Where this was said
Sponsor Break: Monarch Finance App & OneSkin + Money Moves Promo
At 32:10 · chapter starts 31:40
The episode pauses for a sponsor block. Monarch is pitched as a personal finance app that tracks accounts, investments, goals, and spending — with a summer-travel framing and a half-price first-year offer ($50) using promo code MOTH. OneSkin promotes its OS-1 peptide moisturizer, citing over a decade of longevity research and the claim that up to 80% of aging is caused by sun exposure. Between the two sponsor reads, hosts Jill Schlesinger and a co-host tease their upcoming podcast Money Moves, promising actionable personal finance guidance and social-media myth-busting.
Francesca Hayes cited a Cosmopolitan magazine tip that visualizing yourself doing something makes you 10 times more likely to do it — which she applied to learning to ride a bike.
Francesca Hayes learned to ride a bicycle for the first time at age 22, secretly practicing at 3 a.m. on a tiny turquoise Mongoose called 'Little Thunder' to avoid witnesses.
It had to be 3 a.m. It had to be dark. No one could witness a 5'9" adult in a purple helmet on a tiny turquoise Mongoose bike. But when Francesca Hayes pedaled and stayed upright, she laughed, cried, and heard something she'd never heard before: the sound of wind passing her face.
A helmet-free hipster cyclist passed Francesca in the dark and muttered that she shouldn't be riding if she was that drunk. She burst into happy tears. His dismissive comment was the first external confirmation she was actually riding a bike — and she took it.
Inspired by secretly learning to ride a bike at 22, Francesca Hayes went on to work for Bike New York and taught over 1,000 adults in New York City how to ride a bicycle.
