The pre-webinar sequence

Hey {FIRST NAME},

You're in. Your seat is saved for the Build to $1M+ Live Investing Class on Tuesday at 7pm ET.

Two quick things so you actually make it there.

First, reply to this email with the word "yes". It tells your inbox I'm a real person you want to hear from, so your class link doesn't get buried in promotions next to a shoe sale.

Second, pop it in your calendar right now while you're thinking about it: [CALENDAR LINK]

On Tuesday I'm going to show you how busy women are building $1M+ portfolios the lazy way, without picking stocks, timing the market or paying an advisor 1% a year. It's about 90 minutes, then I'll stay for your questions.

No need to dress up. Pull up in your pjs with your drink of choice, it's a judgment-free zone.

See you Tuesday,

Hey {FIRST NAME},

Like I promised, I made you something for Tuesday.

It's the Build to $1M+ Workbook, and it's what turns this class from "huh, that was interesting" into an actual plan with your own numbers written on it.

We fill it in together, live. You'll leave with your plan on paper instead of a page of notes you never look at again.

It lives in our WhatsApp group, Lazy Investors Live. Tap here to join and you'll find it pinned at the top: [WHATSAPP LINK]

I'll also drop the class link in the group on Tuesday, so if email ever eats one of my reminders, you're still covered.

Hey {FIRST NAME},

I call it the lazy way, and I mean that as a compliment.

When most women hear "investing" they picture some guy with six monitors yelling about a stock that's about to go to the moon. Charts everywhere, jargon everywhere, and the feeling that one wrong click loses you everything.

That's not what we're doing.

The Lazy Investor's Method comes down to a few simple ideas:

• You buy the whole market through low-cost index funds, instead of trying to guess which company wins.
• You put money in every month on a schedule, whether the news is good or scary. (The fancy name is dollar-cost averaging. It's a very boring habit.)
• You automate it, so it happens whether you remember or not.

You don't watch it every day and you don't try to time anything. The boring part is honestly what makes it work.

On Tuesday I'll show you the exact index-fund mix I mean, plus the 15-minute automation that runs it while you live your life.

Here's your class link, keep it somewhere safe: [CLASS LINK]

Hey {FIRST NAME},

Quick bit of math, because it completely changed how I think about money.

If you invest $820 a month and your money earns an average of 7% a year, you'd have about $1,000,000 after 30 years.

(7% is the example rate I'm using here, not a promise. Markets go up and down along the way.)

And this is the part that blows people's minds. Over those 30 years you'd only put in about $295,000 of your own money. The other $700,000 or so is growth on top of growth, which is compounding doing the heavy lifting for you.

Maybe you're thinking "Clo, I don't have 30 years" or "I don't have $820 a month".

Totally fair, and that's exactly why the first thing we do on Tuesday is find your $1M number. It's the 2-minute math that tells you exactly how much to invest each month, even if you're starting late.

Your number might be higher than mine or it might be lower. Either way, you'll finally stop guessing.

Tuesday, 7pm ET: [CLASS LINK]

Hey {FIRST NAME},

I wasn't always the money girl.

For a long time I was a hot mess with money. I was $70K in debt, I had panic attacks over rent, and I stayed in relationships I honestly couldn't afford to leave, which isn't a fun sentence to type.

Everyone gave me the same advice. Cut back, skip the lattes, make a budget and stick to it.

So I tried. I cut back so hard it felt like a punishment, and I still wasn't getting anywhere.

What finally changed things wasn't a stricter budget. I started learning how money actually grows, and I started building forward instead of only cutting back.

I paid off the debt. Then I started investing the lazy way, with index funds and automation, and today I'm debt-free with a $500K+ net worth.

I'm not some finance genius. Somebody finally taught me the stuff nobody teaches us, and that's why I teach this class. I've now taught over 14,000 students.

On Tuesday I'll show you the steps I used, minus the years of trial and error: [CLASS LINK]

Hey {FIRST NAME},

The number one thing women tell me before class is some version of "I don't have enough money to start investing."

I get it. When you're juggling rent, groceries, maybe a car payment or some card debt, investing feels like something for people who already have money.

Starting takes a lot less than you think.

You don't need a big lump sum. You can start with whatever fits your life right now and grow it as your income grows.

You don't need hours every week either. Once it's set up, the automation takes about 15 minutes and then it runs without you.

And you definitely don't need to understand every chart on the internet. You need the right accounts, a simple mix of index funds and a plan you'll actually stick to.

What it does take is starting, because every month you wait is a month your money isn't compounding.

One of my students, Mel, started at 39 as a single mom. Her net worth went up $32,000 in 6 months.

So no, you're not too late and you're not too broke. You just haven't been shown the steps yet.

Tuesday, 7pm ET: [CLASS LINK]

Hey {FIRST NAME},

I want you to meet one of my students, Christine.

Christine is a single mom, and when she started she was carrying $44k of debt.

She paid off all of it. Today her net worth is $584k and she's on track for $3M.

I know how stories like this can land. It's easy to read that and think "good for her, but she must have had some advantage I don't have."

She didn't pick stocks or try to time the market. She did the same lazy things I'm teaching on Tuesday: she found her number, got the right accounts in the right order and automated a simple index-fund portfolio. Then she stayed consistent.

You'll hear from more women like her on Tuesday.

If it's not in your calendar yet, do it now so Tuesday doesn't sneak up on you: [CALENDAR LINK]

Hey {FIRST NAME},

Can I say something that might annoy you a little?

Most of the money advice you've been given was never designed to make you wealthy.

Skip the latte, cancel Netflix, pack your lunch, track every single dollar in a spreadsheet you'll abandon by March. Sound familiar?

Cutting back can stop the bleeding, sure. But there's only so much you can cut, and you can't cut your way to a million dollars.

So you do everything "right", you feel guilty every time you buy something nice, and your bank account still makes you want to lie down on the floor.

And then you decide the problem is you.

It isn't. You're not bad with money. You've just been told to cut back, not build forward.

Building forward means your money goes to work for you every month, in the right accounts, on autopilot. That's what Tuesday is all about.

No shame and no lectures about your coffee order, I promise: [CLASS LINK]

Hey {FIRST NAME},

Pop quiz. If your job offers a 401(k) match, are you getting all of it?

A lot of the women I talk to aren't, and they don't even know it.

Here's how a match usually works. You put part of your paycheck into your 401(k) and your employer adds extra money on top, up to a limit. If they match 50 cents on the dollar, every $100 you put in gets another $50 from them.

That's a 50% return before your money has even been invested. No index fund on earth reliably does that, which is why the match is usually the first stop.

And it's exactly what the second part of Tuesday's class is about: opening the right accounts, in the right order. From your 401(k) match to a Roth IRA and HSA, so every dollar gets the tax break it should.

The order matters more than people think. Put money in the wrong place first and you can leave tax breaks on the table without ever noticing.

No 401(k) at your job? You've still got options, and we'll go through them.

Tuesday, 7pm ET: [CLASS LINK]

Hey {FIRST NAME},

Here's a sneak peek at what we're covering on Tuesday.

1. 01
   Find your $1M numberThe 2-minute math that tells you exactly how much to invest each month, even if you're starting late.
2. 02
   Open the right accounts, in the right orderFrom your 401(k) match to a Roth IRA and HSA, so every dollar gets the tax break it should.
3. 03
   Build the lazy portfolioThe simple index-fund mix and the 15-minute automation that runs it while you live your life.

And if you stay with me until the end, I've got a second gift for you. It's my Compounding Wealth Calculator, where you plug in your numbers and see your own path to $1M+. I give it out at the end of the live class.

Bring your workbook from the WhatsApp group, a pen and your drink of choice.

Here's your link: [CLASS LINK]

Hey {FIRST NAME},

I know what's going through some of your heads right now, because the same questions come up before every class. Let me answer the big ones.

"What if the market crashes right after I start?"

It'll dip at some point, that's what markets do, and the lazy way is built for it. When you invest a little every month, the down months mean your money buys more for the same price. You're not trying to time anything, so a dip just means you're buying on sale for a while.

"I'm in my 40s. Isn't it too late?"

Nope. One of my students, Tracey, started in her 50s and she's on track to retire a millionaire. Starting later usually means your monthly number is a bit higher, and figuring out that number is the very first thing we do.

"I don't understand any of this. Will I be lost?"

Not even a little. This class is made for women who've never invested a dollar. Zero investment-bro jargon, and if I use a fancy word I'll explain it like we're sitting on the couch together.

"Do I really need to be there live?"

If you can, yes. Live, you can ask me your questions in the chat, fill in the workbook with me as we go, and you'll get the calculator at the end.

Tuesday, 7pm ET: [CLASS LINK]

Hey {FIRST NAME},

People ask me all the time why I give this class away for free.

When I first started teaching money, I ran a little workshop called "I Can't Budget". In my first month I took on 60 one-on-one clients.

Sixty women, each on a two-hour call with me. I loved them, and I burned out fast.

So I figured I could help way more people if I taught everything once, really well, to a big room. That's what this class is, and over 250,000 people have joined it so far.

Bankrate even named me "Best overall personal finance influencer", which is still wild to me, considering I used to be the hot mess with money.

So yes, it's free. It's live, and you'll leave with a real plan whether you ever spend a dollar with me or not.

See you Tuesday at 7pm ET: [CLASS LINK]

Hey {FIRST NAME},

One of my students, Cassie, was paying a financial advisor to manage her money.

A lot of people don't realize that many advisors charge around 1% of your portfolio every year. It sounds tiny, but it comes out whether your investments had a good year or a bad one, and it comes out of the money that's supposed to be compounding for you.

Over a few decades, that 1% can eat a six-figure chunk of your future.

Cassie learned the lazy way and fired her advisor. Her net worth went up $140,000 in the 18 months after.

Some advisors are worth what they charge. But you should know exactly what you're paying, and how simple doing it yourself can be.

That's the third part of tomorrow's class: build the lazy portfolio. The simple index-fund mix and the 15-minute automation that runs it while you live your life.

Tomorrow, 7pm ET: [CLASS LINK]

Hey {FIRST NAME},

Tomorrow's the day. Here's a quick prep list so you get the most out of it.

1. Your workbook. It's pinned in the Lazy Investors Live WhatsApp group. Print it or have it open on a second screen.
2. Your rough numbers. What you take home each month, what you've already saved or invested (even if it's $0) and any debt. Ballpark is fine, nobody's grading you.
3. 90 minutes for you. Tell the kids, the partner and the dog. This one's yours.

If you haven't joined the group yet, tap here: [WHATSAPP LINK]

Hey {FIRST NAME},

I already know what some of you woke up thinking. "Do I really have time for this tonight?"

You've probably spent way more than 90 minutes this year worrying about money. Tonight those 90 minutes go toward actually doing something about it.

We start at 7pm ET. Save this link somewhere you'll find it: [CLASS LINK]

Workbook printed, drink of choice poured, pjs on. It's going to be a party.

Hey {FIRST NAME},

We go live in one hour.

If you haven't printed your workbook yet, it's pinned in the WhatsApp group. If you have, go pour your drink.

Your link: [CLASS LINK]

See you soon,

Hey {FIRST NAME},

The room is open. Come on in and tell me in the chat where you're watching from, and what's in your glass.

[CLASS LINK]

Hey {FIRST NAME},

We're live right now. Let's goooo.

We're about to find your $1M number, so grab your workbook and come on in: [CLASS LINK]

Hey {FIRST NAME},

If life got in the way tonight, no stress at all. You've missed the hellos and my story, and we're just getting into the math on your $1M number now.

Hop in, there's still plenty of time, and the calculator goes out at the end: [CLASS LINK]