The New Money Habits Podcast

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Confused about student loans, defaults, or repayment options? In this episode of The New Money Habits Podcast, Coach Nino Villa and The Student Loan Coach Renée Earwood discuss the complexities of student loans, focusing on key terms like deferment, forbearance, and default. They explore the impact of COVID-19 on student loan repayment, the options available for borrowers in default, and the various income-driven repayment plans. The discussion also touches on the legislative landscape surrounding student loans and emphasizes the importance of staying informed and taking action to manage student debt effectively.

In this episode of the Money Habits podcast, Coach Nino Villa engages with licensed financial advisor Bereket Kelile to explore the intricacies of financial planning, particularly focusing on retirement. They discuss the importance of financial literacy, the journey of personal finance, and the various stages of life that influence financial decisions. The conversation emphasizes the need for a proactive approach to managing debt, building wealth, and preparing for market volatility, while also addressing the mindset shifts necessary for financial success. Listeners are encouraged to prioritize planning and seek guidance to navigate their financial journeys effectively.

In this episode of The New Money Habits Podcast, Coach Nino Villa and Cody Sizemore discuss the importance of understanding personal finance beyond just numbers. They explore the psychological aspects of money management, the impact of economic fluctuations, and the significance of long-term investment strategies. Cody shares his approach to financial coaching, emphasizing the need for emotional healing and behavioral change in clients to achieve financial success. They also address the current economic climate, providing practical advice on how to navigate financial challenges and the importance of maintaining a long-term perspective in investing. In this conversation, Nino and Cody discuss the importance of financial stability in the face of economic uncertainty. They explore strategies for managing personal finances, including budgeting, saving, and debt management. The discussion emphasizes the need for a proactive mindset and the importance of aligning spending with personal values. They also address the challenges posed by rising costs of living and provide actionable advice for listeners to navigate their financial situations effectively.

In this episode of The New Money Habits Podcast, Coach Nino Villa interviews THE Student Loan Coach, Renée Earwood. They discuss the complexities of student loans, the importance of understanding repayment options, and the potential consequences of making uninformed decisions. Renee shares her journey into financial coaching, the intricacies of student loan policies, and how she helps clients navigate their student loan situations. The conversation emphasizes the need for financial literacy and informed decision-making in managing student loans effectively.

In this episode of The New Money Habits Podcast, Coach Nino Villa interviews Minelle Sarfo-Adu, a passionate financial coach and real estate agent. Minelle shares her journey as a first-generation American and how her upbringing shaped her desire to help others achieve financial literacy and home ownership. The conversation covers essential financial lessons for emerging adults, the importance of mentorship, and the debate between renting and buying a home. Minelle emphasizes the value of home ownership as a means to build wealth and offers insights into her current projects aimed at educating others about financial stability.

In this episode of The New Money Habits Podcast, Coach Nino Villa and Maria Casillas discuss a financial inquiry from a listener named Danny, who has received a $16,000 windfall. They explore Danny's financial situation, including her goals of home buying, managing student loans, and saving for retirement. The conversation emphasizes the importance of understanding financial priorities, setting realistic goals, and creating a flexible financial plan to manage windfalls effectively. The hosts provide insights on how to evaluate competing financial priorities and the significance of planning ahead to avoid emotional spending.

In this episode of The New Money Habits Podcast, Coach Nino Villa and Karen Hackman discuss the intersection of money and marriage. They explore the importance of communication, understanding each other's financial backgrounds, and the role of collaboration among financial coaches. Karen shares insights from her experience working with couples to help them get on the same financial page, emphasizing the need for open discussions about money to prevent conflicts and strengthen relationships. They also touch on the significance of preparing for marriage by addressing financial topics early on and the impact of wedding costs on future financial stability.

In this episode of The Money Habits Podcast, Coach Nino Villa addresses a client's question about how to prepare for a recession. He emphasizes the importance of understanding what a recession is, the potential benefits it can bring, and outlines five key steps to financially prepare for economic downturns. The conversation also includes a case study of a client who is already well-prepared and concludes with a spiritual perspective on managing financial worries through prayer and faith.

In this episode of The New Money Habits Podcast, Coach Nino Villa and Maria Casillas discuss the complex topic of financial infidelity, exploring its definition, the importance of communication in relationships, and the underlying emotional factors that contribute to such betrayals. They discuss how assumptions about finances can lead to misunderstandings and the role of shame in hiding financial issues. The conversation emphasizes the need for open dialogue about money and offers strategies for couples to navigate financial challenges together, ultimately fostering a healthier financial relationship. In this conversation, Maria and Nino explore the complexities of financial infidelity, emphasizing the importance of communication, trust, and healing in relationships. They discuss practical strategies for effective communication, the role of confession and forgiveness, and the necessity of self-reflection and personal growth in overcoming challenges. The conversation highlights the significance of creating a safe space for discussions and the transformative power of faith in the healing process.

In this episode of The New Money Habits Podcast, Coach Nino Villa shares the inspiring financial journey of one of his clients, detailing her progress through various seasons of financial management. From laying a solid foundation in her first season to flourishing in her second season with travel goals, and finally navigating challenges in her current season, the client demonstrates remarkable discipline and financial maturity. Nino emphasizes the importance of informed decision-making, budgeting, and the ability to be selective in financial choices, showcasing how these principles lead to success and peace of mind.

In this episode of the New Money Habits podcast, Coach Nino Villa addresses questions from the community regarding financial decisions, including whether to pay off a car loan, the impact of paying off debts on credit scores, and how to budget for pets. He emphasizes the importance of understanding personal feelings towards debt, the nuances of credit scores, and the need for thoughtful budgeting rather than arbitrary numbers. The episode also highlights the resources available through the New Money Habits community on Patreon.

In this episode of The New Money Habits Podcast, Coach Nino Villa addresses questions from listeners regarding budgeting for gift giving, managing debt, and the importance of planning for spontaneous spending. He emphasizes the need for intentionality in financial planning, offering strategies for effective budgeting and debt elimination. The conversation highlights the significance of creating a financial plan that accommodates both necessary expenses and personal enjoyment, ensuring a balanced approach to money management.

In this episode of The New Money Habits Podcast, Coach Nino Villa and Maria Casillas discuss the importance of decluttering both physical spaces and finances. They explore how clutter can impact mental well-being and financial organization, emphasizing the compounding effects of disorganization. The hosts share practical tips for identifying clutter, managing finances, and using time management techniques to improve productivity. They also highlight the significance of teaching young people about financial organization to prevent future clutter.

In this episode of The New Money Habits Podcast, Coach Nino Villa addresses a question from a listener about managing debt and savings. He discusses the importance of balancing debt elimination with saving, emphasizing that while principles remain constant, the execution can vary based on individual circumstances. Nino introduces a phased approach to debt elimination, focusing first on active interest-bearing debts, then non-interest-bearing debts, and finally charge-offs. He also highlights the significance of having a peace of mind fund and provides practical examples to illustrate his points. Additionally, he offers tools and resources for listeners to help them manage their debt effectively.

In this episode of The New Money Habits Podcast, Coach Nino Villa addresses the growing trend of financial stress and its correlation with mental health issues such as depression and anxiety. He shares personal experiences and insights from clients, emphasizing that financial situations do not solely dictate joy or happiness. Instead, he explores deeper issues of self-worth and purpose, advocating for a holistic approach to managing finances and mental well-being. The discussion highlights the importance of understanding one's value beyond financial circumstances and finding joy in life despite challenges.

In this episode of The New Money Habits Podcast, Coach Nino Villa and Maria Casillas discuss the complexities of emotional spending, particularly in the context of mental health challenges. They explore a specific post from a Facebook group about emotional eating and spending, dissecting the underlying emotions and societal pressures that contribute to these behaviors. The discussion emphasizes the importance of understanding one's emotions, seeking support, and finding healthier coping mechanisms rather than simply trying to eliminate spending. They advocate for intentional spending and the value of having trusted individuals to confide in for guidance and support.

In this episode, Coach Nino Villa shares his personal journey with financial coaching, emphasizing the importance of transparency and accountability. He discusses his experiences with credit card debt, the lessons learned from financial challenges, and how his perspective on debt has evolved over the years. Nino reflects on his past struggles, the impact of financial education, and the significance of making informed financial decisions. In this conversation, Nino shares his personal journey through financial challenges, including the emotional decision to replace a van, the impact of slower income seasons, and the importance of tithing and giving. He candidly discusses his credit card debt, the reasons behind it, and his plan for recovery, emphasizing the need to trust God and adhere to basic financial principles. Nino's transparency aims to encourage others facing similar struggles, highlighting the peace that can be found even in difficult financial situations.

In this episode of The New Money Habits Podcast, Coach Nino Villa and Maria Casillas discuss the transition into the new year, focusing on routines, goal setting, and the popular trend of no spend challenges. They explore the reasons behind the rapid growth of no spend groups, the importance of understanding personal spending habits, and the need for mindful spending rather than restrictive challenges. The discussion emphasizes the significance of personalizing financial approaches and identifying discomfort in spending to foster better financial habits. In this conversation, the duo explore the importance of understanding and redefining spending categories to foster mindful spending habits. They discuss how personal connections to spending can lead to more intentional financial decisions, emphasizing the need to reflect on beliefs and motivations behind spending behaviors. The conversation highlights the significance of creating a purposeful plan for spending, encouraging listeners to seek help in identifying their financial goals and challenges.

In this episode of The New Money Habits Podcast, Coach Nino Villa and Maria Casillas reflect on the passage of time and the common practice of making New Year's resolutions. They discuss the shortcomings of resolutions, emphasizing the need for deeper purpose and motivation behind goal setting. The duo advocates for setting SMART goals across various life areas, aligning them with spiritual values to ensure meaningful progress in the new year. They discuss the significance of intentional connections in life, the challenges of measuring success in relationships, and the dynamics of parenting. The conversation also addresses the process of building new habits and the technique of habit stacking to facilitate personal growth and development.

In this heartfelt Christmas episode, Coach Nino and Maria discuss the spirit of the season, sharing personal traditions and values that shape their holiday experiences. They navigate the complexities of loss and change, reflecting on how these challenges impact their celebrations. The conversation emphasizes the importance of connection, joy, and meaningful gift-giving while advocating for a simpler, more intentional approach to Christmas. In this conversation, Maria Casillas discussed the significance of thoughtful gift-giving, the impact of consumerism on children's creativity, and the value of experiences over material possessions. They explore how societal norms can lead to a sense of entitlement and how meaningful connections can enhance the joy of giving. The discussion culminates in a reflection on the true meaning of Christmas, emphasizing the importance of following one's purpose and the significance of the holiday season.

In this episode of The New Money Habits, Nino Villa and Maria Casillas continue their discussion about the complexities of credit card use, discussing its benefits and risks. They explore the importance of financial literacy, the security and convenience that credit cards can offer, and the behavioral aspects of managing credit. The dialogue emphasizes the need for a solid foundation in personal finance before engaging with credit tools, while also acknowledging the potential pitfalls of misuse. Ultimately, they advocate for a balanced approach to credit card use, recognizing that it can be a valuable financial tool when handled wisely.

In this episode, Nino Villa and Maria Casillas discuss the complexities of credit card use, discussing its benefits and risks. They explore the importance of financial literacy, the security and convenience that credit cards can offer, and the behavioral aspects of managing credit. The dialogue emphasizes the need for a solid foundation in personal finance before engaging with credit tools, while also acknowledging the potential pitfalls of misuse. Ultimately, they advocate for a balanced approach to credit card use, recognizing that it can be a valuable financial tool when handled wisely.

In this episode of The New Money Habits podcast, Coach Nino Villa and Catherine Van Der Laan continue to explore the importance of teaching children about money management. They discuss various milestones in financial understanding, practical approaches to instilling money habits, and the significance of real-world experiences in shaping financial literacy. The conversation emphasizes the role of failure as a learning tool and the need for parents to start teaching their kids about money at an early age, fostering responsibility and dignity in their financial decisions.

In this episode of The New Money Habits Podcast, Coach Nino Villa and Catherine Van Der Laan explore the importance of teaching children about money management. They discuss various milestones in financial understanding, practical approaches to instilling money habits, and the significance of real-world experiences in shaping financial literacy. The conversation emphasizes the role of failure as a learning tool and the need for parents to start teaching their kids about money at an early age, fostering responsibility and dignity in their financial decisions.

In this episode of The New Money Habits Podcast, Coach Nino Villa and Maria Casillas discuss the importance of teaching personal finance to your kids, focusing on values and financial literacy. They explore the challenges of preparing the next generation for adulthood in a changing economy, emphasizing the distinction between vocation and career. The discussion also touches on cultural perspectives regarding adult children living at home, the significance of financial responsibility, and the necessity of open conversations with children about their values and goals.

In this episode of The New Money Habits Podcast, Nino Villa and Maria Casillas discuss the importance of early holiday budgeting and the emotional aspects of gift-giving. They emphasize the need for open communication about financial planning within families, especially regarding Christmas. The discussion transitions into the motivations behind giving, exploring how to give without feeling obligated and the significance of seeking God's will in our generosity. They also highlight the importance of balance in giving, focusing on time, talent, and treasure, and encourage listeners to create a personalized plan for their generosity.

In this conversation, Coach Nino Villa and Karen discuss the critical intersection of marriage and finances. They explore the challenges newlyweds face in managing money together, the importance of open communication about financial backgrounds, and the necessity of establishing regular financial discussions. Karen shares her journey from financial chaos to harmony with her husband, emphasizing the significance of understanding each other's money mindsets and values. They also address the issue of financial infidelity, the role of faith in financial decisions, and the importance of dreaming big as a couple. The conversation concludes with practical advice for couples to navigate their financial journey together.

In this episode of The New Money Habits Podcast, Nino Villa is joined once again by Maria Casillas to dive into the intersection of Cognitive Behavioral Therapy (CBT) and money management. Together, they explore the concept of subconscious scripts versus being conscious of “activating events” and triggers that shape how we feel, think, and behave with money. This insightful discussion sheds light on the psychological patterns that often dictate financial habits and provides listeners with strategies to become more aware of their money-related behaviors.

In part two of this special episode of The New Money Habits Podcast, Nino Villa and Catherine Van Der Laan continue their discussion on SMART financial goals, shifting the focus to the importance of setting deadlines and maintaining momentum. Catherine explains why it's better to prioritize a single macro goal instead of juggling multiple goals at once. By understanding human behavior and how momentum plays a pivotal role in success, this episode offers practical tips for narrowing your focus and achieving more by doing less.

In part one of this two-part episode of The New Money Habits Podcast, Nino Villa and special guest Catherine Van Der Laan dive deep into setting SMART financial goals—goals that are Specific, Measurable, Achievable, Relevant, and Time-bound. Along the way, they explore the importance of being honest with yourself when setting goals. Do you truly want what you're aiming for? Catherine shares practical insights on how to align your goals with your values, ensuring they're not just realistic, but also personally meaningful.

In this episode of The New Money Habits Podcast, Nino Villa and Maria Casillas explore the importance of having someone in your life who cares enough to provide honest reflection. This goes beyond the typical role of an accountability partner—it's about having someone who offers constructive, sometimes tough, feedback that helps you grow. Tune in to discover how to find this person, why their feedback is essential for lasting change, and how honest reflection can accelerate your financial and personal success.

In this episode, Coach Nino Villa continues his conversation with fellow New Money Habits co-founder Maria Casillas about the stages of change as they relate to managing debt. If you've ever struggled with debt relapse or fallen back into old financial habits, this conversation is for you. Maria, an expert in behavioral psychology, explains how understanding the stages of change—precontemplation, contemplation, consideration, action, and maintenance—can help you break free from the cycle of debt and regain control of your financial life. And don't miss Nino open up about his own struggle with change in an unforeseen twist.

In this episode, Coach Nino Villa is joined by fellow New Money Habits co-founder Maria Casillas to dive into the stages of change as they relate to managing debt. If you've ever struggled with debt relapse or fallen back into old financial habits, this conversation is for you. Maria, an expert in behavioral psychology, explains how understanding the stages of change—pre-contemplation, contemplation, consideration, action, and maintenance—can help you break free from the cycle of debt and regain control of your financial life. We aim to inspire hope and provide practical steps for anyone who feels stuck or discouraged on their debt journey. Tune in to learn how each stage can be a stepping stone toward lasting financial transformation.

In this episode, Coach Nino Villa is joined by Christian Financial and Executive Coach Catherine Van Der Laan to discuss her powerful 7-step financial abundance process. In Part 1, Catherine takes us through her method, which is designed to help individuals achieve financial peace, joy, and contentment. She emphasizes the importance of personal responsibility, value-based spending, and strategic giving as foundations for financial success. Catherine and Nino dive deep into how aligning our financial decisions with biblical principles can lead to true abundance.

In this episode of The New Money Habits Podcast, Coach Nino Villa is joined by Christian Financial and Executive Coach Catherine Van Der Laan to discuss her powerful 7-step financial abundance process. In Part 1, Catherine takes us through her method, which is designed to help individuals achieve financial peace, joy, and contentment. She emphasizes the importance of personal responsibility, value-based spending, and strategic giving as foundations for financial success. Catherine and Nino dive deep into how aligning our financial decisions with biblical principles can lead to true abundance.

In this episode of The New Money Habits Podcast, Coach Nino Villa sits down with Maria Casillas, co-founder of New Money Habits and an expert in behavioral psychology. Together, they dive deep into the critical topic of prioritizing expenses and managing your financial margin—whether you're dealing with a surplus or a shortfall. Through an insightful discussion, they explore the unique paradigm of what you think you want versus what you actually need to achieve sustainable financial success. This episode is packed with practical tips and eye-opening revelations that will help you realign your financial priorities, shift your mindset, and make meaningful progress toward your financial goals. Whether you're struggling to make ends meet or figuring out how to best use your extra income, this conversation will provide the guidance you need to navigate your financial journey with clarity and purpose.

In this special episode of The New Money Habits Podcast, Coach Nino Villa sits down with Catherine Van Der Laan, a passionate advocate for financial literacy and the creator of an innovative outreach-in-a-box program designed for churches. Catherine shares her inspiring journey into financial literacy and discusses the concept of financial abundance from a biblical perspective. Together, they dive into the importance of personal responsibility, value-based spending, and the joy of giving. Tune in for an enriching conversation that blends faith with actionable financial wisdom.

In this special episode of The New Money Habits Podcast, Coach Nino Villa sits down with Catherine Van Der Laan, a passionate advocate for financial literacy and the creator of an innovative outreach-in-a-box program designed for churches. Catherine shares her inspiring journey into financial literacy and discusses the concept of financial abundance from a biblical perspective. Together, they dive into the importance of personal responsibility, value-based spending, and the joy of giving. Tune in for an enriching conversation that blends faith with actionable financial wisdom.

In this episode of The New Money Habits Podcast, Coach Nino Villa addresses three common financial challenges: how much to save before tackling debt, breaking the cycle of living paycheck to paycheck, and navigating the housing market in today's economy. Discover actionable tips, biblical principles, and real-world advice tailored to your financial journey. Whether you're building an “emergency fund”, seeking ways to increase your income, or planning to buy a home, this episode provides the guidance you need.

In this episode of The New Money Habits Podcast, Coach Nino Villa responds to Adam's story about the financial challenges his family faces. Learn strategies for balancing household financial responsibilities and maintaining financial health. Discover how to apply Biblical principles to your financial decisions and find peace in your financial journey. Tune in for practical advice and faith-based guidance.

In this episode of The New Money Habits Podcast, Coach Nino Villa provides practical strategies for getting caught up on overdue bills. Learn how to assess your financial situation, prioritize and pay off debts, and maintain financial health. Tune in for actionable advice and insights to help you achieve financial stability.

In this episode of The New Money Habits Podcast, Coach Nino Villa explains how to make the most of an extra paycheck in August for those paid biweekly. Learn the importance of planning for September's bills with August's income and budgeting according to pay periods rather than just the month. Discover practical tips for managing the extra paycheck, including paying down debt, building an emergency fund, and saving for future expenses. Tune in for insights on how to stay financially stable.

In this episode of The New Money Habits Podcast, Coach Nino Villa discusses the importance of financial planning for major life events, including marriage, having children, buying a home, and retirement. Learn practical steps and actionable tips for preparing financially for these significant milestones. Discover how diligent planning can lead to a prosperous and harmonious future, and explore the benefits of one-on-one financial coaching for personalized advice.

In this episode of The New Money Habits Podcast, Coach Nino Villa guides you through creating a Christmas budget in July. Learn how to list people to buy for and events to attend, set a spending cap for each, and total your budget. Discover how to divide the total by the number of pay periods between now and Thanksgiving to take advantage of Black Friday deals. Avoid holiday debt and stress by planning your holiday finances early. Tune in for practical tips and tools to make your holiday season joyful and debt-free.

Do emotions drive your financial choices? Join Coach Nino and Sarah as they discuss how feelings like regret, boredom, anger, stress, fear, love, and relief impact your money management. This episode provides practical strategies to foster self-awareness and mindfulness, helping you build a healthy emotional relationship with your finances. Through personal stories and expert advice, learn to cultivate a positive money mindset and make sound financial decisions. Empower yourself to navigate the emotional terrain of money effectively!

Do emotions drive your financial choices? Join Coach Nino and Sarah as they discuss how feelings like regret, boredom, anger, stress, fear, love, and relief impact your money management. This episode provides practical strategies to foster self-awareness and mindfulness, helping you build a healthy emotional relationship with your finances. Through personal stories and expert advice, learn to cultivate a positive money mindset and make sound financial decisions. Empower yourself to navigate the emotional terrain of money effectively!

In this episode of The New Money Habits Podcast, Coach Nino Villa discuss the crucial topic of financial protection, focusing on life insurance and long-term care insurance. Learn about the different types of life insurance, the benefits of long-term care coverage, and how to choose the right policies for your needs. Discover how these insurance options can fit into your overall financial plan, providing peace of mind and security for you and your loved ones. Tune in to gain actionable insights and tips for safeguarding your financial future.

In this episode of The New Money Habits Podcast, Coach Nino Villa explores the rising trend of loud budgeting. Learn how sharing your financial journey publicly can boost accountability, provide community support, and help you achieve your financial goals. Discover practical steps to get started, hear inspiring success stories, and find the tools and resources to make loud budgeting work for you. Join us to transform your financial habits through transparency and community.

In this episode of The New Money Habits Podcast, Coach Nino Villa dives into the transformative power of the "Profit First" model by Mike Michalowicz. Learn how to prioritize profit, manage your business finances effectively, and achieve greater financial stability. Discover actionable strategies for implementing the "Profit First" model in your own business, and unlock the key to long-term profitability and success.