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… ⸻ 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 ⸻ Follow Valeria Lipovetsky: Instagram: https://www.instagram.com/valerialipovetsky Website: https://valeriainc.com/ ⸻ 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  Learn more about your ad choices. Visit megaphone.fm/adchoices