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  • The Pandemic, Money and You – Mastering your Money Mindset in the Covid Era

    Join Lavinia and television anchor, financial journalist, author, and founder of the Money School Online Program, Nicole Lapin, for a deep dive into all things green. Learn how you can successfully face down your financial fears and align your earning and spending with your current reality and your short and long-term goals. Money may not be everything, but learning how to manage it can definitely change your life for the better, so you won’t want to miss this episode of CWMP.

“If I were in charge of the world, I’d teach children how to make a business plan, how to budget and how to do taxes in school.”



  1. You have to have the right mindset to get your finances in check. Mindset is everything. You have to look at your finances from a place of abundance instead of scarcity.

  2. Like a diet, you don’t want to come from a place of deprivation. Instead, you want to come from a place of aspiration. The former is not sustainable.

  3. Health and wealth are very important right now and they’re interconnected. Finances can affect your physical health— it can give you stress, anxiety, vertigo, etc.

  4. Spending Plan (Pre-Covid): 70% Essentials (House, Food, Transportation) / 15% Extras (Fun Money) / 15% End Game (Retirement, Savings, Investments)

  5. Spending Plan (During Covid): 65% Essentials (Negotiate your bills down) / 5% Extras (We don't have much to spend it on right now) / 30% End Game (We don't know what's going to happen in the future)

  6. If you’ve been using your emergency fund, that’s okay! We’re in an emergency.

  7. Negotiation is all about language. It can be overwhelming and feel very jargon-y, but that’s okay, you can learn the language.

  8. When you negotiate, ask for a discount or an extension. If you don’t ask, the answer is always no. Most companies will throw you a bone.

  9. Cutting out your morning latte will not make you a millionaire. It will just make you want to binge on something later on.

  10. There are a lot of ways to make passive income. You can find things you own that you can rent or sell. When things go back to “normal” we’ll realize that we don’t actually need a lot of things.

  11. As for a side hustle, take a look at your skill set and find a marketplace for it. There is always someone out there that is looking for that specific skill set. You just have to identify what that is and clearly articulate what you can offer. (See list of example websites under Additional Resources)

  12. First step of investing is to take a look at your own risk tolerance— are you more hands off (where investments are automated) or hands on (where you can go in and do some of the picking)?

  13. If you’re new to investing, start with S&P 500, ETFs or Index Funds. Index Funds are like getting a little piece of all of of the top companies without having to buy them all separately, which makes them more consistent and less risky.

  14. Don’t invest all your money in one place all at once. Space it out so you’re hedging against the fluctuations.

  15. 3 Final Tips: 1. Diversify your portfolio. The average millionaire has 7 streams of income— base salary, side hustle, investments, etc. 2. It’s a great time to reexamine your life and figure out how much the life you want is going to cost. Then reverse engineer to figure out how you will get the money to live that life and don’t just come up with a random number. 3. Negotiate everything.


Rich Bitch

The Money School – Free with promo code NICOLEFRIENDS 
(Course files can be found here)

List of Online Freelance Marketplaces:
Simply Hired

For more information, visit and follow Nicole Lapin on Instagram and Facebook.

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