Ep 326: "You thought earning more would make the problems go away…” w/ Cleo Nedd

This week, Cyra (doctor and chartered accountant) interviews Cleo Nedd, a personal wealth strategist who helps high-achieving women turn income into lasting wealth and reduce reliance on exchanging time for money. Reflecting after International Women’s Day, they discuss how virtue signaling fails to close ongoing gaps in women’s financial access, confidence, and industry inclusion, shaped by the fact that women have only had independent banking and investing access for just over 50 years. Sarah shares subtle bias she experienced with mortgage brokers, estate agents, and solicitors, while Cleo highlights micro-aggressions, women self-disqualifying, and the male-dominated financial advisory sector. Cleo reframes higher income as requiring “added subtraction,” clearer personal money principles over rule-based advice, and better communication with partners. She also describes teaching children budgeting language and delayed gratification.

00:00 Welcome and Introductions

00:53 FU Money for Women

02:02 Beyond Managing to Owning

04:51 Why IWD Feels Hollow

07:51 Microaggressions in Money

11:52 Industry Barriers and Self Doubt

14:32 Radical Responsibility Mindset

18:38 Holding Wealth as Income Grows

24:12 Money Clarity with Partners

29:07 Principles Over Rules

32:18 Ethics and Investing Choices

34:18 Teaching Kids Money Habits

38:03 Wrap Up and Next Steps

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