Hot Smart Rich with Maggie Sellers Reum

Valeria Lipovetsky signed a prenup at 21 and navigated an 18-year age-gap marriage. She reveals how she turned her real-life story into content, building a media empire reaching over 150M people each month.

Maggie and Valeria explore how early conversations around marriage, money, and independence shaped the way Valeria built her career - and ultimately led to the creation of Creator Method, her framework for helping creators turn content into sustainable businesses. Valeria breaks down what successful creators do differently to last long-term: using vulnerability with intention, navigating public judgement, and growing with the support of their community. She also reflects on how failure, missteps, and knowing when to pivot played a key role in everything she’s built.

Timestamps:

00:00:00  Intro 

00:01:58 How Valeria Reached 150M+ People a Month

00:02:30 “I Had a Fear of Attention Growing Up”

00:03:34 Growing Up Between Russia & Canada With A Powerful Mum

00:04:52 Modelling Around the World at Just 16

00:06:02 Getting Married at 20: How I Met My Husband

00:07:35 “Your Life Is Your Art” The Mindset That Changed Everything

00:09:35 The Moment $10K Turned My Content Into a Business

00:11:40 I Had No Idea How Talented I Was

00:13:57 How Creators Build a Real Bond With Their Community

00:15:40 It Took Me 7 Years to Call Myself an Entrepreneur

00:16:37 When to Pivot: What the Kardashians Get Right

00:19:09 Why I Wanted to Start My Own Businesses

00:20:17 Why I Celebrate Failure (With Champagne)

00:21:50 What Posting Online Taught Me About Myself

00:22:30 Why I Chose to Go Back to Content Creation

00:23:24 Is There Something Deeper Driving You?

00:26:04 Being Compared to Tony Robbins & Creating The Creator Method

00:30:13 What Actually Makes a Creator Stand Out Today

00:32:22 The Future of the Creator Economy

00:33:38 Beehiiv Ad

00:35:00 My Framework for Starting Over

00:35:21 How to Start When You Have a Business Idea

00:36:13 Maggie’s Biggest Regret

00:36:57 Why Your 20s Aren’t Just About Making Mistakes

00:38:58 Our Marriage Dynamic Today

00:40:07 What Really Happens in an Age-Gap Relationship

00:41:45 “I Want My Husband to Lead”

00:43:17 Power, Decisions & Equality in Our Marriage

00:45:58 Disagreeing in Public & Handling Criticism

00:48:18 The Unspoken Rules That Hold Our Marriage Together

00:49:31 Signing a Prenup at 21: My Experience

00:52:14 How I Feel About Our Prenup 14 Years Later

00:56:05 How We Think About Money as a Couple

00:57:20 Taking Big Financial Risks (Without Being a Finance Expert)

00:58:57 The Last Thing I Put on My Credit Card

00:59:31 More Followers or Higher Engagement?

00:59:42 Instagram, YouTube, or Podcast? Pick One

01:00:10 How Many Photos Are on My Phone?

01:01:45 Canada or the US?

01:01:50 If I Had to Name This Season of My Life…

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Episode Sponsor:

beehiiv - Use code HSR30 at http://www.beehiiv.com/hsr?utm_campaign=hsr-2026-Partnership&utm_medium=podcast&utm_source=hsr&utm_term=2026-02-04&stripe_campaign_code=HSR30

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Follow Valeria Lipovetsky:

Instagram: https://www.instagram.com/valerialipovetsky

Website: https://valeriainc.com/

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Hot Smart Rich: Join 250,000+ angels and subscribe to the Hot Smart Rich newsletter: https://hotsmartrich.com/subscribe

Hot Smart Rich Money Mindset: https://shorturl.at/pJWLc

Merch: https://hotsmartrich.shop/

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Instagram: https://www.instagram.com/hotsmartrich/Tiktok: https://www.tiktok.com/@hotsmartrich

Maggie Sellers Reum:Instagram: https://www.instagram.com/maggiesellersreum/

Tiktok: https://www.tiktok.com/@maggiesellersreum

LinkedIn: https://www.linkedin.com/in/sellersmaggie/

Locker: https://www.wantlocker.com/users/maggiesellers

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Kirsty Godso is the trainer behind Olivia Rodrigo, Hailey Bieber and Kaia Gerber. After 13.5 years inside Nike, she became the face of Vuori through a multi-million-dollar brand partnership. She reveals what celebrities actually do to build their bodies, why most high-intensity workouts fail, how she sets goals for clients, the truth about protein products, common keto mistakes, and the red flags hiding in “healthy” foods - plus her take on Alo, Lululemon and why the athleisure industry keeps rapidly growing.

00:00:00 Intro

00:02:23 Celebrity Trainer: What Wellness Really Means

00:03:08 Why Women Say Wellness & Men Say Fitness

00:03:50 I Never Planned To Train Hailey Bieber & Kaia Gerber

00:04:55 How Nike Discovered Me

00:07:24 Inside The Billion-Dollar Athleisure Wars (Nike vs Alo vs Vuori)

00:08:41 Why Alo Looks Tacky

00:10:16 What's Wrong With Lululemon

00:11:17 How Vuori Grew 44% While Other Brands Stalled

00:13:32 Do Celebrity Deals Really Build Athleisure Brands?

00:17:03 Why 2016 HIIT Culture Broke Women’s Bodies

00:18:29 How Many HIIT Workouts You Should Actually Do

00:20:31 How I Set Goals For Kaia Gerber & Olivia Rodrigo

00:22:22 The Two Workout Mistakes Everyone Makes

00:23:44 Why I Never Set Weight-Loss Goals

00:26:49 The Goal-Setting Lesson That Changed Everything

00:28:46 beehiiv Ad

00:30:07 How Stress & Hyperfixation Ruin Results

00:32:42 Why Exercise Is Back As The #1 Resolution

00:34:35 Kirsty’s Take On The New Body Era

00:35:55 Celebrity Protein Brands — What’s Really Going On?

00:38:06 Protein Label Red Flags (Don’t Buy This)

00:40:18 What I Throw Out Of Clients’ Kitchens

00:43:15 Why Most People Quit Before Results Show

00:45:23 “You’re A 6/10” - The Mindset Shift That Works

00:47:11 Tough Love vs Self-Trust In Motivation

00:50:51 Cozy Earth Ad

00:51:57 Hoffman, Trauma & My Need For Control

00:58:26 Leaving Nike: Realising My Success Was Always Me

01:00:19 The Signs It’s Time To Leave Your Job

01:02:31 The Truth Behind My $2M Vuori Deal

01:04:14 When The Internet Finds Out Your Worth

01:05:49 Why I’m Betting On My Own Businesses Now

01:08:23 Femininity, Fashion & Body Confidence

01:10:56 Dating In LA & “Hot Smart Foreign”

01:14:10 Rapid Fire: Range Rover, Coffee & Cold Plunges

01:16:03 “Burn 2.0” - Naming This Season Of Life

01:16:43 Where To Find Kirsty Godso

01:16:49 What HSR Should Help Her With Next

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Episode Sponsors:

beehiiv - Use code HSR30 at http://www.beehiiv.com/hsr?utm_campaign=hsr-2026-Partnership&utm_medium=podcast&utm_source=hsr&utm_term=2026-01-28

Cozy Earth - http://cozyearth.com with code HSR, or until February 8th you can Buy One Get One Free on pajamas with code: HSRBOGO

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. 50% off your first month of Pyro when signing up for a monthly membership using code HOT50. Users can use this link and it will automatically apply at checkout for them:https://pyro.kirstygodso.com/register?promocode=HOT50&plan=6705c9272ca6753176671a442

. 15% off an order of Made Of Protein with code HSR used at checkout on:https://madeof.life

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Follow Kirsty Godso:Instagram: https://www.instagram.com/kirstygodsoWebsite: https://www.kirstygodso.com/

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Hot Smart Rich: Join 250,000+ angels and subscribe to the Hot Smart Rich newsletter: https://hotsmartrich.com/subscribe

Hot Smart Rich Money Mindset: https://shorturl.at/pJWLc

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Instagram: https://www.instagram.com/hotsmartrich/Tiktok: https://www.tiktok.com/@hotsmartrich

Maggie Sellers Reum:Instagram: https://www.instagram.com/maggiesellersreum/

Tiktok: https://www.tiktok.com/@maggiesellersreum

LinkedIn: https://www.linkedin.com/in/sellersmaggie/

Locker: https://www.wantlocker.com/users/maggiesellers

ShopMy: https://shopmy.us/maggiesellers

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Is Sephora losing its crown? How is Olive Young rewriting beauty retail? And should you really be using AI to plan your menstrual cycle - including when to date?

Creators are turning their knowledge into paid AI advisors. Mel Robbins is building a protein empire. Founders are publicly sharing revenue and fundraises. And GAP hiring a Chief Entertainment Officer may redefine how brands grow in 2026…

In this episode, Maggie and Katie break down their hottest 2026 predictions - so you can spot what’s next before everyone else does.

Maggie & Katie discuss:

. Sephora vs Ulta vs Olive Young and the new beauty status symbol

. Korea’s speed-to-shelf advantage and trend-first retail

. Scheduling your business and dating life around your cycle (and using AI to do it)

. The “everything shower” and why beauty admin is a mental health reset

. Paid AI advisors, AI therapy, and the creator IP problem

. Why “human verified” will beat the blue check

. Founders disclosing revenue, salaries, and fundraises in 2026

. Why being disliked is a badge of honour (and why it works)

. Why VC is dying for consumer brands and family offices are rising

. The brands that will win by entertaining, not selling

. Celebrity “beauty brands” are over: protein is next

Breaking News About Sephora x Olive Young Partnership:

Sephora newsroom - https://newsroom.sephora.com/sephora-and-olive-young-partner-to-bring-the-best-of-korean-beauty-to-sephora-consumers/

Business of Fashion:: https://www.businessoffashion.com/articles/beauty/sephora-olive-young-partnership-2026/

Timestamps

00:00 Intro

01:38 The “Everything Shower” Reset - When Self-Care Becomes Survival

02:35 Why Balance Doesn’t Exist – Scheduling Life Around Your Cycle

04:14 Using AI to Plan Your Cycle, Work and Dating Life

05:14 Would You Pay for AI Therapy? The Tony Robbins AI Debate

07:40 AI Will Replace Therapy - Why We Disagree

09:04 Human-Verified Will Beat the Blue Checkmark

09:37 AI Copycats, Idea Theft and the Future of Originality

11:36 Is Sephora Losing Its Crown?

12:15 Olive Young’s Korean Playbook Changing Beauty Retail

13:53 Why Korean Brands Move Faster Than Sephora
15:53 Trend-First Stores – The Olive Young Advantage
16:42 Why Sephora Isn’t Adapting Fast Enough
18:08 Product-First Consumers Are Rewriting Beauty
18:45 The Coming Shake-Up in the Beauty Industry
19:16 beehiiv Ad Read
20:37 Founders Building in Public
21:37 Why Humans Crave Connection More Than Ever
22:34 Should Founders Share Revenue and Salaries?
24:48 The Hidden Cost of Radical Transparency
26:07 Being Disliked as a Badge of Honor
27:42 You Can’t Find Your Audience Without Criticism
30:48 Cozy Earth Ad Read
31:53 Why Family Offices Are Replacing VCs
36:23 Steven Bartlett’s Groq Investment – Low Effort, High Impact
37:11 Pitching VCs Is a Waste of Time IF…
38:02 Brands Must Entertain, Not Sell - GAP’s Pivot!
40:11 The Two Influencers Every Brand Should Study
41:56 Celebrity Protein Is the New Beauty Boom
43:51 Mel Robbins, Khloe Kardashian and the Protein Gold Rush
47:00 How Should We End Podcast Episodes Better?

Episode Sponsors:

beehiiv - Use code HSR30 at http://www.beehiiv.com/hsr?utm_campaign=hsr-2026-Partnership&utm_medium=podcast&utm_source=hsr&utm_term=2026-01-21

Cozy Earth - http://cozyearth.com with code HSR

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Hot Smart Rich:

Join 250,000+ angels and subscribe to the Hot Smart Rich newsletter: https://hotsmartrich.com/subscribe

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Maggie Sellers Reum:

Instagram: https://www.instagram.com/maggiesellersreum/

Tiktok: https://www.tiktok.com/@maggiesellersreum

LinkedIn: https://www.linkedin.com/in/sellersmaggie/

Locker: https://www.wantlocker.com/users/maggiesellers

ShopMy: https://shopmy.us/maggiesellers

Amazon Storefront: https://www.amazon.com/shop/maggiesellers

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Learn more about your ad choices. Visit megaphone.fm/adchoices

Jaclyn Johnson built her company, Create & Cultivate, from nothing - and later sold it for a $22 million exit! 

But life changed completely when she was diagnosed with breast cancer in 2025. The success she worked for left her burned out, depressed, and forced to start over.

What followed was a total reset. Divorce. Moving cities alone. Hiring a dating coach. Rebuilding her identity at 40…

Today, Jaclyn has successfully bought her original business back, has launched 2 more and continues her work as a longtime angel investor, having backed and championed female founders throughout her career. She reveals how she spots winning startups, why staying bootstrapped was her biggest business mistake, and how money changed the way people treated her.

Jaclyn Discusses: 


Your Body Keeps the Receipts: How her breast cancer diagnosis made her realise health is her real wealth and what she wishes she’d understood earlier.


Reinventing Yourself: How she rebuilt her identity at 40 and how you can do the same when the life you’ve built no longer fits.


Angel Investing Wins: How she approaches angel investing, what she looks for in founders, and why one small check can change everything.

Timestamps

00:00:00  Intro

00:02:57  Why Starting Over At 40 Felt Like A Gamble

00:05:35  Dating Again At 40 “I Was Too In My Masculine”

00:07:29 Lessons From A Dating Coach - From Anxious Attachment To Secure 

00:10:24  I Sold My Company… And My Life Fell Apart

00:13:44 The Strange Sadness After Selling A Business

00:14:53 Can You Build A Huge Business Without Sacrificing Your Life?

00:16:36  Growing Up With Entrepreneur Parents

00:18:47 “You Won’t Build Real Wealth From A 9-5” Jaclyn's Money Rules

00:20:37 The $12,000 Angel Investment That Paid Out Millions

00:22:39 beehiiv Ad 

00:24:01 What The Perfect Employee Actually Looks Like Today

00:27:12 I Sold My Company - Then What?

00:33:45  Why Jaclyn Refused To Be CEO Again

00:35:01 Some People Are Built For Stress - Others Aren’t

00:36:29 Jaclyn’s Biggest Regret - Not Raising Venture Capital

00:38:12 Why Women Must Talk About Money Openly

00:40:45 The Money Rules Jaclyn Lives By

00:44:48 How Men And Women Think About Money Differently

00:46:46 How To Pitch Investors Without Selling A Fantasy

00:48:05 Cozy Earth Ad

00:49:11 Should You Start Angel Investing? Here’s How To Know

00:51:29 How To Spot Winning Startups Early

00:52:45 The Smallest And Biggest Cheques She’s Ever Written

00:53:25 How To Break Into Angel Investing Without Capital

00:56:14 Getting Equity By Advising Instead Of Investing

00:57:10 Jaclyn’s Breast Cancer Diagnosis

01:02:41 How Cancer Changed Her Relationship With Money And Success

01:03:53 When Your Body Forces You To Pay Attention

01:05:28 The Advice She Says Could Save Your Life

01:08:18 How To Stop Falling Back Into Dark Periods

01:09:30 Rapid Fire: Credit Cards, Therapy & First Class Flights

01:12:21 Where To Find Jaclyn Online

Episode Sponsors:

. beehiiv - http://www.beehiiv.com/hsr?utm_campaign=hsr-2026-Partnership&utm_medium=podcast&utm_source=hsr&utm_term=2026-01-14

. Cozy Earth - http://cozyearth.com with code HSR

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Hot Smart Rich: Join 250,000+ angels and subscribe to the Hot Smart Rich newsletter: https://hotsmartrich.com/subscribe Hot Smart Rich Money Mindset: https://shorturl.at/pJWLc Merch: https://hotsmartrich.shop/YouTube: https://shorturl.at/IXXFZInstagram: https://www.instagram.com/hotsmartrich/Tiktok: https://www.tiktok.com/@hotsmartrich

Maggie Sellers Reum:Instagram: https://www.instagram.com/maggiesellersreum/Tiktok: https://www.tiktok.com/@maggiesellersreumLinkedIn: https://www.linkedin.com/in/sellersmaggie/Locker: https://www.wantlocker.com/users/maggiesellersShopMy: https://shopmy.us/maggiesellersAmazon Storefront: https://www.amazon.com/shop/maggiesellers 

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Follow Jaclyn Johnson:

Instagram: https://www.instagram.com/jaclynrjohnson

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Steven Bartlett, the host of The Diary Of A CEO, opens up about something he rarely talks about: his relationship. He’s just announced he is engaged to be married! And his take is simple: independence isn’t the flex we think it is! If you want that dream life, you’re going to need someone to build it with!

We dive into the mental frameworks that have made Steven the success he is today and why his quitting framework is your 2026 super power.

And if you're a creator or an aspiring creator you’re going to want to listen to this! This is the perfect episode for setting your goals and intentions for your most ambitious year yet.

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Timestamps

00:00:00 Intro00:02:26 Why Steven Never Wears Shoes
00:03:46 Handling Pressure: The Lesson Padel Taught Steven00:07:28 Confidence Rituals That Work00:08:40 Steven’s Mental State (Cold + Rational)00:11:03 Why Steven Stays Emotionally Neutral00:12:19 Making Decisions Without Certainty00:14:49 Your Best/Worst Decision Is People (Hiring Truth)00:16:56 The Culture Test Steven Swears By (FlightStory)00:19:43 “Paper Walls”: The Invisible Rules Holding You Back00:26:54 Childhood Failure Creates Adult Confidence00:28:05 People-Pleasing Keeps You Trapped00:30:01 Shopify Ad00:31:23 Maggie’s First Upload (Online Ridicule)00:32:56 Steven’s 3 Rules for Hot Smart Rich00:36:58 Why Thinking About Death Is Liberating00:38:25 How to Find Your Mission (Stack Small Wins)00:44:39 Can Anyone Be a Creator?00:45:28 The 1% Rule That Built a Global Podcast00:49:24 Steven’s Quit Framework00:53:50 Embarrassment Is the Price of Entry (Creators)00:56:01 First Principles: How Steven Thinks01:00:10 How to Build Yourself Into a Top Creator00:58:07 Those 3 Pinned Posts Explained01:01:19 Bilt Ad01:02:23 Cozy Earth Ad01:03:29 Why Those 3 Photos Are Pinned (Meaning)01:04:40 A Voice Note From Mel01:06:32 “Romantic Independence” Is a Mistake01:09:33 Make Dependency Sexy Again (Relationship ROI)01:11:50 What a Successful Relationship Actually Takes01:14:27 Conflict Resolution That Works01:16:00 “I Felt Like the Failure” (Steven’s Childhood)01:17:01 Youngest Sibling Energy: Bend the World01:20:42 The Spider & The Barrier (Breaking Paper Walls)01:23:14 Why Advice Doesn’t Land01:23:55 Not Knowing Early Is a Superpower01:26:08 Rapid Fire: Last Thing You Bought01:26:24 “WAIT… YOU’RE ENGAGED?!”01:26:57 Why Steven Finally Chose Commitment01:28:29 The Engagement Ring Story01:28:58 Describe the Ring (Details)01:30:09 Avoidant Attachment & Changing Your Pattern01:31:53 Modern Dating: Too Many Options, Less Love
01:35:11 Fatherhood: Trusting the Next Chapter01:37:29 How Marriage Changed Maggie01:40:03 Love + Ambition Can Coexist01:42:54 More Rapid Fire01:43:19 Steven’s Favourite DOAC Episode01:44:35 Eggs or Watermelon Forever?01:44:52 Working With a Superfan01:46:24 Steven’s Favourite Podcast01:47:03 What He’d Call This Season of His Life01:47:54 Steven’s Biggest Achievement (Explain Like You’re 10)01:49:16 How Can Hot Smart Rich Help You Right Now

Shopify - http://Shopify.com/HSR

Bilt - http://joinbilt.com/hsr

Cozy Earth - http://cozyearth.com with code HSR

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Hot Smart Rich: Join 250,000+ angels and subscribe to the Hot Smart Rich newsletter: https://hotsmartrich.com/subscribe

Hot Smart Rich Money Mindset: https://shorturl.at/pJWLc

Merch: https://hotsmartrich.shop/

YouTube: https://shorturl.at/IXXFZ

Instagram: https://www.instagram.com/hotsmartrich/

Tiktok: https://www.tiktok.com/@hotsmartrich

Maggie Sellers Reum:

Instagram: https://www.instagram.com/maggiesellersreum/

Tiktok: https://www.tiktok.com/@maggiesellersreum

LinkedIn: https://www.linkedin.com/in/sellersmaggie/

Locker: https://www.wantlocker.com/users/maggiesellers

ShopMy: https://shopmy.us/maggiesellers

Amazon Storefront: https://www.amazon.com/shop/maggiesellers 

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Follow Steven Bartlett:

Instagram: https://www.instagram.com/steven

Diary Of A CEO: https://www.youtube.com/@TheDiaryOfACEO
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