Money Files: Wealth Over Now

Thank you for joining me on this journey of 100 episodes! This is an incredible milestone for Money and Files, and I attribute so much of the podcast’s success to my amazing clients and listeners. Even though I do not know each of you personally, as a business owner and financial coach, I always think about you as I talk about money and how I can help add to your ‘money file.’

Today is a special tribute in honor of episode 100. I take you all the way back to the beginning and what inspired me to start a podcast. Then, I share how budgeting and wealth-building have impacted my life and why it is so important for me to carry on teaching about money. Finally, you’ll hear messages from listeners and learn how Money Files has impacted their lives.

Having you all tune in every week is a privilege and an honor. I am excited for the future and to continue to be a source of information and inspiration as you take control of your finances. 

Stay tuned to hear insights on these key topics during this episode:

[01:10] The evolution of my career and the Money Files podcast

[05:15] What budgeting has afforded me

[06:45] Wealth-building is about more than just money

[11:32] Holding a vision for my clients

[12:40] A ‘thank you’ to my listeners

[16:15] Voice messages from podcast subscribers

[25:19] A ‘thank you’ to my clients

[26:30] Thoughts to future clients

Tune into this episode of Money Files to learn what inspired me to start the Money Files podcast and how my money coaching business has evolved thanks to clients and listeners like you!

If you and your money sat down with a therapist, what would your money say about your relationship? Odds are, your money is stressed and overworked. Too often, high-earning individuals designate their financial livelihood to the next client, the next night shift, or the next gig. They get so caught up in reactive day-to-day money management and mental math that they don’t realize where each dollar is going.

In today’s episode, I talk about how $1,000 can turn into $10,000 quickly. Managing finances effectively is much more than paying bills or paying down debt. Without a strategic budget, your money works overtime to cover hidden expenses like Christmas shopping, traveling, and car repairs. To experience true financial freedom, you need to understand your money core. Are you ready to feel the impact of extra money? Listen to get started!

Stay tuned to hear insights on these key topics during this episode:

[04:05] Stop covering expenses with extra work

[07:00] What is a money core?

[08:30] Why budgeting is essential

[10:00] How $1,000 becomes $10,000

[12:45] How to be okay with spending money outside of paying bills

[17:00] What happens once you understand your money core

Tune into this episode of Money Files to learn how $1,000 turns into $10,000!

Today, I am interrupting how you spend money during the holidays. So many of us overspend during the holidays because we are programmed to take advantage of Cyber Monday, Black Friday, and the endless brand deals. There is so much pressure to buy right away or risk losing out. 

Stores run sales all year round. Odds are, a special holiday deal will be available later on. So, instead of impulsively buying, take a step back and make a plan before you spend.  This holiday season learn new tools to help you enjoy holiday spending without regret in January when you look at your credit card bill.  

Listen in as I share how I monitor my finances during the holidays. I give tips on planning and budgeting so you can give gifts you feel comfortable buying without creating unexpected credit card bills. Holiday shopping doesn’t have to destroy your finances. Tune in to learn how!

In this episode, I touch on the following topics:

[04:54] Building financial awareness

[05:50] Don’t fall victim to the pressure of sales and coupons

[09:50] Write down what you want & need during the holiday season

[12:58] Budget per person & per gift

[18:30] The gift closet

[19:35] Giving gifts to yourself

Tune into this episode of Money Files to learn how to maintain control of your finances and budget during the holiday shopping season. 

It has been FIVE years since I started my coaching business! What better way to celebrate this milestone than to bring my first-ever client on the podcast?

In today’s episode, I sat down with my first money coaching client, Amanda. She shares her money journey, including why she decided to work with me, how she paid off all her debt, and how financial coaching has impacted her life. Amanda also talks about the money tools she still uses, including the budgeting tool she learned when we worked together five years ago.

Investing in money coaching is a decision that will change how you manage your finances for the rest of your life! Five years later, Amanda is confidently budgeting, managing her finances, and reaching her money goals as a six-figure earner.    

The main points Amanda and I talk about in this episode are:

[03:00] Why Amanda started working with Keina

[11:45] What does budgeting look like for Amanda now?

[22:10] How a spending plan helped Amanda become debt-free

[28:44] What Amanda’s money dates look like today

[31:45] How does Amanda use credit cards now?

[35:23] Goals Amanda has accomplished since working with Keina

[36:57] Wealth legacy

Tune into this episode of Money Files to learn about the long-lasting impact money coaching has on managing your finances!

Are you considering working with a money coach? This episode is for you! In today's episode, I am joined by my client Sarah. Sarah shares her journey of being a single mom by choice and how getting help with her finances was pivotal to her leaning into motherhood. Sarah has just finished working with me in my five-month partnership and came on the podcast to share her journey working with a money coach. Sarah is a single mother who works in the education sector. She came to me with a list of bills and a desire to get out of the paycheck-to-paycheck cycle. Now, Sarah has all the tools she needs to be empowered to take control of her money goals.

Listen in to hear how learning to manage her finances has empowered Sarah. Not only does she feel confident about her ability to earn and budget money, but she knows she is capable of so much more! 

The main points Sarah and I talk about in this episode are:

[01:30] Why Sarah decided to work with Keina

[05:48] What coaching allowed Sarah to do

[10:37] Sarah’s proudest moment during coaching

[12:30] Finances and motherhood

[20:40] Sarah’s experience with Keina’s budgeting system

[26:08] Domino effect of money coaching

[29:49] Sarah’s unexpected wins

Tune into this episode of Money Files to learn what it’s like working with a money coach!

Most people associate money conversations with savings, debt, or salaries. But achieving financial goals is more than just making money. In today’s episode, I share the importance of having a money team. Your money team goes beyond just having a financial advisor. You need a group of people who have already accomplished what you want to do and who can challenge you to think bigger.

Everyone needs a money team, and in this episode, I share examples of how my own money team has pushed me to look beyond limiting beliefs, leverage my skills, and ultimately earn more money and achieve my financial goals. Are you ready to start assembling your money team? Listen to learn how! 

The main points discussed in this episode are:

[04:47] What is a money team?

[05:58] Example: negotiating salaries

[08:47] Example: raising business rates

[10:55] Finding people who challenge you

[16:37] Six questions to help you build your money team

Tune into this episode of Money Files to learn what a money team is and the difference it can make in achieving your financial goals. 

Today's podcast episode is a cross-replay of my conversation with my friend and client, Lindsay Dotzlaf. Lindsay is a coach specializing in empowering other coaches to enhance their effectiveness and make a more significant impact.

Tune in as Lindsay shares her personal journey of working with me as her financial coach and the profound transformation her mindset has undergone in managing her finances.  We also discuss Lindsay's newfound passion for budgeting and how to make a budget work for your unique lifestyle. I hope you enjoy our conversation and gain valuable insights into the experience of partnering with a money coach.

Hot topics discussed in this episode include:

[12:20] How working with Keina shifted Lindsay’s money mindset

[22:45] Balancing debt vs. investing vs. savings as a business owner

[27:40] Budgets are about awareness

[30:03] Keina’s top financial tips for business owners

[40:00] Lindsay’s experience and learnings from working with Keina

[53:40] Thinking about educating the next generation about managing money

[01:04:01] Managing money as a couple

Tune into this episode of Money Files to learn what it’s like to work with and how to fall in love with budgeting!

It's no secret weddings are EXPENSIVE. On average, couples spend $30,000-$40,000 on their wedding. Don't let financial stress overshadow your Big Day. I explain how to build the perfect wedding budget in today's episode. The earlier you start financially planning for your wedding, the easier it will be to create the perfect day without overspending or going into debt. 

Remember, a wedding budget is the same as any other budget. The key is to assign purpose for every dollar, know your numbers, and check in on your spending. It is possible to have your dream wedding without losing track of your money goals, and I am so excited to share how to make it happen!

During the episode, I touch on wedding budget best practices such as:

[01:45] Creating a starting budget

[06:45] Making time to get real numbers

[09:32] The importance of a budget buffer

[10:26] Planning where the money is coming from

[11:55] Tracking actual expenses vs. projected budget

Tune into this episode of Money Files to learn how to build the ultimate financial guide for wedding planning.

I recently was a guest on Sara Fisk's podcast, The Ex-Good Girl, hosted by Sara Fisk. Sara is a female empowerment coach who helps women stop people-pleasing behavior and start living the life they want. With Sara's permission, I am sharing our conversation in this episode of Money Files. 

So, listen in as we dive deep into why women aren't naturally confident with managing finances and recommendations you can use to shift into better money habits. Sara and I tackle topics like overspending to please others, what it means to live in restriction, and how to align spending habits with your life goals. 

During this episode, I share reasons why paying off debt should not be your sole focus and what to do instead:

[04:44] Defining a “good girl”

[05:50] Debunking “I don’t know as much about money as my husband”

[08:00] Expansion vs. restriction

[12:30] Using money to buy positive emotions

[19:05] Spending to overcome restlessness

[25:15] Does what you want align with your spending?

[37:20] How to challenge yourself to think differently about your finances

Tune into this episode of Money Files to hear an important conversation about empowering women to regain control of their finances.

Debt can make you feel anxious and shameful. As a six-figure earner, I know how tempting it is to put all of your focus on paying off credit cards or loans. But when you are only working at paying down debt, you lose sight of all your other financial goals.

In today's episode, I share the five main reasons I tell my clients to look beyond paying off debt. I explain how creating a budget that incorporates debt payments is an essential tool for financial management. You deserve to enjoy life and spend money on what brings you joy. Every extra dollar you earn should not go towards paying off debt. Financial freedom starts with intentional spending, knowing your numbers, and leveraging a budget that works for your lifestyle. Paying off debt is only a small factor in creating financial freedom. 

During this episode, I share reasons why paying off debt should not be your sole focus and what to do instead:

[07:55] Paying off credit cards isn’t the only marker of success

[09:00] Focusing on paying down debt overshadows intentional spending

[10:08] There is no plan for what to do when debt is paid off

[11:05] Miss opportunities to invest in yourself

[12:00] What you SHOULD be doing: the importance of budgeting

If you are ready to learn how to think beyond paying off debt, tune into this episode of Money Files!

Saving money $10,000 can be an intimidating goal, especially if you are someone who doesn't identify as a saver. But reaching a savings goal is easier than you think!

In today's episode, I share my special 'Magic Ten' process to save $10,000. This is the method I coach my clients on, and it is successful for anyone. Not only will the Magic Ten process help you achieve your savings goal, but it will also help you shift your mindset and build financial confidence. If you feel like you don't know how to save, are constantly dipping into your savings, or feel like money just slips through your fingers, this episode is for you! So tune in and get started on a $10k savings plan! 

During this episode, I share my Magic Ten process to save $10,000. Follow along with these key points:

[02:20] Intro to my ‘Magic 10’ process to save $10,000

[05:30] Adopt the belief you are a saver

[06:50] Build a $10k plan

[12:06] Identify and reframe your roadblocks

If you are ready to learn how to save $10,000, tune into this episode of Money Files!

You can save money, pay down debt, and still spend money on things that make you happy! When you are focused on money goals like increasing savings and paying off credit card debt, it is easy to feel shameful about spending money. But you work too hard as a six-figure earner not to invest in fun.

In today’s episode, I share the importance of a personal allowance. By establishing an allowance in your spending plan or budget, you give yourself permission to treat yourself to a manicure, fancy dinner, or special treat in a controlled way that still aligns with your financial goals. 

If you make good money but can’t get out of the paycheck-to-paycheck cycle, are hyper-focused on paying down debt, or feel shame about spending on items that make you feel good, this episode is for you! 

During this episode, I offer five reasons why you need a personal allowance:

[04:25] Align spending with financial goals

[06:08] Permission to invest in yourself

[07:07] Overcome shame of spending money

[08:11] Promotes financial wellness

[10:07] Give couples permission to spend, maintain financial autonomy, and reach partnership savings goals without impacting bills or debt

If you are ready to learn how to spend guilt-free and still hit all your money goals, tune into this episode of Money Files!

Do you want to gain control of your spending? No matter how much money you earn, now is the right time to start building financial awareness and creating healthy spending behaviors. If you are someone who wants to gain control of your spending because you are tired of being up at night thinking about your finances, this episode is for you!

Today, I share the process I use during coaching sessions to help clients who feel like they are out of control with money. My judgment-free method focuses on how you think about your finances so that you can start shifting your spending habits so your spending is in alignment with your financial goals. I will take you through how to complete these exercises at home so you start feeling more confident about how you manage your money.  

During this episode, I share comprehensive steps to start gaining control of your spending habits:

[02:06] Why do you think you aren’t in control of your spending?

[04:40] How would you know if you were in control?

[06:35] Track your spending for the next five days

[07:57] Observe your spending habits

[11:35] Continue the habit & create a plan

[13:40] Evaluate your purchases

If you are ready to take back control of your spending, tune into this episode of Money Files!

Most of my clients are scared of debt. Society has created rules and regulations around when it is “okay” to get into debt. Going into debt for a house or car is normalized, but accumulating debt on shopping or healthcare is taboo. There is so much negative talk about debt that you might feel shame about your own credit card balance or the need to use credit.

Today’s episode is about changing how you think and feel about debt. I share several helpful tips for managing debt, strategizing a payment plan, and overcoming feelings of overwhelm and shame. Debt can afford you amazing things, and having debt does not mean you are bad with money. So tune in to learn how you can make peace with your debt and take back control of your finances.

Are you ready to make peace with your debt? Start with these steps to improve your relationship with money, overcome feelings of shame, and start paying down debt with confidence.

[01:08] Learn to think of debt as being neutral.

[05:10] Make peace with your debt.

[08:20] Create a budget so you can see where your money is going.

[09:12] Prepare to pay off the debt with a clear strategy.

[11:18] Be consistent with your plan to pay off debt.

[12:35] Celebrate along your debt payoff journey.

If you want to change how you think about debt, tune into this episode of Money Files!

One of the top questions I get asked is, "How do I stick to a budget?" Society tells us we have to budget to manage our money well, but most teachings focus on restriction. If you are someone who has tried spreadsheets and apps and still struggle to maintain a budget, this episode is for you!

Today, I talk specifically about maintaining the habit of budgeting. I am excited to share this episode because it gives you five practical ways to navigate maintaining your budget.

This easy five-step plan will help you create a budget that works for you. 

Listen as I explain five steps to help you maintain the habit of budgeting:

[04:30] Define the purpose of budgeting in your life

[07:37] How did you feel the last time you went over your budget?

[11:28] What does it mean when you say you want to stick to the budget?

[14:25] Make space in your budget for fun

[15:18] Schedule weekly money dates

If you are ready to change how you think about budgeting, tune into this episode of Money Files!

Get full show notes and the episode transcript: 

The home buying process can feel overwhelming whether you’re looking to buy your first home or you want to make the transition to a new home. Today, I’m sharing four steps I used to prepare for homeownership. If you want to feel financially prepared to buy a home tune into this episode.

In this episode, I share four financial tips to get ready to buy a house. Whether you are a new home buyer or looking to upgrade to a larger property, my four-step process makes purchasing property a seamless and stress-free experience. Learn what to budget for, how to prepare for mortgage payments, and which type of loans could benefit you. This is the same process I’ve used to help my clients  realize their dreams of homeownership, and I am excited to share this financial strategy plan with you!

Listen as I explain the importance of taking these four financial steps before considering home ownership: 

[06:00] create a budget to see what you can afford

[07:06] create a budget for home ownership

[09:50] save money and pay off debt

[13:23] get prequalified for the house you want to buy

If you are considering buying a home, don’t miss this episode of Money Files!

On today’s episode, I am joined by former client and career coach, Kim Tran.  Kim is a hiring manager and owner of Your Work Inspired, a company with a mission to provide a holistic approach to closing the wage and wealth gap for women of color regardless of job titles and industry. 

In this episode, we discuss the perceived challenges of pivoting in your career. It might feel familiar to maintain the status quo when it comes to your career but there is also power in pursuing new careers with curiosity. As a hiring manager, Kim shares three key insights on:

• Leveraging networking to build valuable relationships

• Determining what you love vs. what you are good at

• Knowing when to take the leap and make a career pivot

Tune in as Kim, and I share our personal stories and client experiences. We hope this episode inspires you to overcome feelings of fear and overwhelm to apply for new roles. 

In this episode, Kim and I discuss these points about career pivots:  deciding to pivot your career:

[06:00] Why you might want to pivot your career

[09:00] Figuring out how to network in a way that is comfortable to you

[19:15] How to identify where you go next in your career

[23:50] How to apply for a job that you don’t meet every requirement for

[34:54] The importance of constructive voices

[35:00] When to know it’s the time to pivot in your career

[39:57] Benefits of “dating around” in the job world

Listen to this episode of Money Files for an insightful discussion about pivoting your career and getting the salary you deserve.

Today I discuss a problem that impacts current clients, past clients, and potential clients. There’s a sneaky thought you might have when it comes to managing your finances: I’m afraid I’ll fall back into bad financial habits.

This fear can hold you back from applying to work with a financial coach. It can cause you to freeze and go into a downward spiral when you have to put an expense on a credit card unexpectedly. Do not let this sneaky thought prevent you from reaching your money goals.

These powerful questions will help you find the reason behind your financial choices and keep you moving forward by helping you to…

[08:32] Identify your fears

[09:45] Reflect on success

[13:39] Be your own lifesaver

[16:06] Embrace continuous growth

Tune into this episode for six steps to overcome the fear of falling back into bad money habits. 

Today I share 15 things you need to start doing right now to stay on top of your financial health. Managing your money successfully is about more than just paying off debt, saving money, and sticking to a budget. These 15 tips are designed to help you see the big picture so you can manage your money with current and future goals in mind.

I will cover every aspect of personal finances today! Listen in for tips on everything from saving for retirement to monitoring automatic bill payments. This episode is all about practical advice that you can add to your financial wellness toolkit. 

I designed this episode with these goals in mind…

[01:17] I want you to have a holistic approach to your financial health.

[02:00] I wanted to give you 15 things to think about and so you can go through and say: Am I doing this? How do I consider this? Where is this in terms of my tool kit and how I think about money?

Tune in to this episode of Money Files for 15 of my best tips to improve your overall financial health. 

In today's episode, I answer TEN of the most frequently asked questions I get from people who are thinking about working with me. As a former teacher, I know that if one person has a question, there are multiple people wondering the same thing! I also understand the feeling of knowing you need to do something to help yourself but also feeling unsure about taking that next step. This episode is designed to help you overcome feelings of hesitation and paint a clearer picture of what it would be like to have me as your coach!

Remember, working with me is a one-time investment that's going to pay for itself for the rest of your life. So I wanted to use this episode to answer some questions for people still on the fence. Maybe you follow me on Instagram, or maybe you have opened up the application to work with me several times and are having a hard time saying 'yes' to yourself - Wherever you are in the decision cycle, I am always here to answer your questions. My goal is to create a comfortable space to talk about finances. 

Tune into this week's episode to get the answers to questions I am asked all the time, such as…

[01:29] Do you only coach women?

[07:28] I’m not in debt. Can I still sign up to work with you?

[10:44] What happens after I start working with you?

[24:32] Do I have to stop using my credit cards?

Listen to this episode of Money Files and learn the answers to ten of the most frequently asked questions from clients!

The Supreme Court has overturned Biden’s student debt forgiveness plan. While student loan payments were suspended during COVID, interest fees will resume in October 2023. It is essential to understand your numbers now to avoid feeling stressed and overwhelmed in a few months.

I had over $70,000 in student loan debt. My payments were between $500 and $700 a month. I never fought or got angry with the payment because I knew that $500-$700 would always be needed in my budget. It might have different names in the future, like “car payment” or “childcare,” but I would always have a similar payment.

That is why I encourage you to plan your student loan payments into your budget now! If you aren’t sure how much you will owe, make an estimate and start allocating that money aside. Not only will this put you ahead of the game in October, but it will save you so much stress. So don’t get discouraged. Stay in control of your finances with these four easy tips to pay down student loans drama-free!

As you prepare to start repaying student loans again, consider…

[08:16] I want you to incorporate your student loan payment into your budget now. 

[10:13] I want you to put a reminder in your calendar to set up auto pay on your student  loan payments.

Tune in to this episode of Money Files to learn four tips to help with repaying student loan debt. 

Every client comes to me with a different set of goals. Some are more traditional like wanting to save money, pay off debt, or purchase a home. However, the main thing that differentiates their experience with me as a financial coach from attempting to do the work themselves is that I build a financial system they can trust.

During a coaching container, every single client says how much they love budgeting. Hard to imagine? That’s because you have never worked with me! A budget is a working tool that you can manipulate to meet your goals. It isn’t about restrictions or lists. Together we can create a budget plan that involves a system you can trust and allows you to live the life you have dreamed of. Do you want to experience stress-free budgeting? It’s time to make the move and apply to work with me. I can’t wait to help change how you feel about and manage money. 

During this episode I want you to ask yourself…

[06:25] This week I want you to really think about what it would look like in your own life if you had this financial system that you can trust. How would you show up if you knew that there was money always available for the things that you need?

Tune in to this episode of Money Files to learn how building a financial plan you can trust will help you to love budgeting, reach your money goals, and manage your finances confidently.

Today’s episode is about highlighting the difference between tracking and budgeting. Many coaching consultations focus on a client’s frustration with managing money. These six-figure earners are living paycheck to paycheck, struggling to pay down debt, and unable to reach saving goals. Most clients come to me with some sort of tracking system they use to “budget.” But listing out bills and tracking expenses is a passive activity. That isn’t budgeting.

To help explain the difference between tracking and budgeting, I share a client example. Tune in as I detail her journey from passive money management to proactive planning and saving. 

Finally, I share three steps you should take to actively budget. Remember, effective budgeting isn’t about restriction. It is about naming and assigning every dollar to protect your future money goals, increase financial awareness, and spend in ways that are important to you. 

During this episode I want you to ask yourself…

[18:00] As we think about the difference between tracking versus budgeting, I want you to ask yourself: Am I tracking or am I budgeting?

Tune in to this episode of Money Files to learn the difference between tracking and budgeting so that you can proactively manage your finances in a way that serves your money goals. 

We are officially in June! We are already halfway through 2023. It is time to do a financial check-in. In today's episode, I discuss the importance of conducting a midyear financial review and strategies to keep you on track to hit your money goals. 

January is an exciting time to set resolutions, and we enter the new year with enthusiasm, especially around changing money habits. However, it is easy to lose focus and stray away from financial plans. A lot can happen in six months. It's normal for goals to change or different aspects of our finances to gain a higher priority. That is why a midyear review is so important!

Schedule time in your calendar to sit down with the money goals you set for yourself and reflect. Really evaluate your progress. Take a moment to celebrate wins! Then consider what is important to you right now. Do these new goals align with your original financial plan? Remember, budgeting is a tool, and your process will evolve. By checking in with yourself now, you will gain more financial confidence and set yourself up for more success in the second half of 2023. 

During this episode, I encourage you to consider the following…

[00:04:55] The first thing I want you to do in your midyear review about your goals for this year is to think about what financial goals you said out loud or put on paper. 

[00:06:45] I want you to think about what is truly important (in your finances) right now

[00:11:17] As part of the media review I want you to actually think about quick actions. What are the quick actions you can take to make progress?

Tune in to this episode of Money Files to learn how to jump-start your midyear financial review and reflect on your progress in 2023.

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: