Healthy Wealthy Roots: Recent Episodes
Traci Williams
A podcast about financial wellness, mental health, and parenthood.
Created by licensed psychologist Dr. Traci, a black, immigrant, queer mama, especially for people who look and/or love like she does.
Thank you for growing with Healthy Wealthy Roots and I hope to see you again soon.
Follow the IG page to catch me in the Spring!
Dr. Traci is a licensed psychologist, specialized in child, adolescent, and family psychology. She is interested in financial health, mental wellness, and creating healthy future generations.
Website: www.healthywealthyroots.org
IG: healthywealthyroots
Send in a voice message: https://anchor.fm/healthywealthyroots/message
Social psychology and marketing help companies convince you to spend money. I'll outline some of the psychological techniques brands and companies use. I'll also describe ways you can be a healthier consumer.
Dr. Traci is a licensed psychologist, specialized in child, adolescent, and family psychology. She is interested in financial health, mental wellness, and creating healthy future generations.
Website: www.healthywealthyroots.org
IG: healthywealthyroots
Send in a voice message: https://anchor.fm/healthywealthyroots/message
Parents are having a particularly difficult time juggling their various roles during this pandemic, and it is taking a toll on their mental health. In this episode, I'll share some of the recent stats so you'll see you're not alone. I'll also describe ways you can take care of your mental health.
Mentioned in this episode:
National Suicide Prevention Lifeline. Available 24 hours. Languages: English, Spanish. 800-273-8255
The Atlantic- COVID Parenting Has Passed the Point of Absurdity
CDC- Mental Health Among Parents of Children Aged <18 Years and Unpaid Caregivers of Adults During the COVID-19 Pandemic
Mental Health America- Take a Mental Health Test
SAMHSA’s National Helpline is a free, confidential, 24/7, 365-day-a-year treatment referral and information service (in English and Spanish) for individuals and families facing mental and/or substance use disorders. 1-800-662-4357
Healthy Wealthy Roots- Starting therapy
Dr. Traci is a licensed psychologist, specialized in child, adolescent, and family psychology. She is interested in financial health, mental wellness, and creating healthy future generations.
Website: www.healthywealthyroots.org
IG: healthywealthyroots
Send in a voice message: https://anchor.fm/healthywealthyroots/message
Most people find it difficult to share their thoughts or feelings with others. It can be especially difficult to share with people closest to you. But those are the people who need to hear from you the most. In this episode, I'll share how our brains get in the way of our ability to communicate, and the simple steps you can take to have hard conversations.
Pro tips: Figure out the best time and place. Try to talk face to face. Be brief and direct. Use "I" statements. Take a break if necessary. And remember they won't necessarily agree. But it sure feels good to get it out.
Dr. Traci is a licensed psychologist, specialized in child, adolescent, and family psychology. She is interested in financial health, mental wellness, and creating healthy future generations.
Website: www.healthywealthyroots.org
IG: healthywealthyroots
Send in a voice message: https://anchor.fm/healthywealthyroots/message
On this episode, I’ll outline 10 tips to help foster your kids’ empathy. Caring and empathy are important traits that can be learned. Help the kids in your life become empathic people. The world could definitely use more kindness.
Websites mentioned: 5 Tips for Cultivating Empathy https://mcc.gse.harvard.edu/resources-for-families/5-tips-cultivating-empathy
9 ways to show empathy when your child is struggling https://www.understood.org/articles/en/9-ways-to-show-empathy-when-your-child-is-struggling
Ages & Stages: Empathy https://www.scholastic.com/teachers/articles/teaching-content/ages-stages-empathy/
Dr. Traci is a licensed psychologist, specialized in child, adolescent, and family psychology. She is interested in financial health, mental wellness, and creating healthy future generations.
Website: www.healthywealthyroots.org IG: healthywealthyroots
Send in a voice message: https://anchor.fm/healthywealthyroots/message
Don't just wish to have better finances this year! Actually create a plan and reward yourself along the way. In this episode, I outline all the ways you can improve your financial health over the year. Check out the Library tab on the website for more financial education.
Dr. Traci is a licensed psychologist, specialized in child, adolescent, and family psychology. She is interested in financial health, mental wellness, and creating healthy future generations.
Website: www.healthywealthyroots.org
IG: healthywealthyroots
Send in a voice message: https://anchor.fm/healthywealthyroots/message
As we roll into a new year, I wanted to share with you ten ways you can take care of yourself. Here's to our physical, mental, and emotional health in 2022.
Dr. Traci is a licensed psychologist, specialized in child, adolescent, and family psychology. She is interested in financial health, mental wellness, and creating healthy future generations.
Website: www.healthywealthyroots.org
IG: healthywealthyroots
Send in a voice message: https://anchor.fm/healthywealthyroots/message
This holiday weekend, my donor-conceived toddler son and I visited four of his donor siblings and their family for the first time. His siblings' mom was previously featured on the podcast, sharing her journey as a single mother by choice. This is a laid back episode sharing how our meeting went, as well as some of my tips.
Other episodes mentioned:
Having a Baby On Your Own (Single Mom By Choice)
Our Kids Are Donor Siblings
Travel Tips for Single Parents
Travel Hacking for Beginners
Book recommendation: I've Got Dibs!: A Donor Sibling Story
Dr. Traci is a licensed psychologist, specialized in child, adolescent, and family psychology. She is interested in financial health, mental wellness, and creating healthy future generations.
Website: www.healthywealthyroots.org
IG: healthywealthyroots
Send in a voice message: https://anchor.fm/healthywealthyroots/message
We've entered the holiday season as the year begins winding down. This can be a stressful, emotional time. I wanted to sit with you and share practical tips for getting through this period, mental health intact.
Resources mentioned on this episode are available here.
Dr. Traci is a licensed psychologist, specialized in child, adolescent, and family psychology. She is interested in financial health, mental wellness, and creating healthy future generations.
Website: www.healthywealthyroots.org
IG: healthywealthyroots
Send in a voice message: https://anchor.fm/healthywealthyroots/message
One of the things I do often is listen to people who are apprehensive about taking medication and address their concerns. I wanted to share my take on medication, the potential pros and cons, as well as advice for anyone who may be apprehensive.
Ultimately, please follow the guidance of your medical provider.
Links mentioned:
Mental Health Medications
I don’t want to go to therapy!
My friend/family member doesn’t want medication or therapy. What can I do?
Dr. Traci is a licensed psychologist, specialized in child, adolescent, and family psychology. She is interested in financial health, mental wellness, and creating healthy future generations.
Website: www.healthywealthyroots.org
IG: healthywealthyroots
Send in a voice message: https://anchor.fm/healthywealthyroots/message
Once you understand the basics about personal finance, it's time to level up. I'll describe how to start with your dreams and goals, and then use practical steps to take your personal finances to the next level.
Dr. Traci is a licensed psychologist, specialized in child, adolescent, and family psychology. She is interested in financial health, mental wellness, and creating healthy future generations.
Website: www.healthywealthyroots.org
IG: healthywealthyroots
Send in a voice message: https://anchor.fm/healthywealthyroots/message
People are opinionated and often, choice parents are subjected to the opinions of others. This can make for awkward and even painful situations. How do you navigate having someone you love disagree with your choice? When do you explain, or not explain, your family dynamic when asked by strangers? I'll share my perspective and experience.
Dr. Traci is a licensed psychologist, specialized in child, adolescent, and family psychology. She is interested in financial health, mental wellness, and creating healthy future generations.
Website: www.healthywealthyroots.org
IG: healthywealthyroots
My journey to becoming a SMBC: https://podcasts.apple.com/podcast/having-a-baby-on-your-own-single-mom-by-choice/id1528969516?i=1000496062112
Therapists who understand the Choice Mom journey: http://www.choicemoms.org/therapists_who_understand_the_choice_mom_journey/
Find a Fertility therapist: https://www.psychologytoday.com/us/therapists/infertility
Send in a voice message: https://anchor.fm/healthywealthyroots/message
You can travel for less or even nothing at all by travel hacking! This involves using various strategies to reduce the cost of your trips. I'll explain the basics of travel hacking and provide personal finance pointers to remember. Get out there and see the world!
Get full show notes and more information here: https://www.healthywealthyroots.org/ep71
Dr. Traci is a licensed psychologist, specialized in child, adolescent, and family psychology. She is interested in financial health, mental wellness, and creating healthy future generations.
Website: www.healthywealthyroots.org
IG: healthywealthyroots
Send in a voice message: https://anchor.fm/healthywealthyroots/message
If you like to live a predictable life, have been described as bossy/demanding/controlling, or struggle with unpredictability, this episode is for you. I’ll describe how the need for control is related to fear and anxiety. There are simple ways to let go a little. It’ll improve your health and relationships. Dr. Traci is a licensed psychologist, specialized in child, adolescent, and family psychology. She is interested in financial health, mental wellness, and creating healthy future generations. Website: www.healthywealthyroots.org IG: healthywealthyroots
Send in a voice message: https://anchor.fm/healthywealthyroots/message
There's a fascination about therapy and therapists. I think that's partly because therapists don't share much, if anything, about themselves. Also, the media has painted a picture of the profession that is definitely incomplete. In this episode, I'll share some stories about therapists from inside the profession.
Dr. Traci is a licensed psychologist, specialized in child, adolescent, and family psychology. She is interested in financial health, mental wellness, and creating healthy future generations.
Website: www.healthywealthyroots.org
IG: healthywealthyroots
Clubhouse: hwr
Send in a voice message: https://anchor.fm/healthywealthyroots/message
There are several reasons I've heard for people's hesitance around investing. The big ones are not wanting to "lose" their money, not knowing how to invest, and not knowing what investing choices to make. Your feelings are valid. At the same time, if you want to get into investing, tackling that fear should include educating yourself on investments, starting small, and not putting all your eggs into one basket. I discuss the market, the neurology of fear, and tangible steps to get started. Check out the website for more resources.
Dr. Traci is a licensed psychologist, specialized in child, adolescent, and family psychology. She is interested in financial health, mental wellness, and creating healthy future generations.
Website: www.healthywealthyroots.org
IG: healthywealthyroots
Clubhouse: hwr
Send in a voice message: https://anchor.fm/healthywealthyroots/message
Budgets have quite a reputation, however if you want to pay off debt, budgets can be really helpful. I don't think my debt payoff would have been as efficient without budgeting. I'll describe how I budget and how my zero-based budget helps me know how much money can be put towards my debt payoff each month.
Dr. Traci is a licensed psychologist, specialized in child, adolescent, and family psychology. She is interested in financial health, mental wellness, and creating healthy future generations.
Website: www.healthywealthyroots.org
IG: healthywealthyroots
Clubhouse: hwr
Send in a voice message: https://anchor.fm/healthywealthyroots/message
Join me as I revisit my donor's profile for the first time in three years. If you are considering using a donor on your parenthood journey, my decision making may help. Ultimately, it came down to the fact that we share similar values. I still think I picked the right person.
Dr. Traci is a licensed psychologist, specialized in child, adolescent, and family psychology. She is a single mother by choice. Her interests are financial health, mental wellness, and creating healthy future generations.
Website: www.healthywealthyroots.org
IG: healthywealthyroots
Clubhouse: hwr
Send in a voice message: https://anchor.fm/healthywealthyroots/message
As the pandemic continues raging on, I wanted to share what worked for me when my toddler son and I recently quarantined at home for two weeks. What helped most was mentally focusing on getting through half a day at a time since naps still split up our days. Apart from that, deliveries to the house, outdoor space, and a small stash of toys to ration out got us through. Those are all privileges I acknowledge. Remember, this is an emotional and stressful experience. Rely on your supports. That support was invaluable as well.
Dr. Traci is a licensed psychologist, specialized in child, adolescent, and family psychology. She is interested in financial health, mental wellness, and creating healthy future generations.
Website: www.healthywealthyroots.org
IG: healthywealthyroots
Clubhouse: hwr
Send in a voice message: https://anchor.fm/healthywealthyroots/message
I'm sharing my thoughts, successes, and tips after my first year in the financial independence retire early (FIRE) community.
Dr. Traci is a licensed psychologist, specialized in child, adolescent, and family psychology. She is interested in financial health, mental wellness, and creating healthy future generations.
Website: www.healthywealthyroots.org
IG: healthywealthyroots
Clubhouse: hwr
Send in a voice message: https://anchor.fm/healthywealthyroots/message
Unfortunately, we're not all Beyonce. Yes, we have all 24 hours in a day, but figuring out how to accomplish it all in that time is hard! On this episode, I'll share some tips to help you figure out how to split up your time so you can live the life you want.
Dr. Traci is a licensed psychologist, specialized in child, adolescent, and family psychology. She is interested in financial health, mental wellness, and creating healthy future generations.
Website: www.healthywealthyroots.org
IG: healthywealthyroots
Clubhouse: hwr
Send in a voice message: https://anchor.fm/healthywealthyroots/message
Do you remember where your last raise/bonus went? Do you wish you handled it differently? Financial health involves giving your money a plan. Otherwise, it just goes wherever it wants and you're left scratching your head. In this episode, I'll cover inflation, talk about why we feel we need to keep upgrading our possessions, and outline all the financial buckets that deserve a piece of your raise.
Dr. Traci is a licensed psychologist, specialized in child, adolescent, and family psychology. She is interested in financial health, mental wellness, and creating healthy future generations.
Website: www.healthywealthyroots.org
IG: healthywealthyroots
Clubhouse: hwr
Send in a voice message: https://anchor.fm/healthywealthyroots/message
Parenting is often stressful and as a single mother by choice, that stress falls squarely on my shoulders. This is a normal part of the process of parenting, so try not to beat up yourself if you feel stressed. I'll outline the ways that I try to manage my own stress as a single mama.
Dr. Traci is a licensed psychologist, specialized in child, adolescent, and family psychology. She is interested in financial health, mental wellness, and creating healthy future generations.
Website: www.healthywealthyroots.org
IG: healthywealthyroots
Clubhouse: hwr
Send in a voice message: https://anchor.fm/healthywealthyroots/message
Do you understand how you got your credit score? Are you wanting to improve your credit? Once I understood the game, I improved my own score significantly. I'll break down the system for you and I've provided a ton of resources linked on the website.
Dr. Traci is a licensed psychologist, specialized in child, adolescent, and family psychology. She is interested in financial health, mental wellness, and creating healthy future generations.
Website: www.healthywealthyroots.org
IG: healthywealthyroots
Clubhouse: hwr
Send in a voice message: https://anchor.fm/healthywealthyroots/message
Keeping track of your spending, savings goals, and all things money might sound daunting, or even boring. Why not make it fun instead? Set a weekly/monthly/quarterly date to go over your finances! Remember, you are the Chief Financial Officer of your life. I'll share how I go on money dates as well.
Dr. Traci is a licensed psychologist, specialized in child, adolescent, and family psychology. She is interested in financial health, mental wellness, and creating healthy future generations.
Website: www.healthywealthyroots.org
IG: healthywealthyroots
Clubhouse: hwr
Send in a voice message: https://anchor.fm/healthywealthyroots/message
I'm a big fan of using time out, not only for kids, but also for myself. It's great to unplug, decompress, and tune inward to analyze before tackling an issue. I'll explain how. Also, I'm giving an update on where I've been these last couple weeks.
Dr. Traci is a licensed psychologist, specialized in child, adolescent, and family psychology. She is interested in financial health, mental wellness, and creating healthy future generations.
Website: www.healthywealthyroots.org
IG: healthywealthyroots
Clubhouse: hwr
Send in a voice message: https://anchor.fm/healthywealthyroots/message
Every parent wants their child to be "well behaved", but children have their own agendas! Especially for young children navigating a new world full of restrictions, it can be difficult. I'll share tips on helping your child follow your directions and regulate their emotions. Dr. Traci is a licensed psychologist, specialized in child, adolescent, and family psychology. She is interested in financial health, mental wellness, and creating healthy future generations. Website: www.healthywealthyroots.org IG: healthywealthyroots Clubhouse: hwr
Send in a voice message: https://anchor.fm/healthywealthyroots/message
I'm working my way to debt freedom. I'll outline everything I have done to contribute to my payments, including how I cut costs, got creative with gifts, and use rewards programs. My biggest secret weapons have been zero-based budgeting and using sinking funds for upcoming major expenses. In a few months, I'll have given myself a permanent raise by becoming debt free, and plan to focus on increasing my saving, investing, and donations to charity.
Dr. Traci is a licensed psychologist, specialized in child, adolescent, and family psychology. She is interested in financial health, mental wellness, and creating healthy future generations.
Website: www.healthywealthyroots.org
IG: healthywealthyroots
Clubhouse: hwr
Send in a voice message: https://anchor.fm/healthywealthyroots/message
Did you know that there is psychology involved in the design of credit cards? And that someone's job is to create your bank account webpage in a way that makes you spend more? I'll explain how interest rates work, how credit cards trick us all, and how to be a responsible credit card user.
Dr. Traci is a licensed psychologist, specialized in child, adolescent, and family psychology. She is interested in financial health, mental wellness, and creating healthy future generations.
Website: www.healthywealthyroots.org
IG: healthywealthyroots
Clubhouse: hwr
Send in a voice message: https://anchor.fm/healthywealthyroots/message
With long work hours, demanding family responsibilities, and pressure to engage in self care, it can seem overwhelming trying to strike a balance. Being able to take care of yourself and everything on your plate requires regularly checking in, reprioritizing, and making changes. It's actual a continuous cycle. I'll break down how to tinker with your systems so you run more smoothly.
Dr. Traci is a licensed psychologist, specialized in child, adolescent, and family psychology. She is interested in financial health, mental wellness, and creating healthy future generations.
Website: www.healthywealthyroots.org
IG: healthywealthyroots
Clubhouse: hwr
Send in a voice message: https://anchor.fm/healthywealthyroots/message
Here’s the ultimate checklist for adulting financially! I cover everything from budgeting, saving, and investing. Get more responsible with your money. Future you will thank you.
Dr. Traci is a licensed psychologist, specialized in child, adolescent, and family psychology. She is interested in financial health, mental wellness, and creating healthy future generations.
Website: www.healthywealthyroots.org
IG: healthywealthyroots
Clubhouse: hwr
Send in a voice message: https://anchor.fm/healthywealthyroots/message
Single parents deserve family vacations too! It is a little harder with one brain managing the operation and one pair of hands to pack and carry all the things, but it is definitely doable. Here are some tips and tricks from a single mother by choice. Check out the website for more.
Dr. Traci is a licensed psychologist, specialized in child, adolescent, and family psychology. She is interested in financial health, mental wellness, and creating healthy future generations.
Website: www.healthywealthyroots.org
IG: healthywealthyroots
Clubhouse: hwr
Send in a voice message: https://anchor.fm/healthywealthyroots/message
If you woke up tomorrow at peace with your money, what would be different? I offer practical steps to get there. Check out the website for more details and resources.
Dr. Traci is a licensed psychologist, specialized in child, adolescent, and family psychology. She is interested in financial health, mental wellness, and creating healthy future generations.
Website: www.healthywealthyroots.org
IG: healthywealthyroots
Clubhouse: hwr
Send in a voice message: https://anchor.fm/healthywealthyroots/message
I'm back from a two week break. In this episode, I'm reintroducing myself to the new listeners and providing podcast updates. Thanks for growing with me!
Dr. Traci is a licensed psychologist, specialized in child, adolescent, and family psychology. She is interested in financial health, mental wellness, and creating healthy future generations.
Website: www.healthywealthyroots.org
IG: healthywealthyroots
Clubhouse: hwr
Send in a voice message: https://anchor.fm/healthywealthyroots/message
Paint, mud, play-doh, oh my! Yes, kids love getting messy. But did you know that messy play is important for child development? I'll explain how, as well as ways you can keep your sanity at the same time.
Dr. Traci is a licensed psychologist, specialized in child, adolescent, and family psychology. She is interested in financial health, mental wellness, and creating healthy future generations.
Website: www.healthywealthyroots.org
IG: healthywealthyroots
Clubhouse: hwr
Send in a voice message: https://anchor.fm/healthywealthyroots/message
The paycheck-to-paycheck cycle has significant impacts on physical, financial, and mental health. That said, there are several factors that contribute to this cycle, including systemic inequalities. If I had my way, many people would make a lot more and/or the cost of living would match people's pay. In this episode, I'll outline a two-stage approach to bring this cycle to an end. Knowing what your financial responsibilities are and reducing your expenses will allow more room to save and pay off debt. It can take a while, but future you will be grateful.
Dr. Traci is a licensed psychologist, specialized in child, adolescent, and family psychology. She is interested in financial health, mental wellness, and creating healthy future generations.
Website: www.healthywealthyroots.org
IG: healthywealthyroots
Clubhouse: hwr
Send in a voice message: https://anchor.fm/healthywealthyroots/message
You’re not alone in feeling anxious about the world reopening. We’ve been told for a year that other people can make us sick. I outline ways to manage your anxiety, including having a game plan for outings, deep breathing exercises, and planning for this reopening phase to take a while. Follow the guidance of the CDC by visiting cdc.gov Dr. Traci is a licensed psychologist, specialized in child, adolescent, and family psychology. She is interested in financial health, mental wellness, and creating healthy future generations. Website: www.healthywealthyroots.org IG: healthywealthyroots Clubhouse: hwr
Send in a voice message: https://anchor.fm/healthywealthyroots/message
It can be uncomfortable and downright daunting to bring up conversations about money with your loved ones and friends. But, it does not have to be. I will outline psychological techniques that help keep the stress levels down and the conversation on track. It is important to be able to talk about money and these techniques can help.
Dr. Traci is a licensed psychologist, specialized in child, adolescent, and family psychology. She is interested in financial health, mental wellness, and creating healthy future generations.
Website: www.healthywealthyroots.org
IG: healthywealthyroots
Clubhouse: hwr
Send in a voice message: https://anchor.fm/healthywealthyroots/message
If this has been a struggle for you, you may be familiar with the dread, anxiety, guilt, or even shame you feel after you've said 'yes' to a request you don't actually want to do. I'll outline why you might be doing this and simple steps you can take towards saying 'no'. Begin taking better care of yourself.
Dr. Traci is a licensed psychologist, specialized in child, adolescent, and family psychology. She is interested in financial health, mental wellness, and creating healthy future generations.
Website: www.healthywealthyroots.org
IG: healthywealthyroots
Clubhouse: hwr
Send in a voice message: https://anchor.fm/healthywealthyroots/message
In this episode, I outline how to first contact a therapist you're interested in working with, as well as the things you may expect to happen leading up to your first session. Therapists do things differently, so your experience may vary. Check out the website and click on the 'Starting Therapy' tab for more information and resources.
Dr. Traci is a licensed psychologist, specialized in child, adolescent, and family psychology. She is interested in financial health, mental wellness, and creating healthy future generations.
Website: www.healthywealthyroots.org
IG: healthywealthyroots
Clubhouse: hwr
Send in a voice message: https://anchor.fm/healthywealthyroots/message
Destinee and I both used the same donor to conceive our children. She is a single mother by choice with toddler twins and another set on the way. On Episode 18, I talked about my journey to becoming a single mom by choice and Destinee is here on this episode to share her journey.
Dr. Traci is a licensed psychologist, specialized in child, adolescent, and family psychology. She is interested in financial health, mental wellness, and creating healthy future generations.
Website: www.healthywealthyroots.org
IG: healthywealthyroots
Clubhouse: hwr
Send in a voice message: https://anchor.fm/healthywealthyroots/message
Staying the course can be hard! Especially when you have competing messages that make you think you're missing out on the fun other people seem to be having. Improve your financial discipline by automation, accountability, and tailoring your access.
Dr. Traci is a licensed psychologist, specialized in child, adolescent, and family psychology. She is interested in financial health, mental wellness, and creating healthy future generations.
Website: www.healthywealthyroots.org
IG: healthywealthyroots
Clubhouse: hwr
Send in a voice message: https://anchor.fm/healthywealthyroots/message
Do you even remember the new year's resolutions you set? I'll be honest; I haven't visited my vision board since I made it. Well, we've got 9 months left in the year. Here are some guidelines to get you back on track.
Dr. Traci is a licensed psychologist, specialized in child, adolescent, and family psychology. She is interested in financial health, mental wellness, and creating healthy future generations.
Website: www.healthywealthyroots.org
IG: healthywealthyroots
Clubhouse: hwr
Send in a voice message: https://anchor.fm/healthywealthyroots/message
How people move through the dating pool is directly linked to their childhood experiences. Knowing your attachment style will change the way you view your relationships. Resources are available on the website.
Dr. Traci is a licensed psychologist, specialized in child, adolescent, and family psychology. She is interested in financial health, mental wellness, and creating healthy future generations.*
Website: www.healthywealthyroots.org
IG: healthywealthyroots
Clubhouse: hwr
Send in a voice message: https://anchor.fm/healthywealthyroots/message
"Grinding", "chasing the bag", and pulling 12 hour work days aren't a sustainable way to live. Burnout is real and there are serious implications to your physical, emotional, and mental health. In this episode, the two questions I pose to you are: 1) What would happen if you did less? and 2) What/who is your motivation? Check out the website for ways to reduce your risk of burnout and to take better care of yourself.
Dr. Traci is a licensed psychologist, specialized in child, adolescent, and family psychology. She is interested in financial health, mental wellness, and creating healthy future generations.
Website: www.healthywealthyroots.org
IG: healthywealthyroots
Clubhouse: hwr
Send in a voice message: https://anchor.fm/healthywealthyroots/message
When I first made a plan to pay off my debt, I anticipated it would take 2-3 years. Now I expect to be debt free just over a year after developing that plan. In previous episodes I outlined the ways I have reduced my expenses in order to increase my debt payments. I talk about some more of these tips here. I am using (mostly) a debt avalanche payoff method.
Dr. Traci is a licensed psychologist, specialized in child, adolescent, and family psychology. She is interested in financial health, mental wellness, and creating healthy future generations.
Website: www.healthywealthyroots.org
IG: healthywealthyroots
Clubhouse: hwr
Send in a voice message: https://anchor.fm/healthywealthyroots/message
Sofie is a 24-year-old Latina who paid off her student loans in just over 2 years while living independently. She's here to share her story in the podcast's very first interview. While her approach won't work for everyone, she has insights that anyone with debt can benefit from. You can follow Sofie's journey on IG @savingwithsofie and on Clubhouse @sofieb Dr. Traci is a licensed psychologist, specialized in child, adolescent, and family psychology. She is interested in financial health, mental wellness, and creating healthy future generations.
Website: www.healthywealthyroots.org IG: healthywealthyroots Clubhouse: hwr
Send in a voice message: https://anchor.fm/healthywealthyroots/message
Most of us have some form of privilege. Recognizing the ways in which we are privileged is step one to creating a better world. I highlight the history of this topic, forms of privilege, and ways in which you can use your privilege for good.
Dr. Traci is a licensed psychologist, specialized in child, adolescent, and family psychology. She is interested in financial health, mental wellness, and creating healthy future generations.
Website: www.healthywealthyroots.org
IG: healthywealthyroots
Clubhouse: hwr
Send in a voice message: https://anchor.fm/healthywealthyroots/message
An honest conversation with my choice mom community. I'll share the ups and downs of our first year and some tips and life saving advice.
Dr. Traci is a licensed psychologist, specialized in child, adolescent, and family psychology. She is interested in financial health, mental wellness, and creating healthy future generations.
Website: www.healthywealthyroots.org
IG: healthywealthyroots
Clubhouse: hwr
Send in a voice message: https://anchor.fm/healthywealthyroots/message
There is no secret to building wealth. Spend less than you earn and invest the rest. Passive income from compound interest, dividends, rental income, etc. will do the heavy lifting for you. I describe FIRE and give real numbers for how to get there. Enjoy life, work optional.
Dr. Traci is a licensed psychologist, specialized in child, adolescent, and family psychology. She is interested in financial health, mental wellness, and creating healthy future generations.
Website: www.healthywealthyroots.org
IG: healthywealthyroots
Clubhouse: hwr
Send in a voice message: https://anchor.fm/healthywealthyroots/message
An explanation of stocks, bonds, index funds, and all of those weird acronyms. I'll break down how to determine your investing goals and the ways you can invest wisely. The financial independence (FIRE) community believes in broad-based, low cost index funds. So this isn't for trading and options. No need to be scared, tune in!
Dr. Traci is a licensed psychologist, specialized in child, adolescent, and family psychology. She is interested in financial health, mental wellness, and creating healthy future generations.
Website: www.healthywealthyroots.org
IG: healthywealthyroots
Clubhouse: hwr
Send in a voice message: https://anchor.fm/healthywealthyroots/message
Personal finance doesn't have to be dry and boring. You can use apps or create your own fun system to give yourself points as you level up in your personal finance game. Tune in to hear how I'm staying motivated.
Dr. Traci is a licensed psychologist, specialized in child, adolescent, and family psychology. She is interested in financial health, mental wellness, and creating healthy future generations.
Website: www.healthywealthyroots.org
IG: healthywealthyroots
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Our past experiences have influenced how we see ourselves and our abilities. Unfortunately, they can also get in the way of us creating a happy, healthy future. I discuss this, with practical tips to challenge your past beliefs.
Dr. Traci is a licensed psychologist, specialized in child, adolescent, and family psychology. She is interested in financial health, mental wellness, and creating healthy future generations.
Website: www.healthywealthyroots.org
IG: healthywealthyroots
Clubhouse: hwr
Send in a voice message: https://anchor.fm/healthywealthyroots/message
I'll break down some of the reasons why you overspend and how you can get a better grasp on your finances.
Dr. Traci is a licensed psychologist, specialized in child, adolescent, and family psychology. She is interested in financial health, mental wellness, and creating healthy future generations.
Website: www.healthywealthyroots.org
IG: healthywealthyroots
Clubhouse: hwr
Send in a voice message: https://anchor.fm/healthywealthyroots/message
Your net worth is a snapshot of your financial health. It's good to know where you are and have a plan for where you want to go. We hear about net worth when the news covers celebrities and lately, people talk about net worth when sharing their hopes to pass on generational wealth. But what does it really mean?
Dr. Traci is a licensed psychologist, specialized in child, adolescent, and family psychology. She is interested in financial health, mental wellness, and creating healthy future generations.
Website: www.healthywealthyroots.org
IG: healthywealthyroots
Clubhouse: hwr
Send in a voice message: https://anchor.fm/healthywealthyroots/message
If you want to be better at take care of your mental health, but don't quite know how, this is for you. Scheduling little acts into your days and relying on app reminders are simple steps you can take. Check out the website for more resources.
Dr. Traci is a licensed psychologist, specialized in child, adolescent, and family psychology. She is interested in financial health, mental wellness, and creating healthy future generations.
Website: www.healthywealthyroots.org
IG: healthywealthyroots
Clubhouse: hwr
Send in a voice message: https://anchor.fm/healthywealthyroots/message
There aren't many comprehensive (and realistic) resources for single parents who want to get a better grasp on their personal finances. I will outline some of the major points you should consider. Make sure to check out the website for links to additional resources.
Dr. Traci is a licensed psychologist, specialized in child, adolescent, and family psychology. She is interested in financial health, mental wellness, and creating healthy future generations.
Website: www.healthywealthyroots.org
IG: healthywealthyroots
Clubhouse: hwr
Send in a voice message: https://anchor.fm/healthywealthyroots/message
The self-care industry seems to neglect the challenges of single parents, so this guide is for you. From a single mother by choice, and a psychologist, I know first-hand the importance of self-care. I will make it more realistic for parents with busy lives trying to juggle it all.
Dr. Traci is a licensed psychologist, specialized in child, adolescent, and family psychology. She is interested in financial health, mental wellness, and creating healthy future generations.
Website: www.healthywealthyroots.org
IG: healthywealthyroots
Clubhouse: hwr
Send in a voice message: https://anchor.fm/healthywealthyroots/message
One way to get your finances on the right track is to pay yourself first. This means that when you get paid, your first priority is to fund your savings and investment accounts. After that, you cover your bills and have some fun. Paying yourself first is a form of self care. No one is going to look out for you better than you can!
Dr. Traci is a licensed psychologist, specialized in child, adolescent, and family psychology. She is interested in financial health, mental wellness, and creating healthy future generations.
Website: www.healthywealthyroots.org
IG: healthywealthyroots
Clubhouse: hwr
Send in a voice message: https://anchor.fm/healthywealthyroots/message
It’s not much and you may be wondering what to do. This is for you.
Dr. Traci is a licensed psychologist, specialized in child, adolescent, and family psychology. She is interested in financial health, mental wellness, and creating healthy future generations.
Website: www.healthywealthyroots.org IG: healthywealthyroots Clubhouse: hwr
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About 80% of resolutions fall apart by February. Psychologists advise that you make your resolutions simple, few (one or two), and share them with trusted friends/family. I also recommend making them tangible, e.g. vision board, journal entry. It helps to stick to something you can see.
Dr. Traci is a licensed psychologist, specialized in child, adolescent, and family psychology. She is interested in financial health, mental wellness, and creating healthy future generations.
Website: www.healthywealthyroots.org
IG: healthywealthyroots
Send in a voice message: https://anchor.fm/healthywealthyroots/message
One of my goals with this podcast is to share details of my debt free journey. So far this year, I've put over 6k towards debt! I'll share what helped me get here and my future plans to become debt free. Financial independence is one year closer!
Website: www.healthywealthyroots
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The holidays bring mixed emotions. There's joy and hope, but there can also be stress and grief. I'll outline practical ways to approach the holidays during the pandemic, while keeping your mental health in mind. Please follow the advice of the CDC. Stay safe. Dr. Traci is a licensed psychologist, specialized in child, adolescent, and family psychology. She is interested in financial health, mental wellness, and creating healthy future generations. Website: www.healthywealthyroots.org IG: healthywealthyroots
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Continuing to talk about Adulting 2.0, this time we're covering creating an emergency fund. How much should you save for rainy days? Where should you save it? Is it even possible to have 6 months of expenses saved up?
My plan: Becoming debt free on my financial independence journey will create more cashflow to fill up my emergency fund.
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Be an adult. Have a budget. Or at the very least, track your spending for a month so you can cut out what you don't value. Keep more money in your pocket!
My goals are being debt free and achieving financial independence. That forced me to realize I need to budget. But I don't like budgets (said in the whiniest of voices). So instead, I'm doing a few nontraditional budget ideas. I'll describe the 1) zero based budget, 2) cash envelope system, & 3) reverse budget.
If you're completely overwhelmed, forget all that. Just track your spending for the last month and find one area to cut back. Slowly you might come around to the budgeting thing. Or not. And that's okay too.
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As we face a new spike in cases and a new round of shutdowns, I wanted to share ideas for a self-care plan to make it through the months ahead.
1) limit news consumption, 2) spend time outdoors, 3) monitor what you're eating and the quality of your sleep, 4) create an employment alternatives list, 5) discuss with friends/family how you can stay connected, 6) turn to projects and hobbies, 7) help others in your community, & 8) seek support and mental health help.
Dr. Traci is a licensed psychologist, specialized in child, adolescent, and family psychology. She is interested in financial health, mental wellness, and creating healthy future generations.
Website: www.healthywealthyroots.org
IG: healthywealthyroots
Send in a voice message: https://anchor.fm/healthywealthyroots/message
You have the flashy lifestyle, actors, and athletes. And then you have the people who look like everyday folks, but also happen to have $1M+ in assets. I've been looking at the research done on millionaires and checking out interviews with millionaires. They seem to have a few things in common: having real estate and/or investment accounts, living below their means, & being disciplined and goal oriented. In this episode, I'll talk about millionaires in detail and outline how you can get there using real numbers.
*Dr. Traci is a licensed psychologist, specialized in child, adolescent, and family psychology. She is interested in financial health, mental wellness, and creating healthy future generations. *
Website: www.healthywealthyroots.org
IG: healthywealthyroots
Send in a voice message: https://anchor.fm/healthywealthyroots/message
I chose to have a baby on my own. My journey to having him included an infertility diagnosis, and ultimately becoming a single mother by choice. I'll share details of my journey and resources in case you are considering this path as well.
Dr. Traci is a licensed psychologist, specialized in child, adolescent, and family psychology. She is interested in financial health, mental wellness, and creating healthy future generations.
Website: www.healthywealthyroots.org
IG: healthywealthyroots
Send in a voice message: https://anchor.fm/healthywealthyroots/message
Courage requires being vulnerable and facing your fears. It won't come overnight. You have to be intentional about it. But don't worry, baby steps will get you there.
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This episode covers happiness, its neurochemistry, and practical tips to increase the happiness in your life. The field of positive psychology has researched happiness and provides a lot of helpful information.
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Giving you simple, practical tips for getting to the bottom of your decision making.
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There is a strong connection between your financial situation and your mental and emotional health. I break this connection down (including how your family history contributed) and give practical tips to begin recovery.
normalizemoneytalks
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It's time for a debt-free journey update! I'm down $1,162.43 in the last 2 months, and my debt free date moved up to 2021. After figuring out what I own and owe, devising a plan to reduce expenses and pay off more, I feel so much better. I also talk about one downside to my plan and a couple upcoming changes.
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If you've ever felt like your work wasn't good enough or you didn't measure up when clearly you did, you may be experiencing impostor syndrome. I'll break down what it is, and what you can do to stop letting it get in the way of your success.
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If you find yourself stuck and unable to achieve in an area of your life, it may be that your mindset is holding you back. I'll discuss the research of Dr. Carol Dweck and walk you through shifting from a fixed to a growth mindset.
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In this episode, I'll give you the roadmap to improving your personal finances and increasing your net worth.
Seed 1. Be honest with yourself
Seed 2. Know what you own and what you owe
Seed 3. Live below your means
Seed 4. Have a stash for rainy days
Seed 5. Destroy debt & then avoid it like the plague
Seed 6. Save & invest the rest
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We as a society are stuck in a vicious cycle of financial troubles, debt, stress, physical and mental illness. In this episode, I describe how, and in the next episode, I'll cover the basic steps to financial wellness.
normalizemoneytalks
Research articles mentioned can be found on the website.
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Beyonce said it best: "Legacy...You're part of something way bigger." I'll talk about how to figure out the purpose in your life, by looking at your past. Using this, you can decide on the legacy you want to create.
Website: http://www.healthywealthyroots.org Instagram: healthywealthyroots
Dedicated to Roshanda Smith 1966-2019.
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You are surrounded by opportunities to save money. Are you using them? This episode will cover some of your reward program options.
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I break down how interest rates affect the amount you pay on your debt and how they can really make your money grow when investing.
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Psychologists get asked a lot of questions by curious people. We also hear a lot of misconceptions. In this episodes, I'll lay down the facts about therapy.
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I'll share my dollar amount and my plan to get back down to zero. Join me in becoming debt free.
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I break down practical things you can do to tap into your inner strength and keep going.
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If you've looked at your bank account and wondered where your money went, this is for you. I'll give you tips to control how your money gets spent.
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In this first episode, I introduce myself, talk about why I'm passionate about these topics, and describe my current goals.
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