“Most people listening need to understand that the government is not coming to save us. There is not going to be a huge pension when we retire. What you have is what you will have.”With interest rates on the rise, and the cost of living higher than ever, all of us are feeling the strain of financial stress… To help us get money smart and enhance our financial wellbeing, we’re joined by Vivi Friedgut, the Founder of Blackbullion - a financial wellbeing platform that equips young people with financial skills for life and improves access to funds.Blackbullion is currently available to over 1 million students at almost 50 partner universities and colleges across the UK, Ireland, Australia, New Zealand and South Africa. The platform includes resources covering spending habits, loan calculators and shines a light on schemes, such as buy now pay later.At a time where the world has never needed to be more money smart, Vivi brings her infectious energy to this week's episode, where we dive into:➡️ Being raised financially savvy and the idea behind Blackbullion [03:46] ➡️ What to expect from the Blackbullion platform [07:40]  ➡️ Navigating a slow sector in a fast moving world [13:23] ➡️ The relentless early days as a Founder [16:03] ➡️ The hurdles and advantages of female Founders [22:48] ➡️ Making your money work for you & other actions to take [25:14] ➡️ Financial wellbeing advice for students [27:01] ➡️ Closing the financial literacy gap [29:05]➡️ Simple but effective money tips to utilise right now [36:22] ➡️ Running a 11-month fundraise and dealing with 78 rejections [37:52]  ⛳ Helpful links:➡️ More about Vivi: https://www.linkedin.com/in/vivifriedgut/➡️ Check out Blackbullion: https://www.blackbullion.com/ 🏆 Want to partner with us? Do you want to get your brand in front of leading Startup Founders, Investors and C-Suite decision-makers, and attract some of the sharpest talent in the Startup/Scaleup scene? Get in touch with our Head of Marketing and Producer, Hannah to find out more about how we can co-produce content that will help you stand out and engage with over 40,000 loyal monthly listeners. You can reach her on hannah@jbmc.co.uk ⭐Enjoyed this episode?⭐️Keep up to date with all our latest episodes, by hitting the subscribe button on your favourite podcast platform. And for any feedback on what you enjoy the most and ideas on what we can do to make 40 Minute Mentor even better, please leave us a review on https://ratethispodcast.com/40mm Learn more about your ad choices. Visit megaphone.fm/adchoices