https://www.ladysplainingmoney.com/ladysplaining-blog daily 1.0 2025-06-18 https://images.squarespace-cdn.com/content/v1/5cbfe432b7c92c2cb4f2316b/1557589842072-YF0GPZSU9KU7KK6U1CHN/Ladysplaining_Logo_Final+%281%29+white.png Ladysplaining Blog https://images.squarespace-cdn.com/content/v1/5cbfe432b7c92c2cb4f2316b/1593090571948-CUGYK8325F4XVEQ7DGOQ/Copy+of+Save10_042120_Covers_V10_RGB.jpg Ladysplaining Blog - Pay Yourself First. Change Your Life. Young women are funneled into an economic system designed to rob our freedom, little by little, leaving many living paycheck to paycheck. Mere months in the “real world” transform the dreamy and ambitious to the beat down and stressed. What if sidestepping that funnel of dread isn’t as hard as we think? Unlike other budgeting books that hinge on self-judgment and financial deprivation, But First, Save 10 teaches a simple system designed to yield abundance and joy. Buck that unfulfilling job, start your dream business, or plan retirement on your own terms—this system is your ticket to a life of true freedom, however you define it. https://images.squarespace-cdn.com/content/v1/5cbfe432b7c92c2cb4f2316b/1611077747095-TT43IDPD7WY3BI4PCP2I/bi-logo+copy.jpg Ladysplaining Blog https://images.squarespace-cdn.com/content/v1/5cbfe432b7c92c2cb4f2316b/1605558468382-OMRHBK4PN9OZ2EMHSOLB/NextAdvisor.jpg Ladysplaining Blog https://images.squarespace-cdn.com/content/v1/5cbfe432b7c92c2cb4f2316b/1605558492849-DFTL5S6VZ91YUAX5IRXE/Time_Magazine_logo_red_bg.png Ladysplaining Blog https://images.squarespace-cdn.com/content/v1/5cbfe432b7c92c2cb4f2316b/1605558445248-ZCE8LSF7PSTEULOUU99K/forbes-2.jpg Ladysplaining Blog https://images.squarespace-cdn.com/content/v1/5cbfe432b7c92c2cb4f2316b/1592947590379-OK2Q1E8AL4RYMBT9GQ7L/Photo%2Bcredit%2BJason%2BMasters.jpg Ladysplaining Blog - Sarah Catherine Gutierrez Sarah Catherine Gutierrez is a speaker, writer and owner of a financial planning company, called Aptus Financial. 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Financial Planning Financial Planning blah blah blah https://images.squarespace-cdn.com/content/v1/5cbfe432b7c92c2cb4f2316b/1593091485518-3VUOCFMIHT0YNY6EDHTC/Speaking+Icon+Updated.png Ladysplaining Blog - Speaking Bringing the world of finance alive for women and inspiring them to take charge of money https://images.squarespace-cdn.com/content/v1/5cbfe432b7c92c2cb4f2316b/1592946358920-AJMI1KFGGQOAGRX2YP5E/Physician+Icon-01.png Ladysplaining Blog - Education for Physicians Helping physicians pay off student loans, save, and invest tax-efficiently to build wealth https://images.squarespace-cdn.com/content/v1/5cbfe432b7c92c2cb4f2316b/1556761885032-8YC0ALPLHO206RKR9QVF/AdobeStock_136121098.jpg Ladysplaining Blog https://images.squarespace-cdn.com/content/v1/5cbfe432b7c92c2cb4f2316b/1560019775772-X7F2VK7UQBZJB728G4IM/Sarah%252BHeader%252BImage.jpg Ladysplaining Blog https://www.ladysplainingmoney.com/blog-entries daily 0.75 2021-10-25 https://images.squarespace-cdn.com/content/v1/5cbfe432b7c92c2cb4f2316b/1557593372406-2GG514SNEULPO6FHWM4K/SC+speaking+1+%281%29.jpg Blog Entries https://www.ladysplainingmoney.com/blog-entries/college-decisions monthly 0.5 2021-10-25 https://www.ladysplainingmoney.com/blog-entries/hope-and-optimism-are-highly-profitable-investments monthly 0.5 2021-10-25 https://www.ladysplainingmoney.com/blog-entries/rule-of-14 monthly 0.5 2021-10-25 https://www.ladysplainingmoney.com/blog-entries/build-a-sturdy-financial-foundation monthly 0.5 2021-10-08 https://www.ladysplainingmoney.com/blog-entries/time-is-the-most-precious-commodity monthly 0.5 2021-10-08 https://www.ladysplainingmoney.com/blog-entries/early-focus-on-retirement monthly 0.5 2021-10-08 https://www.ladysplainingmoney.com/blog-entries/maturing-as-a-saver-begins-with-trusting-ones-fresh-identity monthly 0.5 2021-09-11 https://www.ladysplainingmoney.com/blog-entries/save-yourself-take-the-challenge-live-a-month-without-spending monthly 0.5 2021-08-17 https://www.ladysplainingmoney.com/blog-entries/no-matter-the-purchase-a-dollar-cannot-be-stretched monthly 0.5 2021-07-14 https://images.squarespace-cdn.com/content/v1/5cbfe432b7c92c2cb4f2316b/1626293301690-T4TTS8WKS28IHZE9S5SR/unsplash-image--8a5eJ1-mmQ.jpg Blog Entries - 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Fewer Toys--More 529s https://www.ladysplainingmoney.com/blog-entries/just-go-with-the-cash-flow monthly 0.5 2019-06-22 https://images.squarespace-cdn.com/content/v1/5cbfe432b7c92c2cb4f2316b/1561207226362-MF0ANHAQJBSTA4EV30GF/yoga.jpg Blog Entries - Just Go With The Cash FLOW https://www.ladysplainingmoney.com/blog-entries/stop-with-all-the-mansplaining-please monthly 0.5 2019-06-22 https://images.squarespace-cdn.com/content/v1/5cbfe432b7c92c2cb4f2316b/1561064409327-446OKA1G63TZKPJO59WJ/henri-meilhac-156026-unsplash.jpg Blog Entries - Stop with all the mansplaining. 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The notion of beating the market is to say, “If the S&P 500 goes up 5% this year in price, I hope the stocks that I own will go up more than that.” The way to do that is to only buy the stocks that will go up. Seems reasonable. https://www.ladysplainingmoney.com/blog-entries/ladysplaining-the-point-ymdc3 monthly 0.5 2019-05-10 https://www.ladysplainingmoney.com/blog-entries/talk-about-money-eyagd-xe6jc-bxsyn-x4emf monthly 0.5 2019-05-10 https://www.ladysplainingmoney.com/blog-entries/talk-about-money-gyzkt monthly 0.5 2019-06-20 https://images.squarespace-cdn.com/content/v1/5cbfe432b7c92c2cb4f2316b/1556895421164-QEHT7HJL5N3ZD4LT0LRQ/woman Blog Entries - #Save10 The Guy Who Leaned In “So why women? Why young women, in particular? The answer to this is that women feel particularly alienated by the financial industry.” https://www.ladysplainingmoney.com/blog-entries/ladysplaining-the-point monthly 0.5 2019-05-10 https://www.ladysplainingmoney.com/blog-entries/category/Debt monthly 0.5 https://www.ladysplainingmoney.com/blog-entries/category/Investing monthly 0.5 https://www.ladysplainingmoney.com/blog-entries/category/Wall+Street monthly 0.5 https://www.ladysplainingmoney.com/blog-entries/category/2020+Pandemic monthly 0.5 https://www.ladysplainingmoney.com/blog-entries/category/Healthcare monthly 0.5 https://www.ladysplainingmoney.com/blog-entries/category/Saving monthly 0.5 https://www.ladysplainingmoney.com/blog-entries/category/Cash+Flow+Management monthly 0.5 https://www.ladysplainingmoney.com/blog-entries/tag/downturn monthly 0.5 https://www.ladysplainingmoney.com/blog-entries/tag/emergency+fund monthly 0.5 https://www.ladysplainingmoney.com/blog-entries/tag/retirement monthly 0.5 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https://www.ladysplainingmoney.com/blog-entries/tag/money monthly 0.5 https://www.ladysplainingmoney.com/blog-entries/tag/mortgage+payments monthly 0.5 https://www.ladysplainingmoney.com/blog-entries/tag/boringinvesting monthly 0.5 https://www.ladysplainingmoney.com/blog-entries/tag/deductible monthly 0.5 https://www.ladysplainingmoney.com/blog-entries/tag/psychology+of+money monthly 0.5 https://www.ladysplainingmoney.com/blog-entries/tag/women+and+money monthly 0.5 https://www.ladysplainingmoney.com/blog-entries/tag/outofpocket monthly 0.5 https://www.ladysplainingmoney.com/event-entries daily 0.75 2019-05-02 https://www.ladysplainingmoney.com/event-entries/test-event monthly 0.5 2019-05-02 https://www.ladysplainingmoney.com/investing daily 0.75 2019-06-08 https://images.squarespace-cdn.com/content/v1/5cbfe432b7c92c2cb4f2316b/1557589842072-YF0GPZSU9KU7KK6U1CHN/Ladysplaining_Logo_Final+%281%29+white.png Investing https://images.squarespace-cdn.com/content/v1/5cbfe432b7c92c2cb4f2316b/1557592097403-3QXFC02LN5R7XCOJGA1X/SCone.jpg Investing - Sarah Catherine Guiterrez Sarah Catherine Gutierrez is a speaker, writer and owner of a financial planning company, called Aptus Financial. She is passionate about demystifying the financial world to women so that they can focus on the most important thing we need to do: save money for our future selves. There is no one better equipped to explain the financial world than someone who came from analyzing investments, and she has chosen to bring women to the world of finance through humor, honesty, plain English, and at most of her hosted events, with a fair amount of wine and chocolate. She lives a beautifully simple life in Little Rock, Arkansas with her husband, Jorge, and their three kids, Marco, Max and Lucia. She hopes to one day have a dog (but hasn’t convinced her husband of that yet.) SC and Jorge own a salsa dance venue in the heart of the Rivermarket district in downtown, Little Rock, where they share their passion for dancing. It is at that venue that SC educates women on money and helps them make daring commitments to save for the future. https://images.squarespace-cdn.com/content/v1/5cbfe432b7c92c2cb4f2316b/1557587128874-A4BYTIEIF4KYAG3XDOVV/SC+speaking+1+%281%29.jpg Investing https://images.squarespace-cdn.com/content/v1/5cbfe432b7c92c2cb4f2316b/1557603474625-5P83C79HIVD86D5P4B2U/gray+background+small.jpg Investing https://www.ladysplainingmoney.com/speaking daily 0.75 2025-11-21 https://images.squarespace-cdn.com/content/v1/5cbfe432b7c92c2cb4f2316b/14603ba6-7d28-4b8e-839d-9b34e1caa427/DSCF1293.JPG Speaking https://images.squarespace-cdn.com/content/v1/5cbfe432b7c92c2cb4f2316b/1603225335650-J6CWHSC1YM0YBOF0JBJ3/BulkDiscount.png Speaking Please contact etaliapressbooks@gmail.com for shipping details. https://images.squarespace-cdn.com/content/v1/5cbfe432b7c92c2cb4f2316b/7c6c80af-8ba9-4328-aae2-49336da52b90/ACA_2755-Edit.jpg Speaking - WHY SC? Sarah Catherine “SC” Gutierrez is a speaker, writer, and owner of Aptus Financial, a fixed-fee financial planning company. She is passionate about demystifying the financial world to women so that they can focus on the most important thing we need to do: save money for our future selves. There is no one better equipped to explain the financial world than someone who came from analyzing investments, and she has chosen to bring women to the world of finance. Through humor, honesty, plain English, and at most of her hosted events, with a fair amount of wine and chocolate. Sarah Catherine earned an MPP from Harvard University and holds the CFP® CRPS® designations. Her first book But First, Save10 is available on Amazon. https://images.squarespace-cdn.com/content/v1/5cbfe432b7c92c2cb4f2316b/1593096777086-42SLU0W5Z77TX2GDXOYM/Ghidotti.jpg Speaking https://images.squarespace-cdn.com/content/v1/5cbfe432b7c92c2cb4f2316b/1593096753307-8TD4JF284II5RUO4DZJQ/ArkTimes.jpg Speaking https://images.squarespace-cdn.com/content/v1/5cbfe432b7c92c2cb4f2316b/1614712999272-V03E0ZHORLGRO15C2AZI/image008.png Speaking https://images.squarespace-cdn.com/content/v1/5cbfe432b7c92c2cb4f2316b/e6ccad37-f7a1-42e8-81e8-1fe2fca72ac8/Ep+39+Podcast+thumbnail+%281080+x+1080+px%29+1.png Speaking - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5cbfe432b7c92c2cb4f2316b/1593031595504-UFANZH3KRLP4XM71C11Y/Logo1.png Speaking https://images.squarespace-cdn.com/content/v1/5cbfe432b7c92c2cb4f2316b/1593096324628-EHPN3RPIBSNIY5K5CBBT/Logo2.png Speaking https://images.squarespace-cdn.com/content/v1/5cbfe432b7c92c2cb4f2316b/1614713069557-NMO0W1O1TCA4RHDMXY5U/image007.jpg Speaking https://images.squarespace-cdn.com/content/v1/5cbfe432b7c92c2cb4f2316b/1593096665336-JB973KIXPNMOI008GSGQ/ScopeofPractice.png Speaking https://images.squarespace-cdn.com/content/v1/5cbfe432b7c92c2cb4f2316b/f5b70dd6-f434-42e1-85a6-7e53c2b0e976/Unknown.jpeg Speaking - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5cbfe432b7c92c2cb4f2316b/14603ba6-7d28-4b8e-839d-9b34e1caa427/DSCF1293.JPG Speaking - White Coat Investor Conference 2025 - KeyNote Speaker SC gave her keynote speech on Understanding the Financial Industry, delving deep into the intricacies of the financial industry and introducing the DIY, Validator, and Collaborator archetypes. Plus, she gave a breakout speech, “Brain vs. Money,” on how the brain tricks us into thinking we don’t have control. Spoiler alert: we do. https://images.squarespace-cdn.com/content/v1/5cbfe432b7c92c2cb4f2316b/3c1f8782-4c78-4859-82a0-5a3eae0fbeb0/thumbnail_image004.jpg Speaking - Bogleheads university, October 2025 SC gave a presentation on Understanding the Financial Industry at Bogleheads 2025, plus she sat on the investing experts panel. https://images.squarespace-cdn.com/content/v1/5cbfe432b7c92c2cb4f2316b/7145749f-72c9-440a-a72c-f81094fae19b/072425_BairEcon_1sv_crop_t1684.jpg Speaking - REAL Econ for all Conference, july 24, 2025 SC sat down with former FDIC Chair Sheila Bair at the REAL Econ for All Conference to discuss financial education and Sheila’s new children’s books. Read more: https://www.nwaonline.com/news/2025/jul/24/former-fdic-chair-urges-arkansas-teachers-to/ https://images.squarespace-cdn.com/content/v1/5cbfe432b7c92c2cb4f2316b/0c129795-c1e8-4eac-a9ca-e90d688ae913/DSC01577.jpg Speaking https://images.squarespace-cdn.com/content/v1/5cbfe432b7c92c2cb4f2316b/1718120221836-9OT9FCTOHHOPTDA6BHTY/econome.jpg Speaking https://www.ladysplainingmoney.com/success daily 0.75 2019-05-12 https://images.squarespace-cdn.com/content/v1/5cbfe432b7c92c2cb4f2316b/1557589842072-YF0GPZSU9KU7KK6U1CHN/Ladysplaining_Logo_Final+%281%29+white.png Success https://images.squarespace-cdn.com/content/v1/5cbfe432b7c92c2cb4f2316b/1557587128874-A4BYTIEIF4KYAG3XDOVV/SC+speaking+1+%281%29.jpg Success https://www.ladysplainingmoney.com/savings daily 0.75 2020-06-23 https://images.squarespace-cdn.com/content/v1/5cbfe432b7c92c2cb4f2316b/1557589842072-YF0GPZSU9KU7KK6U1CHN/Ladysplaining_Logo_Final+%281%29+white.png Savings https://images.squarespace-cdn.com/content/v1/5cbfe432b7c92c2cb4f2316b/1557591946117-2S41S1TE4ETBEHVD0IO2/SCone.jpg Savings - Sarah Catherine Guiterrez Sarah Catherine Gutierrez is a speaker, writer and owner of a financial planning company, called Aptus Financial. She is passionate about demystifying the financial world to women so that they can focus on the most important thing we need to do: save money for our future selves. There is no one better equipped to explain the financial world than someone who came from analyzing investments, and she has chosen to bring women to the world of finance through humor, honesty, plain English, and at most of her hosted events, with a fair amount of wine and chocolate. She lives a beautifully simple life in Little Rock, Arkansas with her husband, Jorge, and their three kids, Marco, Max and Lucia. She hopes to one day have a dog (but hasn’t convinced her husband of that yet.) SC and Jorge own a salsa dance venue in the heart of the Rivermarket district in downtown, Little Rock, where they share their passion for dancing. It is at that venue that SC educates women on money and helps them make daring commitments to save for the future. https://images.squarespace-cdn.com/content/v1/5cbfe432b7c92c2cb4f2316b/1557587128874-A4BYTIEIF4KYAG3XDOVV/SC+speaking+1+%281%29.jpg Savings https://images.squarespace-cdn.com/content/v1/5cbfe432b7c92c2cb4f2316b/1557603474625-5P83C79HIVD86D5P4B2U/gray+background+small.jpg Savings https://www.ladysplainingmoney.com/wall-street daily 0.75 2019-05-08 https://www.ladysplainingmoney.com/blog daily 0.75 2025-06-18 https://images.squarespace-cdn.com/content/v1/5cbfe432b7c92c2cb4f2316b/1594301127731-PUPQZMQBE16NP9PX398O/tyler-nix-FVWL3I5Y3HQ-unsplash.jpg Blog https://www.ladysplainingmoney.com/physician-education-1 daily 0.75 2025-06-18 https://images.squarespace-cdn.com/content/v1/5cbfe432b7c92c2cb4f2316b/1727881377638-VEFCZ8W96HJMLSQJB89C/CS.png Physician Education https://images.squarespace-cdn.com/content/v1/5cbfe432b7c92c2cb4f2316b/1727881425208-EHWET94NU4V1DD130UTE/UAMS.png Physician Education https://images.squarespace-cdn.com/content/v1/5cbfe432b7c92c2cb4f2316b/1727881477785-Z54WT6AGOSQBYYY897CJ/KaiserP.png Physician Education https://images.squarespace-cdn.com/content/v1/5cbfe432b7c92c2cb4f2316b/1727881521296-6WLNT93OH1DMSLRG2WPN/Baptist+Health.png Physician Education https://images.squarespace-cdn.com/content/v1/5cbfe432b7c92c2cb4f2316b/1727881562524-GDYMTK4LK3MLFMWGT3QF/Wash.png Physician Education https://images.squarespace-cdn.com/content/v1/5cbfe432b7c92c2cb4f2316b/1727881601320-YNFQ3GNJJP391VT8M830/wake+forest.png Physician Education https://images.squarespace-cdn.com/content/v1/5cbfe432b7c92c2cb4f2316b/1728412244687-QC45OV24EKU0GGZZND89/CHIStV.png Physician Education https://images.squarespace-cdn.com/content/v1/5cbfe432b7c92c2cb4f2316b/1728412302084-QRSSVHUSYIWX7KXLYZJV/ST_BERNARDS_MC_LOGO.png Physician Education https://images.squarespace-cdn.com/content/v1/5cbfe432b7c92c2cb4f2316b/1728412572850-MFAX33KETCYSYKY6YCSU/econome.jpeg Physician Education https://images.squarespace-cdn.com/content/v1/5cbfe432b7c92c2cb4f2316b/1728412839047-XI0XE3ILEEVPVKMW3T7J/CON25-Meet_Speaker_Ad_250x250_FNL.jpg Physician Education https://images.squarespace-cdn.com/content/v1/5cbfe432b7c92c2cb4f2316b/1763760948059-TFVNP7A1R1L7C5RC0J3Z/S24127+SJL+Web+Graphics_1300x300+Webpage+Header.jpg Physician Education https://images.squarespace-cdn.com/content/v1/5cbfe432b7c92c2cb4f2316b/1767982450158-75R0V4HMUOKD8KF6YLXI/Bogleheads+logo.png Physician Education https://images.squarespace-cdn.com/content/v1/5cbfe432b7c92c2cb4f2316b/1728588292528-LRIQ3WR9D954S4JETCBU/DSC08726.JPG Physician Education https://www.ladysplainingmoney.com/i-commit daily 0.75 2019-05-11 https://www.ladysplainingmoney.com/recent-posts-wall-street daily 0.75 2020-06-23 https://www.ladysplainingmoney.com/about-wall-street daily 0.75 2019-05-11 https://images.squarespace-cdn.com/content/v1/5cbfe432b7c92c2cb4f2316b/1557592292905-LKLORBUBGR0HEYEPY5O8/SCone.jpg About - Sarah Catherine Guiterrez Sarah Catherine Gutierrez is a speaker, writer and owner of a financial planning company, called Aptus Financial. She is passionate about demystifying the financial world to women so that they can focus on the most important thing we need to do: save money for our future selves. There is no one better equipped to explain the financial world than someone who came from analyzing investments, and she has chosen to bring women to the world of finance through humor, honesty, plain English, and at most of her hosted events, with a fair amount of wine and chocolate. She lives a beautifully simple life in Little Rock, Arkansas with her husband, Jorge, and their three kids, Marco, Max and Lucia. She hopes to one day have a dog (but hasn’t convinced her husband of that yet.) SC and Jorge own a salsa dance venue in the heart of the Rivermarket district in downtown, Little Rock, where they share their passion for dancing. It is at that venue that SC educates women on money and helps them make daring commitments to save for the future. https://www.ladysplainingmoney.com/welcome-wall-street daily 0.75 2019-05-11 https://images.squarespace-cdn.com/content/v1/5cbfe432b7c92c2cb4f2316b/1557589842072-YF0GPZSU9KU7KK6U1CHN/Ladysplaining_Logo_Final+%281%29+white.png Welcome https://images.squarespace-cdn.com/content/v1/5cbfe432b7c92c2cb4f2316b/1557587128874-A4BYTIEIF4KYAG3XDOVV/SC+speaking+1+%281%29.jpg Welcome https://www.ladysplainingmoney.com/i-commit-wall-street daily 0.75 2019-05-12 https://images.squarespace-cdn.com/content/v1/5cbfe432b7c92c2cb4f2316b/1557603474625-5P83C79HIVD86D5P4B2U/gray+background+small.jpg I commit https://www.ladysplainingmoney.com/ladysplaining-podcasts daily 0.75 2020-06-24