← Financial Tea with Mrs. Dow Jones
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- [00:00]
A
This episode of Financial Tea is brought to you by Ancient and Brave. They have been an iconic and trusted wellness brand in the UK for years and now that they will launch in the us across the pond I have been integrating two of their hero products into my daily routine. I like their True Creatine plus and their True Collagen. And let's start with the True Creatine plus baby, because suddenly everyone is taking creatine. But what's interesting is that women naturally store 70 to 80% less creatine than men, which means we can actually experience more noticeable benefits from supplementation and Ancient and Braves True Creatine plus not only helps enhance physical performance, but it has added taurine, vitamin D and magnesium. So it also helps support energy, improve cognitive function and just overall well being. It's neutral tasting and I take it daily, even on my non workout days. I've been stacking that with their best selling clinically studied True Collagen which is a hero product for positive aging, active lifestyles and just like that, beauty from within. Go to ancientandbrave.com planet and use code T for $10 off any purchase. That's ancient and brave.com planet code T for $10 off.
- [01:17]
B
Hey guys, this is Molly Sims, host of Lipstick on the Rim. So I have a little bit of a pet peeve that I think you're going to relate to this. I'll be having a great day, feeling good and someone will say to me, you look tired. And I'm like, I promise you I'm not really tired. But here's what I've learned. My eyelids, they do sit a little low and once my doctor explained that to me, it actually kind of made a lot of sense. She prescribed me Upnique, the first and only FDA approved prescription eye drop for adults with low lying eyelids. One drop per eye in the morning and I noticed my eyes look more open awake within minutes. It's like just one simple step. That's it. And the results? Guess what? They last up to eight hours. Learn more about upnique.com that's you P N E E Q.com or talk to your doctor. Just a little quick safety note about Upneek Oxymetazoline Hydrochloride Ophthalmic Solution 0.1% tell your doctor your symptoms and medical history, including blood pressure, blood flow, issues in heart, brain or eye disease. Drooping eyelids can be caused by other more serious conditions such as a stroke. Do not touch the tip of the upne vial to your eye or any other surface this is not a complete list of risks.
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C
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.
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A
I love that. What's up, rich people? It's me, Haley, aka Mrs. Dow Jones, and this is Financial Tea. Okay, you guys, you are going to be gagged because none other than Olivia Atwood is here at Financial Tea.
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C
You.
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A
You may know her from Love island or maybe from the multiple doc 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 on her podcast, Olivia's House. So I am 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, but, 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, but 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 Truth Social yesterday, like, threatening Iran. Like, I. I'm very confused about how this ends and what's going on with the Strait of Hormuz, 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. Um, 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 root 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, baby. 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 $502,000 off as a freebie. So go to Mrs. Dow Jones.com book and right now you can get those. And I'm. You're literally gonna make back the cost of the book, but also like, you're gonna make so much money back just in your budget every week. The next story is about Allbirds. 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, from its 2021 IPO. Like, that means that if you invested at the top of Allbirds, like your portfolio is now basically like spiritually minimalist. But what I think is the most interesting about the story is that when Allbirds 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 Allbirds 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 allbirds 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 Allbirds has structured their company. Companies like Warby Parker, sweetgreen, Duolingo 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 invest 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. Companies 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 Earle and her new skincare line, Real Actives. I mean, she absolutely Cross stated $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 Kiehl's 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 Accutane three times and that she is currently on Spiralactone, 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 Actives is that the products did that, but, like, it's a medical condition, and it. 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 acne. Alex with, like, her clear skin, their 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 of 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. But in order to get people to actually buy it again, you have to have good formulas, and it has to actually work. Look, and creator 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 products 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 creator brand that flops, and there's a lot of those. But I. 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 Meadow Lane, is so powerful and so even, like, I saw a TikTok 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 TikTok 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 T Yet. 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 Social and I'm like, there's my diva, there's my queen. Like the most hardworking girl in showbiz. The most beautiful girl in showbiz. You are here at Financial T. I could pinch myself. And I'm just so excited to talk to you. So thank you for being here.
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C
Thank you so much for having me. Your kind intro. We've been Instagram friends for a minute.
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A
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.
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C
Oh, you'll forget everything. You can't.
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A
Yes, that's what I want. I'm really looking forward to blacking out together soon in the uk. We could definitely clip that.
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C
Yes.
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A
Okay. So just to ground everyone, so you broke out on Love island, which is a show basically about romance, around nine, ten 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.
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C
So next time you tell me and I hook you up.
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A
Okay, 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.
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C
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 of the Love Island UK series, was like a breakout 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 with my friends. That was about the extent of it. At that time in my life. I was kind of. I'd say I was. I was. I was feeling a little bit lost, a little bit stuck. I was kind of floating. I didn't. 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 down opportunities to boyfriends. We can get into that more later. That blew up in my face. And then so when series three came around, I was like, okay, let's do this. Like, what's, what I got to lose? That was very much how I looked at it. And then I'd say it 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've like really kicked it up a notch.
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A
Yeah, you've, you're in your 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, has she slept? But like, like, but I love it because I know that you are securing the damn bag and that you're buying damn bags, which is also she. So can you break down all your income streams for us?
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C
Okay, income streams. So the, the obviously first one would be television. This is not in order of what brings in the most, by the way, but television, my podcast, you're like television
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A
not at the top.
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C
No, it's not. Unfortunately, the climate is a little bit different now. Yes, my podcast commercial deals in so Instagram, working with brands, my radio show. Then I'm gonna partner in some businesses this year. That's, that's kind of the, the, I've especially how many hours are in a day. But that 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, I, I take healthy deals with brands I work with and sell their products, but I'm kind of now thinking, okay, shall I. I've narrowed it down to like bigger long term relationships with brands I really, really like that align with me. But now I'm thinking, okay, maybe it's time to sort of sell some stuff myself.
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A
I love that we're in our Kardashian
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C
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 to you one that market's Terrifying. But two, it's like you need that to be your whole purpose. I'm trying to show up in like lots of different areas. I haven't got time to run the day to day so I almost would like to. You almost have your fingers in lots of pies.
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A
Yeah.
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C
Rather than trying to have one whole pie. My sort of, my outlook business wise this year is like lots of different fingers in pies.
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A
Do you want to share the companies that you want to take? Equity?
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C
I'm looking at like drinks I think would be good for me.
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A
I love that. Like an energy drink or a cocktail.
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C
I think a cocktail is more aligned.
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A
Okay. Addicted. 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.
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C
My father would disown me if I drop numbers.
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A
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,
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C
to all these huge brands in standalone 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. There's so many commercials. My God, there's so many commercials. You forget. So I think that in the uk yeah you, you having to do outlay quite a lot more on, on the back end.
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A
We don't want to say numbers of like how much we get paid for brand deals or things like that.
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C
Do you know what's really bad and, and don't be like shot by me. I am across my situation but I would be so wrong scared that I would just say it wrong like because I obviously have management and like I have yeah. And I, I, I, I always am on the sign off things but I wouldn't want to specifically. I don't know if I'm NDA probably
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A
on fees 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 travel 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. To spend that day? Like, who helps you sort of manage your personal finances? Are you managing them? Like, what's the cap?
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C
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, like, my outlay, like, what I owe in tax, what I am 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 brought up to like, things like that are. They are your 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. I wanted to. I started kind intentionally in interviews, like, make sure that I. I'm com. 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 like, is a priority. It's not a priority. Like, you need, you know, you need to get your ducks, you need savings, you need a house, you need all those things, then they should not. The bags are the later.
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A
Yes.
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C
And I think you, like, you kindly pulled up an interview I did once and put it on your story where I talked about it. And I was like, I think sometimes that content does really well. People love living vicariously through people watching unboxings and stuff. But yeah, I never spend money I don't have. And I always see, you know, you talked about this really recently on your page, and it's really interesting. They. There's a lot of mystery around, like, bags and investments and all that. Like, it's a very fine line. And I don't purchase anything with the thought of, I'm gonna get back from this.
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A
Yeah, it's just fun fashion.
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C
Yeah. And it's like, some of those bags will maybe gain value. And if I want to sell them, I. I could. But I buy things like that within my mind. It's like, I'm gonna hand them to my daughters or my son's girlfriends or my. Or my sons, you know, and they're gonna stay in the family. Yeah, that's the best case scenario for me. 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.
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A
You, I mean, you talk about there's game. You definitely have the hookup now. Like, at what can, at this point, can you just get whichever bags you want because you're such a good customer. Like, how many Hermes bags do you like this?
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C
And to be honest, as the. When this goes out, it might have changed again. It changes so much and I get so confused. But in the, in every country in the uk, I think you are allowed two quota bags a year, which is basically like Birkin or Kelly. And like anyone who shops Hermes knows that you, they often offer you a bag so you can basic special wish. It's like the color, the style, whatever. And then when you go in store or they, 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 your essay and you have a good relationship with them, they might come and offer you a bag that they think you might like, but it might just 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, yeah, you know, someone's offering it to you.
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B
So.
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C
Yeah, so I, I'm, I'm the same as everyone else. Pot 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 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 gonna build that like, like client portfolio. I was buying stuff from Equestrian for my sister. Like, I was like, 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. Yeah. Because that I was trying to obviously be offered the bag that I wanted and I was.
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A
So what would you say is the smartest financial decision that you've ever made?
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C
Probably some of the financial decisions 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.
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A
By the way, for me as well,
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C
people just help with my, my agents, my pr, my, you know, my housekeeper, things that basically start trying to like, stop trying to do everything myself and delegating out a little bit more. Like I always think that if you're in a financial position to do that, it will pay you back tenfold. And like even things like in my industry, specific to my industry, good glam, right. Like the right clothing, like, you know, that stuff stings a little bit on when you're seeing it leaving the account. But I have literally tracked the, the roi. Yeah, I've tracked it and like it. I'm, 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.
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A
Yeah. And probably also you were like just coming into money and you wanted that security of a house.
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C
Yeah.
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A
Like I was watching your show Filthy Rich and the one with the only fans girl who bought a house all cash and I was like, you know what, I honestly get it. Like, like you don't know how long this career is going to last. Like you want to just like have
- [23:41]
C
that home locked down and you know, not leaving money sat in savings accounts.
- [23:46]
A
Oh, thank you, girl.
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C
So. And I don't work, I don't invest my own 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 educated 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 the,
- [24:02]
A
you know, the market, inflation, everything. While you're low key financial queen. Love this like nailing it. What would you say is the dumbest financial decision you've ever made?
- [24:12]
C
I think chasing trends at a time like you're like rushing and like thinking like not using 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 sports betting thinking, like, do I even like this? Or am I just like being told this is the bag? Like, you know what happened to me? So many, so many things that I've looked at my wardrobe. Why the did I buy that? And then luxury cars.
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A
Wow.
- [24:39]
C
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.
- [24:46]
A
Yeah.
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C
So with the G Wagon. The G Wagon was my dream car. It was like a goal I set for myself. It cost me like a fortune because we don't have the tax write off for the G Wagon in the uk. You can just pay with vehicles.
- [24:58]
A
Yeah. In the US you get a tax write off.
- [25:00]
C
Can't put it through the company, can't claim anything back. Obviously petrol prices in the UK are super, super high going up. The only thing that car bought me was just a really superficial joy and look, probably financially it was a pain in my ass and cool pictures on 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, all the cars I've bought have always been a financial liability. They, I mean luxury cars are. The minute you drive them off the forecourt, they, they lose their value. So one.
- [25:39]
A
Okay. If there is one thing that I'm like low key, obsessed with financially, it is preventative health care. Healthcare is so expensive. We all know this. If you live in America like Taylor's oldest time, it is pricey to get sick. But as you get older it gets even more and more expensive. Every time that you ignore a dental cleaning or you postpone an annual checkup or you just like convince yourself a weird system is just vibes, you are actually like putting yourself in a bit of financial peril because something could actually be wrong that you don't know about. And that's why I love ZocDoc because I know that health admin often feels like you need like a PhD in patients. But when you use Zoc Doc, it's a free app and website and you can literally just go on there and search by specialty or even by symptoms, read real patient reviews to understand the vibe, see real time availability and then just book an appointment so there's no calling, no waiting on hold, no front desk Olympics. Like they basically removed everything annoying about making your doctor appointments so that you can just find and book high quality in network doctors. Find someone that you love without needing a PhD in patients and if you want to do in person, awesome. They can accommodate it if you would rather do video. Also great. Stop putting off those doctor's appointments. Go to Zocdoc.com financialtea to find and instantly book a doctor you love today. That's z o c-o c.com financialtea thanks ZocDoc for sponsoring this Message. Okay, we need to talk about quints because this is exactly the kind of brand that makes getting dressed easier, smarter, and cost less. Quint is all about elevated essentials that feel effortless. So like the kind of pieces that you can actually build a wardrobe around. And everything is designed for layering and mixing. So you're not just buying trendy one offs that you have no idea how to actually style. Like you're buying those staples that you can reach for over and over again and actually make getting dressed easy. What they're really good at is nailing the basics, but with quality that's made to last. So like 100% European linen and organic cotton. And it shows the stitching, the feel, the way the pieces hold up season after season. Like, these are clothes that really can earn a piece in your rotation. So refresh your wardrobe with quint. Go to quint.comfinancialtea for free shipping on your order and 365 day returns. Now available in Canada too. That's q-u I n c.com financialtea 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. Or 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.
- [28:32]
C
And I looks gorgeous. I'm obsessed with the blue and the yellow. It's gorgeous.
- [28:36]
A
Thank you. So thank you.
- [28:37]
C
It's really cool. It's gonna jump off the shelves.
- [28:40]
A
Thank you. You know, that's is 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 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?
- [29:11]
C
I just think guilt is a default fault female setting. Like, I think that we are, you know, guilted by society. We're sometimes guilted by family and friends. You know, I've, 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, they Wanting kids like yesterday and you know, you're not quite there that you watching your parents get older and you're
- [29:37]
A
thinking the worst part for me.
- [29:38]
C
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 these are not the right reasons to have a child. Like they're not. And do you know what's really interesting is that, 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? So also. But I don't actually want to have my kid and then be out six days a week filming and, and literally come home at 10pm at night and not. And miss those formative like months, like first months. I don't want that. So I think that what you do get when your friends are having kids, they'll tell you this is fucking hard. Yeah. Like this fucking sucks sometimes. Yes, I love this baby. Yes, I'm like, you know, in like in love with my child. But you get, 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
- [30:42]
A
you're in your peak earnings.
- [30:43]
C
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 experience the true. Yeah. You know, that gap between like being in your parents house and being under there and then you trying to jump into your next sort of.
- [30:56]
A
Yeah.
- [30:56]
C
Now I feel like I'm in this genuinely like free era.
- [31:00]
A
I feel the same way.
- [31:01]
C
I just, I'm enjoying it so much. I'm 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 tick. 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.
- [31:18]
A
Yeah. We're the first generation of women to really have that freedom. Like for it to be glamorized. Like it's not like spin Survives. It's like, no. Like powerful hotties, like, who are just like, getting rich and like, waiting for someone to meet them at that level.
- [31:33]
C
And like, people love to harp on about, you know, we're in a throwaway, like, era of relationships. It's like, it's not. We're just the first generation of women that can actually lead.
- [31:42]
A
Leave. Yeah. And can choose.
- [31:43]
C
They can leave. Yeah. Like, and that's just. And I know that's like, that's the sad reality. It's like that so many of our grandparents, great grandparents, they. It's not like maybe they wanted to stay with our great grandfather. They didn't have a choice.
- [31:53]
A
Well, they couldn't even get credit cards in their own names. They literally. You. Your way of having any sort of independence from your nuclear family was to get married. There was no other path legally.
- [32:05]
C
No.
- [32:05]
A
So fuck the patriarchy.
- [32:07]
C
Yeah.
- [32:09]
A
Do you find that men are intimidated by like, like financially solvent women?
- [32:15]
C
Some. And it was never, 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, for some men it is, it's a, it's a point of insecurity. But then I just, I, I think that then that probably is an insecure male across the board. I don't often 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, you, 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 were not raised to handle women taking up so much 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 of ourselves and, and taking up the space that we deserve. But there's. There's some that are uncomfortable with it and that's issue. I'm not going to coach them for it.
- [33:16]
A
100.
- [33:16]
C
I've got time.
- [33:17]
A
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. Have you ever had to shrink yourself in a, like a little to keep a relationship comfortable?
- [33:33]
C
I've felt the resentment of past partners. I think I tried as a young woman. I, I chose a real couple of shit bags in a row who would constantly tell me after I've been out, you're so annoy or you talk too much or you're, you're so, you're so loud or you're, you know, it's like that kind of like that commentary does start to sort of set into your subconscious a little bit.
- [33:57]
A
Yeah.
- [33:58]
C
And so I, I kind of, I was made to feel by a lot of experience like I was difficult to love or difficult to like, you know, and that's something that you know, I can always credit to, to Bradley, like, you know, my, my ex, that he, he definitely like healed that wound in me because he, he never made me feel that way.
- [34:15]
A
So. Nice. 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 trad wife narrative, all of this. So I'm curious like what it means for you in a relationship to be financially independent. Like I always say that I'm a gold digger who has her own gold.
- [34:44]
C
Obsessed with that.
- [34:44]
A
Like we don't want to, we don't want to be a nurse. A purse.
- [34:47]
C
So I think that the worrying sort of glamorization 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, then 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 about these girls, they're a lot of the trad wives that you follow online are 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 a, it's, it's an experience that you know, you just. Heartbreak, relationship breakdowns, they suck so much. And it's like one of the worst things, things like physically 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, like, laurels, like, because now I don't have to do any negotiating. I can make the decision do I want to be and end up in somewhere I'm happy. And that. That's what I'd want for all women.
- [36:11]
A
Yeah.
- [36:11]
C
I. I interacted with. With girls at football clubs when their partners are players who are experiencing, like, infidelity. And they would talk to me and I'd 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. Like, you know, where am I going? Like. So then the alternative is, like, stay in their lovely big house, which is not even actually theirs, or go. Go back to their parents. Then a lot of people are staying in relationships for the wrong reasons.
- [36:43]
A
100.
- [36:44]
C
I need to break my heart a little bit because 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. That's horrible. I wouldn't want any of my friends or my family to be in that situation.
- [37:02]
A
Have a fuck you fund.
- [37:04]
C
Just have a. Yeah.
- [37:04]
A
Yeah.
- [37:05]
C
Have.
- [37:05]
A
Yes.
- [37:06]
C
Yeah.
- [37:06]
A
You always have to be able to leave. Leave.
- [37:08]
C
Yeah.
- [37:08]
A
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? Like, in your experience, like, how do you manage protecting your finances if you
- [37:27]
C
are like, I. I'm not opposed to my thing. It's a. I think it's a smart thing to do. I know in different countries they have. And it depends how you know. You need to have your own lawyer look over. And they have different. Different degrees of, like, how much they stand up and when things, you know, come to an end. But I think it's a good thing to have. If I'm honest. This is controversial. I feel like Bethany Frankel said this recently, and I listened to her and I was like, I really 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 see that way.
- [38:02]
A
I hear that on this show all the time.
- [38:04]
C
I 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 do we, like, I don't know, do we need to get the legal part of it involved? I just.
- [38:19]
A
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. Yeah. 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.
- [38:41]
C
Like.
- [38:41]
A
But I agree for some.
- [38:42]
C
I'm looking at it. Yeah. From my side. I completely agree. You know, and you know, and also they're so unsexy. But it's like you're going to marry someone and you are going to legally like bind yourself to them. It's like you need to understand their financial hygiene. So awkward. And it's something that, you know, I've, I, you know, I'm a little bit late out of the gate with all this. But understanding your partner's relationship with money, what they think 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 holidays. Some people, they gamble. Some people, they, you need to unlike. You need to have a real financial understanding of each other, which I think when you're young and in love, it's awkward. It's awkward and it's like it's the last thing you think. You think, I'll work it out later.
- [39:28]
A
Yeah. And we have, we have love. So everything else, like we watch the Disney movies. So like that'll get us through.
- [39:33]
C
And lights. A cat comes around the corner really fucking quick.
- [39:37]
A
Oh, that cat is gonna come, girl.
- [39:38]
C
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 lot of cash. You probably should use something else.
- [39:52]
A
Oh my gosh, 100%.
- [39:53]
C
There's such a liability and they're.
- [39:55]
A
So they invested the 50k that you put into a wedding in 30 years, it would be like. And you got like an 8 or 10% return. It would be around $850,000.
- [40:05]
C
That was your second.
- [40:06]
A
We have a trope on the show which is, like, how chic it is to be, like, rich older woman who with boyfriend who, like, visits her at night.
- [40:12]
C
Obsessed.
- [40:13]
A
Yeah, that's the goal. Like, yes, you're gonna have a partner, but it's like, maybe you have separate
- [40:18]
C
bathrooms and, like, you want separate bathroom.
- [40:20]
A
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.
- [40:30]
C
Like, because.
- [40:31]
A
Not older, just. Just rich woman with boyfriend.
- [40:33]
C
Yes, because it's like, sort of sexy.
- [40:36]
A
Like, Goldie Hawn had it right.
- [40:37]
C
Oh, my God. I'm obsessed with Goldie. Yeah. It's like, I think sometimes when I talk, it's like I never want to get misunderstanded, misunderstood for being someone that doesn't like men. 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.
- [40:57]
A
I love that.
- [40:58]
C
But I want one. They're so fun.
- [41:00]
A
Yeah, that is fun. Nothing better than a wet feel phone. We love it. Okay, I think that we can all agree that housing is expensive. Like rent, mortgage. It doesn't matter which one you're paying. It is your biggest monthly expense. So the question becomes, is it even doing anything for you? Like, are you getting rewarded for that money? Well, that's where built comes in. Built is a membership that rewards you with points on your housing payments, whether you rent or you own. And as of 2026, that include mortgage payments too. So every payment earns you points that you can redeem towards things that you're already spending on. Like Built. Points are honestly so valuable, you can exchange them for flights with partners like United, Hotel rooms with Hyatt Lyft rides, or even purchases on Amazon.com personally, I always use my points towards travel. I just book travel to Los Angeles for my book tour on it. And what I feel like is also really underrated is their neighborhood concierge. Like Built. Members can get help booking restaurant reservations, fitness classes, discovering new spots. It's this very seamless, lifestyle driven experience all connected to where you live, just like from being a built member. So I really feel like your biggest expense should feel a little more considered and give you rewards. And with built it is. So join the membership where you live at. Join Built.comT that's J-O-I-N-B-I-L-T.comT. i've been a member since 2022 and I've never regretted it. This episode is brought to you by Nespresso introducing Vertuo up, the latest in a long line of innovation from Nespresso. It's innovation you can touch, sense and taste in every single cup. With a three second start, easy open lever and dedicated brew over ice button, it's even easier to enjoy your coffee your way. Sip for yourself. Shop Vertuo up exclusively@nespresso.com 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.
- [43:06]
C
Oh my God. They need to.
- [43:07]
A
Come on.
- [43:08]
C
We need to get. We need that stuff on Hulu.
- [43:10]
A
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?
- [43:36]
C
We know there is a. There is a social currency the way we look and like there are. I'm not going to pull stats because I'll get them wrong, but there is a literal correlation between women. Yeah. In the workplace and how they.
- [43:46]
A
30% more.
- [43:48]
C
There you go.
- [43:48]
A
Yeah.
- [43:49]
C
So there is, there is a payback. And my job is slightly different because obviously where I 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 about 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 assessment industry has been designed to make money and basically like, prey on our insecurities.
- [44:31]
A
And subscription services too.
- [44:33]
C
Oh, you need 10 of these. You need five of these. Of course you fucking do. Yeah. If I designed a machine, you'd need 20, of course. So you need to, you know, one. Be really savvy. Shop around like you would for anything else. Don't go to your first. The first medi spa and then sign up. Shop around.
- [44:50]
A
Well, this happened to me with. So, first of all, I am in a terr. Terrible position where Botox stopped working on me.
- [44:56]
C
What?
- [44:56]
A
Yes. So, like, my.
- [44:57]
C
I heard this myth.
- [44:58]
A
It's not a myth. I've spent, like, thousands of dollars making sure it's not a myth, because I've, like, gone. I'm getting the. This one. I'm getting that filler. Like, it's not filler. That's what everyone always says. I've gotten them all. Doesn't matter. That doesn't work anymore. Now I have to switch to strain A. But it's more expensive. But it only lasts for a fortnight. And it's like, just. I need to go to Korea, girl.
- [45:21]
C
Yeah.
- [45:22]
A
Oh, my God. I need to get a forehead lift in Korea. That's what's happening over the summer. Like, we're gonna do something, but, like, the. I find I wasted so much money on that journey for. 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 aesthetic, I should do a laser first. I did a laser first. Guess what happened to me. I got melasma. So it's like. Because my. Like, we.
- [45:50]
C
We see you've been unlucky because of the two most rarest side effects. Like, one, you're the one. These rare people that Botox, that's working. And melasma as a side effect from laser. Again, one in a thousand.
- [46:01]
A
I know. Literally, like. And now I'm like, what do I do? Like, I'm getting microneedling. I'm getting chemical peels. Like, I'm trying to. It is. It's shitty. But, like, I. I want you to tell us, like, what's worth it and what's not worth it?
- [46:15]
C
It's so personal, right? And if you're going to spend money, the way I'd see it is, like, what's the. Is there something that bothers you? So if it's your skin or it's your nose or is it something that 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. Don't let society tell you, oh, you need to do CO2 laser because everyone else is doing it.
- [46:37]
A
Yeah, that's me, Fraxel.
- [46:39]
C
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 or I tweaked, like, I would feel more confident. I'd feel like I'd like to stand up in that meeting and assert myself more because I'm not, you know, so, you know, I know people that, that been so self conscious of their nose or they've got bad skin. Yeah. So that's where I would put your energy and your money. Then shop around. Because this, that industry is riddled with charlatans. Like, they are everywhere. They are everywhere.
- [47:10]
A
You have like a medi spa that you're very loyal to.
- [47:12]
C
I do. I have a doctor. Her name's Dr. Selena. Shout out Dr. Sal. She's, you know, went to medical school. She knows her stuff. She tells me straight the amount of times she's marched me out of her clinic, you know, and I've asked and she's like, no, you're good.
- [47:24]
A
Yeah.
- [47:25]
C
And I'm like, no, I want it. And she's like, so she will, she will cut the. With me. Like when I did my jaw tie because I, 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.
- [47:38]
A
Yeah.
- [47:38]
C
Every time I saw myself on telly, it used to just annoy me so much.
- [47:42]
A
Yeah.
- [47:42]
C
And she was like, yeah, you've got a little pocket of fat there. That's like genetics. 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. I'm like, should I do a lip flip? And she's like, no. Yeah. Like, you know, so I think you need someone that'll be honest with you. But I would, yeah. Shop around and go, don't let someone tell what you need. Think about if there might be nothing. And also to young girls and men watching this, just interfering with us, interfering with yourself. Apart from good skin care creates more problems down the line. So everything becomes a tax. You'll continue to pay veneers. I'm on my second set. They cost an absolute fortune. My last set cost me about £20,000 boobs. I'm on my second set because the first set 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 island so I could get a really good surgeon.
- [48:32]
A
You are.
- [48:32]
C
When you start interfering with yourself, you do. You are creating problems, like, and then you will have that for the rest of your life that you have to maintain. So don't put yourself. Let's bring back to finance. When the financial tea. Don't put yourself in a financial liability because your friend went and got, you know, fake knockers. You don't if. Unless it's something that's literally consuming you. When you get longer, you're 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 it.
- [49:05]
A
Yeah, like, I think Kris Jenner's on her last facelift. Like, they're not going to put that girl under again to do, like, that's
- [49:11]
C
a serious thing is. The sad thing is, and these are 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.
- [49:21]
A
Yeah.
- [49:21]
C
Don't think because someone's a medic that they always have the most, the, the cleanest moral compass because some people will just take your money. So that's why I would say, like, if you're going to go do surgery, I'd say four or five consultations minimum.
- [49:34]
A
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. You're not just an influencer, though. Your influencer, your T movie, like, icon. You're like, there's so much more. I don'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.
- [50:23]
C
Gosh. You know, like, for me to answer, it is. It's a Little bit difficult. But I, I think what it is that I tried to like, people do ask that question. I try to kind of examine it. And everything that I post online, I try to keep as authentic as you can with Instagram. I try and keep it quite real of my audience and cut through some of the. 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 relationship. A lot of influences made people in. 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 is going to land. Because like we're in a cost of living crisis. Like people have real problems.
- [51:05]
A
100 like whenever anyone says like, oh my God, my plane is delayed, I'm like, shut the up, you're on a plane. Like, congrats.
- [51:13]
C
Yeah. So and I. And I sort of. And I, you know, so. And if I do have a little advice, you know, I said I hated moving. But like a caveat with this being like, by the way, I know I 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 it. Have your have a reality. Stay 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 a relatability. There's always a through thing. So it's like. And I try and keep it kind of messy, kind of unfiltered. Like, you know.
- [51:47]
A
Well, the vulnerability is really amazing too. 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, it was.
- [51:58]
C
I'm always gonna say the thing that no one else wants to say.
- [52:01]
A
Yeah. I'm like was so compelled by that.
- [52:03]
C
Thank you.
- [52:04]
A
And I think it's so brave, but also probably nice to get the support of everyone.
- [52:08]
C
They are. I'm 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 had this one, I guess my podcast. And someone just wrote a really unkind comment and I literally wrote back. I went, we don't fucking need you. Don'. Watch another podcast and get off this page. And my. One of my producers was like, right for the Sponsor's sake. Can we just, like, keep the F word so minimal? I was like, no, I'm not having people be mean to my guests. So I do call out bullshit as well. So maybe it's a bit of a zero tolerance to bullshit.
- [52:36]
A
I love that. Okay, last question. You're obviously so ambitious, so successful. I know you are manifesting your private plane. I do want to go on it. But what is, like, your ultimate goal? Like, what does enough look like?
- [52:47]
C
I feel satisfied with my achievements. Kind of inside work and outside work. A bit. Like, a little bit. I don't believe. I. I'm a big believer. And I. 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.
- [53:04]
A
No.
- [53:05]
C
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.
- [53:14]
A
Yeah. But that's why we freeze up our eggs. We can do it later in life.
- [53:17]
C
Freeze our eggs and invest our money.
- [53:18]
A
Freeze our eggs and invest our money.
- [53:20]
C
Get that on a T shirt.
- [53:21]
A
Yeah. And I completely agree. Like, you can't get to where you want to go by having your foot. Just like by driving the speed limit.
- [53:28]
C
You can't do like nine till four. And then. And then. Yeah. And want to break through kind of the. The norm. So. But then some people. That's what they want, and that's fine.
- [53:37]
A
Yeah.
- [53:37]
C
Also.
- [53:38]
A
Okay. You are like, my. 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,
- [53:45]
C
so I love this interview. Interviewer. And you asked. I love having a conversation that's slightly different to, like, all the other conversations I have, but because it's like, I think it's important and I think when you do great work and I'm going to be buying the book.
- [53:56]
A
Please buy the book. Future rich person. Also, we listen to all of your name's just amazing. Okay, good. Well, that's like what we're trying to be.
- [54:03]
C
I don't have to come to Olivia's house, so you have to make a trip to London.
- [54:06]
A
I'll literally come to promote the book. Thank you so much for being here. Also, I would say we listen 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.
- [54:24]
C
Thank you so much.
- [54:24]
A
Thank you. And Doug, there's nowhere I wouldn't go to help someone customize and save on insurance with Liberty Mutual, even if it means sitting front row at a comedy show. Hey, everyone.
- [54:44]
C
Check out this guy and his bird.
- [54:45]
A
What is this, your first date? Oh, no. We help people customize and save on car insurance with Liberty Mutual together. We're married. Me to a human, him to a bird. Yeah, the bird looks out of your league anyways. Only pay for what you need@libertymutual.com Liberty. Liberty. Liberty. Liberty.