Lucy Mullins is the Co-Founder of Circles powered by StepLadder, a fast-growing, award-winning fintech company pioneering collaborative savings circles to help people reach their financial goals. She is an entrepreneurship expert with the Entrepreneurship Centre at the Saïd Business School, University of Oxford, and an accredited executive coach. Lucy is also the Co-Founder and Programme Director of #RideTheWave, a professional coach training company that helps leaders make an impact in the world by developing their emotional intelligence, resilience and leadership skills. You can read more about Lucy's background and connect with her here: https://www.linkedin.com/in/exec-cheerleader/