Millennial Money

What does life look like when you stop trading time for money and start living on your own terms? In this episode of Everyone's Talkin' Money, I sit down with Daniel C. Rodgers — award-winning author of Escape The Clock: Your Program Guide for Financial Freedom and Early Retirement and host of the Escape the Clock Podcast. After 20 years in tech, Daniel walked away from the 9-to-5 grind to design a life filled with purpose, freedom, and impact. Today, he teaches financial literacy, coaches people one-on-one, and helps others create personalized roadmaps to financial independence. You'll hear: Why the traditional retirement model no longer works — and what's replacing it The truth about FIRE (Financial Independence, Retire Early) and whether it's realistic How to calculate your number instead of chasing someone else's formula The psychology of money, golden handcuffs, and what really holds people back Why financial freedom isn't about escaping work — it's about choosing purpose If you've ever dreamed of retiring early, ditching the clock, or simply creating more freedom in your life, this conversation will give you both the mindset and the practical steps to make it happen. Keep up with all things Everyone's Talkin' Money by following us on Instagram @everyonestalkinmoney. Thank you to our sponsors!  Policygenius - Head to policygenius.com to compare free life insurance quotes from top companies and see how much you could save.  Ava - Help build your credit score with Meetava.com. Use promo code: Money Learn more about your ad choices. Visit megaphone.fm/adchoices

What if the biggest thing holding you back from making bold money moves... was your own inner voice saying you should be doing something else? In this episode, I'm joined by Jessica Frew—mom, stepmom, ex-wife, wife, and the bold action-taking creator of The BOLD Logic and author of Shove Your Shoulds. We're unpacking the hidden price tag of indecision and the financial weight of those “shoulds” that keep so many women stuck in careers, relationships, and money patterns that no longer serve them. Jessica shares her personal journey through divorce, remarriage, and entrepreneurship, and how she learned to break free from inherited money beliefs and make aligned financial choices that feel good and make sense. If you're constantly second-guessing your financial decisions or over-researching every move, this episode is the permission slip you've been waiting for. You'll walk away with: Why “shoulds” cost you money, energy, and confidence How to spot decision debt and what it's doing to your financial progress The 3-step method Jessica teaches to make bold, aligned decisions Why waiting for “clarity” might be costing you more than you think How to create emotional safety around money decisions What it actually means to make confident, values-aligned financial moves Be sure to follow the podcast so you never miss an episode. Follow us on Instagram @Everyonestalkinmoney to stay in the know of everything ETM.  Thank you to our sponsors!  Policygenius - Head to policygenius.com to compare free life insurance quotes from top companies and see how much you could save.  Ava - Help build your credit score with Meetava.com. Use promo code: Money Learn more about your ad choices. Visit megaphone.fm/adchoices

Are you mean to your money? If money were a person, would it actually want to hang out with you—or would it be ghosting your calls? In this episode of Everyone's Talkin' Money, Shari Rash takes you on a deep dive into the surprising ways we mistreat our money without even realizing it—and how to turn things around. From ignoring bank statements to impulse spending to never asking for the money you're owed, these everyday habits can add up to what Shari calls financial neglect and abuse. But here's the good news: money doesn't hold grudges. The moment you start treating your money with attention, respect, and consistency, it begins to show up for you in powerful ways. You'll hear: Why thinking of money as a relationship changes everything The sneaky ways you might be disrespecting your money (and yourself) How financial avoidance, inconsistency, and comparison keep you stuck Practical strategies to build trust and treat your money like a valued friend A simple reflection exercise to reframe your money habits without shame If you've ever felt like your financial life is chaotic, avoidant, or just plain complicated, this conversation will help you reset your mindset and build a healthier, more supportive relationship with your money. Keep up with the show by following us on Instagram @everyonestalkinmoney Thank you to our sponsors!  Policygenius - Head to policygenius.com to compare free life insurance quotes from top companies and see how much you could save.  Ava - Help build your credit score with Meetava.com. Use promo code: Money Learn more about your ad choices. Visit megaphone.fm/adchoices

What do Ponzi schemes, emotional spending, and IKEA shopping trips have in common? More than you think. In this Talkin' Money Unfiltered conversation, I sit down with financial therapist Rachel Duncan to explore the wild history of Charles Ponzi, why scams like Bernie Madoff's still happen today, and how “easy money” myths lure even the savviest investors. We also get personal about the emotional side of money—FOMO spending, consumerism as a hobby, and why it feels so intimate (and brave) to finally talk about money with friends. You'll walk away learning: Why Ponzi schemes are built on trust, community ties, and the promise of high returns Red flags to watch for when evaluating an investment opportunity How FOMO spending silently taxes your wallet and relationships Why patience—not quick wins—is the real path to financial security How talking openly about money can actually deepen friendships and relieve financial shame Listen to the podcasts we talked about: Easy Money: The Charles Ponzi Story Debt Heads Whether you've ever wondered how smart people get caught in scams, or you just want to feel less alone about your own money choices, this episode is a must-listen. Instagram @everyonestalkinmoney Thank you to our sponsors!  Policygenius - Head to policygenius.com to compare free life insurance quotes from top companies and see how much you could save.  Ava - Help build your credit score with Meetava.com. Use promo code: Money Learn more about your ad choices. Visit megaphone.fm/adchoices

What if success wasn't about doing more—but about thinking differently? In this episode, performance expert Alex Feinberg shares his unconventional but wildly effective approach to rewiring your brain, optimizing your energy, and achieving real success—without the burnout. Drawing from his experiences as a pro athlete, hedge fund analyst, and executive coach, Alex breaks down how to build daily wins that reinforce your belief in yourself, why perfectionism keeps you poor, and how to train your mind to outlast any setback. You'll walk away with: The truth about why your brain is wired to sabotage your goals—and how to override it Why most high achievers confuse productivity with progress A new way to think about financial risk, daily discipline, and dopamine management How to use the “King Pin” mental model to get more done with less stress The mindset shifts that separate successful people from those who burn out Whether you're an entrepreneur, a career climber, or just someone chasing a better way to live and work—this is your blueprint to staying in the game long enough to win. http://www.feinbergsystems.com Listen to Alex's podcast. Get Alex's cookbook. Keep up with podcast on Instagram @everyonestalkinmoney Thank you to our sponsors!  Policygenius - Head to policygenius.com to compare free life insurance quotes from top companies and see how much you could save.  Ava - Help build your credit score with Meetava.com. Use promo code: Money Learn more about your ad choices. Visit megaphone.fm/adchoices

On this episode of Everyone's Talkin' Money, I sit down with Riana Malia—Speaker, Author, and Reinvention Strategist—who helps high-achieving women stop recycling old patterns and start creating extraordinary results in life, love, and money. Riana shares how subconscious cycles quietly hold us back, why most goal-setting strategies fail, and what it really takes to move from “goal setter” to “goal getter.” We dive into her signature Clear to Create™ Method and Quantum Pattern Protocol™, which use neuroscience, quantum healing, and emotional re-patterning to clear out the “junk” that keeps you stuck. You'll hear: Why 90% of your thoughts are recycled—and how that sabotages success The hidden patterns that cause women to repeat the same money, career, and relationship struggles How to clear emotional blocks so you can finally set goals that stick Why reverse-engineering your goals is more powerful than traditional “SMART” goal-setting What it means to live in “full-spectrum self-expression” and align with your true identity If you've ever felt successful on paper but unfulfilled in reality, this episode will give you both the tools and the permission to create something different. https://quiz.rianamalia.com Be sure to keep up with the show on Instagram @everyonestalkinmoney Thank you to our sponsors!  Policygenius - Head to policygenius.com to compare free life insurance quotes from top companies and see how much you could save.  Ava - Help build your credit score with Meetava.com. Use promo code: Money Learn more about your ad choices. Visit megaphone.fm/adchoices

If part one revealed how obligations are draining your life, part two is your roadmap out. In this follow-up, we move from awareness to action with a practical, four-step framework designed to help you reclaim your time, energy, and money without guilt. From learning how to audit your calendar to mastering the graceful no, this episode is about building a life full of intentional yeses instead of draining shoulds. You'll walk away with: A step-by-step framework for breaking free from the obligation trap Scripts you can actually use to say no without guilt or excuses A strategy to prioritize relationships that truly matter Practical tips for building a calendar (and life) that reflects your values This is part two of our deep dive into obligation-based living — because you don't just deserve more free time, you deserve a life that feels like it's actually yours. Keep the conversation going with us on Instagram @everyonestalkinmoney. Thank you to our sponsors!  Policygenius - Head to policygenius.com to compare free life insurance quotes from top companies and see how much you could save.  Ava - Help build your credit score with Meetava.com. Use promo code: Money Learn more about your ad choices. Visit megaphone.fm/adchoices

Are you living your life on other people's terms? In this episode, we unpack the obligation trap — the endless cycle of weddings, work happy hours, family gatherings, and social “shoulds” that drain your money, your energy, and your joy. You'll hear why so many of us say yes when we want to say no, what it's actually costing us financially and emotionally, and how obligation-driven living keeps us disconnected from what really matters. You'll walk away with: A clear understanding of how obligations hijack your time, money, and energy The hidden opportunity cost of living by “shoulds” instead of values The cultural, social, and psychological roots of people-pleasing Real-life examples that show how obligation fatigue shows up in everyday life This is part one of a two-part series. Next time, we'll dive into the practical steps you can take to break free and start living on your own terms. Keep the conversation going with us on Instagram @everyonestalkinmoney Thank you to our sponsors!  Policygenius - Head to policygenius.com to compare free life insurance quotes from top companies and see how much you could save.  Ava - Help build your credit score with Meetava.com. Use promo code: Money Learn more about your ad choices. Visit megaphone.fm/adchoices

What if financial success wasn't the finish line—but the launching pad? In this powerful episode, Shari sits down with Brandon Broadwater, founder of Zallevo and creator of the Master Your Power Within framework, to unpack what it really means to live a purpose-driven life of prosperity. From breaking free of the middle-class mindset to building sustainable wealth that aligns with your deeper purpose, Brandon shares how to go from survival mode to a life of contribution, energy, and clarity. You'll walk away with: The three levels of living: Worldly, Honorable, and Valiant—and how to close the gap between them Why many financially “successful” people still feel unfulfilled A breakdown of the Prosperity Quadrant: poor, middle class, rich, and abundant The myth of “money's not important” and how that belief keeps you stuck Why residual income (not just more hustle) is key to freedom How to build prosperity through purpose—not burnout The #1 mindset shift that changes everything Follow Brandon on Instagram @broadwater.brandon Website: https://www.zallevo.com/ Follow Zavello on Instagram @zavello Keep up with Everyone's Talkin' Money on Instagram @everyonestalkinmoney Thank you to our sponsors!  Policygenius - Head to policygenius.com to compare free life insurance quotes from top companies and see how much you could save.  Ava - Help build your credit score with Meetava.com. Use promo code: Money Learn more about your ad choices. Visit megaphone.fm/adchoices

In this first Talkin' Money Unfiltered episode, Scarlett Stanhope (aka The Biz Hippie) joins me for a no-script, no-rules conversation about a question we should all be asking: is your money stress really about your circumstances… or is it about your mindset? We dig into the difference between what you can control and what you can't, why reframing sacrifice as choice changes everything, and how to stop feeling like a victim of your bills, grocery prices, or rent. Along the way, we share real-life examples — from CSA memberships to Cheez-It snack hacks — that prove small decisions can shift your whole financial perspective. You'll hear: How to tell if your money struggles are mindset-driven or truly circumstantial The hidden power in recognizing your everyday financial choices Why “sacrifice” can be a mindset trap — and how to turn it into empowerment Real-world examples of finding flexibility without feeling deprived Did you enjoy our unfiltered talk?! Let us know, leave a comment on Instagram @everyonestalkinmoney Follow Scarlett Stanhope and The Biz Hippie: Instagram: @scarlettthebizhippie Website: thebizhippie.com Thank you to our sponsors!  Policygenius - Head to policygenius.com to compare free life insurance quotes from top companies and see how much you could save.  Ava - Help build your credit score with Meetava.com. Use promo code: Money Learn more about your ad choices. Visit megaphone.fm/adchoices

Every generation loves to complain about the next one—lazy, entitled, wasting money on gadgets and brunch. But here's the truth: young adults today aren't just making different choices—they're playing a completely different financial game. In 1970, over half of 30-year-olds in America were married and owned a home. Today? Less than 15%. And it's not because everyone suddenly decided marriage and mortgages were overrated. It's the fallout from decades of policy decisions, wage stagnation, and skyrocketing costs that have made the old “American Dream” a whole lot harder to reach. In this episode, we're pulling back the curtain on the real reasons why hitting financial milestones looks different now, and why “just work harder” is the worst advice you can give someone trying to buy a home in today's economy. You'll hear: The shocking drop in homeownership rates for 30-year-olds since the 1970s How wages, housing prices, and student debt have completely shifted the financial landscape Why avocado toast is not the problem (and what actually is) How generational misunderstanding keeps us from creating solutions that work Practical ways both older and younger generations can bridge the gap It's time to stop blaming brunch and start looking at the real math. Thank you to our sponsors!  Policygenius - Head to policygenius.com to compare free life insurance quotes from top companies and see how much you could save.  Ava - Help build your credit score with Meetava.com. Use promo code: Money Learn more about your ad choices. Visit megaphone.fm/adchoices

We often applaud people who save aggressively, track every penny, and avoid debt at all costs. But what if those habits are actually symptoms of something deeper—something that's quietly holding them back? In this third episode of our Money Dysmorphia series, I'm joined by Ashley Franklin, Vice President of Branch Operations at SchoolsFirst Federal Credit Union, who breaks down the hidden emotional roots of financial behaviors that look healthy on the outside but may be quietly sabotaging our well-being. From over-saving and chronic budgeting to the fear of investing and the myth of “having enough,” this conversation is a powerful reality check. We talk about growing up with layaway, modern-day buy-now-pay-later traps, and the impact of comparison culture on our financial choices—especially for Millennials and Gen Z navigating money in an always-on, influencer-saturated world. You'll walk away with: A new understanding of how over-saving can create financial stress instead of security Why budgeting to the extreme can backfire—and how to build in breathing room The emotional roadblocks behind fear of investing How income ≠ wealth, and why self-worth often gets tangled in both The power of creating a “Board of Directors” for your life—and how to pick the right financial confidantes Why separating fact from feeling is the real key to healing money dysmorphia This one's for anyone who's ever wondered, “Am I being smart with my money… or just scared?” Let's unpack it together. Follow the show on Instagram  @everyonestalkinmoney Thank you to our sponsors!  Policygenius - Head to policygenius.com to compare free life insurance quotes from top companies and see how much you could save.  Ava - Help build your credit score with Meetava.com. Use promo code: Money Learn more about your ad choices. Visit megaphone.fm/adchoices

We don't just have money problems—we have money perception problems. In Part 2 of our three-part Money Dysmorphia series with Backbone, I'm joined by Melissa Burleson, a certified financial counselor at Tarrant County's Credit Union, who brings nearly 20 years of wisdom, service, and heart to this conversation. Melissa knows firsthand how money dysmorphia—our distorted view of our financial reality—can sabotage even the smartest budgeter or most determined saver. We talk about how money dysmorphia can swing both ways—from feeling constantly behind despite doing all the right things, to overspending and living beyond your means to project financial success. And Melissa shares powerful personal stories, real-life coaching moments, and practical tools to start shifting from emotional chaos to financial clarity. You'll walk away with: A deeper understanding of the emotional triggers behind overspending and avoidance How generational money beliefs and social media comparison fuel money dysmorphia Why many people tie their self-worth to a credit score—and how to break that cycle How to recognize when emotional thinking is clouding financial decisions What it takes to move from “I'm bad with money” to “I trust myself with money” Keep up with all things Everyone's Talkin' Money by following us on Instagram. If you loved what you heard, rate us 5 stars and like and follow us on your favorite podcast app! Thank you to our sponsors!  Policygenius - Head to policygenius.com to compare free life insurance quotes from top companies and see how much you could save.  Ava - Help build your credit score with Meetava.com. Use promo code: Money Learn more about your ad choices. Visit megaphone.fm/adchoices

Do you feel broke, even when your finances say otherwise? Or maybe you've been spending like you've already “made it”—but your bank account hasn't caught up? That distorted perception has a name: money dysmorphia. In this first episode of our special three-part series, I've partnered with Backbone, a national coalition of credit unions, to explore how emotional and psychological misperceptions around money are impacting millions of Americans—especially Millennials and Gen Z. Our guest is Nicole Andrushko, VP of Marketing at Westerra Credit Union, who's on the frontlines of financial storytelling and education. Nicole unpacks how social media, comparison culture, and pressure to hit traditional milestones are warping our self-perception—and how credit unions are stepping in to help people see the truth of their financial health and take confident steps forward. You'll walk away with: A clear understanding of what money dysmorphia is and how to spot it in yourself or others The real reason high-achieving, financially stable people still feel “behind” How credit unions are uniquely equipped to help people shift their mindset Simple, habit-based ways to start repairing your relationship with money Why emotional support is just as critical as financial tools in combating distorted financial thinking Keep up with everything Everyone's Talkin' Money by following us on Instagram. If you loved what you heard, give us a 5 Star review on your favorite podcast app and be sure to like and follow the show so you never miss an episode! Thank you to our sponsors!  Policygenius - Head to policygenius.com to compare free life insurance quotes from top companies and see how much you could save.  Ava - Help build your credit score with Meetava.com. Use promo code: Money Learn more about your ad choices. Visit megaphone.fm/adchoices

In Part 2, we go even deeper into the emotions that drive our financial behavior—especially when life doesn't go as planned. Shannah Game joins me to talk about emotional spending, identity confusion, and how to unlearn shame-filled money patterns. Plus, she shares her new creative direction: baking cupcakes named after emotions to spark real conversations about money, grief, and reinvention. You'll walk away learning How to recognize and reset emotional spending habitsWhy shame is the most expensive emotion we carryHow grief and money are deeply intertwinedHow to reconnect with your creative self—even if it feels lost Get Shannah's Book: Unraveling Your Relationship with Money. Follow Shannah on Instagram @shannahgame. Keep up with Everyone's Talkin' Money on Instagram. Learn more about your ad choices. Visit megaphone.fm/adchoices

What happens when you hit midlife and everything starts to shift—your hormones, your finances, your sense of self? In Part 1 of this two-part series, I sit down with former Everyone's Talkin' Money host Shannah Game for an unfiltered conversation about the emotional and financial realities of your 40s. From the unexpected cost of just trying to feel normal, to why massages and therapy are not "frivolous" expenses, we're breaking down the invisible taboos around women, money, and aging. You'll walk away learning: How perimenopause and midlife identity shifts affect your moneyWhy it's okay to spend on your emotional well-being—and how to do it intentionallyWhat the financial industry gets wrong about this chapter of lifeHow to create a “midlife money buffer” and budget for your future self Check out Shannah's new website heyshannah.com and follow her in Instagram for cupcakes, street convos and guidance on how to sort our the Messy Middle. As always, to keep up with everything Everyone's Talkin' Money follow us on Instagram. Learn more about your ad choices. Visit megaphone.fm/adchoices

You've been living your Rich Girl Summer — rooftop drinks, spontaneous getaways, joy on tap. But what happens when you come home... and your space just doesn't match the vibe? If walking through your front door makes you feel like the vacation ended the second you stepped inside, it's time for a home glow-up — without blowing your budget. In this episode, we're taking the Rich Girl Summer energy indoors with my signature system for creating a space that looks, feels, and smells like luxury — even if you're working with a Target budget and a thrift store aesthetic. I'm giving you the exact mindset shift and room-by-room strategies to elevate your home, plus the real timing secrets behind scoring designer-worthy pieces for less. You'll walk away learning: Why luxury is a feeling, not a price tag The “Rich Girl Home Audit” that instantly tells you what's off in your space How to make your bedroom feel like a boutique hotel (yes, even on a Tuesday) My monthly shopping calendar to snag the best deals all year long The 70-20-10 rule for home spending that saves you from buyer's remorse DIY and thrifting hacks that actually look expensive How to maintain a luxe vibe with just 10 minutes a day Whether you're a DIY queen or allergic to a glue gun, this episode will help you create a home that supports the life you're building — one intention, one pillow fluff, and one well-timed Facebook Marketplace find at a time. Keep the conversation going on Instagram @everyonestalkinmoney. And remember, your money should be a tool to live life on your terms — starting with where you wake up every single day. Learn more about your ad choices. Visit megaphone.fm/adchoices

What does it really take to go from a side hustle to a thriving, full-time business—especially when you're juggling a million other responsibilities? In this episode, I sit down with business coaches Melissa Pepin and Corry Frazier, founders of The Business Reboot, to unpack the mindset shifts and tactical moves every side hustler needs to start thinking like a CEO. You'll walk away learning: How to treat your side hustle like a real business, even while working full-time Why “just telling people once” doesn't count as marketing What branding actually means—and how to make it work for you How to start showing up online without feeling fake or performative Why midlife might be the best time to finally start that business And the one step to take this week to make your business vision real This is your roadmap to building something sustainable—without burnout, without perfection, and without waiting for someone to give you the green light. Learn more about Melissa and Corry at the Business Reboot Keep up with Everyone's Talkin' Money by following us on Instagram Learn more about your ad choices. Visit megaphone.fm/adchoices

Dylan Snowden's path to financial coaching wasn't exactly traditional—he went from disaster zones to comedy clubs to helping creatives stop the financial chaos. And thank goodness, because his insight on managing lumpy, unpredictable income is exactly what so many of us need. In this episode, Dylan breaks down how to make irregular income feel sustainable, why avoiding your money never helps, and how to finally feel in control—even if you're a freelancer, artist, or entrepreneur living project to project. We talk about the real cost of financial shame, setting up savings buckets (trust me, this one tip will change your life), and what to do with those “unusual months” with big expenses. Dylan is offering Everyone's Talking Money listeners ⁠ 20% discount on my two-session financial strategy package⁠. You'll walk away learning: How to create financial systems that work with irregular income—not against it Why your spending isn't actually unpredictable (you just haven't been tracking it right) How to use savings buckets to stop surprise expenses from blowing up your budget Why your financial habits won't magically improve when you earn more—and what to do instead A kinder way to start planning for future-you, one small step at a time Follow Dylan on Instagram Watch Dylan's episodes on YouTube Follow us on Instagram @everyonestalkinmoney Learn more about your ad choices. Visit megaphone.fm/adchoices

What if happiness isn't just a feeling — but a formula? In this mind-expanding episode, I sit down with Dr. Alphonsus Obayuwana — physician, scientist, happiness coach, and founder of the Triple-H Project — to break down his 30+ years of research into human hope, emotional well-being, and what really drives lasting happiness. We are discussing his new book: The Happiness Formula. He introduces the groundbreaking Triple-H Equation: Hope over Hunger = Happiness — and explains how it can reshape your relationship with money, your goals, and your emotional peace. You'll walk away learning: How happiness and hope are scientifically connected — and why one can't exist without the other What the five “human hungers” are and how they silently shape your financial stress How to calculate your Personal Happiness Index — and what your score says about your well-being Why people with financial success still feel unfulfilled — and how to change that Practical ways to increase your hope and reduce your emotional “hunger” starting today Why measuring your happiness is the key to improving it This is one of the most profound conversations I've had — and one that could completely reframe how you think about wealth, success, and peace of mind. Be sure to keep up with everything Everyone's Talkin' Money on Instagram.  Learn more about your ad choices. Visit megaphone.fm/adchoices

What if your child's allowance could be the launchpad to lifelong wealth? In this episode of Everyone's Talkin' Money, I sit down with April Taylor—financial coach, educator, and creator of the Junior Moguls Entrepreneur System to explore how parents can raise financially confident, entrepreneurial kids even if they don't have a business background themselves. You'll walk away knowing: -How kids naturally understand money—and when that relationship starts to shift -Why the way we talk about money shapes our kids' entire financial future -Creative ways to make saving fun in a cashless, digital world -The link between financial literacy and self-worth (and how early to start teaching it) -How to build new wealth traditions in your home, even if you're starting from zero -Why “we can't afford that” might be the most damaging phrase in your money vocabulary And the surprising financial habit that April swears by—even if it makes experts cringe Whether you're parenting a preschooler or a teenager, this episode will change the way you talk about—and teach—money at home. Be sure to keep up with Everyone's Talkin' Money on Instagram. Learn more about your ad choices. Visit megaphone.fm/adchoices

Think traveling on a budget means sacrificing joy, spontaneity, or luxury? Think again. In Part 2 of our Rich Girl Summer Travel series, we're leveling up. I'm walking you through my favorite advanced travel strategies—ones that make you feel like a savvy world traveler, not a spreadsheet-toting tourist. You'll hear: How to travel hack like a pro (without becoming a full-time points nerd) Simple ways to stay on budget while living your best life on vacation How to actually enjoy your trip without bringing home financial regret The post-travel money moves that help you plan smarter next time How to start a travel fund this week—yes, even with just $10 If you've ever wondered how some people seem to travel all the time without going broke, this is the episode that spills the (very budget-friendly) secrets. Make sure to catch Part 1 if you haven't already—and next week we're taking it home (literally) with Rich Girl Summer: Home Edition. Because coming home should feel just as luxe as your time away. Don't forget to follow the show on your favorite podcast app so you never miss an episode, also, please leave a quick 5-star rating and review to help reach more people. Keep the conversation going on Instagram @everyonestalkinmoney. It's not about spending less—it's about spending right. Let's get you on that plane. Learn more about your ad choices. Visit megaphone.fm/adchoices

Ever feel like you're following all the “right” financial steps and still feel stuck? You're not alone — and today's episode proves it. Shari sits down with Misty Lynch, CFP®, the powerhouse behind Demystifying Money and the reality show HEARTBROKE, to talk about how to ditch stale money myths and build a money plan that actually fits your life. You'll walk away knowing: Why traditional financial advice often backfires for real people The #1 thing to do first if you feel overwhelmed by money How your money mindset shapes your financial confidence Why money fights with your partner usually aren't about money at all How to balance saving for tomorrow and enjoying your life today Don't miss Part 2 of this conversation on Misty's podcast, Demystifying Money. Follow it wherever you get your podcasts so you can catch the rest of our chat! Learn more about your ad choices. Visit megaphone.fm/adchoices

Learn how to travel like you're rich without the rich girl budget! In this episode, we break down the 5 mindset shifts that transform expensive vacations into affordable luxury travel experiences. Discover the complete planning framework that saves hundreds on flights, accommodations, and activities. From off-season travel secrets to the 50/30/20 budget rule, get the exact strategies to plan bougie getaways without credit card debt. Perfect for budget travel beginners, digital nomads, and anyone who wants to travel more for less. For more money talk and tips, follow us on Instagram @everyonestalkinmoney Topics include: travel budgeting tips, cheap vacation planning, luxury travel hacks, off-season destinations, house swapping, Airbnb alternatives, flight booking strategies, and debt-free travel planning. Learn more about your ad choices. Visit megaphone.fm/adchoices

What if the real secret to growing your business and your bank account isn't more hustle, but less? In this mind-expanding conversation, Dr. Nona Djavid breaks down how she turned a burned-out chiropractic practice into multiple seven-figure ventures — all while working just one week a month. You'll walk away knowing: How to collapse time and get bigger results in half the time you think you need Why your nervous system — not your to-do list — might be your biggest growth bottleneck The four steps to aligning your identity, frequency, and vision for true financial freedom How to spot your hidden wealth ceiling and reprogram it for your next level What it really takes to become the CEO of your vision instead of the overworked operator of your business This one is for every entrepreneur, side hustler, or closet visionary who's ready to stop trading time for money and start designing life on their terms. Check out Nona's podcast, The Unreasonable Life. Follow Nona on Instagram @nonadjavid Be sure to keep up with everything Everyone's Talkin' Money by following us on Instagram @everyonestalkinmoney Learn more about your ad choices. Visit megaphone.fm/adchoices

Ready to break up with boring money talk? Welcome to Everyone's Talkin' Money — your new go-to for honest, jargon-free conversations about money and life. Hosted by an award-winning financial advisor, Shari Rash, who actually gets your real life (no latte-shaming here!), this show goes way beyond budgets and spreadsheets. Tune in for smart solo episodes and unfiltered expert interviews that decode how money really impacts your stress, happiness, relationships, and dreams. You'll learn how to take care of your money without giving up what makes life sweet. New episodes drop three times a week — hit follow and get one conversation closer to living life on your terms. Learn more about your ad choices. Visit megaphone.fm/adchoices

Ever catch yourself staring at your overstuffed closet thinking, “How did I spend so much and still feel like I have nothing to wear?” Or scrolling your Amazon order history and realizing half of it is basically regret with free shipping? You're not alone — and you're definitely not the only one tossing money at quick fixes that don't last. In this episode of Everyone's Talkin' Money, Shari breaks down the timeless truth behind “buy it right or buy it twice.” We're tossing out the guilt and rewriting your spending strategy — because you deserve purchases that actually hold up and hold meaning. From shoes that save your back to greeting cards that should never cost seven bucks, this episode is your permission slip to blend value and values, spend intentionally, and stop wasting your money on stuff you secretly hate. You'll walk away knowing:  Where it makes sense to splurge so you're not replacing junk every year  When “cheap and cheerful” is actually the smarter move  How to build a personal spending filter you'll actually stick with  Why buying better is really about your future self — not the price tag Ready to spend with confidence and stop the “buy it twice” cycle? Press play — your wallet will thank you. Learn more about your ad choices. Visit megaphone.fm/adchoices

Are Americans sacrificing their financial future for Instagram-worthy experiences? Not quite. In this episode, Mary Hines Droesch, head of Consumer, Small Business & Wealth Management Banking at Bank of America reveals surprising data about how consumers are navigating the tension between rising living costs and their desire to travel and attend live events. You'll discover: Why 74% of Americans still plan summer vacations despite inflation How "destination dupes" are changing the travel landscape The real reason people are choosing road trips over flights (hint: it's not just about money) Why concerts and sporting events have become travel destinations Whether Americans are going into debt to fund their wanderlust Smart strategies for reverse budgeting your next trip You'll walk away learning: The shift from goods to experiences isn't just a trend—it's a fundamental change in how we value money Social media is driving the "escapism economy" more than we realize Americans are proving to be surprisingly resilient and responsible with their finances The rise of "experiential gifts" is changing how families think about spending Whether you're trying to plan your next vacation on a budget or wondering if your travel spending is getting out of hand, this episode offers practical insights backed by real consumer data. Be sure to keep with with Everyone's Talkin' Money by following us on Instagram  @everyonestalkinmoney Learn more about your ad choices. Visit megaphone.fm/adchoices

What if the key to financial freedom isn't earning more money, but buying less stuff? In this eye-opening conversation, which is part two of a two-part episode, Stephanie Seferian, host of Sustainable Minimalists podcast, reveals how our culture has trained us to work harder just to afford things we don't actually need. Be sure to check out part one of our conversation on Stephanie's podcast Sustainable Minimalists.  From targeted algorithms that prey on our insecurities to the myth that "new is always better," Stephanie breaks down the psychology behind overconsumption and shares her incremental approach to minimalism that doesn't require dramatic lifestyle changes. We explore how minimalism isn't about deprivation—it's about intentional curation and remembering that stuff exists to serve us, not the other way around. Whether you're drowning in clutter, struggling with the mental load of managing endless possessions, or just tired of working to pay for things that don't add real value to your life, this episode offers practical strategies to break free from the consumption cycle and use your money more intentionally. You'll walk away learning: Why we've been trained to buy new (and why secondhand is actually better) The connection between mental load and physical clutter How to put barriers back up to mindless purchasing The difference between needs and manufactured desires Practical strategies for breaking the buy-declutter-repeat cycle Learn more about Stephanie by visiting her website mamaminimalist.com Keep up with Everyone's Talkin' Money on instagram @everyonestalkinmoney  Learn more about your ad choices. Visit megaphone.fm/adchoices

In this candid conversation, wealth advisor Tiffany Irving shares her journey as the breadwinner in her family while her husband has been a stay-at-home dad for over 20 years. We explore the financial strategies, mindset shifts, and relationship dynamics that make this arrangement work. You'll walk away learning: How role reversal can accelerate career growth and wealth building Financial protection strategies for stay-at-home partners Navigating judgment and social stigma around non-traditional family roles Money management tips for breadwinner women The importance of financial education and emergency planning Finding the right financial advisor when you're a high-earning woman Protecting yourself legally and financially in relationships with income gaps This episode is perfect for: High-earning women, couples considering role reversals, anyone interested in modern approaches to financial partnerships, and those seeking expert wealth management insights. Be sure to follow us on Instagram @everyonestalkinmoney to keep up with everything Everyone's Talkin' Money Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of Everyone's Talkin' Money, I sit down with Doug Lynam — Marine Corps officer turned monk turned financial advisor — to explore how your Enneagram type influences your financial habits. Doug unpacks how your core personality patterns, fears, and emotional wiring shape everything from your earning style to your giving habits. You'll walk away learning: Why your Enneagram type can help you stop self-sabotaging your financial goals How money wounds form — and why they show up in your daily spending, saving, and earning choices What “money monsters” are and how to spot yours before they take the wheel How to use wealth as a force for good and break generational cycles of money trauma Doug also shares powerful insights from his upcoming book Taming Your Money Monster: 9 Paths to Money Mastery with the Enneagram, including practical ways to identify your type and create a plan for ethical wealth building. Pre-order now for July 2025. Get Doug's first book From Monk to Money Manager: A Former Monk's Financial Guide to Becoming a Little Bit Wealthy-and Why That's Okay Stay in the know with everything ETM by following us on Instagram @everyonestalkinmoney Learn more about your ad choices. Visit megaphone.fm/adchoices

In this deeply honest episode of Everyone's Talkin' Money, Shari sits down with Dr. Rachel Piltch-Loeb — public health expert and author of The Millennial Caregiver — to explore the hidden reality of caregiving during the busiest years of your life. You'll walk away learning: You're not alone — why millennials are increasingly becoming caregivers and why it feels so shocking How to have critical conversations with aging parents early, before a crisis hits Practical strategies for balancing caregiving, parenting, and work without burning out The financial truths of caregiving — what you need to budget for now and how to set boundaries Skills caregiving builds that you should add to your resume How to use social media thoughtfully on your caregiving journey Whether you're already in a caregiving role or know it's on the horizon, this episode will help you feel seen, supported, and prepared. Buy Rachael's Book: The Millennial Caregiver: Caring for Loved Ones in the Busiest Years of Your Life Learn more about Rachael at: https://www.rpiltchloeb.com/ Stay up to date with everything Everyone's Talkin' Money on Instagram at  @everyonestalkinmoney Learn more about your ad choices. Visit megaphone.fm/adchoices

When did having fun start feeling so damn expensive? From $80 dinners to group trips that quietly blow your budget, summer socializing can leave your wallet crying in the corner. But guess what? You don't need to overspend to feel connected, joyful, or rich in your relationships. In this episode, we're redefining luxury and reclaiming connection—without the credit card hangover. This is Rich Girl Summer: Social Edition—your ultimate guide to fun, fulfilling, and financially aligned social moves. We're talking progressive potlucks, walk + talk therapy, beauty swaps, game nights that slap, and how to gracefully opt out of overpriced plans that don't serve you. We also dive into the powerful role your inner circle plays in your financial health—and how to build friendships that fill you up instead of draining your time, money, and emotional energy. And for the cherry on top? We're romanticizing the everyday. Because free joy? Still rich girl energy. You'll walk away learning: How to create fun, low-cost social plans that feel luxe How to say “no” to expensive invites—without guilt How to audit your friendships for alignment and mutual support Creative ways to connect that support your financial goals How to turn solo time and small rituals into luxury experiences This episode is part inspiration, part pep talk, part practical guide to having a rich summer in every sense of the word—without going broke in the process. Follow the show on your favorite podcast app so you never miss an episode. Leave a quick rating and review to help us reach more amazing listeners. Keep the conversation going on Instagram @everyonestalkinmoney. Remember: Money should be a tool to live life on your terms. Learn more about your ad choices. Visit megaphone.fm/adchoices

What happens when you get everything you thought you wanted—and you still feel exhausted, invisible, or like it's not enough? In this episode, I sit down with executive coach, author, and chronic illness advocate Amina AlTai to talk about the ambition trap that so many women find themselves stuck in. We're talking burnout, people-pleasing, invisible labor, and the deeply ingrained systems that convince us our worth is tied to how much we produce. Amina shares insights from her new book The Ambition Trap: How to Stop Chasing and Start Living, including why redefining ambition is key to healing, how codependency and chronic overachievement are related, and what high-performing women often get wrong about success. If you've ever felt like you're doing everything and it's still not enough—this conversation is your wake-up call and your permission slip to do it differently. In this episode, you'll walk away learning: How the cultural definition of ambition keeps women stuck in burnout cycles Why burnout isn't a personal failure—it's a systemic setup The hidden cost of invisible labor, especially for women and mothers How your core wounds shape your ambition, your money mindset, and your relationships A practical framework to move from painful ambition to purposeful ambition Why even women who “have it all” still struggle to believe in their zone of genius—and how to reclaim it Follow Amina on Instagram @aminaaltai Stay up to date with everything Everyone's Talkin' Money on Instagram @everyonestalkinmoney Learn more about your ad choices. Visit megaphone.fm/adchoices

In this powerful conversation, Shari sits down with Andres Lares, Managing Partner and CEO of Shapiro Negotiations Institute (SNI), to talk about what it really takes to become a confident, skilled negotiator in both business and life. From teaching at Johns Hopkins to consulting with major sports franchises and leading tech companies, Andres brings a unique perspective on persuasion, performance, and practical success. In this episode, we discuss: – Why negotiation isn't about being aggressive—it's about being strategic – The science behind persuasion (and how to use it ethically) – The one mindset shift that will instantly make you a better negotiator – How to overcome negotiation anxiety and self-doubt – Real-world negotiation tips you can use in your next raise request, contract discussion, or tricky conversation – How virtual reality and AI are transforming the way we train negotiation skills You'll walk away with: A framework for approaching every negotiation with confidence and clarity Tools to communicate your value without second-guessing yourself Insights from one of the most respected negotiation experts in the country Permission to stop winging it—and start negotiating with purpose Learn more about your ad choices. Visit megaphone.fm/adchoices

What if this summer wasn't just about Aperol spritzes and beach days—but also about building the kind of wealth that sticks? In this solo episode, Shari kicks off your Rich Girl Summer with real-talk financial and lifestyle moves that boost your net worth and your peace of mind. Forget the hype around luxury for show—this is about intentional habits, small wins, and making your future self proud. You'll walk away with: A smarter system for managing your bank accounts and subscriptions Easy, impactful upgrades to your Roth IRA, emergency fund, and insurance Practical tips for decluttering your closet, your calendar, and your mind Low-key life tasks that save you real money (like getting your taxes in order now) Mindset shifts that turn therapy, boundaries, and maintenance into financial power moves This isn't about deprivation—it's about alignment. And it's your permission slip to spend your summer building a life that feels rich in every way. Follow the show on your favorite podcast app so you never miss an episode. Leave a quick rating and review to help us reach more amazing listeners. Keep the conversation going on Instagram @everyonestalkinmoney. Remember: Money should be a tool to live life on your term Learn more about your ad choices. Visit megaphone.fm/adchoices

If wealth is up, why is happiness down? In this soulful episode of Everyone's Talkin' Money, Shari sits down with educator and award-winning author Jeff Golden to explore one of the biggest contradictions in modern life: we have more money than ever, yet we're more disconnected and unfulfilled. Drawing from his book Reclaiming the Sacred, Jeff shares how we've been conditioned to chase the wrong things—and how to realign with what truly matters. You'll hear: Why money only accounts for 2–4% of happiness What really drives our well-being (and it's not what you think) How our culture of consumption is numbing us, not fulfilling us What “enough” actually looks like—and how to know when you've reached it Why micro-actions are more powerful than big life overhauls How to model a healthier money narrative for your kids (and yourself) Reclaiming the Sacred, Healing Our Relationships with Ourselves and the World was named Best Environmental Book of 2023 by IndieReader, and winner of the Grand Prize at the Nautilus Book Awards (previous winners include the Dalai Lama, Brené Brown, and Barbara Kingsolver). Buy Jeff's Book: Reclaiming the Sacred Follow us on Instagram: @everyonestalkinmoney Learn more about your ad choices. Visit megaphone.fm/adchoices

What if you're not broke—you're just pre-rich? In this powerhouse episode of Everyone's Talkin' Money, Shari sits down with Rachel Rodgers—CEO and founder of Hello Seven, wealth coach to thousands, and bestselling author of We Should All Be Millionaires and her latest, Future Millionaire—to talk about what it really takes to create wealth in a world that wasn't built for you. Rachel is a trailblazer helping women, BIPOC, and LGBTQIA communities build seven-figure businesses and dismantle the generational cycle of overworking and under-earning. Her latest book, Future Millionaire, is designed to empower the next generation with the tools, mindset, and strategy to make wealth inevitable—and trust me, it's not just for the teens. You're going to want this roadmap too. We talk about abundance without delusion, raising money-smart kids in a cashless world, and how to finally stop shrinking your dreams to fit your paycheck. YOU'LL WALK AWAY LEARNING: Why Rachel says wealth is a choice—but not without calculated risk How to talk to your kids about money in a way that's real, relatable, and builds financial confidence Why Gen Z isn't lazy—they're overwhelmed, and what they need instead of shameHow to use a job as seed capital—not a financial destination What Rachel means by “million dollar decisions” and how to start making them now How parents can shift from financial gatekeepers to financial guides Why saving isn't the only goal—and sometimes spending is the smarter move What it takes to build wealth as an adult when you feel like you're already behind The money conversations every family needs to start having ASAP CONNECT WITH RACHEL RODGERS: Website: https://www.helloseven.co Instagram: @rachrodgersesq Book: Future Millionaire (Available wherever books are sold) More Books & Resources: We Should All Be Millionaires, Million Dollar Habits, Plan Your Year Like a Millionaire, Six Figure Side Hustle Follow the show on your favorite podcast app so you never miss an episode! Please leave a quick rating and review to help us reach more listeners like you Keep the conversation going on Instagram @everyonestalkinmoney And remember: money should be a tool to live life on your terms—not a source of guilt or confusion Learn more about your ad choices. Visit megaphone.fm/adchoices

You've got the budget app. You're reading the personal finance books. You know what you should be doing with your money—so why does it still feel so hard to follow through? In this episode of Everyone's Talkin' Money, Shari breaks down six sneaky psychological biases that shape your money decisions without you even realizing it. From anchoring to optimism bias, these aren't personal flaws—they're predictable brain glitches. But once you spot them, you can stop them. You'll walk away understanding: What anchoring bias is and why it makes that $100 dress feel like a steal (when it's not) Why the fear of losing money feels worse than actually losing it—and how that keeps you stuck How your brain protects old money stories through confirmation bias Why instant gratification keeps winning, even when your future self is begging you to chill How optimism bias tricks you into thinking “next month” will magically fix everything Why social proof bias is fueling lifestyle creep—and what to do instead This is the episode that will make you pause mid-scroll, mid-spend, or mid-self-doubt and say, “Ohhhh, that's what's going on.” If any of these biases hit home, share the episode with a friend and DM Shari @everyonestalkinmoney to keep the conversation going Learn more about your ad choices. Visit megaphone.fm/adchoices

Scarlett Stanhope, better known as The Biz Hippie, helps coaches, creatives, and conscious entrepreneurs heal their relationship with money and finally feel supported by their businesses. In this raw and powerful conversation, Scarlett opens up about the dark side of doing everything “right” financially—and how it nearly broke her. In this episode, we discuss: How childhood experiences shaped Scarlett's perfectionism and money patterns Why saving without purpose is just another form of self-protection The real reason making more money doesn't fix money problems How unspoken scarcity beliefs show up in your pricing, marketing, and sales calls Scarlett's 3-part framework for identifying and healing money scarcity at its root How to align your pricing with your value (without fear, guilt, or second-guessing) Why “legit business owner energy” starts with knowing your numbers And how to balance intuitive money decisions with strategic action You'll walk away learning: How to uncover and challenge your internal “scarcity seeds” Why being good at saving doesn't always mean you're good with money What “energetic alignment” has to do with pricing your services Why you might be repelling clients without even knowing it The difference between hustle energy and grounded abundance How to finally feel safe in your business—even during a slow month Follow Scarlett Stanhope and The Biz Hippie: Instagram: @scarlettthebizhippieWebsite: thebizhippie.com Let's keep the conversation going on Instagram @everyonestalkinmoney Learn more about your ad choices. Visit megaphone.fm/adchoices

Is feeling “broke” a mindset—or a money problem? In this eye-opening episode of Everyone's Talkin' Money, I'm joined by Tiffany Grant, AFC®, creator of Money Talk With Tiff and a nationally recognized voice in personal finance education. Tiffany gets honest about what it really takes to move from financial anxiety to clarity—and how to stop letting shame or unrealistic goals derail your progress. We talk about the emotional baggage we bring to our finances, the myths about debt and income that need to die already, and how a little creativity—hello, gamification—can completely change your budgeting experience. Tiffany also opens up about her own debt journey, including what happened when she didn't hit her goal of being debt-free by 30—and why she now sees that as a win. If you're tired of “six-figure salary” hype, comparison traps, or beating yourself up for not being perfect with money, this episode is the mindset reset you didn't know you needed. You'll walk away with: A new perspective on what being “broke” really means Tactical ways to document and take inventory of your finances How self-talk impacts your money habits and confidence Why gamifying your budget could be the trick to staying consistent The power of redefining financial goals when life throws curveballs The difference between using credit as a tool versus as income Permission to ditch the shame and take small, intentional steps forward How to personalize your path to financial freedom Tips for questioning financial advice that doesn't fit your life A reminder that kindness to yourself is key on this journey Resources + Connect with Tiffany: Website: moneytalkwitht.com Podcast: Money Talk With Tiff Instagram: @moneytalkwitht YouTube: Money Talk With Tiff Twitter: @moneytalkwitht TikTok: @moneytalkwitht Facebook: Money Talk With Tiff Pinterest: Money Talk With Tiff Instagram @everyonestalkinmoney Learn more about your ad choices. Visit megaphone.fm/adchoices

Minimalism isn't about cold white walls, tossing your kid's favorite toys when they're not looking, or never buying another throw pillow again. It's about being radically intentional with your space, your time, and your money — and learning how to clear what's cluttering your life, both physically and emotionally. In this episode of Everyone's Talkin' Money, Shari sits down with globally recognized home organizing expert and bestselling author Shira Gill, whose books Minimalista, Organized Living, and LifeStyled have transformed how people across the world think about clutter. Together, they unpack what minimalism really looks like (hint: it's not about deprivation), how to raise kids who value their things without hoarding them, and how simplifying your home can lead to greater financial confidence, more time, and more freedom. Whether your kitchen counter is your current catch-all or your closet is basically a time capsule, this episode will help you get unstuck and start fresh — no color-coded labels required. In this episode, we discuss: How minimalism is actually about radical intention, not restriction Shira's "one in, one out" rule that keeps chaos in check The hidden emotional and financial costs of clutter How disorganization leads to overbuying, time scarcity, and missed bills Simple organizing systems you can implement today (hello, action basket!) Why letting go of items can actually create abundance How to involve kids in the decluttering process without the meltdowns The connection between a clean space and better decisions — even with food and money You'll walk away with: An empowering definition of minimalism that doesn't require a beige aesthetic One simple habit to stop the clutter before it starts Why the “one in, one out” rule is a game-changer — especially with kids How clutter leads to overbuying, time stress, and even financial disorganization The emotional cost of keeping stuff “just in case” How to set up an action basket and donation system that creates instant relief Why getting organized boosts confidence, wellness, and even helps you eat better How to finally let go of items you think you might sell — without guilt Learn more about Shira Check out her bestselling books: Minimalista Organized Living LifeStyled Follow Shira on Instagram: @shiragill Let's keep the conversation going! Follow Everyone's Talkin' Money on Instagram: @everyonestalkinmoney Visit everyonestalkinmoneypodcast.com for more episodes, resources, and to join our email list! Learn more about your ad choices. Visit megaphone.fm/adchoices

Why do we keep making money decisions that go against our best interests? In this episode, I'm sitting down with Hanna Horvath, Certified Financial Planner (CFP®) and financial psychology expert, to unpack why our brains are literally wired to sabotage our financial goals—and what we can do to change that. Hanna shares powerful insights from her work as the creator of “Your Brain on Money,” explaining how cognitive biases like loss aversion and decision fatigue impact everything from investing to impulse spending. We also dive into why more money doesn't automatically equal more peace, how to align your financial habits with your core values, and practical strategies to work with your brain rather than against it. Plus, Hanna reveals the simple mindset shifts that can help you spend without guilt, stop financial perfectionism in its tracks, and finally break free from those unconscious money scripts that are keeping you stuck. You'll hear: Why our brains are wired to make terrible financial decisions The connection between money anxiety and identity How to set up financial guardrails that align with your values The role of decision fatigue in impulsive spending How to separate self-worth from net worth You'll walk away knowing: Our brains are hardwired to make poor money choices. Loss aversion can lead to irrational financial behaviors. Understanding the emotional aspects of money is crucial. Automating financial decisions can reduce decision fatigue. Creating guardrails helps in making better financial choices. The digital age has made spending frictionless and impulsive. Investing can feel less tangible and more emotional than spending. Self-compassion is key in financial decision-making. Recognizing the disconnect between financial reality and emotions is important. Labeling oneself as 'bad with money' can be counterproductive. Practice self-compassion in financial behavior. Financial habits are a journey, not a destination. Social media heightens financial anxiety. Follow Hanna for more financial psychology insights. https://yourbrainonmoney.substack.com/ Website: https://www.hannahorvath.com/ Instagram: https://www.instagram.com/yourbrain_onmoney/ Youtube: https://www.youtube.com/@yourbrainonmoney LinkedIn: https://www.linkedin.com/in/hanna-riley-horvath/ Tiktok: https://www.tiktok.com/@yourbrainonmoney Don't forget to follow us @everyonestalkinmoney for more money mindset content. Learn more about your ad choices. Visit megaphone.fm/adchoices

Welcome to Part 2 of one of the most important and personal episodes of Everyone's Talkin' Money. In Part 1, we exposed the damaging belief that your self-worth is tied to your net worth—and now, it's time to do something about it. In this episode, I walk you through my four-part Separation Process—a framework to help you shift from financial shame to clarity, resilience, and empowerment. You'll learn how to rewire the way you see yourself in relation to money, so you can stop letting your bank balance dictate your self-esteem and finally take back your financial power. You'll walk away with: The Separation Process:Step 1 – Separate the Math from the Meaning. Learn how to treat your finances as data—not a moral scorecard—so you can make money decisions without shame. Step 2 – Inventory Your Non-Financial Value. Make a list of 10 ways you add value to the world that have nothing to do with money—and keep it close for tough days. Step 3 – Redefine Success on Your Terms. Ditch society's hustle metric and reimagine what success looks like when it aligns with your values. Step 4 – Practice Compassionate Reality. Handle financial challenges with truth and grace, so you're solving problems—not attacking your own self-worth. Plus: The Worth Resume – a powerful tool to track the value you bring to the world that's not on a spreadsheet Self-Worth Buffers – five daily practices that build emotional resilience and protect your identity from financial stress Real-Life Scenarios – practical scripts and strategies for common situations where self-worth and money get tangled: We will discuss: Social comparison on Instagram Financial setbacks or mistakes (like missed payments) Saying “no” to spending you can't afford Having hard money convos with partners or family Even celebrating financial wins without letting them define you This episode is your emotional toolkit for making money decisions from strength, not shame. You are not your balance sheet—and today, we're putting that truth into action. Follow us on Instagram: @everyonestalkinmoney Create your Worth Resume and tag us using #WorthBeyondWealth Missed Part 1? Go back and start there—it lays the emotional groundwork for everything you hear today Learn more about your ad choices. Visit megaphone.fm/adchoices

We need to talk about the belief that's quietly running the show in so many of our financial lives: the idea that your bank account determines your value as a person. In Part 1 of this two-part solo episode, we're digging deep into the emotional roots of this toxic money narrative—and why it's costing you far more than just dollars. If you've ever avoided checking your bank balance out of shame, felt behind because of debt, or judged your worth by your income—this episode is for you. You'll walk away with: A clear understanding of how our culture ties money to identity—and why that's so damaging Examples of how financial shame sabotages your decisions, relationships, and confidence Validation that your money story is not your fault—but it is something you can rewrite The first powerful mindset shift you need before making any lasting financial change This episode is the foundation—the truth-telling, soul-stirring conversation that sets the stage for healing. In Part 2, we'll dive into the actionable tools and practices to reclaim your worth and start making empowered money choices. Follow us on Instagram: @everyonestalkinmoney Share your thoughts using the hashtag #WorthBeyondWealth Want to start separating your worth from your finances? Make your non-financial value list and tag us in it! Don't miss Part 2 where we walk through the full Separation Process—subscribe now so it drops right into your feed. Learn more about your ad choices. Visit megaphone.fm/adchoices

What if the reason you're stuck isn't your budget—but the fact that you started with one? I'm joined by Dr. Annie Cole, founder of Money Essentials for Women, who turned a $26K social work salary into $1 million in real estate, nearly $400K in investments, and shaved 20 years off her retirement date—all before turning 40. Her secret? A radically different approach to wealth building that doesn't start with pinching pennies. Annie walks us through her 5-Step Wealth Framework, including how to create a financial vision that actually aligns with your life, the real reason high-earning women still feel broke, and why investing just $1 could be the best place to start. In this episode we discuss: A clear understanding of why budgeting is not your starting line The mindset shift that took Annie from broke to financially free Three different ways to structure your budget based on your life goals Why your income isn't the biggest factor in wealth-building—and what is  How to start investing today (even if you're scared and have no idea where to start) How to break free from outdated financial beliefs that keep women playing small The #1 habit that accelerated Annie's wealth and financial freedom How to spend under your means without feeling restricted Why financial planning > penny pinching How to release shame and take control, even if you're starting from zero Learn more and connect with Annie: Website: https://money-essentials.com Instagram: @moneyessentialsforwomen You'll Walk Away Knowing:  Budgeting is often seen as restrictive and can keep people stuck. A life vision is essential for effective financial planning. Financial goals should align with personal values and aspirations. Income alone does not equate to financial freedom. Investing is crucial for building wealth and passive income. Creating a financial plan can empower individuals to make intentional decisions. Unexpected expenses are a part of life; having a buffer is important. Mindset shifts are necessary for overcoming financial limitations. Women often hold outdated beliefs about money and work. Money coaching fills the gap between financial advice and personal finance education. Here is that blog post I wrote that answers the question "How Do I Start Investing?" If you love what you heard, please be sure to rate and review the podcast. Also, keep in the loop by following us on Instagram at @everyonestalkinmoney Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of Everyone's Talkin' Money, I sit down with Angela Williams, a licensed therapist, leadership mindset coach, and founder of AngelaMarie.co. Angela specializes in helping high-profile leaders break through emotional and financial barriers to reach their full potential. We dive deep into how childhood beliefs around money can unknowingly drive financial habits in adulthood—and how to rewrite those scripts for good. You'll hear: How subconscious money beliefs formed in childhood can sabotage financial success in adulthood Why high-achieving women often struggle to feel financially “enough” despite their outward success How unresolved emotional wounds can manifest as financial overspending, burnout, or playing small A practical exercise to identify the limiting beliefs that are blocking you from financial freedom You'll walk away learning:  Why the concept of legacy extends far beyond money—and how to create impact that lasts for generations How subconscious beliefs around money formed in childhood can silently drive financial habits in adulthood Why striving for financial success can actually be a way of avoiding unresolved emotional wounds How to identify the sneaky money beliefs that keep high-achievers feeling financially “not enough” Practical steps to uncover and reframe limiting beliefs about money, wealth, and self-worth Why your financial legacy isn't just about money—and how to redefine what impact looks like for you Get your Money Blueprint, follow Angela's work at AngelaMarie.co and tune into her podcast, The Bigger Braver Life Show, where she explores how leaders can step into their next level with confidence. And don't forget—hit that follow button so you never miss an episode, leave a quick rating and review, and join us on Instagram @everyonestalkinmoney for more money conversations that matter. Learn more about your ad choices. Visit megaphone.fm/adchoices

I'm joined by Rod Griffin, Senior Director of Public Education and Advocacy at Experian, to unpack some surprising insights from their latest survey on paying off debt. You'd think paying down debt would instantly feel like a weight lifted – but for many, it's not that simple. Rod shares why some people don't feel that immediate impact and what you can do to make the most of your financial progress. In this episode we discuss:  The unexpected emotional disconnect some people experience after paying off debt. Why a three-month period may be key to fully feeling the benefits of being debt-free. How mindset shifts – not just willpower – are essential for staying out of debt. Why having cash on hand might not prevent people from taking on more debt. How social media can fuel unnecessary spending and financial pressure. The concept of quiet debt and why so many people struggle to talk about it. How open conversations about money can alleviate shame and guilt. The critical difference between credit and debt – and why that distinction matters. You'll walk away knowing: Paying off debt can have emotional benefits, but not everyone feels a significant change immediately. A three-month period is often needed to fully feel the impact of paying off debt. Mindset shifts are crucial for staying out of debt; willpower alone isn't enough. Having cash on hand may not prevent people from taking on debt. Social media can create pressure to keep up with others, leading to unnecessary spending. Finding personal anchors and understanding true needs can help manage debt. People are looking for ways to both reduce expenses and increase income to manage debt. Quiet debt refers to hidden financial struggles that people often don't discuss. Shame around money is common, but open conversations can relieve that pressure. Credit and debt are different; understanding this can help manage finances better. Follow the show so you never miss an episode, and keep the conversation going on Instagram @everyonestalkinmoney. Learn more about your ad choices. Visit megaphone.fm/adchoices

Ever feel like you're wearing a mask of success but underneath, you're drowning in self-doubt? You're not alone. In this episode, I sit down with Kamini Wood, CEO of Live Joy Your Way and founder of AuthenticMe® Life Coaching, to uncover why so many of us feel like imposters despite our accomplishments. Kamini shares her personal journey from chronic people-pleaser to self-worth advocate and the strategies she uses to help high achievers reclaim their power and stop outsourcing their value. We dig into why imposter syndrome isn't just a buzzword, how to break free from the trap of perfectionism, and why acknowledging your wins is more than just self-care — it's self-leadership. You'll hear: The truth about imposter syndrome and why it's more common than you think How Kamini shifted from feeling like she wasn't enough to embracing her worth The surprising connection between perfectionism and financial stress Why we struggle to celebrate our wins — and how to start doing it right now How to turn self-doubt into self-leadership without toxic positivity You'll walk away with: An understanding of how imposter syndrome is holding you back financially and emotionally Practical ways to identify and reframe limiting beliefs A simple gratitude practice that helps calm your inner critic and boost self-worth The importance of acknowledging your wins — and a powerful way to start doing it today Kamini's top tip for building self-leadership that aligns with your true values Connect with Kamini Wood:

Does the word “budget” make your skin crawl? You're not alone – but it doesn't have to be that way. In this episode, we're flipping the script on traditional budgeting and showing you how to build a spending plan that empowers rather than restricts. You'll hear: Why most budgeting systems are set up to fail – and how to create one that actually works for you. How to identify your core money values and align your spending with what truly matters. The Three-Bucket Spending Plan that turns your budget into a tool for growth, security, and joy. Powerful mindset shifts that transform financial scarcity into abundance. Shari's personal story of breaking the scarcity cycle and embracing a values-based spending plan. You'll walk away learning:  Your financial reality will always align with your financial energy  Common money values include: Freedom and flexibility Security and stability Growth and learning Comfort and well-being Impact and contribution Recognition and status How to reframe budgeting from a punishment to a powerful tool for aligning your spending with your values. Why most budgeting systems set you up for failure – and the three critical mindset shifts that will transform your financial approach. The Three-Bucket Spending Plan that simplifies money management without sacrificing what you love. How to identify your top money values and use them to build a spending plan that actually sticks. Why emotional spending isn't just about lack of discipline – it's about unaddressed financial traumas and how to heal them. How to stop saying “I can't afford that” and start saying, “I'm choosing to spend differently.” How to recognize the scarcity mindset patterns that keep you stuck – and practical steps to break free. Whether you're tired of feeling guilty every time you spend or you're ready to start building wealth without sacrificing your sanity, this episode is for you. Tune in, take notes, and get ready to reframe how you manage your money. Follow us on Instagram @everyonestalkinmoney for more money mindset shifts and practical tips! Learn more about your ad choices. Visit megaphone.fm/adchoices

Are you trapped in a career that pays well but leaves you feeling unfulfilled? In this episode, career coach Eliana Goldstein reveals why so many ambitious professionals find themselves in the 'golden handcuffs'—high-paying jobs that don't align with their values—and how to break free without sacrificing financial security. You'll hear: Why the 'golden handcuffs' trap so many high achievers The common financial and emotional patterns Eliana sees in her clients How to identify your career values and align them with your financial goals The importance of strategic career pivots and side hustles How to quantify your 'enough' number and avoid the endless money chase You'll Walk Away Learning:  Many high achievers feel trapped in unfulfilling careers. The 'golden handcuffs' create financial and emotional conflict. Societal expectations can lead to career dissatisfaction. Mindset shifts are crucial for career fulfillment. The Career Upgrade Framework helps align values with career choices. Financial stress often impacts career decisions. People often assume they must take a pay cut for fulfillment. Comparison with peers can lead to dissatisfaction. Side hustles can provide purpose and confidence. Self-auditing is essential for understanding career engagement. Follow Eliana on Instagram for daily career tips, and check out her Career Upgrade Framework at ElianaGoldsteinCoaching.com and use the code TALKIN on the checkout page to get $150 off! Here is the link to the course. And don't forget to follow us @everyonestalkinmoney for more money mindset insights and behind-the-scenes content. Learn more about your ad choices. Visit megaphone.fm/adchoices