My story

I grew up in a house where we talked about money.

“Pay yourself first,” my dad always said.

Katherine Libonate relaxing on a sofa at home

What my dad taught me

He taught me how money really works.

01Invest consistently, starting young.

He explained the stock market to me and why investing consistently, starting young, is one of the biggest keys to building wealth.

02Know what interest really costs.

He even pulled out an amortization schedule and walked me through how much interest really costs over the life of a loan, and why paying off debt early is so worth it.

03Be willing to walk away.

He taught me to negotiate for the best deal, and to be willing to walk away when the terms weren't right for me.

Most of all, he taught me that money should work for you, and that you should never be afraid to ask for what you deserve.

Those lessons gave me a head start, and I've been building on them ever since.

What I noticed

I didn't realize how unusual that was until much later.

The women I coach, friends I've known for decades, the young women I mentor: so many grew up in homes where money just wasn't discussed. These are brilliant women, leading at work and at home, learning money as they go.

A few have told me they honestly thought it grew on trees.

So many women never had these conversations growing up. I'd love to have them with you.

At work

I invested in my career the same way I invest my money.

At one point in my career, I was working long hours, raising my hand for the hardest projects, and exceeding every expectation set for me. I was doing work well above my title. When I asked about a promotion, I was told to be patient because it wasn't the right time.

I decided not to wait. I studied what the research shows actually works for women, built my case with my results, and asked for the title and the pay.

I got both.

That ask changed how I show up. Since then I've kept growing my career by getting comfortable talking about my successes, knowing my value, and using what works for women to get to yes. It's carried me through twenty years of negotiating multi-million-dollar agreements with some of the largest brands in the world.

$2B+negotiated with some of the largest brands in the world
20+years at the negotiating table
Harvard & Whartontrained in negotiation

At home

At home, I put those lessons to work.

I've saved a percentage of everything I've earned since my first job at 12, babysitting the kids in my neighborhood. I even practiced my negotiation skills to set my rate. When I landed my first real job out of college, I started investing for retirement right away, even when I was broke, and I kept learning about investing from there.

Age 12

Saving a percentage of every babysitting dollar.

First real job

Investing for retirement right away.

A house

Saved for it.

Three kids in daycare

Paid the steep bills.

College

Saving for theirs from day one.

Retirement

Never stopped investing for it, even in the lean years.

Every dollar

Intentional about where it goes.

Some years were hard. Those daycare bills were bigger than our mortgage payment, and there were months I looked at our account and wondered how we'd make it all work. We kept saving anyway, sometimes in very small amounts, and through every one of those seasons I stayed out of debt.

If you're in a season like that right now, I know how heavy it feels. You can still build wealth from the middle of it.
Katherine Libonate smiling at her kitchen table

What built it

Intentional choices, made again and again, built my wealth.

◆Paying myself first, from my very first babysitting job.
◆Investing consistently, even when I was broke.
◆Staying out of debt, through every season.
◆Asking for the pay and titles I'd earned.

Today I'm a multimillionaire, and I share that so you know what's possible.

I haven't gotten every decision right. I've made poor financial decisions over the years, and each one taught me something I now teach other women.

And I enjoy my money. The trips, the experiences, the dinners with friends. Building wealth on purpose is what lets me say yes to the things I love.

It isn't too late.

Maybe you started young.
Maybe you're 45 and just opened your first retirement account.
Maybe you're starting over after a divorce, a layoff, or years of putting everyone else first.

Wherever you are, it isn't too late, and you don't have to figure it out alone.

Why I teach

I want women to be wealthy.

I'm a data girl with a background in behavioral science, trained in negotiation at Harvard and Wharton, and I've coached hundreds of women to ask for what they deserve. Money takes knowledge and behavior change, and I teach both.

I want you to be confident with money, planning for the future you want, and carrying far less money stress. Women with wealth change the world, and I want you to be one of them.

That's why I started Rich & Rising, a community of women building wealth together, sharing what works, and cheering each other on.

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