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 what it costs.
First circles · Managua · 3 September 2026
What it includes
One community. Three spaces.
The experience begins in a circle. On joining, you also become part of the Community and gain access to Financial Education.
01
Your circle
The steady group, the monthly meeting and the guide who accompanies it.
Time set aside to put into words what almost never gets said out loud.
Listening without judgement and without prescriptions: no one tells you what to do with your money.
Other experiences that open up questions and alternatives you had not considered.
Continuity with the same group, which is what lets patterns become visible over time.
Practice in speaking, asking, setting a limit — and also in passing your turn.
Depth
02
The community across circles
A conversation that continues between one meeting and the next, with women from many cities.
Different reference points: paths, ages and occupations that show there is no single way.
Activities and conversations that sustain the learning between sessions.
Ways to take part that fit you, according to your time and your appetite.
A wide network, without anything said in your circle ever being touched.
Beyond your group
03
Financial Education
Content, talks and practical resources, outside the circle's meeting.
Spending, budgeting, saving, debt, credit, protection, investing and planning, in plain language.
Criteria to compare options, see the real cost and recognise a risk.
Vocabulary to ask better questions at a bank, at work or at home.
Content made for variable income, unpaid care work, self-employment and supporting family across borders.
Complete independence: we do not sell products and we take no commission from anyone, so what is taught is what serves you.
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 a circle is. And what it is not.
It is
A group of peers.
A conversation with structure.
A place to share your own experience.
A space with agreements about care and confidentiality.
It is not
It is not an investment or a business. No one puts in money to get more money back.
It is not a savings pool or a chain. There is no pot, no turns, no return. No one receives money from anyone.
It is not a place where anything is sold. Not by the organisation, not by a bank, not by a lender, not by the members to each other.
It is not personalised financial advice. No one tells another woman what to do with her money.
It is not a finance course, and it is not therapy.
What holds the circle together
The rules.
Four agreements you take on when you join. They are not advice: they are the conditions that make the conversation possible.
01
What is said here stays here
Trust is the only thing that holds a circle together. It is a commitment between the women in the room, and it is taken seriously.
02
No one here knows everything
None of us is the expert. Everyone has something to teach and something to learn.
03
No business is done in a circle
Between members of the same circle there are no loans, no partnerships, no bosses, no clients. It is the condition for speaking frankly: no one says out loud that she is in debt if her business partner or her lender is across the table.
04
Together we go further
The group does what willpower alone does not.
Nothing said in a circle is ever written down. Ever. There are no minutes, no notes, no recordings, no summaries.
Membership
US$ 35 a month.
Plus any taxes that apply in your country. It includes your circle, the community across circles and Financial Education.
Money should not leave you out.
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
Money in Her Voice PBC.
The company behind Women Who Talk About Money. It is incorporated in Delaware as a Public Benefit Corporation, an uncommon form that is worth explaining.
01
The purpose is in the certificate
A PBC writes its public benefit purpose into its founding document. It is not a campaign promise that can be withdrawn when it becomes inconvenient: changing it requires a shareholder vote.
02
The board is required to balance
By law, 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.
03
There is accountability
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 with peers, 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.
What it means in practice
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.
What we do not do with money
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.
Elaine Miranda · Co-founder
The founders
Elaine Miranda is a financial educator and author. She shares her knowledge in the Financial Education space; she does not take part in the circles.
Luis Roberto Andrade works on structure, expansion, systems and the training methodology.
How to start
Tell us what city you live in.
From there we will explain the next step and when the next circle opens.
