Morgan Riddle: Never Let A Man Pay For Your Lifestyle! The $1M Exit Strategy That Bought Back My Freedom

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Visit northwestregisteredagent.com slash HSR free and start using free resources to build something amazing. Get more with Northwest Registered Agent. Northwest Registered Agent at northwestregisteredagent.com slash HSR free. Right now, then this is a job for Indeed Sponsored Jobs. Noted are signs of mild to moderate dehydration. Consult a healthcare professional if symptoms persist. When you decided to obviously go off on your own and no longer the most powerful woman in men's tennis. I think I still could be. Yeah. Okay, wait. Talk to me about what are the signs that you've outgrown a relationship? Were there people in your life that told you to stay? Not a single one. It ultimately came to the point of if I don't choose to do this, I'm going to end up paying for it. Did you have fear around if you break off this relationship? All of this life that you have built can go away. Really, this is the first time that I'm publicly even, I'm still trying to process. I'm still figuring it out. Hi, angels. Did you know that subscribing to our channel is free? And it's the simplest way that you can support our show and help us grow. If you do this, we can bring you even more of the content and the guests that you love. All you have to do is just hit the subscribe button below. So please, if you wouldn't mind, subscribe to the channel. And thank you. In case you missed it, you're allowed to be hot, smart, and rich. So let's get into it. Morgan Riddle, are you ready to get hot, smart, rich? I'm so ready. You have been named the most powerful woman in men's tennis to now the world's best ex-girlfriend, reportedly earning $1 million. You've been named the most powerful woman in men's tennis to now the world's best ex-girlfriend, reportedly earning $1 million. You've been named the most powerful woman in For someone that's not familiar with Morgan Riddle, what would you tell them to get them to stay based on what we're going to talk about today? Ooh, if you are interested in fashion, sport, female fandom, if you want advice on a pivot, it I think that's probably something that I'm pretty good at at this point okay so you entered into sports as a wag yeah which a lot of girls want to be a wag can you describe oh I know what it is like to be a wag it's glamorous in a lot of ways and it's also really unglamorous in a lot of ways and I think any wag would say this it's a full-time job to be a partner of a professional athlete it's highly emotional you're tied to them in their career in a way that's not typical you know I think in everyday life husband and wife both work a nine-to-five they say goodbye to each other in the morning they get home at night and like it's quite separate in a traditional role and when you are the partner of an athlete like you really are a part of the business and it's so great and it's so fun and it's so hard in so many ways so I give a lot of props to any woman who is a partner of an athlete because it's a lot when you've been two years in sort of deciding like I need to create a business or like have a mission or have a why what was that I was working a corporate job I left said corporate job and pretty much I think it was actually the same day I posted a get ready with me TikTok really just for fun it was when I think this was in 2022 when like the get ready with me film style was sort of just picking up and I'd always been super interested in fashion and I was already getting dressed up for the matches because that was just super fun to me and made the whole experience more fun so then I posted that initial video and it went viral overnight started getting more traction started doing more and more and then it was a few months after that I made a like ATP tour explained in 90 seconds video that really sort of dumbed down the tennis tour. It was before the Netflix show came out. It was before tennis had the explosion that it's had in the U.S. last couple of years. So I did this explainer video and it got so much attraction and attention and from the tennis community. And people really liked sort of the, I guess, behind the scenes aspect of the tour because that had never been shown or done before, and especially not by a partner. Was there ever a moment that you realized it was a true business though like it wasn't just something fun that you were doing to like keep your brain stimulated as you're supporting a partner my first ever brand deal that I did I think bloom nutrition paid me like 75 for a tiktok and I was like hell yeah I cannot believe I'm getting paid for this 75 dollars for a tiktok yep and I took it and I was so excited about it but I didn't really I didn't really start making money until probably like a year in I would say So was there ever a period of time where you were on tour being a supportive partner that you weren't earning an income? Maybe a few weeks. It was very brief. It was between my corporate job and when I quit my corporate job, I started posting TikToks, but then I got freelance clients. So I had like a hair salon in L.A. and like a dermatologist in L.A. that I would run their social media. And that was sort of my income that I got in that first year while I was between working corporate and actually making money from socials. And was that something inside of you where you felt that anxiety of like, I need to make my own money, even though it has only been a few weeks? Yeah. Yeah. It was stressful. And also my corporate job before I was working for a nonprofit. Like I wasn't rolling in money like from the way that I, I guess, am now. So I didn't have like a stack of savings. I'd never wanted my partner to like pay for my nails or pay for my hair. I feel like I owed someone something in that sort of way. Like, I still wanted to have my own, like, financial autonomy, I guess. So you're building this fandom. You don't even really think of it as a business yet. You're making $75 for a Bloom TikTok. Where does it go from there? Because Forbes reported that your annual income was, like, between $1 and $3 million at one point. How do you go from making $75 a TikTok to, like, bringing in millions of dollars? I mean, I guess it was just really growing my audience. I think also the amount of like press and attention that we were getting, tennis wags were getting in general. Brands started to like really pay attention. And like I said, brands were already investing so much money into tennis before that. And now there was this whole new set of eyes on tennis, like through social media and through the partners. But it was a slow build, I would say. And while you're doing that, like, are you still having to support your partner in the way where it's like a ton of time in that business but you're now also being like wait what I'm doing is also a business like where was your time and attention being focused that was difficult it was hard the better he did the better I did you know like the farther he got in tournaments the more attention and publicity I would get I guess so it was really important for me to not only support his career for him because I wanted him to be the best that he absolutely could be and you know accomplish his dreams of being top 10 top five but also I was like this is an important business for me I want to make money want to be a dual income situation and he was also very supportive of that which was really great at one point you were named like the most powerful woman in men's tennis What did that feel like? For me, it was more about, like, my audience and the girls that I was bringing in and, like, really creating a gateway into the sport because when I was first on tour, like, I didn't know anything about tennis when I first started on it. The more I learned about it, the more I fell in love with it, the more I was watching matches that weren't his, the more I was paying attention to the players. And I was like, this is so – this is such, like, a – I guess it was a hobby. it was such a fun hobby and I wanted more girls to be introduced to it because the age demographic for tennis was old. It was all, it was like 61 was like the average age of a tennis fan in 2019, I think. So it was really, that was, I think the biggest part of it for me was bringing in like that female audience. What I find so fascinating about you is just like you've about you is just like you've balanced building a brand that was like tied to someone that you're no longer with as you're like getting your own financial freedom and something that you said in an article recently that really stuck with me and I think is really important for people and women specifically to hear is like had you not done that you would be living back in Minnesota because you wouldn't have the options that you have for yourself now so for someone that's listening to this like that feels like oh well you know maybe this would be easier to be like my partner's girlfriend or wife and like not be working like what would you say to that person oh my god it would have been so much easier it would be easier it would be easier in some ways and it would be really difficult in some ways I knew myself when I knew that in those couple weeks that I wasn't making money on tour I think that I could see that I would start to resent him because I was I was doing so much for him and working so much for not working so much for it but like doing the laundry and like making sure he's up on time the the things that you do in in a partnership when you have a partner who's very very busy and dealing with a lot but for me I just knew that I like needed something to focus on that was outside of him and like we weren't married like the money that he was making was not my money I had no stake in it I had no you know like nothing is a promise and I I knew that so did you guys have conversations about that there was early on I was like oh my god I'm not gonna do this I'm not gonna in the relationship there was one point where he was like well you should just like quit your corporate job and I was like I'm gonna do that but I need to figure out something else to do and he's like well like I can just you know I can't handle things and I was like I don't think that's the right idea because I'd seen other partners on tour in that situation and you lose a sense of freedom I also think you lose a sense of like equilibrium in a relationship you know I had me Lou on the show and one of the most powerful things that she said was she was like I didn't like her husband is the most amazing person never judged where she was spending but she felt like she had to justify going and getting a manicure because that's not something that he valued yeah and she was like that's when I realized like after doing and having our children like I needed to go back to work because I even just wanted pocket money yeah to not have to like justify my spending when you started really coming into that financial freedom and being like I don't have to justify things or I don't have to do certain things like what did that feel like as a woman to be able to have that freedom in a relationship with someone who if you hadn't have would have a totally different power dynamic with you yeah I mean it was always really important to me to be independent like I did so much without him when I was traveling on tour I would go to museums I would go out and go shopping I'd go vintage shopping I would go on girls trips all the time I needed my own money to like go on a girl's trip to Ibiza like I wasn't gonna ask for money I was like I'm not gonna go to Ibiza I'm not gonna go to Ibiza I'm not gonna go to and ask him to do that and so if I wasn't making my own money like what I've had all these amazing trips with friends what I have been able to like give myself these experiences and never feel guilty about it for a second because it was my money we talk a lot about fuck you money and people often say like what is that and I'm like honestly I grew up with so many women around me that were controlled by money and had to have an allowance and it's not to buy bags and trips and to be able to leave any room that you are no longer respected in and be able to walk away which is honestly like why I just respect you so much and like just the ability to like be able to provide for yourself did you have a number in your head that you were like this is the number that I will feel safe and secure that like I can take care of myself and I don't need anybody else in my life I wanted to get to a place that no matter what happened my lifestyle would not change I can still travel wherever I want I have a beautiful apartment in New York I my life has not changed at all and that's in that article when it said like would I just be moving back to Minnesota if I didn't have that money like that would be a really significant very difficult lifestyle shift and to choose to leave the relationship like just be honest would have been much more difficult if that was my two options of moving back home at 28 years old moving back in with my siblings and my mom which I love my family I adore them but I didn't want to do that so that's when I say like having your own money that your lifestyle is not going to change whether or not you're in the relationship I think is really important and I think that a lot of women in these high profile relationships stay in it because their lifestyle would change so much if they don't have their own I also have ended a relationship and engagement actually I actually have to tell you I listened to you on Felix's podcast I had a note that I would just like refer to just when I was going through it of like self-assurance you know and I have it in the note with like a link to like the timestamp of the podcast of like I think it says like really good advice or something um so I have to say thank you for that it was so helpful to listen to women like you to help encourage me to leave my relationship I like literally have chills because I think you know it's funny I recently just changed the bio on my Instagram and when I think about like my life's purpose with hot smart rich is like to help women build fuck you money and it's a lot of like investing tips and like business acumen and like talking about the money side of things but then when I actually like distilled down like what is like my life's purpose like what do I feel like people come up to me on the street and say it's usually like you tell me to never settle like that it always gets better and I think like me humanizing you know this life of like being this investor or whatever when I left that relationship I had like no fucking idea what I was gonna do I was literally like okay my ego is so bruised I have to like publicly talk about this I'm gonna put all my stuff in storage move to Calabasas my business is like starting to grow but like there's like it's not where it is today and I think for people to see me like very happily move to Calabasas I think it's like happily married build this amazing business like it is the proof that if you are in that type of a situation where you feel like oh god this is not it but like I am so scared to get off of this hamster wheel because I don't know what it's out there for me yeah I think I am living proof and I think you are living proof that like it gets better yeah and like it is so much better not to stay in something that is not for you and I think that's why I was so excited to have you on the show not because of what you've built only as as someone that's really built the strongest personal brand and made millions of dollars as a leg but like I think what I was so curious to really dig into was like was there that fear that if you break off this relationship like all of this life that you have have built can go away 100 100 yeah I mean how could I not really and I think I think it was so hard because I have thick skin and I try to not let what people say either positive or negative like really penetrate like how I think about myself and think about my life but I think that so many wags and like women in high profile relationships really live in this like prison of public perception and that doesn't go away when you're out of the relationship but for years and years and years I've had so many people coming to me from every angle of like you have the dream life like everyone wants to be a tennis wag everyone wants to be traveling the world like oh like the luxury of this like you live like the most incredible life and I was hearing that and I was so sad and I was so not happy but I felt so guilty because I had so many people like telling me that I was living the dream life when I was leaving I was like is this the best it's gonna get because that's what everyone was telling me for years and years and years and ultimately came to the point of like if I'm not going to be able to live the dream life I'm not going to be able to live the dream life if I don't choose to do this I'm gonna I'm gonna end up like paying for it in a lot of ways when you decided like I can't do this talk to me about like the money side of being like all these brand deals are based on me being like building this persona and fandom and like were you nervous about that part going away necessarily yeah I think that people think that I care more about social media and money than I actually do what really was important to me was just like being happy and living my life the way that I wanted to live I wanted to be with my friends I wanted to get back into a routine so of course it crossed my mind and I had meetings with my team of like you know the these big brain deals that I get for us open like that's not gonna happen we're gonna have to pivot but I was that was not ever really a factor in my actual decision making like of course it crossed my mind of course I was like you know am I gonna fall off am I gonna become irrelevant our brand's not gonna want to work with me anymore but that was never when I like really like brought it down to like am I gonna stay in this like is this what I really want like that was not a factor into it if someone's listening to this that like might be going through that same decision right how would you tell someone that are the signs that you've outgrown a relationship I think for me it really was that thing in the back of my mind that I just like I just knew it wasn't my life but like I I almost felt like I was like observing my life life in a way that I wasn't like truly living in it like I felt like I felt like sometimes the world was like spinning around me and I would always try to like reach out and grasp and feel like myself and like feel at home in my own body and like in my own life and I think for the last probably year and a half I just couldn't feel that and every time I would like step out of this I went to a psychic and she she said to me something that I was just like oh my god she was like a golden cage is still a cage and I feel like over the last year and a half before I ended it I would sort of like sometimes I would like step out of the cage and then somehow I would just always end up back in I don't know if that makes sense but it didn't feel I didn't feel like I was living my life it makes sense to me because I've been there I think what I get this question and I'm sure you will now too because you've ended such a public thing and people are always like I just feel like I don't know and I'm trying to like have a sign and my answer is kind of similar to yours where it's like you just have a feeling and I said this on Felix's podcast it's a fuck yes or it is a fuck no yeah but I think what I have to give you so much kudos for is like I didn't have to make the decision of like my livelihood being tied to a person or at least that's what I thought and I think that like it takes so much courage and like risk taking to step off of that hamster wheel and be like I'm gonna go and do something different for someone that feels that way whether it's like a job or a partner or something that's like it's the golden handcuffs and it might be a golden cage in your in your scenario like what are the things that you did even like obviously you said that you just went to a psychic but like what are the things that you went through to be like I'm either gonna cut off these handcuffs or I'm gonna get out of this cage and like find this right decision for me talking to people in my life talking to my best friend talking to my mom talking to my therapist unfortunately talking to psychics sometimes because that's just the type of person that I am it was just kind of one day I woke up and I just knew it was not long ago that Katie and I first started hot smart rich and it was literally the two of us for so long but as we've grown our team and our business our old tools just couldn't keep up especially on the commercial side of the business however we recently switched to our sponsor pipe drive it's an intelligent CRM platform and super simple to use we need that so we're obsessed with it it has completely streamlined everything for us as we grow HSR the setup was honestly so easy and now that we've integrated all of our tools into the platform 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food plus digital and personalized offers tailored to how you shop your dollar goes further redeem your points online or in the app Kroger fresh for everyone restrictions apply see site or store for details were there people in your life that told you to stay not a single one how long had people in your life told you like Morgan this you need to make a change no one really it wasn't like that it was like Wimbledon 2025 Alexa who was at your wedding came to Wimbledon with me one day she brought her friend Alex and her and I like spent spent the day together and I was like I'm gonna go to Wimbledon I'm gonna go to Wimbledon I'm gonna go to Wimbledon and she mentioned to me afterwards she's like are you okay she was like where's Morgan like you're so like are you okay like you seem really off and like it genuinely was just because on a day-to-day basis I just was like not myself because I felt like I was living this I was on the hamster wheel you know and it was very obvious to my friends and I so I also am very private like I didn't there was maybe three people in my life who I told about and I didn't know who they were and I didn't know like what was going on my best friend my mom my therapist like I kept things really close to the chest not only because I knew that things could get out and get public but also I still cared about him and respected him and like I think when you're in a relationship like you should stay in the box of your relationship like I never wanted to not be a united front as long as I was in it so no one really knew what was going on but people were bringing up like what's going on with you and it was they didn't know it was about the relationship or whatever which it wasn't entirely it was like it was a lot of stuff going on um but like hearing that from friends of like where's Morgan can I give you the best piece of the dating advice as you go into being single Morgan and single Max sure because that was the exact same advice that I got from my friends when I was with my ex-fiance they were like where are you like what's going on with you like regardless of this relationship like you are not the same bright light that you once were and when I started dating my husband I saw all this stuff and I was like I don't know what's going on with you and I was like all this dating advice on TikTok that was like don't ask if he likes you ask if you like him and I was like no you need to ask whether you like yourself with that person because you only have yourself for the rest of your life and so literally I could show you journals when I was dating my husband and we would be traveling together I would literally ask myself like did I feel confident when I was with him did I laugh a lot this date did I feel like I had to like exaggerate who I was or like almost dumbed down that I'm kind of a nerd and like that I like these different types of nerdy activities and all of the questions were all about myself and it had literally nothing to do with my husband and after because I was dating a few people at the beginning and after I would look back at my journal pages and I was like hmm my husband who I initially said no to dating is like the best version of myself is being brought out yeah and to this day it's like I don't love my husband for who he is of course I do but I love myself when I'm with him yeah like I don't love my husband for who he is of course I do but I love myself when I'm with him yeah and to this day it's like what's hard about and there's a lot of women listening to this this is the number one thing that I get they're like there's nothing wrong with him he didn't do something to me but like I don't feel good in this relationship yeah so from someone who just recently stepped off the hamster wheel yeah how did it feel so good it's sad it's not bad I mean obviously like I spent weeks in bed like crying devastated like it was it was the most heartbreaking like horrible thing I've ever gone through like I loved him I still I'll always love him but I now have had so many friends and like my manager say like I've never seen you like smile this much before like I'm just I'm doing what I want to do I'm spending time around people who love and support me I started taking adult ballet classes I'm like going to museums in the city like I'm doing I'm doing things that make me feel like me and like really like learning more about myself and coming back into myself and I think what I would say is like there's always no matter what you think like there's always a better life. There's always a better partner. There's always a better you that is coming, even if everything seems to be, I mean, it literally in the same 10 days, I ended a six-year relationship, moved across the country and launched a business, which I think are statistically the three most stressful things in life that you can go through. Like I wasn't sleeping. I wasn't eating. Like it was, it was absolutely horrific. And then I'm like posting on Instagram, like, you know, but you get through it, you get through it and you come out on the other side of it. And I think I'm still going through it. Like it is very fresh, but I, I already know that I will never regret it for a second. How long did it take from like, when we saw the single maxing post of like the world's best, what is it? World's best ex-girlfriend from like, when you decided you guys broke up, like how long did it take for you to tell the public? It actually got, like leaked to some, like, it was like some random, like old, like tennis podcaster. And I'm like, how the hell does this guy, I was so, it was so bizarre, but that, that when like public, and then the rumors, the rumor mill like started, it was so new. We hadn't even told our families yet. And then it got posted on Twitter. And like, that's just a perfect example of like how difficult it is to be in a very public relationship like that is that like your shit will get aired out before you, even like my dad didn't know, you know, so then I had to call my dad. Cause he was like, what's going on here? You know, that sucks. So you decided to move to New York. Yeah. What is it about New York that you would tell every single girl that it's the place to go if you're going through a breakup? Oh my God. Well, here's one of my mottos is I've never seen a girl's life get worse after a breakup. And that is especially so if you move to New York, like it's just, I don't know. I knew, I knew that if I stayed in LA, after the breakup, like I just would not be able to come into myself like the way that I have in New York. I think the energy, the people there, even the last 10 days in New York have been some of the best 10 days of my life between I got to go to a world cup game, the Knicks game, the night I've never seen New York city like that in my entire life. And I don't think I ever will again. Like it was just the most magical thing. And there's no other city in the world that I think like has that. Magic that I feel like I'm living alone for the first time in my entire life. I never have had my own space. And now I have my own apartment. My friends call it the Barbie dream house because it's pink and it's the most like girly girl apartment that you've ever seen. There's like animal print rugs everywhere. So I've really gotten to make a home and make a home that like feels like me and really is like an extension of who I am. And that's been very healing to have a home of my own that maybe I thought I'd never have. I really, I feel like you're living my life, but I was in LA three years ago. And I remember just having this beautiful apartment and just being like, it's so mine. And I think that like, this is why stories like this, although it is like a little different work, we'll get into your business stuff in a bit. But like, I do feel like women today, especially ambitious women that like want their own financial freedom, want their businesses, want it all. Yeah. I believe you can have, and I think I am living proof that you can really have it all. They hear this like dating sucks and like, it's so hard and these men aren't good enough for us. And I'm so curious because I did not have that experience. Like I loved being single. I thought it was such an amazing growth opportunity, just like entrepreneurship. It's almost like a self discovery experience where you learn things about yourself. So for you as someone who hasn't been single in six years, like what is, what is the most important thing that you've ever done? I mean, I love dating. Like I always enjoyed going on first dates. I like meeting people. I like talking to people. I'm like, I've never had a bad date before. Cause it's like a talk show. And like you just talk about yourself. I mentioned in the article that went up a couple of weeks ago that I have a 33 point non-negotiables list, which I've gotten a lot of flack for online of people are like, okay, she's going to be single forever. You know, like loser guys. But I, I'm so sure that I like being alone. I enjoy being alone that I'm not going to be single forever. And I'm not going to unless someone literally checks off every single box and is not making my life so significantly better. I just wouldn't do it. And I know I'm so confident in myself now because I can leave what ultimately was a great relationship because I just wanted better for myself that I trust myself not to go down same patterns that I've done in previous relationship and like throughout my life. I love the 33 non-negotiables list. I think every girl should make a non-negotiables list. What are the three most important to you on that list? I would say like emotional intimacy. Like I really want someone who I can like talk about my feelings with and like they're open about their feelings. And also I want to say that this list is not curated because it's the opposite of my last relationship. Like something on the list is like no gambling or sports betting, but that comes from the fact that when I was dating my last partner, I would get so many death threats and horrific messages from sports bettors. Like I truly think sports bettors are like low, low, like scum of the earth because I've gotten such hateful things from them. I think someone who is not going to be, I mean, at this point, like intimidated by me and like my money. Like I don't, there's not a lot of single men in New York under the age of 30 who are making more money than me right now. And so I think that there's a lot of people who are making more money than me right now. And so I think that there's going to be some pretty serious, um, I don't know, due diligence and like figuring out like, is this guy going to be intimidated? Like what's his potential? Like, does he see my potential? Does he support my potential is going to be really important. I think just aligned like values, political values, how they care about like their friends and family, how they care about my friends and family is really important to me. Like my girlfriends are so important to me. My gay best friend Colton is so important to me. They have to get past Colton first, before they can get to me. So, I mean, yeah, it's a, it's an extensive list, but like, I'm, I am so confident unless the guy literally checks every single box. Like I'm just not going to do it. When you were growing up, what was money like for you? I've actually never talked about this before. Cause I've never like been asked, but I was primarily raised by a single mom when she was pregnant with me, she was working at McDonald's. So like I came from nothing. My first crib was a lot of people have assumptions of like influence. A lot of influencers do grow up in wealth and that's why they're able to have that career and like go straight into influencing and like maybe not go to school or go into influencing right after school is because they have that support system and they have that backup option. And I think one of the reasons I've always been so ambitious is because I knew I didn't have that. So, I mean, from the time I was like 13 years old, I started working. My first job was at the nut stand at the Minnesota state fair where I'd work hours a day because I wanted to get like clothes for school or whatever. But yeah, my mom had me when she was really young and now she's wildly successful, like C-suite at a media company. So throughout the trajectory of my life, like I've gotten to see her be like a fucking boss and just like work her way up the corporate ladder. That's been like really incredible for me. But yeah, there was times like when I was younger where we didn't have money, like I never had that. So I my goal in life was to get to a point where I never had to like have those sort of stresses. Did any of your relationships change when you started coming into money? It can even be friends. It could be people that were like part of your partner's life. Like I think that it's such an interesting question to ask because I've also seen this with a lot of founders when they like build this business and people think like, oh, they have all this money now. The relationships in their life change quite significantly. For me, I don't think it was about money. I think it was more about like the social currency and like followers. And when I was still working in corporate, when I first moved to L.A., I had I had girlfriends who were in social media who had like millions and millions of followers who would always like talk about it of like, you need to be careful, like don't trust people in L.A. And I was like, that's such a weird thing to think to like be like cautious around people. And that was so naive of me because now I've gotten to see firsthand like some girls I've had in my life have done things that are not some weird shit. And I think it's it goes back to like social media and the bizarreness of of like the currency of it. I don't think that money has ever really affected it. And I think part of that is like I am like so generous with my friends. One thing that I would say is like it's lonely at the top if you don't send the elevator back down. I've never heard that. Yeah. So I was like my my biggest goal in life is that like everyone in my life and everyone who I love and everyone who I trust to me is like on the up and up with me. And I'll do everything to try to get them there. When you decided to obviously go off on your own and just be Morgan Riddle, no longer like the most powerful woman in men's tennis. Yeah. OK, wait, explain that. I still am going to go to tournaments. I would still love to make contour on tennis. I have deals for U.S. Open like I'm going to U.S. Open. It's not like I'm like a race from that world. Obviously, I'm in a different way, but I've had a lot of girls like reach out and be like, please like don't leave the tennis world. Like we still want this sort of like content and commentary around it. So I'm still going to be there just in a different way. I'm not like in tennis because of that, you know, like him and I are still friends. I also saw a lot of people. There was like a little girl who made a TikTok this morning being like, I just really want Morgan Riddle to bring back her vlogs. Like where is YouTube? Where is YouTube, Morgan? I'm dying to get back on YouTube. Like I, when I first started YouTube, I was posting every single week. It was my favorite platform. I to this day do not think that I would have the, the, the business and like the following that I do, because if someone's going to sit and like listen to you on YouTube for like 20 minutes a week, like that creates a connection with your audience. I stopped posting on YouTube. Um, mostly because whenever I was on YouTube, I was like, I'm going to get back on YouTube. I'm going to get back on YouTube. I was on that platform. Like I really was like showing up as myself. And I think I felt so not like myself the last year and a half that every time I would like pull out the camera and like start talking and like, I'm doing this, I'm doing this. This is how I'm feeling. I'm like, none of this is true. Like I can't, but what I was going through at the time, I couldn't speak about publicly. So I, I, I think there's so many influencers who can like put on a face and like pull out the camera and like do their thing, no matter what they're going through. And I was just not one of those people. Who could like put on a mask for it. So I just kind of like stopped YouTube and did stopped being consistent on it because I just felt like a liar. And then now I have the pressure of like, I feel like my first YouTube video, I'm going to have to address like what's going on. And I haven't necessarily felt ready to do that. Like I haven't like spoken directly to like my girls about it yet. And I don't even know what I want to say or like how to say it while I'm going on. I want it to be like helpful and valuable. And so I want to get to the place where I can like fully come out on the other side and be like, okay, this is it. This is what I've learned. This is what happened. I mean, like really, this is the first time that I'm like publicly, even I'm still like trying to process what I even want to say and like what I actually think about all of it. But I'm still, I'm still figuring it out. Honestly, thank you. I think like, like I said, it's been so hard to figure out, like exactly what I want the impact of hot, smart, rich to be because it was so focused on business and like investing. And I think that's like a huge part of genuinely what brings me joy. But if I really distill down and I was talking to a partner that, you know, spend six figures with HSR and she's a woman executive and she was like, what is it that like fuels you? And I said, honestly, it is the fact that I want every single woman to be able to have fuck you money to leave any room that they are no longer respected in. And like, I think in society, we, we do glamorize like the Hermes unboxings and the trips out and like the lifestyle that like, of course, I would be lying if I said I didn't want to live that and do live that. But it really distills down to that. Like, I want women to be able to have that financial freedom and like live out their best life. Yeah. In every single thing that they're doing. Yeah. I think a huge way that women are able to do that, especially, especially when you do have a complicated life partner and maybe your next boyfriend will be a finance bro and it'll be a crazy like cycle of life for him to content creation is the ability for women to be able to do that no matter the situation that they're in. And I think a huge trend is going to be creators that build generational wealth through investing through equity ownership. Where is your attention in terms of like going from the brand deals to now moving into this like equity ownership so that you have these opportunities to make generational wealth? I mean, I think starting a business is a really big part of it. I started investing pretty much a student as I started making seven figures. My dream in life is to have nepo babies. I don't say that you are saying, but are saying I'll give you a sticker. It's feature nepo baby parent. Oh, I need one. That's literally on our t-shirts. Wait, I will give you one. Okay. I, yeah, I, I want to have no, I want to get to a place where I can have like little very, um, very respectful, nice nepo babies, um, that are raised really well. Obviously I care about money, but I've always been way more intrinsically motivated. Like I think how you were saying, like your goal is to get women to a place where they're making fuck you money. And then they can have this autonomy to be able to choose the life that they want to live and the life that they want to have. And I have a note or a, a, a photo album in my phone that has screenshots, of messages that girls have sent me over the years. And whenever I'm feeling not super confident about like my content or like the work I'm doing, or like feeling like I'm like being shitty at Instagram or whatever, I always go back and refer to this album and be like, okay, like, even if, even if you made one of these girls lives better, you taught one of them something, or you encouraged one girl to like leave the relationship she didn't want to be in. Like all of that is worth the work that you're doing. So I do as much as I think like building the generational wealth is important. I think being able to have girls learn from my life experiences is always going to be the thing that like drives me the most. Let's talk a little bit about angel investing. Okay. Have you done it yet? Nope. Have you been approached to do it yet? Yes. Why have you not done it? I think that I still have some like financial fear because I know what it's like to be so poor and not even like I'm talking about childhood. I'm talking about like, I don't think there was ever a time in college where I had more than $200 in my bank account. And like, I know what that feels like. And so I think I still have a little bit of that fear in the back of my mind. So I've been a very, very, very safe investor up until this point. Have you seen this trend though of like Alex Earle obviously with what she's doing and then like Fia just raised with all of these creators. Has there been a category or a company that you've gotten close with and you're like, I could get something like this? What I would love to do is like invest in like a sports team or a new league or something. I've been, I've been approached about like pickleball and paddle leagues and stuff and nothing's really sparked my interest. But I think if someone approached me about like starting like a women's sports team or like something like that, that's probably what I would be more interested in and aligned with. No products have never really been like, I'm not the type who's like linking products all day on my stories. I think it's going to be something that's more community-focused. I think it's going to be something that's more female fandom, sport, female engagement focused. Okay. So if you don't like a ton of products, one of the things I was fascinated by when I was doing some research on you was Google. I had Google, like, what do people search about this person? And a lot of people were like, how does Morgan Riddle make money? By the way, the same as search for me. It's like, how does Maggie Sellers Reem make money? So if you don't like a ton of products, where does most of the revenue come from for the personal brand? Personal brand is like brand deals and sponsorships. And something that my team has really worked towards is I have long-term partnerships. Right now I have two year-long partnerships that honestly I wouldn't have to do any other brand deals outside of them because they're with really, really amazing partners. I do multiple deals and posts and event appearances for them. So those are kind of what I focus on. And I encourage other content creators to try to get those long-term partnerships and brands that you really establish a relationship with. So if we go through the different iterations of like 2023, 2024, 2025, 2026, where has it roughly landed for you in terms of like the big growth spikes? I think 2024 was really my biggest, like that's when I started making seven figures a year. And yeah, it's just continued to grow since then. But it was like, it was like my, I think I was making maybe 60K at my nonprofit job, which I was so happy to do because I loved the work so much. And then yeah, it jumped from like 60K to seven figures and maybe a year and a half. Does that, like, isn't that just crazy to think about? This is what I'm talking about with content creators having this unique ability. Like I truly feel like we are in this era of like women having more influence and more power and more status in society, not only from the money. Yeah. Obviously the great wealth transfer is happening, but also in status, like in that cultural currency that you're talking about. Yeah. That power dynamic is so needed. We still live in the patriarchy. And I think that you are so, you really stand up for what you believe in and you do put things on the line. Where does that come from? I'm always the person that will like say the thing that like other people won't say. And I think that's where I get honestly a lot of my confidence from is because I really try to like stand true about the things that I care about. Things pretty much from the get go. And I always got hate and I'll lose every time I post something political, I'll lose thousands of followers. And I am absolutely okay with that. Every now and then I hear something and my reaction is pure shock. Wait, people aren't already doing this. If you make a rent or a mortgage payment every single month, and there's a way for you to get rewards back for that payment, why would you not be doing that? Our sponsor built lets you earn points on rent and mortgage payments to use towards flights, hotels, lift rides, and amazon.com purchases. And built also has 45,000 restaurants, fitness studios, studios pharmacies and other partners in their network maybe i'm oversimplifying this but i think a lot of being good with money is about simply not ignoring the obvious you're already making this payment every single month the only difference is whether something comes back to you in return as soon as built was explained to me like that it became one of those things i just could not ignore join the membership for where you live at joinbuilt.com slash hsr that's j-o-i-n-b-i-l-t.com slash hsr and make sure that you use our url so they know that we sent you everyone has that one brand they always reach for because it's a trusted classic right for me that's lululemon and they've just become a sponsor of hot smart rich sometimes i wonder if i love it so much because we're both canadian but really i know it's because their styles are consistently so flattering and comfortable this top in particular their flow i tank is one of those pieces that's actually perfect for la because it's lightweight and buttery soft but also minimal and sleek it's why racerback shape also gives me a lot of movement when i'm doing low impact workouts and because it has added lycra fibers it stretches easily but also holds its shape over time and that can be said about any of my lululemon clothing it always lasts for years so don't sit on it if there's something lululemon offers free returns too so there is never a risk if you change your mind head to lululemon.com to get your hands on their flow wide tank in so many different colors sports and being opinionated so laney was just on the show and she said like sports is really the only place that women are taught to be loud and to be aggressive and it's no coincidence that like 98 of c-suite executives that are women played sports when they were growing up i think that this episode is brought to you by indeed you're ready to level up your business but the pressure to find the right person to make that happen is intense indeed sponsored jobs can help carry the load it boosts your job post to help it reach quality talent fast cut through the chaos with indeed sponsored jobs get a 75 sponsored job credit at indeed.com slash podcast terms and conditions apply hiring now then this is a job for indeed sponsored jobs low energy low energy focused foggy you might be dehydrated gatorade zero powders have been scientifically designed to help improve hydration balance in the body with a clinically proven electrolyte blend and no artificial colors or flavors great tasting hydration no matter where you're going shop now online or at retailers nationwide gatorade hydrates better than water is it in you symptoms noted are signs of mild to moderate dehydration consult a health care professional if symptoms persist when you shop kroger delivery you can experience a new experience with gatorade expect the savings you love and fresh groceries delivered right to your door our refrigerated trucks keep your items fresh while our associates are committed to getting every detail right carefully selecting and packing your order with care because bringing you fresh quality groceries is what we do best and right now enjoy twenty dollars off your first online order of seventy five dollars or more restrictions apply c-site for details kroger fresh for everyone the craziest stuff that i've even seen is the fact that you can get your groceries delivered right to your door is like 46 billion minutes of women's sports were consumed in the U.S. alone in 2025. And even in male-dominated sports, like F1 went from 8% of female viewers in 2017 to now it's 42% in 2025. This is a moment for women in sports, both in the male-dominated sports and for female sports. You obviously saw this very early and you decided to co-found a business in it. What did you see that people are now just starting to catch up to? I mean, from doing content in sport and seeing the interest in the community that you can build through it in maybe a place that I think before, like, female fans didn't necessarily feel welcome in. But now between media, I mean, like Challengers was huge for tennis. Drive to Survive was huge for F1. Now hockey between heated rivalry and off-campus. Like, I think that pop culture and media and brands investing in the sport, like, have just continued to grow and blossom with it. And I really fell in love with, like, that aspect of it and the community aspect of it. And being able to work towards a goal of making sports a place that, like, women feel valued in and seen in. And are, I mean, what we're working towards is that they're not going to be, like, an afterthought. In the world of, like, sport and marketing. And that teams and leagues are really seeing the value of female fandom. And so that's what 400 Club is, is really the bridge between female fandom and commercial opportunity. Okay, because I was going to do my next question. Like, when Olivia from Travel with Olivia was on the show, I was like, you have these hilarious skits of, like, billionaires yelling at you. But, like, what is the business that you actually run? And she described it, like, so well. She's like, people pay us $100,000 to literally book. They're like, what is the business that you actually run? They have to spend over a million dollars. And I was like, I get it. With the 400 Club, how are you guys currently making money? Yeah, so I met Cherry, my co-founder. She's based in London. Two years ago at a, like, it was a tennis exhibition event in London. We stayed in contact. But she started the 400 Club in London sort of as, like, a members club that was female athletes, female founders, and creatives that she was bringing together on the platform of sports. So whether that's, like, VIP. So whether that's, like, VIP boxes or exclusive dinners. And that really snowballed into something so much bigger. So she reached out to me at the end of 2025 because we stayed in contact. And she was like, I really want to bring this to the U.S. Like, it's become so much more. You're the only person that I can think to do this with because U.S. right now is really just, like, the culture hub. And I think especially New York between fashion and sport and culture. So now we are growing this community of women mostly between the ages. Of 18 and 30 who want to be involved in sport and who want to have these community events and want to be a part of something that traditionally, you know, these rights holders and teams and leagues have not necessarily. I don't want to I don't want to say, like, catered to, but have really, like, paid attention to the value of them. So now we've created this sort of closed loop commercial engine of we have this community of girls. And then we work. We work with rights holders and different teams and leagues to sort of build out their female fan strategy. So we did the first female fan strategy for F1 for the Williams team. We've worked with Chelsea FC, with Nike, with Apple. And we pull the data from this community of girls that we have about what they want, whether it's community events or merch or really like what they're looking for. And like being like a female sports fan and bring that into the strategy. For the team. So I'm a huge sports fan and I grew up like playing sports. And it's funny because my husband, like our dream Sunday during NFL is like legitimately watching NFL. Like we watch almost every single game of U.S. soccer. And he's like, oh, you're like the first woman who like genuinely I've dated that like loves sports almost as much as I do, if not maybe even a little bit more. But I always still feel like that that when I meet a guy and they're like maybe a friend of my husband's and I like try to share like. How much I love sports. It's almost like they think I'm doing it. Perform. To like performatively. Do you feel that? I mean, yeah. Like if you go to it's so I mean, it comes back to like the stereotypical like name three players sort of thing. Yeah. And I think that something that I've always stood by with especially with tennis is like you can experience sports in any way that you want to. I loved to dress up for matches and like come. My little dresses and come whatever people would be like, well, do you think that's like really important for going to matches? I'm like, no, like if you're a girl and you want to come in in a T-shirt and shorts and sneakers and just go and watch the match, like do that, too. But if it's more fun to dress up and like experience the sport in a different way and like not know the names of players, that's fine, too. Like it can be like a welcoming space for everybody. And yeah, I mean, it's frustrating. And I think that was a big thing about 400 Club is like right now, if you want to. Go to watch live sports. Some like really popular sports bars in New York are like Rocco's and do us like you're going in there, you're getting beer spilled on you. Everything smells like chicken fingers. So we kind of wanted to create a place where people or women can come and experience the sport in sort of a different way. So we hosted the first official F1 sponsored watch party for the Miami Grand Prix. We had 150 girls in London come to Soho House. And we didn't even say. Like, you know, wear this or like rep your favorite team. They all showed up in like the Ferrari jackets and like the orange pants for McLaren. And a lot of them came alone and they just wanted to come and have a space to watch the sport that they really, really loved with other girls and feel comfortable and feel safe and experience it in a different way than traditionally you go and experience live sporting events. What makes me laugh is I'm like these men think it's performative, but I'm like we are. The same level of like competition and like drive and ambition. And I think the world is just waking up to that. And this goes back to what I was even trying to say before of like, what are those leagues that like lend themselves to like this? female consumer better than others. So from your perspective, having hosted watch parties or been with the Knicks, watching even just the streets of New York, being on the ATP tour, what leagues are the most inviting for a female consumer that's listening right now that's like, I don't really like sports, but I love what they're talking about. And I would love to watch a game with Maggie and Morgan. What's the most inviting for them? I mean, I think the two rights holders that are doing the best job at that are the WNBA and the PWHL, the Women's Hockey League. My family in Minnesota are big, big hockey fans. They have season tickets to the PWHL team in Minnesota, go to every single game. The split is 50-50. And between the team and the social team that they have there, they're just doing such a good job. I went to the New York Liberty game this past Sunday, and it was super fun. Family-friendly, female-friendly, like Vagisil is a sponsor. There are teams and leagues that are catching up, and they're ones that established from the start, like we are here for female fans, and they're not going to be an afterthought. They're actually going to be, I would say, the priority. Like even for our own data, when we post something in a dump and it has something to do with female in sports, it is the highest performing post. Really? Yeah. Interesting. So even like when we did Consumer Trends, this is like a few weeks ago, we posted at like 98% of females in C executive roles are former athletes. That was the most shared post. Interesting. Even like looking at the data very quickly from Lainey's episode recently, like for sure the most shared post, all of it has to do with either the Knicks or like executives being former athletes. Yeah. How genius was that Knicks sponsorship that she did? I mean, but it makes sense. And I think this is, again, going back to like women watching sports is not performative. Like whatever reason that brought you to the arena, like 40% of the year. Is a female consumer and not one person is speaking about that. Yeah. Speaking to that person. Yeah. And I even feel that as someone who like genuinely loves the game, grew up going to the Leafs, the Raptors, even actually every single MLB Blue Jays, we would like run the bases on Sundays. Like literally I went to every single game as I was growing up and I never had even thought about it that like no marketing in the stadium was directed towards me. Yeah. And then it seems so obvious now that Lainey should have made that decision. And you're like, but it was not the norm. So like it wasn't obvious. I mean, that's what Cherry and I are like talking about to these brands and right holders is that when we talk about like the commercial opportunity of female fandom, it's really the gap between this massive, highly engaged audience, like real, real audience and the events and partnerships and sponsorships and content that historically rights holders and brands have been leaving so much money on the table by ignoring. And so we really are trying to sort of bridge that gap and be like, OK, here here's the female audience. This is why they matter. This is what we can do to like work and build with them and monetize with it. I live my life with data and science and hypothesis. Yeah. And one of my hypothesis right now is like women want financial freedom and they want these types of conversations. But sometimes it's so much easier for the female consumer that's scrolling tech talk to like watch a video about like fashion or beauty and not necessarily like. The things that will actually empower their lives to be a better version of themselves from your data, from like watching your YouTube or your videos or like things that you post. What is your audience telling you? Like they are just obsessed with watching and consuming right now. I think content that has purpose behind it. And I don't think it's necessarily I mean, like the niches is highly personal. But when I talk about like I just did a video about the, this New York Times article that went up that was about, you know, women and dating and the dating experience. And I was stating how much I disagreed with like the hypothesis of this article and why it was so important that things like this are not like published. And that's not what we're, you know, putting out into the world and saying to women. And I think that because there's not a lot of mainstream lifestyle creators that get into like the grit of that, and like the issues with the patriarchy and like talk so openly about money the way that you do, that when we do, like people really care about that. And they're like, this is what we need to be talking about. That being said, I also love to watch fashion videos on TikTok and like, you know, do that sort of thing, shut off my brain sometimes. But I think that people are really like yearning for meaning and purpose behind content and like education and like education and like talking about real things okay my team would kill me if they if i didn't ask talking about it. And I think that's a really important thing. And I think that's a really this stuff. A lot of them are single. And they were like, where is Morgan going out? Where is she spending her time? Where's her favorite drink? And what is it? I hate myself because I go to like the same five places in New York. I've been going to the members clubs a lot, like Zero Bond and Shea Margot, because that's where my friends tend to go. But I do love a sports bar. I want to watch the next game that Rocco's yesterday's one for one are like my favorite sports bars in New York right now like just such a fun place to go with your girlfriends i am pretty much beholden to a dirty martini gray goose dirty martini blue cheese olives is like my go-to and then the other drink that i would are you a tequila girl yeah you like tequila yeah okay so me and my best friend sophie started drinking this maybe like a year ago and it's the best thing ever it's a blanco tequila shaken with lime juice served up in a martini glass and there's something about like the acidity of the lime juice that just like takes out the tequila, like the, I don't know, like the shocking taste of tequila. I'm going to be doing that all the summer in Europe because I'm an Aperol Spritz girl. Oh, yeah. And then the hangover is not amazing. Yeah. Would you ever do a sober date in New York? Yeah, maybe. Like as long as there's like an activity or something to do, you know, like I would like go to like a museum. I love a movie date. I love going to the movies when I was picking my, the place that I wanted to live in New York. Like one of the top things was like, okay, elevator, doorman, movie theater, walking distance. Cause I love, love, love going to the movies. I'll go to the movies at like 10 AM on a Tuesday by myself if I just like need a mental break. So I'll go on, I'd go on a sober movie date, but I also like the fancy movie theaters where they serve martinis. Like I pick. I love, I pick. Love it. Okay. Morgan, we're going to do some rapid fire. Okay. Okay. What's the most recent thing you just put on your credit card? it actually was a water at the airport. Which one? I got smart water. Are you obsessed with this Loonin water bottle that everyone's drinking? I did get sent it in PR and it's great. And Loon, a Loon is also my state bird in Minnesota. So I feel very emotionally attached to them. Yeah, I like it. I mean, I know glass water bottles are like what you're supposed to be drinking out of. I actually do think that the water tastes a lot better. Does it? I actually do. And my husband, the one thing that I think is so funny about him is he's so value oriented. Like for him, the idea of buying a water bottle expensive as Lunin, he almost like rolled his eyes. He tried the water and he was like, Maggie, this is such a better water. We have to order Lunin for the house. What is the last most expensive thing you put on your credit card? My rent. But I have it set up through Built. So I get like rewards. I was going to say, so Built, I've been a partner for like three years. I was part of the original, like the original originals program. And when they explained it to me, I was like, why would people not do this? It is the smartest thing to make money back on your rent. What could you buy with your rent money if you didn't have to pay rent every single month? A Chanel medium flap. Love that for you. Yeah. Okay. You can only attend one for the rest of your life. F1 or ATP? Well, now I'll say F1. I've done, I've done, I've gone to a lot of tennis matches. So you're in the F1 train? Yeah. I like it. I mean, have you been to race before yeah i love it so fun you can only pick one for the rest of your life an olympics game or world cup game olympics i just i did just go to my first world cup match which was incredible i saw brazil morocco so fun have never seen anything like that in my life but i did the paris olympics and that was just like magical like the beach i would did beach volleyball I did tennis I did swim meet and seeing like all of the countries together as opposed to when you go to a World Cup match it's just like 1v1 was crazy just like the coolest ever so I really want to come to I mean my dream is to work with LA 28 and definitely be here for that WNBA or the National Women's Soccer League? WNBA, because I haven't been to a women's soccer match yet, but I want that to change. I really want to go to a Gotham FC match. They're playing at Citi Field. You can only pick one for the rest of your life, U.S. Open or Roland Garros? U.S. Open. I hated Roland Garros. I can say that now. I hated that tournament. Why? I think that they oversell the tickets. It was always just like so, so, so busy. There's like there's food options but there's just not a lot of places to like comfortably sit or just like hang out and watch like the I think the grounds are too small for how popular and how big it's gotten I just like clay is so dirty like I have bad um associations with clay because whenever we were in Paris like my ex would like stomp in and there'd be clay all over the carpet and and there'd be clay all over the carpet. And there'd be clay on my clothes and his clothes. It would just drive me absolutely insane. What is the best hotel you've ever stayed at? Maybe the Four Seasons in Hong Kong. Okay. And specifically because they had these, like, pork bun bao things at breakfast every single morning that I still think about. Wing woman or gay best friend? Gay best friend. Well, he's a little – I think he's a little intimidating. Like I said, like, they got to, like, get past him before they can – like, if Colton says that he doesn't like someone, like, they're off the table. Okay. Because he will make both of our lives miserable otherwise. Okay, note to your future boyfriends. Okay, if you could only tell yourself one HSR love note for the rest of your life, which is basically an affirmation, what would it be? My bounce back game is absolutely lethal. That's my – I actually had that in an affirmation in my notes. That's cringe, but just being honest. Love it. Morgan Riddle, if you could title this season of your life, what would it be called? Joy Has a Habit of Returning. Love that. Yeah. Okay, Morgan Riddle, where can people find you and how can HSR help you? My handle on everything is morgs, M-O-O-R-R-G-S. Made it when I was 14. Can't change it now. Stuck with it. So that's me on Instagram, TikTok. And then you can follow the 400. You can follow the 400 Club on Instagram. And if you sign up for our newsletters, we send links for events a day before we post on Instagram. And they sell out really quick. So I would recommend doing that. And, yeah. How can HSR help you? I would say bring your girlfriends to a sporting event with you. Love that. Thank you so much for coming on. Thank you. Thank you. Y'all know I love a mood board. So everything that relates to the creative, the name, the brand, the website, the vision board. This is where our sponsor, Northwest Registered Agent, is so important. So helpful. Get more with Northwest Registered Agent at northwestregisteredagent.com slash HSR free. Now at Kroger, your points add up to more ways to save every trip. Use them your way to take dollars off groceries at checkout or save at the pump. You can even save up to $35 on your next fill up. Same points, more choices. And with low prices on fresh quality food, plus digital and personalized offers tailored to how you shop. Your dollar goes further. 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