Before you decide
Everything you need to know before writing to us: what you get by belonging, what you will not find here, the rules that hold the circle together, and how the terms are discussed.
Money in Her Voice is a community of women organized in circles: steady groups of 6 to 9 who meet every month, with a guide, to talk about money from their own experience and without advice. When a woman joins a circle, she also becomes part of the community across circles and gets access to financial education. Its purpose: that every woman in the community changes her world by talking with others about what she talks about with no one.
What it includes
The experience begins in a circle. When you join, you also become part of the Community and gain access to Financial Education.
The steady group of 6 to 9 women, the monthly meeting and the guide who accompanies it.
Depth
A conversation that continues between one meeting and the next, with women from many cities.
Beyond your group
Content, talks and practical resources, outside the circle's meeting.
For members only
The circle gives depth. The community, breadth and continuity. The education, knowledge you can apply.
Each one does something different, and that is why they go together.
So there is no confusion
What holds the circle together
The four pillars of the method. They are not advice: they are the conditions that make the conversation possible, and each one addresses a specific way a circle goes wrong.
What is said here stays here. Nothing, ever, to anyone: not even without names, not even at home. It is the pillar that holds up the other three, because without it nobody risks the first.
You bring what is really happening, not the presentable version. It is not telling everything or venting: it is saying out loud something that until now only you knew.
No one here knows everything, and no one here gives advice. None of us is the expert: each woman tells what happened to her, and the woman speaking keeps whatever is useful to her. Without this, the group becomes a committee that solves another woman's life.
You get from the circle what you bring to it. You come, you arrive on time and you arrive with your sheet filled in. Nobody is going to draw out what you do not put in, and the group does what willpower alone does not.
Nothing said in a circle leaves the circle. Ever. There are no recordings, no summaries, no minutes passed around. The only thing written down is the note-keeper's record of themes — who presents a case comes out of it — and it stays inside.
And members of the same circle do not do business with each other: no loans, no partnerships, no bosses, no clients. No one says out loud that she is in debt if her business partner or her lender is across the table.
Membership
Participation includes your circle, the community across circles and Financial Education. We do not publish a figure on this page.
For some women we have the support of our sponsors. If you want to be in a circle and cannot afford it, write to us and let's talk.
About us
The company behind Money in Her Voice. Money in Her Voice PBC is in the process of incorporation as a Public Benefit Corporation, an uncommon form that is worth explaining.
Money in Her Voice PBC is in the process of incorporation. The public-benefit purpose is not a campaign promise that can be withdrawn when it becomes inconvenient: it is the one the company intends to sustain.
Once it is incorporated, every decision must balance three interests: that of the shareholders, that of the people materially affected by what we do — notably the women in the circles — and the declared purpose.
Once it is incorporated, the company must report periodically on its progress against that purpose. Our primary measure is not how many women sign up, but how many complete at least six months in an active circle.
The purpose, as it is written
The specific public benefits to be promoted by the Corporation are educational, economic and cultural: to break the taboo that keeps women from speaking about money, and to advance the financial knowledge, confidence and autonomy of women.
The Corporation pursues these benefits by creating and sustaining communities in which women can speak about money openly and in confidence among women, and by making financial education available to women.
In pursuing these benefits, the Corporation intends that a woman's ability to pay should not be the reason she cannot participate.
We walk alongside each woman as she changes her relationship with money and makes her decisions with more knowledge and more control. We do not decide for any woman. Each one keeps her own decisions; what changes is the information and the company she has while making them.
We do not invest, we do not manage funds, we do not take deposits, we do not lend or broker credit, and we do not hold any member's money. The only money that goes from a woman to us is her membership.
The founders
Elaine Miranda (Ela), CEO, is a financial educator and author. She shares her knowledge in the Financial Education space; she does not take part in the circles.
Luis Andrade, COO, works on structure, expansion, systems and the training methodology.
Before you write to us
A community of women organized in circles to talk about money. A circle is a steady group of 6 to 9 women that meets every month with a guide. It is not a course and it is not advice: no one tells you what to do with your money. Its purpose is that every woman in the community changes her world by talking with others about what she talks about with no one.
To break the taboo that keeps women from speaking about money, and to advance their financial knowledge, confidence and autonomy. That is the public benefit purpose of Money in Her Voice PBC, which is in the process of incorporation: to create and sustain communities in which women can speak about money openly and in confidence among women, and to make financial education available to them. The ambition: to reach 50 million women so that no woman has to make her life's decisions in silence.
Any woman who wants to talk about money with others and has never had anyone to do it with. You do not need to know about finance or earn a particular income: the woman who earns well and has never invested and the woman who runs a household on just enough share the same thing — never having had a place to say it.
Today, in Managua, Nicaragua, where the first hub launched on September 3, 2026. A city can have more than one hub. If you live in another city, you can apply as a hub director.
The terms of taking part are discussed before you decide. Participation includes your circle, the community across circles and financial education. We do not publish a figure on this page. For some women we have the support of our sponsors. The company intends that a woman's ability to pay should not be the reason she cannot participate.
No. In a circle there is no business, no lending and no selling of financial products. We do not invest, we do not manage funds, we do not take deposits, and we do not hold any member's money. The only money that goes from a woman to us is her membership.
It stays in the circle. That is one of the four pillars every woman takes on when she joins: vulnerability — I share the 5%, not the 95% —, confidentiality — I repeat nothing outside: not the name, not the amount, not the story —, circle mindset — I speak from my own experience; I do not advise, rescue or minimize —, and personal responsibility — I get from the circle what I bring to it.
Elaine Miranda (Ela), CEO, and Luis Andrade, COO. Elaine is a financial educator and author, and shares her knowledge in the Financial Education space; Luis Andrade looks after the structure, the expansion and the methodology. The company is Money in Her Voice PBC, in the process of incorporation as a Public Benefit Corporation.
How to start
From there we will explain the next step and when the next circle opens.
Managua is today the only active hub.
Not in Managua? Apply as a director in your city →