Millennial Money

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

In this episode of Everyone's Talkin' Money, we're diving into the untold story of stay-at-home moms and financial independence with Karen Johnson, also known as The 21st Century SAHM. Karen opens up about her powerful new book, What Do I Want to Be When They Grow Up?, and the identity crisis many mothers face when they step away from a paycheck to raise their kids. You'll hear: How to reclaim your financial worth as a stay-at-home mom — even if you're not bringing in income The emotional and financial cost of sacrificing your career for your family and how to rebuild your sense of self Why investing in yourself isn't selfish — and how to do it without the mom guilt How to have honest money conversations with your partner when you're not earning a paycheck Karen's top advice for women in their 40s navigating big life pivots and financial decisions Whether you're a stay-at-home mom, a working mom, or somewhere in between, this conversation will remind you that your worth isn't defined by a paycheck — and that it's never too late to invest in you. You'll walk away learning:  Many women feel guilt about pursuing interests outside of motherhood. Motherhood can feel like a death of previous identity. Social media often portrays an unrealistic view of motherhood. Women are conditioned to feel guilty about not enjoying every moment. Perfectionism can negatively impact mental health in motherhood. It's important to focus on accomplishments rather than shortcomings. Unpaid labor in the household is valuable and should be recognized. Women should feel empowered to ask for what they deserve. Many women handle day-to-day finances but lack knowledge of larger financial matters. It's crucial for both partners to be educated about household finances. Financial literacy can prevent future hardships in case of unexpected events. Women often feel guilty about spending money on themselves. Selfishness in financial decisions can be redefined as self-care. Finding personal hobbies is essential for mental well-being. Aging can bring a sense of freedom and acceptance. Conversations about money should be open and honest, without guilt. Follow Karen on social media @21stcenturysahm and visit the21stcenturysahm.com to pre-order her book, What Do I Want to Be When They Grow Up? And don't forget to follow us on Instagram @everyonestalkinmoney for more real talk about money, motherhood, and finding your power. Learn more about your ad choices. Visit megaphone.fm/adchoices

Are budgets making you feel trapped instead of empowered? In this episode of Everyone's Talkin' Money, Shari sits down with Rachel Duncan, a financial therapist and founder of the Money Healing Club, to discuss why traditional budgeting often backfires — and how to break free from the binge-and-restrict cycle for good. Rachel reveals how emotional spending can spiral into spending addiction, why self-compassion is the missing link in most financial plans, and how to create a spending plan that actually aligns with your life. You'll hear: Why Rachel believes traditional budgeting is a recipe for financial burnout How to spot the emotional triggers behind spending addiction and take control The real reason emotional spending can feel impossible to stop — and how to heal it Rachel's practical tips for building a spending plan that's flexible, sustainable, and guilt-free Ready to take the first step toward financial healing? Rachel is offering 50% off the Money Healing Club for all listeners for their first month. Just use the code TALKIN at MoneyHealingClub.com and start transforming your money mindset today. You'll walk away learning:  Rethinking budgeting can lead to financial peace. Emotional triggers play a significant role in spending habits. Flexibility in financial planning is crucial for success. Understanding needs versus wants is essential for budgeting. Spending addiction often stems from emotional triggers. Self-compassion is a key skill in financial management. Traditional budgeting methods can lead to burnout. Planning for annual expenses can prevent financial stress. Open conversations about money can reduce shame. Creative solutions can help maintain social connections while spending less. And don't forget to connect with us on Instagram @everyonestalkinmoney for daily money mindset tips, behind-the-scenes content, and episode updates. Tune in, take notes, and get ready to rethink your relationship with money. Because financial healing isn't about restriction — it's about building a plan that actually works for you. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of Everyone's Talkin' Money, I'm joined by Kara Stevens—founder of The Frugal Feminista, personal finance coach, and unapologetic advocate for women healing their relationship with money. Kara opens up about her journey from earning six figures while buried in $65K of debt to building a life centered around emotional well-being, financial clarity, and aligned values. We talk about how money avoidance shows up in sneaky ways, why emotional spending isn't just about impulse, and how to demolish debt without feeling like you're in financial lockdown. You'll hear: Why income doesn't equal financial confidence How generational money trauma impacts Black women in particular What “values-based budgeting” actually looks like in real life The difference between being rich and feeling rich Why healing—not hustling—is the real secret to long-term wealth We also dive into Kara's approach to parenting around money, navigating side hustles while holding a 9-to-5, and the mindset shifts that turn shame into strategy. Whether you're staring down your own debt, trying to break a financial cycle, or just ready to feel more in control of your money—this conversation is a must-listen. You'll walk away knowing: Many women face hidden struggles with money and debt. Shame and confusion often accompany financial challenges. Teaching children about money can create a positive relationship with finances. Debt repayment should be approached with compassion and understanding. Balancing work and side hustles requires strategic planning. Income does not equate to wealth; understanding assets is crucial. Finding fulfillment beyond spending is essential for financial well-being. Aligning spending with personal values can lead to better financial decisions. Creating sustainable financial goals involves understanding one's pace and needs. Healing one's relationship with money is key to achieving financial success. Resources & Links: Heal Your Relationship With Money by Kara Stevens Visit Kara at The Frugal Feminista Follow @frugalfeminista on Instagram Don't miss out on any of the money talkin' fun! Follow us on Instagram @everyonestalkinmoney Learn more about your ad choices. Visit megaphone.fm/adchoices

Feeling like you're running out of time to “get it together” financially? You're not alone—and more importantly, you're not behind. In this episode of Everyone's Talkin' Money, host Shari Rash sits down with author, entrepreneur, and creator of The 30Phobia Project, Kate Berski, who went from broke at 29 to millionaire by 39. She's proof that financial timelines are made up—and that it's never too late to take charge of your money, your mindset, and your future. Kate gets real about the financial anxiety so many of us feel in our 30s, the pressure to hit unrealistic milestones, and the myth that saving alone will get you to wealth. Instead, she shares how shifting her mindset, increasing her income, and letting go of comparison unlocked the life—and bank account—she always dreamed of. What you'll learn in this episode: Why your 30s (and 40s!) are the perfect time to build real wealth The most common money lies we believe—and how to replace them How to earn more without burning out or starting over The truth about social media, comparison, and financial shame How short-term risks can lead to long-term financial wins Whether you're stuck in a job that doesn't pay you what you're worth, struggling with financial insecurity, or just tired of feeling “behind,” this conversation will inspire you to rethink your path—and start building wealth on your timeline. Download Kate's free Mind Hacker Cards Order Kate's book: 30Phobia: Why Your 20s Suck and How to Get UnStuck→ link to buy Connect with Kate on Instagram: @kateberski Learn more: kateberski.com

If you've ever said, “I'm just bad with money,” this episode is your wake-up call. Money isn't just math—it's emotion, memory, survival, and shame. And chances are, you were never taught how to have a healthy, empowered relationship with it. In this solo episode, Shannah peels back the emotional layers of what it really means to be “bad with money” and guides you through a powerful reframe that can shift everything. You'll laugh, maybe cry (in a good way), and definitely leave with a new perspective—and actual tools—to stop spiraling and start rewriting your money story. This is your financial reset, your pep talk, and your permission slip to stop carrying money shame and start stepping into money power. Why you're not actually bad with money (and who taught you that you were) How to uncover your “Money Origin Story” Three simple, powerful money exercises that go beyond budgeting The truth about emotional spending—and how to stop sabotaging yourself How to rewrite your internal money script and finally feel in control Be sure to like and subscribe! Follow us on Instagram @everyonestalkinmoney Learn more about your ad choices. Visit megaphone.fm/adchoices

What if money isn't just about budgeting, saving, or grinding harder—but instead, a form of radical self-love? In this powerful episode of Everyone's Talkin' Money, Shari sits down with Elizabeth Ralph—wealth strategist, intuitive investor, and host of The Spiritual Investor podcast—to completely rewire how we think about money. A former financial executive turned energetic wealth mentor, Elizabeth shares how money and love operate on the same frequency—and how learning to receive is just as important as learning to earn. They dig into why we confuse discipline with deprivation, how spiritual people accidentally block abundance, and why aligning your financial decisions with your values is one of the most loving things you can do for yourself. This isn't your typical money advice. This is money through a soul-aligned, energetically expansive lens. Whether you've been stuck in scarcity, avoiding your bank account, or wondering why things still feel tight despite "doing everything right"—this episode is your reset. You'll learn: Why money is an act of self-love—not sacrifice How to shift from lack-based goals to aligned wealth creation The trap of spiritual bypassing in money work What “money normalization” is and why it keeps you stuck How to create abundance without hustle or shame Plus, Elizabeth shares what intentional investing really looks like—beyond portfolios and into your purpose. Ready to shift your relationship with money for good? This is the conversation you didn't know you needed. Elizabeth is gifting the ETM audience a free month of SI Club (normally $17/month). This includes investing tools, energetic money teachings, and a supportive community space. Sign up here: Free Month of SI Club Learn more about Elizabeth Ralph: Website: thespiritualinvestor.com Podcast: The Spiritual Investor Podcast Instagram: @elizabethralph  Learn more about your ad choices. Visit megaphone.fm/adchoices

Let's face it—most of us would rather do anything than talk about death. But avoiding the conversation doesn't make it go away—it just leaves your loved ones drowning in decisions, grief, and sometimes financial chaos. In this episode of Everyone's Talkin' Money, I sit down with Dr. Kimberly Harms, a grief counselor, death doula, mediator, author, and former national spokesperson for the American Dental Association, who has lived through more loss and reinvention than most of us can imagine. From losing her son to suicide, her husband to a broken heart, and her career to injury, Kim rebuilt her life by embracing the hardest conversations—and now she teaches others how to prepare emotionally and financially for the inevitable. We talk about: Why open conversations about death and money reduce family conflict and emotional trauma The importance of legacy planning, estate organization, and writing a “love letter” binder Common financial regrets people share at the end of life—and how to avoid them What every member of the sandwich generation needs to know about long-term care and expectations How to talk to your kids (and grandkids! and parents!) about death without fear or shame Why grief + money = explosive—and how to avoid drama by planning ahead The surprising role of hospice, and why dying on your terms can be the greatest gift you give Kim's wisdom will leave you inspired to tackle your own plans, have those long-overdue conversations, and rethink what a “wealthy” life really means. You're going to walk away knowing: Financial planning is crucial for emotional preparedness in end-of-life scenarios. Hospice care focuses on comfort rather than prolonging life. Many families experience conflict after a death due to lack of communication. Leaving a legacy of love is the most important aspect of life. Planning for retirement and end-of-life care can alleviate burdens on family members. Kim encourages writing love letters to family members as a lasting legacy. Conversations about death should be normalized to reduce fear and discomfort. Joy and resilience are essential themes in navigating life's challenges. If you just want to make life easier for your loved one, or yourself - this is your must-listen episode. Connect with Dr. Kimberly Harms: https://drkimberlyharms.com Learn more about her book Are you Ready? How to Build a Legacy to Die For  Rethinking Death.Life podcast Connect with me (Shari!) on Instagram: @everyonestalkinmoney Subscribe to Everyone's Talkin' Money and leave a review if this episode moved you Learn more about your ad choices. Visit megaphone.fm/adchoices

What happens when you hand a mic to a room full of 8th graders and start talking about money? You get insights that are smarter, bolder, and more financially sound than you'd expect — and in some cases, more than most adults can offer. In this episode of Everyone's Talkin' Money, I'm taking you behind the scenes of my daughter's middle school Career Day, where I spoke about being a money expert and podcaster. But instead of just lecturing, I flipped the script and asked them the big money questions. What I heard blew me away. We'll explore: How a one-quarter financial literacy class (just 45 days!) is shaping the way kids think about saving, spending, and investing Why kids associate money with freedom — and adults with stress Actionable ways parents, guardians, and educators can start real money conversations with kids (without eye rolls or lectures) The simple frameworks I use to teach kids how to spend, save, and give with purpose What my first job as a “toast girl” taught me about assigning value to every dollar Whether you're a parent, educator, or just someone who wants to raise a generation of money-smart kids, this episode will leave you inspired — and ready to start the conversation. Tune in to hear how just a little bit of financial education can go a very long way. What you'll walk away with: Money is about feelings, mindset, and not just spreadsheets. Kids can have a strong financial foundation if taught early. Engaging kids in money conversations empowers them. Every dollar should have a purpose to instill confidence. Teaching kids about money can prevent future mistakes. Financial literacy classes in schools make a difference. Kids understand concepts like delayed gratification and impulse spending. Adults should share their money mistakes to teach wisdom. Saving and budgeting are essential skills for kids. Money management is about balance between spending and saving. Follow us on Instagram @everyonestalkinmoney Learn more about your ad choices. Visit megaphone.fm/adchoices

Money is the great equalizer—even for U.S. presidents. In this episode, bestselling author and financial expert Megan Gorman joins me to reveal the surprising, messy, and totally relatable financial stories of America's commanders-in-chief. Shannah and Morgan dig into how student debt, budgeting failures, and quiet financial panic have shaped the men who shaped the country. And trust me—these aren't the stories you learned in history class. From Thomas Jefferson's spending addiction to why Herbert Hoover might be your new financial role model, we uncover the real money lessons hiding behind the White House curtains. Whether you're in debt, rebuilding, or just trying to get a grip on your finances, this episode will leave you feeling a little less alone—and a lot more empowered. What We Cover: Why money worries don't stop at the Oval Office Which presidents were surprisingly bad with money (and who got it right) The role women played in financial decision-making behind the scenes What presidential money mess-ups can teach us about resilience and leadership Why financial literacy should be considered a leadership skill How student loans haunt even the most powerful And the budgeting habits worth stealing from history About Megan Gorman: Megan Gorman is the author of All the Presidents' Money, a fascinating dive into how U.S. presidents handled their personal finances—and what it reveals about power, failure, and money myths. She's also a financial strategist, speaker, and contributor to major outlets like Forbes and The Wall Street Journal. Grab the Book: You can find All the Presidents' Money by Megan Gorman everywhere books are sold. Links & Resources: Megan's Website: megangorman.com Get the Book:  All the Presidents' Money simonandschuster.com Learn more about your ad choices. Visit megaphone.fm/adchoices

In a world of layoffs, AI disruptions, and career burnout, it's never been more critical to take control of your professional life. In this episode, Erika Ayers Badan—author of Nobody Cares About Your Career—breaks down the five simple (but powerful) actions you need to succeed at work: do the work, always be learning, build your network, make time to think, and have a clear vision for your career. We dive deep into what it really means to own your career path, how to stay grounded when things feel uncertain, and why a strong money mindset is a must if you want to be paid what you're worth. This is your real-world, no-fluff blueprint for building a meaningful career—even when everything around you feels chaotic. What You'll Learn: The five essential actions that lead to career success How to create a clear career vision and direction The right way to network for real growth What to do when layoffs or job changes hit How to set boundaries and create true work-life balance Why your mindset about money affects your professional future Get Erika's book Nobody Cares About Your Career - https://www.erikaayersbadan.com/book  Learn more about your ad choices. Visit megaphone.fm/adchoices

By 2030, women will control over $30 trillion in wealth—but the financial industry still hasn't caught up. Despite this massive shift, many female investors feel underserved, unheard, or outright ignored by traditional financial advice. So what gives? In this episode of Everyone's Talkin' Money, Shannah and Shari are joined by Cary Carbonaro—award-winning Certified Financial Planner™, Women & Wealth Ambassador at Ashton Thomas, and author of the soon-to-be-released Women and Wealth—to uncover exactly where the industry is falling short and how to fix it. We cover: Why 67% of female investors feel misunderstood by their advisors How to attract and retain female clients through better communication Behavioral finance tools every advisor should be using with women Breaking outdated gender assumptions in financial planning Why Women and Wealth is the playbook the industry needs right now If you're a woman navigating wealth—or a financial pro ready to serve women better—this episode is your wake-up call. Grab Cary's new book Women and Wealth: A Playbook to Empower Clients and Unlock Their Fortune (Wiley) Learn more about Cary and her work: https://www.carycarbonaro.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Getting a big tax refund might feel like winning the financial lottery—but spoiler alert: it's not free money, it's a sign you've been giving the IRS an interest-free loan all year. In this episode, I'm breaking down the financial reality behind your tax refund and showing you how to flip the script for long-term money power. We'll talk about why owing taxes isn't always a bad thing, how to adjust your withholdings the smart way, and what to do with that extra cash in your paycheck (hint: it's time to put your money to work). You'll walk away with practical strategies to pay less in taxes, avoid those painful surprises in April, and finally take control of your tax season like a boss. Whether you've been counting on that refund or dreading your tax bill, this episode will change the way you think about the IRS—and your own money habits—for good. In this episode, you'll learn: Why tax refunds aren't “bonus” money How to adjust your W-4 to keep more cash throughout the year What to do if you owe taxes—and how to avoid panic Strategies to maximize tax-advantaged accounts like 401(k)s and HSAs How to use your tax return data to break even next year Where to put your “found money” so it builds wealth instead of disappearing Love what you're hearing? Be sure to rate and review the show. Also, don't keep us a secret, share this episode with a friend! Want to have even more fun?! Follow Shari on Instagram at @everyonestalkinmoney Learn more about your ad choices. Visit megaphone.fm/adchoices

Life isn't just expensive — it's strategically expensive. From college debt to first apartments, weddings, babies, buying homes, midlife career chaos, and finally retirement, every life phase hits your wallet harder than the last. In this episode of Everyone's Talkin' Money, Shari breaks down the five (plus!) biggest financial phases you'll face — and how to survive each one without spiraling into panic mode. You'll learn: How to avoid student loan traps and budget through the broke college years Why your first paycheck isn't as big as it looks — and how to adult without going broke The real cost of weddings, homes, and babies (hint: it's more than your Pinterest board thinks) How to financially prepare for midlife chaos — career pivots, aging parents, and rising healthcare costs Why retirement isn't a finish line — it's a decades-long phase you need to plan for now Whether you're knee-deep in bills, spotting life changes on the horizon, or helping someone else navigate their journey, this episode is your practical guide to building financial confidence through every stage. Tune in, take notes, and share with a friend who needs a financial BFF in their corner. Because no one should go through these expensive phases alone. Learn more about your ad choices. Visit megaphone.fm/adchoices

Feeling like you're behind in life (and in your bank account)? You're not alone — and you're definitely not broken. In this first solo episode, Shari Rash is calling out one of the biggest silent killers of your financial peace: comparison. Spoiler alert: It's not just draining your confidence — it's draining your wallet, your energy, and your joy. In this episode, you'll learn: Why comparison quietly wrecks your money mindset How to spot when comparison is driving your financial decisions A real-life story of rushing into homeownership for all the wrong reasons How jealousy can actually be used as a powerful tool (not a shame spiral) The exact mindset shift to help you stay grounded in your timeline Why staying in your own lane isn't just good advice — it's a real money strategy Plus, Shari walks you through a quick Money Vision Exercise to help you reconnect to what you actually want — not what looks good on Instagram. This week's challenge: Notice one moment when comparison tries to sneak in — and choose curiosity instead of shame. DM Shari @everyonestalkinmoney on Instagram what you realized or tag her in your wins! Subscribe so you never miss an episode! Love this episode? Share it with a friend who needs a reminder they're right on time — and don't forget to leave a review to help more amazing people find this show. Connect with Shari: Instagram: @everyonestalkinmoney Website: everyonestalkinmoneypodcast.com Learn more about your ad choices. Visit megaphone.fm/adchoices

What happens when the only person who can help… is you, but you're already drowning? In this special crossover episode, I'm sharing my recent appearance on the incredible True Home Confessions podcast. A listener calls in with a heart-wrenching dilemma: her mom is aging, refusing help, and hinting at moving in. The problem? She's not financially or emotionally ready—and she's stuck in that “good daughter” guilt loop. You'll hear my advice on what to actually consider before combining finances or buying a home with a parent, and how to set healthy boundaries when emotions and obligations are all tangled up. If you've ever felt like you're carrying the weight of your family's expectations—especially when it comes to money—this episode will hit home. In this episode: The emotional cost of being the “responsible one” Financial red flags when a parent wants to move in How to create boundaries before resentment takes over Why saying “no” can be the most loving thing you do Resources & Links: Listen to more episodes of True Home Confessions Learn more about your ad choices. Visit megaphone.fm/adchoices

You're in for something extra special today. Not only are we tackling a powerful listener question from Jen—who's wondering if it's too late to build wealth in her 40s as a single mom—but we're also dropping some BIG news... Meet your new official co-host of Everyone's Talkin' Money: Shari Rash! Shari is a fellow money expert and all-around badass when it comes to building wealth that feels good. She's joining the mic with me to bring even more insights, real talk, and money magic to the pod. In this episode, we dive into: Jen's story of paying off debt and feeling unsure if she's “behind” Why your 40s are not too late to build wealth Real tips and mindset shifts that create momentum at any age How to stop the shame spiral and take aligned money action now If you've ever felt like you missed the boat on building wealth, this episode is your loving kick in the pants to stop doubting and start doing. Be sure to share this episode if you enjoyed it! Learn more about your ad choices. Visit megaphone.fm/adchoices

Let me ask you something: if a crisis hit tomorrow, would your finances be ready? In this episode, I'm joined by financial preparedness expert Tony Steuer, and we're talking about something most people avoid—getting your financial life organized. Whether it's life insurance, estate planning, or simply knowing where your documents are, having a Financial First Aid Kit is one of the most important (and overlooked) ways to protect yourself and your family. We get into the why behind the avoidance, how to break through the intimidation, and exactly what you need to have in place so you're not left scrambling when life throws you a curveball. No shame. Just action steps you can actually follow. If you've been putting this off, this episode is your sign to start. Here's what we talk about: Why so many of us avoid financial planning (and how to stop) What belongs in your Financial First Aid Kit How to think about life insurance in a totally new way Why digital and physical copies of documents are essential Resources I Mention: Tony Steuer's Website & Tools Create Your Financial First Aid Checklist Let's Connect: Instagram: @shannahgame Learn more about your ad choices. Visit megaphone.fm/adchoices

If you've been feeling stuck, scared, or straight-up pissed about money lately — this one's for you. According to a new LinkedIn Workforce Confidence survey, Americans are less confident about their financial future than they were in 2020. Yep, lower than the panic-buying, banana-bread-baking era of the pandemic. In this episode, I break down why your financial confidence is tanking (spoiler: it's not just you), what's actually going on behind the scenes, and the real, practical things you can do this week to take your power back — without budgeting yourself into oblivion. We're talking emotional burnout, job market instability, AI-induced panic, and the sneaky ways financial trauma is still messing with your decision-making. But more importantly, we're talking solutions — bold, doable, no-BS strategies to rebuild confidence, reclaim control, and move forward. What You'll Learn: Why financial confidence is at a record low (and why that matters) How fear is silently shaping your money moves 5 practical steps to start rebuilding confidence today The one tiny money goal you can hit this week to feel back in charge Why your nervous system and your bank account need a plan LINKS LinkedIn Survey Instagram: @shannahgame True Home Confessions podcast Learn more about your ad choices. Visit megaphone.fm/adchoices

Want to stop working for your money and start having your money work for you? This vault episode is packed with insights on how to build multiple streams of passive income—even if you're starting from scratch. I'm joined by Chris Miles, the Cash Flow Expert and Anti-Financial Advisor, who became financially independent not once, but twice, and paid off over $1 million in debt without declaring bankruptcy. Chris pulls back the curtain on why traditional financial advice keeps you stuck, and how shifting your mindset and money strategy can open the door to real wealth. In this episode, we break down: How to build passive income on almost any budget Why traditional financial advice can do more harm than good The truth about scarcity mindset and why saving alone won't make you wealthy How to rethink everything you've been told about retirement planning If you're ready to challenge the old-school money rules and create lasting wealth your way, this episode is a must-listen. Links Money Ripples Website: https://moneyripples.com Money Ripples Podcast: https://moneyripples.com/podcast Learn more about your ad choices. Visit megaphone.fm/adchoices

Let's get real: women are more likely to end up in poverty, have less money saved, and face bigger financial challenges than men. But why? And more importantly—what can we do about it? In this powerful episode, I'm joined by the incredible Kim Curtis, bestselling author of Money Secrets and Retirement Secrets, nationally recognized wealth management advisor, and CEO of Wealth Legacy. Kim breaks down the systemic reasons behind the wealth gap and shares the exact steps women can take right now to take control of their financial futures and build the wealth they deserve. We're talking strategy, mindset, and money moves. If you've ever felt behind or unsure where to start with your money, this conversation is your wake-up call. LINKS & RESOURCES Kim's Website – Wealth Legacy Institute Money Secrets Book Retirement Secrets Book CONNECT WITH SHANNAH Follow Shannah on Instagram Learn more about your ad choices. Visit megaphone.fm/adchoices

If you've ever felt overwhelmed, ashamed, or stuck when it comes to money—you are not alone. In this powerful episode, Shannah sits down with Jessica Moorhouse, host of the More Money podcast and author of the new book Everything But Money, to unpack the emotional side of our finances that rarely gets talked about. They dive into early money memories, inherited money trauma, ADHD and financial management, and why shame around money is more common than you think. This isn't your typical money conversation—it's raw, real, and necessary. What you'll hear in this episode: Why your first money memory still impacts you today How shame around money shows up in sneaky ways The difference between guilt and shame—and why it matters What inherited trauma has to do with your spending habits How ADHD intersects with financial stress and trauma Why vulnerability is a superpower when it comes to healing your money story How to start viewing money as a tool, not your identity Whether you're navigating money shame, trying to get unstuck, or just curious about how your past might be driving your financial present—this episode will leave you feeling seen, empowered, and ready to take your next step. Connect with Jessica Moorhouse: Listen to More Money on any podcast player Get her new book Everything But Money wherever books are sold Visit her website: https://jessicamoorhouse.com/book Subscribe to the show so you never miss an episode, and leave a review if this one hit home. Learn more about your ad choices. Visit megaphone.fm/adchoices

What would you do if you suddenly received a $600,000 payout? For my guests, Haley and Justin Brown-Woods, it felt like a financial dream come true—until it turned into a nightmare. In this episode, they share their story of how a massive windfall led to unexpected financial struggles. We dive deep into the emotional impact of sudden wealth, how lifestyle inflation can quietly drain money, and why financial education is critical for making smart money decisions. What You'll Learn in This Episode: Why receiving a large sum of money doesn't guarantee financial security How emotions influence financial decisions, often leading to overspending The hidden dangers of lifestyle inflation and how to avoid them Why financial wellness is an ongoing process that requires intentional effort This conversation is raw, honest, and full of valuable lessons about money, relationships, and the emotional weight of financial decisions. Resources and Links: Connect with Haley & Justin: Price of Avocado Toast website, podcast, and coaching Follow me on Instagram @shannahgame for daily money insights If this episode resonated with you, share it with a friend and leave a review. Your support helps bring these important money conversations to more people. Learn more about your ad choices. Visit megaphone.fm/adchoices

Today, I'm introducing you to one of my favorite podcasts, Money For Couples. In Money For Couples, you'll hear real stories and practical strategies to help you align on finances, stop money fights, and build a shared financial vision. I'm going to play a portion of that episode 192 for you now. If you want to hear more actionable strategies to build your rich life today, search “Money For Couples” wherever you listen to this podcast. Listen to the full episode, as well as all Money For Couples Episodes: 192. “We spend 98% of what we make—Where is it all going?” Find it on Spotify Apple Learn more about your ad choices. Visit megaphone.fm/adchoices

Struggling to figure out if you're making the right money moves? Wondering if debt consolidation is actually a smart move—or just a financial trap? In this vault Ask Shannah episode, I'm answering two crucial money questions from listeners who need real, no-BS financial advice. Question 1: Am I on the Right Track Financially? How to know if your money is working for you (or against you) The key signs that you're building a solid financial foundation What to do when you're doing “everything right” but still feel stuck Question 2: Should I Consolidate My Debt? The truth about debt consolidation companies (what they don't tell you) When debt consolidation actually helps—and when it's a scam Learn more about your ad choices. Visit megaphone.fm/adchoices

Money is complicated. It's messy, stressful, and full of questions—Are you spending in a way that supports your goals? Saving enough for retirement? What's the deal with all those investing acronyms? And how do you actually enjoy life through the financial rollercoaster? In this vault episode, we revisit my conversation with legendary comedian Paula Poundstone, host of Nobody Listens to Paula Poundstone. Paula knows a thing or two about life's financial ups and downs—because she once found herself $1 million in debt. Climbing out of that hole took years, resilience, and a whole lot of humor. Paula shares how she tackled massive debt, the unexpected money lessons she's learned, and why happiness isn't found in a perfect bank balance—but in how you live your life. If you've ever felt overwhelmed by money, this episode is your reminder to breathe, laugh, and take back control. Resources from this Episode: Nobody Listens to Paula Poundstone Podcast Paula's Comedy Tour Dates The Totally Unscientific Study of the Search for Human Happiness Learn more about your ad choices. Visit megaphone.fm/adchoices

What if you're moneying too hard? Financial stress, constant budgeting, and trying to “get it right” with money can leave you feeling exhausted. Enter financial therapist Amanda Clayman, host of Emotional Investment on Audible, who believes true financial wellness isn't about working harder—it's about aligning your behaviors with your values, setting loving boundaries, and shifting money from a “problem to be solved” to a source of empowerment. And wait until you hear the wild story of her $19,000 haircut—it's a lesson in money choices you won't forget. In this vault episode, we dive into: Why we overcomplicate money (and how to stop) How to create financial wellness that actually feels good The infamous $19K haircut (yes, really) LINKS: Listen to Emotional Investment Connect with Amanda Clayman Follow Amanda on Instagram Learn more about your ad choices. Visit megaphone.fm/adchoices

Everything is getting more expensive, and it's not just inflation. The U.S. just slapped massive tariffs on Mexico, Canada, and China, and that means your grocery bill, your next car, and even your favorite bottle of tequila are all about to cost way more. But why is this happening, and more importantly—what can you do about it? In this episode, we break down: WTF tariffs actually are and why they make everyday goods more expensive The biggest price hikes coming your way in 2025 (groceries, cars, electronics, home goods, and more) How to adjust your spending habits to stay ahead of these price surges The hidden costs of tariffs no one is talking about—job layoffs, shrinkflation, and sneaky fees How to manage financial stress and make smarter money moves instead of panic-spending This episode is all about giving you the game plan you need to survive and thrive in this new economy. Because feeling broke isn't an option. Listen in, take notes, and share this episode with someone who needs to know what's coming. Learn more about your ad choices. Visit megaphone.fm/adchoices

What if making more money isn't the answer to your financial struggles? In this episode, I chat with Germaine Foley, money coach and creator of the Do Both Method, to explore the emotional and psychological side of money management—especially for women. They discuss why so many successful women still feel like they're failing with money, how emotional spending and perfectionism sabotage financial success, and why you don't have to choose between building wealth and enjoying life. Germaine shares her personal journey from being over $200,000 in debt to achieving financial freedom, and how she helps women balance financial responsibility and joy. If you've ever felt guilty about money, stuck in cycles of avoidance, or overwhelmed by financial pressure, this episode is for you. What You'll Learn: Why emotional spending keeps women stuck—even high earners How to break free from money shame and perfectionism Why budgeting alone won't fix financial stress The key to building wealth without sacrificing joy How intentional spending can change your money story Resources & Links: Order Shannah's book, Unraveling Your Relationship with Money: https://www.unravelmoneybook.com Learn more about Germaine Foley and her work: https://www.germainefoley.com Sign up for Germaine's free workshop, How to Build Wealth Without Going on a Strict Budget: https://www.germainefoley.com/wealthclass Follow Shannah on Instagram: @shannahgame Learn more about your ad choices. Visit megaphone.fm/adchoices

In this powerful final episode of the Unraveling Your Relationship with Money series, forensic accountant Tracy Coenen joins me for a deep dive into the emotional and psychological ties we have with money. We explore how childhood experiences shape financial mindsets, why so many women struggle with financial control in relationships, and the hidden reality of financial abuse—a silent but devastating form of control many don't even recognize. Whether you've experienced financial struggles, fear of not having enough, or are navigating the challenges of divorce and money, this episode is a must-listen. We're breaking the silence, busting myths, and giving you the tools to take back your financial power. What You'll Learn in This Episode: The fear of not having enough money—why it's so common and how to shift your mindset How childhood experiences shape our financial decisions as adults Tracy's journey from criminology to forensic accounting—and how she helps people uncover hidden money Why so many women hand over financial control in relationships—and the dangers of doing so The shocking reality of financial abuse and how to protect yourself Resources & Links Mentioned: Listen to Tracy Coenen's podcast: Find Me The Money Get Tracy's Divorce Money Guide book and more to help you protect your financial future: Divorce Money Guide Read Shannah's book: Unraveling Your Relationship with Money Follow me on Instagram: @shannahgame Learn more about your ad choices. Visit megaphone.fm/adchoices

Why does money feel so hard? If you've ever felt like no matter how much you try, you just can't seem to get ahead, you're not alone. The truth is, money isn't just about math—it's deeply emotional. If you don't address the emotions behind your money habits, you'll stay stuck in the same cycle, no matter how many budgets you try. In today's episode, we're throwing out the financial guilt and breaking down what it really takes to build Healthy Wealth—a financial life that works for you, feels aligned, and sets you up for success and freedom. Here's what we cover: Why traditional money advice fails most people (spoiler: "stop buying lattes" isn't the answer) How your money story is secretly running the show and how to rewrite it A three-step method to finally feel in control of your money: Heal, Plan, Build A fun segment called "Am I the Financial Drama Queen?" to help you spot your own money habits How to create a spending plan that doesn't feel like punishment but actually works for your real life The simple, no-BS way to start building wealth now, even if you feel behind For a limited time, you can get $300 off Healthy Wealth. Sign up now HERE and use code WEALTH300 at checkout. Get $300 Off Healthy Wealth for a Limited Time Healthy Wealth isn't just another financial program. It's a transformational approach to money that actually works. If you're tired of feeling stuck, this is your moment. Inside Healthy Wealth, you'll learn how to: Heal your relationship with money and stop self-sabotaging your financial goals Create a spending plan that works for your life without financial guilt Build wealth with confidence, even if you feel behind Get expert coaching and join a community of women on the same journey Get $300 off until March 15 HERE. Use code WEALTH300 at checkout. Learn more about your ad choices. Visit megaphone.fm/adchoices

Money, sex, and power—three things we all think about but rarely talk about honestly. In this episode of the Unraveling Your Relationship with Money series, I'm joined by Kirsten Trammell, host of The Naked Connection podcast, to explore the deep emotional ties between these forces and how they shape our lives, relationships, and financial choices. Why do we tie money to self-worth? How does financial power show up in relationships? What does money have to do with intimacy and control? From childhood money wounds to gender roles, relationship power struggles, and the lies we tell ourselves about money, this episode goes deep. If you've ever felt shame about wanting more money, struggled to talk finances with your partner, or wondered why money conversations feel more intimate than sex, this is for you. What You'll Learn Why money fights in relationships aren't really about money How financial power impacts intimacy and connection How gender roles influence money beliefs and how to unlearn them Resources and Links Subscribe to The Naked Connection podcast HERE Preorder my book Unraveling Your Relationship with Money – the guide to ditching money shame and taking control. http://www.everyonestalkinmoney.com/book Join the conversation on Instagram @shannahgame. If this episode resonated with you, share it with a friend and leave a review. The more we talk about money, the more power we take back. Learn more about your ad choices. Visit megaphone.fm/adchoices

You've been told money is complicated. That investing is risky. That financial security is for someone else, someone who “gets it.” But here's the truth—everything you've been taught about money? It's not the full story. And today, we're pulling back the curtain. I'm sitting down with the powerhouse Dr. Tonya M. Evans, and we're diving deep into the real reasons women struggle with money—the childhood experiences that shape our fears, the financial trauma that keeps us stuck, and the voices in our heads whispering, “You don't know enough.” But today? That changes. This conversation is about rewriting your money story and shifting from fear to power. Because let's be real—women are getting left out of the biggest wealth-building opportunities of our time. We're tackling investing, cryptocurrency, and the financial moves you need to start making now. What You'll Learn in This Episode: Why women must start investing—and how to get past the fear Cryptocurrency 101: What you need to know (and why it's a game-changer) The #1 mindset shift you need to take control of your financial future Resources & Links: Digital Money Demystified book Unraveling Your Relationship with Money book Loved this episode? Leave a review, share it with a friend, and tag me on Instagram @shannahgame! Let's keep this money conversation going. Learn more about your ad choices. Visit megaphone.fm/adchoices

Money fear is real. Feeling stuck in a job, a relationship, or a situation because of money? That's real. Worrying that you'll never have “enough” or that you'll never figure it out? Yep, that's real too. But here's the truth: You are in control. In this episode, I'm sitting down with Emilie Aries, founder of Bossed Up and host of the Bossed Up Podcast, to talk about how she faced her own money fears, walked away from what wasn't working, and learned that financial self-care is the most radical act of self-love. This conversation is real, raw, and will make you rethink everything you believe about money, success, and owning your life. WHAT YOU'LL LEARN: Why money fear keeps you stuck—and how to break free The holy sht* moment Emilie had that changed how she saw money forever How to stop outsourcing your power and make money decisions like a boss The reason financial self-care is THE self-care move no one talks about How to walk away from what's draining you—even when it's scary as hell CONNECT with Emilie Learn more about Bossed Up and the podcast - https://www.bossedup.org/ Preorder my book, Unraveling Your Relationship with Money: Discover and Ditch Your Money Trauma So You Can Live an Abundant Life: Preorder Here Follow Shannah: Instagram: @shannahgame Submit a money question for Shannah to answer in an upcoming episode https://tinyurl.com/askshannahq  Leave a 5-star Review here https://ratethispodcast.com/etm Learn more about your ad choices. Visit megaphone.fm/adchoices

Today is a big day, and I couldn't think of a better way to celebrate than by pulling back the curtain on Unraveling Your Relationship with Money. In this special episode, my dear friend Laurie March—project manager, former HGTV House Counselor, and host of True Home Confessions—takes over the mic to interview me about the real, raw, and messy journey behind writing this book. We get into: My biggest money secrets, including some I haven't shared before How my own relationship with money has evolved, the good, the bad, and the surprising What I learned while writing this book and why it was one of the hardest things I've ever done Why emotions around money are the key to real wealth and how to start shifting your money story today Behind-the-scenes moments from writing, editing, and getting this book into the world This conversation is honest, deep, and full of real talk. If there's one thing I've learned, it's that we all have a money story, and it's time to start rewriting it. Tune in and celebrate this milestone with me. If you love the episode, grab your copy of Unraveling Your Relationship with Money today. Get the book here: https://www.everyonestalkinmoney.com/book Listen to True Home Confessions podcast: https://www.truehomeconfessions.com/ Join the conversation: What's your biggest money insight? Send me a message on Instagram @shannahgame and let's talk. Learn more about your ad choices. Visit megaphone.fm/adchoices

We love it. We hate it. We chase it. And let's be honest—sometimes, we don't even know how to talk about it. But what if we flipped the script? What if money wasn't just about stress, bills, and hustle—but about opportunity? What if knowing your worth and advocating for yourself was the key to unlocking the life you actually want? In today's episode of Unraveling Your Relationship with Money, I sit down with Hannah Williams, creator of Salary Transparent Street, who's leading a radical movement around money transparency, self-advocacy, and breaking the silence on salary discussions. Hannah has been where so many of us have—underpaid, undervalued, and unsure how to change it. But instead of staying stuck, she turned her experiences into a platform that's helping thousands understand their worth, negotiate better pay, and take control of their financial future. What You'll Learn in This Episode: Why money should be seen as an opportunity, not just a source of stress The 24-hour rule that transformed Hannah's spending habits Why talking about money openly is the key to financial empowerment Resources & Links: Grab my book, Unraveling Your Relationship with Money, and get free access to my Unfuck Your Money course! → everyonestalkinmoney.com/book Follow Hannah Williams & Salary Transparent Street: Instagram YouTube Website Loved this episode? Make sure to subscribe, leave a review, and share it with someone who needs to hear this message! Your relationship with money starts with a single decision—let's make it a powerful one. Learn more about your ad choices. Visit megaphone.fm/adchoices

Let's talk about something that too many women struggle with—feeling guilty for wanting financial security. If you've ever hesitated to negotiate, felt like you're constantly over-giving, or tied your self-worth to your bank account, this episode is for you. I'm sitting down with Jacqueline Twillie, CEO of ZeroGap and author of Dear Resilient Leader and Don't Leave Money on the Table, to unpack the deep emotional and societal forces that shape how we think about money. We're diving into childhood money lessons, the pressure to put everyone else first, and why so many women feel like there's never enough—even when they're earning more than ever. Here's what we're getting into: Why you keep feeling like money is never enough The hidden power of negotiation (and why most women avoid it) How to finally shift from a scarcity mindset to abundance Why financial stability is NOT selfish—it's necessary If you've ever felt stuck in a cycle of over-giving and under-prioritizing yourself, this episode is going to change the way you think about money. LINKS Preorder my book, Unraveling Your Relationship with Money: Discover and Ditch Your Money Trauma So You Can Live an Abundant Life: Preorder Here Follow Shannah: Instagram: @shannahgame Submit a money question for Shannah to answer in an upcoming episode https://tinyurl.com/askshannahq  Leave a 5-star Review here https://ratethispodcast.com/etm Follow Jacqueline Twillie: Instagram: https://www.instagram.com/jacquelinetwillie/ Website: https://www.zerogap.co/ Buy Jacqueline's books Love this episode? Share it with someone who needs to hear it, leave a review, and help us spread the word about living a purposeful, wealthy life. Let's do this together! Learn more about your ad choices. Visit megaphone.fm/adchoices

Episode #4 in the Unraveling Your Relationship with Money Series Here's the truth: No one is coming to save you. If you want financial freedom, confidence, and security, you have to take control of your money NOW. And today's guest, Erin Skye Kelly, host of Get The Hell Out of Debt podcast, is here to show you exactly how to do it. In this laugh-out-loud, lightbulb moment–packed episode, Erin gets real about her own money mess, the financial rock bottom that forced her to wake up, and the radical shifts that changed everything. This is the money conversation you didn't know you needed—raw, hilarious, and filled with gems that will change your life. In This Episode, We Cover: The sneaky money lies keeping you stuck Why childhood money messages are running the show (and how to rewrite them) How debt impacts your identity and self-worth The ONE money shift that can change everything Pre-Order My New Book! This episode is just a taste of what's inside my book, Unraveling Your Relationship with Money. If you're ready to heal your money trauma, take back control, and start building the wealth you deserve, grab your copy now! Pre-Order Here - http://www.everyonestalkinmoney.com/book Subscribe to Erin's Podcast - Get the Hell out of Debt Grab Erin's books - https://www.erinskyekelly.com/ Follow me on Instagram - @shannahgame Love this episode? Don't forget to subscribe, rate, and review! Your support helps us reach more badass women ready to take control of their money. Learn more about your ad choices. Visit megaphone.fm/adchoices

Since you were a kid, you were taught that money equals success. That a big paycheck means you've made it. That if you just work hard enough, earn enough, or save enough, you'll finally feel secure, confident, and happy. But let me tell you something no one else will—money won't be the thing that fixes your life. If it did, millionaires wouldn't be miserable. If it did, six-figure earners wouldn't feel like they were drowning in student loan debt. If it did, women wouldn't question their value in relationships just because they make less—or nothing at all. Your worth is not measured in dollars. This is episode three of the Unraveling Your Relationship with Money series, leading up to the launch of my book, Unraveling Your Relationship with Money. Today, I'm sitting down with Heather Boneparth, partner at Bone Fide Wealth, co-author of Money Together (coming October 2025), and creator of the Joint Account newsletter, to pull apart the toxic narratives we've been fed about money. We're talking about the shame spiral of six-figure student loan debt, because it's not just about numbers—it's about identity. Why career choices feel personal and why you are not your job title. And the lie women have been sold about financial worth in relationships, and how to break free from it. Press play. This episode will change how you see yourself—and your money. Resources & Links: Preorder Money Together by Heather Boneparth & Douglas Boneparth (coming October 2025) Subscribe to Heather's The Joint Account newsletter Grab my book Unraveling Your Relationship with Money Follow me on Instagram @shannahgame Love this episode? Share it with a friend who needs to hear it and tag me on IG! Don't forget to leave a review—it helps more people find the show. Learn more about your ad choices. Visit megaphone.fm/adchoices

You've been lied to. Society has told you that if you're not constantly grinding, stressing, and hustling, you don't deserve financial success. That's complete B.S.—and today, we're calling it out. In this episode of Unraveling Your Relationship with Money, I'm joined by Dr. Barb and Maggie Nielsen from Purse Strings to break down one of the most toxic money beliefs holding women back: the idea that making money has to be hard. Here's what we're tackling: Why women are conditioned to believe struggle = success The emotional toll of financial anxiety (and how to ditch it) Why working harder doesn't always mean making more How to build wealth without burning yourself out This episode is part of my Unraveling Your Relationship with Money series, leading up to the launch of my book Unraveling Your Relationship with Money, because if you don't heal your money story, you'll stay stuck in the same cycle forever. Resources & Links: Connect with Purse Strings for financial education & resources → https://pursestrings.co/ Preorder Unraveling Your Relationship with Money → http://www.everyonestalkinmoney.com/book Follow me on Instagram @shannahgame → http://www.instagram.com/shannahgame If this episode hit home, here's what to do next: Share it with one woman who needs to hear this truth. Leave a review—it helps more women break free from money stress. DM me on Instagram with your biggest takeaway. Learn more about your ad choices. Visit megaphone.fm/adchoices

This episode marks 10 years of Everyone's Talkin' Money—formerly Millennial Money. Over the past decade, I've interviewed hundreds of experts, financial therapists, and entrepreneurs, and today, I'm sharing the 10 biggest money lessons I've learned. In this episode, you'll learn: How money trauma impacts your financial decisions—and how to heal from it Why wealth isn't about how much you make but how you feel The key to building a spending plan that actually works Why you can't “out-earn” a bad money mindset The simple investing strategy that wins over time How financial shame keeps you stuck—and how to move through it If you want to change your financial life, it starts with your money mindset. That's why I wrote Unraveling Your Relationship with Money, a guide to breaking free from money trauma and building real wealth. Resources & Links Get my book Unraveling Your Relationship with Money → http://www.everyonestalkinmoney.com Work with me 1:1 for money coaching → https://savvycal.com/everyonestalkinmoney/comp Listen now and celebrate 10 years of talking money with me. Learn more about your ad choices. Visit megaphone.fm/adchoices