television, my podcast, like television, not at the top. It's not, it's not, unfortunately, the climate is a bit different now. My podcast, commercial deals, Instagram, working with brands, my radio show, then I'm going to partner in some businesses this year. But that's kind of the, I have, I suppose you can't, I was there in a day, but this year, I want to get some roots and just kind of start like sweeping up some equity in some companies, just because I've now monitored and tracked my own selling ability. And I know, I obviously, I do take healthy deals with brands that I work and sell their products, but I'm kind of now thinking, okay, shall I? And I've narrowed it down to like bigger long-term relationships with brands that are really, really like the align with me. But now I'm thinking, okay, maybe it's time to sort of sell some stuff myself. I love that. We're in our Kardashian era. And very much in the sense of, because I know that there's no point me turning around going, I'm going to start a fashion brand tomorrow, because do you want that market's terrifying? But too, it's like, you need that to be your whole purpose. I'm trying to sharpen like lots of different areas. I haven't got time to run the day today. So I almost would like to, you don't always have your fingers and lots of pies. Yeah. Rather than trying to have one whole pie, my sort of my outlook business-wise this year is like lots of different things in pies. Do you want to share the companies that you want to keep? I'm looking at like drinks, I think would be good for me. I love that. Like a energy drink or a cocktail? I think a cocktail is more aligned. Okay. Dictate. I'll obviously drink it. And what makes you the most money and how much is it? Can we name some numbers? I mean, it's a financial T. My god, my father would just, I mean, if I drop numbers. People love the numbers, unfortunately. But you could, you could give us a ballpark. I would say there's so much curiosity about like influencers, like how much they make. And it really is like, you are your own marketing funnel to Garnier to really huge brands. In stand-alone projects, I guess commercial collaborations bring in the most for, I guess, the less output. Less output in the sense of making a documentary. Sometimes we can film like 10, 11 hours and we might get three minutes of footage. So sometimes even if it's a healthy fee, when you break down the output for like, you know, the bang for your buck, it's, you have to love it. And I don't know what it's like in the States. I think that, you know, television probably pays more because you have this bigger audience and you guys put loads of so many commercials. My god, the so many commercials. So crazy. You forget. So I think that in the UK, yeah, you're having to do outlay quite a lot more on the back end. We don't want to say numbers of like how much we get paid for brand deals or things like that. Do you know what's really bad? And don't be like shot by me. I am across my situation. But I'd be so wrong scared that I would just say wrong. Like because I obviously have management and like, I have to do it. Yeah. And I always am on the sign off things, but I wouldn't want to specifically. I don't have an NDA by most these brands, probably on fees. Yeah. For sure. No, I totally get it. Well, the other thing that I love about you is like you work hard, but you play hard and you spend hard. So obviously you have amazing style. Like we all want access to your closet. You love to shop for designer things. And I'm always so jealous of your unboxings and your immense trouble bag is so big and cool. I'm addicted. So, but when you go shopping, like how do you know how much you can afford to spend that day? Like who helps you sort of manage your personal finances? Are you managing them? Like what's the cap? So I have a bank manager like with my private bank and then I have an accountant. So there's different people overseeing my financial right outlay, like what I own tax, what I own VAT and all that stuff. So I always know, I'm never spending money. I don't have. I've never bought a handbag on a credit card. Even before I had, you know, money, I was very much bought up to like things like that are, they are, you know, privileges that you get to enjoy on the back end of doing the work. It's not the other way around. So even though I think that I, and I want to, I started to kind of intention in interviews, like make sure that I come, I'm explaining the way I, my relationship with money to my audience, because what I don't want to do is is negatively influence my, especially my young female audience that buying things like Chanel, handbags, Gucci, that is a priority to my priority. Like you need, you know, you need to get your ducks, you need to save them, you need a house, you need all those things, then they should not, the bags are the later. And I think you like, you kindly pulled up an interview. I did once and put it on your story. I talked about it. And I was like, I think sometimes that content does really well. People love living by kerosene through people watching unboxings and stuff. But yeah, I never spend money. I don't have. And it always see, you know, you talked about this really recently on your page. And it's really interesting that there's a lot of mystery around like bags and investments and all that. Like it's a very fine line. And I, I don't purchase anything with the sit full of, I'm going to get back from this. Yeah, it's just fun fashion. Yeah. And it's some of those bags will maybe gain value. And if I want to sell them, I, I could, but I buy things that that within my mind is that I'm going to hand them to my daughters, all my son's girlfriends, all my, all my sons, you know, and they're going to stay in the family. Yeah. So that's the best case they're going to stay in the family. That's how I see them is like, they're kind of things that are going to, yeah, I'm going to keep for a long time. You, I mean, you talk about the RMS game. You definitely have the hook up now. Like at what, at this point, can you just get whichever bags you want? Because you're such a good customer. Like how many RMS bags? You're like, this, uh, it's honest, when this goes out, it might have changed again. It changes so much, and I get so confused, but in every country to fit, in the UK, I think you're allowed to quote a bags a year, which is basically like Birkin or Kelly. And like anyone who's shopped to Emma's nose, they often offer you a bag, so you can basic special wish, like the colour, the style, whatever. And then when you go in store, or they might complete your wish and email you and go, we have this exact bag, and then you have 48 hours to like come and purchase the bag, or if you go in and you'll do an essay and you have a good relationship, then they might come and offer you a bag that they think you might like, but it might be something completely that's not your taste. And it's like you can decline the bag, like you don't just buy something just because, you know, someone's offering it to you, so yeah, so I'm the same as everyone else, put luck. I have been really lucky, I have had wishes completed, I have shopped about the brand in an intentional way though, once I knew that I wanted like for some of my black Birkin, gifts and things that I was buying for weddings, big birthdays, but I started buying them from MS, because I was like, I'm going to build that like client portfolio, and I was buying stuff from the question for my sister, like I was like, it's stuff that I might go and buy from Harrods, you know, I don't know, a candle, I'm going to buy it from MS, because that, I was trying to obviously be offered the bag that I wanted, and I was, so what would you say is the smartest financial decision that you've ever made? Probably some of the finances I've made in the last like three or four years, and that's basically something that's really hard for an utter control freak, and that's delegating. So like so hard about the way people do help with my agents, my PR, my, you know, my housekeeper, things that basically start trying to, like, start trying to do everything myself and delegating out a little bit more, that I always think that if you're in a financial position to do that, it will pay you back £10,000, and like even things like, in my industry, it's specific to my industry, good glam, right? Like the right clothing, like, you know, that stuff, things a little bit on when you're seeing it leave in the account, but I have it literally tracked the ROI. Yeah, I've tracked it. I'm now seeing the rewards of that. I bought my first property pretty young, and that served me quite well, but that's not something I'd recommend to everyone, but at that time it made sense. Yeah, and probably also you were like just coming into money and you wanted that security other house. Like I was watching your show, Filthy Rich, and the one with the only fans girl who bought a house all in cash. And I was like, you know what, I honestly got it. Like you don't know how long this crew is going to last. Like you want to just like have that whole block down. And you know, not leaving money sliding savings accounts. Oh, thank you, girl. So, and I don't invest my money. Like I have an investment team that do it. You know, like I, there's not enough hours in the day, and I'm not educating enough to do it, but I think yeah, don't be don't fall into the trap of letting money sit, especially with, you know, the way that, you know, the market, the pollution, everything. Well, you're a low-key financial queen. I love this. Like nailing it. What would you say is the dumbest financial decision you've ever made? I think chasing trends at a time like, you're like rushing and like thinking, like, what are you using in my own brain? Like, and it's such a, this is such a girl thing. It's like not girl thing. Actually, men fall for it too. They do it with watches and golf clubs, but it's like, what's about it? Do I even like this? Or am I just like being told this is the bag? Like, you know what happened to me? Yeah. So many things that I've looked up my watch. Why the fuck did I buy that? And then luxury cars. Wow. I've never seen a penny. Like, I've only ever, it's a pure indulgence. It's just, and it's a money pit. Yeah. So with the G-wagon, the G-wagon was my dream car. It was like a go-a-set for myself. It cost me like a fortune because we don't have the tax right off for the G-wagon in the UK. I'm going to say, you get the US, you get the tax rate off and put it for the company. You can't claim anything back. Obviously, petrol prices in the UK are super, super high. So enough. The only thing that car bought me was just a really superficial joy. Yeah, look, probably financially. It was a fucking pain in my ass. And cool picture in Instagram. There's an argument to say that, you know, like, having that car was a talking point and I created content with it. And there's always an argument. It's an extension of people associated that car a lot with me. But yeah, any car, all the cars I've bought have always been a financial liability. I mean, luxury cars are the minute you drive them off the full court, then they lose their value. So I can never accept. The summer was incredible, but I'm already looking forward to fall and getting back into all my routines, eating healthy, the balance meals with factor. It's really my non-negotiable for a reset. Factor makes chef crafted, dietitian designed, ready to eat meals. So you don't have to choose between real food and convenience. 97% of users agree that factor meals help them live a healthier life. So you can feel confident that you're already doing something good for yourself just with every meal. I love their salmon burgers and their protein shakes. They are the perfect start to long work days. Let's eat real. Head to factor meals dot com slash Mrs. Dow Jones 50 off and use code Mrs. Dow Jones 50 off to get 50% off and one free breakfast item per box for one year. Wall supplies last until 1031 2026. That's code Mrs. Dow Jones 50 off at factor meals dot com. When you put your body in the hands of a surgeon, you assume your doctor will do you no harm. I'm looking at the surgery board for tomorrow. These people are **** crooked doctors have launched their most ambitious fraud yet worth over one billion dollars. One doctor says my kickback was 25,000 and the other doctors go and while we got 12,000 from Sony music entertainment and western sound, this is Dr. Billions coming October 1st to the binge. Listen wherever you get your podcasts. I personally, I'm about to turn 35 in July and literally all of my friends, have babies are having babies like or are trying, yeah, are trying to have babies and I feel like the only registry that I really could make is like that I have my book coming out future rich person like let's celebrate that and I feel like gorgeous. I'm obsessed with the blue and the yellow is gorgeous. Thank you. Thank you. It's really cool. It's going to jump off the shelves. Thank you. You know, that's just what we need, but like I feel like you're in a similar phase where like your gas is on the pedal with your career, but it's sort of from what I follow on social media. A lot of your close friends are settling down. They're starting families and you're building something so much bigger. So how do you handle that pressure like when the traditional timeline and like your personal ambitions don't line up? Like do you ever feel as a woman like you're quietly judged if your life doesn't follow the classic order of like marriage, then baby, then probably not career. You know what I mean? I just think guilt is a default, fault-hute female setting. Like I think that we are guilted by society because sometimes guilted by family and friends. And you know, as you know, I've recently separated with my husband and it's, you know, when you know that the person in your relationship is maybe they're wanting kids like yesterday and you know you're not quite there that you're watching your parents get older and your family. That's the worst part for me. Yeah. And I'm like I don't want you to miss, you know, if I do have children in the future, I don't want it, but that's not that these are not the right reasons to have a child. Like they're not. And do you know what's really interesting is that yes, a lot of my friends, like most of them have babies now in the last five years, but what you do get when you have real girlfriends is that, you know, some will say to you, don't let anyone tell you that you can do what you're doing right now and be a mother because people love to go, "Oh, you could do it. You could get a nanny." And like I'm like, what was that? But I don't actually want to have my kid and then be out six days a week filming and literally come home at 10 a.m. a night and not and miss those formative, like months, like first months. I don't want that. So I think that is what you do get when your friends are having kids, they'll tell you this is fucking hard. Yeah. Like this fucking suck sometimes. Yes, I love this baby. Yes, I'm like, you know, in like in love with my child, but you do get a bit of a reality check as well. And so I think that also when you didn't have kids young in your 20s, so now I'm in my 30s and now I'm making like real money and you're in your peak earning. I have this all this freedom. I'm like, my god, this is great. Like, you know, like I think some people, like they have kids younger and then they almost never experienced the truth. Yeah. You're like gap between like being in your parents house and being under there and then you try to jump into your next sort of. Yeah. Now I feel like I'm in this genuinely like free era. I feel the same way. I just, I'm enjoying it so much and very protective of it. And yeah, I'm very, I think that having children is like, trivialized so much. I think you, I think that it shouldn't just be a box to take. Like you need, you need to want to be a parent. And that's not something that I, like I'm yearning for right now. Yeah. We're the first generation of women to really have that freedom. Yeah. Like for it to be glamourized, like it's not like spin survives. It's like no, like powerful hotties, like we're just like getting rich and like waiting for someone to meet them at that level. And like people love to hop on about, you know, we're in a throwaway, like air of relationships. It's like, it's not we're just the first generation of women that can actually leave. Yeah, and can truth. They can leave. Yeah. Like and that's just, and they know that it's like, that's a sad reality. It's like that so many of our grandparents, great-grandparents, they, it's not very Maybe they wanted to stay with a great grandfather. They didn't have a choice. - Well, they couldn't even get credit cards in their own names. They literally, you're a way of having any sort of independence from your nuclear family was to get married. There was no other path legally. - No. - So, like the paycheck. - Yeah. - Do you find that men are intimidated by like financially solvent women? - Some, and it was never an issue of my ex-partner. And you know, a lot of men that I know it's not an issue, but some. I think for some men, it's a point of insecurity, but then I just, I think that then that probably is an insecure male across the board. - Oh. - So I obviously think it's isolated to finances. I think it would be like how much space you take up in a room. Like how you dress, like how much attention you gain from, you know, not just men, but people in general, how you command a space. And I think that, you know, some men, and not all men, but some men would not raise to handle women taking up some space. So I feel like it's, yeah. You, there are men out there that are really comfortable and really like supportive of us going and, you know, making something about ourselves and taking up the space that we deserve. But there's some that are uncomfortable with it. And that's a them issue. I'm not going to question for a hundred percent. - I'm a fucking time. - No. - I once told my ex that I wanted to have a big life. And I think that his penis literally went back inside his body. Like he was so scared. (dinging) - Have you ever had to shrink yourself in a, like a little to keep a relationship comfortable? - I felt the resentment of past partners. I think I, I, I, as a young woman, I, I chose a real couple of ship bags in a row who would constantly tell me, after I've been out, you're so annoying or you talk too much or you're, you're so loud or you're, you know, it's like a, and that kind of little, like that commentary just starts to sort of set into your subconscious a little bit. And so I kind of, I was made to feel by a lot of ex points. I thought it was difficult to love or difficult to like. - Yeah. - And that's something that, you know, I can always credit to, to, to Bradley, like, you know, my, my ex that he, he definitely, like, healed that wound in me 'cause he, he never made me feel that way. - That's so nice. - Yeah, I love that. Well, what's so interesting is that there's all these stats with Gen Z that they're like swinging the pendulum back. Like they want really traditional ideas of partnership and gender roles. And there's like a lot of openness. And I feel like trendiness online about being taken care of financially. Like the trot life narrative, all of this. So I'm curious like what it means for you to be in a relationship to be financially independent. Like I always say that I'm a gold digger who has her own gold. - I'm obsessed with that. - Like we don't want to, we don't want to be a nurse or a purse. - So I think that the worrying sort of clamorization of traditional home lives online, I think things, like you said, it swings like a pendulum, doesn't it? And I think things then happen politically that it kind of have a knock on effect. And I think that you can kind of see it bleed through. The thing is what I would say is what these girls, they're a lot of the trad wives that you follow online. I'm making a fortune. - I know. - Of selling a lifestyle that they're not actually probably really living. So just kind of take it with a pinch of salt. But I think all you know my opinion on this, all human beings should be financially free. Because I don't see how you can be in a truly equal partnership with someone if you don't have the tools to leave. Like going through what I've gone through the last few weeks and months, it's like I've just thought this is so hard. And it's such an experience that, you know, you just heartbreak, relationship breakdowns, they suck so much. And it's like, I just thought- - That's one of the worst things. - Imagine doing this and I didn't have anywhere to go. Like I was able to go, like rent my own apartment that week, like get my own car, you know, I just, and I was like really sitting back and thinking, I'm so glad that I never rested on him. I never rested on my laurels. Like because now I don't have, do I need to go shading? I can make the decision that I want to be and definitely somewhere I'm happy and that's what I'd want for all women. - Yeah. - I interacted with girls at football clubs when their partners or players who are experiencing, like infidelity and they would talk to me and then kind of confide in me and be like, I'd be like, you have to go. And they would literally say to me, go where? Like it's not my car. I don't know, I don't, that the cards are in his name. Where am I going? So then the alternative is like staying their lovely big house which is not even actually theirs or going back to their parents. Then a lot of people are staying in relationships for the wrong reasons. - 100%. - And he's to break my heart a little bit 'cause I just think these are smart girls that went to uni, like had jobs and they kind of put everything on the back burner to support this guy's career. And now he's treating you poorly, but you feel trapped. That's horrible. I wouldn't want any of my friends or my family to be in that situation. Have a fuck you fund. - Just have, yeah. - Yeah. - Yeah. - You always have to be able to leave. - Yeah. - Like you need to always have like your plan B. I know that like prenups used to feel super taboo, but now it feels like they're sort of like becoming more normal. Like do you think that successful women should always protect themselves financially in relationships? Do you think it's awkward to have that conversation and like in your experience? Like how do you manage protecting your finances if you are like? - I'm not opposed to, I think it's a smart thing to do. I know in different countries they have, and it depends how you need to have your own lawyer look over and they have different degrees of how much they stand up and when things come to an end. But I think it's a good thing to have. Everyone is, this is controversial. I feel like Bethany Frankles that this recently, and I listened to her and I was like, "Shit, I'm really fucking agree with that." I don't know if I'm actually that excited by the idea of legal marriage at all. - I'm trying to stay away here, that on the show all the time. - I just kind of wonder like I'd rather in the future, I don't know, I never say never, but it's like would I rather just have like a big party and like a bit of a like, like a celebration and a commitment ceremony? Rather than do we, I don't know, do we need to get the legal part of it involved? - Well, I think that when you are, when you have a lot of financial independence, like you, it's not as necessary, but like I know women who don't have that and then have like a baby with a kid and you're not, and that you're not legally married, and then it's like the, you're not on their insurance. And you're like, like there's just like all these like little, or you can't file taxes jointly, like, but I agree for someone. - I'm looking at it, yeah, for my side. - I can feel it, I agree. - You know, and also there's someone sexy, but it's like you're gonna marry someone and you are gonna legally like bind yourself to them. It's like you need to understand their financial hygiene. - Oh, really? - Which is so awkward. And it's something like, you know, I'm a little bit loud, the gate with all this, but understanding your partner's relationship with money, what they think is, what they want to spend money on. Like some people are like, they want to live in the big house, big car, do less holidays. Some people, they want to live a small house, they want to go loads of hoes. Some people, they gamble. Some people, they, you need to under, you need to have real financial understanding of each other, which I think when you're young and in love, it's awkward. - It's awkward, isn't it? - Yeah. - It's the last thing you fucking, you think you're gonna work it out later. - Yeah. - And we have, we have, we have love. So everything else, like we watch the Disney movies. So like that'll get us through. - And later comes around the corner really fucking quick. - Oh, that cow is gonna come, girl. - And the wedding, the wedding. I mean, no wonder it's like a multi-billion dollar industry because as well, I just, you're starting married life by basically just seeing off a whole other cash. You probably should do something else. - Oh my gosh, 100%. - There's such a liability and they're so, they invested the 50K that you put into a wedding in 30 years. It would be like, and you got like an eight or 10% return, it would be around $850,000. - So is she seconding? - We have a trope on the show, which is like how she could as to be like, rich older woman who with boyfriend who like visits her at night. - It's sassy. - Yeah. - That's the goal. Like, yes, you're gonna have a partner, but it's like, maybe you have separate bathrooms and like, you have separate bathrooms. - Yeah, like, we have like a little bit of independence, but like, we're still getting lead and like having like someone fun to hang out with, but like, you know, rich older woman with boyfriend. Like, that's like, not older event. - Just rich woman with boyfriend. - Yes. 'Cause it's like, what? - I like sort of sexy, like Goldie Han had it right. - Oh my god, I'm obsessed with Goldie Han. - Yeah. - It's like, I think sometimes when I talk, it's like I never want to get misunderstood for being someone that doesn't like men or I love men. - No, it's like, that's been, you know, since I'm 15 years old, that's been my undoing. And I always want to have a man in my life. - I love that. - I want one. - There's so fun. - Yeah, that is fun. - And I know it's better than a wet phone. - Yeah. - We love it. - Okay, guys, when I first started Mrs. Dow Jones, I was selling a lot of merch and it was a business idea that I was sitting on and then I set up Shopify and it made it so easy to get started because they truly have everything you need to start selling and you're ready from day one. Including the moment your first customer is ready to pay, Shopify checkout helps more customers finish their purchases and when they come back, their details are already saved. 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It is this countertop water purifier and it has been tested and certified to remove 84 contaminants including crevver chemicals and microplastics. It has this patented four-stage reverse osmosis system that goes way beyond ordinary filters. Aquatrue has been featured in business insider and popular science. So go to aquatrue.com now for 20% off your purifier using code financial tea and aquatrue even comes with a 30 day best tasting water guarantee that's aquatrue.com aquatrue.com promo code F-I-N-A-N-C-I-A-L-T-E-A. Okay, so I want to talk to you about the price of perfection. I binge like all of your unfortunately because I'm in America. I had to email your team to get like special VPN access. Oh my god, they need to come on. We need to get beneath that stuff on Hale. We really do because I would be I'm like dying to tell my friends about it but they have no access but special privileges. I got to watch filthy rich and the price of perfection. So and you're obviously a beauty queen like it is insane sit next to you like stunning have to wear sunglasses. It's just blinding my eyes. Can you talk to us about your history with like aesthetics and surgery and like how the show has changed your perspective on it at all? We know there is there is a social currency the way we look and it like there are I'm not going to pull stats because they'll get them wrong but there is a literal correlation between women. Yeah. In the workplace and how they are more there you go. Yeah. So there is there is a payback and my job is the difference obviously where look is like heavily part of my you know my USP and what I'm delivering. So it's like I and also not just how I look how I feel so I can be confident and you know deliver and do my job. But I think that there you know you was what the pink tax like we are this that machine that aesthetics machine is and all the things they tell us we need and all the things they tell us is wrong with us. Is this terrifyingly effective way of just bleeding us dry so I feel like women need to go in with their eyes open everything in the assess industry has been designed to make money and basically like prey on our insecurities. And there are subscription services too that you need ten of these. Yeah. You need five. Of course you fucking do. Yeah. Yeah. If I designed a machine you need 20. Of course. So you need to you know won't be really savvy. Shop around like you are for anything else. Don't go to your first the first Medi spa and then sign up shop around this happened to me with so first of all I am in a terrible position where Botox stop working on me. What? Yes. So like my head is miss. I've spent like thousands of dollars making sure it's not a myth because I've like gone I'm getting good. This is what I'm getting that filler like it's not full of it. No, that's what everyone always says. I've gotten them all doesn't matter. They doesn't work anymore. And I have to switch to strain a but it's more expensive but in only last for a fortnight and it's like just I need to go to Korea girl. Yeah. Oh my god. I need to get a forehead lift in Korea. That's what's happening over the summer like we're going to do something but like the I find I wasted so much money on that journey. And so I'm wondering like what treatments do you think are really worth the money because I think that we get first of all every girl in my audience just thinks that okay if I'm doing anything ascetic I should do a laser first. I didn't laser first guess what happened to me. I got Malasma. So it's like because my like we see this. It's unlucky because I think it's the two most rareest side effects I want you to put on these rare people that both of us work. And Malasma has a side effect from laser again. No, I know literally like and I'm like what do I do like I'm getting microneedling I'm getting chemical pills like I'm trying to it it is it shitty but like I I want you to tell us like what's worth it and what's not worth it. It's so personal right and if you're going to spend money. The way I see it is like what's that is there something that bothers you so if it's your skin or it's your nose. It's something that you think holds you back when you walk into a room and you're that's what you're thinking about is your teeth. Then that's what I prioritize don't let someone tell you I don't let society tell you all you need to do so too lazy because everyone else is doing it. Yeah, I don't mean fractal. Yeah, so it's like I would feel like look think about because it might be nothing don't get just like absorbed by the noise. If there are things that you would know if I improved on that right I'd tweaked like I would feel more confident. I feel like I better stand up in that meeting and assert myself more because I I'm not you know so I think you know I know people that been so self-conscious of their nose or they've got bad skin. So that's where I would put your energy in your money then shop around because this industry is riddled with charlatans like they are everywhere they are everywhere and it's a muddy spa that you're very loyal to. I do have a doctor. Her name's Dr. Salina, Dr. Sal she's you know went to medical school she knows her stuff she tells me straight the amount of time and she's marched me out of her clinic you know and I've asked him what is filler and she's like no you're good. Yeah and I'm like no I want it and she's like so she will she will cut the ship with me like when I did my jaw tie because I had this like this it was a genetic double chin because like I was slim there was like it was not like I had fat around my face. Every time I saw myself on telly it used to just annoy me so much yeah and she was like yeah you've got a little pocket of fat there that's like genetic like let's suck it out like you know that she was honest with me that she what I saw but then I've talked about things that I've seen and actually I do a lip flip and she's like no yeah like you know so I think you need someone that you but I would yeah shop around and and don't let someone tell you what you need think about if there might be nothing and also two young girls and men watching this but just interfering with us interfering with yourself apart from good skincare creates more problems down the line so everything becomes a tax you will continue to pay for news I'm on my second set they cost an absolute fortune my last set cost me about 20,000 pounds boobs I'm on my second set because the first I had done when I was really young and then one started to like move off to the side again luckily I was earning good money from love violence so I could get a really good surgeon you are when you start interfering with yourself you do are creating problems like and then you will have that full the rest of your life that you have to maintain. So don't put yourself let's bring back to finance when the financial T don't put yourself in a financial liability because your friend went and got you know fight knockers you don't and if you let it's something that's literally consuming you when you get along you on this earth you know the less times you do something when it comes to cosmetics the better scar tissue complications everything gets more risky the more times you do yeah like I think Chris Jenner's on her last piece left like they're not going to put that girl under again to do like that's a serious surgery. But the only thing is the sad thing is and then there's a medical professionals someone would I know someone will always do it. So that's the other thing is like you know don't think that yeah don't think because someone's a medic that they always have the most the cleanest moral compass because some people will just take your money. That's why we say like if you're going to do surgery I'd say four or five consultations minimum. Okay, I was looking at some of your comments and just like as someone also in your audience like I feel like you have the most supportive fans and it's also crazy because yes you post sometimes when influencers post like the nice. So you're not just an influencer your influencer your TV like icon you're like there's so much more I didn't want to sell you short with that but it's you have such supportive fans like how do you curate that relationship because I also think it's interesting that they when they see you win they want to see you win versus like being jealous or like being like why'd she buy that bag again like they they love you and I'm in it that's like I love you like if I see a story I see a post double tap right away girl like not even looking at the post yet I'm just like oh Olivia's out here yes please gosh you know like for me to answer it it's a little bit difficult but I think what it is that I tried to like people do ask me that question I tried to kind of examine it and everything that I post online I tried to keep as authentic as you can with Instagram I try and keep it quite real my audience and cut free some of the bullshit I also feel like I try and keep and I have a very I have my friends and my family keep me very grounded I think what happens with a lot of influencers made people in like media they become so detached from reality so it's like you know when I'm about to jump on my stories and moan about something it's like just like temperature check how this gonna land because like we're in a car to live in Christ say people have real problems or whatever is that like whenever anyone says like oh my god my plan is delayed I'm like shut the fuck up like so you're on a plane like congrats yeah so and I and I sort of you know so I and I do have a lot of advice you know I said I hated moving but like I can't be out with Spain like by the way I know I'm lucky that I can move into a new place so I think people appreciate you just kind of you know just checking yourself like just just have to have you have a reality it's so grounded and also my audience is like they some things people who follow me they won't be able to relate to things in my lifestyle but there's always of a liability. This was a through thing. So it's like, I can try and keep it kind of messy, kind of unfilled, say, like, you know, well, the vulnerability is really amazing to like even with your breakup, like I feel like even before it was announced hearing you say, like marriage is hard, like it's hard that I'm working a lot. Like it was like, I'm always going to say the thing that no one else wants to say. Yeah, I'm like was so compelled by that. Thank you. And I think it's so brave, but also probably nice to get the support of everyone. They are very lucky. And also, I just call out shit as well. Like when I have people on my podcast, like the other day, someone from my team was like, Olivia, like, I have this one against my podcast and someone just wrote a really unkind comment on it. I just feel like she went back. I'm like, we don't fucking need you. Don't watch on the podcast and get off this page. And one of my producers was like, right, for this month's sake, can we just like keep the effort? So many of them, I was like, no, I'm not having people being mean to my guess. So I do call out bullshit as well. I love that. Okay, last question. You're obviously so ambitious, so successful. I know you're manifesting your private play. And I do want to go on it. Absolutely. But what is like your ultimate goal? Like what does it not look like? I feel satisfied with my achievements kind of inside work and outside work. A bit like a little bit. I don't believe I'm a big believer. And again, this is a very much a privileged thing. And some people work to survive. But I don't think you can have something kind of extraordinary by having balance. What I want is not something. And I don't think I need, I don't want balance right now. But at some point I'd like to be able to have more of a balanced life. Yeah. But that's why we freeze our eggs. We can do it later in life. Freeze our eggs and invest our money. And that on a t-shirt. Yeah. And I completely agree. Like you can't get to where you want to go by having your foot just like by trying to speed them in. You can't do like nine to four. And then yeah, I'm going to break through kind of the norm. So but then some people that's what they want. And that's fine. Yeah. Also. Okay, you are like me. I'm so excited that you're here. This was an amazing interview. Thank you so much, Olivia. I know that you have to run. I love this interviewer. And you asked, I love having a conversation. It's slightly different to like all the other conversations I have. But because it's like, I think it's important. And I think what you do great work. And I'm going to be behind the book. Please buy the book, future rich person. Also, we listen to all of your names. Just amazing. Okay, good. But that's like what we're trying to be. And you have to come to Olivia's house. So you have to make a trip to London. I'll literally come to promote the book. Thank you so much for being here. And also, as I would say, we listened to all of your other interviews. And it's like, that's what we are craving. We wanted to hear you talk about like your business and your empire and like how that functions with your personal life. And I just appreciate your can, your, your honesty so much. Because I think it's going to help a lot of people. Thank you so much. Thank you. Meet new grippy setting mist from Mabelie, New York. Gel to mist technology locks in your look for up to 24 hours with flexible all-day comfy grip. Just plump, dewy hydrated skin that still feels like your skin. Try new grippy setting mist from Mabelie, New York. Maybe it's Mabelie.