You can get richer over time by investing less, earlier.

In this episode of The SMARTA Podcast, bestselling author Sonia Marta sits down with Julia Cancro, finance expert and author of More Than Cash, to reveal practical money tips that actually work.

If you’ve ever Googled “how to invest for beginners” or “how to retire early,” this conversation is packed with simple strategies you can apply today.

In today’s episode, discover how to build wealth without a massive paycheck and why starting small right now can completely change your financial future. Julia shares the simple, realistic money habits that helped her and her friends invest smarter, stress less, and gain more freedom.

Money doesn’t have to be complicated. It can be empowering, freeing, and even exciting. Julia’s down-to-earth advice will help you ditch the overwhelm, start investing with confidence, and make your future self proud.

What we’ll cover:

• The truth behind “save less, retire rich”

• Why your habits matter more than your income

• How to start investing even if you’re intimidated

• The one money story that will change how you think about time and compounding

• How to ignore social media’s “keep up” trap and focus on your goals

• The easiest ways to automate your wealth-building strategy

To see more of Julia’s work, follow her on LinkedIn https://www.linkedin.com/in/julia-cancro-b98a2275/ and check out her book More Than Cash. https://www.amazon.com/More-Than-Cash-finally-making-ebook/dp/B0BSND3DRX

As a finance writer and former Fortune 500 professional, Julia Cancro is on a mission to make financial literacy simple and accessible. She combines real-world investing experience with relatable stories, showing people how to start small, think long-term, and create a financial life they love without a finance degree or endless spreadsheets.

Connect with Sonia:

Find out more about Sonia: www.soniamarta.com

Follow Sonia’s journey on Instagram: @soniamartaauthor | Linktree

Subscribe for more weekly episodes that fuel growth, clarity, and leadership from the inside out.

New episodes every Monday at 11 AM EST

Watch the full episode on YouTube: The SMARTA Podcast