Your Money, Your Rules. Financial Lessons From Successful Women - a ZF Project in Partnership with Raiffeisen Bank. Nicoleta Mihaiu, CEO, Smartree HRTech: The Financial Part Is Important, but You Can Spend the Money Very Easily. You Need to Understand the

Money management involves more than winning and spending: it means conscious choices, balance between personal and professional objectives and a deep understanding of the long-term values of each decision, supports Nicoleta Mihaiu, CEO of the HRtech Smartree. For it, financial success is not reduced to accumulation, but to clarity, planning and capacity to build a coherent life between career and personal life.