Need Advice on How to Grow Your Business?

by Galia Gichon on March 19, 2018

Together, We Can Find Solutions To What’s Holding You Back. 

As you may know, I’ve been working with clients and their finances for more than 20 years as an Independent Personal Finance Expert through Down-to-Earth Finance and working with Entrepreneurs (Women-led) on their businesses.  The last year, I’ve been leading an amazing Accelerator program for Women business owners, designed by Her Corner.

I’m happy to announce that our next Her Corner Accelerator Program is starting on May 11th in NYC. Learn more about this amazing program through a live call on March 22nd at 10:30 EST. Register now to hold your space! 

The common issues we’ve seen with our clients is that they tend to work alone and need help along the way – with both their personal finances and growing their business. When they receive independent and personal support, they’re able to succeed much easier and faster.  Here are some examples:

1) One of our clients, who was about 10-15 years away from retirement, had savings accounts managed by multiple companies. By consolidating them into one company and picking new index funds, we were able to accurately project how much she needed to save going forward in order to retire on schedule.

2) A Her Corner Member was sharing her frustrations with us about a hard time she was having with a difficult customer.  She didn’t want to lose the business but had altered her pricing and standard service procedures.  After working with the Accelerator Program, she clearly saw that the way forward involved returning to her company’s core values. Read the Full Story here.

3) A client of ours recently saved over $6,000 in three months by allowing us to recreate her budget. By putting her on a structured spending plan coupled with reducing fixed expenses (including analyzing her paycheck), she was able to realize substantial savings!

4) A Her Corner member recently added more than $6,000 in monthly revenue just by working with us! We focused on adjusting her rates and helping her find the time to implement her new marketing plan.

To learn more about the Her Corner Accelerator Group I’m leading in NYC or to receive a personal finance checkup, please email me at


Easy Ways to Organize Your Money

by Galia Gichon on November 12, 2017

I’ve been giving many seminars the last few months at colleges, artist organizations and for entrepreneurs. For more information, click here.
Let’s face it we all have an old 401k lingering, IRAs at multiples firms. What surprised me recently when I was teaching my course at Barnard College Athena Center for Leadership “Keeping Your $20’s In Your 20’s”  someone asked what should she do about her 401k since she’ll be changing jobs every few years. She hasn’t even started working yet! But that is today’s reality- we switch jobs often or are Entrepreneurs or Freelancers working for ourselves.  I also have worked with so many entrepreneurs and freelancers over the last fifteen years and the one theme is they have multiple IRAs at various firms.  Plus a pension or bank account they forgot about.  Here are some easy ways to get organized – which helps you make more money!
Before I tell you what to do, think about why you should get more organized.
1. Seeing all your old retirement accounts in one place helps you realize you have more money saved than you thought.
2. You save money by consolidating accounts and examining fees
3. Motivates you to be more proactive and save more for your IRA
4. Chances are you have duplicate mutual funds or are not properly diversified.  Let’s remedy that!
1. Gather all your statements. This is the HARDEST PART!
2. Consider transfering them to a no-load low expense ratio firm such as Fidelity, Schwab or Vanguard
3. Pick either a target date retirement date mutual fund or 4 mutual funds from the main groups (i.e. Large Cap, Small Cap, International and Bond)
4. You will be surprised how much you have saved and motivate to save more!


Do Your Personal and Business Finances Mix?

May 3, 2017

Many of you reading this newsletter are Entrepreneurs, Freelancers or Business Owners.  I’m giving a seminar “Develop a Winning Pitch Deck” on June 15th in NYC.  Even if you aren’t ready to raise money, it’s a great opportunity to articulate the key concepts of your startup in just one day.
When I first started working with clients years […]

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Secrets of Successful Entrepreneurs

November 29, 2016

It’s been a busy – yet wonderful fall! The last few months I’ve been intensively involved with UberPitch, for Women-led tech companies partnered with Refinery CT, Uber, Kauffman Foundation and even NPR. I spoke at TechWeek in Kansas City and also started my 10th (!) year teaching Personal Finance at Barnard College.  I’m also super […]

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Time to Talk About Money

August 30, 2016

I haven’t posted an article in a long time but I’ve been busy.  I’ve been giving Personal Finance seminars and workshops (Barnard College, Athena Center for Leadership, Lark Theatre, Playwrights of NY) and have been working with female founded start ups.  After so many of you asked about my next article, I decided it was time […]

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Personal Finance for Freelancers and Artists

May 18, 2015

Personal Finance for Artists & Freelancers. 3 Day Video Course
Produced by Creative Live, Written and Taught by GALIA GICHON
Surviving and thriving as a freelancer or working artist requires strong financial management skills, but getting there can seem stressful and overwhelming. Join financial expert and MBA holder Galia Gichon for a course you can’t miss!  It’s […]

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Lessons From Young Women and Money Conference

February 11, 2014

In December, I was thrilled to speak at the YWCA Berkley  “Young Women and Money” conference in Oakland, CA. This was the same trip when I filmed my Creative Live course “Personal Finance for Artists and Freelancers.” 
Valerie Coleman Morris  was the other keynote speaker. Many of our talking points were similar which affirms the importance of our […]

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Financial Literacy Expert for College Students

February 11, 2014

Even though today’s post is around college students, I found the message loud and clear for all my clients.  In fact, the message is: You are where you are today and then move forward.  If you need a push, you can still check out my Creative Live course “Personal Finance for Artists and Freelancers”.  I keep […]

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