Investing isn’t only for people with millions of dollars nor is it only for bankers and finance heads.
— Caroline Sanz, Enterprise Consultant of The Difference Incubator

Hi, I'm Caroline,  I have a love for blending business with social good and am always seeking ways to find balance in life.

What is your business about?

TDi exists to prove you can do good AND make money. I exist to collaborate with and unleash the potential of the movers, shakers and changemakers seeking to reinvigorate our current system.

Do you have a quick financial tip you'd like to share?

Investing isn't only for people with millions of dollars nor is it only for bankers and finance heads. There is also not one right or wrong way to build your wealth. Do your research, explore your options and don't be afraid to ask for alternatives to traditional ways of building up your wealth. And more importantly do what works with your the flow of your life. I found True Pillars, a place where I can invest small pockets of money but also support the growth of small businesses. I get choice, flexibility and something that aligns with my values and risk appetite.

What would you tell your younger self about money? And why?

Money is a facilitator not an end goal. Also, explore what can be done to make the most of your savings while you're young and have the flexibility! Just doing what mum and dad do isn't always the best way particularly as things are always changing and innovating (sorry mum and dad, love you!)

What are some of your earliest money memories?

Sitting in kindergarten and receiving my Commbank Dollarmites wallet! And then being super excited when it started to get heavy. Also collecting dollar coins my dads truck-driver friends used to give me when they came to pick dad up. They were supposed to be for lollies but I always had greater ambitions for them than that so would save them up!

Please share a story that taught you something about money - what have you learned?

When I started my first micro-business selling earth friendly skincare in my teens, I didn't understand the tax system or how money flowed in business and thought it was an easy way to make money. Turns out it wasn't, and it required a lot of my time and sales-focus to make it happen. I also didn't figure out the tax side of things so in the end it wasn't fruitful at all. I learned that there are many ways to make money but you need to do your research, understand tax implications and acknowledge that your time is also money!

How would you define financial freedom?

Well, freedom is essentially being unconstrained and ironically often one of our biggest constraints is money. To me financial freedom is not necessarily having lots of money but understanding how your finances impact on your life and being confident in making decisions or seeking support regarding your finances so that they enhance your life rather than detract from it.

Tell us anything else you'd like to share about money

I really love thinking about money as a part of my wellbeing. One thing that has stuck with me since I first started chatting to Lea about Wellthy in its early days, was the idea that financial health is an equally important part of our wellbeing, and a tenet alongside physical, mental and spiritual wellness. I have started reflecting on my wealth more and in a much more holistic way. We need to look after our wealth just as we do our health! I have built in little habits and thought more deeply about the role my wealth has in my life and future. Whilst I had a pretty good idea about money and managing finances, the mindful wealth movement has really made me reconsider my relationship with money and connect with it in a more natural and less stressful way.


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