In this episode of Women of Wealth, we take on one of the biggest financial pressures facing business owners today: rising healthcare costs - and what can actually be done about them. Healthcare premiums are climbing faster than wages. Deductibles are higher than ever. Employees are frustrated by surprise bills. Employers feel stuck in a system that increases in cost year after year with little transparency or control.

Inspired by The Great American Healthcare Heist, we unpack what’s really happening inside the healthcare system - from surprise billing and prescription pricing practices to profit-driven insurance models and the growing disconnect between patient care and corporate incentives. But this episode isn’t just about the problem. It’s about solutions!

We introduce WellthCare - a patent-pending model designed to work alongside existing health plans to reduce utilization, lower claims, and reward preventative care. Instead of waiting for illness to become expensive, WellthCare incentivizes proactive health engagement.

Employees gain access to:
• $0 copays for urgent care, primary care, virtual care, and mental health counseling
• Free lab work
• Zero-cost prescriptions through an owned pharmacy network
• Medical bill reduction tools that lower expenses by an average of 70%
• $1,100+ annually deposited into a SEP IRA
• $1,300–$2,800 per year in wellness-based store rewards
All with no disruption to the employer’s existing health plan and no out-of-pocket cost to the employer or employee.

Designed for businesses with 10+ W2 employees paying into FICA, this model leverages existing tax credits that reward preventative care and retirement contributions - aligning health and wealth in one strategic benefit structure.

If you’re a business owner looking to reduce long-term healthcare increases, improve employee retention, and strengthen retirement outcomes, this conversation is for you. To learn more or explore whether WellthCare could benefit your company email us!

Hawley Woods Gray
📧 hawley@womenofwealth.vip

Allie Ramo
📧 allie@womenofwealth.vip

OR visit https://www.wellthcare.com

For more awesome episodes visit our podcast website at WomenOfWealth@transistor.fm

Got a burning question or a topic you're itching to hear about? Slide into our DMs on Instagram at @Wowwomenofwealth. Now, let's turn those pennies into power moves!

In this episode of Women of Wealth, we sit down with Dr. Nelva Lee, founder and CEO of Concrete Build Financing, serial entrepreneur, author, healthcare and education leader, and public servant. This powerful conversation explores what it truly means to build wealth beyond money - wealth rooted in leadership, service, faith, and legacy.

Dr. Lee shares her remarkable journey from healthcare administration and vocational education to pioneering private-sector solutions for affordable housing. She unpacks how early leadership awareness shaped her career, why recognizing and honing your God-given talents matters, and how defining wealth through purpose - not just profit - creates lasting impact for families and communities. The discussion also dives deep into education reform, school choice, vocational training, and the critical role parents play in shaping long-term outcomes for children. Drawing from her own experience as a mother, educator, and current candidate for Georgia Superintendent of Schools, Dr. Lee makes a compelling case for empowering families with choice, access, and practical pathways to success.

Faith is a central thread throughout the episode, as Dr. Lee shares how it serves as her anchor amid leadership, entrepreneurship, and public scrutiny. She also offers candid advice for women who feel called to start a business - especially mothers balancing family, risk, and vision - reminding listeners that entrepreneurship can be a tool for freedom, flexibility, and generational legacy.

The episode closes with an inspiring look at Concrete Building Financing, a for-profit, mission - driven housing model leveraging real estate and blockchain innovation to address affordability and ownership - proof that capitalism and compassion are not mutually exclusive.

✨ What You’ll Learn in This Episode:

• Why wealth is about meaning, service, and legacy - not just income
• How early leadership awareness can shape lifelong success
• The connection between education access, healthcare, and generational wealth
• Why school choice and vocational training are critical for future readiness
• How faith can anchor leaders through pressure and public scrutiny
• Why entrepreneurship can create more freedom for families, not less
• How private-sector innovation can solve public challenges like housing affordability

🔗 Connect with Dr. Nelva Lee:

• Website: https://www.drnelvalee.com
• Housing Initiative: https://www.concretebuild.org

For more awesome episodes visit our podcast website at WomenOfWealth@transistor.fm

Got a burning question or a topic you're itching to hear about? Slide into our DMs on Instagram at @Wowwomenofwealth. Now, let's turn those pennies into power moves!

In this episode of Women of Wealth, hosts Hawley Woods Gray and Allie Ramo take a fresh, modern approach to financial education by doing something a little different - they use ChatGPT (AI) as a tool to ask and explore the most common money questions women are already searching online. From budgeting and saving to debt, credit scores, emergency funds, and housing decisions, Hawley and Allie break down ChatGPT’s answers and layer in real-life experience, professional insight, and practical context - because financial clarity doesn’t come from information alone, it comes from understanding how to apply it.

This episode is all about foundational money basics - the building blocks that make investing, retirement planning, and long-term financial freedom feel less intimidating and far more achievable.

What You’ll Learn in This Episode:

• How to budget and actually stick to it - even with inconsistent income
• Why budgeting looks different for entrepreneurs and commission-based earners
• The “pay yourself first” principle and why it matters
• How to save money when everything feels expensive
• Why saving is a system, not a willpower problem
• How much you should really have in an emergency fund - and what it’s for
• Practical strategies for getting out of debt (snowball vs. avalanche)
• Whether you should focus on paying off debt or investing first
• What truly impacts your credit score - and what doesn’t
• How to think strategically about renting vs. buying a home
• Why renting isn’t failure - and homeownership isn’t always wealth-building
• The importance of mindset in every financial decision

Key Takeaways:

• Financial confidence starts with asking better questions
• Money basics create clarity across every stage of wealth building
• ChatGPT can be a helpful starting point - but real wisdom comes from context
• There’s no one-size-fits-all approach to budgeting, saving, or debt
• You’re not alone - conversation and education reduce fear around money

Resources & Mentions:

• ChatGPT as a financial education tool
• Prior Women of Wealth episodes on debt and financial strategy
• Encouragement to seek guidance from trusted professionals and experienced peers

Join the Conversation

Have a money question you want us to cover in a future episode?

📩 Message us on Instagram @wowwomenofwealth
⭐ Leave us a review on your favorite podcast platform
🎧 Listen wherever you stream podcasts
📺 Watch the full episode on YouTube

For more awesome episodes visit our podcast website at WomenOfWealth@transistor.fm

Got a burning question or a topic you're itching to hear about? Slide into our DMs on Instagram at @Wowwomenofwealth. Now, let's turn those pennies into power moves!