14th Annual Young Women* & Money Conference


Click below to purchase tickets.

Young Women and Money Conference – ALL ACCESS PASS ($25.00) Includes Friday virtual access plus Saturday in-person* access for ONE person. Buy while tickets last!
Young Women and Money Conference – VIRTUAL ACCESS PASS ($18.00) Includes Friday and Saturday virtual access for ONE person. Note: Does not include in-person admission.
Young Women and Money Conference – FREE ALL ACCESS PASS ($0.00) Includes FREE Friday virtual access plus Saturday in-person* access for ONE person. Due to the limited number of free tickets for the event, we are asking all participants who can afford to do so to buy a ticket. Although there is a free ticket option available, we ask you to evaluate whether or not you can afford a ticket before selecting this option.
Young Women and Money Conference – FREE VIRTUAL ACCESS PASS ($0.00) Includes FREE Friday and Saturday virtual access for ONE person. Due to the limited number of free tickets for the event, we are asking all participants who can afford to do so to buy a ticket. Although there is a free ticket option available, we ask you to evaluate whether or not you can afford a ticket before selecting this option. Note: Does not include in-person admission.
Young Women and Money Conference – SPONSOR AN ATTENDEE ($25.00) Purchase a scholarship for a young woman to attend the Young Women and Money Conference. Note: This ticket will donate one pass to the conference to a young woman.

Join us for our 14th ANNUAL YWCA BERKELEY/OAKLAND YOUNG WOMEN AND MONEY CONFERENCE being held Virtually on Friday, December 3rd and Saturday December 4th, 2021 with limited in-person tickets available on Saturday! Our definition of women is inclusive of gender non-conforming peoples and trans peoples.

“Controlling your money, rather than having your money control you” is key to every woman’s quality of life. The YWCA Young Women and Money Conference will help you gain financial independence and success.  Register soon before seats sell out! Conference sold out the past 13 years.

Conference Agenda

This year’s speakers

Raffle Prizes

Our Sponsors


*Note: In accordance with local COVID-19 restrictions, all in-person attendees will be required to wear a face mask throughout the building for the duration of the event, except while eating or drinking. All in-person attendees must show proof of vaccination on Saturday, December 4th. Ticket holders who fail to comply with these local guidelines will be turned away at the door.

​​In light of COVID-19, the conference will be held partially online through Hopin and partially in person at the YWCA Berkeley/Oakland located at 2600 Bancroft Way, Berkeley. Despite the circumstances, our goal of advancing financial literacy and personal finance skills in young women, ages 18-30, and high schoolers, still remains as our primary focus. 


  • Two Fantastic Keynote Speakers
  • Three Workshops of Your Choice
  • Amazing Door Prizes From Our Donors (Including a $400+ Laptop From Tech Exchange, Gift Basket From In N Out, and SF Giants Autographed Baseball)
  • Financial Resources and Giveaways
  • And More!


Check back for more updates as we get closer to the event!

Friday, December 3rd, 2021

Virtual on Hopin

12:30 PM: Opening

12:45 PM: Welcome & raffle

1:00 PM: Keynote

1:45 PM: Networking & Break

2:30 PM: Afternoon workshops 

3:30 PM: Closing


Saturday, December 4th, 2021

In person at the YWCA & Virtual on Hopin

9:00 AM: Registration

9:30 AM: Welcome & Raffle

9:45 AM: Morning Keynote

10:45 AM: Morning Workshops 

12:00 PM: Luncheon & Raffle & Networking

1:00 PM: Afternoon workshop

2:15 PM: Closing & Raffle 



Tired of sweating at the ATM because your money is going fast?  Wishing you knew the way to see your money grow? This conference will provide you with the tools to gain financial independence and success! Learn the street smarts of money: good credit, budgeting, paying bills, investing.

As I come into different stages of adulthood, I find the conference helps me answer questions I face at work and for my own financial independence” – Conference Attendee 2019

I have been to 4 YWCA Young Women & Money Conferences. Before I came I had zero knowledge about financial planning, but now I have paid off my car, started an emergency fund, opened a Roth IRA and started investing. I am now starting to think what I really want in life ” – Conference Attendee 2017

Our Presenters

Charly Stoever 

(Speaking Friday)

Instagram: @TravelerCharly

Charly Stoever (they/them) is a formerly undocumented Mexican American, nonbinary money coach helping LGBT and BIPOC folks make money their bitch. They are a former teacher, tour guide, and stock broker turned digital nomad based in Playa del Carmen, Mexico and they have a private coaching program for marginalized folks who want to learn how to build generational wealth, regardless of income. Here is their website.

Workshop Title: Make Credit Cards Your Bitch

Description: The language of money seems intimidating because it’s designed to exclude those who are not familiar with it. I am changing that. Join me and reshape your mindset about credit. Learn how to utilize credit to your advantage and to increase your economic power. I’ll teach you the basics of credit and reward points, how and when to use your cards, how to avoid credit debt, and most importantly, how to navigate all the ins and outs of credit card usage so that you can reach your financial goals. No more bitchin’ about your credit score, make credit cards your bitch!


Moana Fogg

(Speaking Friday)

Moana Fogg is a Benefit Advisor for the U.S. Department of Labor, Employee Benefits Security Administration.  She has a Masters of Arts in Secondary Social Studies Education, and has a keen interest in labor rights, social justice, and public service.  The mission of the Employee Benefits Security Administration is to assure the security of the retirement, health and other workplace related benefits of America’s workers and their families. In her role as a Benefit Advisor, she advises participants of their rights, and how the law might apply to their situation.  Her favorite part of her job is conducting outreach events to help participants better understand how to make the most of their hard-earned benefits, which includes preparing for their retirement.

Workshop Title:  Savings Fitness:  A Guide to Money and Your Financial Future 

Description:  Planning for a secure retirement can be challenging, but the sooner you start, the easier it will be.  Saving fitness is one simple way to get you on the road to financial security. Join us as we talk about ways to increase your financial fitness and save for retirement, including making the most of employer-based retirement savings plans.  This workshop starts you on the way to setting goals and putting your retirement high on the list of personal priorities


Judy Elizabeth

(Speaking Friday)

Instagram: @hearmefinance

Judy is a money coach who is obsessed with talking about money and putting people on the course to financial freedom.

After growing up with a vulnerable immigrant mother and experiencing financial abuse from her father – and later accumulating a lot of credit card debt in her 20s – Judy decided to take the reins of her life to steer her down the path of financial wellness. Now, she draws from her own experiences to help others do the same.

Coming from a background as a union organizer – fighting for low wage workers to get better salaries and benefits – Judy now loves coaching women and couples to pay off debts, negotiate down the cost of literally anything, create ‘escape funds’ to leave their jobs or their own financial abuse situations, maximize their finances. She is also passionate about training other women of color to start their own money coaching businesses so together we can eliminate debt within BIPOC communities.

Workshop Title: How to have an Unshakeable Money Mindset


Evie Prete

(Speaking Saturday)

Instagram: @lamalamujerblog

Evie Prete was born in San Diego, CA and is the first in her family to go to college. After earning her degree in Mechanical Engineering from UC Davis, she’s had a successful engineering career and worked in the space exploration industry as a Rocket Engineer. Coming from a Spanish speaking immigrant background, Evie struggled early in her career as she was the first in her family to navigate areas like 401Ks, benefit packages, salary negotiations, etc. She is the founder of La Mala Mujer, a blog to help first generation women navigate mental health, personal finance and career. She launched her “We Came to Slay Salary Negotiations” Group Coaching Program to teach BIPOC women, LGBT and nonbinary folks to negotiate their salaries. Evie has coached her clients to increase their salaries by 5-figures and believes that every single person deserves to get paid top dollar for their services.

Workshop Title: We Came to Slay Salary Negotiations

Description: I don’t want to be the bearer of bad news, but women, especially BIPOC women, are underpaid. Any way you cut it, women get the short end of the stick when it comes to salary – and I’m over that. This session will cover the limiting beliefs, negotiation mindsets, and strategies necessary to slay your salary negotiation! A study calculated that women who consistently negotiate their salary increases earn at least $1 million more during their careers than women who don’t. Whether you are well into your career or a new graduate, you have the power and leverage to negotiate your salary and increase your pay. Let’s get that bag my friends!


Michelle Garcia

(Speaking Saturday)

Instagram: @financhellegains

Michelle Garcia is a First Generation Queer Latina money coach and the creator of Financhelle Gains, a platform that serves as a guide for LGBTQ+ and BIPOC communities as they navigate their finances. Having been raised in a home by Salvadoran immigrants who knew little to nothing about money management, led her to make money mistakes rooted in scarcity wounds from lacking information. She is now on a mission to help marginalized communities avoid those mistakes by sharing her knowledge on building wealth and holding space for healing conversations about money relationships.

Workshop Title #1: Getting to the Root

Description: This workshop is all about going inward on your money journey. The most sustainable way to build wealth is by aligning your values to the process. Michelle will help you unveil your “why” to become more intentional with budgeting, saving, paying off debt and investing. This session will cover mindset as well as strategies to help you flourish.

Workshop Title #2: Tailoring your Budget

Description: A budget should not be restrictive and should be the perfect fit for YOU. This workshop is about designing and altering a long-lasting system that suits YOUR needs and desires. Michelle will share different forms of budgeting for all income earners, that will help with gaining self-awareness to reach your goals by any measure.


Carmetta Joyner

(Speaking Saturday)

Carmetta (Car-mEE-tah) Joyner is an Associate Advisor at North Berkeley Wealth Management. She advises clients on how to achieve their financial goals. Carmetta joined the financial advisory profession to be a resource for underserved communities, empowering individuals to take control of their financial journeys. She earned her M.S. in Finance from Golden Gate University as a first-generation college student. Carmetta is particularly passionate about “retirement planning” because she believes financial independence is key to a better quality of life!

Workshop Title: Planning for Financial Freedom

Description: From financial security, to financial independence, and onwards to financial freedom, I am here to help you escape the cycle of living paycheck to paycheck, constantly worrying about bills piling up. Financial freedom is not something to be achieved overnight, it requires meticulous planning and strategic budgeting. Join me and learn how you can overcome debt and start saving for your future. Your financial and lifestyle goals are not out of reach!



Nika Booth (Keynote Speaker)

(Speaking Friday)

Instagram: @debtfreegonnabe

Nika Booth is an award-winning personal finance content creator, money coach, and founder of Debt Free Gonnabe, a personal finance community and coaching business. She’s on a journey to slay her 6-figure debt and since starting in 2018, has paid off $70,000 on a single income. Nika created Debt Free Gonnabe to document her journey and now teaches others how to better manage their money and pay off debt, while still enjoying the things that they love. She has grown a supportive community of nearly 40,000 on Instagram and won the 2021 Plutus Award for Best Debt Freedom Content. Nika’s work, including her hilarious, yet relatable Instagram Reels and TikToks, have been featured in Grow from Acorns + CNBC, Vox, Real Simple, Mic, XONecole, and more. You can follow Nika’s debt payoff journey on Instagram at Debt Free GonnaBe and check out her blog at debtfreegonnabe.com.

Workshop Title: Paying Off Debt Without Sacrificing Your Life 

Description: In this workshop, you will learn strategies to pay off debt without depriving yourself. Nika will use her own story and challenges with debt to teach you how to get started tackling your own debt. You’ll learn how to choose a debt repayment strategy, the common mistakes people make when paying off debt and how to avoid them, steps you can take to pay off debt faster, how to incorporate fun into your debt payoff journey, and tips that will decrease the likelihood of going back into debt. We all deserve a life where we aren’t shackled to debt.


Bears for Financial Success (Panel)

(Speaking Saturday)

Panel Title:  Student Stories for Navigating Finances


Jolie Whitehead (she/her)

Elsy Lewis (she/they)

Stephanie Rodriguez (they/she)





Raffle Prizes

Every attendee is automatically entered to win our amazing door prizes! Check out what you can win at this year’s conference:

Laptop from TechExchange ($425+ Value)

Autographed Baseball from San Francisco Giants

Gift Basket from In N Out

Gift Cards to Local Restaurants

Family Pass to Oakland Museum of California

And More!!

2021 Sponsors and Contributors

YWCA Empowerment Team

YWCA Champion

North Berkeley Wealth Management Logo


YWCA Donors



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Pippa & Co.                             In-N-Out Logo.  Back to homepage                                 


Who can attend the Young Women and Money Conference?

While the event is catered towards young women (age 18-30) in Oakland and the East Bay, anyone is welcome! Our definition of women is inclusive of gender non-conforming peoples and trans peoples.

Where will the Young Women and Money Conference be held?

The in-person portion of the event on December 4th will be held at the YWCA Berkley/Oakland, 2600 Bancroft Way, Berkeley CA 94704.

Will there be parking at the event?

Unfortunately, the YWCA Berkeley/Oakland does not have parking for attendees. We encourage everyone to use public transportation (AC Transit or BART) to get to the event. There is limited metered parking on Bancroft Avenue and Bowditch Street and paid parking through the University at the Bancroft Parking Structure.

I need a free ticket, but they are all sold out. What do I do?

Email the Young Women and Money Team at ywmoney@ywca-berkeley.org.

How will the virtual event be different than the in person event?

On Saturday, attendees have the option to choose between attending the conference virtually and attending in person. Both ticket types include entry into our raffle, access to Hopin for both days, networking through the Hopin app, and the same number of presentations. In person attendees will also be provided lunch and a light breakfast bar. Virtual presentations will be a combination of live streamed presentations, live workshops on Hopin, and pre-recorded workshops on Hopin. The schedule for the virtual event will also be tweaked to include more breaks and networking opportunities.

Can I donate to the Young Women and Money Conference?

Yes! There are two ways you can contribute. The first is to purchase a ticket for another person to attend the conference for free. To do this, head to the ticket section and click the “Sponsor an Attendee” ticket option. Once you check out through Square, our team will be notified and will make a free ticket available to other attendees. You may purchase any amount of tickets in $25 increments. The second option is to donate directly, which gives you the ability to customize your donation amount. You can Venmo us at @YWCABerk with a note saying “Economic Empowerment Program” and your email so we can thank you!

Can my business donate to the Young Women and Money Conference?

Yes! We are accepting in kind donations and sponsorships for the conference. Please email finliteracy@ywca-berkeley.org for more information about sponsorship and donor opportunities.

I still have questions. Who do I contact?

Email the Young Women and Money Team at ywmoney@ywca-berkeley.org.

Our Previous Speakers and Sponsors Include: 

13th Annual Conference, 2020:

Speakers: Melissa Jean-Baptiste, Yanely Espinal, Mykail James, Danetha Doe, Candice Latham, Sahirenys Pierce, Danielle Desir, Jasmine Paul, Jully-Alma Taveras, Akeiva Thomas, Hina Kumar

Sponsors: Patelco Credit Union, North Berkeley Wealth Management, YWCA Berkeley/Oakland Board of Directors, YWCA of the Mid-Peninsula Donor Advised Fund, The Women’s Foundation of California, Golden1 Credit Union, BlackRock, Berkeley Bowl Marketplace, Super Duper Burgers, Trader Joe’s, In-N-Out Burger

12th Annual Conference, 2019:

Speakers: Saundra Davis, Natalie Torres, Shannon Blackmon, Rebecca Delmundo, Krystal Fortner, Paola Ramos, Diana Ruiz, Nicole Middleton

Sponsors: Golden1 Credit Union, Fidelity Investments, YWCA Berkeley/Oakland Board of Directors, Women’s Global Leadership Initiative, Calavera, Trader Joe’s, Pura Vida, La Mediterranee, IMPACT Bay Area, Calavera, Sephora, Safeway, The Body Shop, Hipline

11th Annual Conference, 2018:

Speakers: Claudia Rivas, Veronica Dangerfield, Lynn Johnson, Melissa Tosetti, Rebecca Delmundo, Gretchen Caldwell, Paola Ramos, Adrian Morris, Marlis Jensen, Helen Irungu, Malia Cohen, Janet Miller Evans

Sponsors: EP Wealth Advisors, Golden1 Credit Union, Fidelity Investments, YWCA Berkeley/Oakland Board of Directors, Trader Joe’s, Cal Shakes, La Mediterranee, IMPACT Bay Area, Calavera, Sephora, Safeway, The Body Shop, Hipline

10th Annual Conference, 2017:

Speakers: Libby Schaaf, Tammy Haygood, Kathlyn Hart, Madelyn Mackie, Dorian Webb, Lynn Ballou, Caitlin D’Aprano, Karen Lum, Sue Mazetti, Katy Song, Heidi Stoltz, Faye Mellos

Sponsors: YWCA Berkeley/Oakland Board of Directors, Bell Investment Advisors, Kendra Scott, Golden1 Credit Union, Trader Joe’s, MILLS College, Luna, CFP Board, Sephora, Fidelity Investments

9th Annual Conference, 2016:

Speakers: Betty T. Yee, Veronica Dangerfield, Kathlyn Hart, Lynn Ballou, Nicole Middleton, Elaine Shen, Jenny Smith, Lisa Vang, Katherine Brown

Sponsors: YWCA Berkeley/Oakland Board of Directors, Golden1 Credit Union, Patelco Credit Union, Fidelity Investments, MILLS College, ULTA Beauty, CFP board, Tanya Kumar, Albatross Pub, Rialto Cinemas, La Mediterranee, Bette’s Diner

8th Annual Conference, 2015:

Speakers: Neale Godfrey, Veronica Dangerfield, Kathlyn Hart, Samantha Hobart, Lisa Vang, Katherine Brown, Jenny Smith

Sponsors: Fidelity Investments, YWCA Berkeley/Oakland Board of Directors, Golden1 Credit Union, MILLS College, Trader Joe’s, ULTA, Luna, Jean Chatzky, Carmen Wong Ulrich, Galia Gichon, Lynette Khalfani

7th Annual Conference, 2014:

Speakers: Carmen Ulrich Wong, Ann Tardy, Stephanie Boydell, Saundra Davis, Kathlyn Hart, Holly Gillian-Kindel, Krystal Fortner

Sponsors: HSBC, Standard & Poor’s, YWCA Berkeley/Oakland Board of Directors, Golden1 Credit Union, US Bank, MILLS College, Trader Joe’s, Sephora, Luna, Galia Gichon

6th Annual Conference, 2013:

Speakers: Valerie Coleman Morris, Galia Gichon, Kelly Ramirez, Sarah Tolson, Julie Baeder, Stephanie Boydell, Krystal Fortner, Kate Levinson, Shelley Murphy

Sponsors: HSBC, Standard & Poor’s, YWCA Berkeley/Oakland Board of Directors, Golden1 Credit Union, US Bank, Luna, Sephora, Trader Joe’s, Target, The Body Shop, AAUW, Suze Orman

5th Annual Conference, 2012:

Speakers: Charlotte Stallings, Stacey Tisdale, Bethany Eggman, Christi Garcia, Kate Levinson, Nancy Wright Cooper

Sponsors: HSBC, Standard & Poor’s, YWCA Pacific Region, Golden1 Credit Union, US Bank, Reed Smith, Target, Trader Joe’s, YWCA Berkeley/Oakland Board of Directors, Luna, Twig & Fig, Suze Orman

4th Annual Conference, 2011:

Speakers: Glinda Bridgforth, Kimberly Palmer, Cathy Curtis, Bethany Eggman, Jenny Smith, Jadine Wong, Larisa Troche

Sponsors: HSBC, Standard & Poor’s, YWCA Berkeley/Oakland Board of Directors, Luna, Sephora, Beth Kobliner, Trader Joe’s

3rd Annual Conference, 2010:

Speakers: Noni Ramos, Carmen Wong Ulrich, Ann Tardy, Elizabeth Barnes, Suzanne Agasi, Stephanie Barbour, MB Deans, Sylvia Gonzales, Peggy Green, Aurora Medina, Ly Franshaua N. Pipkins, Rachel J. Robasciotti, Jenny Smith

Sponsors: HSBC, Standard & Poor’s, YWCA Berkeley/Oakland Board of Directors, Keller Graduate School of Management, Golden1 Credit Union, FPA of East Bay, Luna, AAUW, City Car Share

2nd Annual Conference, 2009:

Speakers: Veronica Dangerfield, Veronica Morris, Kathleen Ronald, Aurora Medina, Alicia Rincon, Jenny Smith, Loretta Abrams, Julie Asti, Kimmy Bess, MB Deans, Robert Lattimore

Sponsors: HSBC, Luna, Benefit San Francisco, YWCA Berkeley/Oakland Board of Directors, Money Coaching Institute, Patelco Credit Union, City Car Share

1st Annual Conference, 2008:

Speakers: Lynnette Khalfani, Lateefah Simon, Ann Tardy, Loretta Abrams, Julie Asti, Alison Covarrubias, Rosie Faifua, Cathy Jackson, Jacquelyn Harbert, Aurora Medina, Emily Davidson Peters, Emila Sutton

Sponsors: HSBC, Department of Labor Women’s Bureau, Kiehl’s, MILLS College, Wells Fargo, Mary Kay, Luna, FPA, YWCA Berkeley/Oakland Board of Directors