When Stephanie Kaplan was a college senior, she didn’t have much time to savor those last months before hitting the work world; she was already in it. Stephanie and two fellow Harvard students, Windsor Hanger and Annie Wang, had founded hercampus.com and were negotiating media partnerships and meeting with their lawyer in between going to classes and sorority meetings.

The trio became friends while working on a campus fashion magazine, and thought that creating a similar publication online could meet an unmet need for publishing-savvy college gals nationwide. They entered their proposal for Her Campus in a Harvard business plan competition, and won. As a prize, they took the free office space in Cambridge, but not the funding, so they could retain as much control of the company as possible. “For now, we are holding off on raising money,” says Stephanie. “We are definitely bootstrapping, but our revenues should be able to cover our expenses. We’re excited to pay ourselves salaries for the first time after all the work we have put in!” Currently, Her Campus gets more than 600,000 hits per month and has more than 500 contributing writers at 65 colleges around the country. What’s life like for this 21-year-old CEO?

Tips for living well on a young entrepreneur’s salary: “Kill two birds with one stone by attending networking events that offer free food! And I love coupons. I sign up for email lists of all the restaurants I go to, all the stores I shop at, and Groupon, BuyWithMe, LivingSocial, Tippr, etc.”

Social media addiction: “Cotweet.com! It makes tweeting SO much easier.”

Secret to running a business with your friends: “We became close friends through working together, not the other way around, which I think makes a big difference.  We make sure keep communication between us completely open at all times and to be frank with one another about how we are feeling, so that interpersonal issues don’t escalate and can be resolved right away.”

Anti-procrastination strategy: “Make yourself so busy that there is just literally no time to procrastinate.”

Workout routine: “Last spring I trained for and ran a half-marathon, which was a really satisfying goal to work towards. Recently I’ve just been hitting the elliptical machine and weights at the gym for a half hour to an hour a few times a week. I keep five and 10 lb. hand weights at home so I can do my arm exercises even if I don’t make it to the gym.”

Power snack: “Orville Redenbacher’s 100-calorie microwave popcorn bag. I keep these at the office.”

Lesson learned from a favorite mentor: “Cathy Cranston (Executive VP at Mansueto Ventures, which owns Fast Company and Inc. magazines) taught me to believe in my ideas and not be afraid to shake things up and go against the flow. She always stresses that the media industry is screaming for innovation and change and that young people have ideas worth sharing.”

To learn more about Stephanie, visit www.hercampus.com.

Are there really cultural differences in how we approach money and success? Giovanna Pang Garcia came to the U.S. from Hong Kong at the age of 16 with no friends, no family, and barely speaking English. She later taught herself how to build a computer, started a custom computer sales business, and became a self-made millionaire before the age of 40. She says the reason why Chinese women don’t go broke has to do with a mindset: more farming, less drive-through. I recently spoke with Giovanna about her experiences and upbringing, which led to her book, Chinese Women Are Not Broke.

After high school, you say you lost your way for a time. What turned you around?

It’s the kind of story that happens a lot. I was on my own, and started working immediately after high school to survive. I found myself in an abusive relationship, was married and divorced by the time I was 20. After my divorce, I was working at department stores, doing retail sales, and was always among the top 10 sales clerks. But I needed to do something more. Growing up in Hong Kong, I’d worked in my parents’ family business. I saw working for somebody would only get me so far, and felt I deserved my own shot at the “holy grail”, so to speak.

Growing up in a tiny town in Washington state, Kathleen Plate developed a knack for creating something out of nothing. Her childhood money-making schemes included collecting recyclable cans to pay for summer camp and selling handpicked blackberries. In grad school studying English lit, she made a pair of earrings as a party gift, and by the end of the night had a handful of orders for more. It was the beginning of her company, Smart Glass Jewelry, in which Kathleen transforms discarded glass bottles into imaginative earrings, necklaces, bangles, and recently launched, furnishings.

In business for 18 years, she’s seen the highs and lows of entrepreneurship, and thinks it isn’t for everyone. “If you believe in scarcity and fear, then you’re probably better off having a desk job because you’ll be motivated by security,” she says. “But if you believe in adventure and look at the world as full of opportunity, then you’ll be more suited to entrepreneurship.” Below, a few insights into her Go-Getter Girl mindset.

Daily ritual: Driving to work, she sets her intention for the day. “Sometimes it might be business-related, such as securing the purchasing order from a new client. Other times, I just hope something quirky happens that day.”

On time-management: “When you run your own business, you’ll try a locked door a few times, but you can’t waste time banging on it when there might be three open doors right next to you.”

Stress relief: A four-mile jog around a lake. “Exercise clears your mind so that what you know can emerge.”

Can’t live without: Travel, in the last year to Peru, Italy, Tahiti, Jamaica, and Mexico. “It’s good for the soul.”

To learn more about Kathleen, visit Smart Glass Jewelry or kathleenplate.com.

Susan Fales-Hill knows how to make an entrance. While a senior at Harvard, she had a fortuitous meeting with Bill Cosby– and arrived with a parody script and audio tape she’d prepared. “I knew you don’t just go meet someone and show up with nothing but a smile,” she says. “I thought, this is an opportunity; show him your stuff!” That performance earned her a job as a writer’s apprentice on The Cosby Show.

She went on to work for A Different World–becoming its head writer/co-executive producer– followed by 15 years as a television producer and writer. Next, she shifted to prose, writing the critically-acclaimed memoir, Always Wear Joy, about her late mother, actress and performer Josephine Premice. Now, she’s turned to fiction. Her debut novel, out this month, is One Flight Up, a juicy, fun-filled take on the lives of four multi-cultural girlfriends. Think Sex and the City, with an international twist.

Here, Susan shares a few of her secrets in work and in fashion (she’s been named to the International Best Dressed List Hall of Fame).

Inspired by: friendships; textiles; books by Charles Dickens; the painting of her mother in the mezzanine at the New York Public Library (her go-to writing spot).

Style trademark: blouses with dramatic poet sleeves; bias cut gowns for evening

Writing motto: Don’t get it right; get it written.

Work look: “I get dressed to write: slacks, dresses, maybe even a suit.”

On following your bliss: “Don’t think you’ll necessarily become a multi-millionaire by doing what you love. You might just have the gift that you get to do what you’re passionate about. It’s a risk you’re taking.”

Footwear: Flats by Tod’s. “I don’t believe in wearing flip-flops– except at the beach or leaving the nail salon!”

Fitness routine: Reformer pilates, three times a week.

Beauty must: Perfume. “My first love is Amazone by Hermes.”

To learn more about Susan (and peek inside her swoon-worthy “closet”), visit www.susanfales-hill.com.

The designer of several eponymous collections–including her new affordably-priced Rachel Rachel Roy line at Macy’s– shares a bit of what she’s learned about work, life, and looking great.

What elements does an item of clothing need to look expensive even when it’s not?

As a shopper, you should look for good fabric–how it feels when you touch it–and try the piece on to see how it’s constructed. You still might have to get it altered for a little more cost, but tailoring helps the piece look richer right away. Also, check the stitch. If a designer uses a very thin thread, it looks much cheaper than a nice, thick thread. You hear about thread count with sheets, and it’s the same with stitches. If the thread is thicker, I find it makes the garment look richer. Those are little touches I try to give to my [Macy's] collection.

What did you learn back as an intern at Rocawear that prepared you for running your own business?

I learned so much! I think when you work in every department, even departments you don’t like, you learn to appreciate every position.  Working in, for example, the mailroom and in marketing, I learned seemingly little things like how much messengers cost and what time FedEx closes. But those are the things that you actually need to know to run your own company. Also, I’m used to the long hours because I did intern. Now, I don’t mind the hours because I’m working for myself.

You recently told Vogue that you don’t make the gym an utmost priority given your busy schedule as a mom of two daughters.  How do you keep it all together, so to speak?

It’s not easy. I do take it one day at a time, and try to make time for myself, literally just “mind-melting.” Some people call it meditation; I call it mind-melt. Everyday for a few moments (not even 10 minutes if I don’t have it) I either talk to myself or, since I’m a bit spiritual, I talk to God, just trying to put everything into alignment. I also do deep breathing. All of these things sound so corny that I hate kind of listing them, but if you try it when you’re alone–just a deep breath, or sitting up straight–it works. It calms me, and I’m able to be more present for the people that deserve it, like my two little girls.  They deserve a really active, present mom. So, that’s what keeps me going.

To learn more about Rachel, visit www.rachelroy.com.

Photo Credit: Barry Williams