Money Files: Wealth Over Now

In today's episode, I provide a list of questions designed to help you define and understand your financial self-concept. You are with yourself every single day. When you are in the midst of working on your financial journey, it can be hard to see progress. One of the benefits of hiring a coach is that I am watching your progress, and I push you to reflect on the growth and shifts you've made around money.

Managing your finances is more than just budgeting and spreadsheets. Everyone has strong feelings about money. To create lasting changes, you have to identify and understand these emotions. That is why it is so important to understand your financial concept.

Your financial self-concept is just a set of thoughts that you have about yourself in relation to money. I curated a list of questions to help you define and understand your financial story. So get your pen and paper ready! I want you to really engage in this work and take a massive step forward in your financial journey, self-awareness, and money confidence.

As you listen, participate in the work of discovering your financial self concept…

[00:06:27] What is your self-concept like? What are the things that you are thinking about yourself now that you didn’t used to think about yourself when it came to your finances?

[00:08:51] Get your pen and paper. Here are some awesome questions for you to answer while defining your financial self concept.

[00:13:00] Be honest with yourself in terms of your financial mistakes or experiences because there are things that may have happened when you were a child that have influenced how you think about money. After you answer these questions, I want you to think about your answers. I want you to think about what connections you see overall and if there is a trend when you think about the thoughts that you automatically have about money

Tune in to this episode of Money Files as I outline a map of questions that will help you define and understand your financial self concept.

Get full show notes and the episode transcript: 

On today’s episode, I am joined by fitness and nutrition coach Jenny Blake. Together we discuss the similar mindset women have around budgeting and nutrition and how simple mindset shifts can change how you reach goals.

Successfully balancing your nutrition or budget is all about identifying and clarifying your values. Neither principles are about restriction. Instead, the tools Jenny and I empower our clients to use are designed to create a foundational structure you can rely on.

There is a massive overlap between finances, nutrition, and fitness. Achieving your financial and nutrition goals is about learning what holds value for you. Whether that means incorporating your favorite foods into a meal plan or budgeting for travel, these plans are not restrictive. Instead, they are a way to introduce consistency in a manageable and attainable way for your long-term growth and success.  

Listen to this episode as Jenny and I tackle key topics like…

[00:03:14] The huge overlap between finances, nutrition, and fitness.

[00:04:40] Whether we’re talking about macros or we’re talking about a budget, going through this process helps you identify your values

[00:42:01] What do you do when you fail?

[00:46:10] You are your average.

Get full show notes and the episode transcript: 

On today’s episode, I chat with my client, Ellie. I love sharing client stories and relatable examples that show what financial coaching is all about. Ellie’s situation is relatable to every 6-figure earner that struggles with managing their finances. 

Despite several significant raises and cementing herself as a 6-figure earner, Ellie could not escape the paycheck-to-paycheck cycle. Like many other high-income earners, she thought making more money automatically meant she would have more money. But in order to get control of her finances, Ellie and I needed to create a strategy that aligned her money and personal goals.

Listen in as Ellie shares how a different approach to budgeting has helped her gain more security with her finances. She went from spending impulsively on material items to purposely planning for future expenses, confidently paying down debt, and consistently contributing over $500 a month to her emergency fund. I hope you get inspired by Ellie’s newfound financial freedom and gain a proper understanding of how financial coaching can change your life. 

Listen to this episode as Ellie answers questions about her experience…

[00:02:48] When you were thinking about one-on-one coaching, what did you know that you wanted or needed from this experience?

[00:07:15] What is your experience like spending money since we’ve been working together?

[00:32:40]  How are you feeling about [the potential of] getting back into debt after you have paid it off?

[00:33:30] What are the tools that you have now that you know will support you?

Tune in to this episode of Money Files as Ellie and I discuss her journey to financial freedom.

Get full show notes and the episode transcript: 

The beauty of working with a financial coach is creating a sustainable financial plan. Oftentimes my clients are worried that even though they’ve attempted to budget in the past their financial results have always felt temporary.  They pay off their credit card but then they have a $5,000 balance  before the year is over or they finally start saving money but then they have to constantly dip into savings to cover unplanned expenses.  

On today’s episode, I’m resharing one of my favorite episodes with my client Marie.  Before working with me Marie wrote out her bills from the first of the month to the end of the month as a way to keep track of her spending.  Whatever money she had leftover after the bills were paid she viewed it as extra money. 

You’ll hear us discuss how learning to give every dollar a name helped her reframe how she thought about the money in her account and how she thought about money on payday.  If you find yourself living paycheck to paycheck or maybe you too have a list of bills as a budget you’ll want to tune into today’s episode. 

So listen as she shares her experience working with me as her financial coach and how her life has changed since finishing the program. 

In this episode, I ask Marie…

[00:04:15] How did you manage your finances prior to working with me?

[00:08:35] What has been easier than you expected and what’s been a bit more challenging than you expected?

[00:14:58] What has budgeting freed up for you? 

Tune in to this episode of Money Files as Marie shares how working with a financial coach has impacted her perspective on money.

Get full show notes and the episode transcript: 

On today’s episode, I sit down with my friend and colleague Shamika Marie Hill. We discuss hot topics around career development, salary negotiation, and interviewing for women. As a career development coach, Shamika offers advice on pushing your career to the next level through a shift in mindset around earning money. 

Over 75% of the women Shamika works with are underpaid. Similarly, so many of my clients are afraid to counter salary offers or ask for a raise. It is a consequence of our society (and the patriarchy) that women feel that they should be grateful or thankful for the opportunity to make six figures. This needs to change. We need to shift our mindset as women to earn the money that is equivalent to our skills, education, experience, and value.

If you are ready to realize your true earning potential, this episode is for you. Grab a notebook and a pen because you will want to take notes! Shamika gives actionable advice on how to interview, negotiate offers, and how to shift your mindset to be the best advocate for YOU. 

Listen to this episode to hear Shamika answer…

[00:30:30] What is one mindset shift all women need to make to become a six-figure or even multiple six-figure earners?

[00:33:40] What are four tips you have for women when negotiating their next offer?

Tune in to this episode of Money Files as Shamika and I discuss the crucial mindset shifts women need to make to get the salaries they deserve.

Get full show notes and the episode transcript: 

On today’s episode, I discuss the idea of financial maintenance. As a coach, I am here to help you get results, maintain results, and move forward to bigger goals. So let’s talk about what happens when you are no longer worried about saving money or paying off debt. 

So what is financial maintenance? You are maintaining when your money systems are working effortlessly. You have a functional budget, you know your numbers, and you are consistently hitting granular goals like saving and paying down credit cards. Now you can shift focus to broader financial goals. You are in a place where debt is no longer the sole focus because you are maintaining a money plan that addresses those issues. 

However, when we reach financial maintenance a new fear creeps in. It’s normal to go off track a little. But restarting the process of managing finances is easier every time you do it. Now you have financial tools that will help you build a recovery plan and move forward. 

So I really want you to think about this idea of financial maintenance. You’re not always going to be worried about saving money and paying off debt. When you’re in maintenance you get to experience the next version of yourself. So in this episode, I challenge you to identify who you are on the other side of saving money or paying off debt. Because where you are now is not where you will always be.  

While listening to this episode, start thinking about the answers to these questions…

[00:26:17] What financial tools am I starting with?

[00:27:25] What do you want to dial in and what do you want to leverage? I want you to answer the question - why is this important? Why is it important that you dial this spending in? What is the bigger win that you have planned for yourself?

Tune in to this episode of Money Files as I discuss reaching financial maintenance and what to do next.

Get full show notes and the episode transcript: 

In today’s episode, I demystify earning $100K. There is a lot of buzz around earning $100,000 right now. But depending on where you live, your season in life, and your lifestyle goals, that salary milestone won’t stretch as far as you think.

The best emotion you can bring to your finances and around money is curiosity. So often, my clients come to me with goals and financial principles based on what they’ve heard from friends, family, or social media. To overcome financial overwhelm and achieve worry-free spending, it is important to understand the role of a dollar in your life.

Once you understand why you want to make more money, it becomes easier to create a budget and salary goal. So as a coach, I want you to think about what making $100K means for you and how that will really impact your life. I encourage you to get curious about the role money has in your life now, and how you want it to align with your values in the future. For many people, this analysis means shifting their goal salary from $100,000 to $200,000 or even $250,000. 

Are you ready to dive deep and discover the role of a dollar in your life? Let’s get started.  

While listening to this episode, start thinking about the answers to these questions…

[00:04:58] How does money help me in my life? What can I do with $100K?

[11:07] Think about earning $100,000. What other things might I need to consider?  Am I in a high-cost-of-living area? What other changes are happening in my life in the next year? Are there any financial goals that I’ve been saying that I want to accomplish?

Tune in to this episode of Money Files as I demystify earning $100k.

Get full show notes and the episode transcript: 

In today’s episode, I discuss common things I see as a coach that keep my clients stuck in basic budgeting. Too many people think of budgeting as paying bills. This mindset paints an incomplete picture of spending habits. It won’t get you out of a paycheck-to-paycheck cycle. My goal as a coach is to bridge the budgeting gap between paying bills and how you want to spend your money.

I encourage you to track your spending this week and identify what you spend money on that isn’t part of your budget. But track to learn, not to punish. A great budget isn’t about restriction, it’s about knowing your numbers, understanding your spending habits, and identifying what you want to spend money on. 

Building a budget with a financial coach (me!) is a journey we take together. My overall goal is to be able to create a plan that allows you to do what you love and spend money in ways that align with your values. So if you are ready to start on the path to living a life of drama-free spending, I am ready to help.

I hope this episode encourages you to shift your mindset about budgeting in a positive way because…

[00:10:44] When you understand your relationship with your money on a deeper level, you’re going to feel more confident with how you’re spending your money. You’re going to talk to yourself differently about how you want to spend money.

Tune in to this episode of Money Files as I cover common things that keep my clients stuck in basic budgets.

Get full show notes and the episode transcript: 

In this episode, I sit down with certified financial planner Ariel Ward. As a personal financial strategist and advisor, I ask Ariel the most common questions my clients have about retirement. Our discussion aims to answer the question, "Is retirement an age or a number?" We also debunk myths and propaganda that lead to feelings of overwhelm and confusion for women when planning for their future.

First, we start by addressing conflicting information about retirement. How much money do you need? When should you start saving? What age should I retire? This revolving stream of questions and misguided pressure to achieve arbitrary milestones puts unwarranted pressure on earners, especially high-achieving women who don't have the support of a trusted financial planner.

Wherever you are now is the perfect place to start learning and planning for your future. There is no cookie-cutter approach to retirement. Your age, current income, future earning potential, and lifestyle goals all affect when and how much money you need to retire comfortably. The best way to create an achievable and sustainable plan is to align your feelings about money with your values and aspirations. 

I hope this discussion eases worry and shame around retirement and that after listening, you feel more empowered to take control of your financial future.  

During this episode, Ariel and I answer key questions around retirement such as…

[00:09:43] Is retirement an age or is it a number?

[00:13:30] What should we be considering as we are earning more overtime and how that would impact our retirement number or our age?

[00:20:05] Can you retire on a million dollars?

[00:30:44] What would you say are steps someone could take to determine if they were on track for retirement?

Tune in to this episode of Money Files as we address common concerns and questions about retirement.

Get full show notes and the episode transcript: 

In this episode, I sit down with fellow money coach Leisse Wilcox to discuss the impact of patriarchy on our lives, beliefs, and money. Together we address how women can take action and break out of the box society pressures us to live within.

Leisse and I work with smart, powerful, and successful women who feel held back by a patriarchal society. To overcome inequalities in how women think about and earn money, we need to unpack the subconscious belief that women are meant to serve men. This ancient expectation is ingrained into the fiber of our DNA and unconsciously dictates our thoughts and actions. We need to reprogram our brains and critically view the messages we have received about women and money. 

Get inspired to take action by bridging the gap between self-worth and net worth. We hope our conversation encourages you to have more money talks with yourself, friends, and other professional women. While we can’t take down the patriarchy in a day, let’s continue to empower each other to invest in ourselves, be confident of our worth, and focus on expansion in every aspect of our lives. 

While listening to this episode, consider your thoughts as Leisse and I explore these questions…

[00:18:30] How does patriarchy impact women’s ability to earn money?

[00:40:00] What can you concretely do to move forward and have a better relationship with your money and be aware of the patriarchy and how it impacts you?

Tune in to this episode of Money Files and listen to two money coaches discuss how to take action against the patriarchy and how it affects our beliefs about money.

Get full show notes and the episode transcript: 

This episode is one of my favorites because I get to sit down and talk with one of my clients. Jenna first started her journey working with me as a coach in 2021. She joined my program when she realized her financial management style didn’t align with how she wanted to live her life. Now, two years later, she is a six-figure earner, a new condo owner, and feels empowered to make good choices with her finances.

I chose Jenna for this client spotlight episode because her experiences relate to women who feel stuck in their finances. Before working with me, Jenna worked five jobs, struggled with credit card debt, and had an inherent belief that she was bad with money. As a result, she felt stuck and didn’t know how to regain control of her finances. Since starting her journey, Jenna has shifted her mindset about herself and her money after learning to budget without restriction.

So listen in as Jenna shares what inspired her to choose me as her money coach and how a shift in her financial mindset has positively impacted her life. I love sharing my clients’ wins with you and hope this candid conversation with Jenna inspires you to take control of your money and make the shift toward a healthier financial mindset. 

While listening to this episode, take inspiration from Jenna’s journey…

[00:05:18] I found that working with you is not just about money. It is extremely therapeutic because I think what you unlocked in me and what you made me realize is I always have a choice.

[00:11:21] I’m making close to $15,000 now. If I had not worked with you there would be no change to how I spend money, because my mindset was not in a healthy spot for myself.

Tune in to this episode of Money Files and get inspired by my client’s experience with money coaching and how the decision to work with me shifted her mindset and empowered her to reach her goals.

Get full show notes and the episode transcript: 

As a coach, I love presenting new thoughts and ideas about money to my clients. In this episode, I am joined by a friend and fellow money coach, Jess. Jess helps business owners manage their time and money. Together, we share our personal journeys that led us to become money coaches and our motivations to help women gain control of their finances.

In addition, Jess and I compare notes on common challenges our clients face when overcoming shame about money. We discuss why people hesitate to ask for help from a coach and advise on habits to build wealth now. We know that it can be scary and intimidating to enlist help with your finances. As coaches, we help release shame and worry around money conversations by looking at and understanding your numbers. Remember, no matter how much you make, a healthy financial mindset starts by learning what your money does for you.

Tune in and listen to us discuss money as coaches. I hope you gain insight into how to talk about money differently and get answers to questions about coaching that may have been holding you back from starting the process.

While listening to this episode, consider these questions…

[00:11:00] There is no guidebook to personal finances so wherever you’re starting and whatever questions you have, or haven’t asked yourself don’t use it against yourself. Start where you’re at and then start asking yourself those questions now.

[00:13:25] What are those personal finance things that people should be considering and thinking about when they’re just trying to make decisions for their basic lives if they want to grow their income or their wealth.

[00:16:45] The questions to be asking yourself are - What is my money going to do for me and can it currently? What is the next best thing that I need to learn about my finances or that I want to do this month?

Tune in to this episode of Money Files and listen to two money coaches discuss how to overcome fear and shame about money.

Get full show notes and the episode transcript:

In this episode of Money Files, I am talking about balance transfers. Debt can be scary and overwhelming. Frequently, debt is holding my clients back from doing something they really want to do. As a coach, my job is to help them overcome the fear and shame around debt and introduce a financial plan  that helps my client pay down debt or get out of feeling like they’re in the paycheck to paycheck cycle.

Tune in to hear my recommendations about when it is advantageous to leverage a balance transfer. I also explain the steps you need to take to use a balance transfer as a tool to  pay off debt successfully.

The key to financial success is creating a plan you can stick to and feel good about maintaining. The end goal is to make your money work for you by freeing up cash flow so you can spend on things that really matter to you.

So before committing to a balance transfer, listen to this episode and consider…

[00:06:28] When should  I consider using a balance transfer to help me be able to pay off debt and be able to free that money up in my cash flow so that way I can be using this money towards something else.

[00:13:12]The real cause of your debt. I need you to be honest with yourself and ask yourself “why am I in debt?”

[00:14:10] It’s not enough for you to know the amount of money you want to pay down towards your credit card. The secret for not having to be in this cycle is to prepare for the things in your life that go outside of bills.

Tune in to this episode of Money Files to learn how to leverage a balance transfer to pay off debt sooner and without shame.

Get full show notes and the episode transcript:

In this episode, I discuss the magic of my five-month coaching container. The most valuable part of my coaching program is that we get to do life together. As your coach, I am more than just an app or an envelope system. I will spend those five months engaged and learning about who you are, your values, and your feelings about money. I acknowledge that finances are super personal, and talking about money can bring out feelings of vulnerability. As your coach, I am by your side to dive deep into those feelings of fear or shame. The five-month coaching session is more than just learning how to manage money; it's also learning how to manage your emotions and build financial confidence.

You are uniquely you, so while every container starts with a three-step plan and 30-day projection, all of the goals we work towards are based on what you want and your beliefs about money. The five-month container aims to help you understand your numbers by building financial awareness. We work on managing your money beyond the balance in your bank account so that you can feel confident making decisions about your finances.

I am so proud to coach my clients. Our relationship is far beyond a static spreadsheet. I am here to empower you to confidently manage your finances and make decisions about money that you feel good about.

While listening to this episode, I go over key components of my five-month coaching container including…

[00:12:04] You are going to believe in your ability to manage your finances and that is the fundamental thing that I love to see built within all of my clients.

[00:13:04] In the first 30 days what we are focused on is getting to know your numbers

[00:17:57] Then we have four months to do life together. In the months that come after that first month, you’re learning how to not just manage your money from the balance in your bank account.

Tune in to this episode of Money Files to learn how my five-month coaching container will help you build financial awareness and confidently take control of managing your money.

Get full show notes and the episode transcript:

In this episode of Money Files, I am talking about underearning. After talking to my friends and clients, I confirmed that too many women accept being underpaid. The idea that it is okay to accept less money until you prove yourself is fundamentally flawed. It is rooted in the belief that you are less than.

You are worth a higher salary. You can achieve bigger revenue numbers in your business. I believe in you and I empower you to believe in yourself. You deserve to make more money. Don’t feel guilty or greedy or feel like you owe your employer for investing in you. Your value and what you bring to the table every day is worthy of that higher check.

So I encourage you to step back and assess your current financial situation. Consider what you would do with more money. Push away any negative thoughts - those are just holding you back. Instead, focus on the positive because those thoughts will empower you to succeed.

While listening to this episode, consider these statements and how they relate to your feelings about money…

[00:04:18] Wherever you are - if you are a business owner or if you work a 9-to-5 role, I need you to ask yourself the question, What would happen if I made more?

[00:05:15] I need you to ask yourself what would happen if I made more. And that leads me to wanting you to really define the purpose of money in your life. But then also think about what comes up for you as you think about making more money.

Tune in to this episode of Money Files to understand why It’s Not About Proving Yourself To Make More Money.

Get full show notes and the episode transcript:

In this episode of Money Files, I am talking about debt. So many of my clients come to me feeling overwhelmed about the amount of debt they have accumulated. It’s time to learn how to be intentional with your debt and move through your shame or fear about owing money. I want you to have a healthy relationship with debt and be able to assess your debt without judgment.

While listening to this episode, I challenge you to consider who taught you about debt. Your first understanding of debt shaped how you perceive owing money now. Therefore, it is essential to understand when your feelings about debt started so you can move past the shame and create an effective money plan for the future.

Next, I want you to think about what you were able to buy with your debt. You will be surprised to realize that most of your debt was accumulated in investments like buying your home, healthcare procedures, or education. Learning what you are willing to spend money on and go into debt will empower you to make smart financial decisions in the future.

While listening to this episode, think about your answers to these questions…

[00:01:45] Who taught me about debt?

[00:02:57] What beliefs do I hold about debt? What am I willing to go into debt for? What am I not willing to go into debt for?

[00:04:00] What do I make debt mean about my success?

[00:08:00] What has your debt afforded you?

Tune in to this episode of Money Files to learn how to be intentional with your debt and move through the shame or fear you have about owing money.

Get full show notes and the episode transcript:

Money circumstances can happen at any time. Things like overdraft fees, missed payments, or unexpected credit card bills can be money triggers. At lower salary levels, these circumstances are normalized, but as you grow your income, it is scary to experience something that feels like a step backward in your money journey.

I want you to feel empowered to handle money triggers in both your business and personal finances. In this episode, I am equipping you with tools so that you know what to do when you get a big credit card statement or have a bad month in your business. Fear is paralyzing and it keeps you from making changes and continuing with your financial plan. I will help you manage self-talk to overcome self-doubt and money insecurities.

My goal is to help you experience money differently and become confident enough in your ability to manage money so that triggers don’t bother you anymore. I encourage you to look at your spending without judgment and logically analyze how you got to the place you are in with money. These tools will support your future self in achieving stability and confidence with your finances.

In this episode, answer these questions…

[00:12:32] What are my money triggers? What are the things that make you feel insecure when it comes to your finances?

[00:13:15] How do I want to handle my money triggers? What is going to be your first response?

[00:13:36] How will you manage yourself when you experience a trigger?

Tune in to this episode of Money Files to move through shame and fear caused by money triggers and create a plan that confidently manages your finances.

Get full show notes and the episode transcript:

In this episode of Money Files, I sit down with my mom to talk about how her early experiences with money shaped how she taught my siblings and me about finances. My Mom got her first job very young and used her paycheck to save for new school clothes. Her commitment to saving has remained constant throughout her life.

We also discuss how my journey with money began. I remember always hearing the word “budget” at home. When I got my first babysitting job, I worked hard to grow my young business and save. The foundational principle of putting money aside for a rainy day led me to get my first bank account and start making my own purchases. As I talk with my Mom, it becomes evident that my parent’s dedication to saving influenced my financial choices from a young age.

Finally, my Mom and I touch on the intentional sacrifices my parents made to support my siblings and me. I ask how they decided what to spend money on and how those spending boundaries were formed. Learning about the similarities between my mother’s relationship with money and mine is interesting.

I hope you enjoy our banter as my mother and I reminisce about my childhood and our money memories. I also encourage you to have a discussion with whoever your biggest financial influence was as a child to see how those early conversations have shaped your feelings about money.

In this episode, I speak to my mother about…

[01:42:00] What was your experience growing up with money?

[00:04:07] Is (the importance of saving) what you took away from the lessons learned as a child when it came to managing money? How did that shape how you handled money as an adult?

[00:07:29] You and daddy got married in 1975. What conversations did you guys have about how you wanted to manage money?

Tune in to this episode of Money Files as I sit down with my Mom to talk about how her early experiences with money shaped how she taught my siblings and me about finances.

Get full show notes and the episode transcript:

In this episode of Money Files, I am starting the conversation about retirement. There is so much embarrassment around learning how to save for the future. Many of my clients think 401(k)s and IRAs are something they should just magically understand, despite never learning about saving for retirement from their parents or teachers. They are embarrassed to ask questions and admit they don’t know if they are doing the right things to prepare.

I am here to give you permission to stop feeling guilty or embarrassed about where you are right now with saving for retirement. 401(k)s and IRAs are relatively new entities and they aren’t something we were educated on. Saving for retirement is not done in the same way as when our parents were working. Their jobs provided pension plans or company stock options. Saving for retirement wasn’t a common practice.

I want to erase the stigma or shame around retirement knowledge. I encourage you to find a financial advisor or certified financial planner and ask questions. It is okay to not know the ins and outs of 401(k)s and IRAS. Write down a list of questions and allow yourself to be honest with your feelings about retirement. It is important that you feel comfortable with your financial plan for the future. I assure you that wherever you are now is a buildable starting point to reach your goals.

If you are someone who feels guilty or embarrassed about saving for retirement I want you to listen to this podcast and remember…

[00:09:34] The 401(k) is a relatively new tool

[00:18:58] Enlist financial support from someone who is willing to educate you as you ask questions

[00:19:52] You don’t know what you don’t know when it comes to thinking about 401(k)s or 403Bs

Tune in to this episode of Money Files as I start a conversation on retirement and invite you to give yourself permission to stop feeling guilty or embarrassed about where you are right now with saving for retirement and start educating yourself so that you can establish the desired financial plan for your future.

Get full show notes and the episode transcript:

In this episode of Money Files, I share more about my background and what inspired me to not only start my business but to continue to build wealth throughout my life. I am a first-generation college graduate. My parents supported and blessed me with the opportunity to follow my educational and career dreams. At a young age, I recognized I did not want money to be an obstacle in my life.

A friend of mine recently asked, “Why do you want to be rich?” For me, that answer lies within my values of community and family. My purpose in building wealth and in building my business is to create bigger and better opportunities for future generations. My vision with my money is to use it to create change. I want to develop generational wealth and influence so that my nieces and nephews have a better starting spot in their adult lives than I did. I am passionate about education and helping underserved communities. Whether this passion evolves into a nonprofit or building an organization, I just know that the core reason I want to be rich is to help others and help my community.

Money is an excellent resource. But the vision behind wealth is just as important as the money itself. I hope that hearing about my life experiences and my goals inspires you to step out of the place you are in now. I challenge you to dream and shift your perspective.  Working with a coach is a great first step to getting on the path to obtaining that dream. While you listen to this episode, I want you to think about your own values and why being rich is important to you. Get inspired and start the work towards building your future and dreaming bigger.

In this episode I challenge you…

[00:18:56] I just want you to sit with that question: why do you want to be rich? Why do you want to be wealthy? And get clear on that picture for yourself.

[00:24:23]  I want you to choose something this week that scares you. I need you to do it.

Tune in to this episode of Money Files to hear a bit about my money story and my purpose for building wealth.

Get full show notes and the episode transcript:

One of the hardest things about running your own business is managing your personal paycheck. In this episode of Money Files, I discuss the three budgets every entrepreneur needs to set to create financial confidence. Having a multi-angled personal paycheck plan removes the stress from revenue fluctuations. Regardless of good or bad months, this plan will keep your mind focused on selling and growing instead of worrying about shifts in cash flow.

Personal and business finances are strongly connected when you own your own business. Knowing how much to pay yourself and when to write that personal check is easier than you think. I encourage you to look at your numbers and establish three budget angles: gold, silver, and bronze.

The silver budget represents what you currently pay yourself. This amount is the midpoint that the gold and bronze levels are based on. Think of the bronze budget as your bare minimum. This figure should cover how much money you need for the essentials. Comparatively, the gold budget is your dream income. That paycheck covers goals a level up from where you are now.

Establishing three budgets will give you confidence in your finances. Cash flow and paychecks fluctuate when you are your own boss. Some months you make record numbers, while the following months might only bring in half that amount of revenue. Entrepreneurs experience so much stress around worrying about financial unknowns. I will help you create a plan involving gold, silver, and bronze budgets. Together we will deep dive into your personal and business finances and put your money worries to rest.

While listening to this episode, I want to guide you in considering…

[00:07:11] What is the personal paycheck that I need? What do I need to make sure that I am able to pay for and then how does that inform my business goals?

[00:05:57] That your ability to make money decisions in your business is going to be grounded in you knowing your numbers. And the numbers I want to talk about today are actually going to be on your personal side.

Tune in to this episode of Money Files to learn the three budgets every entrepreneur needs to establish to create financial confidence.

Get full show notes and the episode transcript:

I don’t know about you, but I am tired of opening up my social media and being overwhelmed with posts about New Year's resolutions. It is great to set goals, but the pressure to establish an intention for 2023 seemed stronger than usual to me. It got me thinking about how you might be thinking about your finances this year and what those goals or intentions look like.

I often see clients bring a diet mentality to their budget goals. They force themselves to be super restrictive with their spending. While there are little wins here and there, no-spend challenges end in failure. It is not sustainable. I am here to tell you budgeting doesn’t have to be about restriction.

I can help you map out a plan that you will stick to long term. You can reach your money goals without missing out on things you enjoy doing like traveling and going out with friends. I encourage you to ask yourself how you really want to feel about your finances and what would make you feel confident when looking at your bank account.

I invite you to join me Wednesday, January 18 at 12:30 PM Eastern standard time for my money class called, ‘How to Budget Without Restriction.’ Registration is available on my website. Come learn with me and take control of your money and reach your goals. I am excited to support you in 2023 in creating a system that allows you to manage your finances drama free.

While listening to this episode, I want you to think about…

[00:11:10] What type of money system you desire to have that is in alignment with your lifestyle

[00:16:09] How do you desire to experience money, long-term and what feelings are you trying to generate?

Tune in to this episode of Money Files to learn how to budget without restriction.

Get full show notes and the episode transcript:

Today I sat down with my client, Lauren who just celebrated her 1 year anniversary of working with me. Just like you, Lauren struggled with wanting to pay off debt and wanting to spend money on things like travel or experiences. As much as she tried, even with a budget of her own, she was not able to pay off and stay out of debt.

Lauren made the decision to ask for financial help after listening to one of my clients share her story on the podcast. It was only fitting to have her journey come full circle and invite her on my podcast to share her financial accomplishments.

She started her journey with the goal to break out of her debt cycle and put aside money to do things that she loves. She wanted to spend money on travel without feeling guilty or adding to her debt. By setting money aside for a travel fund every month, she was able to pay down debt, establish a healthy emergency fund, and go on several trips this year. She reached all of her money goals without sacrificing fun or needing to earn additional income.

If you are like Lauren - if you know you are making more than enough money to support your goals, but still end up short at the end of the month, I can help you. Together we will align your spending and saving patterns with what matters most to you. I hope Lauren’s story inspires you to start on your own journey with me to reach financial freedom and happiness.

In this episode, Lauren will answer…

[00:01:43] What made her reach out for coaching?

[00:22:30] Outside of paying off debt and building up savings, what her desires are, and how her money funds those priorities?

[00:24:41] The results she is most proud of after applying what she has learned in coaching.

Get full show notes and the episode transcript:

If you are someone who wants to make a change in your finances as a goal for the New Year but are unsure where to start, I want to show you that your goals are possible. I am sharing a recent client panel from my most recent webinar of women who started their financial coaching journey with me in the last two years. Before working with me, they were experiencing the same fear and hesitation around managing money that you are right now.

These women all started with me unsure of whether or not they could be helped. They went from being stressed and ashamed of their financial situations to confidently saving and reaching financial goals like home ownership, starting a business, and paying off credit card debt.

If you are on the fence about asking for help with your finances, listen to their experiences. You will certainly borrow inspiration from my client’s stories. Just like you, they started their coaching journeys unsure of what the outcome would be. How was coaching going to be different than any other way they have tried before? Now, they are empowered to take control of their futures and confident about their financial security.

I hope their stories give you the confidence to make a decision about working with me in  2023 even if you don’t feel ready. You can change how you relate to money and make a path forward to achieving money wins.

In this episode, you’ll hear thoughts from the client panel on…

[00:3:07] How you can shift your thoughts and feelings about finances

[00:6:07] How coaching is different than any other system that you’ve tried before

[00:10:12] Money shifts that you can experience

[00:31:52] The results that are possible when you move towards achieving your money goals

[00:19:21] What else can be uncovered because you engaged in this work

Get full show notes and the episode transcript:

One of the common financial challenges I see with six-figure and high-income earners is that they outsource their financial awareness to the amount of money they make.

If you’re making more than you’ve ever made before and you still wonder if you’re doing the right thing with your money or you feel like you should have more to show - you’ve probably outsourced your financial awareness.

In this episode, you will learn why it’s important for you to create a financial system that allows you to spend money on travel while you also build towards your goal of creating a five or even six-figure savings account.

In this episode, you’ll learn:

[01:04] What is outsourcing your financial awareness

[03:32] The fear of financial restriction and how it can lead to stagnation

[05:40] How to take ownership of your finances to have more control and live the lifestyle that you desire

[10:32] How to shift from thinking like a struggling $30k earner to someone who makes six figures and is in control of their numbers

Tune in to this episode of Money Files to learn more about creating a money system that allows you to spend your money drama-free and craft the financial results you desire.

Get full show notes and the episode transcript:

wealthovernow.com/how-six-figure-owners-outsource-their-financial-awareness/

Links mentioned in this episode…

Proactive is the word I’d use to describe the client I’m chatting with this week. She dared to reach out to work with me even though she was in an okay place with her finances so she could move from good to great.

Nicole started working with me early last year after getting a lump sum of money from refinancing her condo. After talking to her financial advisor, she quickly realized she needed a coach to help her make decisions and work with her on her money mindset. She wanted to understand how she could reframe her spending habits to get what she wanted out of her finances.

In today’s episode, you’ll hear Nicole share the significant shifts she has made since working with me.

In this episode, you’ll learn —

[01:19] What motivated Nicole’s initial contact and the financial hurdles that made her reach out and work with me

[09:02] How our coaching partnership has shifted Nicole’s mindset, financial control, and ownership in her business

[24:37] How to create the freedom to do what you enjoy without worrying about money.

[27:17] How Nicole feels after investing in herself to the level she is now and why it’s priceless

[30:11] Setbacks that Nicole has been able to navigate after working with me and the lessons she has learned

[34:56] Nicole’s biggest takeaway for someone who wants to move from good to great

Tune in to this episode of Money Files to learn more about Nicole’s story, how you can reframe your mindset and make shifts in your personal and business finances.

Get full show notes and the episode transcript:

If you are in a 9-5 job and in a position where you want to create your transition plan to work for yourself, you’re not alone. It’s been almost two years since I left my job to work full-time in my business. When I first started working for myself I used my savings and contract work to manage my expenses but went back to full-time employment to rebuild my savings. I learned a lot and today I want to share my personal story of transitioning from a 9-5 to working for myself full-time.

Building your business and creating a financial safety net to quit your job is all about creating an exit plan.

If you’re looking to create your own financial exit plan this episode is for you.

In this episode, you’ll learn…

[00:36] How working and building your business at the same time can help you plan your exit strategy and how I did it

[04:10] Six steps to help you prepare to leave your job and go full-time into your business and how they worked for me

[06:26] 1. Separate your personal and business finances to prepare yourself for effective decision-making and financial success

[07:42] 2. Prepare your business finances by creating your budget and breaking it down

[09:25] 3. Determine what your ideal financial safety net looks like that will help you feel safe to leave your job

[10:30] 4. Know your numbers and how much you will pay for hidden numbers, such as taxes, PTO, and healthcare, and incorporate them into your business budget.

[15:19] 5. Determine your paycheck and the scale to use as you move from bronze, silver, to gold budget in your business.

[17:29] 6. Be clear on your income goal; If your income goal is $100,000, determine what your income will allow you to do and how much you need to make in a month.

Tune in to this episode of Money Files to learn more about the six steps and how you can implement them to create financial safety to leave your job and make a smooth transition.

Get full show notes and the episode transcript:

One of the common challenges I see as my clients make more money is an unintentional shift in focusing on their numbers.  

Most of my clients would tell you they had a budget when they were making less money - because they felt like they needed to budget.  But now that they’re making six figures or even multiple six figures they no longer feel the need to budget.

This is simply because their thoughts about money and the need to budget has changed.  There is an underlying belief that budgeting is only for managing money that can barely meet your needs. Instead of thinking about budgeting as a tool to create a life you love.

In today’s episode, I want to invite you to shift your relationship with your finances by teaching you a simple financial decision-making protocol that you can use at any income level.

This protocol will shift your beliefs about spending money in a way that will allow you to feel in control of your finances.

In this episode, you’ll learn:

[00:01:24] How lifestyle creep leads to a sense of entitlement and you feel entitled to unintentionally spend money that you have.

[00:02:13] The importance of creating a healthy financial decision-making protocol for yourself.

[00:05:19] The benefits of building an awareness of how you spend money.

[00:18:18] Why you should plan in advance on what you want to be able to say yes to.

Tune in to this episode of Money Files to learn how to create a healthy financial decision-making protocol for yourself.

Get full show notes and the episode transcript:

Do your financial dreams go beyond improving your credit score or paying off debt?

One of the common challenges I see as a coach is that people do not allow themselves to have financial dreams outside of common financial advice like saving more money, improving their credit score, or paying off debt.

When I think about my own financial dreams, even while I was in the midst of paying off my student loans and saving $50 per month, my dreams were big. I was outlining the next version of my life because while I was aware of the goal to pay down debt and save more, I also knew those challenges weren’t always going to be there.

In today’s episode, I want to give you permission to dream.  What do you want life to look like after you’ve saved six months of expenses or after you’ve paid off all of your debt? Think about the things that you want to be able to say yes to, write them down and allow your brain to explore life after you reach your goals. Giving yourself permission to dream will allow you to attach a purpose for the money in your life and your brain will problem solve to accomplish your current goals while also building your capacity to dream bigger.

In this episode, you’ll learn:

[00:00:54] Why giving yourself permission to dream is important

[00:02:40] How your dreams are incorporated in my coaching partnership

[00:04:08] Selling yourself on the life that you desire to build

[00:12:20] Using financial visioning to help you dream bigger

[00:13:56] Ideas for your dream list

[00:15:01] Establishing your goals in four areas of your life- Six Months From Now, One year From Now, Five years from now, 80 years from now

Tune in to this episode of Money Files to learn the importance of giving yourself permission to dream big in order to create the life you desire.

Get full show notes and the episode transcript:

I’ve worked with over 100 people since I started my coaching business and one thing connects them all, they’re worried about what they will lose if they commit to knowing their numbers. And you might find yourself thinking in a similar way, it’s normal.

But it’s important to understand that prioritizing your finances is the equivalent of you choosing to put your oxygen mask on first. And when you choose to put your oxygen mask on first, you have the ability to be present in every other area of your life.

And a simple shift of being financially present will allow you to see what opportunities you can choose to say yes to with more ease and confidence.

In this episode, you’ll learn:

[00:02:37] Why your financial fear is leading to avoidance

[00:12:31] Accepting failure as part of your financial journey

[00:13:32] Avoiding your finances is going to keep you creating the same results that you have right now

[00:18:13] The importance of practicing financial gratitude

[00:25:24] Investigate, what opportunities are you not saying yes to because you don't know your numbers

Tune in to this episode of Money Files to learn the importance of knowing your numbers so you can say yes to more opportunities.

Get full show notes and the episode transcript:

It’s that time of year again: open enrollment season, a time of year that people largely forget about. Maybe you just picked the first health plan you saw when you started a new job, without considering your individual health needs, or you set up the 401k contributions based only on your employer’s match program.

If you’ve never reviewed your plans or contributions since then, you’re probably leaving money on the table – money that could be getting you closer to your financial goals. Reevaluating your flexible spending, retirement, and health plans each year and making adjustments as your needs change will help you align your contributions with your long-term financial plans.

In today’s episode, I’m talking about why you need to take advantage of the end-of-year open enrollment season, by reviewing your health coverage, asking questions, using trial and error, and planning out your contributions. I’ll also walk you through the different types of programs that might be available to you and how they can work together so you can make sure that your money and your benefits are in alignment with your financial goals.

In this episode, you’ll learn…

[01:22] Why you need to reevaluate your plans and contributions during open enrollment season and ways to ensure that the coverage you have aligns with your health needs

[08:21] How paying attention to your bills and asking questions about your coverage can help you save money

[14:07] The importance of finding out if your FSA money rolls over to the next year and monitoring how much you spend so you know how much to contribute

[17:12] What’s different about an HSA and how to determine which plan makes the most sense for you

[20:46] Why asking more questions before getting a procedure can benefit your health and your finances

[21:29] How planning regular increases in your 401k contributions will benefit your long-term financial health

Tune in to this episode of Money Files for tips on how to approach open enrollment season and making the most of your benefit plans and financial contributions.

Get full show notes and the episode transcript:

If you’re a type-A person like me, you probably grew up in an environment where you were praised for the ability to do things on your own instead of constantly asking for help. For me, the belief that I should be able to figure everything out by myself served me well… until it didn’t and started hindering my personal growth.

These last few weeks, I’ve been exploring what it means to embrace feelings of vulnerability and fear to move out of my comfort zone and reach out for support. Because to say yes to myself and to become the best version of me, I have to let go of the shame and other negative emotions that tell me I should do everything by myself and build that habit to ask for the help that I need.

If this resonates with you, especially when it comes to asking for help with your finances, just know that I understand the journey, and I’m here to support you with grace and compassion. On the other side of these negative emotions is a transformation that can change your life for the better.

In this episode, you’ll learn…

[03:33] How emotions can hold you back when you don’t allow yourself to process them

[07:08] Why it’s necessary to embrace vulnerability and ask for help to become the best version of yourself in your personal life and your finances

[09:53] Why I get so excited to offer help and support my clients as they shift the way they think about money

[12:05] How sharing our struggles and asking for help builds that habit and allows us to reach out more consistently

Tune in to this episode of Money Files to move through shame and fear and start asking for the help you need.

Get full show notes and the episode transcript:

Are you in a position where you know you need to make a change, but are too stuck in old beliefs and fears around money to ask for help?

That was the story for my client Karen, until she made the brave decision to reach out and ask me for help. Karen first started working with me at the beginning of the pandemic after going through bankruptcy.  Today, I’m catching up with her after almost two years since we started working together.

In this episode, Karen reflects on the changes financial coaching brought into her life, like being able to pay for car repairs without an anxiety attack, how she does weekly money dates and continues to personalize the tools I developed for her to fit her changing life, and how the support she received during financial coaching allowed her to rein in her emotional spending and rebuild her trust in herself.

Toward the end of our chat, Karen shares how she recently found her one-year plan that she made with me and how she was surprised to discover that she had met every single goal that she had set for herself, from living on her own to moving to a new state. 

Financial coaching completely changed Karen’s life, not only by teaching her how to set goals, but by giving her the skills and the confidence that have empowered her to reach those goals. Her biggest piece of advice to others is to take the leap today, right now, if you’re ready to make a change in the way you manage your finances and your life as well.

In this episode, you’ll learn…

[02:47] What made Karen decide to finally make the leap to start working with me and her feelings about having someone in her corner on her financial journey

[10:04] How Karen has kept up with her budget and stayed in control of her finances

[17:44] How Karen continues to use the skills she learned during our coaching partnership to address her financial triggers

[25:01] Why Karen, who is usually non-confrontational, likes to negotiate now and how she prepares for expected and unexpected expenses

[32:52] How Karen learned to trust herself again and develop confidence through managing her money

Tune in to this episode of Money Files to hear how my financial coaching partnership changed Karen’s life.

Get full show notes and the episode transcript:

Are you a person in position to price your own work by doing 1099 work on the side or even as a full-time solopreneur? Are you undercharging and having difficulty making the amount of money that you need to make your business sustainable and your life less anxious?

To charge the amount you need for business and financial success, you need to examine how you think about your services and start charging based on the value you provide, not necessarily for “accessibility” or “affordability” (because those are going to change based on each individual’s values anyway.)

In today’s episode, I’m going to help you evaluate your mindset around your pricing system, whether you’re about to start charging for your services, you’ve already started a side-business and need to make sure you’re actually getting a worthwhile return on investment for your time, or you’re a full-time solopreneur trying to make sure that your prices can sustain the life you want to live.

Taking the time to evaluate your mindset around your prices, understand why you price your services the way you do, and adjust your prices based on your lifestyle and financial goals will allow you to have more control over your finances and more choices for how you spend your hard-earned time and money.

In this episode, you’ll learn…

[04:27] Keina’s experience of pricing for “accessibility” instead of value and how it wasn’t sustainable for her business and the life she wanted to lead

[07:40] How Keina thinks about the value she provides her clients (and the $2 million she’s helped them collectively save) and why it’s given her so much confidence in her pricing

[14:26] The questions you need to ask yourself before you decide to start charging for your services so you can show up fully for yourself and your clients

[19:07] How to evaluate your prices if you’re already charging for services so you can make sure your ROI is worth it

[28:02] How planning backwards from the amount of money you’d like to make and how you’d like to make that money will help to clarify how much your need to charge for your services

Tune in to this episode of Money Files to examine your mindset around pricing and start charging for your services in a way that serves you AND your clients.

Get full show notes and the episode transcript:

Do you find yourself paying off debt each month, only to find yourself surprised by an even higher credit card bill a month or two later?

If you want to break the cycle of debt, it starts with understanding how money is moving in and out of your life. If you don’t think about your money until it starts to cause you pain, you end up spending and “figuring it out later”, often resorting to using your tax refund or holiday bonus to pay off debt. Discovering the habits keeping you in debt and then creating a plan to mindfully choose what you do — or don’t — want to use debt for, will help you break your debt cycle permanently.

In today’s episode, I’m talking about five things that might be keeping you in a debt cycle, how to pull yourself out of that cycle by examining your emotions and motivations, and the importance of setting boundaries and intentions around credit card usage so that you can finally move out of debt and into a more thoughtful, mature way of handling your finances.

When you understand the role that money plays in your life, when you have awareness of how you’re spending, and intention around how you want to spend, you can build long-term money habits that will help you stay out of debt. If you’re ready to commit to becoming a person who mindfully manages their finances, tune in to this episode!

In this episode, you’ll learn…

[02:27] How making a commitment to yourself helps you break free from debt and build long-term skills for managing your money

[12:14] How to break the debt cycle by examining your money habits

[14:23] What you can do to address impulsive spending that’s tied to your emotions

[17:51] Common reasons you’re in credit card debt and how to tackle them

[25:09] How understanding the way you use debt allows you to make more thoughtful, long-term decisions

[26:49] How setting intention and purpose for your credit card usage helps you stay out of debt

Tune in to this episode of Money Files for tips on getting out of debt, improving your relationship with debt, and building solid money management habits.

Get full show notes and the episode transcript:

The very first time I met Eniola, I asked her how much she paid for her house. Although she was a little surprised by the question, she graciously answered me, and we were able to have a conversation about real estate costs and options in our area.

While social conventions sometimes discourage this kind of discussion, I’ve found that casual chats about money between friends allow us to share financial information and experiences that give each of us more clarity and power as we navigate our own financial circumstances, like negotiating an interest rate or asking for a salary increase.

In today’s episode, Eniola and I reflect on our first conversation which gave Eniola insight on housing prices in our area and the discussion that helped Eniola to negotiate a higher salary at her new job, as well as a more recent chat we had that convinced Eniola to raise her consultation rate.

If you want to make the financial decisions that are the most beneficial to you, then information is power. My conversation with Eniola today will convince you that having money conversations and exchanging financial knowledge with those around you will empower you to take control of your financial life and achieve the results you desire.

In this episode, you’ll learn…

[08:23] How open conversations about money allow us to make better informed decisions, especially around housing costs and financing options

[15:35] How discussing salary negotiations with a friend helped Eniola get substantial salary increase as she started a new job

[29:42] Why who you choose to discuss money with can change depending on your season of life

[34:34] How asking your friends and colleagues “What don’t I know?” can lead to new financial insights, like career development opportunities

[38:32] How asking questions allows you to discover new financial opportunities, like uncovering pay scales or per diem resources from your employer

Tune in to this episode of Money Files to hear my friend Eniola and I chat about honest money conversations and how they’ve improved our financial lives.

Get full show notes and the episode transcript:

Have you ever taken the time to think about your relationship with debt? Many of my clients come to me with student loan debt, personal loans, or credit card debt.

Their thoughts are consumed with trying to figure out how to manage paying off their debt while also working towards other goals like buying a home, building an emergency fund, or having extra money to do things they enjoy like traveling or enjoying a spa day.

In today’s episode I help you reframe your relationship with debt so you can then decide how you want to approach paying down debt in your own life.

This episode will help you discover the root cause of your debt, engage you in a flexible plan to help you pay down your debt, and identify ways to ease the financial burden so you can pay off your debt sooner.

In this episode, you’ll learn…

[01:14] The debt brain-dump and how it can help you sort out your feelings around your debt

[04:43] How the financial awareness you gain from a debt brain dump allows you to make adjustments in the way you handle your money

[07:30] Why examining your motivations will help you choose a debt payoff strategy that works best for your unique situation

[12:03] Why you shouldn’t turn to balance transfers until you understand why you’re in debt

[16:49] How you can change debt payoff from feeling restrictive to expansive by looking for ways to make extra money and finding extra money in your budget

[24:52] Why changing your mindset and paying off your debt can open up opportunities you never thought possible

Tune in to this episode of Money Files to change your mindset around debt and pay it off for good.

Get full show notes and the episode transcript:

Are you trying to decide between saving money or paying down debt? Maybe you’re intimidated by trying to save a certain amount because you’ve never been “good” at saving money, or you’re tempted to pay off some of your big credit card balances or student loans with every spare dollar you have. But if you don’t have any savings for unexpected expenses, you’ll be stuck using credit cards and adding to your debt instead of paying it down.

Instead of trying to decide between paying off debt and saving, you can do both by asking yourself a different question: “How can I pay myself first?”

So many of my clients start out saving their leftover money after rent, utilities, and other expenses each month, but I want you to start paying yourself first by setting aside money each month for an emergency fund before you allocate your money anywhere else. Even if it’s just $25 a month, consistently saving any amount helps you build that muscle and lays the groundwork for you to save more over time.

In today’s episode, I’m going to help you rethink how to save money for yourself and reevaluate just how much money you need to save in an emergency fund for your specific circumstances (and it might differ from some of the classic advice you’ve heard before). This shift in your mindset will let you build confidence in the belief that you ARE someone who can save money, save consistently, and prioritize your own financial health. You’ll be able to plan how you save, find opportunities to boost your savings, and feel in control of your financial future.

In this episode, you’ll learn…

Tune in to this episode of Money Files to start building your emergency fund and prioritizing your financial health.

Get full show notes and the episode transcript:

Are you making “good money,” but still feel you can’t do what you want with your money without concern of “how am I going to pay for this?”  You might think making more money will solve your financial desire to travel more, pay off debt, or reach your next goal of buying a home. But you can’t out-earn your spending habits, so to create clarity with your finances you need to start giving every dollar a name.

In today’s episode, I’m going to walk you through my process of naming every dollar you earn so that you aren’t overworking your money. This process will help you take the shame out of your finances and help you to get to know your numbers so you can plan and spend with intention.

In this episode, you’ll learn...

Tune in to this episode of Money Files to learn how to give every dollar a name and start building the life you want.

I first shared Brent’s journey shortly after he finished working with me in my five month coaching partnership. In this conversation I caught up with Brent almost two years later and we’re pulling back the curtain to hear about his financial journey after working with me.

Before working with me Brent spent his mental energy either agonizing over his imperfect finances or avoiding them as much as possible. He was constantly worried about having enough and would use his credit card between paydays to sustain his lifestyle.

When we finished coaching together Brent was about to move into a new apartment, which meant he needed to shift his budget.  In fact, this past year has been one met with new financial experiences as Brent has navigated unexpected expenses, shifts in financial goals, and rising inflation. This last year of managing his finances on his own has helped Brent let go of perfectionism and embrace the shift in his money mindset.

In our conversation today, you’ll hear Brent share several powerful thoughts and questions he uses to embrace a healthy financial mindset.

Instead of old questions like “Will I have enough money for this?”, he learned to ask “Will this purchase align with how I want to use my money?” He gained confidence in his ability to adjust his budget in real time. Instead of beating himself up over a forgotten fee, now he just adds it into his budget for the next month and moves on.

Being able to trust in the financial management system he has now means that Brent has been able to invest that energy into other areas of his life. He’s been able to let go of worrying about getting his finances perfect, and uses money dates to check in periodically instead. Brent’s taken that extra time and energy to work on his fitness and health, hiring a personal trainer and setting aside money each month to cover that expense. He used the self-confidence he gained from feeling in control of his finances to negotiate a raise at his job. And Brent, who used to live paycheck-to-paycheck, now has both an emergency fund and enough savings built up to cover three months of utilities to be able to live on, giving him a sense of freedom and security he never thought possible before.

In this episode, you’ll learn...

Tune in to this episode of Money Files to hear all the details about Brent’s financial results almost two years after he started working with me.

You’re often told that you’re supposed to do life a certain way. Finish K-12, graduate with a college degree, then get a full-time job. We’re taught that life progresses in a linear fashion. But life isn’t always linear. And neither is your financial journey. Sometimes, you may take one step forward and two steps back. But that doesn’t mean failure. Everything is a learning experience. Everything is progress.

A thought that I share often with my clients is, “You got this.” I want you to believe in yourself. I want you to have your own back. I want you to know how to encourage yourself to keep going.  Notice the shifts in your thinking, in your actions, and in your results and celebrate how those changes have improved your financial well–being. You don’t have to be perfect with your money; we’re all making progress a day at a time.

In today’s episode, I’m sharing three milestones that I talk about with my clients. Celebrating these milestones will reinforce the mindset shifts you’ve made and allow you to reflect on how far you’ve come on this journey already. Reminding yourself that you’ve made progress and that you understand how to manage your money in a more mature way will continue to build your financial confidence and set you up for long-term success.

In this episode, you’ll learn...

Tune in to this episode to learn why you should celebrate your milestones and wins.

If your story is similar to my own, you might have opened your first credit card with the intention of building your credit. But, years later, your credit line increased and the way you use your card changed, perhaps without you even noticing. Instead of using your credit card as a tool to boost your financial health or to earn cash back and rewards, now it’s just an easy way to make purchases and pay them back later. Or maybe not, if the balances are getting away from you.

But, it’s not really an issue with credit cards, is it? Credit cards can be great financial tool as long as we’re using them in a financially mature way, which means understanding their benefits and costs and establishing better credit card practices that allow you to be intentional about how you spend your money.

In today’s episode, I’m talking about the importance of identifying your intentions with your credit card use and understanding how you’re actually spending money when you use your card. I’m also sharing three tips that will help you be more intentional about how you use your credit cards.

Whether you’re someone who is paying down debt or someone who pays their monthly balance in full, building a better relationship with your credit cards will build awareness of your spending as well as help you get out (and stay out) of debt.

In this episode, you’ll learn...

Tune in to this episode to learn how to use your credit cards with intention.

Overspending is a common challenge for my clients. Fluctuating categories like groceries, shopping, and travel can catch you off guard if you’re not paying attention and spending with intention. Many people live with the thought that budgeting will be too restrictive, so they don’t track their money at all, leading to shame and buyer’s remorse.

But budgeting isn’t about restriction. It gives you freedom and flexibility and a way to get back on track even when you do overspend. It allows you to ground yourself in the numbers and to avoid getting lost in the emotions that can feel overwhelming around money. Because even with a budget, overspending happens. It’s all about how you respond to overspending and having helpful tools in place to bring more intention to your spending.

So, in today’s episode, I’m walking you through four common causes of overspending. Then, I’m giving you 10 tips that you can implement to go from feeling reactive about money to being in control of your money. These tips will help you stay grounded in financial reality, while allowing you room to prioritize the financial and personal goals that bring you the most joy.

In this episode, you’ll learn...

Tune in to this episode to learn how to build your financial confidence and achieve your money goals.

Fear of failure is something I hear about a lot from my clients. If they get out of debt, they’re afraid they’ll get back into it. They overdrafted before, maybe they’ll overdraft again. They feel like making a misstep means starting back from square one.

This fear could be why you haven’t started a budget or revisited your money goals or started tackling your debt. Like many of my clients, you might be scared that the process won’t work. Scared you’re going to have to start over.

But success isn’t linear. The ebbs and flows of your money are data points. They serve as information, not an opportunity for judgment. Every misstep provides an opportunity to reflect and ask yourself how you can move forward differently in the future. It offers you a moment to ask yourself how you define failure and if you truly failed in this moment, or if, perhaps, you’ve just been given an opportunity to use the skills you’ve learned from your past experiences to make better choices going forward.

In this episode, I want you to think about why you haven’t started over (or started at all) when it comes to your financial success. You’ll learn questions to ask yourself that will help you get curious about your relationship with money. You’ll learn to rethink the way you look at financial failures or new financial circumstances so that you can apply the experience you’ve gained to have your own back when it comes to making better decisions about your money. You can always start over. Don't be afraid to begin again. And I want to empower you with the confidence to do that.

Tune in to learn how to build financial confidence and awareness that will last a lifetime.

In this episode, you’ll learn...

Tune in to this episode to learn how to build your financial confidence and achieve your money goals.

When I first met Amy and Jennifer, they hadn’t ever put much forethought into their finances in their 23 years together. They didn’t manage their money together, set goals together, or even think through their spending together. They had dreams, but they had no idea how to reach them financially.

Learning how to discuss and manage their finances as a team helped them transform their relationship with money.

During our ten months working together, Amy and Jennifer learned how to have honest, productive conversations about their finances. Amy was able to hand over some financial responsibility, Jennifer quit her job to start her own business, and their entire family made a long-awaited cross-country move – all because they started looking at their numbers together.

This shift has allowed Amy and Jennifer to reach a level of financial stability they never thought possible. In our conversation today, you’ll hear how they transformed their financial situation by working on their individual and joint money mindsets. You’ll see that managing money with your partner isn’t about controlling one another, but instead about empowering each other to make smart, fulfilling money decisions.

In this episode, you’ll learn...

Tune in to this episode to learn about managing your money with your partner and becoming a financially confident couple.

If you’re like most of my clients, the overwhelm and shame you experience with your finances can be traced back to a lack of financial confidence.

You don’t feel confident in your ability to manage your money well and any time you’ve started to make changes you end up in the same place. You recognize that you need to make a change, but you don’t feel capable of taking the necessary steps towards creating that change because of the stop and go nature you’ve had with budgeting.

Luckily, financial confidence is a skill you can build.

In this episode, I want to help you recognize what is already working and how you can build upon your current progress. You’ll also have the chance to identify who you are when you are confident so you can tap into that version of yourself a little more each day.

Tune in as I share 8 actionable steps for building financial confidence.

In this episode, you’ll learn...

Tune in to this episode to learn how to build your financial confidence and achieve your money goals.

Many of my clients believe they need a financial planner because they feel overwhelmed by their finances or they’ve heard that you “should” have an advisor to help you make “good” financial decisions. When is the right time to seek out a financial planner? What services does a financial planner provide that a financial coach does not?

In today’s episode, I’m talking to my friend Ellen, a financial planner, about who you need on your numbers team. In this candid conversation, we discuss the difference between how she supports her clients as a financial planner and how I support my clients as a financial coach. We’re also debunking common financial misconceptions and talking through some of the greatest lessons we’ve personally learned on our money journeys.

Understanding the difference between a coach and a planner will help you make an informed decision on whether you’re looking for support to learn how to better manage your finances day to day or support in preparing for retirement.

In this episode, you’ll learn…

Tune in to this episode to learn the difference between financial coaching and financial planning, and how both can benefit you.

When you think about how much money you have the ability to ask for or create, what is that number?

We all have thoughts about money and one thing I help my clients discover is how much money seems “unreasonable” or “unattainable” when it comes to their ability to earn more.  I call this concept their money ceiling.

Your money ceiling is the highest amount of money that you feel comfortable thinking about making.

In this episode, I want to help you identify your own money ceiling and question your own limiting beliefs about how much you’re comfortable earning. I want to offer you the opportunity to explore your money ceiling, and then really ask yourself “What would it look like to earn more? And what is my capacity for earning more money?”

I’m sharing 10 simple steps you can implement to get out of your own way and increase your earning potential.

In this episode, you’ll learn...

Tune in to this episode to learn how to identify—and break through—your money ceiling.

Before I met Chelsea, she struggled with managing her money in a way that felt intentional. As an entrepreneur—a personal stylist for six-figure earners—she was paying herself everything she was making and pulling tax money for her business from her personal savings account. Her personal and business finances were too muddled.

Creating a financial system gave her the clarity and peace of mind needed to manage her money intentionally.

During our time working together, Chelsea was able to start paying herself consistently, save for taxes, and build her savings—which allowed her business to take care of itself. She also decided to apply for a full time role while running her business. In our conversation today, you’ll hear how the work she’d done with pricing in her business helped her have the confidence to ask for the salary she desired.

Her overall shift in her money mindset not only allowed her to manage her finances intentionally but helped her to see the value of money in her own life. Your worth is not tied to how much money you make, but knowing your worth and how your money can support you is how you take charge of your finances.

In this episode, you’ll learn...

Tune in to this episode to learn about how mindset shifts and self-worth related to how you approach your finances.

When I started working with Tavianna, she was living paycheck to paycheck…even though she was making plenty of money. The issue wasn’t necessarily her income—though she does have bigger income goals now—it was the fact that she wasn’t paying attention to where her money was going.

Through working with me in my five month coaching partnership, Tavianna learned how to implement spending goals, why it’s important to give specific purposes to each dollar she earns, and how to be prepared when unexpected expenses pop up. She discovered how to communicate clearly with her partner about finances, ditch the installment plan lifestyle, and manage her finances in a way that moved her intentionally forward, instead of falling back into old habits.

This money knowledge and confidence has helped her to build up how much money is in her accounts, to choose consciously where she spends her money, and to think strategically about how and when she gives money to others. These changes to her mindset and conversations around money allowed her to focus more clearly on her financial goals and dreams.

In this episode, you’ll learn…

Tune in to this episode to learn what it looks like to stay consistent on the money management journey.

There’s a good chance you’re in a new financial season in your life or that you have a desire to spend your time and money differently in the next three to six months. Pandemic has brought with it lots of changes to the economy and the working world that likely have you adjusting your spending.

But are you actively paying attention to and making those necessary adjustments? Do you know how your expenses have shifted? Are you aware of how upcoming commitments might impact your finances?

Your spending changes with the seasons, so your spending plan should, too. That’s why I do a quarterly money review: to evaluate my spending, celebrate my results, adjust my money goals, and create a new spending plan that accurately reflects my current wants and needs.

Today’s episode is a replay of my process for doing your own quarterly number review. I’m sharing how you can adjust your spending plan in real time to better reflect your current needs and goals. Plus, I’m explaining why it’s so important to think about upcoming expenses when creating your spending plan and savings goals.

In this episode, you’ll learn...

Tune in to this episode to learn how to do your own quarterly number review and get even closer to your money goals.

If you feel overwhelmed by money, if you feel like you’ve tried budgeting before and it didn’t work, or if you just don’t pay attention to your money beyond knowing when your bills are due … then you’ll want to tune in to this episode. You do not have to be overwhelmed by negative feelings and limiting beliefs towards money.

I want you to understand that you can experience ease with your finances and that money can bring you joy. I want you to be confident in your choices and your financial decisions.

Today, I’m sharing the simple five step process that I use with clients to help them achieve money clarity and embrace a positive mindset toward their money. Take notes because these are the only five steps you need to bring consistency, growth, and a new mindset for the way you approach money.

In this episode, you’ll learn...

Tune in to this episode to learn the simple five step process that will bring you money clarity and ease.

When I first started working with Lynae, she was living in a credit card debt cycle, with no savings or emergency fund. She was full of fear and shame and guilt around money and how to manage it. This is a common initial profile of many of my clients. Lynae also knew that she had to start somewhere.

In two short years, she has been able to build her savings, go down to part-time at her job, and start her own business, which she plans to transition to full-time next year. And this is only the beginning of her dreams and goals for herself.

Today, Lynae and I are chatting about what it has been like for her to continue her money dates, budgeting, and financial visionsing beyond working with me. She shares how she was able to be prepared financially for her career transition, how evaluating and adjusting her numbers allows her to stay in sync with her goals, and what keeps her going on her money journey.

Lynae’s mindset at the beginning of working with me was like so many people’s: afraid of where to start and unsure of how to dig out of past money mistakes. Once she opened herself up to creating her dream budget and regularly checking in with her money, she was able to begin building the financial stability, for herself and her loved ones, that she has always desired.

In this episode, you’ll learn...

Tune in to this episode to learn what it looks like to keep up the money management momentum.

Putting financial systems in place for where you desire to be long term should be a priority whether you’re a seasoned entrepreneur or just starting out with your business. Fluctuating income can bring with it a feast or famine cycle, but I promise you can break free from that.

I want you to be able to create consistency with your cash flow so that you can have predictability in your income and achieve all of your goals and desires.

Today, I’m walking you through the process of knowing your numbers, creating a business spending plan, and nailing down your expenses and your paycheck. I’m also talking about the importance of keeping your personal and business finances separate and making sure that you regularly evaluate and adjust your numbers as your business grows.

In this episode, you’ll learn...

Tune in to this episode to learn how creating consistency with your money will bring you freedom and flexibility in your business.

If you are a solo entrepreneur, you’re responsible for paying yourself. A lot of my clients pay themselves all of the money they make. They pay their bills, and their paycheck is whatever is left. There’s a lot they don’t consider. And it’s not a sustainable system.

I want you to know exactly what you need to pay yourself and where your money needs to go so you can feel more in control and create the financial security you deserve.

Today, I’m talking about how to determine what you need to pay yourself, really knowing your numbers as a business owner, and identifying what’s possible for your money in the future. The earlier in your business that you can build these systems and habits the better off your business—and you personally—will be financially. Regularly paying attention to how money flows in your business will help you fulfill your vision, whatever it may be.

In this episode, you’ll learn...

Tune in to this episode to learn how knowing your numbers can help you pay yourself what you need and grow your business sustainably.

It’s easy to get caught up in the numbers of your budget and feel shame around mistakes you’ve made. It tends to make people want to get everything perfect before really tackling their spending. But money management is not about perfection.

I want to encourage you to slow down, take a step back from the numbers, and identify why and how to start managing your finances more proactively by taking your money on a date.

Today, I’m talking about spending quality time with your money through money dates and how they can help you see what’s going on with your finances at the moment. If you feel overwhelmed with where to start, this is a great place to begin. Spending habits and money goals evolve, and money dates will allow you to release shame, adjust regularly, and prioritize your values.

In this episode, you’ll learn...

Tune in to this episode to learn how money dates can help you stay on top of your spending habits and honor your money goals.

It’s common to hear someone say that they’re going to “prove themselves” in a new job before they ask for more money. Or that they need to “prove themselves” when starting a business before getting more clients or charging more for their services. I hear this from my clients all the time. They think they need to prove themselves to be worthy of more money.

I want you to understand you do not need to prove yourself before you make more money. Instead, you need to shift your mindset and your belief in why you desire to make more money.

Today, I’m talking about how mindset shifts, giving purpose to money, and a dream budget are the keys to making more money. I’m asking you to stop thinking that you need to prove yourself and start getting clear on your why. Why do you desire more money? I want you to truly believe that you deserve everything you want and more.

In this episode, you’ll learn...

Tune in to this episode to understand why thinking you need to prove yourself in order to make more money is counterproductive to your goals.

Finances are shaped by personal experiences. The most common mindset block I unravel with my clients is their fear of making more money. They doubt their ability to earn more. They think they’re just bad with the money they already have. They let their emotions get in the way, and they let their brain stay stuck in this realm of financial pressure and uncertainty.

I want to give you the tools that will allow you to expand what you think is possible for your finances, to identify financial gaps  and money blocks, and to find financial clarity.

Today, I’m walking you through my process for financial visioning. I used this approach to totally transform my finances and uplevel my money mindset—and you can, too. I’m explaining how to build and achieve your dream budget, and I’m sharing how you can create space for abundance in your life. If the thought of earning more seems impossible, financial visioning will allow you to shift your mindset, and your budget, towards expansion, possibility, and purpose.

In this episode, you’ll learn...

Tune in to this episode to learn my process for envisioning and achieving your dream financial future.

Being an entrepreneur comes with a lot of ups and downs. High income months, low income months, months without clients, months with a client waitlist. The inevitable unpredictability can feel stressful. You may find yourself thinking, I’ll just keep pushing through and hopefully things will turn around. I can’t go back to a full-time job. That would mean I failed at my business. It’s a more common thought than you may realize. I have worked with clients who need the support of extra income as they build their business, but feel shame at the thought of taking a full-time job.

Today, I want you to give yourself permission to consider a full-time job as a route to help you more consistently grow your business. I want you to know there is no right or wrong way to build your business.

In today’s episode, I’m talking about why it’s okay to take a full-time job, how to set clear financial goals and a timeline for when you’re ready to go full-time with your business, and the importance of having money systems in place to keep you on the right track.

It’s easy to get caught up in shame and guilt, but I want you to put those thoughts behind you and think of how a full-time job can actually give you more freedom to grow your business.

In this episode, you’ll learn...

Tune in to this episode to learn why it’s okay to return to a full-time job while growing your business and ways to shift your own narrative about how you desire to financially build your business.

My clients always tell me when they come into extra money—whether it’s income from a freelance job or a birthday gift or a tax refund. And then they tell me how they spent it. Oftentimes, they overspend without even realizing it. A $1,000 bonus from work can turn into $1,500 in spending if you’re not paying attention.

Extra money can show up in our lives in many ways. The important thing is having a plan in place for how to spend that money.

Today, I’m sharing how to avoid overworking your dollars when you have extra money. You’ll understand the mindset shifts you need to make as well as questions to ask yourself about your priorities. It all comes down to reshaping how you think about extra money and practicing intention around spending it.

In this episode, you’ll learn...

Tune in to this episode to learn how to reshape your thoughts about extra money and how to implement tools to help you stay on track.

When most people think about budgeting, they think about saying “no” to the things that bring them joy: their daily Starbucks run, getting their nails done, brunch with friends. But when you restrict your spending at the expense of your happiness, you set yourself up for an unhealthy relationship with money. That’s why I teach budgeting without restrictions.

Today, I’m walking you through my five-step process for budgeting without restrictions and creating a healthy, happy relationship with your money. I’m sharing how we’ll use this process to create a spending plan that aligns with your desires, and I’m also sharing some of the incredible results my clients have achieved in just a few months of working with me.

In this episode, you’ll learn...

Tune in to this episode to learn my five-step process for budgeting without restriction and transforming your relationship with money.

For those experiencing ADHD, impulses and overwhelm—especially around money—can be heightened. But it doesn’t have to be that way!

Today, I am talking to Martha Hoffman, founder of Grounded Learning, about her experience with ADHD and money management.  Martha was diagnosed with ADHD in the seventh grade, which comes with its own set of challenges. But Martha hasn’t let that stop her from exploring and implementing money systems that support her needs.

Prior to working with me, Martha’s experience with money could best be described as random. But now, she has tools and tricks that help her know how to stay on track and when to pivot. She prioritizes what is most important in her life. Her money management works for her, not against her.

ADHD can feel like an uphill battle, with money decisions often left up to chance or mood. But when you have a visual system in place and consistent time to focus on your finances, you can create a plan that works for you, just like Martha. And the benefits are lifelong. You’ll have a clearer view of your overall financial picture. You’ll focus more on your future self. You’ll eliminate fears and doubts and be able to trust yourself around money, and it can be transformative!

In this episode, you’ll learn...

Your spending changes with the seasons, so your spending plan should too. That’s why I do a quarterly money review: to evaluate my spending, celebrate my results, adjust my money goals, and create a new spending plan that accurately reflects my current wants and needs.

In this episode, I’m sharing my process for doing your own quarterly number review. I’m sharing how you can adjust your spending plan in real time to better reflect your current needs and goals. Plus, I’m explaining why it’s so important to think about upcoming expenses when creating your spending plan and savings goals.

In this episode, you’ll learn...

Tune in to this episode to learn how to do your own quarterly number review and get even closer to your money goals.

When was the last time you negotiated for something you wanted?

According to Kim Tran, owner of Your Work Inspires, many women avoid negotiation–both in their careers and in everyday life. But Kim believes that we shouldn’t be afraid to negotiate for what we desire, nor should we view negotiation as confrontation. Instead, she wants to help women have tough conversations with confidence and finally get the pay they deserve.

In this episode, Kim and I are chatting about how we as women can take control of our finances, careers, and lives. Kim is sharing her advice for negotiating your salary, and she’s explaining how our everyday actions can help us overcome the gender pay gap. Plus, we’re talking about staying open to new career opportunities.

In this episode, you’ll learn...

If you’re ready to shift out of a scarcity mindset and into one of abundance, tune in for this week’s episode.

“I’ll invest in myself when I’m making more money.”

It’s all too common that my clients come to me after months of hesitation. They convince themselves that the investment won’t be worth it, that investing in themselves is a luxury they can’t afford. But as my client Layra learned, investing in yourself is a form of self-care, and cultivating financial confidence is a key step in seeing and feeling your self-worth.

In this episode, Layra and I are chatting about her journey to valuing herself and her business. She’s explaining why she finally invested in coaching and how she overcame the mindset blocks that were keeping her stuck. We’re also talking about investing in yourself as a form of self-care and a crucial step in increasing your income.

In this episode, you’ll learn...

If you’re ready to gain confidence in your finances and truly feel your self-worth, tune in for this week’s episode.

Do you manage your money proactively or reactively?

When someone tells me that budgeting “doesn’t work” for them, it’s usually because they’re doing it reactively. They create a budget, go about their life, and then come back to their budget a month later to “check-in.”. Instead, you should be managing your finances proactively, which means you will make decisions based on what you said you wanted to do, what’s actually happened, and what might shift in the days or weeks ahead based on what you know to be financially true.

In this episode, I’m sharing how to shift from a reactive to a proactive approach to managing your money. I’m explaining how to schedule regular “money dates'' to look over your accounts and make adjustments in your spending. Plus, I’m sharing how this style of money management can establish financial trust, awareness, and peace of mind.

In this episode, you’ll learn...

If you’re ready to manage your money proactively, tune in for this week’s episode.

“I make good money. Why am I still living paycheck-to-paycheck?”

By the time Damon and I started working together, we’d been friends for years, and I was familiar with his paycheck-to-paycheck lifestyle. When he invested in my coaching, he was convinced he’d never reach the level of financial freedom and security he saw in his friends’ lives. But with some budgeting practice and a major mindset shift, Damon learned to save for his future and work towards his financial goals.

In this episode, Damon and I are chatting about his financial journey so far: where he started, what it was like working with me, and how he feels about his money management skills now. Damon’s sharing the mindset shift that allowed him to escape the paycheck-to-paycheck cycle and create his own financial security.

In this episode, you’ll learn...

If you’re ready to break the cycle of scarcity and create your own financial security, tune in for this week’s episode.

Did you know you can choose your thoughts about money?

You’ve learned a lot about money in your lifetime, and it’s impacted the way you think about spending money, earning money, and investing in yourself. One of the things entrepreneurship has taught me is that I can choose to change my thoughts about money. The money lessons I learned growing up, whether intentional or unintentional, are not the money thoughts I continue to use in my life.

In this episode, I’m sharing four money thoughts I’ve adopted and now freely share with my clients. I’m explaining how creating your own intentional thoughts about money will allow you to ditch the guilt of paying to get your house cleaned, raising your prices, or investing in personal development. Shifting your mindset can make it easier to make, manage, and use your money in a way that feels intentional.

In this episode, you’ll learn...

If you’re ready to choose your thoughts about money, tune in for this week’s episode.

“I know what I want, but I don’t know how to get there.”

When I first met Jackie, this was her story. She had dreams of investing in real estate and saving for her family’s future, but her scarcity mindset and emotional spending habits kept her from making progress on her goals. But through our work together as her financial coach, Jackie has paid off $10k in debt, negotiated a raise, and fully adopted an abundance mindset.

In this episode, Jackie and I are chatting about how far she’s come in the year and a half since we started working together through financial coaching. She’s opening up about where she was two years ago, both financially and emotionally. We’re talking about how she broke her cycle of emotional spending and learned to save for her long-term goals.

In this episode, you’ll learn...

If you’re ready to shift out of a scarcity mindset and into one of abundance, tune in for this week’s episode.

The road to financial confidence isn’t always linear. Just like with any other transformation, there are bound to be obstacles. But even if you go a little crazy at Target one week, don’t panic! These hiccups don’t need to erase your hard-earned progress or derail your thoughts about your financial progress

In this episode, I’m talking about financial failure: the inevitable bumps in your road to a healthy relationship with money. I’m sharing my advice for dealing with financial ruts, how to stick to your goals, and the importance of celebrating your progress.

In this episode, you’ll learn...

If you’re stuck in a financial rut or questioning how you’ll manage when you inevitably get off track, tune in for this week’s episode.

“I’m making more money than ever, but I still feel broke…”

Sound familiar? Many new clients come to me after receiving a raise or promotion yet still living paycheck-to-paycheck. That was the case for Tavianna, who came to me after a massive raise but still unsure of where all her money was going.  Tavianna is going to give you a peek into what it’s like working with me in a five-month coaching partnership. She’s already achieved so much in the two months we’ve been together so far!

In this episode, Tavianna and I are chatting about her experience in the first month of working with me. She’s opening up about the mindset blocks that nearly prevented her from asking for help and what inspired her to make the leap. Tavianna is proof that it doesn’t take five months to change your relationship with money. In less than 90 days, she’s already started spending and saving her money with intention.

In this episode, you’ll learn...

If you’re ready to gain clarity and improve your own financial future, tune in for this week’s episode.

Have you ever said “no” to an amazing opportunity because you were worried about the money? I have, and I know plenty of clients who have, too. Instead of seizing the opportunity, they closed the door, promising themselves they’d get around to it when they had more money. But financial confidence doesn’t necessarily come from having tons of money. It comes from understanding and managing the money you have.

In this episode, I’m breaking down the basics of creating your own financial plan: what you need to know, what it needs to include, and how to use it. I’m sharing my own journey with budgeting and the doors it’s opened for me. Plus, I’m explaining how to create a budget that makes you  feel confident, not restricted.

In this episode, you’ll learn...

If you’re ready to set and reach your long-term financial goals, tune in for this week’s episode.

Oh, budgeting. It’s so important to financial stability, but so many people avoid it. And why wouldn’t you? We’ve been taught that budgeting is all about restricting spending, saving every penny, and avoiding “unnecessary” fun. But today, I’m inviting you to forget everything you think you know about budgeting and try this freeing, empowering approach.

In this episode, I’m teaching you how to get started with values-based budgeting, a system for determining what you value in life and managing your money accordingly. I’m sharing why this approach is so much more effective than traditional budgeting, and I’m guiding you through the steps for getting started.

In this episode, you’ll learn...

If you’re ready to get started with values-based budgeting, tune in for this week’s episode.

Season Two of Money Files is all about practical, actionable tips for managing your money and thinking positively about money. So today, I’m walking you through one of my favorite client exercises for building financial awareness and creating a foundation for a positive money mindset.

In this episode, I’m teaching you how to conduct your own “money cleanse.” Before you can improve your money mindset, you have to become aware of where your mindset is now–how you think about money, how money makes you feel, and where those feelings come from. With that awareness, you’ll finally be able to start shifting your mindset and believing you can manage your money well.

In this episode, you’ll learn...

If you’re ready to release your negative thoughts and feelings about money and finally improve your money mindset, join me for this exercise.

Welcome to Season Two of Money Files podcast! Today, I’m relaunching my podcast with a solo episode. After a year of recording client conversations, I now want to share more practical tips and become your go-to resource for improving your relationship with money.

In this episode, I dive into financial self-trust.  When I work with clients, I notice they lack this foundational piece.  Some of my clients even come to me believing they are inherently flawed, that they are destined to struggle with money for the rest of their lives. If you’re ready to start cultivating financial self-trust in your own life and break the negative thought cycles you have around money, this episode is the place to start.

In this episode, you’ll learn...

If you’re ready to start cultivating financial self-trust in your own life and break the negative thought cycles you have around money, this episode is the place to start.

Is money (or lack thereof) keeping you from fully enjoying your life? Are the stories you tell yourself preventing you from improving your money mindset and having a better relationship with your finances? Keina Newell of Wealth Over Now is a financial coach devoted to helping professional women and solopreneurs get out of financial overwhelm and shame so they can experience more flexibility and ease with their finances.

I’m too old to not know what I’m doing.

Maybe you can relate and it’s why I’m excited to introduce you to my client Courteney. In the past Courteney tried workbooks, reading financial books, and even worked with a financial advisor but nothing worked. She reached out because she wanted to explore a more hands-on approach and some personal shifts made it the perfect time.

Today I’m excited to introduce you to my client Arlete. You see when Arlete turned 40 she was expecting some magical financial fairy dust (I’m sure you’ve been looking for it too!).  However, even with this milestone birthday she still felt like she should and could be doing better with her finances.

When you listen to Arlete’s story you’ll realize the language of money is universal. Arlete lives in Mozambique.  Although Arlete doesn’t manage dollars and buys everything with meticais, our work was still the same.  What was most true is that Arlete wanted a different relationship with her finances.  We used our coaching calls to identify her financial values and goals and then made a plan for how her money could help her be both intentional and financially secure.

Here are just a few things you’ll learn when you listen in:

You do not want to miss this conversation.  This episode is for you if you want to stop believing the negative narrative you have about money or truly desire to see what’s possible when you have an accountability partner. I know you will find Arlete’s story to be relatable, real and true.

I need to do something different.

This is the exact thought that prompted my client Jeanine to apply to work with me.  For decades she's found herself in and out of the debt cycle. Each year she noticed she was paying off thousands of dollars of credit card debt from past experiences which impacted her ability to be present in the current moment and make progress on new financial goals.