Podcasts about money coaching

Two couples take the stage with a shared question—but very different financial realities: When is “enough” actually enough to move forward? Finn and Luna built a successful pet-sitting business and now sit on hundreds of thousands of dollars—but with no clear plan for investing, homeownership, or the future. Meanwhile, Monica and Antonio earn a strong income, are completely debt-free, and yet feel paralyzed by fear as they juggle parenting, aging parents, and the possibility of purchasing a larger home. In this live episode, Ramit digs into the tension between optimism and realism, abundance and anxiety. Together, they confront inherited money stories, decision paralysis, and what it really takes to turn income into confidence—so money stops being the thing that holds them back. In this episode we uncover: • Why having “hundreds of thousands of dollars” can still feel like total financial chaos without a system • The emotional whiplash of going from paycheck-to-paycheck to sudden abundance • How Finn and Luna's optimism vs. realism split shows up in every conversation about housing, investing, and location • Why crypto success without understanding risk creates false confidence • The real reason Luna pulled money out of investments and parked it in cash • How not knowing basic investing terms keeps progress stalled • Finn's fear that California homeownership is a ticking time bomb • Monica and Antonio's decision paralysis despite high income and zero debt • How generational trauma, bankruptcies, and lost homes shaped Monica's daily money anxiety • Why Antonio believes earning more is the solution • The financial and emotional toll of supporting aging parents while raising young children • The hidden cost of being “responsible for everyone” and never prioritizing your own future • The shift from reacting emotionally to money toward making deliberate, shared financial decisions • What changes when money stops being mysterious Chapters: (00:00:00) “I'm a dreamer”—and he just wants a real plan (00:25:32) What happens when the optimizer stops optimizing at home? (00:33:01) “They gave up everything for us” (00:46:33) “We make great money—but it doesn't feel like enough” (00:57:52) “I set the bar so high I can never win” (01:04:37) Where are they now? Both couples' follow-ups This episode is brought to you by: Bilt | Join the loyalty program for renters at https://joinbilt.com/ramit Shopify | Sign up for a $1 per month trial period at https://shopify.com/ramit Fabric by Gerber Life | Join the thousands of parents who trust Fabric to protect their family. Apply today in just minutes at https://meetfabric.com/ramit Gelt | Book a tax consultation with Gelt at https://joingelt.com/ramit. As a member of my community, you can skip the waitlist LMNT | Get a free 8-count Sample Pack with any LMNT order at https://drinklmnt.com/RAMIT Masterclass | Get up to 50% off Masterclass during the holiday season at https://masterclass.com/ramit Links mentioned in this episode • If you want help with your finances, join my Money Coaching program at https://iwt.com/moneycoaching Connect with Ramit • Get my new book, Money For Couples • Get Money Coaching with Ramit • Download the Conscious Spending Plan • Listen to my book—now on Audible • Get my New York Times best-selling book • Get my no-numbers journal • Other episodes • Instagram • Twitter • YouTube If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here.

Cheryl (67) and Michael (69) have built rich, full lives: multiple careers, reinventions, and nearly 12 years of marriage. Yet when it comes to money, they feel stuck. They earn about $120,000 a year, have roughly $600,000 saved, and regularly book $10,000–$15,000 vacations focused on travel, family, and experiences. Then, almost immediately, panic sets in. With mostly separate finances, lingering trust issues from past decisions, and no clear retirement plan, they're embarrassed to admit that they don't actually know when (or if) they can retire. Cheryl wants clarity and confidence about the future, while Michael wrestles with fear, guilt, and uncertainty around spending and security. Can Ramit help them stop oscillating between YOLO travel and financial anxiety, and finally create a plan that lets them enjoy life without fear? In this episode we uncover: • Why Cheryl and Michael can easily book $10K–$15K vacations, then immediately panic • How a “dream trip” exposes deeper confusion about what money they actually have access to • How Michael losing $12,000 from an inheritance investment triggered feelings of betrayal • Cheryl's cancer survival and how living with mortality reshaped her urgency to travel, spend, and fully live now • Michael's discomfort with seeing money as “real” unless it's physically accessible • Why keeping finances mostly separate makes it nearly impossible to feel confident about retirement • The emotional weight of being the higher earner • How early family money stories still shape Michael's decisions today • Cheryl's journey from Wall Street wealth to purpose-driven work • Why spending in retirement feels scarier than earning ever did • How “YOLO travel” and hyper-frugality coexist • What their Conscious Spending Plan reveals about low fixed costs, high freedom, and misplaced fear • Why having a financial advisor still didn't give them clarity or peace of mind Chapters: (00:00:00) “I'm just doing this for Cheryl” (00:23:13) Ramit breaks down their numbers (00:45:23) “If we're not on the same page, it'll be an ugly retirement” (01:08:29) “Am I worth it now—or am I still that kid asking permission?” (01:10:01) “We never talked about money when we met” (01:23:10) “If we retire now… will it feel like freedom—or fear?” (01:36:38) Where are they now? Cheryl and Michael's follow-ups This episode is brought to you by: ZocDoc | Download the ZocDoc app for FREE at https://zocdoc.com/ramit then find and book a top-rated doctor today #sponsored Leesa | Go to https://leesa.com for 20% off mattresses PLUS get an extra $50 off with promo code RAMIT, exclusive for my listeners Factor | Get 50% off plus free shipping on your first box at https://factormeals.com/ramit50OFF with code RAMIT50OFF Facet | Facet is waiving their $250 enrollment fee for new annual members, and for my audience, Facet is offering $300 into your brokerage account if you invest and maintain $5,000 within your first 90 days. Head to https://facet.com/ramit to learn more about which membership option is best for you. Offer expires December 31, 2025. Fabric by Gerber Life | Join the thousands of parents who trust Fabric to protect their family. Apply today in just minutes at https://meetfabric.com/ramit Links mentioned in this episode • If you want help with your finances, join my Money Coaching program at https://iwt.com/moneycoaching Connect with Ramit • Get my new book, Money For Couples • Get Money Coaching with Ramit • Download the Conscious Spending Plan • Listen to my book—now on Audible • Get my New York Times best-selling book • Get my no-numbers journal • Other episodes • Instagram • Twitter • YouTube If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here.

Ever feel like the year flew by and you're not sure where your money went?In this episode, I'm reflecting on my own money habits in 2025, the systems that held things together during postpartum, what slipped through the cracks, and how I'm setting up for a stronger 2026. I'm also inviting you to join my 2026 Money Reset, a behind-the-scenes video series where I walk you through everything I do to prep my finances for the new year.In this episode, you'll learn:✅ Why reflection is the first step to setting powerful money goals ✅ A roadmap of what you should do at the end of the year to set yourself up for the next year ✅ Why financial “admin” like insurance and estate planning matter more than you thinkWould you like to follow along and perform your own reset? Join the 2026 Money Reset video series (first video drops Dec 26th):Click Here to JoinWant personalized support with your 2026 money goals? Book a free call to learn more about 1:1 Money Coaching:https://www.buildinggenwealth.com/work-with-me

Jamie (45) and Ryan (36) have been married for nearly a decade and share three kids, but their financial foundation was shaken when Ryan quit his high-paying finance job and cashed out his 401(k) without telling Jamie. Now earning far less, they're still spending like nothing changed, running up credit card debt and ending each month wondering where the money went. Jamie, the higher earner, is anxious about retirement and trust after years of financial surprises, while Ryan avoids money conversations and struggles with insecurity. Layered on top are a 10-year age gap, deep past trauma, and very different visions of a Rich Life. Can Ramit help them rebuild trust, create a real plan, and finally start acting like partners instead of adversaries? In this episode we uncover: • The moment Jamie learned Ryan quit his high-paying job and cashed out his 401(k) • How Ryan's breaking point at work led to a “nuclear option” decision that shifted stress from the office straight into their marriage Why earning nearly $300K still leaves them feeling broke • The trust fallout from repeated unilateral decisions, including quitting jobs, cashing out retirement accounts, and impulsive purchases • How Ryan's spending on shoes, clothes, and even a classic car mirrors patterns he watched growing up • Jamie's role as the default financial manager • The vacation-vs-things blame cycle that keeps them stuck spending instead of saving • Why hiding money in a separate savings account felt like the only way Jamie could protect their future • The uncomfortable truth behind their $13K emergency fund • How calling their own spending “stupid” and “dumb” keeps them trapped in shame instead of change • The emotional toll of living in constant financial vigilance while still spending freely on convenience and comfort • How a failed $500 spending rule exposed their lack of shared systems • The powerful influence of Midwestern money guilt, family secrecy, and conflicting childhood money messages • Jamie's past divorce and financial trauma • The shift from adversaries to collaborators Chapters: (00:00:00) “We'll just go our separate ways” (00:18:56) Ramit breaks down their numbers (00:40:49) “Smart people can make stupid choices” (00:52:26) “Can we become a team again?” (01:02:09) “Is this a Rich Life—or just a really long to-do list?” (01:14:36) “You've turned dysfunction into permission” (01:28:57) “I'm bitter that I have to pay it off” (01:39:21) Where are they now? Jamie and Ryan's follow-ups This episode is brought to you by: Gelt | Book a tax consultation with Gelt at https://joingelt.com/ramit. As a member of my community, you can skip the waitlist Trust & Will | Protect what matters most in minutes at https://trustandwill.com/ramit and get 10% off plus free shipping. Aura Frames | Use promo code RAMIT to get $35 off the best-selling Carver Mat frames at https://auraframes.com DeleteMe | If you want to get your personal information removed from the web, go to https://joindeleteme.com/ramit for 20% off Rocket Money | Cancel unwanted subscriptions and reach your financial goals faster at https://rocketmoney.com/ramit Links mentioned in this episode • If you want help with your finances, join my Money Coaching program at https://iwt.com/moneycoaching Connect with Ramit • Get my new book, Money For Couples • Get Money Coaching with Ramit • Download the Conscious Spending Plan • Listen to my book—now on Audible • Get my New York Times best-selling book • Get my no-numbers journal • Other episodes • Instagram • Twitter • YouTube If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here.

You're making “good money” but it doesn't it feel like it. In this episode, I break down the #1 thing I help every client uncover in their finances in order to build wealth: wealth-building cash flow. If you've ever thought, “I'm not overspending because I pay off my credit card every month” — this episode will rewire how you think about spending, saving, and using your income to actually build wealth month after month.In this episode, you'll learn:✅ Why paying off your credit card in full isn't the same as building wealth✅ What wealth-building cash flow is and how to find it in your income✅ How to prepare for unexpected expenses without derailing your money goalsApply for 1:1 Money Coaching: https://www.buildinggenwealth.com/work-with-me

Gino is a successful entrepreneur, certified Money Coach, and proud father of six who brings a wealth of real-world experience to his work. Having built and operated multiple businesses, including restaurants, he knows firsthand what it takes to launch and grow ventures from the ground up. Through Barbaro 360, Gino is expanding his mission to mentor and empower individuals in every aspect of life—covering personal finance, parenting, relationships, wellness, and faith. His holistic approach helps people thrive both personally and professionally. Having coached hundreds of investors and entrepreneurs, Gino now focuses on money coaching, guiding individuals to explore and transform their relationship with money so they can create lasting financial freedom and fulfillment.  During the show we discuss: Why understanding your relationship with money is the foundation of lasting financial change The most common money patterns or "money types" that shape financial behavior How a 4-session Money Coaching process uncovers the root causes behind money decisions Why high earners often stay stuck in financial "survival mode" The first steps to building a financial system that fits real life How business owners can separate personal and business finances to reduce stress The role mindset plays in financial clarity and long-term success The most common money myths that block wealth-building How couples align money habits and reduce financial conflict The difference between earning more money and building real wealth How coaching helps overcome fear, guilt, and emotional blocks around money Resources:  https://barbaro360.com/

Ever feel like it's too late to start investing — even if you're close to retirement. In this episode, I'm joined by my client Mabel, a Latina in her 60s who used to be scared of investing and avoided her retirement accounts altogether. Now, she's confidently navigating her investing dashboard, understanding how her money grows, and planning to retire earlier than expected - without the pressure to pay off her mortgage first.In this episode, you'll learn:✅ What shifted Mabel's relationship with risk and how she overcame her fear of investing✅ Why she stopped blindly paying down her mortgage and started investing instead✅ How she finally learned to manage her 401(k) without relying on a financial advisor

Alex (34) and Jackie (33) have been married for 11 years, raising four young kids while navigating a financial dynamic that's been strained for nearly as long. Alex is meticulous and cautious — he's tracked every expense since 2016 — while Jackie follows her instincts and believes God will provide. But when she secretly enrolled in a $5,000 coaching program and later pushed for a $16,000 photography course, Alex's trust shattered. Now he feels like he's carrying the entire financial load, while Jackie feels discouraged and untrusted. Their arguments spill into daily life, even in front of their kids. Can Ramit help them rebuild trust, confront their conflicting money beliefs, and finally create a system that brings peace instead of panic? In this episode we uncover: • Why Alex has tracked every dollar since 2016—and how control became his default coping strategy • Jackie's belief that “money will come” and the role faith plays in her financial decisions • How a secret $5,000 coaching purchase shattered Alex's sense of safety • The emotional toll of raising four young kids while constantly feeling financially behind • How Jackie's childhood of scarcity and inconsistent money messages shaped her impulse-driven spending • How Alex's upbringing around saving, stability, and tithing taught him to equate control with security • Why relying on miracles and unexpected windfalls creates a fragile financial foundation • Jackie's desire to feel heard, supported, and validated—instead of managed • Why Alex feels lonely and burdened in the role of financial gatekeeper • How a shared money system can shift them from crisis-mode to long-term partnership • The first steps they take toward rebuilding trust, financial clarity, and a plan they can both commit to Chapters: (00:00:00) “Do you trust each other?” (00:17:40) “We had $300 and no plan” (00:29:15) Ramit breaks down their numbers (00:37:15) “If we just made more, everything would change” (00:50:52) “I wasn't taught to dream — just to survive” (00:58:53) “Hope isn't a financial strategy” (01:07:33) “I want the positive behavior without the crisis” (01:16:36) “The house is on fire” (01:29:07) “That changes everything” (01:36:56) Where are they now? Alex and Jackie's follow-ups This episode is brought to you by: Gusto | Try Gusto at https://gusto.com/ramit and get 3 months free when you run your first payroll Leesa | Go to https://leesa.com for 30% off mattresses PLUS get an extra $50 off with promo code RAMIT, exclusive for my listeners Factor | Go to https://factormeals.com/ramit50OFF and use code RAMIT50OFF to get 50% off your first box, plus free breakfast for 1 year Rocket Money | Cancel unwanted subscriptions and reach your financial goals faster at https://rocketmoney.com/ramit Trust & Will | Protect what matters most in minutes at https://trustandwill.com/ramit and get 10% off plus free shipping Links mentioned in this episode • If you want help with your finances, join my Money Coaching program at https://iwt.com/moneycoaching. Connect with Ramit • Get my new book, Money For Couples • Get Money Coaching with Ramit • Download the Conscious Spending Plan • Listen to my book—now on Audible • Get my New York Times best-selling book • Get my no-numbers journal • Other episodes • Instagram • Twitter • YouTube If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here.

Imani (52) and Michael (65) return for Part 2—and this time, Ramit pushes them to find out how fast they can turn things around. After years of miscommunication, mounting debt, and emotional exhaustion, they've finally started tackling their finances together. But when Facet's retirement scenarios reveal how long their money will really last, they're forced to confront new tradeoffs: spend less now, retire later, or change their lifestyle entirely. Can Michael step up and lead? Can Imani release control and start dreaming again? Or will their old habits slow their progress before it even begins? A special thanks to Facet for sponsoring this episode. Right now, Facet is waiving their $250 enrollment fee for new annual members. And if you invest and maintain $5,000 within your first 90 days, they'll add $300 to your brokerage account. Head to facet.com/ramit to see which membership—Core, Plus, or Complete—is right for you. (Ramit is not a member of Facet, and he has an incentive to endorse Facet as he has an ongoing fee based contract for cash compensation based on this endorsement. All opinions are his own and not a guarantee of a similar outcome.) In this episode we uncover: • Why Michael finally decides to take ownership after decades of financial avoidance • The moment Imani says she's “tapping out” if things don't change • How they discover Michael's electronics obsession is more than clutter—it's avoidance • The shocking realization that their debt payments eat up one-third of their take-home pay • How selling off $7,000 of electronics became the turning point for their marriage • What it felt like for Imani to finally let go of control and let Michael lead • Why teamwork and a clear plan helped them pay off $6,000 in just four weeks • How both partners confront what “enough” really means • The couple's new shared dream: retiring abroad and living a simpler, freer life Chapters: (00:00:03) “I'm angry at Michael, I'm angry at myself” (00:18:03) “I've lost the ability to dream” (00:34:45) “It's gotta work” (00:40:17) “I got the fever to start selling stuff” (00:51:47) “I could see the cloud starting to separate” (01:06:29) “I feel excited, inspired, energized” (01:22:39) Where are they now? Imani and Michael's follow-ups This episode is brought to you by: Wispr Flow | Voice-to-text AI that turns speech into clear, polished writing in any app. Try it for free at https://wisprflow.ai/ramit Gelt | Book a tax consultation with Gelt at https://joingelt.com/ramit. As a member of my community, you can skip the waitlist MasterClass | For unlimited access to every class and up to 50% off an annual membership, go to https://masterclass.com/ramit ZocDoc | Download the ZocDoc app for FREE at https://zocdoc.com/ramit then find and book a top-rated doctor today #sponsored Shopify | Sign up for a $1 per month trial period at https://shopify.com/ramit Links mentioned in this episode • If you want help with your finances, join my Money Coaching program at https://iwt.com/moneycoaching Connect with Ramit • Get my new book, Money For Couples • Get Money Coaching with Ramit • Download the Conscious Spending Plan • Listen to my book—now on Audible • Get my New York Times best-selling book • Get my no-numbers journal • Other episodes • Instagram • Twitter • YouTube If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here.

Imani (52) and Michael (65) have been married for 24 years—and they're drowning in nearly $126,000 of consumer debt despite earning over $250,000 a year. Imani, a disciplined attorney who tracks every dollar, feels trapped by Michael's unchecked spending on electronics and his laid-back approach to money. She dreams of travel, freedom, and a life that finally feels generous, while he insists everything's fine as long as the bills get paid. With resentment growing and Imani nearing her breaking point, Ramit challenges them to face the truth: Can they pay off their debt, rebuild trust, and start enjoying life again—or are they too stuck in old patterns to change? A special thanks to Facet for sponsoring this episode. Right now, Facet is waiving their $250 enrollment fee for new annual members. And if you invest and maintain $5,000 within your first 90 days, they'll add $300 to your brokerage account. Head to facet.com/ramit to see which membership—Core, Plus, or Complete—is right for you. (Ramit is not a member of Facet, and he has an incentive to endorse Facet as he has an ongoing fee based contract for cash compensation based on this endorsement. All opinions are his own and not a guarantee of a similar outcome.) In this episode we uncover: • Why Imani regrets combining finances after 20 years of marriage • How Michael's promise to “put the money back” reveals a lifetime of avoidance • The stark contrast between Michael's military discipline and total lack of structure at home • What happens when one partner outgrows the other in ambition, discipline, and self-development • Why Imani admits she's embarrassed to be in massive debt at her age • Michael's habit of buying cars and electronics to celebrate milestones • How their $268,000 income still leaves them feeling broke, anxious, and behind • Why Imani clings to control and spreadsheets while Michael tunes out completely • How both partners confront the question: Can they rebuild trust and create structure before it's too late? Chapters: (00:00:00) “Did you go to Best Buy again?” (00:17:34) “I don't think I've ever planned anything in my life” (00:24:43) “Every time we had a kid, he bought a car” (00:36:48) Ramit breaks down their numbers (00:44:33) “We make way too much to be this stressed about money” (00:56:21) “I don't want to do life by myself” (01:10:51) Can a couple this far apart still find common ground? This episode is brought to you by: Gusto | Try Gusto at https://gusto.com/ramit and get 3 months free when you run your first payroll DeleteMe | If you want to get your personal information removed from the web, go to https://joindeleteme.com/ramit for 20% off Notion | Try Notion, now with Notion Agent, at https://notion.com/ramit Wildgrain | Get $30 off the first box — PLUS free Croissants in every box — at https://wildgrain.com/ramit LMNT | Get a free 8-count Sample Pack with any LMNT order at https://drinklmnt.com/RAMIT Links mentioned in this episode • Join my Money Coaching program for monthly help: https://iwt.com/moneycoaching Connect with Ramit • Get my new book, Money For Couples • Get Money Coaching with Ramit • Download the Conscious Spending Plan • Listen to my book—now on Audible • Get my New York Times best-selling book • Get my no-numbers journal • Other episodes • Instagram • Twitter • YouTube If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here.

Most people think you need to earn more or win the lottery to build wealth, but that's not actually true.In this episode, I break down the two most overlooked resources you already have access to and how using them well can help you build serious wealth over time. I also walk you through what it actually looks like to live off your investments, and how to calculate your own retirement goal using the 4% rule.You'll learn:✅ What the 2 most important wealth-building resources are (and why most people ignore them)✅ The formula for figuring out how much you need to retire✅ Why time is way more valuable than money and how to use it✅ How to avoid repeating the cycle of financial dependence in your family✨ Ready to stop second-guessing your future and start investing with confidence?Book a 1:1 Money Coaching call: ⁠https://www.buildinggenwealth.com/work-with-me⁠

Samantha (36) and Kevin (41) have been together for seven years, but their financial lives couldn't look more different. He's a high earner with $800,000 in investments and a paid-down mortgage. She's still carrying student loans, car payments, and lingering shame about being “behind.” While Kevin saves methodically for the future, Samantha prefers to spend on experiences—especially travel—leaving him questioning whether their financial priorities will ever align. Beneath the surface, neither of them has truly learned how to talk about money without shutting down. Can Ramit help them move from avoidance and resentment to shared goals and real plans for the future? A special thanks to Ultraspeaking, who worked with Samantha and Kevin to help them communicate more effectively as a couple. Ultraspeaking is the fastest and most effective way to become a great communicator. Learn more at https://ultraspeaking.com. In this episode we uncover: • Why Samantha believes she'll never be “financially good enough” for Kevin • How their shared avoidant tendencies have allowed them to avoid financial planning for years • How their unspoken expectations around “fairness” create tension • Samantha's logic for not paying rent or mortgage • How Kevin's quiet resentment built up after Samantha didn't use the housing savings to pay down debt • The real cost of their “guilt-free” spending, including $15,000/year on vacations • Why Samantha still feels broke, despite earning $148,000 a year • Samantha's fears about not meeting Kevin's expectations in retirement • The stark contrast between their savings: Samantha has one month of expenses, Kevin has six • How Samantha inherited a “spend it if you have it” mindset from her parents • Kevin's fear of loss from divorce and why he avoids fully committing financially • The role of therapy in helping them rebuild communication and trust Chapters: (00:00:00) “I'll never be financially good enough for Kevin” (00:13:39) “I feel like I have no say because he owns the house” (00:27:08) Ramit breaks down their numbers (00:37:44) “I still feel like I'm only making $50,000” (00:43:59) “Money burned a hole in my pocket” (01:03:09) “That's the bed I made and I will lie in it” (01:08:25) “Closing doors is hard…but staying stuck is harder” (01:15:59) “It's not about catching up — it's about building together” (01:37:50) Where are they now? Samantha and Kevin's follow-ups This episode is brought to you by: NetSuite | Download the CFO's Guide to AI and Machine Learning at https://netsuite.com/ramit Fabric by Gerber Life | Join the thousands of parents who trust Fabric to protect their family. Apply today in just minutes at https://meetfabric.com/ramit Gelt | Book a tax consultation with Gelt at https://joingelt.com/ramit. As a member of my community, you can skip the waitlist DeleteMe | If you want to get your personal information removed from the web, go to https://joindeleteme.com/ramit for 20% off Facet | Facet is waiving their $250 enrollment fee for new annual members, and for my audience, Facet is offering $300 into your brokerage account if you invest and maintain $5,000 within your first 90 days. Head to https://facet.com/ramit to learn more about which membership option is best for you Links mentioned in this episode • If you want help with your finances, join my Money Coaching program at https://iwt.com/moneycoaching Connect with Ramit • Get my new book, Money For Couples • Get Money Coaching with Ramit • Download the Conscious Spending Plan • Listen to my book—now on Audible • Get my New York Times best-selling book • Get my no-numbers journal • Other episodes • Instagram • Twitter • YouTube If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here.

Edward (38) and Ellen (30) live in Hawaii with their young daughter and a new baby on the way. With a net worth of over $2 million, their finances look strong on paper, but behind the scenes, their marriage is strained by control, fear, and trust issues around money. Edward manages every dollar, while Ellen has to ask for “permission” to spend, even on basic everyday items. He believes tight control protects their future, making her feel more like a child than a partner. As Edward grapples with his deep fear of losing everything, Ellen wants to step into her own financial power. Can they learn to trust each other and build a partnership where both voices are heard, or will control and fear continue to drive their financial decisions? In this episode we uncover: • Why Ellen calls their financial dynamic “like asking my dad for permission” • How Edward's fear of poverty leads to hyper-control over their money • Why Edward compares their finances to the top 1% • Ellen's $8,000 home birth decision • How Ellen avoids learning their finances to sidestep arguments • The emotional legacy of Edward's childhood poverty and Ellen's early financial security • Their definition of a “traditional marriage” • Why they fight about $20 face cream despite earning $28K/month • The weight of Edward's “provider” identity • Their Hawaii “dream home” vs. the financial pressure it created • Their shared craving for safety and control • Ellen's realization that she's been playing financial defense instead of building real skills • Edward's hope to teach their daughter financial independence Chapters: (00:00:00) “It feels like I'm asking for permission” (00:16:10) “I'm in charge of the budget” (00:23:09) “I had just come into a million dollars” (00:34:29) Ramit breaks down their numbers (00:51:41) “I don't think he trusts me at all” (00:56:49) “I will never be poor again” (01:07:01) “When do we get to live like we're wealthy?” (01:17:38) “I shrink myself to please him” (01:39:10) Where are they now? Ellen and Edward's follow-ups This episode is brought to you by: Shopify | Sign up for a $1 per month trial period at https://shopify.com/ramit Factor | Get 50% off plus free shipping on your first box at https://factormeals.com/ramit50OFF with code RAMIT50OFF Facet | Facet is waiving their $250 enrollment fee for new annual members, and for my audience, Facet is offering $300 into your brokerage account if you invest and maintain $5,000 within your first 90 days. Head to https://facet.com/ramit to learn more about which membership option is best for you ZocDoc | Download the ZocDoc app for FREE at https://zocdoc.com/ramit then find and book a top-rated doctor today #sponsored Leesa | Go to https://leesa.com for 20% off sitewide PLUS get an extra $50 off with promo code RAMIT, exclusive for my listeners Links mentioned in this episode • If you want help with your finances, join my Money Coaching program at https://iwt.com/moneycoaching Connect with Ramit • Get my new book, Money For Couples • Get Money Coaching with Ramit • Download the Conscious Spending Plan • Listen to my book—now on Audible • Get my New York Times best-selling book • Get my no-numbers journal • Other episodes • Instagram • Twitter • YouTube If you make good money but you haven't taken a real vacation in years, I want to talk to you. I'm casting couples for a special episode of the podcast. Apply this week only at iwt.com/apply.

Send us a textDr. Latifat is the author of the Amazon bestselling books Done With Broke: The Woman Physician's Guide to More Money and Less Hustle and The Power to Choose: The Woman Physician's Guide to Financial Liberation and Life on Your Terms. She is also the founder of MoneyFitMD, a financial empowerment platform designed to help women physicians achieve financial independence without sacrificing their well-being.In this episode, she breaks down the common financial mistakes that cost women physicians thousands of dollars each year. She shares how to shift from scarcity to abundance, rethink what being a “millionaire” truly means, and make smarter money decisions that actually align with your life and goals.Key Takeaways:You need more than one million to retire comfortably.Avoid letting fear and scarcity drive your money choices.Financial peace starts with clear goals and planning.Timestamps: 00:40 Why women physicians lose money02:18 The illusion of being “just fine” financially04:05 Why $1M isn't enough for doctors06:10 Overcoming the scarcity mindset08:22 Building wealth that fits your values10:30 Common money traps in medicine12:12 How fear limits financial growth14:28 Reframing wealth and success16:45 Becoming a multi-millionaire on purpose18:52 First steps to fixing your money habitsRelated Episodes:The Secret To Making Your Money Work For You!Why Women Physicians Avoid Money ConversationsYou're making six or even seven figures—and still asking, “Where did all my money go?” The problem isn't your income—it's that you haven't learned how to have money left.The Money Left Over program gives women physicians the tools to uncover 4–5 figures in extra monthly cash and finally let your money start working for you.

What do your income and your inner standards have in common? Everything.   High-earning women don't just have great strategies — they have powerful standards that shape how they price, lead, and make money.   In this episode of The Money Coach School, I'm sharing 6 inner standards that separate high-earning coaches from the ones who stay stuck. These aren't personality traits — they're choices. And the moment you raise your standard, your business shifts with it.   If you've been overgiving, undercharging, or waiting for permission to lead at a higher level — this is your wake-up call. Because your next income level isn't earned through effort. It's claimed through standards.   In this episode, I talk about:   Why high-earning coaches don't tie their income to their identity — and what they lead with instead.   How coaching becomes high-earning when you're trained to transform rather than winging it.   The exact way brave coaches raise rates and make bold offers, even with a flutter in their chest.   Why rebounding in hours (not weeks) keeps your income flowing and your confidence high.   How boundaries show up in your pricing and why discounting to feel safe blocks Overflow.   The difference between initiating from alignment versus urgency and how this shapes million-dollar decisions.   Potent coaching questions to will help you lead, price with power, and shift your income now.    ~~   For full show notes, transcript, and to check out the Courageous Coaching Certification,  click here: www.themoneycoachschoolpodcast.com/109

How good are you at "spending money"? ✅In this episode, I'm breaking down the 4-part Intentional Spending Framework I teach my clients to help them spend in a way that actually feels good, not chaotic or restrictive, but aligned and empowering. You'll learn:✅ How to align your spending with your values and life goals✅ What to ask yourself to know if a price actually feels “worth it”✅ Why overspending isn't always a mistake if it's conscious and deliberate✅ How this framework helps you stay on track financially without living in restrictionIf you've ever thought, “I just want to spend money without feeling bad about it later,” this episode is for you.Want to learn more? Book a 1:1 Money Coaching call: https://www.buildinggenwealth.com/work-with-me

Angela (31) and David (34) thought they'd built a future on $200,000 in crypto. Instead, they lost it all—and now they're living in David's childhood home with his mom. Angela dreams of traveling to Colombia to be with family, while David quietly panics about their finances. She sees every course and trip as a step toward freedom, but he sees their savings shrinking with no plan in sight. With only $4,000 in the bank and a 5-year-old to support, can they stop improvising and finally create a stable financial life of their own? In this episode we uncover: • How David blew through $200,000 in crypto • Living rent-free with David's mom • The “get rich quick” approach to debt: bankruptcy talk, unrealistic timelines, and skipped planning • Why improvising instead of planning is their default financial strategy • A $3,000 retreat vs. moving out: how conflicting priorities reveal deeper issues • The moment they see the truth in their spending • How David's mom ended up in credit card debt from supporting them • Angela's scarcity and rescue narratives from childhood • Why David avoids stress and Angela absorbs it • The cost of being “Dreamers” (big visions with no real plan) • Signs their daughter is already noticing financial stress Chapters: (00:00:00) “We have no space to breathe” (00:25:05) Ramit breaks down their numbers (00:35:12) “Our vision isn't aligned to our actions” (00:52:42) “Like mother, like daughter” (01:03:09) “Do you want major changes or minor changes?” (01:15:26) “We've never created a plan” (01:36:53) Where are they now? Angela and David's follow-ups This episode is brought to you by: Trust & Will | Protect what matters most in minutes at https://trustandwill.com/ramit and get 10% off plus free shipping. Wildgrain | Get $30 off the first box - PLUS free Croissants in every box at https://wildgrain.com/ramit SonderMind | Go to https://sondermind.com to get matched with the right therapist in less than a week Gelt | Book a tax consultation with Gelt at https://joingelt.com/ramit. As a member of my community, you can skip the waitlist DeleteMe | If you want to get your personal information removed from the web, go to https://joindeleteme.com/ramit for 20% off Links mentioned in this episode • If you want help with your finances, join my Money Coaching program at https://iwt.com/moneycoaching Connect with Ramit • Get my new book, Money For Couples • Get Money Coaching with Ramit • Download the Conscious Spending Plan • Listen to my book—now on Audible • Get my New York Times best-selling book • Get my no-numbers journal • Other episodes • Instagram • Twitter • YouTube If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here.

In this episode, host Ekaterina Popova talks with coach and author Emily Williams, founder of I Heart My Life and creator of the I Heart Money Method. Emily shares how belief fuels action, how to move through comparison and setbacks, and how simple micro upgrades can shift your relationship with abundance. This is a grounded conversation for artists and creative entrepreneurs who want growth without burnout.

Your pricing isn't just a number. It's a declaration of your identity and your authority.    Every time your chest tightens, your voice wavers, or your brain second-guesses your number mid-conversation, you're feeling the emotional wiring behind your rates. That nervous-system signal isn't a flaw - it's your power showing up, IF you know how to use it.   In this episode of The Money Coach School Podcast, I'm diving into the emotional side of pricing, because as women entrepreneurs, our emotions don't just show up. They lead. And the moment you stop resisting them and start leading them into a fully resourced direction, your pricing becomes unshakable.   Tune in to learn the four-step coaching process that will help you reset how you feel about your pricing—so you stop shrinking your number to feel safe, and start naming it with clarity, calm, and conviction.   I'll break down the most common emotional traps women fall into, the beliefs that shift how your body feels when you quote your price, and the coaching questions that help you price from power, not compromise.   In this episode, I talk about:   Why pricing triggers deep emotional patterns around identity, belonging, and safety.   How to name your current pricing emotion and consciously choose a new one that serves you.   The four-step process to reset how your pricing feels in your body.   Why emotional leadership is the next level of your pricing power.   How women unconsciously collapse their pricing in subtle but costly ways.   Key beliefs that anchor your rates in Overflow, not overthinking.   ~~   For full show notes, transcript, and to grab Kendall's free pricing guide, click here: www.themoneycoachschoolpodcast.com/108

“If I say no, they'll feel what I felt, and I can't let that happen.”I've had so many clients share this with me. They grew up hearing “we don't have money”, and now that they're parents, they find themselves saying “yes” to everything, overspending to protect their kids from the same disappointment they experienced.In this episode, I unpack what it means to parent with money wounds, why it shows up as unconscious overspending, and how to shift toward intentional choices that honor both your child and your financial goals.You'll learn:✅ Why the desire to give your kids everything can quietly sabotage your financial peace ✅ How to know when your inner child is driving your money decisions ✅ Why your kids don't need “everything”, they need your emotional presence and modeling ✅ A 4-part intentional spending framework I teach my clients to help them feel empowered, not guiltyIf you've been stuck in a cycle of spending from fear, not values, this episode will help you reclaim your role as a financially grounded parent.

Raising your prices is one thing. Keeping the profit is another.    Many coaches celebrate their price increase only to watch that extra money disappear, leaving them with the same bank balance they started with. True financial leadership isn't only about charging more. It's learning to hold more without the urge to immediately spend it.   In this episode of The Money Coach School Podcast, I'm walking you through the three most common ways women let that newfound profit slip through their fingers. Then we'll cover the three strategic moves that train your nervous system to keep money confidently. This is about stepping fully into the woman whose pricing, profits, and power all match the level of leadership you're developing within yourself, and how to keep the money your new pricing is bringing in.   In this episode, I talk about:   The 3 most common way women unconsciously collapse the gain of a price raise.   Why inflating your lifestyle, outsourcing your authority, or diluting new income with new expenses drains your Overflow.   How letting money sit untouched for 7-10 days rewires your relationship with wealth.   Why overflow happens when you decide holding money is your new standard.   How to use the power of "This money means..." statements to anchor new income into your current identity.   3 Overflow-aligned moves to hold profit with clarity, calm, and power—so your rates actually create a richer reality.   ~~   For full show notes, transcript, and to watch the free workshop, Overflow, click here: www.themoneycoachschoolpodcast.com/107

Ever feel like money just isn't clicking for you no matter how much you try to learn or how many videos you watch?In this episode, I walk you through the 4 Stages of Money Competence, a powerful framework that helps you understand where you're at, why money still feels hard, and how to move forward without giving up. Whether you're a chronic saver afraid to invest or a spender stuck in the credit card cycle, this will show you you're not broken, you're just building a skill.You'll learn:✅ What it looks like to be “unconsciously incompetent” with money and how to spot the moment that changes everything✅ Why being aware of your money habits isn't enough to build wealth (and what you need to move forward)✅ What most people get wrong about trying to “fix” debt or investing blocks✅ How to move from confusion to confidence and finally make saving, investing, and spending second nature

You've outgrown the version of you who needed to make her pricing palatable.   If your numbers still reflect who you used to be—no wonder they feel off.   In this episode of The Money Coach School, we're cutting ties with outdated pricing patterns and rewriting your rates to match the woman you've become.   You'll discover how to spot when you're still quoting numbers from an outdated version of yourself, and what it takes to set prices that hold without explaining or softening.   Because your price isn't just a number. It's a line in the sand. It's power. It's clarity. It's a declaration of who you are — and who you refuse to be anymore.   In this episode, I talk about:   Why pricing isn't just about dollars - it's an energetic expression of your self-concept.   How to know when your rates are clinging to an old identity (and how to catch up fast).   Why emotionally clear pricing creates confidence and attracts aligned clients.   4 steps to shift from pricing from fear to pricing from leadership.   Why holding your standard is the real challenge - and the real key to financial authority.   3 coaching questions that anchor your rates in power.   ~~   For full show notes, transcript, and to grab Kendall's free pricing guide, click here: www.themoneycoachschoolpodcast.com/106

You weren't meant to soften your power to make your price more palatable. You were meant to lead with it.   In this episode, we're going deep into the emotional patterns that keep even ambitious women plateaued in pricing that reflects who they used to be—instead of the identity they're stepping into now.   If you've ever padded your offer with extra bonuses “just in case,” quoted a price and felt a pang in your stomach, or stayed at the same rate a little too long—this conversation will shift everything.   Because your pricing isn't just a business decision. It's a declaration of who you're becoming.   We'll break down:   6 signs your pricing is still protecting, pleasing, or playing small.   Why even successful women shrink their numbers—and how to stop.   How patriarchal money conditioning sneaks into your offers.   Key coaching questions that reconnect you to your power.   What emotionally clean pricing actually looks and feels like.   ~~   For full show notes, transcript, and to grab Kendall's free pricing guide,  click here: www.themoneycoachschoolpodcast.com/105

From Pizza to Property: Gino Barbaro's Real Estate Journey   Join Jen Josey on the REIGN Podcast as she interviews Gino Barbaro—certified money coach, entrepreneur, and co-founder of Jake and Gino. Gino shares how he built a real estate empire with 1,800+ multifamily units and $350 million in assets under management. Discover actionable tips for leveraging social media, the power of authenticity, and essential steps for new real estate investors. Gino breaks down his three-step framework for success, the 'Cadence of Accountability,' and the keys to aligning values and partnerships in real estate. Learn strategies for raising capital, networking, and overcoming limiting beliefs. Perfect for anyone ready to accelerate their real estate journey! Episode Highlights: Leveraging social media for real estate Five actionable social media tips Gino's journey: From pizzeria owner to multifamily mogul Early investing lessons and scaling up Raising capital and networking strategies The importance of values and partnerships Money coaching and overcoming limiting beliefs Three-step framework for success Balancing family and business The BADASS acronym breakdown Timestamps: 00:00 – Introduction to REIGN and Host Jen Josey 01:00 – Today's Topic: Leveraging Social Media 01:29 – Five Actionable Social Media Tips 03:28 – Guest Intro: Gino Barbaro 07:10 – Gino's Journey: From Pizza to Property 10:01 – Early Ventures & Lessons 13:49 – Scaling Up: Steps & Partnerships 19:10 – Raising Capital & Networking 24:02 – Values in Partnerships 28:11 – Evaluating Partnerships 28:52 – Money Coaching 30:39 – Money Coaching Process 34:05 – Overcoming Limiting Beliefs 37:54 – Three-Step Framework 40:45 – Family & Business Balance 43:35 – BADASS Acronym 51:01 – Defining Success & Final Thoughts   Ready to take your real estate business to the next level? Subscribe for weekly expert interviews, actionable tips, and proven strategies. If you enjoyed the episode, leave a review and share your favorite insight!   Gino Barbaro is an investor, Certified Money Coach®, business owner, entrepreneur, & podcast  host. As an entrepreneur, he has grown his real estate portfolio to over 1,800 multifamily units  & $350,000,000 in Assets under management.   He is the best-selling author of two books: Happy Money Happy Family Happy Legacy, and Baby  Money Soldiers.” He co-founded Barbaro 360 to to empowers families to build lasting legacies through  faith, intentional living, and financial education.  He resides with his beautiful wife Julia and their six children in St. Augustine, Florida.   https://www.linkedin.com/in/gino-barbaro-03973b4b/   To learn more about Jen Josey, visit https://www.therealjenjosey.com/ To join REIGN, visit https://www.reignmastermind.com/ Stuff Jen Josey Loves: https://www.reignmastermind.com/resources Buy Jen Josey's Book: From Beginner to Badass: https://a.co/d/bstKlby Interested in growing your rental portfolio with Jen as your coach? Check out Rental Property Pro: https://rentalproppro.com/booking?am_id=reign  

Your income isn't a reflection of your effort, your talent, or even your strategy. It's a reflection of your identity.   If you're still operating from the version of you who doubts her capacity for six figures, or who unconsciously sabotages opportunities to stay “safe”, your self-concept is out of alignment with the money you're meant to create.   This week on The Money Coach School Podcast, I'm revealing a simple, four-step process to upgrade your self-concept into the million-dollar coach you're becoming.   You'll learn how to stretch your sense of what's possible, uncover the sneaky thoughts that keep you under-earning, and create powerful new bridge beliefs that collapse time between where you are now—and the Overflow you're here for.   Because when you claim your next-level self, you don't just make more money. You step into your worth, your certainty, and your power as a woman who leads with million-dollar decisions.   In this episode, I talk about:   Why self-concept governs everything about your earning potential, and how to elevate yours right now.   The four-step process to create a million-dollar self-concept.   How to create bridge thoughts that your brain can actually believe without immediately rejecting them.   Specific questions that move you from self-doubt to self-trust, no matter where you are today.   Why celebrating small wins is essential to scaling to your next income level.   How changing your self-concept can happen overnight.   ~~   For full show notes, transcript, and to explore the Overflow workshop,  click here: www.themoneycoachschoolpodcast.com/104

Episode 263. From Restaurant Owner to Real Estate with Gino Barbaro On this episode Gino Barbaro shares his journey from restaurant owner to becoming a successful real estate investor and life coach. He discusses the importance of mindset, the frameworks for success in real estate, and the impact of personal experiences on financial decisions. Gino emphasises the significance of understanding money archetypes, values-based decision making, and the role of family in business. He also touches on the challenges of modern technology and the importance of creating a legacy through happy money. *** Curious about my Accelerator

You weren't born to shrink around money - you were born to lead with it.   In this episode, I'm walking you through 10 subtle but powerful ways ambitious women unconsciously give away their money power, and the million-dollar shifts that instantly restore clarity, cash flow, and confidence.   These aren't just habits; they're the lingering residue of patriarchal conditioning that wants to keep women hesitant and under-earning.    From “just this once” discounts to deflecting your own money wins, each leak costs far more than dollars—it drains your leadership energy, momentum, and sovereignty.   Tune in to discover how to clean up your money power leaks and start leading with unapologetic pricing, authentic generosity, and sacred structure that builds real, sustainable Overflow.   In this episode, I talk about:   Why clarity with money isn't something you wait for—it's something you generate.   The hidden cost of outsourcing financial decisions to partners, coaches, or team.   The hidden cost of "just this once" discounts and undercharging.   Why avoiding your numbers makes your business feel emotionally unsafe.   The importance of normalizing your financial wins instead of deflecting them.   Why sacred structure (not hustle) creates sustainable wealth.   10 practical, identity-level shifts to stop leaking money power and start rising.   ~~   For full show notes, transcript, and to explore the Overflow workshop,  click here: www.themoneycoachschoolpodcast.com/103

If you're first gen, building wealth isn't just about you. It's about your family. Your parents who might not have retirement accounts and your kids you want to set up for success.In this episode, I break down my 2-part money roadmap for first gen wealth builders: how to protect yourself first (without shame), and how to grow wealth that supports your family's future too.You'll learn:✅ The exact 3 steps to take care of yourself first (and why that's not selfish)✅ Why saving comes before debt payoff and how it breaks the credit card cycle✅ When to start investing (even if you're still in debt)✅ How to use a brokerage account and kid accounts to care for your family's futureBook a call to join 1:1 Money Coaching: https://www.buildinggenwealth.com/work-with-me

Most women weren't taught to feel at home in their financial power.    We were told to play it safe, be grateful for “enough,” and follow rules that were never designed for us to thrive.    So it's no wonder that when money wobbles, we do too. But that ends today.   In this episode of The Money Coach School Podcast, I'm showing you what it means to become anti-fragile with money – a skill that is non-negotiable for ambitious women.    You'll learn how to lead through cash flow dips, unshakably own your worth, and stay grounded in overflow no matter what life throws your way. I'll also show you how to decouple your identity from your income, build cash-first standards that anchor you in peace and power, and use every challenge as an upgrade.   In this episode, I talk about:   Why most women wobble during financial dips - and how to rise instead.   Specific cash-first standards that create overflow at every level of income.   Why anti-fragile women lead their money (not the other way around).   How to use every challenge as a calibration tool to elevate your money power.   What it means to create safety, clarity, and confidence no matter what the numbers say.   ~~   For full show notes, transcript, and to explore the Overflow workshop,  click here: www.themoneycoachschoolpodcast.com/102

In this episode, I break down exactly where to put your money to make it work for you, not just sit in a savings account. I share how I used different accounts to generate over $10K in passive income and why learning to invest is one of the most powerful skills first gen women can learn.You'll learn:✅ The difference between “just saving” vs. actually growing your money✅ Which accounts to open based on your life goals (not just retirement)✅ How I used a brokerage account to generate $10K passively✅ Why your money should be working just as hard as you areIf you're done relying on hustle alone to get ahead, and you want your money to start pulling its weight, this episode is for you!Ally Bank: https://ally.com/referral?code=6C2Y5T2Z9G&CP=WebAppReferFriendMarcus By GS: https://www.marcus.com/share/AND-ZH7-DE9S Join 1:1 Money Coaching: https://www.buildinggenwealth.com/work-with-me

Money leaks don't start in your bank account—they start in your power.   Like that $97 offer you keep selling out of habit? Or the long-time client still on your old rate? Those aren't strategy—they're signs your business is running on outdated decisions.   In this episode of The Money Coach School, we're getting unapologetically clear about how to stop money power leaks—and how to shift into clean, confident, cash-generating leadership.   Because when you plug the leaks, you don't just keep more cash flowing into your bank account—you reclaim your power, your clarity, and your momentum.   In this episode, I talk about: How to spot the 3 emotional origins of money leaks.   Make identity-aligned decisions that create instant clarity and cash flow.   3 powerful coaching questions that ignite your cash flow today.   How to lead with Million Dollar Decisions that match the woman you are now.   ~~   For full show notes, transcript, and to explore the Overflow workshop,  click here: www.themoneycoachschoolpodcast.com/101

What if your past numbers don't get to decide your future? And they definitely don't get to dictate how you feel about yourself today.   In this week's episode of The Money Coach School, I'm showing you why tracking your numbers isn't the problem—it's how you use them. Too many high-achieving women quietly punish themselves with revenue comparisons, spiral into shame when income dips, and let spreadsheets dictate their confidence. That ends today.   We're unpacking the hidden cost of what I call the Spreadsheet Smackdown—and how to reclaim your power by leading with numbers instead of chasing them. You'll learn how to shift into making clean, forward-facing financial decisions that reflect the woman you're becoming, not the one in your rear-view mirror. Grab your notepad because you'll want to catch the coaching questions included in this episode.   In this episode, I talk about: The subtle ways women use past revenue to second-guess themselves.   Why your spreadsheet isn't the CEO—your million-dollar identity is.   The mindset shift that turns tracking into expansion instead of contraction.   Three powerful coaching questions to stop comparison and fuel bold money moves.   Why your next level starts with forward-facing numbers and future-driven leadership.   ~~   For full show notes, transcript, and to explore the Overflow workshop,  click here: www.themoneycoachschoolpodcast.com/100

In this episode of The Money Coach School Podcast, we're cracking open the truth about invisible income limits… even the ones showing up for women who are already successful.    Wondering what you're “allowed” to earn or how big is “too big?” These aren't your limits. They're cultural, generational, and gendered stories we've inherited. And if you're feeling the gap between the coach you are and the income you know you're meant for, this episode is for you.   Join me this week as I reveal the four hidden patterns that keep powerful coaches circling the same financial results… even when they know they're made for more. And more importantly, you'll hear how to start making identity-driven decisions that move you beyond hustle, beyond proving, and into a relationship with money that feels grounded, expanded, and fully yours.   Because your next level isn't about working harder - it's about making million-dollar decisions from the woman you're becoming.   This is your permission slip to stretch with joy, to rise without guilt, and to stop shrinking your ambition to fit into the box of your current results.   In this episode, I talk about:   The four most common (and sneaky) patterns that cap your income.   Why self-concept—not strategy—is the unlock to overflow.   3 identity-driven moves that get you back in your power, fast.   What it means to make million-dollar decisions versus shrink-to-fit ones.   A loving reminder that your next level doesn't require more effort—it asks for more you.   ~~   For full show notes, transcript, and to explore The Secret Energy of Money® Mastermind,  click here: www.themoneycoachschoolpodcast.com/98  

Making more money doesn't automatically mean keeping more. Maybe there's no consistent savings. Tax time feels like a scramble. Paying yourself is hit or miss. And the pressure to “just make more” is getting louder.   If you're bringing in money but you're not seeing it stack up the way you thought you would, this episode is for you.   In this episode of The Money Coach School Podcast, I'm walking you through the three levels of feminine financial freedom and showing you where most coaches silently leak money…even while growing their income.    Listen in to learn the exact money habits that shift you from reactive hustle into sustainable overflow. You'll walk away knowing what level you're in now, what your next money move is, and how to embody the identity of a woman who doesn't just make money - she keeps it, multiplies it, and builds unshakable financial power.   If you're ready to stop treating every dollar like it's temporary—and start building a financial foundation that holds, grows, and supports your freedom—this episode is for you.   In this episode, I talk about:   The 3 levels of feminine financial freedom - and how to know which one you're in right now.   Why earning more won't build wealth if you're still operating from hustle habits.   The #1 pivot that puts you in control of your money and expands your ability to retain more.   What really happens at the $100K and $300K levels that no one prepares you for.   ~~   For full show notes, transcript, and to explore The Secret Energy of Money® Mastermind,  click here: www.themoneycoachschoolpodcast.com/97

In this episode of the Jake and Gino "How-To" series, Gino Barbaro uncovers the real reasons why even experienced investors fail to get across the finish line. From lacking a clear acquisition strategy to carrying limiting beliefs about money, Gino walks you through the mindset, systems, and relationships necessary to succeed—especially in today's evolving market.Whether you're just getting started or stuck trying to scale, this episode delivers tactical advice and deep mindset shifts that will help you move forward with clarity and purpose.What You'll Learn:Why having no process or buy criteria keeps you stuck How “I'm-a do it all” thinking leads to burnout and slow progress What to focus on during tight market cycles How your subconscious money beliefs are sabotaging your success The importance of community, accountability, and delegation Want to explore your own money story?Schedule a strategy session with Gino: https://barbaro360.comSubscribe to the channel for more How-To episodes on multifamily investing, mindset, and financial freedom! We're here to help create multifamily entrepreneurs... Here's how: Brand New? Start Here: https://jakeandgino.mykajabi.com/free-wheelbarrowprofits Want To Get Into Multifamily Real Estate Or Scale Your Current Portfolio Faster? Apply to join our PREMIER MULTIFAMILY INVESTING COMMUNITY & MENTORSHIP PROGRAM. (*Note: Our community is not for beginner investors)

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

You don't need to work more—you just need to make a few smart shifts in how you approach money decisions.   In this episode of The Money Coach School—a money feminist podcast for women coaches and entrepreneurs— I'm breaking down the small, often-overlooked choices that can silently drain your revenue, limit your profit, and keep your business hovering at “just enough.”   These silent profit leaks aren't about mistakes or missteps. They're often just overlooked opportunities—like skipping an upgrade option, putting off a pricing update, or delaying an offer you're excited to share.   You'll learn how to spot these silent leaks, estimate what they might be costing you, and start making Million-Dollar Decisions: simple, everyday choices that help you make and keep more money—without working harder.   In this episode, I talk about: What a Money Power Leak is—and how to spot the ones costing you the most.   Why these leaks show up even when you're doing “everything right.”   Why simple, everyday decisions will make you more money more than hustle.   The 3 traits of high-impact, profit-conscious decision-making.   Examples of small, simple shifts to plug profit leaks and make your business more profitable.   How to calculate exactly what your money power leaks are actually costing you.   Two coaching questions to help you take your next aligned step.   ~~   For full show notes, transcript, and to explore The Secret Energy of Money® Mastermind,  click here: www.themoneycoachschoolpodcast.com/96

Money isn't waiting for you to heal. It's waiting for you to move.   In this episode of The Money Coach School—a money feminist podcast for women leaders—I'm flipping the script on traditional money work. If you've been circling your next level with journaling, mindset work, and waiting to feel “ready,” it's time for a new approach.   Inside the Secret Energy of Money mastermind, we don't wait for blocks to clear before we act. We move first—raising prices, making bold offers, claiming our value—and coach through what comes up in real time.   Tune in to discover why it's not your healing that's holding back your income—it's the hesitation.   You'll hear how powerful women coaches are building wealthy identities through aligned action—and how money coaching becomes your edge to increasing your income, instead of waiting.   In this episode, I talk about: How reversing the healing loop and leading with aligned action can unlock your next income level.   The simple shift from overthinking to intentional movement that rewires your financial identity.   A behind-the-scenes story of how one client called in $18K in 48 hours by acting before she felt fully “ready”.   Why bold, stretch-money goals expand your opportunities and open new levels of possibility to increase your income.   How real momentum is created when money coaching is paired with decisive movement—not just mindset work alone.   ~~   For full show notes, transcript, and to explore The Secret Energy of Money mastermind, click here: www.themoneycoachschoolpodcast.com/95

Scrappy hustle may have helped you start your coaching business… but it's not going to take you toward your next level of income.   Instead, I'm showing you what it really takes to shift from hustle to sustainable, profitable overflow.    These are the four powerful money leadership shifts that move you out of reactive survival energy and into calm, strategic expansion, no matter what your current income looks like.   Whether you're making your first few thousand dollars or already seeing $10K+ months, this episode will show you why it's imperative that you stop waiting for more money, to start building sustainable, next-level income.   Because money doesn't need you to be perfect. Money needs your presence, your decisions, and your leadership. And that starts now! If you're ready to finally stop spinning and start expanding with clarity, simplicity, and profit, this episode is for you.   In this episode, I talk about:   How hustle energy creates profit leaks and money anxiety at every income level.   Why financial leadership is an entry-level requirement for reaching your next income goal.   What the switch from scarcity to empowered money stewardship looks like.   How your money language creates (or limits) your financial reality.   Why financial leadership isn't a future goal, but a now decision that opens the door to overflow.   ~~   For full show notes, transcript, and to explore my NEW *FREE* workshop: OVERFLOW: The Key to Unlocking Your Million Dollar Business, click here: www.themoneycoachschoolpodcast.com/94

The fluffy gratitude journaling from the 90s? We've evolved.   This is Million Dollar Gratitude—a powerful strategy that rewires your relationship with money, reshapes your mindset, and creates emotional wealth long before the next sale hits your Stripe account.   When the economy feels wobbly and you want to see a little more lightness in the world, you need identity-grounded gratitude that turns your nervous-system noise into rock-solid money peace. This isn't about toxic positivity—it's about money power.   This is a money feminist podcast, and in true money feminist fashion, I walk you through 8 practical exercises I rely on to grow expansively, even when circumstances contract.   These help you transform your money relationship into overflow—even when things feel uncertain.   You'll learn 8 powerful gratitude strategies I use to expand my business and income, even when the world feels like it's contracting.   In this episode, I share:   How to anchor gratitude in your identity.   A simple, 1-minute practice that trains your brain to scan for power instead of problems.   How to audit your ‘mental wealth' and recognize assets no one can take from you.   Why pairing gratitude with income-generating action creates magnetic energy.   5 money-memory receipts that prove you've done hard things—and can do them again.   ~~   For full show notes, transcript, and to explore Secret Energy of Money, click here: www.themoneycoachschoolpodcast.com/93

Money is emotional—and for women coaches, that's not a flaw. It's your leadership edge. But when emotion starts driving your pricing, offers, or income decisions? That's when it gets costly.   This is a money feminist podcast for women entrepreneurs, and today, I break down for you what it means to be ‘money clean'. Not emotionless, but grounded, present and clear.   You'll learn how to spot when money emotions are running the show—and how to clean up your money energy in real time.   I'll walk you through 3 telltale signs that money decisions are influencing your decisions and share the exact practice I teach inside Secret Energy of Money to help you coach with clarity instead of chaos.   This is a core episode for any woman offering money coaching—and a must-listen if you're ready to lead with power, not pressure.   Money Coaching Key Takeaways: 3 signs emotion is quietly hijacking your money decisions.   Why discounting or overdelivering weakens your value and can sabotage your pricing integrity.   My 2-question “money clean” coaching practice you can use instantly to coach through doubts and scarcity.   How to offer transformative money coaching without taking on your client's emotions.   Why being “money clean” is a non-negotiable if you're serious about sustainable income and premium clients.   ~~   For full show notes, transcript, and to explore Secret Energy of Money, click here: www.themoneycoachschoolpodcast.com/92

 Choosing the right real estate agent can make the process smoother, less stressful, and more financially aligned with your goals—especially as a first-gen. You deserve someone who will advocate for you, not just close a deal.In this episode of the First Gen Home Buyer Series, we break down:The difference between a buyer's agent and seller's agentHow realtors actually get paid (and why it matters for you)Why loyalty to one agent matters—and when it's okay to walk away5 must-ask interview questions before committing to a realtorHow to spot a good agent who will protect your peace and your money1:1 Money Coaching: 1:1 is a money & investing coaching program for first gen WOC who want to financially prepare to buy their first or next home. Inside 1:1, we'll map out the best strategy to set a house budget, save for a downpayment by investing and set you up to have the best credit to get the most competitive mortgage. ⁠⁠Book a free call her to learn more about 1:1 money coaching.

If you're a first gen homebuyer starting your journey, this episode breaks down exactly what a mortgage is—and how to choose the best one for your financial situation.You'll learn:What a mortgage really includes (spoiler: it's more than just the loan)The 3 most common types of mortgages: Conventional, FHA, and VA/USDA loansThe difference between PMI and MIP—and why it mattersHow to compare banks, online lenders, and brokers (without getting overwhelmed)Whether you're early in your credit journey or ready to buy in the next year, this episode will help you feel confident navigating one of the biggest financial decisions of your life.1:1 Money Coaching: 1:1 is a money & investing coaching program for first gen WOC who want to financially prepare to buy their first or next home. Inside 1:1, we'll map out the best strategy to set a house budget, save for a downpayment by investing and set you up to have the best credit to get the most competitive mortgage. ⁠⁠Book a free call her to learn more about 1:1 money coaching.

The reason you haven't bought your ticket for OFFER LUXE LAB yet is because you think ⬇️ “Sure.. my offer could probably be a little better but what I REALLY need to hit those $10K months is more eyeballs on my content.” Unless the only people who follow you are your mom & your best friend, then respectfully, you couldn't be more wrong. Inside this episode I'm going to tell you WHY you don't need a bigger audience to make more sales & HOW to do it.   Xoxo, Camie   3 DAYS LEFT ⏰to get your ticket for OFFER LUXE LAB.   OFFER LUXE LAB

When the topic of money comes up with a client, do you lean in with power… or pull back, wondering if you're “qualified” to go there?   In this episode, I'm debunking the myth that you have to be flawless with money before you can coach on it.   Because money coaching isn't about perfection. It's about identity, boundaries, values, and self-trust; helping women shift how they see themselves in relationship to money.   Tune in to learn why your current money story is not a liability and why avoiding money conversations isn't serving your clients, confidence, or income.    This is your invitation to coach boldly, create deeper client breakthroughs, and step fully into your power when coaching on money.   In this episode, I share:   Why your current money situation doesn't disqualify you from coaching on money.   How money coaching is really about self-worth and identity, not numbers on a spreadsheet.   5 insights that support you in leading money conversations with confidence.   How coaching on money accelerates your personal growth.   Why premium clients are ready to pay for powerful money shifts.   ~~   For full show notes, transcript, and to explore Sacred Money Archetypes®, click here: www.themoneycoachschoolpodcast.com/91

Let's be honest—circling decisions and stretching timelines doesn't create cashflow. The pace you set in your coaching business directly shapes your income, your leadership, and your freedom.   Do you need money peace or money velocity? Both are powerful, when you choose them intentionally.   You'll hear how to recognize which strategy your business needs in this season, how to use time as a container instead of a trap, and why staying in indecision is what really holds you back from profit.    This is the cornerstone of alignment, truth, and making premium-level moves that reflect the coach you're becoming.   If you've been circling your next step or holding back, this episode is your clarity.   Because money doesn't respond to waiting—it responds to leadership.   In this episode, I talk about:   How to choose between money peace and money velocity based on your season of business.   Why removing time pressure isn't always the answer to growing your income or impact.   How velocity cuts decision clutter and creates faster cash.   Why peace isn't passive, and hustle isn't always the answer.   The mindset shift that unlocks premium pricing and real traction.   ~~   For full show notes, transcript, and to explore my most popular free workshop, COACHING EDGE, click here: www.themoneycoachschoolpodcast.com/90

If you've ever made an investment that didn't pan out—or you've second-guessed why money spent on your business isn't translating into revenue—this episode is here to help you clean it up and call your power back.   Because every dollar you spend is shaping your income, your identity, and your sense of freedom as a coach.   In this episode I'm giving you 4 better money decisions that will move you from emotional spending into empowered investing—plus 5 self-coaching questions to help you make aligned, strategic, and profitable choices going forward.   Whether you're new to coaching or scaling to your next six figures, when you adopt the approach that every dollar invested in your business has a job, your business starts compounding results.   This is how you treat every money decision as a declaration of who you're becoming—and build a coaching business that feels as powerful as it is profitable.   In this episode, I talk about:   Why choosing strategy over surface-level branding is the smartest way to grow a coaching business that actually makes money.   How to spot mentorship that challenges your thinking, sharpens your coaching, and stretches you into your next income level.   How to use the “money, momentum, or mastery” filter to make faster, cleaner spending decisions—without second-guessing.   5 self-coaching questions to help you stop impulse buying and start investing with clarity, confidence, and self-trust.   How to ditch emotional spending loops and make braver, more profitable money moves that align with the coach you're becoming.   ~~ For full show notes, transcript, and to explore the Courageous Coaching® Certification, click here: www.themoneycoachschoolpodcast.com/89

In this powerful how-to episode, Gino Barbaro—co-founder of Jake & Gino and experienced real estate investor—shares five of the most common mistakes that cause multifamily investors to fail. Drawing from personal setbacks and coaching hundreds of students, Gino unpacks key pitfalls including poor deal analysis, misjudged renovation costs, emotional decision-making, and more.This is Part 1 of a two-part series covering the Top 10 Multifamily Mistakes—so be sure to subscribe and catch next week's follow-up.Resources mentioned:https://www.wheelbarrowprofits.com https://www.barbaro360.com We're here to help create multifamily entrepreneurs... Here's how: Brand New? Start Here: https://jakeandgino.mykajabi.com/free-wheelbarrowprofits Want To Get Into Multifamily Real Estate Or Scale Your Current Portfolio Faster? Apply to join our PREMIER MULTIFAMILY INVESTING COMMUNITY & MENTORSHIP PROGRAM. (*Note: Our community is not for beginner investors)

Episode 324 shares personal finance tips for Gen X,  featuring Deborah Johnson Miranda of Bee Money Coaching. Listen now!Deborah Johnson Miranda is a Latina money coach with ADHD who didn't take her finances seriously until she faced bankruptcy (twice) and the possibility of foreclosure.At her lowest point, she knew things had to change. She knows firsthand the challenges of overcoming financial trauma and the effects your physical and mental health have on your finances.Now, she guides people into believing in themselves and that no matter your age, it's never too late to start saving for the future to ensure long-term financial success.For full episode show notes, visit here.Watch the full interview on our YouTube channel! Subscribe here.My new book is officially available to buy! Order Financially Lit! Today!Want to join our signature programs? Click here to learn more!Check out this YQD™ Sponsor:BetterHelp—Professional support when you need it, at a fraction of the cost of in-person therapy. Get 10% off your first month with our sponsor: https://betterhelp.com/dinero. Become a member at https://plus.acast.com/s/YoQuieroDinero. Hosted on Acast. See acast.com/privacy for more information.