I created this Money Files series to give you the opportunity to join me in a money conversation that is different than any you’ve ever heard before. I will share candid conversations I’ve had with my clients about how their relationship with money has changed. I’ve chosen to share different journeys with you because I want you to see just how perfectly imperfect your financial journey can be and how personal it can be nonetheless.
Think you've got extra money because daycare is over or your car is paid off? You don't. Not until you've stopped doing fake math.In this episode, I unpack one of the sneakiest money traps high earners fall into: the illusion of “extra” money. You feel like you should have more to show, after all, your expenses went down or your income went up. So why isn't your bank account reflecting that?Because fake math is running the show.I'll walk you through my A.S.S. Method—Acknowledge, Save, Shift—the same process I use with clients to prevent lifestyle creep, stop overspending, and finally make real progress.If you're tired of wondering where your “extra” money went, this episode will help you put every dollar to work so you can see the extra money. Listen to learn how to leverage the Acknowledge, Save, Shift method to ditch mental math and start budgeting with real numbers…[01:11] Mental math is fake math[06:08] Learn the Acknowledge, Save, Shift method[06:39] Acknowledge what has changed in your money flow[07:56] Save with intention[12:10] Shift your money to meet your new financial goals Tune into this episode of Money Files to discover how to implement the Acknowledge, Save, Shift method into your money system. Get full show notes and the episode transcript: https://wealthovernow.com/the-a-s-s-method-how-to-actually-see-your-extra-money/Links mentioned in this episode…Set up a call | Financial Coach Washington, DC | Wealth Over NowDownload my FREE spending plan
Paying off debt fast doesn't always equal financial freedom. In fact, it might be the reason you're stuck in the debt-shame-burnout cycle.In this episode, I break down the real cost of debt binging and why throwing every dollar at your balance might leave you worse off emotionally and financially. I share how to build a debt balance—not just pay off a balance. I talk about sustainability, budgeting systems, and why the real transformation isn't in the numbers, but in how you feel and act around money.If you've ever paid off a credit card only to find yourself swiping again weeks later, this episode is for you. If you've ever used a bonus or lump sum to get ahead, but still felt behind, this episode is especially for you.The real win isn't getting out of debt. It's staying out of debt for good.Listen to learn how to break free from debt shame and burnout…[00:10] Why you shouldn't rush to pay off debt[02:26] Getting stuck in the debt binge cycle[06:27] You debt isn't the problem; the problem is your system[11:07] Debt balance vs. debt burnout: debt is information, not shameTune into this episode of Money Files to hear how rushing to pay off debt might do more harm than good - and what you should do instead.Get full show notes and the episode transcript: https://wealthovernow.com/debt-binge-vs-debt-balance-what-no-one-tells-you-about-paying-off-debt/Links mentioned in this episode…Set up a call | Financial Coach Washington, DC | Wealth Over NowDownload my FREE spending plan
Budgeting without real numbers is just expensive guesswork.In this episode, I'm diving into one of the most common habits I see with high earners: fake math. That's the guessing, rounding, and “I'll figure it out later” mindset that keeps you stuck in financial stress, even with a six-figure income.You'll learn how fake math creates a false sense of security, why confronting it feels so vulnerable, and how facing your real numbers is the first step toward overcoming financial shame, finding clarity in your budget, and long-term financial freedom.Are you ready to stop guessing and start understanding your numbers? It's time to call out the fake math that is sabotaging your budget. Tune in to learn how to take back control of your bank account. Listen to learn how to call out fake math in your budget…[02:08] Why it is scary to call out fake math[04:04] Dealing with discomfort now to lay the groundwork to say yes in the future[10:50] Inviting curiosity to combat the shameTune in to stop relying on fake math and start making confident, clear financial decisions.Get full show notes and the episode transcript: https://wealthovernow.com/the-fear-of-fake-math-what-happens-when-you-finally-face-it/Links mentioned in this episode…Set up a call | Financial Coach Washington, DC | Wealth Over NowDownload my FREE spending plan
April came to my coaching program as a newly single mom, juggling grad school, parenting, and a full-time job — and feeling overwhelmed and out of control with her money.In this episode, April and I discuss how she went from considering bankruptcy to building financial confidence. You'll hear which beliefs finally shifted for her, the tough-love moment that helped her take ownership of her finances, and the simple but powerful habits she's using to stay on track today.Whether you're stuck in overdraft fees, constantly second-guessing yourself, or just want to hear a story of what's possible, April's journey is the reminder you need: it can get better — and you are more capable than you think.Get inspired by April's financial journey…[01:05] April's money story[08:33] Building self-trust and healthy money habits[16:30] April's accomplishments since starting coaching[22:23] How April knew she was ready for coaching[25:20] April's new relationship with moneyTune into this episode of Money Files to hear April's money story and how tough love, believing in herself, and building healthy habits has changed the way she thinks about and manages her finances.Get full show notes and the episode transcript: https://wealthovernow.com/mvp-why-april-chose-budgeting-over-bankruptcy-and-how-it-paid-off/Links mentioned in this episode…Set up a call | Financial Coach Washington, DC | Wealth Over NowDownload my FREE spending plan
A six-figure salary should feel like freedom… so why does it still feel like you're barely keeping up?Welcome to Why Your Money Feels Messy, a special podcast series where I get real about what's actually going on with your finances — and how to finally fix it.In this first episode, I break down something I call “fake math” — the sneaky budgeting habits and financial assumptions that keep high earners stuck in stress, shame, and money confusion. I'll show you how fake math shows up in your numbers, your mindset, and even your language — and why it has you trapped in the paycheck-to-paycheck cycle. I also share four simple steps you can take today to disrupt fake math and start getting honest (and strategic) with your finances.If you are tired of feeling like your money is messy, this episode is your wake-up call — and your starting point. Hit play, and let's clean up your finances together.Listen to learn how fake math is keeping you stuck in financial uncertainty…[02:57] How fake math shows up in your life[08:23] Why fake math is dangerous[09:30] 4 types of money shame[11:30] 4 steps to disrupt fake mathTune into this episode of Money Files to discover how fake math shows up in your life and four steps you can take to disrupt it.Get full show notes and the episode transcript: https://wealthovernow.com/why-your-finances-feel-messy-the-truth-about-fake-math-ep-1/Links mentioned in this episode…Set up a call | Financial Coach Washington, DC | Wealth Over NowDownload my FREE spending plan
Are you changing your budgeting system month after month—and still not seeing results?In this episode, I challenge you to ditch the viral budgeting trends and money apps and build a spending plan based on your values and goals. For high-income earners, financial clarity doesn't come from constantly resetting—it comes from committing to one financial management system that adapts with you over time. I walk through my Three Bucket System, how to plan for expenses months in advance, and why consistency—not complexity—is the key to building financial trust and security.If you're tired of reactive spending and want a sustainable strategy customized to your lifestyle, this episode will shift how you think about budgeting and financial management.Learn the power of consistency and sticking with one system…[00:49] I coach my clients on one financial management system[03:33] Why you need to stick to one system for one year[07:06] The 3 bucket money system[09:56] The power of building consistencyTune into this episode of Money Files to discover how leaning into one financial management system will help you ditch the fake math, find consistency, and regain control of your spending.Get full show notes and the episode transcript: https://wealthovernow.com/the-power-of-a-one-year-money-system/ Links mentioned in this episode…Set up a call | Financial Coach Washington, DC | Wealth Over NowDownload my FREE spending plan
If you're earning a six-figure income but still wondering where your money goes at the end of each month, you're not alone. Many high earners feel like their spending is out of control, their savings are inconsistent, and like they are reacting instead of managing their money intentionally.In this episode, I introduce my Three Bucket Money System, a core framework that I teach to every client. This system helps you regain control, create financial safety, and feel confident about your finances. It's a simple, repeatable approach that works regardless of how often you're paid or how complex your financial situation may seem. This method removes the guesswork, eliminates emotional math, and puts you in charge of your cash flow—all without the need for tedious spreadsheets or financial overwhelm.If you're tired of feeling afraid to check your bank account and want to become organized, empowered, and in charge of your finances, this episode is for you. Tune in to discover my Three Bucket Money System, which has helped my clients achieve their financial goals and spend drama-free.Learn my Three Bucket Money System…[03:11] Defining my Three Bucket Money System[04:10] Bills account[05:48] Spending account[06:31] Savings account[08:10] Why my Three Bucket Money System worksTune into this episode of Money Files to start implementing my Three Bucket Money System and regain control of your finances. Get full show notes and the episode transcript: https://wealthovernow.com/the-smart-way-to-budget-as-a-six-figure-earner-my-three-bucket-money-system/Links mentioned in this episode…Set up a call | Financial Coach Washington, DC | Wealth Over NowDownload my FREE spending plan
Are you still relying on your list of bills to manage your finances? It's time to break free from that cycle and create a system that supports your financial future.In this episode, I'm diving into why a list of bills isn't a budget. If you find yourself trapped in the same financial patterns year after year, it's likely because you're using "fake math"—planning only for what's due without considering your real-life needs or goals. I'll explain why this method keeps you stuck and how shifting to a budget based on your actual spending patterns and lifestyle can help you stop reacting to expenses and start managing your money with confidence.If you're ready to leave behind the stress of living paycheck to paycheck and start planning for your financial safety and freedom, this episode is for you. Tune in to learn how budgeting with real math can transform how you manage your money so you can overcome the financial overwhelm and shame holding you back from hitting your goals.Learn how to break free from the list of bills…[01:16] Why a list of bills isn't a budget[06:13] What real math allows you to do with your finances[09:24] Say goodbye to your list of billsTune into this episode of Money Files to learn why you need to stop using a list of bills as a budget and start aligning your spending with your lifestyle. Get full show notes and the episode transcript: https://wealthovernow.com/why-your-list-of-bills-isnt-a-budget-and-what-to-do-instead/Links mentioned in this episode…Set up a call | Financial Coach Washington, DC | Wealth Over NowDownload my FREE spending plan
Are you tired of feeling like you "should" be better with money but never seem to get ahead? It's time to stop the shame cycle and start implementing a system that actually works for you!In today's episode, I'm tackling the myth of “being good with money” and why that phrase can actually hold you back. I'm sharing how having a money system – not just hopes or wishful thinking – can help you feel secure with your finances. I'll break down the importance of having a plan for your spending, saving, and handling life's curveballs. Plus, I'll share how this mindset shift helped me reach my financial goals and overcome feelings of shame and insecurity about money.Ready to stop feeling anxious when you check your bank account and start creating a system that works? Learn how to stop saying, "I need to be better with money," and begin making progress with a simple, actionable plan. It's time to create the financial system that works for YOU!Let's demystify the idea of being “good” with money…[0:22] The dangers of the “good with money” mindset[02:25] Keina's personal examples[06:45] Client examples[07:45] How shame shows up in your financesTune into this episode of Money Files to learn why you need to stop using the phrase “good with money” and start focusing on building systems that align your spending with your real life.Get full show notes and the episode transcript: https://wealthovernow.com/breaking-free-from-the-i-should-be-better-with-money-trap/Links mentioned in this episode…Set up a call | Financial Coach Washington, DC | Wealth Over NowDownload my FREE spending plan
Did you enter 2025 with big financial goals, only to find that your momentum faded by the end of Q1? Don't worry—you're not alone! In today's episode, I'm sharing my Q1 reflections and how you can use this time to reset and reflect on your finances. Whether you're feeling great about your money habits or realizing it's time to adjust your approach, now's the perfect moment to check-in.I discuss the power of reflection in managing your money and the importance of building a relationship with your finances. I'll walk you through how seasonal changes can affect your spending and how to avoid falling into the trap of “fake math” when it comes to social spending. I also share practical advice on how to repurpose your budget to match your real-life goals and expenses.As we approach Q2, I challenge you to assess where your money has been going and make thoughtful adjustments. Your budget is a living document—it's meant to grow with you and reflect your changing needs. So, take a moment to pause, reflect, and consider where your money is going this year. Let's make Q2 the season of intentional spending!Learn how to reflect on your Q1 finances and start planning for Q2…[02:54] The importance of reflecting on your Q1 spending & budget[06:18] Seasonal spending & fake math[08:45] Repurposing money to align with your lifestyle[16:27] How to treat you budget like a working documentTune into this episode of Money Files to learn how to reflect on your Q1 spending and adjust your budget to align with how you want to spend money in Q2.EXCLUSIVE BONUS CONTENTWant more Money Files? Check out my private podcast series that covers four types of shame that keep you stuck when it comes to managing your finances. I give you systems to overcome the shame and make your money work for you. Download these exclusive podcast episodes here.Get full show notes and the episode transcript: https://wealthovernow.com/resetting-your-finances-q1-reflections-and-q2-planning/Links mentioned in this episode…Set up a call | Financial Coach Washington, DC | Wealth Over NowDownload my FREE spending plan
Does planning for retirement feel overwhelming?In this episode, I talk about how developing your own investment philosophy can help you approach saving for retirement with clarity and intention. I share my personal journey—from starting small with company-matched contributions to maximizing my retirement savings as an entrepreneur.The best time to start planning for retirement is now, and I outline three steps to help you build your investment philosophy. You'll get practical tips on automating your retirement contributions and balancing financial priorities so you can begin investing in your future.If you're ready to stop stressing over retirement savings and start building a money management strategy that addresses your goals, this episode is for you. Tune in now and grab those tips that will change the way you think about planning for retirement. Your future self will thank you!Learn how to prioritize your retirement by creating your investment philosophy…[02:30] Where are you at with retirement?[07:45] Why you need to prioritize saving for retirement[12:20] 3 steps to take nowTune into this episode of Money Files to learn how to build an investment philosophy and start prioritizing your retirement.Get full show notes and the episode transcript: https://wealthovernow.com/how-to-simplify-your-retirement-plan/Links mentioned in this episode…Set up a call | Financial Coach Washington, DC | Wealth Over NowDownload my FREE spending plan
Are you spending your tax return before it even hits your account? You're not alone. In this episode, I'm talking about the cycle that keeps you stuck—thinking your tax return will save you, but it disappears before you even get it. I've been there and am here to show you how to transform your money habits so you feel financially secure without relying on tax return season to bail you out. I share a three-part exercise to help you leverage your tax return to hit your financial goals. This process isn't about restriction or paying down debt as quickly as possible. I want you to spend your money on what you want by building a sustainable money management process that works for you every month, not just during tax season.If you're tired of feeling like you're starting over every time you get extra money, this episode is for you. Listen in to find out how to stop relying on big lump sums and start managing your money with confidence. Learn how to break free from the tax return cycle…[01:40] Are you stuck in the tax return cycle?[07:02] 3-part exercise to plan how you will spend your tax return[15:20] Building sustainable money habitsTune into this episode of Money Files to learn how to stop relying on your tax return and start leveraging sustainable money habits to regain control of your finances.Get full show notes and the episode transcript: https://wealthovernow.com/how-to-stop-relying-on-tax-season-for-financial-security/Links mentioned in this episode…Set up a call | Financial Coach Washington, DC | Wealth Over NowDownload my FREE spending plan
In this episode, I'm diving into the important topic of preparing financially for divorce. As a financial coach, I know how significant this transition can be, and I'm here to break it down in a clear, simple, and actionable way. Whether you're considering divorce, already in the process, or just curious about financial preparation, this episode is for you.I share insights from my work with clients, including single moms and women who've been through a divorce. You'll hear about real-life stories and challenges that may resonate with you. I'll guide you through six steps you can take now to feel prepared, confident, and in control of your finances before, during, and after divorce.If you're in the midst of divorce or just starting to think about it, I'm here to remind you that you are not alone. With the proper preparation and support, you can move forward confidently and create financial security.Listen for key insights on financial planning for divorce…[01:39] The importance of knowing your numbers pre-divorce[06:26] Preparing for legal fees[08:24] Considering child costs[10:36] Acknowledging financial reality post-divorce[12:04] Potential income adjustments[13:05] You need a support teamTune into this episode of Money Files to learn financial steps you should take if you are considering divorce.Get full show notes and the episode transcript: https://wealthovernow.com/money-matters-preparing-for-divorce-with-financial-confidence/Links mentioned in this episode…Set up a call | Financial Coach Washington, DC | Wealth Over NowDownload my FREE spending plan03 I How Having a Team Helped Lisa Payoff $20,000 in Debt 12 I How Kim Changed Her Finances In One Hour136 | How Saving Money Helped Krissy Spend On Things That Mattered
Have you ever caught yourself comparing your financial journey to someone else's? Maybe you've felt like you're just not "good with money" because others seem to have it figured out. This shame traps you in a cycle of avoidance and keeps you stuck in unhealthy financial choices that hold you back from meeting your goals.In today's episode, I explain reflection shame, how it might show up for you, and why a fixed mindset is keeping you from making progress in regaining control of your finances. I discuss how to break free from shame and the impulse to compare yourself to other people. Then, I give you actionable steps to help you shift your mindset and start aligning your spending and financial habits with what you want to do with your goals.Whether your goal is saving, paying down debt, or just learning to track your spending, today's episode teaches you the tools to stop comparing and start growing. Listen for key insights on reflection shame… [01:00] Ways shame might show up for you [04:56] How a fixed mindset is keeping you stuck [20:14] Steps to shift your reflection shameTune into this episode of Money Files to learn how to shift your reflection shame so you can stop comparing your finances to others and begin establishing financial security. Get full show notes and the episode transcript: https://wealthovernow.com/how-to-stop-comparing-your-financial-journey-to-others/Links mentioned in this episode…Set up a call | Financial Coach Washington, DC | Wealth Over NowDownload my FREE spending planMindset: The New Psychology of Success: 9780345472328: Dweck, Carol S.: Books140 | Why Non-Budget Victories Are the Building Blocks to Paying Off Debt and Saving Money
In this episode, I dive into how social media is reshaping our spending habits without us even realizing it. We've all heard of “Keeping Up With the Joneses,” but now, those Joneses might be right in your social media feed—whether it's the latest wellness craze, food trends, or parenting expectations. I share stories and tips to help you identify and disrupt these sneaky influences before they derail your financial goals. If you're ready to take control of your spending and reset your financial habits, this episode is a must-listen. Tune in to find out how to spot and stop the new Joneses from taking over your budget!.Discover how social media has replaced “Keeping up with the Joneses”: [02:33] Social media is shaping our spending [06:00] Wellness & self-care [08:38] Food and lifestyle [11:34] Parenting [17:13] Steps to reset your financial taste budsTune into this episode of Money Files to learn how external influences could be impacting your spending and preventing you from hitting your financial goals. Get full show notes and the episode transcript: https://wealthovernow.com/stop-letting-the-new-joneses-control-your-budget/Links mentioned in this episode…Set up a call | Financial Coach Washington, DC | Wealth Over NowDownload my FREE spending plan
Have you ever felt like there was more month than money? As a six-figure earner, you might wonder how it is possible to make a good income and still feel like you don't have enough to save, pay down debt, or reach your goals. The problem isn't with your paycheck. It's that you aren't aligning your budget with how you spend money.In this episode of Money Files, I dive into the common struggles many high earners face with their finances, even when making six figures or more. I discuss why a budget is essential, especially when things like lifestyle creep, life changes, and inflation are at play. I also share practical tips on how to take control of your finances, break free from the cycle of overspending, and ensure your budget reflects your reality, not fake math. Listen to learn how an intentional approach to spending can give you confidence and clarity with your money.Explore why it might feel like you don't make enough money and what to do about it: [03:02] Why you need a budget [04:45] 3 reasons you don't think you make enough money [04:50] Lifestyle creep [06:55] Life cycles [08:41] Inflation [13:42] 3 actionable steps to align your budget with your spendingTune into this episode of Money Files to learn why it can feel like there is more month than money and actionable steps to take to realign your budget with your spending. Get full show notes and the episode transcript: https://wealthovernow.com/how-to-align-your-budget-with-your-financial-reality/Links mentioned in this episode…Set up a call | Financial Coach Washington, DC | Wealth Over NowDownload my FREE spending plan
Do you have a spending problem? In today's episode, I share how your personal spending story can help reshape the way you think about money and guide you toward making more intentional purchases that align with your budget and financial goals. I'm not here to make you feel bad about spending, and I don't advocate for "no-spend" challenges that vilify buying the things you want. Instead, I want to help you identify the emotional, habitual, and environmental triggers that drive your purchases. This awareness will help you regain control of your finances and shift toward intentional, guilt-free spending based on your values. If you've ever found yourself overspending or feeling out of control with money, this episode will give you practical insights and tools to reflect on your spending habits and make meaningful changes. Listen to learn how to discover your personal spending story so you can feel empowered about the choices you make with your money. [03:25] How to discover your personal spending story [05:04] Spending type: habitual vs. environmental vs. emotional [11:10] Identifying where you overspend [16:25] 4 actional steps to make intentional shifts in your spending Tune into this episode of Money Files to learn how to discover your personal spending story and learn steps you can take to make intentional shifts in how you spend money. Get full show notes and the episode transcript: https://wealthovernow.com/rewriting-your-spending-story-how-to-spend-with-purpose-and-confidence/ Links mentioned in this episode… Set up a call | Financial Coach Washington, DC | Wealth Over Now Download my FREE spending plan
In today's episode, I'm diving into a topic that's top of mind for many of you right now—adjusting your budget as you return to work after years of working from home. If you're one of the many federal employees who's now required to go into the office as departments shift back to in-person work, this episode is for you. I walk you through the financial shifts you may experience as your schedules and routines change. From adjusting grocery budgets to accounting for childcare, I cover everything you might not be thinking about, like clothes, tolls, and even pet care, now that you're back at the office full time. I share practical strategies for making sure your budget is aligned with these changes to help mitigate financial stress and avoid impulse spending. If you're preparing to transition back to the office, tune in for actionable advice on reviewing and amending your budget to stay on track to meet your financial goals. Consider these financial implications of transitioning back to the office: [01:30] Preparing for new expenses [02:50] Food [05:28] Transportation [10:16] Clothing [12:00] Childcare [13:42] Reviewing your schedule to anticipate expenses Tune into this episode of Money Files to learn how to review your budget and prepare for new expenses as you transition from working from home to going back into the office full time. Get full show notes and the episode transcript: https://wealthovernow.com/back-to-in-person-work-heres-how-to-prepare-your-budget/ Links mentioned in this episode… Set up a call | Financial Coach Washington, DC | Wealth Over Now Download my FREE spending plan
In this episode of Money Files, I break down the concept of "financial grazing"—a common habit where small, unplanned expenses sneak into your budget and start to derail your progress. It's easy to justify these little splurges when you're feeling good about your finances, but over time, they can add up and pull you away from the habits that helped you succeed in the first place. I explore the reasons behind financial grazing and how you can get back on track. Awareness is key to regaining control, and if you've found yourself slipping into this habit, you're not alone. Listen in for practical tips to refocus on your financial goals and stay on course. Tune in to explore the concept of financial grazing ... [02:20] What is financial grazing? [04:40] How financial grazing shows up [07:56] Identifying why it's happening [13:30] Actionable steps to address financial grazing Tune into this episode of Money Files to learn what financial grazing is, how to identify it, and what to do about it so you can reach your financial goals. Get full show notes and the episode transcript: https://wealthovernow.com/financial-grazing-how-little-habits-can-derail-big-goals/ Links mentioned in this episode… Set up a call | Financial Coach Washington, DC | Wealth Over Now Download my FREE spending plan
In today's episode, I'm sharing five essential money moves to help you take control of your finances in 2025. These simple yet powerful strategies will give you a clearer picture of how money flows in and out of your bank account, allowing you to budget with real numbers. Prioritizing these money moves can make a huge difference in reaching your financial goals. I'll walk you through the techniques I use with my clients so you can maximize your income, save more efficiently, and set yourself up for success in 2025. Whether you're trying to get your finances in better shape or simply want to be more intentional about where your money goes, this episode is for you. These tips are relevant regardless of where you are in your financial journey! Let's make sure this year is the one where your money truly starts working for you. Tune in to learn the five money moves you need to make in 2025… [00:36] Check your pay stub [06:11] Increase retirement contributions [11:03] Open a high-yield savings account [13:45] Check your tax withholdings [15:54] Negotiate and price shop key expenses Tune into this episode of Money Files to learn 5 money moves that will help you regain control of your finances in 2025. Get full show notes and the episode transcript: https://wealthovernow.com/5-new-year-money-moves-to-take-control-of-your-finances-in-2025/ Links mentioned in this episode… Set up a call | Financial Coach Washington, DC | Wealth Over Now Download my FREE spending plan
In this episode, I explore how different spending styles affect our lives and finances. If you've been listening to my podcast, you know I've been exploring the concept of "fake math"—the way we make estimates instead of using real numbers to create our budgets. Today, I explain the characteristics of four common spending profiles and how to identify which category you fit into as a spender. Then, I outline how your spending behaviors contribute to fake math in your budget and give practical advice to shift your mindset so you can better align your spending with your financial goals. Regardless of which profile you identify with, it's important to reflect on how you manage your money. As we move into the New Year, I encourage you to be intentional about how you spend your money, think about planning for the future, and eliminate fake math in your budget. Tune in to learn which of the four spending profiles you identify with and how to avoid fake math in your budget ... [01:51] Profile #1: Feast and Famine Spender [06:04] Profile #2: Treat Yourself Spender (YOLO) [09:40] Profile #3: Frugal Hoarder [13:06] Profile #4: Millionaire in the Making [16:30] Questions to help reshape your spending Tune into this episode of Money Files to learn the four common spending profiles and how your spending style causes "fake math" to show up in your budget. Get full show notes and the episode transcript: https://wealthovernow.com/ditch-the-fake-math-how-your-spending-habits-impact-your-budget/ Links mentioned in this episode… Set up a call | Financial Coach Washington, DC | Wealth Over Now Download my FREE spending plan
In this episode, I explore the power of building micro habits with your finances. Big financial goals like paying off debt, saving for a down payment on a house, or even setting aside $10,000 can feel overwhelming and out of reach when your goal seems so far away. The key to sustainable progress is building micro habits—small, intentional actions that will get you closer to your goal and generate sustainable results. I share personal examples, like my 5 AM gym routine and strategies for controlling impulsive spending, so you can see the significant impact a micro habit can make on your life. I also walk you through some money habits I encourage my clients to adopt, such as the 24-hour rule, pre-planning your spending, and using a disposable income account. If you're ready to take control of your finances in the new year, this episode is for you! Learn how to set financial boundaries and set yourself up for long-term success by building micro-money habits in 2025. Tune in for examples of micro money habits you can start building in 2025. Listen out for key moments in the episode... [00:25] How my fitness journey inspired this episode [03:20] Why you should build micro money habits in 2025 [07:50] Micro habit examples to curb impulse and urge spending [18:17] Impact of building micro money habits on your financial goals Tune into this episode of Money Files to learn how to start building micro money habits and how these habits can lead to sustainable success in reaching your financial goals. Get full show notes and the episode transcript: https://wealthovernow.com/the-power-of-micro-habits-for-financial-success/ Links mentioned in this episode… Set up a call | Financial Coach Washington, DC | Wealth Over Now Download my FREE spending plan
The New Year often feels like a fresh start, and if one of your goals for 2025 is to take control of your finances, now is the ideal time to reassess your budget. In this episode, I explain why I make it a point to revisit my budget at the end of each year. I share the key questions I ask myself to ensure my spending aligns with my priorities. Whether you're looking to be more prepared for holiday shopping, save for travel, or simply reassess where your money is going, I invite you to join me in doing a budget reset. This exercise will help you avoid last-minute financial stress, regain control of your money, and ensure you're spending on the things that truly matter to you. Follow along as I guide you through my simple framework for redoing your budget. Listen for these key tips... [00:55] Why I scrap my budget at the end of the year [04:55] Questions to ask yourself when redoing your budget [25:00] Reflecting on your budget: why this exercise is important Tune into this episode of Money Files to learn how to redo your budget and set yourself up for financial success in the New Year. Get full show notes and the episode transcript: https://wealthovernow.com/budget-reset-for-2025-aligning-your-money-with-your-priorities/ Links mentioned in this episode… Set up a call | Financial Coach Washington, DC | Wealth Over Now Download my FREE spending plan
Are you worried about falling back into bad financial habits? Once you start making progress in your financial goals, it is normal for self-doubt or fear to creep in and stop you from making good choices with your money. In today's episode, I share a concept I use with my clients to help them navigate unexpected challenges during their financial journeys. The financial self-care plan is a tool to fall back on when things go off track. It's not about perfection but knowing how to bounce back when you make a mistake or face financial stress. The goal of this exercise is to build financial resilience and trust in yourself so you can overcome hurdles that get in the way of your goals. Listen to learn my framework for building a financial self-care plan, and check out for these key moments... [03:20] When you need a financial self-care plan [05:25] Framework for building a financial self-care plan [06:30] Identifying triggers [08:05] Working through worst case scenarios [12:55] Celebrating wins [14:10] Establishing a support person Tune into this episode of Money Files to discover the benefits of implementing a financial self-care plan and how to create one. Get full show notes and the episode transcript: https://wealthovernow.com/what-is-a-financial-self-care-plan-and-why-you-need-one/ Links mentioned in this episode… Set up a call | Financial Coach Washington, DC | Wealth Over Now Download my FREE spending plan
In this episode, I'm challenging you to track your finances for one week. I know the idea of jotting down every expense might feel overwhelming or even intimidating, but this exercise isn't about judgment or shame—it's about creating a budget that aligns with your lifestyle and financial goals. I'll walk you through a simple five-day exercise to help you become more aware of your spending habits. By tracking your daily expenses, you'll get a clear picture of where your money is going, whether it's online shopping sprees or forgotten auto payments. You might be surprised by what you find, and that's totally okay! Building financial awareness is a key step toward stress-free spending, and this one-week challenge is here to help you understand your numbers better. Are you ready to start my five-day finance challenge? Learn how understanding spending habits is essential to hit your financial goals… [0:30] Benefits of tracking your expenses [03:30] How to do the 5-day challenge [11:58] What to do after you complete the exercise Tune into this episode of Money Files to join my five-day finance challenge and get a deeper understanding of your spending. Get full show notes and the episode transcript: https://wealthovernow.com/financial-coach-finance-challenge-money-challenge-spending-tracker-budgeting-personal-finances-financial-goals-expenses-tracker-daily-expenses/ Links mentioned in this episode… Set up a call | Financial Coach Washington, DC | Wealth Over Now Download my FREE spending plan Resource | Free Five-Day Financial Habit Tracker
As 2024 comes to a close, you might be reflecting on your financial goals and the progress you've made. Many people view progress as a linear checklist of milestones to hit, but regaining control over your finances is far from straightforward. Focusing only on the end goal is discouraging, and that creates a mindset that is unsustainable for lasting change, especially when it comes to how you think and feel about money. In this episode, I encourage you to reframe how you view your financial journey and the progress you've achieved this year. I'll discuss why the linear approach to progress can be limiting and introduce you to my lily-pad progress method, which leads to more sustainable success. Often, it's easy to overlook the small steps and skills you've gained, but those incremental behavioral shifts are fundamental to generating lasting change. Take a moment to consider what you can do now that you couldn't do just a week, month, or quarter ago. Celebrate your wins and recognize how far you've come on your financial journey. Listen in to learn more about the lily pad progress approach and hear about these key topics… [01:36] Pitfalls of using a linear approach to tracking progress [06:52] Benefits of using the lily-padding progress method [12:30] The importance of celebrating wins and acknowledging growth Tune into this episode of Money Files to learn how to reframe how you think about the progress you've made toward reaching your financial goals. Get full show notes and the episode transcript: https://wealthovernow.com/the-lily-pad-progress-method-reframing-your-financial-progress/ Links mentioned in this episode… Set up a call | Financial Coach Washington, DC | Wealth Over Now Download my FREE spending plan
In today's episode, I'm joining my client, Dielle Charon, on her podcast, The WOC Sales Show, for a candid conversation about transforming your relationship with money and business. Dielle is a coach specializing in sales, business, and money mindset. Together, we explore the common struggles many of our clients and listeners face—such as overcoming shame, building awareness, and breaking old financial habits. We created a powerful 5-step framework designed to shift behavior and mindset. Listen as we walk you through each step of the framework for changing a behavior, by sharing real-life business and money examples from our own experiences and client stories. From clarifying your goals to releasing shame and tracking your progress, we cover the practical tools and strategies you need to improve your mindset, business, and finances. Change may be challenging, but with these actionable steps, you can confidently ditch those bad habits or behaviors that aren't serving you and set yourself up for lasting success. Tune in for a thought-provoking and motivating discussion! Learn more about the five stages of changing a behavior… [03:09] Acknowledging that change is hard [07:00] Overview of the framework for changing a behavior [09:00] Stage 1: You aren't aware of the behavior [16:02] Stage 2: You are aware, but still do it [22:22] Stage 3: You are aware and starting to slow down the behavior [34:10] Stage 4: You no longer do it, but still dream of doing it [45:54] Stage 5: You no longer have the desire to do it Tune into this episode of Money Files for a candid conversation about the difficulties of change and learn a new five-step framework to shift behavior. Get full show notes and the episode transcript: https://wealthovernow.com/five-stages-of-change-with-dielle-charon/ Links mentioned in this episode… Set up a call | Financial Coach Washington, DC | Wealth Over Now Download my FREE spending plan
Is financial entitlement sneaking into your life? When your income increases, it's easy to start feeling like you "deserve" certain luxuries—like trips, shopping sprees, or hiring help—without fully considering how those choices impact your finances. In today's episode, I explore how financial entitlement manifests, often in the form of thinking about what you "should" be able to do with your money rather than focusing on how it's actually being spent. I dive into how this mindset can create competing priorities that derail your long-term money goals and leave you feeling overwhelmed or ashamed about your finances. Using real-life client examples, I share actionable strategies to overcome financial entitlement, regain control of your spending, and craft a budget that supports the life you truly want to build. Tune in to learn how to align your spending with your financial goals and avoid the pitfalls of entitlement. Learn more about financial entitlement and how to shift your mindset to regain control of your finances… [02:52] Signs financial entitlement are creeping into your life [06:40] Balancing your desires with your financial vision [10:25] Why your income level doesn't matter when it comes to financial entitlement [20:30] Steps to overcome financial entitlement [20:45] Writing out goals [21:37] Changing self talk [25:18] Celebrating wins Tune into this episode of Money Files for a fresh perspective on financial entitlement and how this mindset negatively impacts how you manage your money. Get full show notes and the episode transcript: https://wealthovernow.com/when-desires-overwhelm-your-budget-navigating-the-pitfalls-of-financial-entitlement/ Links mentioned in this episode… Set up a call | Financial Coach Washington, DC | Wealth Over Now Download my FREE spending plan
In today's episode, I welcome my client, Denva, to the podcast. When Denva first came to work with me almost two years ago, she was dealing with credit card debt, starting a new job, and caring for her terminally ill mother. She struggled with feelings of shame and insecurity about her finances, especially around debt, but through our coaching work together, she's completely redefined her relationship with money. Join us for a financial check-in as Denva walks us through the incredible progress she's made—like paying off credit cards, overcoming emotional spending habits, and shifting her mindset around debt. Her story is a powerful reminder of the impact that mindset shifts and intentional financial management can have on your life. If you aren't sure if financial coaching is right for you, don't miss this episode! Denva shares insights about what it is like to work with me and her top takeaways from her coaching experience. Learn about Denva's financial journey as we chat about these key topics… [01:08] What made Denva decide to hire a financial coach [09:04] The most notable shifts and changes Denva has experienced since coaching [12:25] The role of self-discovery in building financial confidence [15:37] How Denva's mindset about debt has evolved [20:30] Intentional spending vs. fear purchases Tune into this episode of Money Files to hear about Denva's experience with financial coaching and progress and success she continues to create for herself. Get full show notes and the episode transcript: https://wealthovernow.com/how-coaching-helped-denva-redefine-her-relationship-with-debt/ Links mentioned in this episode… Set up a call | Financial Coach Washington, DC | Wealth Over Now Download my FREE spending plan
In the past few weeks, I've focused on the importance of debt awareness and how becoming a saver can help break the cycle of debt. Today, I'm excited to share the next step in your financial journey: choosing a debt payoff strategy. In this episode, I share personal stories and client successes, highlighting how understanding your specific types of debt—like credit cards, student loans, or auto loans—can greatly impact your repayment approach. I'll walk you through the most common debt payoff options, providing examples to help you find a strategy that aligns with your financial goals. I also stress the importance of managing cash flow and how reducing high monthly payments can create more financial freedom. I encourage you to look into ways to earn extra income through side gigs or monetizing your skills to speed up your debt repayment. With the right mindset and strategies, I genuinely believe anyone can overcome debt. Remember, you have the skills to succeed on your financial journey. Tune in for actionable insights and inspiration to take control of your debt! Explore debt payoff strategies and leverage these financial tools to help get out and stay out of debt… [02:36] How different types of debt influence payoff strategies [03:55] Identifying cash flow opportunities [07:28] Comparing debt avalanche versus debt snowball [13:25] When to use a balance transfer [15:50] Always focus on making more money Tune into this episode of Money Files to discover which debt payoff strategy is right for you. Get full show notes and the episode transcript: https://wealthovernow.com/navigating-debt-payoff-insights-and-strategies/ Links mentioned in this episode… Set up a call | Financial Coach Washington, DC | Wealth Over Now Download my FREE spending plan
No matter which holiday you celebrate, the season comes with many expenses and obligations and holiday spending can lead to debt if you don't plan ahead. In this episode, I'm sharing strategies to help you have a debt-free holiday season. I guide you through exercises to identify what you truly value about the holidays and how to incorporate those values into your budget. I also emphasize the importance of making a detailed gift list and setting realistic budgets so you avoid overspending. Additionally, I explore alternatives to traditional gifts, such as experiences and travel. Whether you're feeling the pressure of holiday obligations or concerned about overspending, this episode provides practical tips to help you enjoy the season without financial stress. Tune in for insights on celebrating a debt-free holiday! Try these strategies to plan for the holiday so you can have a debt-free holiday season… [02:26] Put the holidays in your budget [05:12] Write down what you value about the holiday season [08:33] Decide how to express yourself this season [12:44] Make a detailed gift giving list [17:05] Change the gift giving narrative [22:15] Make an event list Tune into this episode of Money Files to start planning for a debt-free holiday. Get full show notes and the episode transcript: https://wealthovernow.com/mastering-holiday-spending-how-to-plan-ahead-and-enjoy-a-debt-free-holiday/ Links mentioned in this episode… Set up a call | Financial Coach Washington, DC | Wealth Over Now Download my FREE spending plan
We don't talk about it often but one fear you might face as a W2 employee is a layoff. In a matter of moments, you can go from feeling secure to financial insecurity. In this episode, I discuss how to navigate a layoff and offer valuable tips on managing a severance package effectively. I start with a practical exercise to help you determine your "minimum viable number" through a budget analysis. I also recommend applying for unemployment benefits or assistance to make your severance last longer. Additionally, I explain how to structure your withdrawals like a regular paycheck and why understanding your finances empowers you to negotiate future job offers effectively. Whether you're worried about being laid off or know someone who is, this episode is for you! Tune in for advice on making the most out of your severance package. Learn how to manage your severance package after a layoff and listen for these key insights… [01:25] Why debt should not be your number one concern [04:39] Calculating your minimum viable number to live off of [07:18] Leveraging your severance to continue the paycheck cycle Tune into this episode of Money Files to learn how to make the most out of your severance package. Get full show notes and the episode transcript: https://wealthovernow.com/unpacking-your-severance-how-to-manage-money-during-a-layoff/ Links mentioned in this episode… Set up a call | Financial Coach Washington, DC | Wealth Over Now Download my FREE spending plan
Many of my clients try paying off debt in lump sums and then get frustrated when they find themselves in four or five figure debt again. As a financial coach, my goal is to help you build sustainable financial habits to help you disrupt the debt cycle. One of my clients recently paid off over $30,000 in debt, and I use her story and others to walk you through my six-step framework for paying off debt sustainably. If you've ever tried to pay off debt before but found yourself frustrated or even in more debt you'll want to listen to this episode. While listening you'll gain key takeaways to help become a saver, the secret to paying off debt. In this episode, I explain why learning how to become a saver will help you pay off debt in these six steps… [04:23] Operational Framework: Why you should become a saver before paying off debt [05:52] Step #1 Uncover why you are in debt [06:14] Step #2 Budget for minimum debt payments [08:04] Step #3 Start setting up sinking funds [11:22] Step #4 Run your plan for 90 days [17:09] Step #5 & 6 Evaluate and Accelerate Tune into this episode of Money Files to understand why saving money is the secret to paying off debt and breaking the debt cycle. Get full show notes and the episode transcript: https://wealthovernow.com/why-becoming-a-saver-is-the-secret-to-paying-off-debt/ Links mentioned in this episode… Set up a call | Financial Coach Washington, DC | Wealth Over Now Download my FREE spending plan
How often do you buy something simply because it's on sale? As we approach the holiday shopping season, I challenge you to reflect on how sales influence your purchasing decisions. Don't get caught up in consumer marketing tactics because chasing deals is making you broke! In today's discussion, I emphasize the importance of reserving your shopping for items on your shopping list. I challenge you to follow your favorite brand or store and you'll discover, there is always a sale! Learning to bypass isn't about limiting yourself; it's about reshaping your spending habits so you can be more intentional with your money and spend on things you value. Join me in this episode for practical tips on recognizing your buying patterns when tempted by a sale or coupon. I'll share advice on resisting the urge to buy something just because it's discounted and highlight the significance of making a shopping list to ensure you're spending on what you truly want rather than falling into the trap of impulse buys.. Learn how to recognize your buying behavior during sales season and make changes toward intentional spending habits… [02:10] Think about your buying behavior when there are sales [05:07] What was the last thing you bought on sale? [08:11] Was it a good buy? [11:22] Reserve sales seasons for things that are actually on your list [13:53] Plan out your spending Tune into this episode of Money Files to understand your response to sales and how to reshape your spending habits to be more intentional with your money. Get full show notes and the episode transcript: https://wealthovernow.com/dont-be-a-sales-side-chick-how-to-sales-proof-your-finances/ Links mentioned in this episode… Set up a call | Financial Coach Washington, DC | Wealth Over Now Download my FREE spending plan
As we approach the end of the year, it is time to start thinking about your relationship with debt. If you've paid off debt only to fall back into it, feel ashamed about your financial situation, or are ready to break free from the debt cycle, this episode is for you. Today, I'm focusing on building personal debt awareness. This episode isn't about creating a debt payoff plan or managing your finances; it's about uncovering your unique debt story to understand how and why you're in debt. I'll guide you through a three-step framework that begins by challenging common beliefs about debt and exposing ways we justify accumulating debt. Then, I'll provide a series of questions to help you explore your feelings about debt and ultimately make peace with it. Your financial journey is about understanding your relationship with money. So take a moment to reflect on your debt, embrace your story, and learn how debt awareness leads to a healthier financial future. Learn how to build personal debt awareness by following these steps… [01:15] Justifying debt: common beliefs that keep you in a debt cycle [03:12] Understanding your debt story [06:30] Recognizing how you feel when your debt increases [08:06] Making peace with your step Tune into this episode of Money Files to understand your relationship with debt and how awareness can help get you out of a debt cycle. Get full show notes and the episode transcript: https://wealthovernow.com/understanding-debt-how-awareness-breaks-the-debt-cycle/ Links mentioned in this episode… Set up a call | Financial Coach Washington, DC | Wealth Over Now Download my FREE spending plan
My five-month coaching container isn't about achieving perfection. Some clients treat financial growth like a checklist, trying to rush through it. However, if you approach your relationship with money with the intention to get it done as quickly as possible, you're missing out on developing lasting money habits that will serve you in the long run. In today's episode, I dive into the concept of a money pause. A money pause is an opportunity to ask yourself why you are making a financial decision. Every choice has both intended and unintended consequences. When you're overwhelmed by fear and anxiety about money, you act impulsively and don't consider the broader financial impact of a quick purchase on Amazon or using your entire bonus to pay off credit card debt. As a financial coach, my goal is to help you shift your habits. By pausing to think about why you are making a decision, you can regain control of your finances and achieve goals faster. Ready to start making intentional decisions about your finances? Tune in to learn how to implement a money pause the next time you feel pressured to make a financial decision. I explain what a money pause is and how to use one effectively, hitting on these key topics… [05:50] Power of a money pause: paying the wrong credit card [10:18] Intended vs. unintended consequences of financial decisions [14:23] Disrupting the “I'll figure it out” mentality [20:02] Power of a money pause: leveraging bonuses effectively Tune into this episode of Money Files to learn the power of a money pause and how to navigate financial decisions intentionally. Get full show notes and the episode transcript: https://wealthovernow.com/stop-think-spend-implementing-a-money-pause-for-better-financial-decisions/ Links mentioned in this episode… Set up a call | Financial Coach Washington, DC | Wealth Over Now Download my FREE spending plan
It is okay to value spending money differently than the way your friends value spending money. Sometimes, we are so focused on keeping up appearances or worried about missing out that we allow our friends to pressure us into spending money on things we don't really care about. In today's episode, I share four effective strategies for setting financial boundaries with your friends. From initiating conversations about your money goals to suggesting alternative, budget-friendly activities, I'll cover how to keep your relationships strong without compromising your money goals. You don't have to match your friends' spending habits or feel pressured to say “yes” to every event. True friends will respect your financial boundaries. Don't be afraid to be proactive and clear about your current and future goals. By setting these boundaries, you protect your finances and set a positive example for your friends. Learn 4 ways to set financial boundaries with your friends including… [02:46] Practicing sharing financial goals with your friends [06:28] Being the friend that makes the plans [08:14] Being the friend that suggests something new [10:57] Getting comfortable saying no Tune into this episode of Money Files to learn 4 strategies to set financial boundaries with your friends so you can maintain meaningful relationships without sacrificing your money goals. Get full show notes and the episode transcript: https://wealthovernow.com/balancing-friendship-and-finances-4-ways-to-set-financial-boundaries-with-your-friends/ Links mentioned in this episode… Set up a call | Financial Coach Washington, DC | Wealth Over Now Download my FREE spending plan
Social media makes it too easy to compare ourselves to others, leading many to spend beyond their means and pile up debt. As a financial coach, my mission is to help you intentionally spend money in ways that align with your future goals. Today's episode is all about living a fake rich lifestyle and what you can do to stop overspending and start taking control of your finances. Living a fake-rich lifestyle causes financial hangovers—that feeling of dread, guilt, and shame that keeps you up at night wondering how you're ever going to pay off your credit card. I share what traps six-figure earners in a fake-rich lifestyle and offer tips to help you align your spending, budget, and financial goals. Budgeting isn't about restriction; it's about making intentional choices that won't leave you feeling shame or guilt every time you make a purchase. Tune in to learn how to stop living a fake rich lifestyle and start leveraging financial tools that support your immediate desires and long-term goals. Listen for key points in the discussion about living a fake rich lifestyle… [02:04] Defining a fake rich lifestyle [03:45] Examples of how a fake rich lifestyle leads to financial hangovers [07:08] The pitfalls of letting your offer letter dictate your spending [10:42] The importance of reflecting where you are versus where you want to be financially [14:36] Learn how to spend now while also securing your financial future [14:45] Forgiveness & gratitude [18:20] Writing down all your expenses in one place Tune into this episode of Money Files to learn the pitfalls of living a fake rich lifestyle and how to regain control of your finances so you can spend money drama-free. Get full show notes and the episode transcript: https://wealthovernow.com/stop-living-a-fake-rich-lifestyle-practical-tips-for-managing-your-money-intentionally/ Links mentioned in this episode… Set up a call | Financial Coach Washington, DC | Wealth Over Now Download my FREE spending plan
Regaining control of your finances isn't just about hitting your goals—it's also about who you're becoming throughout the journey as you build a new financial identity. In today's episode, I emphasize the value of non-budget victories. These achievements go beyond major financial milestones like paying off debt or growing your savings. Non-budget victories can include anything from developing better financial habits to having impactful money conversations. I share an overview of non-budget victories so you can start celebrating financial wins. Then, I'll share examples of my clients' non-budget victories and explain how these wins are crucial building blocks for long-term success. Finally, we'll explore how celebrating these non-budget victories helps reframe your progress and encourages a growth mindset. Join in as I discuss non-budget victories… [01:34] Why our brains focus on what's not working [04:40] Why It's okay to not reach your goal right away [06:25] The impact of celebrating non-budget victories [14:53] Why it's important to celebrate every win Tune into this episode of Money Files to learn how non-budget wins are the building blocks to financial success. Get full show notes and the episode transcript: https://wealthovernow.com/why-non-budget-victories-are-the-building-blocks-to-paying-off-debt-and-saving-money/ Links mentioned in this episode… Set up a call | Financial Coach Washington, DC | Wealth Over Now Download my FREE spending plan
Today, I'm thrilled to welcome back a familiar guest to the podcast—Lynae! We first worked together in 2020, and she's been crushing her financial goals ever since. This is Lynae's third appearance on the show, and I'm excited to have her back so you can gain insights to the full impact of financial coaching from a long-term perspective. In this episode, Lynae and I explore the lasting effects of financial coaching. It's been four years since Lynae reached out for coaching, and today she shares how her mindset about money has evolved, including what life is like after paying off credit card debt and building an emergency fund. We also explore the power of a growth mindset. Lynae discusses how this shift has empowered her to negotiate with her employer, invest in real estate, and continue growing her own business. Throughout our conversation, she highlights how she continues to apply the strategies and tools she gained from coaching to plan for her future. Tune in to hear Lynae's inspiring journey and discover how the legacy of financial coaching can transform life. Don't miss out on this insightful discussion. In this episode you'll hear… [02:15] How Lynae's thoughts about money have changed since 2020 [04:30] What her life looks like after hitting her initial financial goals [10:00] Her confidence to negotiate with her employer [16:22} Her journey to purchasing her first commercial real estate investment [24:14] The impact of a growth mindset and leveraging an effective budget [35:22] Lynae's future goals Tune into this episode of Money Files to hear how the long-term impacts of financial coaching continue to help Lynae achieve her financial goals. Get full show notes and the episode transcript: https://wealthovernow.com/the-legacy-of-financial-coaching-how-coaching-helped-lynae-invest-in-real-estate/ Links mentioned in this episode… Set up a call | Financial Coach Washington, DC | Wealth Over Now Download my FREE spending plan
2025 is only four months away! Don't wait to start planning for next year's financial goals. In today's episode, I share three ways to prepare for Q4. From budgeting for the holidays to planning for open enrollment and thinking about Fall activities, I encourage you to start planning ahead for Q4. The end of the year can feel like one of the most expensive times of the year but taking 30 minutes to adjust your financial plan can leave you feeling prepared. Taking the time to plan ahead will help you adjust your budget categories, shift your spending habits, and save money for things that are coming 30, 60, or even 90 days from now. Tune in to learn three financial tips to prepare for Q4: [01:15] Planning for holiday expenses [06:55] Thinking about open enrollment [11:57] Pre-holiday events & fall expenses [13:25] Reflecting on the year and making adjustments Tune into this episode of Money Files to learn three ways to prepare for Q4 and stay on track to hit your 2024 money goals. Get full show notes and the episode transcript: https://wealthovernow.com/financial-preparedness-three-ways-to-plan-for-q4-expenses/ Links mentioned in this episode… Set up a call | Financial Coach Washington, DC | Wealth Over Now Download my FREE spending plan
What are you going to do with your next bonus? If your answer is to pay down debt, this episode is for you! Today, I discuss why you shouldn't use your bonus to pay off debt. Instead, use that extra income in a more meaningful way that will help you stop needing to utilize debt to cover unexpected (or YOLO) expenses. Using your bonus to clear debt might give you temporary relief, but you need to understand why you are in debt to avoid being right back in debt by the end of the year. Paying down your debt should be a part of a strategic plan that is not promoted by a large bonus. I coach my clients to use their bonuses to build a safety fund. Safety funds help you prepare for future expenses so you're not left swiping your credit card. Tune into hear why you shouldn't use your next bonus to pay down debt and learn what to do with it instead: [01:40] How paying off debt leaves you vulnerable [03:18] Observing spending habits [06:19] Debt pay off plan [07:09] Build your safety fund [10:00] Setting timelines for debt payoff Tune into this episode of Money Files to learn why you should use your next bonus to build a safety fund. Get full show notes and the episode transcript: https://wealthovernow.com/personal-finances-saving-financial-coach-money-coach-bonuses-extra-income-debt-payoff-budget-spending-plan-safety-fund/ Links mentioned in this episode… Set up a call | Financial Coach Washington, DC | Wealth Over Now Download my FREE spending plan
In today's episode, my client, Krissy, joins the podcast. Our conversation recaps Krissy's journey working with me. Krissy shares why she decided to book a consultation with me and how working with a financial coach has changed the way she thinks about and manages her finances. She also shares the unique challenges of managing finances as a mom and how her new identity as a saver has shifted her spending. We cover everything from personal allowances to aligning your budget with priorities. If you are on the fence about working with a financial coach, this episode is for you! Learn about what it is really like to work with me and get inspired by the positive changes Krissy has made with managing her finances. Listen to Krissy's journey and learnings from working with me as her financial coach: [01:12] Why Krissy decided to work with Keina [10:33] Identifying as a saver [14:28] Managing finances as a mom [28:20] Importance of revisiting priorities [32:34] Recalibrating spending [36:53] Krissy's monthly allowance [44:00] Was coaching worth it? Tune into this episode of Money Files to hear how money coaching with Keina changed the way a career-driven mom manages and thinks about her finances. Get full show notes and the episode transcript: https://wealthovernow.com/how-saving-money-helped-krissy-spend-on-things-that-mattered/ Links mentioned in this episode… Set up a call | Financial Coach Washington, DC | Wealth Over Now Download my FREE spending plan
Why was it easier to budget when you made less money? When you were barely making enough to get by, you were really good at budget - but you also created an invisible scarcity mindset around your finances. Food, water, and shelter were the most important things to you. Once you start earning more, that feeling of scarcity doesn't just go away. Everyone has deep-seated emotions about money, and for many, spending fills a void and so the budgeting conversation has to shift when you go from making $30,000 to $100,000 to $200,000. In today's episode, I discuss the complexities of high-income budgeting. From understanding different types of spending needs to learning what to do with extra money after the bills are paid, I encourage you to take a different approach to managing your finances so you can let go of the scarcity mentality and shame, and start aligning your budget with your goals and have more money for what you want. Tune in now to explore why it is more challenging to budget as you make more money and learn: [01:30] Why budgeting was easier when you made less money. [04:42] Why more money = more comfort [07:36] Basic needs vs. emotional needs [11:54] What to do with “extra” money [16:30] Why your goals should anchor your budget Tune into this episode of Money Files to learn why it is more challenging to budget when you make more money and how to overcome a scarcity mindset. Get full show notes and the episode transcript: https://wealthovernow.com/why-was-budgeting-easier-when-you-made-less-money/ Links mentioned in this episode… Set up a call | Financial Coach Washington, DC | Wealth Over Now Download my FREE spending plan
I can guarantee you have money going out of your account right now that you don't know about. As a financial coach, I want you to spend money intentionally. Regaining control of your finances starts with matching your expenses to your values and goals. This not only helps you manage your money better but also opens up opportunities to increase savings, pay down debt faster, and spend money drama free. In today's episode, I share a money exercise I do with all of my clients: the cost-saving audit. An annual cost-saving audit ensures you are spending money in ways that feel intentional and align with your goals. I explain the importance of auditing negotiable bills and subscriptions so you can repurpose money to spend on things you love. From checking your cell phone plan and car insurance coverage to managing TV subscriptions, I explain how to conduct a cost-savings audit to optimize your budget. Learn where to audit your budget: [02:15] Auditing negotiable expenses [05:50] Auditing subscriptions Tune into this episode of Money Files to learn how to conduct a cost saving audit. Get full show notes and the episode transcript: https://wealthovernow.com/aligning-expenses-with-values-how-to-conduct-a-cost-saving-audit/ Links mentioned in this episode… Set up a call | Financial Coach Washington, DC | Wealth Over Now Download my FREE spending plan
As a financial coach, my goal is to create sustainability in your financial journey. Sometimes that means doing things differently. Traditional financial advice says to save $1,000 and put everything else towards paying down debt. But paying off debt can be tiresome and demotivating. In today's episode, I offer a more sustainable practice for paying down debt: a debt spending break. A debt spending break fights payoff fatigue by allowing you to use some of the cash flow allocated for faster debt payoff on something you really want. This break remotivates you to continue your debt payoff plan without adding to your debt. Achieving your goals is all about being intentional and forming sustainable habits. Learn the benefits of instituting a debt spending break, when to schedule one, and the long-term impact of consistency in managing your finances. Listen for key insights on debt spending breaks: [02:50] Aligning financial advice with how you want to live your life [06:00] Instituting a debt spending break [08:10] When to implement it [12:31] Intentionality & goal achievement Tune into this episode of Money Files to learn how a debt spending break leads towards more sustainable financial habits. Get full show notes and the episode transcript: https://wealthovernow.com/are-you-tired-of-paying-down-debt-how-to-implement-a-debt-spending-break/ Links mentioned in this episode… Set up a call | Financial Coach Washington, DC | Wealth Over Now Download my FREE spending plan
In today's episode, I welcome Dana to the podcast. Dana and her husband Dan became clients in 2022 while struggling to find the middle ground between conflicting money mindsets. They were busy with career shifts, preparing to buy a home, and figuring out life as a couple. Instead of letting money become a fight, they hired a coach. Dana and Dan had the same financial goals but didn't agree on the path to get there. Listen as we discuss how coaching addressed both of their money management styles and ultimately brought more transparency and clarity to the way they handle their finances. Dana also shares what her experience was like working with me and the long-lasting changes having a money coach made in her finances and marriage. Tune in as Dana and I discuss money coaching for couples including: [02:07] Why Dana reached out for coaching [09:23] The power of bank account transparency [14:26] Dana and Dan's notable wins [29:48] The overall shifts in how they manage finances Tune into this episode of Money Files to hear a discussion with my client, Dana, about how money coaching changed how she and her husband handle their finances. Get full show notes and the episode transcript: https://wealthovernow.com/how-to-get-on-the-same-financial-page-with-your-partner-client-conversation-with-dana-johnson/ Links mentioned in this episode… Set up a call | Financial Coach Washington, DC | Wealth Over Now Download my FREE spending plan
As a financial coach, I aim to help clients transform how they think and feel about money. Sustainable change starts with taking the next best step in your financial journey. In today's episode, I discuss the importance of meeting yourself where you are with your finances. Your next best step is whatever will get you closer to a win. Every money move doesn't have to be motivated by a huge financial goal like paying off all your debt. You must take the smaller but next-best step to get to those major wins. If you're in a space where you're not sure where to go next financially, because you feel like you're so far off from your goal this episode is for you. On this episode you'll learn more about: [02:50] Celebrating what is happening now [04:18] Client example: taking the next best step [15:55] Pitfalls of an all-or-nothing mentality Tune into this episode of Money Files to learn how to figure the next best step in your finances. Get full show notes and the episode transcript: https://wealthovernow.com/sustainable-change-take-the-next-best-step-to-change-how-you-think-and-feel-about-money/ Links mentioned in this episode… Set up a call | Financial Coach Washington, DC | Wealth Over Now Download my FREE spending plan
We are halfway through 2024, and it's time to reflect on the financial goals and intentions you set in January. Whether you are crushing your money goals or need a financial reset, getting crystal clear on your numbers is essential. It is never too late to regain control of your finances! Between school breaks, vacations, and beautiful weather, it is easy to lose track of your finances in the summer. So, let this episode be your sign to pause and evaluate the progress you've made so far this year. In today's episode, I give you questions to jumpstart a mid-year financial reflection, celebrate wins, acknowledge surprise expenses, and create a plan to hit your money goals in 2024. Tune in and follow my framework for a practical six-month financial evaluation. Stay tuned for insights on these topics: [01:39] Breaking financial goals into habits [03:29] Reflecting on progress of 2024 financial goals [06:42] What's going well? [09:20] Surprise expenses [12:09] What do you want to do differently? [13:29] Other money goals to check on Tune into this episode of Money Files to jumpstart a mid-year reflection on your financial goals for 2024. Get full show notes and the episode transcript: https://wealthovernow.com/mid-year-financial-check-in-breaking-money-goals-into-habits/ Links mentioned in this episode… Set up a call | Financial Coach Washington, DC | Wealth Over Now Download my FREE spending plan Atomic Habits: An Easy & Proven Way to Build Good Habits & Break Bad Ones Annualcreditreport.com
Better financial well-being starts with identifying spending patterns. Tracking bills in an app is a start, but those apps aren't showing you a complete picture of your finances. A financial coach can help you find patterns in your finances so you can take a holistic approach to managing money. Financial patterns are day-to-day data of your spending. Your bank account tells a unique story, from simple costs like tolls and Starbucks to significant expenses like bills. As a financial coach, I use this data to create a realistic budget and make spending easier. Financial patterns aren't about restriction. Understanding what you spend money on gives you clarity and control. Learn how to turn your budget into a tool, build financial confidence, and achieve money goals faster by discovering your financial patterns. Stay tuned for insights on these topics: [02:21] Intro to financial patterns [03:27] Aligning your actual spending and your budget [04:10] Client example [10:15] Financial patterns are more than bills [11:58] Identifying simple costs [16:24] Avoiding fake math Tune into this episode of Money Files to learn how financial patterns shape your budget and spending plan. Get full show notes and the episode transcript: https://wealthovernow.com/how-financial-patterns-can-help-shape-your-budget/ Links mentioned in this episode… Set up a call | Financial Coach Washington, DC | Wealth Over Now Download my FREE spending plan
Welcome back to the podcast series about paychecks. Today, I'm diving into the intricacies of managing household finances when you and your partner have different pay schedules. Regardless of when you and your partner get paid, having a solid budget is vital to alleviating financial anxiety. It provides a clear roadmap for managing expenses and savings goals. Learn how I recommend finding consistency in multiple pay cycles and leveraging routine to make smart money decisions. The key to financial harmony is communication and collaboration. So, tune in and take the first step towards aligning your finances with your partner. Stay tuned for insights on these topics: [01:54] Importance of a budget/spending plan [04:04] Find similarities in your pay days [08:55] Money management goal Tune into this episode of Money Files to learn how to manage joint finances when you and your partner on different pay cycles. Get full show notes and the episode transcript: https://wealthovernow.com/aligning-finances-how-to-budget-as-a-couple-with-different-paydays/ Links mentioned in this episode… Set up a call | Financial Coach Washington, DC | Wealth Over Now Download my FREE spending plan
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