Bossbabe Podcast Episode 475: Simran Kaur of Girls That Invest

Release Date: August 7, 2025
Host: Natalie Ellis
Guest: Simran Kaur, Founder of Girls That Invest

1. Introduction and Guest Background

The episode kicks off with Natalie Ellis welcoming Simran Kaur, the founder of Girls That Invest, a leading investing education platform tailored for women. Simran provides an elevator pitch, highlighting the organization's extensive reach with over 100,000 newsletter subscribers, 10 million podcast downloads, and a substantial Instagram following. She emphasizes their mission to empower women through investing education, culminating in their flagship product, an investing masterclass that has educated 10,000 women globally.

[00:21] Simran Kaur: "We're one of the world's largest investing education companies for women... our main mission is to help women gain financial freedom."

2. Girls That Invest: Mission and Business Model

Simran delves deeper into the business model, explaining the strategic use of various media platforms to funnel engaged audiences into their paid masterclass priced at approximately $299. She appreciates the simplicity of this model, which allows them to offer extensive free content while providing an in-depth paid option for those ready to advance their financial knowledge.

[01:35] Simran Kaur: "We have free content across podcasts, newsletters, and social media, leading into our paid masterclass for more in-depth learning."

3. Dealing with Shiny Object Syndrome

Natalie and Simran discuss the common entrepreneurial challenge of shiny object syndrome—the temptation to chase new ideas at the expense of existing, successful ventures. Simran shares her personal strategies to combat this, such as doubling down on proven offerings and avoiding unnecessary diversification.

[03:32] Simran Kaur: "The key is to keep doing what works and make it better before considering anything new."

4. Current Economic Landscape and Its Impact

Addressing the tumultuous global economy, Simran likens the current financial instability to a looming war, advocating for strategic preparedness. She emphasizes the importance of creating a financial "war pantry"—building an emergency fund to weather economic downturns.

[06:47] Simran Kaur: "Think of the recession as a war and fill up your own war pantry with essentials to ensure you're prepared."

5. Personal Finance Strategies in Turbulent Times

Simran shares her personal approach to financial security, which includes maintaining an emergency fund covering three to six months of living expenses. She underscores the importance of understanding one's personal burn rate and avoiding lifestyle inflation to ensure financial resilience.

[11:21] Simran Kaur: "Having three to six months of life savings aside provides peace of mind and financial security during uncertain times."

6. Investing During Recessions: Principles and Strategies

The conversation shifts to investing strategies during economic downturns. Simran supports the adage that "millionaires are made in recessions," advocating for continued investment rather than panic selling. She shares historical insights, debunking myths around market crashes and emphasizing long-term growth.

[15:07] Simran Kaur: "Now is not the time to sell your shares; it's the time to keep investing as you normally would."

7. Simran's Investment Portfolio and Retirement Plans

Simran outlines her personal investment portfolio, which includes $1.5 million in the stock market and $1.2 million in real estate. She discusses her goal of building a $5 million portfolio to support a sustainable yearly drawdown rate, allowing for financial independence and flexibility in her lifestyle choices.

[18:13] Simran Kaur: "My goal is to reach a $5 million investment portfolio, allowing for a $200,000 annual drawdown rate."

8. Passive vs. Active Investing

Exploring investment methodologies, Simran differentiates between passive and active investing. She advocates for a predominantly passive approach, investing in index funds like the S&P 500 for stability and long-term growth, while allocating a smaller portion to active investing for potential higher returns.

[21:23] Simran Kaur: "80% of my investments are in index funds, providing stability, while 20% is allocated to active investing for higher returns."

9. Recommendations for New Investors

Simran provides actionable advice for women looking to embark on their investment journey. She emphasizes the importance of starting with an emergency fund, understanding personal expenses, and incrementally building an investment portfolio through index funds. For those seeking structured learning, she recommends joining her masterclass or subscribing to the Girls That Invest newsletter.

[24:35] Simran Kaur: "Start by securing your emergency fund, understand your burn rate, and then begin investing in index funds to build your portfolio gradually."

10. Conclusion and Resources

As the podcast wraps up, Simran promotes her masterclass and encourages listeners to join the Girls That Invest community for ongoing support and education. She praises the Bossbabe community, highlighting the mutual inspiration between their endeavors to empower women in business and finances.

[37:43] Simran Kaur: "If you're serious about learning to invest, our masterclass is a great next step. Join us at girlsthatinvest.com."

Natalie expresses gratitude for the insightful conversation, celebrating Simran's contributions to financial education for women.

Key Takeaways

• Emergency Fund: Establish a savings buffer covering three to six months of living expenses to navigate economic uncertainties.
• Investment Strategy: Favor a passive investment approach through index funds like the S&P 500, complemented by a smaller active investment portfolio for diversification and potential higher returns.
• Avoid Lifestyle Creep: As income increases, maintain consistent spending habits to maximize savings and investment growth.
• Continuous Education: Leverage educational resources, such as newsletters and masterclasses, to enhance financial literacy and investment acumen.
• Community Support: Engage with supportive communities to share knowledge, experiences, and encouragement in financial endeavors.

Resources Mentioned

• Girls That Invest: girlsthatinvest.com
• Start with Why by Simon Sinek
• Mr. Money Mustache: Influential figure in the financial independence and retire early (FIRE) community.

Notable Quotes

• Simran Kaur [00:53]: "Why are you doing this? What's your point?"
• Simran Kaur [11:21]: "Having three to six months of life savings aside provides peace of mind and financial security during uncertain times."
• Simran Kaur [15:22]: "Now is not the time to sell your shares; it's the time to keep investing as you normally would."
• Simran Kaur [21:23]: "80% of my investments are in index funds, providing stability, while 20% is allocated to active investing for higher returns."

This episode offers a comprehensive exploration of personal finance strategies, investment principles, and the importance of disciplined financial management, tailored specifically to empower women in achieving financial independence and security.