YouSaid · the spoken record

Chelsea Fagan

lines on the record: 44
first: 2022-07-14
most recent: 2022-07-14
sittings or episodes: 1
sources: podcast

Every line below is reproduced as it was said and linked to the record it came from. Nothing here is summarised or generated. Directory · Search · Corrections

“Can't you know, or more literal socialism, so I can't say whether or not I would love it, but I do think that having a much more sort of regulated and infrastructured capitalism with much, much more limits on wealth accumulation, much higher taxation, much more subordinate resources for lower income folks, all of that, I think, is absolutely necessary, whether or not that's realistic for our country. I mean, I really don't know. I do think I personally see a lot happening politically, especially at the state and local level that I feel heartened by for sure.”
2022-07-14 · How I Built This with Guy Raz · HIBT Lab! The Financial Diet: Chelsea Fagan · IDENTIFIED FROM THE TRANSCRIPT
“Yeah, I mean, at the end of the day, like I am a capitalist quite literally, right? Like I'm not a very good one by sort of extraction of resources metrics, but I am a business owner and I am also an investor in the market and there are many ways in which the life I live and the things I do are definitely a product of a capitalist environment for sure. And as someone who sort of won at capitalism, I feel maybe not the most well positioned to criticize it, but I do think that the version of capitalism that we have in America is just needlessly harsh and destructive, you know, keeps people in a cycle of poverty. There are a million and one problems with the version of it that we have today. But I don't, I've never lived under communism.”
2022-07-14 · How I Built This with Guy Raz · HIBT Lab! The Financial Diet: Chelsea Fagan · IDENTIFIED FROM THE TRANSCRIPT
“Of course, yeah, of course, I do. In some ways, it's harder, but in some ways, social media does make it easier for people to find what they like and to form communities. You know, and I think there definitely is more competition, but even just from like an ad dollar's perspective, you know, when we were starting out, even YouTube wasn't taken that seriously by advertisers. We were having to fight tooth and nail for the scraps of ad dollars that were left over. And now digital ad spend is where people are going first.”
2022-07-14 · How I Built This with Guy Raz · HIBT Lab! The Financial Diet: Chelsea Fagan · IDENTIFIED FROM THE TRANSCRIPT
“A thousand percent. I think personally I would feel like it was a huge betrayal to my team. In that instance, I feel like I would have to like offer everyone some money and be like, you know, here, here's the money. If you guys want to leave, leave because it's not going to be the same party it was before, but I just don't see a reason to do that, especially if I'm not even myself financially necessary to the company anymore. There's no reason if it's not broke, don't fix it. And the kinds of pressures for not just growing quickly, but also maximizing profit, which we intentionally don't do, those would become insurmountable because if someone is investing in you, they want to see a return and they have every right to want that. But then we're obligated to put profit first. And there's no way that the way we operate today could be sustained in a growth first profit-first model.”
2022-07-14 · How I Built This with Guy Raz · HIBT Lab! The Financial Diet: Chelsea Fagan · IDENTIFIED FROM THE TRANSCRIPT
“Probably not. We've gotten into pretty protracted conversations with several different potential investors who are either looking to outright bias or to invest heavily. And we even got to well into due diligence in one instance. And I think what I learned from all of those experiences is that there's no iteration of TFD that takes on investor money that doesn't kind of nuke the editorial and labor practices to some extent.”
2022-07-14 · How I Built This with Guy Raz · HIBT Lab! The Financial Diet: Chelsea Fagan · IDENTIFIED FROM THE TRANSCRIPT
“Oh, for sure. I mean, also media is such a disaster zone of an industry. I mean, like half the companies that were around when we started in our space are gone. Basically every media company has gone through layoffs, restructurings, pivoting to video, pivoting away from video. You know, I mean, I have many, you know, friends and acquaintances in the industry and almost all of them have had an incredibly turbulent past 10 years professionally. We've never laid off a single employee and we've never had an unpaid intern. We've never had to do any of these things. Even during COVID, you know, the level of job security that we all kind of get to experience is, to me, that is way, way preferable to, you know, being big and splashy and growing really quickly for sure.”
2022-07-14 · How I Built This with Guy Raz · HIBT Lab! The Financial Diet: Chelsea Fagan · IDENTIFIED FROM THE TRANSCRIPT
“Correct Because also, you know, I just don't think that's not sustainable, but also demographically, we want to have people of all kinds of financial experiences talking. So, yeah, I mean, I think at the end of the day, eventually, you know, I'm going to die. So if nothing else, that'll be the end of it for me. But I genuinely don't really think in terms of a five-year plan, mostly because with COVID, with how fickle these platforms are, with how quickly these things can change, I know that any plan that I have today for what our digital strategy or our revenue strategy will be in five years is probably going to be totally obsolete.”
2022-07-14 · How I Built This with Guy Raz · HIBT Lab! The Financial Diet: Chelsea Fagan · IDENTIFIED FROM THE TRANSCRIPT
“Exactly. Like, I would be very happy with a 20% year-over-year growth rate, but like everyone has an awesome life and everyone's paid really well and we're making work that we really enjoy and we get to go home at the end of the day, you know, and keep our four-day work week and all of that kind of stuff. As far as my role within things, it's been for the past several years, the trajectory has been making myself less and less financially necessary for the company just for sustainability purposes and also like.”
2022-07-14 · How I Built This with Guy Raz · HIBT Lab! The Financial Diet: Chelsea Fagan · IDENTIFIED FROM THE TRANSCRIPT
“I think the difference is that I really just don't view growth as the metric of success really. Know it's nice to grow a little bit year over year, but We've never taken on any investments. Outside investors, because what they want is growth The most important marker of success. And I mean, that's capitalism, right? Like the line has to go up.”
2022-07-14 · How I Built This with Guy Raz · HIBT Lab! The Financial Diet: Chelsea Fagan · IDENTIFIED FROM THE TRANSCRIPT
“Well, we took a big old hit during COVID, but this year we're probably going to end up somewhere between 1.5 and $2 million in revenue.”
2022-07-14 · How I Built This with Guy Raz · HIBT Lab! The Financial Diet: Chelsea Fagan · IDENTIFIED FROM THE TRANSCRIPT
“Paid more than everyone else. Not by far. Because I think for us, for myself certainly, and I think we've cultivated a team where what is most important, most valuable is work-life balance. And, you know, we all have six weeks PTO. We have a pretty aggressive maternity leave, all of that kind of stuff. Outsized compensation for executives really flies in the face of that. So by having that more Co op like model, it really allows us to kind of have the best of both worlds, and it also keeps our employee retention basically forever. Like no one leaves, essentially. So that obviously in the long term ends up saving us a lot of money and time as well.”
2022-07-14 · How I Built This with Guy Raz · HIBT Lab! The Financial Diet: Chelsea Fagan · IDENTIFIED FROM THE TRANSCRIPT
“Yeah, so, well, it is more than that now. But, you know, we are not a nonprofit and we're not a co-op. However, we do kind of have a bit of a hybrid model where almost everyone in the company has some kind of base plus some sort of rev share commission bonus, et cetera. There are certain employees who prefer to keep their base low and they like to get a higher variable compensation or vice versa. We also recently implemented a four-day work week without a pay cut, so that's effectively a 20% bump for everyone. We try to be very, you know, as equitable as humanly possible. The range of compensation in the”
2022-07-14 · How I Built This with Guy Raz · HIBT Lab! The Financial Diet: Chelsea Fagan · IDENTIFIED FROM THE TRANSCRIPT
“I mean, you just have to disclose that it's an ad, right? And I mean, we disclose For financial services companies that we actually use all the time, you know, we've worked with Intuit. I've used Mint forever. We used to use QuickBooks for years at the company. You know, we have done ads for robo advisors that our own team uses, all that kind of stuff. So there are things, in fact, the times that it becomes most blurry is when we're advertising for people that we have organically and unprompted endorsed in the past. But I think, you know, obviously we're only working with companies that are above board and that we would use ourselves or do, but we're super careful about making sure to properly. It's a huge of mine when it digital creators and influencers don't properly disclose their ads.”
2022-07-14 · How I Built This with Guy Raz · HIBT Lab! The Financial Diet: Chelsea Fagan · IDENTIFIED FROM THE TRANSCRIPT
“Sure, but I do think even financially it's in our long term best interest. I mean, the personal finance people who were Hardcore shilling crypto to their audience, they saw a serious blowback from their audience, especially now.”
2022-07-14 · How I Built This with Guy Raz · HIBT Lab! The Financial Diet: Chelsea Fagan · IDENTIFIED FROM THE TRANSCRIPT
“Yeah, it's tough. I mean, we have this conversation all the time. It's not a perfect science. Also, I mean, I hate to say it, but like in the world of financial services companies, you're going to have a hard time finding any of them that have a perfectly unblemished past in some respect or another. So, you know, part of it is kind of a gut check. There are hard lines for us, we don't do weight loss stuff. We certainly don't do crypto, even though they flooded our industry over the past year with crazy ad dollars.”
2022-07-14 · How I Built This with Guy Raz · HIBT Lab! The Financial Diet: Chelsea Fagan · IDENTIFIED FROM THE TRANSCRIPT
“Exactly. And we actually double dip. We have our pre-roll ads on, and we have the corporate sponsor. And our audience, we have the best audience, I have to say. They're very kind about, you know, you got to make your money somehow, ladies, you know. So they're really sweet. So that's a big part of it. Our grand partnerships are also distributed throughout our newsletter, which is where we publish articles and social media and all of that. Outside of that, we also do licensing, we do have a membership program for exclusive content and things like that. So we try to be as diversified as possible, but at the end of the day, media companies, there's only so many ways they can make money.”
2022-07-14 · How I Built This with Guy Raz · HIBT Lab! The Financial Diet: Chelsea Fagan · IDENTIFIED FROM THE TRANSCRIPT
“And how it works. Yeah. So the largest segment of our business by sort of product or platform are our events. So that's classes, workshops, conferences, things like that. It used to be all in person. We did all digital for the pandemic. Now we're doing kind of a mix. And within that, there are about half that are ticketed. So we're selling direct to the consumer or the other half is in partnership with a sponsor. A corporate sponsor and usually those are free to the audience. So just in terms of scale, that's the biggest part of what we do. Second to that, pretty close second is YouTube, obviously a big, big part of what we do.”
2022-07-14 · How I Built This with Guy Raz · HIBT Lab! The Financial Diet: Chelsea Fagan · IDENTIFIED FROM THE TRANSCRIPT
“And what counts there is just maximizing eyeballs. And the, you know, value per eyeball is super low. So you got to do clickbait and you got to, you know, publish scandalous stuff or really sloppy stuff or, you know, comment on trending topics. You have no business speaking on. For us, the value of an ad that we do per person, even setting aside the demographic value, which is high, is so much higher because there is a level of quality. We're speaking about money already. So if our advertiser is in that space, you have the most direct relationship with that consumer. We want to maximize the value of each piece of our content and each person in our community. And, you know, that's never, ever going to happen by casting as wide a net as possible. Want to speak to everyone.”
2022-07-14 · How I Built This with Guy Raz · HIBT Lab! The Financial Diet: Chelsea Fagan · IDENTIFIED FROM THE TRANSCRIPT
“Exactly, and I think something that I learned early on working in media is that, you know, if you're dealing in scale, you're in a race to the bottom. There's no two ways about it. I mean, the era of the Facebook clip. That kind of stuff, most of those companies are gone, but even the ones that survive, I mean, they rely on what's called programmatic advertisements. So things like the automatic ads that play before a YouTube video or the banner ads that you see on websites, things like that.”
2022-07-14 · How I Built This with Guy Raz · HIBT Lab! The Financial Diet: Chelsea Fagan · IDENTIFIED FROM THE TRANSCRIPT
“Their job is to translate these ideas, not to be themselves scientists or what have you. And so I really sort of look at myself the same way in my relationship to personal finance. And so I think in some ways that relieves me of the responsibility of like I'm not out here giving people individual advice, you know, and especially when it gets to the more esoteric stuff, we pass that off to real experts. I think what I want to stress to our audience more than anything is that this isn't hard. This isn't difficult to learn. It's not complicated. Anyone who's trying to make finance, personal finance sound complicated or like there's a lot of math in it or things like that, they're probably just trying to get money out of you because there's really not that much to know, honestly. Spend less than you make. I mean, there's really not.”
2022-07-14 · How I Built This with Guy Raz · HIBT Lab! The Financial Diet: Chelsea Fagan · IDENTIFIED FROM THE TRANSCRIPT
“Of biosmosis, I do take. Pains to say that I'm not a financial expert. I don't have certifications I don't know my series seven. I'm not a CFP, none of that. So we contract out to a lot of them and we have great relationships with a lot of actual subject matter experts that we work with quite frequently. But I mean, I look at the model that John and Hank have with a lot of their content where they're really, they're communicators, they're educators.”
2022-07-14 · How I Built This with Guy Raz · HIBT Lab! The Financial Diet: Chelsea Fagan · IDENTIFIED FROM THE TRANSCRIPT
“But you know, it's a very specific type of woman. And I mean, it's important to state that even a woman who is educated, has money, works full-time, et cetera, on average women are still not the financial decision makers. They make day-to-day decisions in the household generally, but they're not the long-term financial planners of heterosexual couplings. The type of woman who is really interested in like building out her own investment portfolio or managing her own retirement or buying a house and kind of leading that process, even amongst women who demographically fit the bill, it's a pretty self-selecting group.”
2022-07-14 · How I Built This with Guy Raz · HIBT Lab! The Financial Diet: Chelsea Fagan · IDENTIFIED FROM THE TRANSCRIPT
“Yes, but with the largest section of that by far being like twenty five to thirty four in that sort of like. Know young adults really getting your S together kind of phase of life, they're also generally professional in some capacity, generally have at least a bachelor's, huge amount of them have postgraduate degrees, tend to be clustered in urban markets.”
2022-07-14 · How I Built This with Guy Raz · HIBT Lab! The Financial Diet: Chelsea Fagan · IDENTIFIED FROM THE TRANSCRIPT
“We're a very demographically narrow company, very niche. Well, I mean, listen, it is only in the world of personal finance are women considered a niche. I mean, we are the majority of the population. We our audience is almost exclusively women, which especially when we started was very unusual in the personal finance space.”
2022-07-14 · How I Built This with Guy Raz · HIBT Lab! The Financial Diet: Chelsea Fagan · IDENTIFIED FROM THE TRANSCRIPT
“No, I don't think I was, but I also, like I said, I mean, I had enough experience in the monetization aspect of it that from day one I had a pretty keen understanding of how to turn content into money. I think really the infrastructure of a business is what came later.”
2022-07-14 · How I Built This with Guy Raz · HIBT Lab! The Financial Diet: Chelsea Fagan · IDENTIFIED FROM THE TRANSCRIPT
“Not really. I think so. I worked at Thought Catalog with our third partner. We have a third partner. She worked in the branded content department. So she was very responsible for getting clients and building out ad campaigns, which is how we make the majority of our money. And so she had left and was working at a nonprofit. And I had reached out to her. This is maybe a year into our existence, maybe a little less. And I said, you know, we're really looking to kind of build this out into a proper business. Do you want to join in, help us out? So she started for that first year or so nights and weekends. She got like a monthly stipend plus commission on everything she brought in. And of course, some ownership in the company. But she really was the one who came on and sort of mapped out the business end of it.”
2022-07-14 · How I Built This with Guy Raz · HIBT Lab! The Financial Diet: Chelsea Fagan · IDENTIFIED FROM THE TRANSCRIPT
“We got all the IP and all of our rights and all, you know, keep 100% of our money and all of that. So we couldn't have landed on better people in that regard.”
2022-07-14 · How I Built This with Guy Raz · HIBT Lab! The Financial Diet: Chelsea Fagan · IDENTIFIED FROM THE TRANSCRIPT
“So that was about a year later. We kept in touch with Hank. I met up with him in New York for dinner. You know, he basically was like, have you ever thought about it? Turning this into videos. And I was not really even a watcher of YouTube at the time. I didn't know anything about it. And I was like, maybe why not? And he goes, well, you know, we have this production company. If you come on, we'll give you the resources, teach you how to make videos, teach you, you know, the back end of YouTube, all of that, send someone out to New York to film you guys, this and the other. And, you know, we did a rev share. So for the first two years of having a YouTube channel, we were a co-production with complexly, which is their YouTube production company. And then a few years into it, we went totally independent and took it all back in house. And to their credit, I mean, Hank is just very few people on the internet are as like decent a human being as he is, but they were very generous about making sure that we.”
2022-07-14 · How I Built This with Guy Raz · HIBT Lab! The Financial Diet: Chelsea Fagan · IDENTIFIED FROM THE TRANSCRIPT
“On my work computer in the office, like spending all day working on my personal blog. And I was like, okay, clearly, this is what you want to be doing.”
2022-07-14 · How I Built This with Guy Raz · HIBT Lab! The Financial Diet: Chelsea Fagan · IDENTIFIED FROM THE TRANSCRIPT
“YouTube video production company, mostly in the educational space, they reached out to us because they have a kind of like a, it's like a foundation essentially that gives grants out to things on the internet that they like and want to see more of. So they sent us $5,000, which again at the time was like, oh my gosh. And also, I mean, you know, it wasn't just the money. It was they shared us and they were kind of institutionally supporting us in that way. We kind of took that as, okay, like let's give this a try full time. We use that money to kind of set up the company legally and structurally. And we were both still like, I was freelancing quite a bit through that first year. And she was also freelancing and doing some, you know, kind of catering jobs and whatnot to just kind of make the bills. But it was a pretty quick and precipitous transition. I mean, looking back, I don't know what I was thinking. I was like,”
2022-07-14 · How I Built This with Guy Raz · HIBT Lab! The Financial Diet: Chelsea Fagan · IDENTIFIED FROM THE TRANSCRIPT
“So on like the third day of operating TFD is just a personal project, my co-founder Lauren, who was working at an ad agency as a designer at the time, emailed me and said, hey, I love your work. I really love this blog idea. I'd love to redesign it as kind of material for my portfolio. I'm trying to branch out. You know, she wasn't in love with her job either. And so she redesigned the whole thing for free as kind of a project. A few months later, John and Hank Green, who are authors YouTubers, they have a very, very large...”
2022-07-14 · How I Built This with Guy Raz · HIBT Lab! The Financial Diet: Chelsea Fagan · IDENTIFIED FROM THE TRANSCRIPT
“Yeah, and also to kind of create a support system around it and talk to other people about it and feel less, you know, anxious.”
2022-07-14 · How I Built This with Guy Raz · HIBT Lab! The Financial Diet: Chelsea Fagan · IDENTIFIED FROM THE TRANSCRIPT
“It was life changing for me at that time. And it was the first time not only that I had that kind of money, but all at once. And so the first thing I wanted to do was pay off my debts because I basically couldn't use my phone anymore because of all the collection calls I was getting. And so I paid it all off. And by the time I was 25, I was living in New York. And I had a little in savings. I was making a very low salary at that time, but I was still combined with my now husband's income. You know, I was able to pay my bills. And I felt like I had the ingredients to be an adult financially, but I was only just sort of like making the bare minimum. So I started a tumbler at the time, a personal blog, to hold myself accountable to kind of improving my relationship with money. And that's how I started doing it.”
2022-07-14 · How I Built This with Guy Raz · HIBT Lab! The Financial Diet: Chelsea Fagan · IDENTIFIED FROM THE TRANSCRIPT
“Now accepting boyfriend applications, and it was a list of criteria. It was very snarky, I would say almost kind of mean. And I still to this day get some disgruntled men writing to me about it. And I actually met my now husband. Our first date was the day it was published. So I'll talk about Kismet. Accepted that application, but so yeah, that went viral. And I mean, I wouldn't say it was. Difficult, but I will say, I mean, I'm pretty candid about the fact I was writing for some pretty established outlets in the first year of writing, and it for a long time I wasn't paid for anything. I wrote for free for quite some time, many, many, many articles. So, in that sense, it was just a bit of a slog because I was going to school at the time in France and I had a full-time job. So that was hard.”
2022-07-14 · How I Built This with Guy Raz · HIBT Lab! The Financial Diet: Chelsea Fagan · IDENTIFIED FROM THE TRANSCRIPT
“Um, easy, I don't know. I think, I mean, I just cold pitched an article and it got picked up right away in the first article I wrote went viral and I had several.”
2022-07-14 · How I Built This with Guy Raz · HIBT Lab! The Financial Diet: Chelsea Fagan · IDENTIFIED FROM THE TRANSCRIPT
“Yes, writing for sure. And I think once I was able to write things that I felt more strongly about, what it definitely gave me was, I mean, I easily write 5,000 words a day because I'm just like so used to cranking out. Content. And it definitely, I mean, I started out as a writer there. And by the end, I was the creative director for all of the branded content. So I was in charge of like all of the content that we were doing in partnership with brands to kind of pay the bills. So it did give me a really, really clear view into how to make money on media, which obviously proved useful later.”
2022-07-14 · How I Built This with Guy Raz · HIBT Lab! The Financial Diet: Chelsea Fagan · IDENTIFIED FROM THE TRANSCRIPT
“Any and everything, you know, it was also the area of the internet where people were heavily encouraged to write about their personal lives. So, you know, I wrote listicles. I wrote. Essays about life. I wrote some rather embarrassing things. Honestly, I wrote a book at that time that was, you know, kind of similarly positioned. But yeah, I certainly wasn't writing about money.”
2022-07-14 · How I Built This with Guy Raz · HIBT Lab! The Financial Diet: Chelsea Fagan · IDENTIFIED FROM THE TRANSCRIPT
“Absolutely. Yeah, I mean, you mentioned the tickets. I mean, I got arrested because of, you know, my financial problems because it led to me driving on a suspended license and all of that stuff. And for a long time, I didn't talk about any of these things even after I had sort of cleaned up my situation because of that, you know, embarrassment that you're talking about. But I think, you know, especially as it pertains to money, so many people are raised in such an extreme level of taboo with regards to money. Whether they have it or they don't, you know, a lot of people are raised not to talk about it. And for people for whom it was a source of stress, all the more so. But I think for me anyway, it's almost sort of felt like a superpower to be so candid about money because you really feel”
2022-07-14 · How I Built This with Guy Raz · HIBT Lab! The Financial Diet: Chelsea Fagan · IDENTIFIED FROM THE TRANSCRIPT
“Exactly. You know, obviously decimated my credit score, went to collections. I was constantly overdrafted, having to use check caching services because I owed so much money to my bank, constantly, constantly sort of running from my own financial mess for sure.”
2022-07-14 · How I Built This with Guy Raz · HIBT Lab! The Financial Diet: Chelsea Fagan · IDENTIFIED FROM THE TRANSCRIPT
“Exactly. And so I got a Hello Kitty branded visa credit card Maxed it out basically immediately and then through the garbage and never opened my mail.”
2022-07-14 · How I Built This with Guy Raz · HIBT Lab! The Financial Diet: Chelsea Fagan · IDENTIFIED FROM THE TRANSCRIPT
“No, it's not. I think, but unfortunately, my senior year of high school was still pre-crash of 2008. So they had like Bank of America and other banks had like booths set up in our high school to get you a credit card.”
2022-07-14 · How I Built This with Guy Raz · HIBT Lab! The Financial Diet: Chelsea Fagan · IDENTIFIED FROM THE TRANSCRIPT
“But I had a huge amount of kind of insecurity and shame around money. And typically people who grew up with those kind of money issues, it usually goes one of two ways. They either become big spenders and are very compulsive with money, which was my case, or you become kind of a hoarder with money and very obsessive and often overly frugal. But I was a very compulsive spender, especially on things that felt like they conferred status, you know, clothing, restaurants, travel image kind of based things.”
2022-07-14 · How I Built This with Guy Raz · HIBT Lab! The Financial Diet: Chelsea Fagan · IDENTIFIED FROM THE TRANSCRIPT
“And I went to school and socialized with a lot of people who were very, very wealthy. You know, it was very common for kids at my high school to get new BMWs for their 16th birthday or, you know, take lavish trips to Europe in the summer and all that kind of stuff. And we were more at middle income by that time, definitely still not wealthy by any means, but we were definitely in a better financial situation by my high school years than we were when I was a kid. But because I was comparing myself and surrounded by such high levels of wealth, I mean, I also worked at a yacht club, you know, often serving in very expensive restaurants. Like because I was in that kind of context of wealth, I actually felt much poorer than when I actually was much poorer.”
2022-07-14 · How I Built This with Guy Raz · HIBT Lab! The Financial Diet: Chelsea Fagan · IDENTIFIED FROM THE TRANSCRIPT
“Yeah, so just for a little background, so I lived until at the age of about 11 in Charlotte, North Carolina. My family was definitely low income at that time. We lived in a pretty low income community. And I've often sort of made the observation looking back that being low income in a low-income community, you actually in many ways don't really feel your kind of socioeconomic status very much, but we moved around that age to Annapolis, Maryland, which is an extremely affluent community.”
2022-07-14 · How I Built This with Guy Raz · HIBT Lab! The Financial Diet: Chelsea Fagan · IDENTIFIED FROM THE TRANSCRIPT