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GAEA Talks – AI Financial Literacy: Better Lives, Bigger Economy with Allvesta CEO Tamara Kostova

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GAEA Talks - AI Financial Literacy: Better Lives, Bigger Economy with Allvesta CEO Tamara Kostova



Forrester technology and innovation forums (Austin, London, New York). Promo code “GAEATECH” for 10% off. Visit https://forrester.com/events/#tech to book your place.

This week on GAEA Talks, Graeme Scott sits down with Tamara Kostova, founder and CEO of Allvesta, one of the most compelling new voices in wealth technology and a long-standing advocate for global financial literacy.

Tamara’s career started young. She joined Reuters as a teenager, grew up on the trading floors of some of Europe’s largest banks, and spent over a decade in capital markets and wealth management. Somewhere along the way she realised something strange. Despite an MSc in finance and banking and ten years on the trading floor, she had never invested her own capital. Neither, when she asked, had most of her colleagues. That gap between financial expertise and personal financial confidence became the founding insight for her first startup, and for Allvesta, the wealthtech business she launched in early 2026 and is now scaling from London.

Filmed in our new London studio, this is one of the most human and useful conversations on money, behaviour and AI that GAEA Talks has recorded. Tamara’s argument is that the wealth industry has spent decades building products and technology to sell to people, without ever properly understanding the person behind the money. The result is a global financial confidence gap that leaves ten trillion euros sitting idle in European bank deposits, two and a half trillion pounds sitting in UK savings, and only nine percent of UK households receiving any form of financial advice. The bigger scandal, and the line that gives this episode its title, is that women on average do not start actively managing their own finances until they are fifty two, and usually only because of divorce or the death of a partner.

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Tamara’s thesis is that human-centric AI is the only realistic path to closing this gap at scale. She walks Graeme through the OECD’s three pillars of financial literacy, the three behavioural blockers that keep most people out of the markets, the concept of “investor DNA”, and the six-to-nine month journey required to turn a saver into a confident investor. She also lays out why the UK is now in a “perfect storm” moment for retail capital – government agenda, an FCA open to AI, and consumers who already trust AI to help them manage money. Essential listening for any founder, policy maker or financial services leader.

• Why women on average only start managing their finances at 52 – and what has to change
• The OECD’s three pillars of financial literacy: knowledge, behaviour, attitude
• The three behavioural blockers that keep most people out of the markets
• Why the industry has been solving the wrong problem for decades
• The “investor DNA” concept and why personalisation is the missing layer
• Why compounding is Einstein’s “eighth wonder of the world” – and the £5,000 to £500,000 example
• The six-to-nine month journey to turn a saver into a confident investor
• The trillions of pounds and euros sitting idle in European savings accounts
• Why only 9% of UK households receive financial advice
• The Lloyd’s statistic – 50% of Brits are already using ChatGPT for money questions
• The Brazil story – how digital banking access without literacy sent stimulus into gambling
• The perfect storm the UK is now sitting on for retail capital
•Financial health as an extension of the World Health Organization’s definition of health
• Why working mums consume financial content in 30-second morning and evening windows
• Why sovereign AI in finance is really a human-centred design problem

About Tamara Kostova:
Tamara Kostova is the founder and CEO of Allvesta, the wealthtech company applying human-centric AI and behavioural science to close the global financial confidence gap. She holds an MSc in Finance and Banking, spent her early career at Reuters, and worked for over a decade in capital markets and wealth management across some of Europe’s largest banks. She is a repeat founder, a keynote speaker on financial literacy, financial inclusion and behavioural finance, and a long-standing advocate for embedding financial education into schools. She is Bulgarian by background, builds her company in the UK, and works closely with universities and international bodies including the World Health Organization on the intersection of financial and human wellbeing.

Tamara Kostova on LinkedIn: https://uk.linkedin.com/in/tamara-kostova-0818001
Forbes: https://councils.forbes.com/profile/Tamara-Kostova-Founder-CEO-AllVesta-AllVesta/ba8e82fb-d651-4d68-be62-8c661819a0a5
GAEA Talks: https://gaeatalks.ai

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#AI #ArtificialIntelligence #GAEATalks #Wealthtech #FinTech #FinancialLiteracy #WomenInFinance #Allvesta #HumanCentricAI #BehaviouralFinance #FinancialInclusion #AIinFinance #FCA #InvestorDNA #FutureOfFinance #AIPodcast #TechPodcast #GAEAAI #WomenInAI #ResponsibleAI

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All the financial advice you’ll ever need fits on a single index card

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All the financial advice you’ll ever need fits on a single index card



Watch more from Making Sen$e: https://bit.ly/2D8w9kc
Read more economic news: https://www.pbs.org/newshour/economy/making-sense

At first glance, fiscal planning can seem more complex and time-consuming than it’s worth. But according to Professor Harold Pollack of the University of Chicago, you can fit all the financial advice you’ll ever really need on a single index card. Economics correspondent Paul Solman takes a look at Pollack’s ten easy tips for simple and sensible money management.

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Why You’re Broke: 5 Rules to Finally Take Control of Your Money

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Why You’re Broke: 5 Rules to Finally Take Control of Your Money



In this episode, you’re going to learn the 5 rules of money.

Whether you want to build credit, pay off debt, increase your income, or have more money in the bank, this episode is a must-listen.

It will surprise you.
It will move you.
And it will help you live a richer life.

Tiffany Aliche (@Thebudgetnistablog is THE money expert.

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Known as The Budgetnista, she is a New York Times bestselling author who has helped 2 million people just like you save, manage, and pay off massive debt.

This is not your usual “make-a-budget-and-stick-to-it” advice. Tiffany’s take on $$ will help you see your money in a completely different way so that you understand how to make more of it and save it with ease.

After you listen, you’ll have THE 5 money skills you need to gain financial freedom.

For more resources, including links to Tiffany’s book, the links Mel mentions, and Tiffany’s social media platforms, click here for the podcast episode page: https://www.melrobbins.com/podcasts/episode-153

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Follow Tiffany Aliche on Instagram: https://www.instagram.com/thebudgetnista

Follow The Mel Robbins Podcast on Instagram: https://www.instagram.com/themelrobbinspodcast

I’m just your friend. I am not a licensed therapist, and this podcast is NOT intended as a substitute for the advice of a physician, professional coach, psychotherapist, or other qualified professional. Got it? Good. I’ll see you in the next episode.

In this episode:
00:00: Intro
03:30: This is how Mel handles her money. Can you relate?
08:00: How Mel helped her family start getting out of debt.
08:50: Mel’s #1 rule about money after having been bankrupt.
09:15: How Mel passed her relationship to $$ down to her daughters.
14:45: How to incentivize your kids to turn out the lights.
18:10: The first and second BIG financial mistakes Tiffany made.
23:10: After the recession hit, things got even worse for Tiffany.
25:45: What to do when you feel shame about your finances.
29:05: Here’s how to prioritize your bills if finances are limited.
29:55: Why is it so hard to open your bills?
33:15: The #1 Rule of Money.
34:35: Reframe your 5-step budget plan so it’s doable!
39:30: What concerns Mel about how easy it is to buy stuff today.
42:00: Put your money into these 4 buckets automatically.
45:20: How do you know if an online bank is legit?
48:20: What percentage of your income should be for living expenses?
51:22: Rule #2 of Tiffany’s Money Strategy: how to manage debt.
53:40: Use the Snowball Method to pay down your bills.
55:08: Or use the Avalanche Method to hit highest interest rates.
55:30: The Tsunami Method is best when one particular debt causes stress.
56:30: Rule #3: How do you save when you’re just making ends meet?
58:15: Use “dreamscaping” to motivate yourself when debt gets you down.
1:01:00: Do this so that you don’t go debt-free alone.
1:03:18: The 4 questions to ask yourself before you spend.
1:06:20: How much money should be in savings before you start losing?
1:08:25: Rule #4: How do you improve your credit score?
1:10:33: The 3 ways to boost your credit score quickly.
1:14:35: What to do before you ask your boss for a raise.
1:17:45: How to value yourself when you own a small business.
1:18:15: Tiffany’s favorite side hustles and advice to earn extra $$.
1:21:55: The tragic event that made Tiffany realize what’s most important.

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#money #success #makemoremoney #moneytips #budgeting #savemoney #podcast #financetips


Follow Mel:
Instagram: https://www.instagram.com/melrobbins/
TikTok: http://tiktok.com/@melrobbins
Facebook: https://www.facebook.com/melrobbins
LinkedIn: https://www.linkedin.com/in/melrobbins
Website: http://melrobbins.com​

Sign up for Mel’s newsletter: https://melrob.co/sign-up-newsletter
A note from Mel to you, twice a week, sharing simple, practical ways to build the life you want.

Subscribe to Mel’s channel here: https://www.youtube.com/melrobbins​?sub_confirmation=1

Listen to The Mel Robbins Podcast 🎧 New episodes drop every Monday & Thursday!
https://melrob.co/spotify
https://melrob.co/applepodcasts
https://melrob.co/amazonmusic

Looking for Mel’s books on Amazon? Find them here:

The Let Them Theory: https://amzn.to/3IQ21Oe
The Let Them Theory Audiobook: https://amzn.to/413SObp
The High 5 Habit: https://amzn.to/3fMvfPQ
The 5 Second Rule: https://amzn.to/4l54fah

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Una persona fallecida de tu familia #plantas #money

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Una persona fallecida de tu familia #plantas #money



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Every Financial Trap Middle Class People Fall Into Explained

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Every Financial Trap Middle Class People Fall Into Explained



Most people make a solid amount of money, they just don’t manage to keep it. I hope this helps and I hope you enjoy.

My complete 60+ page manipulation guide on how to spot and defend manipulation in everyday life:
👉 https://everythingprofessor.shop/products/invisible-strings-full-manipulation-defence-ebook

👜 Business Mail: everythingprofessor@gmail.com

Watch on Spotify: https://open.spotify.com/show/07ZgD0ECjWPrjFgTZ4uwW6

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—————————————————————————————

Timestamps:

0:00 Lifestyle Creep
1:14 The Car Payment Treadmill
2:22 The Minimum Payment Illusion
3:31 House Poor
4:39 The Whole life Insurance Scam
5:50 Paying for Convenience
7:10 Keep Up Appearances
8:23 The Emergency Free Delusion
9:45 Retail Therapy Addiction
11:03 The Retirement Delay
12:22 Brand Loyalty Tax
13:50 The Side Hustle Trap

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2026 Worst Year For Crypto.

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2026 Worst Year For Crypto.



Follow us for more educational content:

Instagram (Geopolitics & AI) : @bitinning
Instagram (CRYPTO): @kashifoncrypto
Youtube: https://www.youtube.com/@Bitinning
Kashif X: @simplykashif
Bitinning X: @bitinning

DISCLAIMER: This content is for informational and educational purposes only. We cover global geopolitical developments, cryptocurrency markets, and artificial intelligence trends based on publicly available information. Nothing shared should be considered financial, legal, or investment advice. These domains are highly dynamic and subject to rapid change, so viewers are encouraged to verify information independently and consult qualified professionals before making any decisions.

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Not financial advice

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Not financial advice



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Stop Wasting Money: Your Financial Wake-Up Call #shorts

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Stop Wasting Money: Your Financial Wake-Up Call #shorts



You might be making enough money but blowing it on car payments, DoorDash, weed, women, games, and subscriptions. Feel good for 24 hours, then robbed by Monday. #FinancialMistakes #MoneyManagement #WealthBuilding #YoungMen

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Ethereum Chart Analysis | Is a New Rally Coming?

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Ethereum Chart Analysis | Is a New Rally Coming?



In this video I break down the current Ethereum price action and analyze the structure of the recent pullback following the June rally. I examine how the market is respecting key channel boundaries and assess whether the ongoing decline indicates a further breakdown or a potential stabilization within the existing trend.

I explore the current Elliott Wave counts to help you understand the potential paths for Ethereum. By evaluating the microstructure of the recent move, I explain why the market remains in a state of consolidation and identify the critical support and resistance levels that will dictate the next major trend direction.

This update provides a objective look at the Ethereum chart, focusing on technical setups and the lack of impulsive price action. You will learn how to monitor for a possible 1-2 setup to the downside and why maintaining a cautious outlook is essential while the asset continues to trade within this sideways range.

Timestamps:
0:00 – Ethereum price channel analysis
2:13 – Evaluating wave scenarios
4:13 – Support and trendline outlook
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🧿 MCO Global:

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⚠️ Disclaimer
The content provided on this channel is for informational and educational purposes only. It does not constitute financial advice, an offer or solicitation to buy or sell any financial instruments, or a financial service under applicable laws.
All analyses and opinions expressed are strictly personal views. You are solely responsible for your own investment decisions and act at your own risk. Always consider your individual risk profile and, if necessary, consult with an independent financial advisor.
Some of the links provided in this description may be affiliate links. If you choose to use them, MCO Global may receive a commission – at no additional cost to you. Thank you for supporting the channel.

⚠️ Important: Affiliate links related to cryptocurrency exchanges are not available to residents of the United Kingdom, the United States, or any other restricted jurisdictions. Please check the laws and regulations that apply in your country before using such services. Other affiliate links (e.g. VPN, hardware wallets, software tools) are unaffected.

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5 Financial Goals You Must Achieve Before Age 40 | Smart Money Tips in Kannada# #youtubeshorts

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5 Financial Goals You Must Achieve Before Age 40 | Smart Money Tips in Kannada# #youtubeshorts



Are you financially ready before turning 40? In this Kannada YouTube Shorts video, discover 5 essential financial goals everyone should achieve before the age of 40. Learn why owning a home, maintaining a high credit score, avoiding unnecessary debt, investing wisely, and having insurance can help you build a secure and successful future.

Watch till the end, share this video with your family and friends, and subscribe for more Kannada finance, motivation, and life improvement videos.

🔔 Subscribe for more Kannada Shorts on finance, success, and self-improvement!

#Kannada #KannadaShorts #KannadaFacts #KannadaMotivation #FinanceTips #MoneyTips #FinancialFreedom #PersonalFinance #Investment #MutualFunds #CreditScore #Insurance #ViralShorts #Trending #Shorts

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‘Financial landmines’: Labor’s widow tax backflip sparks fresh attack

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'Financial landmines': Labor's widow tax backflip sparks fresh attack



Shadow Treasurer Tim Wilson claims Labor is scrambling to undo the economic damage caused by its own tax changes after backing away from the controversial widow tax.

“They’re pairing it back after laying a series of financial landmines across the country,” Mr Wilson told News24 host Sharri Markson.

“As people are slowly discovering them, they’re financially maiming households, families and of course widows.

“The government is now trying to diffuse the landmines they’ve laid across the economy.

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“It’s not enough; they haven’t found them all.”

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