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.
If you've ever made a purchase that seemed like a good idea at the time but ended up collecting dust, this episode is for you.In this episode of Money Files, I introduce you to The Pause Method, a simple but powerful five-step tool that helps you stop impulse spending and make intentional, values-aligned decisions with your money.Most of us make purchases in the moment, convinced we're buying something useful, needed, or “on sale.” But when those purchases pile up, they quietly drain our accounts and delay the financial goals that matter most. The Pause Method helps you catch those moments before they happen so you can spend with awareness, not guilt.I walk you through how to perform an ROI Spending Audit to review your past purchases, uncover what brought real joy or value, and identify what was driven by stress, convenience, or emotion. Then, I'll teach you how to apply The Pause Method before every purchase using five key questions that protect your wealth: Purpose, Alignment, Usefulness, Sustainability, and Effect.This is one of the most practical mindset tools I teach in coaching, and once you use it, you'll see how small moments of mindfulness can add up to thousands of dollars saved without sacrificing your joy.Listen in to learn:[01:20] How impulse purchases quietly sabotage your goals[03:45] The one skill that can free up thousands, without earning more[06:10] What a personal ROI Spending Audit reveals about your habits[08:25] The five steps of The Pause Method (P.A.U.S.E.)[10:45] Why aspirational purchases lead to financial clutter[14:30] How to stop using “fake math” to justify small expenses[17:50] The connection between mindfulness and wealth building[21:10] How The Pause Method accelerates your Five Figure ReinventionTune into this episode of Money Files to learn how The Pause Method can help you stop impulse spending, reclaim your wealth, and build financial confidence that lasts.Get full show notes and the episode transcript: https://wealthovernow.com/the-pause-method-how-to-stop-impulse-spending-and-reclaim-your-wealth/Links mentioned in this episode…Set up a call | Financial Coach Washington, DC | Wealth Over NowDownload my FREE spending plan
Five months from now, you won't recognize yourself.Not because of the $10,000. Because of who you became.In this final episode: The month-by-month transformation. What changes beyond your bank account. Real client stories. And the question that changes everything.Who do you want to be 150 days from now?Apply: wealthovernow.com/appointment
"I really DO need to wait for my bonus. That makes sense.""Work really IS crazy right now. It's not a good time.""I really SHOULD feel more ready before I invest."Your brain gives you very convincing evidence that waiting is the right call.But here's what you can't see when you're in it: You've been saying some version of this for months.The circumstances change, but the stalling stays the same.In this episode:The 3 types of stallers (Almost There, I Should Know Better, Too Busy)What stalling protects you from—and what it's costing youWhy you can't see the pattern when you're the one creating itWhy every month you wait is another month you're practicing staying stuckThe shift: Starting scared is still startingYou can't coach yourself out of stalling because you're also the one rationalizing why it makes sense to wait.Episode 4 of the Five-Figure Reinvention mini-series.Limited spots before year-end. Apply: wealthovernow.com/appointment
You think you've already failed.And maybe you're right. Maybe failure means you're still living paycheck to paycheck even though you make six figures. Maybe it means you've started over so many times that "starting over" feels like your personality.But here's what I know: You're not failing. You're standing at your starting line.In this episode, we're talking about acceptance—not the "give up" kind, but the kind that unlocks everything. We're writing the letter you need to write to your past self. And we're learning the compassionate redirect that makes your five-figure reinvention sustainable.You'll learn:Why the patterns that got you here were actually protection (not failure)The letter exercise that creates self-acceptance and releases shameWhy your brain will naturally move the finish line (and what to do about it)The financial milestones that show you your own transformationThe two questions that redirect you when you feel like you're failing: "What have I learned? What has changed?"Episode 3 of the Five-Figure Reinvention mini-series.Apply: wealthovernow.com/appointment
"I know I should look at my account. I know I should have a plan. But I just... can't."If that's you, this episode is for you.The gap between knowing what to do and actually doing it? That's belief work.In this episode, I'm showing you the 5 beliefs that make your five-figure reinvention stick—and the old thoughts that are keeping you stuck right now.We're talking about:Why every financial misstep feels like proof you can't do this (and what to believe instead)The skill you're not building because you think saving is something you either can or can't doWhy high earners avoid budgeting—and what it's actually costing youThe "I'll start when..." trap and why waiting keeps you stuckHow to unlearn the patterns that once kept you safe but don't serve you anymoreEpisode 2 of the Five-Figure Reinvention mini-series.Apply: wealthovernow.com/appointment
How do you save $10,000 in five months without earning more money?Phantom money. Possibility math. And the compound effect of consistency.In this episode, I'm showing high-income earners how to create a five-figure reinvention with the money they already have—no windfall required.Episode 1 of the Five-Figure Reinvention mini-series.Apply to work with me: wealthovernow.com/appointment
The holidays don't have to mean financial chaos.In this episode of Money Files, I'm breaking down The Holiday Money Myth, the belief that you have to choose between joy and financial peace. Every year, we get caught in the same cycle: overspending in November and December, then starting January in regret and survival mode. But it doesn't have to be that way.I'll walk you through how to redefine what generosity, connection, and celebration look like, without defaulting to debt or fake math. You'll learn how to set a realistic holiday spending number, plan for emotional triggers, and create meaningful experiences that don't cost your financial peace.You'll also hear practical steps to help you manage your holiday spending in alignment with your goals, from setting clear boundaries to maintaining your weekly money dates through the season.Listen in to learn:[01:10] Why the Holiday Money Myth keeps you stuck in overspending cycles[03:25] How fear and guilt drive holiday spending habits[05:15] How to define what joy and connection truly mean for you[07:30] Setting your total holiday spending number based on real math[09:50] How to give meaningful gifts without going into debt[12:20] Managing emotional spending triggers during the holidays[14:40] Why maintaining weekly money dates keeps you grounded[15:55] How to enjoy the season without sacrificing your goalsTune into this episode of Money Files to learn how to enjoy the holidays without falling into the trap of overspending. It's time to rewrite your holiday story, with intention, generosity, and financial peace.Get full show notes and the episode transcript: https://wealthovernow.com/how-to-enjoy-the-holidays-without-overspending-or-debt/Links mentioned in this episode…Set up a call | Financial Coach Washington, DC | Wealth Over NowDownload my FREE spending plan
If you've ever told yourself, “I'll start in January,” this episode is for you.The end of the year can feel like the worst time to focus on your finances. Between the holidays, family expenses, and travel, it's easy to push your goals aside and tell yourself you'll start fresh later. But what if that mindset is the reason you're stuck?In this episode of Money Files, I'm introducing what I call The Five Figure Reinvention, your invitation to save or pay off $10,000 before the end of the year. This isn't about restriction or deprivation. It's about becoming the version of you who ends the year calm, confident, and in control.You'll learn how to stop postponing peace, avoid the “I'll start Monday” trap, and create a simple system that helps you follow through. Whether your goal is to save $3,000 or pay off $10,000, this episode will show you how to use the next two months to change how you think, plan, and lead your money.Listen in to learn:[01:05] Why waiting for January keeps you stuck in the same cycle[03:20] The emotional and financial cost of delaying your goals[05:00] Why slow seasons are actually preparation seasons[07:40] The three reasons to start your reinvention in November[09:15] How the $10,000 challenge builds structure and proof[10:40] The difference between restriction and reinvention[12:10] How to build a system that fits your real life, not someone else's[13:30] The mindset shift from “I'll start later” to “I'm already doing it”Tune into this episode of Money Files to learn how to start your Five Figure Reinvention now, build momentum before January, and finally become the person who keeps her word to herself financially.Get full show notes and the episode transcript: https://wealthovernow.com/the-five-figure-reinvention-reinvent-your-finances-before-january/ Links mentioned in this episode…Set up a call | Financial Coach Washington, DC | Wealth Over NowDownload my FREE spending plan
We all have thoughts about money that feel true, but what if they're quietly keeping you stuck?In this episode of Money Files, I introduce the concept of automatic money thoughts, those quick, familiar thoughts that pop up when you think about money and sound perfectly responsible, but actually block your financial progress. Thoughts like “I live a modest life,” “I only spend on necessities,” or “I don't spend on travel” feel safe and logical, but they often hide the truth about how your money is really moving.When you believe those quiet scripts without question, you stop looking at your numbers. You stop planning for things you actually do spend money on. And before you know it, you're back in fake math, wondering why your savings haven't grown or your credit card balance won't go down.In this episode, I'll walk you through how to uncover and disrupt your automatic money thoughts so you can build awareness, tell yourself the truth, and create a financial plan that reflects your real life.Listen in to learn:[01:40] What automatic money thoughts are and where they come from[03:55] Why responsible-sounding money thoughts keep you stuck[06:20] The 3 most common automatic money thoughts people have[09:45] How your thoughts about “modesty” and “necessity” hide real spending[11:10] My personal story of realizing I was in fake math with travel expenses[14:50] Three questions to ask when you catch an automatic money thought[16:45] How to replace judgment with clarity and build a plan that works[18:30] Why awareness, not avoidance is the key to financial freedomTune into this episode of Money Files to learn how to recognize the money stories running in the background and start building a plan that supports the life you actually live.Get full show notes and the episode transcript: https://wealthovernow.com/automatic-money-thoughts-the-sneaky-scripts-keeping-you-in-fake-math/Links mentioned in this episode…Set up a call | Financial Coach Washington, DC | Wealth Over NowDownload my FREE spending plan
Money Files is back with another client check-in!In this episode, I reconnect with my former client Ellie, who first appeared on the show two years ago. Since our time working together, Ellie's net worth has grown by over $100K, she's traveled the world, and she's continued to use the budgeting framework I helped her create.But as Ellie shares, financial growth doesn't mean every month feels perfect. From revisiting credit card debt to navigating lifestyle changes and dating expenses, she opens up about what it looks like to sustain progress even when new challenges appear.Tune in as Ellie and I discuss how financial coaching helped her develop awareness, systems, and confidence, tools that continue to serve her through each new season of life. Together, we explore how to approach money with curiosity instead of shame, identify patterns that need adjustment, and celebrate the long-term wins that make lasting financial transformation possible.Listen in to learn:[01:25] How Ellie's net worth grew by six figures in two years[03:40] The truth about “financial backslides” and how to recover without guilt[07:10] How to handle lifestyle shifts like dating and higher living costs[10:50] Why perfection isn't the goal, but awareness and consistency are[18:35] The power of weekly money dates and how to bring them back[23:45] Building an emergency fund without the overwhelm[30:40] The mindset shift from fear to trust with your finances[44:30] Why financial coaching creates sustainable results years laterTune into this episode of Money Files to hear the real-life impact of financial coaching and how to keep growing your confidence and your bank account, even when things get messy.Get full show notes and the episode transcript: https://wealthovernow.com/how-ellie-grew-her-net-worth-by-100k-and-still-traveled/Links mentioned in this episode…Set up a call | Financial Coach Washington, DC | Wealth Over NowDownload my FREE spending plan
You've heard me talk about The Money Table, The Money Edit, and The Money Rhythm, but today, I'm closing this series with the final piece of my four-part framework: The Money Legacy.The Money Legacy is where true sustainability begins. It's not about budgeting or cutting back, it's about building trust with your money and creating long-term possibilities that reflect your values. This is the phase where my clients go from managing debt and expenses to setting bigger goals, investing in their future, and building a financial legacy that changes what's possible for them and their families.In this episode of Money Files, I share how The Money Legacy helps you move beyond financial survival mode and into a space of grounded confidence. You'll hear how clients like Lynae and Clara used this process to redefine their goals, from paying off debt to building savings, changing careers, and even buying their first home.When you build your Money Legacy, you stop operating from urgency and start living from intention. You make decisions based on what matters most and begin to see yourself as someone who manages money well.Listen in to learn:[01:25] What The Money Legacy is and why it's the key to sustainability[03:40] How to build financial trust and confidence that lasts[05:00] Client story: How Lynae moved from debt payoff to freedom and choice[08:25] Why expanding your goals starts with managing what you already have[10:40] How to plan for your next financial chapter with clarity and confidence[12:10] Why your relationship with money shapes your opportunities[12:45] The truth about shame, perfection, and trusting yourself with moneyTune into this episode of Money Files to learn how to build a Money Legacy that expands your possibilities, strengthens your trust with money, and creates a financial foundation that grows with you.Get full show notes and the episode transcript: https://wealthovernow.com/the-money-legacy-building-trust-and-expanding-possibilities-with-your-finances/ Links mentioned in this episode…Set up a call | Financial Coach Washington, DC | Wealth Over NowDownload my FREE spending plan
If you've ever said, “I just need to be more disciplined with money,” this episode is for you.In this episode of Money Files, I introduce you to The Money Rhythm which is the third step in my coaching framework, following The Money Table and The Money Edit. While the first two steps are about clarity and structure, The Money Rhythm is about sustainability and putting your plan into motion and learning how to trust yourself with money.This is where my clients stop chasing perfection and start finding flow. We look at how their plan actually works in real life: the grocery trips, the forgotten birthday parties, the unexpected car repairs, the promotions, the slow months, and everything in between. The Money Rhythm is about building flexibility into your system so you can respond to life instead of reacting with guilt or shame.Through real client examples, you'll hear how we catch fake math, make realistic budget adjustments, and create systems that help clients make confident, proactive money decisions. This is the stage where coaching truly pays for itself, not just through the dollars saved, but in the peace, control, and confidence you gain.Listen in to learn:[01:15] What The Money Rhythm is and why it matters[03:50] How to build sustainability into your money system[06:45] Why perfection isn't the goal and honesty is[10:10] How to stop fake math and create realistic numbers that work[13:25] Client stories: adjusting for real-life expenses without shame[17:40] Why discipline isn't the answer. What you need is rhythm[19:00] How finding your rhythm builds confidence and trust in yourselfTune into this episode of Money Files to learn how to create a rhythm with your money that helps you sustain financial peace, build consistency, and finally feel in control.Get full show notes and the episode transcript: https://wealthovernow.com/the-money-rhythm-finding-your-flow-for-sustainable-financial-health/ Links mentioned in this episode…160 | Financial Grazing: How Little Habits Can Derail Big GoalsSet up a call | Financial Coach Washington, DC | Wealth Over NowDownload my FREE spending plan
What does it look like to go from feeling financially overwhelmed to fully owning your money story?In this episode of Money Files, I sit down with my client Clara, a hairstylist in Washington, D.C., who transformed the way she managed her finances. Before working together, Clara earned good money but constantly wondered, “Where is it all going?” Like many 1099 earners, her income fluctuated, and without a system, that led to stress, uncertainty, and missed opportunities.Together, we built a framework that gave her structure, clarity, and confidence. Clara learned how to separate her business and personal finances, plan for taxes, and create a simple system that helped her build savings and prepare for slower seasons. With her new mindset and money plan, she stopped stressing about her finances, bought her first home, and even planned an international trip, without panic or guilt.This conversation is about more than numbers; it's about what happens when you finally take ownership of your financial life.Listen in to learn:[02:15] How Clara realized she needed help managing her money[05:00] Why accountability and structure are key to financial success[08:25] How she stopped stressing over inconsistent income[11:40] How she prepared for slow business seasons with confidence[15:20] The mindset shift that helped her buy her first home[18:40] How she learned to fit her lifestyle into her budget instead of restricting it[21:45] Building confidence to earn more and plan for retirementTune into this episode of Money Files to hear how Clara went from overwhelmed to empowered and how financial coaching helped her build a system that supports her goals and her peace of mind.Get full show notes and the episode transcript: https://wealthovernow.com/financial-predictability-how-clara-created-financial-ease-as-a-hairstylist/Links mentioned in this episode…Set up a call | Financial Coach Washington, DC | Wealth Over NowDownload my FREE spending plan
Paying your bills on time isn't the same as being in control of your money.In this episode of Money Files, I walk you through The Money Edit, the second step in my coaching framework that helps clients create 25% more choice with their money without earning more or cutting out everything fun.The Money Edit is where we stop the leaks and clean up financial clutter. Instead of restrictive “no-spend challenges” or quick fixes, this process helps you decide what to keep, revisit, or cancel so your money reflects the life you actually want. From subscriptions you've forgotten to household expenses that no longer serve you, the Money Edit gives you back control and clarity.You'll hear client stories that show how one decision, like changing a cleaning schedule or canceling overlapping subscriptions, freed up thousands of dollars each year to redirect toward savings, debt payoff, and lifestyle goals that matter.Listen in to learn:[02:30] Why no-spend challenges don't fix long-term habits[06:45] How to identify leaks and financial clutter in your budget[11:15] Client story: saving $9,600 a year by shifting one expense[17:20] How canceling overlapping subscriptions saved $380 instantly[22:40] How small edits uncovered over $3,200 in annuals savings in one call [28:15] Why The Money Edit gives you freedom to reallocate, not restrict, your moneyTune into this episode of Money Files to learn how The Money Edit can help you keep more of what you earn and finally create a plan that feels good and works.Get full show notes and the episode transcript: https://wealthovernow.com/the-money-edit-stop-the-leaks-and-create-more-choice-with-your-money/Links mentioned in this episode…Set up a call | Financial Coach Washington, DC | Wealth Over NowDownload my FREE spending planEP. 195 | The Money Table: How to Create a Real Budget (and Stop Fake Math)
Have you ever felt like no matter how much you earn, or how diligently you pay your bills, your money still slips through your fingers?In this episode of Money Files, I introduce you to the Money Table, the first step of my coaching framework that helps clients create 25% more choice with their money without earning more or making extreme cuts. The Money Table is where we lay everything out, your bills, subscriptions, lifestyle expenses, even the purchases you avoid looking at so you can finally see the full financial picture.For most people, fake math runs the show. You tell yourself that a bonus will cover your expenses or that holidays “don't cost that much,” only to find yourself overspending and underprepared. At the Money Table, we stop the fake math by naming, numbering, and planning for the expenses that quietly drain your account.Through client stories, you'll hear how this simple step transformed how they think about money, whether it was planning for tutoring, travel, or even giving money to family. Once you see the full puzzle, you can finally make confident, intentional choices about your money instead of scrambling paycheck to paycheck.Listen in to learn:[02:10] What the Money Table is and why it matters[05:35] How fake math quietly drains your accounts[09:15] Client story: turning tutoring expenses into predictable monthly planning[14:40] How to plan for annual expenses so they don't wreck your budget[20:25] Why naming hidden expenses creates immediate relief[25:10] How clients start making their coaching investment back from Day OneTune into this episode of Money Files to discover how the Money Table helps you stop hiding from your numbers and finally see the full financial picture.Get full show notes and the episode transcript: https://wealthovernow.com/the-money-table-how-to-create-a-real-budget-and-stop-fake-math/Links mentioned in this episode…Set up a call | Financial Coach Washington, DC | Wealth Over NowDownload my FREE spending planEP. 190 Lisa's Story: How Lisa Stopped Using Her Planner To Budget
Not every paycheck-to-paycheck cycle is caused by poor spending habits, sometimes the root issue is your income.In this episode, I unpack the three most common reasons people face an income problem, and why acknowledging it isn't about shame but empowerment. From cost-of-living mismatches to household changes to underearning, I explain how to identify the real gap in your budget so you can finally make a plan that works.Through client examples, including Emily's story of adding income to ease her family's finances, you'll hear how reframing an income problem can lead to solutions that actually support your lifestyle and values. Because the truth is, you don't have to cut back harder or live with guilt. You may simply need to earn more.Listen in to learn:[01:40] How to know if your paycheck-to-paycheck cycle is mindset or income[04:12] Why cost-of-living mismatches create hidden income problems[07:58] Household and lifestyle changes that shrink your paycheck overnight[12:40] The trap of “money ceilings” and underearning[17:15] How to identify the real gap between your income and expenses[21:45] Why knowing your numbers is empowering—not shamefulTune into this episode of Money Files to discover how to identify and solve income problems so you can finally stop living paycheck to paycheck.Get full show notes and the episode transcript: https://wealthovernow.com/how-to-know-if-your-paycheck-to-paycheck-cycle-is-an-income-problem/Links mentioned in this episode…Set up a call | Financial Coach Washington, DC | Wealth Over NowDownload my FREE spending plan
Do you make a great income but still feel like you're living paycheck to paycheck?In this episode of Money Files, I dive into what I call High Earner Syndrome, the mindset trap that keeps six-figure earners stuck in cycles of overspending, fake math, and financial stress.On paper, you're making more than ever before, $12K, $20K, even $30K a month, but you still don't feel like you have enough to show for it. Raises, bonuses, and promotions come and go, but your savings doesn't grow, your debt lingers, and your stress remains.The problem isn't your income, it's the way you think about and manage your money. And until you shift your mindset and create a plan, lifestyle creep and fake math will keep you stuck, no matter how much you earn.In this episode, I share:[02:00] What High Earner Syndrome really is and why it's not an income problem[05:45] Why big bonuses disappear before you can enjoy them[10:10] How fake math sabotages even six-figure earners[15:30] Why planning 14 days at a time keeps you broke (and what to do instead)[20:25] How a client went from paycheck stress to having $14,000 in her account[24:10] The one mindset shift that puts you in control of your money todayTune into this episode of Money Files to learn how to break free from High Earner Syndrome, stop overspending, and create financial freedom with the income you already have.Get full show notes and the episode transcript: https://wealthovernow.com/why-even-high-earners-are-living-paycheck-to-paycheck/Links mentioned in this episode…Set up a call | Financial Coach Washington, DC | Wealth Over NowDownload my FREE spending plan
What happens when your relationship with money is ruled by shame?In this powerful client interview, Emily shares her deeply personal journey of moving from money avoidance, panic attacks, and “FU spending” to clarity, empowerment, and peace with her finances. Before coaching, Emily's money habits were fueled by old stories, guilt, and a constant feeling of not doing enough, even while homeschooling four kids and managing a household.Together, we worked through her “platter of shame,” rewired her money story, and created a system that aligned with her values instead of morality or judgment. Today, Emily not only feels in control of her spending but has also transformed how she communicates about money with her husband and children.Her story is proof that real financial freedom doesn't start when you hit a certain number, it starts when you release shame and embrace compassion for yourself.Listen to learn:[02:10] How money shame can manifest as panic attacks and avoidance[05:40] What “FU spending” looks like and why it's more emotional than financial[12:15] Why being underfunded isn't the same as overspending[20:25] How Emily shifted from level-10 money panic to calm, empowered decisions[27:45] Breaking the belief that she “owed” her kids certain purchases[35:10] How adding income became an empowering choice instead of a shame spiral[42:00] Why small wins, like paying bills on time are just as important as big milestonesTune into this episode of Money Files to hear Emily's inspiring journey from money shame to financial freedom and learn how you can start rewriting your own money story.Get full show notes and the episode transcript: https://wealthovernow.com/from-panic-to-peace-even-looking-at-bills-made-me-panic-emilys-story/Links mentioned in this episode…Set up a call | Financial Coach Washington, DC | Wealth Over NowDownload my FREE spending plan
Most people believe their debt is the reason they can't save, travel, or feel free with their money. But here's the truth: your debt isn't the villain, the story you're telling yourself about your debt is what's holding you back.In this episode of Money Files, I unpack one of the biggest mindset shifts that changed my own financial life and has transformed the lives of my clients: learning how to stop villainizing debt and start rewriting your money story.I'll share my journey of paying $500 a month toward student loans in my 20s, and how shifting my perspective helped me stop waiting for freedom and start creating it even while carrying debt. You'll also hear client examples that reveal how often we think debt is the problem, when the truth is, the lifestyle we want simply requires more clarity, intention, or income.If you've ever said, “I'd be further ahead if I didn't have this debt,” this episode is for you. You don't have to wait for a zero balance to feel at peace. You can create freedom now.Listen to learn:[01:05] Why the real problem isn't your debt, it's the story you're telling yourself[06:18] How a mindset shift turned $500 student loan payments into opportunity[10:30] The exercise I walk clients through to uncover what's really holding them back[16:42] Why more income, not less debt, might be the key to funding the life you want[22:55] How to live, save, and pay off debt at the same time[28:20] The real byproduct of shifting your money story: peace, confidence, and freedom nowTune into this episode of Money Files to discover how to stop villainizing your debt and start living the life you want even before it's all paid off.Get full show notes and the episode transcript: https://wealthovernow.com/the-surprising-mindset-shift-that-makes-paying-off-debt-easier/Links mentioned in this episode…Set up a call | Financial Coach Washington, DC | Wealth Over NowDownload my FREE spending plan
What if your financial stress isn't about how much you earn, but how your money is (or isn't) working for you?In this candid and encouraging episode, I sit down with my client Lisa to talk about the real shift that changed her life, not just her bank balance. Lisa thought she had a system… until she realized she was doing fake math, chasing checks, and constantly feeling like she should have more to show for her income.Together, we unpack how she let go of shame and guilt around money, created a spending plan that gives every dollar a job, saved over $2,300 for a Disney cruise without stress, developed a plan to eliminate credit card debt without burnout, traveled freely while still building a financial cushion, and ultimately found peace, confidence, and clarity in her relationship with money.Lisa's story is for anyone who's ever felt like they're doing “okay” on the outside, but overwhelmed on the inside. If you've been juggling spreadsheets, mental math, and a planner filled with due dates, but still feeling behind this episode will resonate deeply.Listen to learn:[03:10] The difference between a planner and a real system[06:34] How fake math fuels paycheck-to-paycheck stress[10:12] What shifted when Lisa gave every dollar a home[12:47] The power of intentional saving and planning for joy[18:02] The unexpected emotional weight of overlooked expenses[23:30] Moving from money anxiety to empowered spending decisions[27:44] Finding freedom without sacrificing fun or travel[30:21] Why Lisa now feels like her money system creates “overflow”Get full show notes and the episode transcript: https://wealthovernow.com/lisas-story-how-lisa-stopped-using-her-planner-to-budget/Links mentioned in this episode…Set up a call | Financial Coach Washington, DC | Wealth Over NowDownload my FREE spending plan
You've been celebrating your three-paycheck month like it's a financial bonus, but I'm here to tell you, that third paycheck? It's not extra money. It's fake math in action.In this episode of Money Files, I help you shift your mindset and your money systems so you can stop overspending and start building financial peace. I walk you through the exact budgeting strategy I use with clients during three-paycheck months, my simple Three Money Bucket System and how it helps high earners stop leaking money and start getting ahead.You'll learn why this third paycheck is the perfect opportunity to build a buffer, pay annual subscriptions, and get out of the paycheck-to-paycheck cycle for good.If you've ever wondered, “Where did my money go?” after a month with a little more income, this episode is for you.Listen in to learn:[01:11] Why your third paycheck isn't actually “extra”[06:08] The trap of fake math and how to avoid it[09:02] How to apply the Three Money Bucket System in a 3-paycheck month[13:44] The real way to build a buffer and automate peace[18:03] Why predictability not spontaneity creates financial easeTune in now to learn how to treat every paycheck with intention and finally stop letting fake math run your finances.Get full show notes and the episode transcript: https://wealthovernow.com/turn-your-3rd-paycheck-into-a-financial-power-move/ Links mentioned in this episode…Set up a call | Financial Coach Washington, DC | Wealth Over NowDownload my FREE spending plan
Ever feel like you're stuck in a loop where unexpected expenses always ruin your budget?In this episode, I break down what I call the “This Always Happens” Money Fix, a two-step process that helps my clients stop spiraling and start building real budgeting confidence. If you've ever looked at your account and thought, “Ugh, how did this happen again?” this is for you.I'll show you how to shift from shame to strategy using my signature process: Respond and Recalibrate. These simple but powerful questions will help you navigate unexpected charges, stop the guilt cycle, and actually make your budget more responsive to your real life.If you've ever paid a surprise dental bill, forgotten about a recurring charge, or panicked over a financial “oops,” this episode will help you move from frustration to freedom without ditching your budget.[01:04] Why unexpected charges don't mean you're failing with money[02:20] The “This Always Happens” Money Fix: Respond and Recalibrate[06:10] Real client examples and how we tackled hidden expenses[10:23] What a dental emergency taught my client about budgeting on purpose[14:55] How to build a money system that grows with youTune in to learn how to make your money system sustainable so you're not just budgeting for the month but building financial resilience for life.Get full show notes and the episode transcript: https://wealthovernow.com/a-better-way-to-handle-unexpected-expenses/Links mentioned in this episode…Set up a call | Financial Coach Washington, DC | Wealth Over NowDownload my FREE spending plan
Fall might feel like a break after a busy summer, but if you're not careful, it can catch you off guard, especially financially.In this episode, I talk about what it really means to be “always ahead” with your money. I don't mean skipping brunch or deleting a budgeting app. I mean planning intentionally for the next 90 days before your spending happens. Whether you're prepping for back-to-school, travel, holiday hosting, or just want to enjoy cozy hikes and solo retreats, this episode will help you align your spending with your real life, not just your calendar.I share the exact questions I walk my clients through and how to use your photo album (yes, really!) to build a budget that supports your joy, not restricts it.So if you're feeling the pressure to “cut back” as fall rolls in, this episode will help you shift from reactive to proactive and put your dollars to work on purpose.Listen now to learn how to plan your money with intention and…[00:42] What “being ahead” actually looks like[03:12] The false promise of fall being a low-spend season[06:47] Why “just cutting back” isn't a real plan[09:05] How to budget for joy using your personal photo album[10:50] My fall reset invitation and how to work with me 1:1Tune in to learn how planning ahead can help you stop reactive budgeting, align your money with your real life, and feel confident about what's coming next.Get full show notes and the episode transcript: https://wealthovernow.com/always-ahead-how-to-budget-for-the-fall-season-without-falling-behind/Links mentioned in this episode…Set up a call | Financial Coach Washington, DC | Wealth Over NowDownload my FREE spending plan
Thinking about coaching but not sure what to expect?In this episode, I'm pulling back the curtain on my five-month coaching partnership. You'll hear answers to the five most common questions I get about what coaching looks like, how it works week-to-week, and how it helps you create long-term results.I break down exactly what happens inside the coaching container from building your first real budget to the “ah-ha” moments that help you stay out of debt and stop overspending for good.If you've been lurking, this episode was made for you.In this episode, you'll learn:[01:04] Why booking a consult is the most important step[04:39] Yes, you'll get a real budget and no, it's not just a list of bills[08:02] How we layer in cultural, family, and life context to make your plan work[10:16] What weekly coaching actually looks like[13:22] How clients make their investment back (sometimes within weeks)[16:15] Why you don't need to be debt-free to start[18:45] There's never a “perfect time”, here's why you should start nowTune in to learn how coaching can shift your relationship with money, create sustainable habits, and help you finally feel in control of your finances.Get full show notes and the episode transcript: https://wealthovernow.com/what-really-happens-in-a-5-month-money-coaching-partnership/Links mentioned in this episode…Set up a call | Financial Coach Washington, DC | Wealth Over NowDownload my FREE spending plan
Saving money shouldn't feel like a mystery or a one-time event. Whether you're building your first $500 or trying to break a savings plateau, this episode will help you learn how to save on purpose.In this episode, I walk you through my Magic 10 Method, a simple, repeatable process to help you save $10,000 with control, intention, and ease. We'll explore what it means to treat saving as a skill, how to break out of the save-spend cycle, and how to stop leaving your financial peace to chance.Whether you're a new saver or someone trying to rebuild after dipping into your fund, this episode is your guide to becoming a consistent, confident saver.Listen to learn how to build and maintain a five-figure savings account that doesn't just sit pretty, but works for you.In this episode, you'll learn:[00:48] Why saving is a skill, not a personality trait[02:35] Introducing the Magic 10 Method[06:09] The 6 phases of the savings continuum[11:42] How to calculate your Magic 10 savings pace[14:55] Real talk: $200/month is better than $0/month[18:30] Option 1 vs. Option 2: Choose your savings strategy[21:10] The #1 commitment you need to make todayTune in now and learn how to use the Magic 10 Method to save $10K with ease, consistency, and confidence.Get full show notes and the episode transcript: https://wealthovernow.com/the-hustler-saver-why-making-more-money-still-leaves-you-broke/Links mentioned in this episode…Set up a call | Financial Coach Washington, DC | Wealth Over NowDownload my FREE spending plan
You know how to make money. You've always made it work. But now, hustling feels like the only plan you've got to create more financial space.In this episode of Money Files, I talk to my high earners, the folks who've always made it happen, about why hustle is no longer a sustainable savings plan. I'll unpack how relying on your ability to earn (and earn again) keeps you in a reactive financial cycle that looks like freedom from the outside but feels exhausting on the inside.You'll learn how to shift from hustle to ease by creating an options fund, a pot of money that supports the lifestyle you actually want, not just the one your hustle can cover. I'll walk you through how my clients are building financial systems that finally reflect their income, values, and future goals.If you're tired of making money only to watch it disappear, this episode will help you pause the grind, get off the hustle hamster wheel, and move your money with purpose.In this episode, you'll learn: [01:11] What defines a Hustler Saver [03:18] Why hustle is not a sustainable savings plan [06:39] The difference between fake financial freedom and real security [10:44] How high earners fall into hustle traps, even with 7-figure businesses [12:10] The Options Fund: your safety net and freedom tool [15:00] How to build a repeatable, purpose-filled money systemTune in now and learn how to break free from the Hustler Saver cycle and finally build savings that stick.Get full show notes and the episode transcript: https://wealthovernow.com/the-hustler-saver-why-making-more-money-still-leaves-you-broke/ Links mentioned in this episode…Set up a call | Financial Coach Washington, DC | Wealth Over NowDownload my FREE spending plan
You're saving money, but somehow you're still always transferring money out of savings to cover expenses. That's what I call the Dipper Identity. And if this is you, it's not about willpower. It's about your budget.In this episode, I walk you through the sneaky cycle of dipping into savings and why it happens even when you're doing “all the right things.” I break down the signs that fake math is running your money and the four steps you can take to finally break free. From budgeting beyond your bills to naming your savings accounts, I'll show you how to stop feeling like life is constantly knocking you back.If your savings account is a roller coaster instead of a steady climb, it's time to reflect, reset, and rebuild a system that supports you.Listen to learn how to move past the Dipper Identity and finally protect your savings…[00:43] What it means to be a dipper[03:01] Why this isn't about discipline, it's about your budget[04:15] Signs fake math is running your financial life[06:08] Step 1: Identify your last three dips[08:44] Step 2: Budget beyond your bills[10:23] Step 3: Separate your savings accounts[12:49] Step 4: Use rolling savings for recurring expenses[14:30] What real financial safety looks likeTune in now and learn how to stop dipping into your savings and start building a budget that actually works.Get full show notes and the episode transcript: https://wealthovernow.com/how-to-stop-dipping-into-savings-budgeting-tips-personal-finance-money-coaching-emergency-fund-strategy-savings-account-financial-planning-fake-math-rolling-savings-intentional-saving/Links mentioned in this episode…Set up a call | Financial Coach Washington, DC | Wealth Over NowDownload my FREE spending plan
Are you the kind of saver who says, “I'll save whatever's left over after the bills are paid”?Here's the spoiler alert. There usually isn't anything left over. In this episode, I'm calling out the leftover saver mindset and walking you through what it takes to become someone who saves money with clarity and consistency.I'll show you why saving has nothing to do with willpower and everything to do with worth. You'll hear why $25 saved with intention is more powerful than $250 saved with guilt and how my clients have shifted from not saving at all to confidently setting aside thousands each month.Inside this episode, I'll help you:[05:00] The biggest mindset blocks keeping you from saving[03:40] Why saving is a radical act of self-care, not a luxury[12:03] How to start with as little as $25 and still see real results[13:58] A practical 4-step strategy to finally become a confident saverSaving is not a luxury. It's a necessity. If you're ready to stop leaving yourself out of your financial plan, this episode is for you.Tune in now and learn how to stop saving what's left and start saving on purpose.Get full show notes and the episode transcript: https://wealthovernow.com/the-leftover-saver-how-to-stop-trying-to-save/Links mentioned in this episode…Set up a call | Financial Coach Washington, DC | Wealth Over NowDownload my FREE spending plan
Saving for a rainy day doesn't always spark motivation. That's why in this episode, I introduce the concept of the Side Eye Fund—a money stash that empowers you to say “no thanks” to toxic jobs, burnout, and financial fear.If traditional emergency funds haven't inspired you to save, this episode will reframe what savings can mean for your life. It's not about disaster prep, it's about options.I'll share how my clients use the Side Eye Fund to build financial peace on their own terms. Whether you want to walk away from a draining job, take an unpaid break, or support a loved one without stress, this episode will help you start saving for the life you actually want.You'll also hear a real-life example from a client working toward her $24,000 fund goal and why slow, intentional saving beats hustle and sacrifice.Listen to learn how to build a savings system that puts you in control of your choices…[00:36] Why I want you to have options, not just budgets[02:04] What a Side Eye Fund is and why you need one[06:14] Rethinking the traditional “emergency fund”[08:45] What the Side Eye Fund allows you to do in real life[10:30] A client story: growing a $24,000 Side Eye Fund[13:35] How to start your own Side Eye Fund today[15:22] Why you don't need a crisis to start savingTune into this episode of Money Files to discover how a Side Eye Fund can give you the freedom to walk away, say yes to yourself, and save without fear.Get full show notes and the episode transcript: https://wealthovernow.com/emergency-funds-are-out-side-eye-funds-are-in/Links mentioned in this episode…Set up a call | Financial Coach Washington, DC | Wealth Over NowDownload my FREE spending plan
Think you need the perfect plan to start managing your money? You don't. You just need permission.In this episode of Money Files, I'm sharing 10 powerful questions you can bring to your next money date to stop the cycle of avoidance and finally feel in control. If you've been waiting for the “right time” to get better with your finances. This is it.We'll talk about why perfectionism and procrastination are costing you more than you think, how a 10-minute weekly check-in can rebuild your trust with money, and how to get curious instead of judgmental about your spending.This episode is for you if:You've been avoiding your bank account.You feel behind financially, even though you earn well.You keep telling yourself you'll figure it out… later.I'll walk you through the exact process I use with clients who go from overwhelmed and avoidant to clear and confident about their numbers. These 10 questions are simple, but they will shift how you think about money and how you think about yourself.Episode Highlights: [00:57] Why waiting for the “perfect time” is keeping you stuck [03:15] The power of permission in your financial life [05:30] Why money dates matter and how to start without a plan [07:44] 10 questions to ask during your next money date[14:00] How these questions build clarity, trust, and financial easeTune into this episode of Money Files to discover how asking the right questions can transform your relationship with money and help you take confident action today.Get full show notes and the episode transcript: https://wealthovernow.com/10-money-date-questions-that-will-change-how-you-manage-your-finances/ Links mentioned in this episode…Set up a call | Financial Coach Washington, DC | Wealth Over NowDownload my FREE spending plan
Ever felt like budgeting has to be perfect to work?In this episode, I tackle the common struggle of perfectionism that paralyzes many when it comes to budgeting and I introduce you to the Permission Budget. A simple, powerful tool that helps high earners make intentional money decisions when life feels messy, busy, or overwhelming.Instead of waiting for the right time to get your finances in order (like after the trip or after the promotion), I walk you through how to build clarity and confidence right now. You'll learn how to plan ahead, avoid shame, and trust yourself with money even when you're tempted to swipe first and figure it out later.Check out this episode where I break down the permission budget and…[04:48] The most common emotional triggers behind budget overwhelm[06:27] Why high achievers freeze when it's time to budget[09:02] How to create a permission budget in five minutes[18:40] What to do right now to take control of your spendingTune into this episode of Money Files to discover how to take control of your finances without the pressure of perfection.Get full show notes and the episode transcript: https://wealthovernow.com/permission-budgeting-how-to-overcome-overwhelm-and-take-control-of-your-finances/Links mentioned in this episode…Set up a call | Financial Coach Washington, DC | Wealth Over NowDownload my FREE spending plan
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
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